id	sid	tid	token	lemma	pos
faba-276	1	1	166	166	NUM
faba-276	1	2	finance	finance	NOUN
faba-276	1	3	,	,	PUNCT
faba-276	1	4	accounting	accounting	NOUN
faba-276	1	5	and	and	CCONJ
faba-276	1	6	business	business	NOUN
faba-276	1	7	analysis	analysis	NOUN
faba-276	1	8	volume	volume	NOUN
faba-276	1	9	7	7	NUM
faba-276	1	10	issue	issue	NOUN
faba-276	1	11	2	2	NUM
faba-276	1	12	2025	2025	NUM
faba-276	1	13	http://faba.bg/	http://faba.bg/	NOUN
faba-276	1	14	issn	issn	VERB
faba-276	1	15	2603	2603	NUM
faba-276	1	16	-	-	SYM
faba-276	1	17	5324	5324	NUM
faba-276	1	18	doi	doi	NOUN
faba-276	1	19	:	:	PUNCT
faba-276	1	20	https://doi.org/10.37075/faba.2025.2.03	https://doi.org/10.37075/faba.2025.2.03	NOUN
faba-276	1	21	the	the	DET
faba-276	1	22	digital	digital	ADJ
faba-276	1	23	shift	shift	NOUN
faba-276	1	24	:	:	PUNCT
faba-276	1	25	covid-19	covid-19	PROPN
faba-276	1	26	as	as	ADP
faba-276	1	27	a	a	DET
faba-276	1	28	catalyst	catalyst	NOUN
faba-276	1	29	for	for	ADP
faba-276	1	30	mobile	mobile	ADJ
faba-276	1	31	payment	payment	NOUN
faba-276	1	32	adoption	adoption	NOUN
faba-276	1	33	in	in	ADP
faba-276	1	34	malaysia	malaysia	PROPN
faba-276	1	35	rushaizzad	rushaizzad	PROPN
faba-276	1	36	abdul	abdul	PROPN
faba-276	1	37	rahim	rahim	PROPN
faba-276	1	38	1	1	NUM
faba-276	1	39	,	,	PUNCT
faba-276	1	40	jaizah	jaizah	VERB
faba-276	1	41	othman2	othman2	PROPN
faba-276	1	42	*	*	NOUN
faba-276	1	43	graduate	graduate	NOUN
faba-276	1	44	school	school	NOUN
faba-276	1	45	of	of	ADP
faba-276	1	46	management	management	NOUN
faba-276	1	47	,	,	PUNCT
faba-276	1	48	management	management	NOUN
faba-276	1	49	and	and	CCONJ
faba-276	1	50	science	science	NOUN
faba-276	1	51	university	university	PROPN
faba-276	1	52	,	,	PUNCT
faba-276	1	53	selangor	selangor	PROPN
faba-276	1	54	,	,	PUNCT
faba-276	1	55	malaysia1	malaysia1	PROPN
faba-276	1	56	department	department	PROPN
faba-276	1	57	of	of	ADP
faba-276	1	58	banking	banking	NOUN
faba-276	1	59	and	and	CCONJ
faba-276	1	60	finance	finance	NOUN
faba-276	1	61	,	,	PUNCT
faba-276	1	62	college	college	NOUN
faba-276	1	63	of	of	ADP
faba-276	1	64	business	business	PROPN
faba-276	1	65	administration	administration	PROPN
faba-276	1	66	,	,	PUNCT
faba-276	1	67	imam	imam	PROPN
faba-276	1	68	abdulrahman	abdulrahman	PROPN
faba-276	1	69	bin	bin	PROPN
faba-276	1	70	faisal	faisal	PROPN
faba-276	1	71	university	university	PROPN
faba-276	1	72	,	,	PUNCT
faba-276	1	73	dammam	dammam	PROPN
faba-276	1	74	,	,	PUNCT
faba-276	1	75	saudi	saudi	ADJ
faba-276	1	76	arabia2	arabia2	PROPN
faba-276	1	77	*	*	PUNCT
faba-276	1	78	*	*	PUNCT
faba-276	1	79	corresponding	correspond	VERB
faba-276	1	80	author	author	NOUN
faba-276	1	81	info	info	NOUN
faba-276	1	82	articles	article	NOUN
faba-276	1	83	abstract	abstract	ADJ
faba-276	1	84	history	history	NOUN
faba-276	1	85	article	article	NOUN
faba-276	1	86	:	:	PUNCT
faba-276	1	87	submitted	submit	VERB
faba-276	1	88	14	14	NUM
faba-276	1	89	april	april	PROPN
faba-276	1	90	2025	2025	NUM
faba-276	1	91	revised	revise	VERB
faba-276	1	92	20	20	NUM
faba-276	1	93	october	october	PROPN
faba-276	1	94	2025	2025	NUM
faba-276	1	95	accepted	accept	VERB
faba-276	1	96	31	31	NUM
faba-276	1	97	october	october	PROPN
faba-276	1	98	2025	2025	NUM
faba-276	1	99	purpose	purpose	NOUN
faba-276	1	100	:	:	PUNCT
faba-276	1	101	this	this	DET
faba-276	1	102	study	study	NOUN
faba-276	1	103	aims	aim	VERB
faba-276	1	104	to	to	PART
faba-276	1	105	investigate	investigate	VERB
faba-276	1	106	the	the	DET
faba-276	1	107	underlying	underlie	VERB
faba-276	1	108	factors	factor	NOUN
faba-276	1	109	influencing	influence	VERB
faba-276	1	110	the	the	DET
faba-276	1	111	behavioural	behavioural	ADJ
faba-276	1	112	intention	intention	NOUN
faba-276	1	113	of	of	ADP
faba-276	1	114	malaysians	malaysians	PROPN
faba-276	1	115	to	to	PART
faba-276	1	116	adopt	adopt	VERB
faba-276	1	117	mobile	mobile	ADJ
faba-276	1	118	payment	payment	NOUN
faba-276	1	119	during	during	ADP
faba-276	1	120	the	the	DET
faba-276	1	121	covid-19	covid-19	PROPN
faba-276	1	122	pandemic	pandemic	NOUN
faba-276	1	123	,	,	PUNCT
faba-276	1	124	focusing	focus	VERB
faba-276	1	125	specifically	specifically	ADV
faba-276	1	126	on	on	ADP
faba-276	1	127	the	the	DET
faba-276	1	128	effect	effect	NOUN
faba-276	1	129	of	of	ADP
faba-276	1	130	both	both	CCONJ
faba-276	1	131	technological	technological	ADJ
faba-276	1	132	and	and	CCONJ
faba-276	1	133	situational	situational	ADJ
faba-276	1	134	variables	variable	NOUN
faba-276	1	135	,	,	PUNCT
faba-276	1	136	namely	namely	ADV
faba-276	1	137	perceived	perceive	VERB
faba-276	1	138	usefulness	usefulness	NOUN
faba-276	1	139	,	,	PUNCT
faba-276	1	140	perceived	perceive	VERB
faba-276	1	141	ease	ease	NOUN
faba-276	1	142	of	of	ADP
faba-276	1	143	use	use	NOUN
faba-276	1	144	,	,	PUNCT
faba-276	1	145	subjective	subjective	ADJ
faba-276	1	146	norms	norm	NOUN
faba-276	1	147	,	,	PUNCT
faba-276	1	148	and	and	CCONJ
faba-276	1	149	perceived	perceive	VERB
faba-276	1	150	covid-19	covid-19	PROPN
faba-276	1	151	risk	risk	NOUN
faba-276	1	152	.	.	PUNCT
faba-276	2	1	design	design	NOUN
faba-276	2	2	/	/	SYM
faba-276	2	3	methodology	methodology	NOUN
faba-276	2	4	/	/	SYM
faba-276	2	5	approach	approach	NOUN
faba-276	2	6	:	:	PUNCT
faba-276	2	7	a	a	DET
faba-276	2	8	quantitative	quantitative	ADJ
faba-276	2	9	research	research	NOUN
faba-276	2	10	design	design	NOUN
faba-276	2	11	was	be	AUX
faba-276	2	12	employed	employ	VERB
faba-276	2	13	using	use	VERB
faba-276	2	14	a	a	DET
faba-276	2	15	structured	structured	ADJ
faba-276	2	16	online	online	ADJ
faba-276	2	17	survey	survey	NOUN
faba-276	2	18	to	to	PART
faba-276	2	19	gather	gather	VERB
faba-276	2	20	data	datum	NOUN
faba-276	2	21	from	from	ADP
faba-276	2	22	393	393	NUM
faba-276	2	23	malaysian	malaysian	ADJ
faba-276	2	24	respondents	respondent	NOUN
faba-276	2	25	.	.	PUNCT
faba-276	3	1	the	the	DET
faba-276	3	2	study	study	NOUN
faba-276	3	3	extends	extend	VERB
faba-276	3	4	the	the	DET
faba-276	3	5	technology	technology	NOUN
faba-276	3	6	acceptance	acceptance	NOUN
faba-276	3	7	model	model	NOUN
faba-276	3	8	(	(	PUNCT
faba-276	3	9	tam	tam	PROPN
faba-276	3	10	)	)	PUNCT
faba-276	3	11	by	by	ADP
faba-276	3	12	integrating	integrate	VERB
faba-276	3	13	constructs	construct	NOUN
faba-276	3	14	from	from	ADP
faba-276	3	15	the	the	DET
faba-276	3	16	theory	theory	NOUN
faba-276	3	17	of	of	ADP
faba-276	3	18	reasoned	reason	VERB
faba-276	3	19	action	action	NOUN
faba-276	3	20	(	(	PUNCT
faba-276	3	21	tra	tra	NOUN
faba-276	3	22	)	)	PUNCT
faba-276	3	23	and	and	CCONJ
faba-276	3	24	situational	situational	ADJ
faba-276	3	25	risk	risk	NOUN
faba-276	3	26	factors	factor	NOUN
faba-276	3	27	related	relate	VERB
faba-276	3	28	to	to	ADP
faba-276	3	29	covid-19	covid-19	PROPN
faba-276	3	30	.	.	PUNCT
faba-276	4	1	multiple	multiple	ADJ
faba-276	4	2	regression	regression	NOUN
faba-276	4	3	analysis	analysis	NOUN
faba-276	4	4	was	be	AUX
faba-276	4	5	used	use	VERB
faba-276	4	6	to	to	PART
faba-276	4	7	test	test	VERB
faba-276	4	8	the	the	DET
faba-276	4	9	influence	influence	NOUN
faba-276	4	10	of	of	ADP
faba-276	4	11	each	each	DET
faba-276	4	12	variable	variable	NOUN
faba-276	4	13	on	on	ADP
faba-276	4	14	the	the	DET
faba-276	4	15	behavioural	behavioural	ADJ
faba-276	4	16	intention	intention	NOUN
faba-276	4	17	to	to	PART
faba-276	4	18	adopt	adopt	VERB
faba-276	4	19	mobile	mobile	ADJ
faba-276	4	20	payment	payment	NOUN
faba-276	4	21	.	.	PUNCT
faba-276	5	1	findings	finding	NOUN
faba-276	5	2	:	:	PUNCT
faba-276	5	3	the	the	DET
faba-276	5	4	results	result	NOUN
faba-276	5	5	show	show	VERB
faba-276	5	6	that	that	SCONJ
faba-276	5	7	all	all	DET
faba-276	5	8	four	four	NUM
faba-276	5	9	variablesperceived	variablesperceive	VERB
faba-276	5	10	usefulness	usefulness	NOUN
faba-276	5	11	,	,	PUNCT
faba-276	5	12	perceived	perceive	VERB
faba-276	5	13	ease	ease	NOUN
faba-276	5	14	of	of	ADP
faba-276	5	15	use	use	NOUN
faba-276	5	16	,	,	PUNCT
faba-276	5	17	subjective	subjective	ADJ
faba-276	5	18	norms	norm	NOUN
faba-276	5	19	,	,	PUNCT
faba-276	5	20	and	and	CCONJ
faba-276	5	21	perceived	perceive	VERB
faba-276	5	22	covid-19	covid-19	PROPN
faba-276	5	23	risk	risk	NOUN
faba-276	5	24	significantly	significantly	ADV
faba-276	5	25	influence	influence	VERB
faba-276	5	26	the	the	DET
faba-276	5	27	behavioural	behavioural	ADJ
faba-276	5	28	intention	intention	NOUN
faba-276	5	29	to	to	PART
faba-276	5	30	adopt	adopt	VERB
faba-276	5	31	mobile	mobile	ADJ
faba-276	5	32	payment	payment	NOUN
faba-276	5	33	.	.	PUNCT
faba-276	6	1	among	among	ADP
faba-276	6	2	these	these	PRON
faba-276	6	3	,	,	PUNCT
faba-276	6	4	perceived	perceive	VERB
faba-276	6	5	usefulness	usefulness	NOUN
faba-276	6	6	exhibited	exhibit	VERB
faba-276	6	7	the	the	DET
faba-276	6	8	strongest	strong	ADJ
faba-276	6	9	effect	effect	NOUN
faba-276	6	10	.	.	PUNCT
faba-276	7	1	these	these	DET
faba-276	7	2	findings	finding	NOUN
faba-276	7	3	suggest	suggest	VERB
faba-276	7	4	that	that	SCONJ
faba-276	7	5	malaysians	malaysians	PROPN
faba-276	7	6	'	'	PART
faba-276	7	7	adoption	adoption	NOUN
faba-276	7	8	of	of	ADP
faba-276	7	9	mobile	mobile	ADJ
faba-276	7	10	payment	payment	NOUN
faba-276	7	11	is	be	AUX
faba-276	7	12	driven	drive	VERB
faba-276	7	13	more	more	ADV
faba-276	7	14	by	by	ADP
faba-276	7	15	functional	functional	ADJ
faba-276	7	16	utility	utility	NOUN
faba-276	7	17	and	and	CCONJ
faba-276	7	18	ease	ease	NOUN
faba-276	7	19	of	of	ADP
faba-276	7	20	use	use	NOUN
faba-276	7	21	,	,	PUNCT
faba-276	7	22	with	with	ADP
faba-276	7	23	situational	situational	ADJ
faba-276	7	24	awareness	awareness	NOUN
faba-276	7	25	of	of	ADP
faba-276	7	26	health	health	NOUN
faba-276	7	27	risk	risk	NOUN
faba-276	7	28	also	also	ADV
faba-276	7	29	contributing	contribute	VERB
faba-276	7	30	positively	positively	ADV
faba-276	7	31	.	.	PUNCT
faba-276	8	1	practical	practical	ADJ
faba-276	8	2	implications	implication	NOUN
faba-276	8	3	:	:	PUNCT
faba-276	8	4	the	the	DET
faba-276	8	5	findings	finding	NOUN
faba-276	8	6	imply	imply	VERB
faba-276	8	7	that	that	SCONJ
faba-276	8	8	banks	bank	NOUN
faba-276	8	9	and	and	CCONJ
faba-276	8	10	e	e	NOUN
faba-276	8	11	-	-	NOUN
faba-276	8	12	wallet	wallet	NOUN
faba-276	8	13	providers	provider	NOUN
faba-276	8	14	should	should	AUX
faba-276	8	15	focus	focus	VERB
faba-276	8	16	on	on	ADP
faba-276	8	17	enhancing	enhance	VERB
faba-276	8	18	the	the	DET
faba-276	8	19	perceived	perceive	VERB
faba-276	8	20	usefulness	usefulness	NOUN
faba-276	8	21	and	and	CCONJ
faba-276	8	22	ease	ease	NOUN
faba-276	8	23	of	of	ADP
faba-276	8	24	use	use	NOUN
faba-276	8	25	of	of	ADP
faba-276	8	26	their	their	PRON
faba-276	8	27	platforms	platform	NOUN
faba-276	8	28	while	while	SCONJ
faba-276	8	29	also	also	ADV
faba-276	8	30	highlighting	highlight	VERB
faba-276	8	31	the	the	DET
faba-276	8	32	health	health	NOUN
faba-276	8	33	and	and	CCONJ
faba-276	8	34	safety	safety	NOUN
faba-276	8	35	benefits	benefit	NOUN
faba-276	8	36	of	of	ADP
faba-276	8	37	cashless	cashless	NOUN
faba-276	8	38	transactions	transaction	NOUN
faba-276	8	39	.	.	PUNCT
faba-276	9	1	policymakers	policymaker	NOUN
faba-276	9	2	and	and	CCONJ
faba-276	9	3	stakeholders	stakeholder	NOUN
faba-276	9	4	may	may	AUX
faba-276	9	5	also	also	ADV
faba-276	9	6	use	use	VERB
faba-276	9	7	these	these	DET
faba-276	9	8	insights	insight	NOUN
faba-276	9	9	to	to	PART
faba-276	9	10	promote	promote	VERB
faba-276	9	11	broader	broad	ADJ
faba-276	9	12	digital	digital	ADJ
faba-276	9	13	payment	payment	NOUN
faba-276	9	14	adoption	adoption	NOUN
faba-276	9	15	as	as	ADP
faba-276	9	16	part	part	NOUN
faba-276	9	17	of	of	ADP
faba-276	9	18	national	national	ADJ
faba-276	9	19	financial	financial	ADJ
faba-276	9	20	inclusion	inclusion	NOUN
faba-276	9	21	and	and	CCONJ
faba-276	9	22	health	health	NOUN
faba-276	9	23	safety	safety	NOUN
faba-276	9	24	agendas	agenda	NOUN
faba-276	9	25	.	.	PUNCT
faba-276	10	1	originality	originality	NOUN
faba-276	10	2	/	/	SYM
faba-276	10	3	value	value	NOUN
faba-276	10	4	:	:	PUNCT
faba-276	10	5	this	this	DET
faba-276	10	6	study	study	NOUN
faba-276	10	7	contributes	contribute	VERB
faba-276	10	8	to	to	ADP
faba-276	10	9	the	the	DET
faba-276	10	10	field	field	NOUN
faba-276	10	11	by	by	ADP
faba-276	10	12	including	include	VERB
faba-276	10	13	situational	situational	ADJ
faba-276	10	14	risk	risk	NOUN
faba-276	10	15	variable	variable	NOUN
faba-276	10	16	,	,	PUNCT
faba-276	10	17	perceived	perceive	VERB
faba-276	10	18	covid-19	covid-19	PROPN
faba-276	10	19	risk	risk	NOUN
faba-276	10	20	,	,	PUNCT
faba-276	10	21	into	into	ADP
faba-276	10	22	the	the	DET
faba-276	10	23	extended	extended	ADJ
faba-276	10	24	tam	tam	NOUN
faba-276	10	25	framework	framework	NOUN
faba-276	10	26	.	.	PUNCT
faba-276	11	1	it	it	PRON
faba-276	11	2	offers	offer	VERB
faba-276	11	3	timely	timely	ADJ
faba-276	11	4	insights	insight	NOUN
faba-276	11	5	into	into	ADP
faba-276	11	6	consumer	consumer	NOUN
faba-276	11	7	technology	technology	NOUN
faba-276	11	8	adoption	adoption	NOUN
faba-276	11	9	behaviour	behaviour	NOUN
faba-276	11	10	under	under	ADP
faba-276	11	11	public	public	ADJ
faba-276	11	12	health	health	NOUN
faba-276	11	13	crises	crisis	NOUN
faba-276	11	14	,	,	PUNCT
faba-276	11	15	specifically	specifically	ADV
faba-276	11	16	within	within	ADP
faba-276	11	17	the	the	DET
faba-276	11	18	malaysian	malaysian	ADJ
faba-276	11	19	context	context	NOUN
faba-276	11	20	.	.	PUNCT
faba-276	12	1	keywords	keyword	NOUN
faba-276	12	2	:	:	PUNCT
faba-276	12	3	mobile	mobile	ADJ
faba-276	12	4	payment	payment	NOUN
faba-276	12	5	;	;	PUNCT
faba-276	12	6	technology	technology	NOUN
faba-276	12	7	acceptance	acceptance	NOUN
faba-276	12	8	model	model	NOUN
faba-276	12	9	;	;	PUNCT
faba-276	12	10	perceived	perceive	VERB
faba-276	12	11	usefulness	usefulness	NOUN
faba-276	12	12	;	;	PUNCT
faba-276	12	13	perceived	perceive	VERB
faba-276	12	14	covid-19	covid-19	PROPN
faba-276	12	15	risk	risk	NOUN
faba-276	12	16	;	;	PUNCT
faba-276	12	17	subjective	subjective	ADJ
faba-276	12	18	norms	norm	NOUN
faba-276	12	19	;	;	PUNCT
faba-276	12	20	malaysia	malaysia	X
faba-276	12	21	;	;	PUNCT
faba-276	12	22	digital	digital	ADJ
faba-276	12	23	finance	finance	NOUN
faba-276	12	24	;	;	PUNCT
faba-276	12	25	behavioural	behavioural	ADJ
faba-276	12	26	intention	intention	NOUN
faba-276	12	27	paper	paper	NOUN
faba-276	12	28	type	type	NOUN
faba-276	12	29	:	:	PUNCT
faba-276	12	30	research	research	NOUN
faba-276	12	31	paper	paper	NOUN
faba-276	12	32	.	.	PUNCT
faba-276	13	1	keywords	keyword	NOUN
faba-276	13	2	:	:	PUNCT
faba-276	13	3	mobile	mobile	ADJ
faba-276	13	4	payment	payment	NOUN
faba-276	13	5	;	;	PUNCT
faba-276	13	6	technology	technology	NOUN
faba-276	13	7	acceptance	acceptance	NOUN
faba-276	13	8	model	model	NOUN
faba-276	13	9	;	;	PUNCT
faba-276	13	10	perceived	perceive	VERB
faba-276	13	11	usefulness	usefulness	NOUN
faba-276	13	12	;	;	PUNCT
faba-276	13	13	perceived	perceive	VERB
faba-276	13	14	covid-19	covid-19	PROPN
faba-276	13	15	risk	risk	NOUN
faba-276	13	16	;	;	PUNCT
faba-276	13	17	subjective	subjective	ADJ
faba-276	13	18	norms	norm	NOUN
faba-276	13	19	;	;	PUNCT
faba-276	13	20	malaysia	malaysia	X
faba-276	13	21	;	;	PUNCT
faba-276	13	22	digital	digital	ADJ
faba-276	13	23	finance	finance	NOUN
faba-276	13	24	;	;	PUNCT
faba-276	13	25	behavioural	behavioural	ADJ
faba-276	13	26	intention	intention	NOUN
faba-276	13	27	jel	jel	PROPN
faba-276	13	28	:	:	PUNCT
faba-276	13	29	d83	d83	PROPN
faba-276	13	30	,	,	PUNCT
faba-276	13	31	g21	g21	PROPN
faba-276	13	32	,	,	PUNCT
faba-276	13	33	o33	o33	NOUN
faba-276	13	34	,	,	PUNCT
faba-276	13	35	l86	l86	NOUN
faba-276	13	36	,	,	PUNCT
faba-276	13	37	i18	i18	VERB
faba-276	13	38	*	*	PUNCT
faba-276	13	39	address	address	NOUN
faba-276	13	40	correspondence	correspondence	NOUN
faba-276	13	41	:	:	PUNCT
faba-276	14	1	e	e	X
faba-276	14	2	-	-	NOUN
faba-276	14	3	mail	mail	NOUN
faba-276	14	4	:	:	PUNCT
faba-276	14	5	rush7@live.com	rush7@live.com	PROPN
faba-276	14	6	1	1	NUM
faba-276	14	7	jothman@iau.edu.sa2	jothman@iau.edu.sa2	PROPN
faba-276	14	8	http://faba.bg/	http://faba.bg/	NOUN
faba-276	14	9	https://doi.org/10.37075/faba.2025.2.03	https://doi.org/10.37075/faba.2025.2.03	NOUN
faba-276	14	10	https://orcid.org/0009-0001-3039-3488	https://orcid.org/0009-0001-3039-3488	VERB
faba-276	14	11	https://orcid.org/0000-0001-8106-4484	https://orcid.org/0000-0001-8106-4484	NOUN
faba-276	14	12	rushaizzad	rushaizzad	NOUN
faba-276	14	13	a.rahim	a.rahim	PRON
faba-276	14	14	and	and	CCONJ
faba-276	14	15	jaizah	jaizah	VERB
faba-276	14	16	othman	othman	PROPN
faba-276	14	17	/	/	SYM
faba-276	14	18	finance	finance	NOUN
faba-276	14	19	,	,	PUNCT
faba-276	14	20	accounting	accounting	NOUN
faba-276	14	21	and	and	CCONJ
faba-276	14	22	business	business	NOUN
faba-276	14	23	analysis	analysis	NOUN
faba-276	14	24	,	,	PUNCT
faba-276	14	25	volume	volume	NOUN
faba-276	14	26	7	7	NUM
faba-276	14	27	issue	issue	NOUN
faba-276	14	28	2	2	NUM
faba-276	14	29	,	,	PUNCT
faba-276	14	30	2025	2025	NUM
faba-276	14	31	167	167	NUM
faba-276	14	32	introduction	introduction	NOUN
faba-276	14	33	throughout	throughout	ADP
faba-276	14	34	the	the	DET
faba-276	14	35	year	year	NOUN
faba-276	14	36	2020	2020	NUM
faba-276	14	37	,	,	PUNCT
faba-276	14	38	the	the	DET
faba-276	14	39	covid-19	covid-19	PROPN
faba-276	14	40	pandemic	pandemic	NOUN
faba-276	14	41	had	have	AUX
faba-276	14	42	caused	cause	VERB
faba-276	14	43	countries	country	NOUN
faba-276	14	44	worldwide	worldwide	ADV
faba-276	14	45	to	to	PART
faba-276	14	46	implement	implement	VERB
faba-276	14	47	lockdowns	lockdown	NOUN
faba-276	14	48	to	to	PART
faba-276	14	49	contain	contain	VERB
faba-276	14	50	the	the	DET
faba-276	14	51	virus	virus	NOUN
faba-276	14	52	which	which	PRON
faba-276	14	53	the	the	DET
faba-276	14	54	international	international	ADJ
faba-276	14	55	monetary	monetary	ADJ
faba-276	14	56	fund	fund	NOUN
faba-276	14	57	called	call	VERB
faba-276	14	58	the	the	DET
faba-276	14	59	great	great	ADJ
faba-276	14	60	lockdown	lockdown	NOUN
faba-276	14	61	.	.	PUNCT
faba-276	15	1	this	this	DET
faba-276	15	2	lockdown	lockdown	NOUN
faba-276	15	3	has	have	AUX
faba-276	15	4	caused	cause	VERB
faba-276	15	5	an	an	DET
faba-276	15	6	economic	economic	ADJ
faba-276	15	7	slump	slump	NOUN
faba-276	15	8	globally	globally	ADV
faba-276	15	9	with	with	ADP
faba-276	15	10	businesses	business	NOUN
faba-276	15	11	restricted	restrict	VERB
faba-276	15	12	from	from	ADP
faba-276	15	13	operating	operate	VERB
faba-276	15	14	their	their	PRON
faba-276	15	15	brick	brick	NOUN
faba-276	15	16	-	-	PUNCT
faba-276	15	17	andmortar	andmortar	NOUN
faba-276	15	18	setups	setup	NOUN
faba-276	15	19	.	.	PUNCT
faba-276	16	1	however	however	ADV
faba-276	16	2	,	,	PUNCT
faba-276	16	3	this	this	PRON
faba-276	16	4	has	have	AUX
faba-276	16	5	also	also	ADV
faba-276	16	6	caused	cause	VERB
faba-276	16	7	for	for	ADP
faba-276	16	8	a	a	DET
faba-276	16	9	shift	shift	NOUN
faba-276	16	10	in	in	ADP
faba-276	16	11	consumer	consumer	NOUN
faba-276	16	12	behaviour	behaviour	NOUN
faba-276	16	13	where	where	SCONJ
faba-276	16	14	consumers	consumer	NOUN
faba-276	16	15	are	be	AUX
faba-276	16	16	more	more	ADV
faba-276	16	17	accepting	accept	VERB
faba-276	16	18	of	of	ADP
faba-276	16	19	digital	digital	ADJ
faba-276	16	20	technology	technology	NOUN
faba-276	16	21	and	and	CCONJ
faba-276	16	22	online	online	ADJ
faba-276	16	23	transactions	transaction	NOUN
faba-276	16	24	.	.	PUNCT
faba-276	17	1	the	the	DET
faba-276	17	2	growth	growth	NOUN
faba-276	17	3	of	of	ADP
faba-276	17	4	digital	digital	ADJ
faba-276	17	5	technologies	technology	NOUN
faba-276	17	6	did	do	AUX
faba-276	17	7	not	not	PART
faba-276	17	8	start	start	VERB
faba-276	17	9	due	due	ADJ
faba-276	17	10	to	to	ADP
faba-276	17	11	the	the	DET
faba-276	17	12	covid-19	covid-19	PROPN
faba-276	17	13	pandemic	pandemic	NOUN
faba-276	17	14	considering	consider	VERB
faba-276	17	15	the	the	DET
faba-276	17	16	existence	existence	NOUN
faba-276	17	17	and	and	CCONJ
faba-276	17	18	use	use	NOUN
faba-276	17	19	of	of	ADP
faba-276	17	20	various	various	ADJ
faba-276	17	21	innovative	innovative	ADJ
faba-276	17	22	technologies	technology	NOUN
faba-276	17	23	such	such	ADJ
faba-276	17	24	as	as	ADP
faba-276	17	25	the	the	DET
faba-276	17	26	autoteller	autoteller	NOUN
faba-276	17	27	machines	machine	NOUN
faba-276	17	28	or	or	CCONJ
faba-276	17	29	atm	atm	PROPN
faba-276	17	30	,	,	PUNCT
faba-276	17	31	cheques	cheque	NOUN
faba-276	17	32	,	,	PUNCT
faba-276	17	33	debit	debit	NOUN
faba-276	17	34	and	and	CCONJ
faba-276	17	35	credit	credit	NOUN
faba-276	17	36	cards	card	NOUN
faba-276	17	37	,	,	PUNCT
faba-276	17	38	qr	qr	NOUN
faba-276	17	39	payments	payment	NOUN
faba-276	17	40	and	and	CCONJ
faba-276	17	41	online	online	ADJ
faba-276	17	42	payments	payment	NOUN
faba-276	17	43	.	.	PUNCT
faba-276	18	1	with	with	ADP
faba-276	18	2	the	the	DET
faba-276	18	3	advent	advent	NOUN
faba-276	18	4	of	of	ADP
faba-276	18	5	covid-19	covid-19	PROPN
faba-276	18	6	however	however	ADV
faba-276	18	7	,	,	PUNCT
faba-276	18	8	the	the	DET
faba-276	18	9	adoption	adoption	NOUN
faba-276	18	10	of	of	ADP
faba-276	18	11	mobile	mobile	ADJ
faba-276	18	12	payment	payment	NOUN
faba-276	18	13	technologies	technology	NOUN
faba-276	18	14	was	be	AUX
faba-276	18	15	essential	essential	ADJ
faba-276	18	16	for	for	SCONJ
faba-276	18	17	malaysia	malaysia	PROPN
faba-276	18	18	to	to	PART
faba-276	18	19	navigate	navigate	VERB
faba-276	18	20	through	through	ADP
faba-276	18	21	the	the	DET
faba-276	18	22	covid-19	covid-19	PROPN
faba-276	18	23	pandemic	pandemic	NOUN
faba-276	18	24	where	where	SCONJ
faba-276	18	25	the	the	DET
faba-276	18	26	government	government	NOUN
faba-276	18	27	of	of	ADP
faba-276	18	28	malaysia	malaysia	PROPN
faba-276	18	29	had	have	AUX
faba-276	18	30	used	use	VERB
faba-276	18	31	designated	designate	VERB
faba-276	18	32	e	e	NOUN
faba-276	18	33	-	-	NOUN
faba-276	18	34	wallet	wallet	NOUN
faba-276	18	35	services	service	NOUN
faba-276	18	36	to	to	PART
faba-276	18	37	disseminate	disseminate	VERB
faba-276	18	38	helicopter	helicopter	NOUN
faba-276	18	39	money	money	NOUN
faba-276	18	40	and	and	CCONJ
faba-276	18	41	generate	generate	VERB
faba-276	18	42	income	income	NOUN
faba-276	18	43	for	for	ADP
faba-276	18	44	the	the	DET
faba-276	18	45	people	people	NOUN
faba-276	18	46	as	as	ADP
faba-276	18	47	an	an	DET
faba-276	18	48	effort	effort	NOUN
faba-276	18	49	to	to	PART
faba-276	18	50	boost	boost	VERB
faba-276	18	51	the	the	DET
faba-276	18	52	economy	economy	NOUN
faba-276	18	53	(	(	PUNCT
faba-276	18	54	malay	malay	NOUN
faba-276	18	55	mail	mail	NOUN
faba-276	18	56	2020	2020	NUM
faba-276	18	57	)	)	PUNCT
faba-276	18	58	.	.	PUNCT
faba-276	19	1	with	with	ADP
faba-276	19	2	a	a	DET
faba-276	19	3	move	move	NOUN
faba-276	19	4	by	by	ADP
faba-276	19	5	the	the	DET
faba-276	19	6	malaysian	malaysian	ADJ
faba-276	19	7	government	government	NOUN
faba-276	19	8	to	to	PART
faba-276	19	9	support	support	VERB
faba-276	19	10	e	e	NOUN
faba-276	19	11	-	-	NOUN
faba-276	19	12	wallet	wallet	NOUN
faba-276	19	13	services	service	NOUN
faba-276	19	14	,	,	PUNCT
faba-276	19	15	this	this	PRON
faba-276	19	16	may	may	AUX
faba-276	19	17	potentially	potentially	ADV
faba-276	19	18	affect	affect	VERB
faba-276	19	19	the	the	DET
faba-276	19	20	banking	banking	NOUN
faba-276	19	21	industry	industry	NOUN
faba-276	19	22	as	as	ADV
faba-276	19	23	well	well	ADV
faba-276	19	24	in	in	ADP
faba-276	19	25	which	which	PRON
faba-276	19	26	banks	bank	NOUN
faba-276	19	27	may	may	AUX
faba-276	19	28	be	be	AUX
faba-276	19	29	forced	force	VERB
faba-276	19	30	to	to	PART
faba-276	19	31	provide	provide	VERB
faba-276	19	32	better	well	ADJ
faba-276	19	33	mobile	mobile	ADJ
faba-276	19	34	payment	payment	NOUN
faba-276	19	35	services	service	NOUN
faba-276	19	36	to	to	ADP
faba-276	19	37	customers	customer	NOUN
faba-276	19	38	.	.	PUNCT
faba-276	20	1	the	the	DET
faba-276	20	2	mobile	mobile	ADJ
faba-276	20	3	payment	payment	NOUN
faba-276	20	4	services	service	NOUN
faba-276	20	5	in	in	ADP
faba-276	20	6	malaysia	malaysia	PROPN
faba-276	20	7	are	be	AUX
faba-276	20	8	offered	offer	VERB
faba-276	20	9	by	by	ADP
faba-276	20	10	banks	bank	NOUN
faba-276	20	11	and	and	CCONJ
faba-276	20	12	e	e	NOUN
faba-276	20	13	-	-	NOUN
faba-276	20	14	wallet	wallet	NOUN
faba-276	20	15	players	player	NOUN
faba-276	20	16	which	which	PRON
faba-276	20	17	is	be	AUX
faba-276	20	18	being	be	AUX
faba-276	20	19	overseen	oversee	VERB
faba-276	20	20	and	and	CCONJ
faba-276	20	21	mandated	mandate	VERB
faba-276	20	22	by	by	ADP
faba-276	20	23	bank	bank	PROPN
faba-276	20	24	negara	negara	PROPN
faba-276	20	25	malaysia	malaysia	PROPN
faba-276	20	26	,	,	PUNCT
faba-276	20	27	bnm	bnm	PROPN
faba-276	20	28	,	,	PUNCT
faba-276	20	29	to	to	PART
faba-276	20	30	use	use	VERB
faba-276	20	31	a	a	DET
faba-276	20	32	shared	share	VERB
faba-276	20	33	payment	payment	NOUN
faba-276	20	34	infrastructure	infrastructure	NOUN
faba-276	20	35	as	as	ADP
faba-276	20	36	part	part	NOUN
faba-276	20	37	of	of	ADP
faba-276	20	38	the	the	DET
faba-276	20	39	interoperable	interoperable	ADJ
faba-276	20	40	credit	credit	NOUN
faba-276	20	41	transfer	transfer	NOUN
faba-276	20	42	framework	framework	NOUN
faba-276	20	43	,	,	PUNCT
faba-276	20	44	ictf	ictf	NOUN
faba-276	20	45	,	,	PUNCT
faba-276	20	46	(	(	PUNCT
faba-276	20	47	bank	bank	NOUN
faba-276	20	48	negara	negara	PROPN
faba-276	20	49	malaysia	malaysia	PROPN
faba-276	20	50	2019	2019	NUM
faba-276	20	51	)	)	PUNCT
faba-276	20	52	which	which	PRON
faba-276	20	53	is	be	AUX
faba-276	20	54	provided	provide	VERB
faba-276	20	55	by	by	ADP
faba-276	20	56	payments	payment	NOUN
faba-276	20	57	network	network	NOUN
faba-276	20	58	malaysia	malaysia	PROPN
faba-276	20	59	sdn	sdn	PROPN
faba-276	20	60	bhd	bhd	PROPN
faba-276	20	61	,	,	PUNCT
faba-276	20	62	paynet	paynet	NOUN
faba-276	20	63	.	.	PUNCT
faba-276	21	1	paynet	paynet	NOUN
faba-276	21	2	provides	provide	VERB
faba-276	21	3	banks	bank	NOUN
faba-276	21	4	and	and	CCONJ
faba-276	21	5	e	e	NOUN
faba-276	21	6	-	-	NOUN
faba-276	21	7	wallets	wallet	NOUN
faba-276	21	8	access	access	NOUN
faba-276	21	9	to	to	PART
faba-276	21	10	use	use	VERB
faba-276	21	11	the	the	DET
faba-276	21	12	retail	retail	ADJ
faba-276	21	13	payments	payment	NOUN
faba-276	21	14	platform	platform	NOUN
faba-276	21	15	and	and	CCONJ
faba-276	21	16	the	the	DET
faba-276	21	17	shared	share	VERB
faba-276	21	18	atm	atm	NOUN
faba-276	21	19	network	network	NOUN
faba-276	21	20	to	to	PART
faba-276	21	21	provide	provide	VERB
faba-276	21	22	services	service	NOUN
faba-276	21	23	such	such	ADJ
faba-276	21	24	as	as	ADP
faba-276	21	25	duitnow	duitnow	ADJ
faba-276	21	26	transfer	transfer	NOUN
faba-276	21	27	,	,	PUNCT
faba-276	21	28	duitnow	duitnow	PROPN
faba-276	21	29	qr	qr	PROPN
faba-276	21	30	,	,	PUNCT
faba-276	21	31	interbank	interbank	NOUN
faba-276	21	32	giro	giro	NOUN
faba-276	21	33	,	,	PUNCT
faba-276	21	34	jompay	jompay	NOUN
faba-276	21	35	and	and	CCONJ
faba-276	21	36	financial	financial	ADJ
faba-276	21	37	processing	processing	NOUN
faba-276	21	38	exchange	exchange	NOUN
faba-276	21	39	.	.	PUNCT
faba-276	22	1	banks	bank	NOUN
faba-276	22	2	and	and	CCONJ
faba-276	22	3	e	e	NOUN
faba-276	22	4	-	-	NOUN
faba-276	22	5	wallets	wallet	NOUN
faba-276	22	6	have	have	AUX
faba-276	22	7	emphasized	emphasize	VERB
faba-276	22	8	on	on	ADP
faba-276	22	9	mobile	mobile	ADJ
faba-276	22	10	payments	payment	NOUN
faba-276	22	11	which	which	PRON
faba-276	22	12	had	have	AUX
faba-276	22	13	caused	cause	VERB
faba-276	22	14	malaysia	malaysia	PROPN
faba-276	22	15	to	to	PART
faba-276	22	16	see	see	VERB
faba-276	22	17	a	a	DET
faba-276	22	18	higher	high	ADJ
faba-276	22	19	number	number	NOUN
faba-276	22	20	of	of	ADP
faba-276	22	21	cashless	cashless	NOUN
faba-276	22	22	payments	payment	NOUN
faba-276	22	23	as	as	SCONJ
faba-276	22	24	compared	compare	VERB
faba-276	22	25	to	to	ADP
faba-276	22	26	other	other	ADJ
faba-276	22	27	countries	country	NOUN
faba-276	22	28	within	within	ADP
faba-276	22	29	southeast	southeast	PROPN
faba-276	22	30	asia	asia	PROPN
faba-276	22	31	as	as	SCONJ
faba-276	22	32	reported	report	VERB
faba-276	22	33	by	by	ADP
faba-276	22	34	mastercard	mastercard	PROPN
faba-276	22	35	(	(	PUNCT
faba-276	22	36	bernama	bernama	PROPN
faba-276	22	37	2020	2020	NUM
faba-276	22	38	)	)	PUNCT
faba-276	22	39	.	.	PUNCT
faba-276	23	1	mastercard	mastercard	PROPN
faba-276	23	2	had	have	AUX
faba-276	23	3	also	also	ADV
faba-276	23	4	reported	report	VERB
faba-276	23	5	that	that	SCONJ
faba-276	23	6	the	the	DET
faba-276	23	7	use	use	NOUN
faba-276	23	8	of	of	ADP
faba-276	23	9	cash	cash	NOUN
faba-276	23	10	by	by	ADP
faba-276	23	11	malaysians	malaysians	PROPN
faba-276	23	12	declined	decline	VERB
faba-276	23	13	by	by	ADP
faba-276	23	14	64	64	NUM
faba-276	23	15	%	%	NOUN
faba-276	23	16	while	while	SCONJ
faba-276	23	17	the	the	DET
faba-276	23	18	uptake	uptake	NOUN
faba-276	23	19	of	of	ADP
faba-276	23	20	credit	credit	NOUN
faba-276	23	21	and	and	CCONJ
faba-276	23	22	debit	debit	NOUN
faba-276	23	23	cards	card	NOUN
faba-276	23	24	saw	see	VERB
faba-276	23	25	an	an	DET
faba-276	23	26	increase	increase	NOUN
faba-276	23	27	by	by	ADP
faba-276	23	28	22	22	NUM
faba-276	23	29	%	%	NOUN
faba-276	23	30	and	and	CCONJ
faba-276	23	31	26	26	NUM
faba-276	23	32	%	%	NOUN
faba-276	23	33	respectively	respectively	ADV
faba-276	23	34	.	.	PUNCT
faba-276	24	1	despite	despite	SCONJ
faba-276	24	2	the	the	DET
faba-276	24	3	covid-19	covid-19	PROPN
faba-276	24	4	pandemic	pandemic	NOUN
faba-276	24	5	and	and	CCONJ
faba-276	24	6	the	the	DET
faba-276	24	7	movement	movement	NOUN
faba-276	24	8	control	control	NOUN
faba-276	24	9	orders	order	NOUN
faba-276	24	10	issued	issue	VERB
faba-276	24	11	by	by	ADP
faba-276	24	12	the	the	DET
faba-276	24	13	government	government	NOUN
faba-276	24	14	of	of	ADP
faba-276	24	15	malaysia	malaysia	PROPN
faba-276	24	16	,	,	PUNCT
faba-276	24	17	cash	cash	NOUN
faba-276	24	18	is	be	AUX
faba-276	24	19	still	still	ADV
faba-276	24	20	the	the	DET
faba-276	24	21	main	main	ADJ
faba-276	24	22	medium	medium	NOUN
faba-276	24	23	used	use	VERB
faba-276	24	24	for	for	ADP
faba-276	24	25	payment	payment	NOUN
faba-276	24	26	,	,	PUNCT
faba-276	24	27	though	though	SCONJ
faba-276	24	28	declining	decline	VERB
faba-276	24	29	with	with	ADP
faba-276	24	30	consumers	consumer	NOUN
faba-276	24	31	shifting	shift	VERB
faba-276	24	32	to	to	ADP
faba-276	24	33	cashless	cashless	NOUN
faba-276	24	34	payment	payment	NOUN
faba-276	24	35	options	option	NOUN
faba-276	24	36	such	such	ADJ
faba-276	24	37	as	as	ADP
faba-276	24	38	debit	debit	NOUN
faba-276	24	39	card	card	NOUN
faba-276	24	40	,	,	PUNCT
faba-276	24	41	credit	credit	NOUN
faba-276	24	42	card	card	NOUN
faba-276	24	43	,	,	PUNCT
faba-276	24	44	and	and	CCONJ
faba-276	24	45	qr	qr	NOUN
faba-276	24	46	payments	payment	NOUN
faba-276	24	47	(	(	PUNCT
faba-276	24	48	bank	bank	NOUN
faba-276	24	49	negara	negara	PROPN
faba-276	24	50	malaysia	malaysia	PROPN
faba-276	24	51	2021	2021	NUM
faba-276	24	52	)	)	PUNCT
faba-276	24	53	.	.	PUNCT
faba-276	25	1	the	the	DET
faba-276	25	2	covid-19	covid-19	PROPN
faba-276	25	3	that	that	PRON
faba-276	25	4	has	have	AUX
faba-276	25	5	plagued	plague	VERB
faba-276	25	6	people	people	NOUN
faba-276	25	7	across	across	ADP
faba-276	25	8	the	the	DET
faba-276	25	9	globe	globe	NOUN
faba-276	25	10	is	be	AUX
faba-276	25	11	an	an	DET
faba-276	25	12	infectious	infectious	ADJ
faba-276	25	13	disease	disease	NOUN
faba-276	25	14	which	which	PRON
faba-276	25	15	threatens	threaten	VERB
faba-276	25	16	not	not	PART
faba-276	25	17	just	just	ADV
faba-276	25	18	the	the	DET
faba-276	25	19	health	health	NOUN
faba-276	25	20	and	and	CCONJ
faba-276	25	21	lives	life	NOUN
faba-276	25	22	of	of	ADP
faba-276	25	23	humans	human	NOUN
faba-276	25	24	but	but	CCONJ
faba-276	25	25	also	also	ADV
faba-276	25	26	adversely	adversely	ADV
faba-276	25	27	affecting	affect	VERB
faba-276	25	28	the	the	DET
faba-276	25	29	global	global	ADJ
faba-276	25	30	economy	economy	NOUN
faba-276	25	31	(	(	PUNCT
faba-276	25	32	tang	tang	NOUN
faba-276	25	33	et	et	PROPN
faba-276	25	34	al	al	PROPN
faba-276	25	35	.	.	PROPN
faba-276	25	36	2020	2020	NUM
faba-276	25	37	;	;	PUNCT
faba-276	25	38	popkova	popkova	PROPN
faba-276	25	39	2021	2021	NUM
faba-276	25	40	,	,	PUNCT
faba-276	25	41	rahman	rahman	PROPN
faba-276	25	42	et	et	PROPN
faba-276	25	43	al	al	PROPN
faba-276	25	44	.	.	PROPN
faba-276	25	45	2022	2022	NUM
faba-276	25	46	,	,	PUNCT
faba-276	25	47	faramarzi	faramarzi	NOUN
faba-276	25	48	et	et	PROPN
faba-276	25	49	al	al	PROPN
faba-276	25	50	.	.	PROPN
faba-276	25	51	2024	2024	NUM
faba-276	25	52	)	)	PUNCT
faba-276	25	53	.	.	PUNCT
faba-276	26	1	due	due	ADP
faba-276	26	2	to	to	ADP
faba-276	26	3	the	the	DET
faba-276	26	4	dangers	danger	NOUN
faba-276	26	5	posed	pose	VERB
faba-276	26	6	by	by	ADP
faba-276	26	7	covid-19	covid-19	PROPN
faba-276	26	8	,	,	PUNCT
faba-276	26	9	the	the	DET
faba-276	26	10	malaysian	malaysian	ADJ
faba-276	26	11	government	government	NOUN
faba-276	26	12	had	have	AUX
faba-276	26	13	enacted	enact	VERB
faba-276	26	14	the	the	DET
faba-276	26	15	movement	movement	NOUN
faba-276	26	16	control	control	NOUN
faba-276	26	17	order	order	NOUN
faba-276	26	18	,	,	PUNCT
faba-276	26	19	mco	mco	NOUN
faba-276	26	20	,	,	PUNCT
faba-276	26	21	on	on	ADP
faba-276	26	22	march	march	PROPN
faba-276	26	23	18	18	NUM
faba-276	26	24	,	,	PUNCT
faba-276	26	25	2020	2020	NUM
faba-276	26	26	as	as	ADP
faba-276	26	27	a	a	DET
faba-276	26	28	measure	measure	NOUN
faba-276	26	29	to	to	PART
faba-276	26	30	control	control	VERB
faba-276	26	31	the	the	DET
faba-276	26	32	spread	spread	NOUN
faba-276	26	33	of	of	ADP
faba-276	26	34	covid-19	covid-19	PROPN
faba-276	26	35	in	in	ADP
faba-276	26	36	the	the	DET
faba-276	26	37	community	community	NOUN
faba-276	26	38	by	by	ADP
faba-276	26	39	conducting	conduct	VERB
faba-276	26	40	a	a	DET
faba-276	26	41	complete	complete	ADJ
faba-276	26	42	lockdown	lockdown	NOUN
faba-276	26	43	of	of	ADP
faba-276	26	44	the	the	DET
faba-276	26	45	economy	economy	NOUN
faba-276	26	46	with	with	ADP
faba-276	26	47	limited	limited	ADJ
faba-276	26	48	operations	operation	NOUN
faba-276	26	49	allowed	allow	VERB
faba-276	26	50	only	only	ADV
faba-276	26	51	for	for	ADP
faba-276	26	52	essential	essential	ADJ
faba-276	26	53	services	service	NOUN
faba-276	26	54	and	and	CCONJ
faba-276	26	55	restrict	restrict	VERB
faba-276	26	56	the	the	DET
faba-276	26	57	movement	movement	NOUN
faba-276	26	58	of	of	ADP
faba-276	26	59	people	people	NOUN
faba-276	26	60	to	to	PART
faba-276	26	61	confine	confine	VERB
faba-276	26	62	them	they	PRON
faba-276	26	63	within	within	ADP
faba-276	26	64	their	their	PRON
faba-276	26	65	home	home	NOUN
faba-276	26	66	vicinity	vicinity	NOUN
faba-276	26	67	(	(	PUNCT
faba-276	26	68	new	new	ADJ
faba-276	26	69	straits	strait	NOUN
faba-276	26	70	times	time	NOUN
faba-276	26	71	2020	2020	NUM
faba-276	26	72	)	)	PUNCT
faba-276	26	73	.	.	PUNCT
faba-276	27	1	aside	aside	ADV
faba-276	27	2	from	from	ADP
faba-276	27	3	the	the	DET
faba-276	27	4	mco	mco	NOUN
faba-276	27	5	,	,	PUNCT
faba-276	27	6	several	several	ADJ
faba-276	27	7	other	other	ADJ
faba-276	27	8	efforts	effort	NOUN
faba-276	27	9	were	be	AUX
faba-276	27	10	performed	perform	VERB
faba-276	27	11	such	such	ADJ
faba-276	27	12	as	as	ADP
faba-276	27	13	social	social	ADJ
faba-276	27	14	distancing	distancing	NOUN
faba-276	27	15	measures	measure	NOUN
faba-276	27	16	,	,	PUNCT
faba-276	27	17	mandatory	mandatory	ADJ
faba-276	27	18	wearing	wearing	NOUN
faba-276	27	19	of	of	ADP
faba-276	27	20	face	face	NOUN
faba-276	27	21	masks	mask	NOUN
faba-276	27	22	in	in	ADP
faba-276	27	23	public	public	ADJ
faba-276	27	24	areas	area	NOUN
faba-276	27	25	,	,	PUNCT
faba-276	27	26	online	online	ADJ
faba-276	27	27	education	education	NOUN
faba-276	27	28	and	and	CCONJ
faba-276	27	29	banning	ban	VERB
faba-276	27	30	gatherings	gathering	NOUN
faba-276	27	31	.	.	PUNCT
faba-276	28	1	this	this	DET
faba-276	28	2	perceived	perceive	VERB
faba-276	28	3	risk	risk	NOUN
faba-276	28	4	of	of	ADP
faba-276	28	5	contracting	contract	VERB
faba-276	28	6	covid-19	covid-19	PROPN
faba-276	28	7	had	have	AUX
faba-276	28	8	caused	cause	VERB
faba-276	28	9	for	for	ADP
faba-276	28	10	a	a	DET
faba-276	28	11	shift	shift	NOUN
faba-276	28	12	in	in	ADP
faba-276	28	13	consumer	consumer	NOUN
faba-276	28	14	behaviour	behaviour	NOUN
faba-276	28	15	where	where	SCONJ
faba-276	28	16	consumers	consumer	NOUN
faba-276	28	17	are	be	AUX
faba-276	28	18	leaning	lean	VERB
faba-276	28	19	towards	towards	ADP
faba-276	28	20	digital	digital	ADJ
faba-276	28	21	channels	channel	NOUN
faba-276	28	22	as	as	ADP
faba-276	28	23	their	their	PRON
faba-276	28	24	preferred	preferred	ADJ
faba-276	28	25	channels	channel	NOUN
faba-276	28	26	for	for	ADP
faba-276	28	27	shopping	shopping	NOUN
faba-276	28	28	,	,	PUNCT
faba-276	28	29	payments	payment	NOUN
faba-276	28	30	and	and	CCONJ
faba-276	28	31	even	even	ADV
faba-276	28	32	banking	banking	NOUN
faba-276	28	33	services	service	NOUN
faba-276	28	34	(	(	PUNCT
faba-276	28	35	deloitte	deloitte	PROPN
faba-276	28	36	2022	2022	NUM
faba-276	28	37	)	)	PUNCT
faba-276	28	38	.	.	PUNCT
faba-276	29	1	the	the	DET
faba-276	29	2	mco	mco	NOUN
faba-276	29	3	imposed	impose	VERB
faba-276	29	4	by	by	ADP
faba-276	29	5	the	the	DET
faba-276	29	6	malaysian	malaysian	ADJ
faba-276	29	7	government	government	NOUN
faba-276	29	8	may	may	AUX
faba-276	29	9	cause	cause	VERB
faba-276	29	10	for	for	ADP
faba-276	29	11	the	the	DET
faba-276	29	12	shift	shift	NOUN
faba-276	29	13	in	in	ADP
faba-276	29	14	consumer	consumer	NOUN
faba-276	29	15	behaviour	behaviour	NOUN
faba-276	29	16	in	in	ADP
faba-276	29	17	malaysia	malaysia	PROPN
faba-276	29	18	.	.	PUNCT
faba-276	30	1	e	e	X
faba-276	30	2	-	-	NOUN
faba-276	30	3	wallets	wallet	NOUN
faba-276	30	4	would	would	AUX
faba-276	30	5	require	require	VERB
faba-276	30	6	for	for	SCONJ
faba-276	30	7	a	a	DET
faba-276	30	8	e	e	NOUN
faba-276	30	9	-	-	NOUN
faba-276	30	10	money	money	NOUN
faba-276	30	11	license	license	NOUN
faba-276	30	12	issued	issue	VERB
faba-276	30	13	by	by	ADP
faba-276	30	14	bnm	bnm	PROPN
faba-276	30	15	to	to	PART
faba-276	30	16	operate	operate	VERB
faba-276	30	17	in	in	ADP
faba-276	30	18	malaysia	malaysia	PROPN
faba-276	30	19	.	.	PUNCT
faba-276	31	1	to	to	ADP
faba-276	31	2	date	date	NOUN
faba-276	31	3	,	,	PUNCT
faba-276	31	4	there	there	PRON
faba-276	31	5	are	be	VERB
faba-276	31	6	47	47	NUM
faba-276	31	7	non	non	ADJ
faba-276	31	8	-	-	ADJ
faba-276	31	9	bank	bank	ADJ
faba-276	31	10	e	e	NOUN
faba-276	31	11	-	-	NOUN
faba-276	31	12	money	money	NOUN
faba-276	31	13	issuers	issuer	NOUN
faba-276	31	14	(	(	PUNCT
faba-276	31	15	bank	bank	NOUN
faba-276	31	16	negara	negara	PROPN
faba-276	31	17	malaysia	malaysia	PROPN
faba-276	31	18	n.d	n.d	PROPN
faba-276	31	19	.	.	PROPN
faba-276	31	20	)	)	PUNCT
faba-276	32	1	in	in	ADP
faba-276	32	2	malaysia	malaysia	PROPN
faba-276	32	3	,	,	PUNCT
faba-276	32	4	however	however	ADV
faba-276	32	5	,	,	PUNCT
faba-276	32	6	the	the	DET
faba-276	32	7	growth	growth	NOUN
faba-276	32	8	of	of	ADP
faba-276	32	9	cashless	cashless	NOUN
faba-276	32	10	payment	payment	NOUN
faba-276	32	11	is	be	AUX
faba-276	32	12	still	still	ADV
faba-276	32	13	being	be	AUX
faba-276	32	14	widely	widely	ADV
faba-276	32	15	regarded	regard	VERB
faba-276	32	16	to	to	PART
faba-276	32	17	be	be	AUX
faba-276	32	18	low	low	ADJ
faba-276	32	19	(	(	PUNCT
faba-276	32	20	hajazi	hajazi	ADV
faba-276	32	21	et	et	PROPN
faba-276	32	22	al	al	PROPN
faba-276	32	23	.	.	PROPN
faba-276	32	24	2021	2021	NUM
faba-276	32	25	;	;	PUNCT
faba-276	32	26	norulhuda	norulhuda	NOUN
faba-276	32	27	et	et	PROPN
faba-276	32	28	al	al	PROPN
faba-276	32	29	.	.	PROPN
faba-276	32	30	2020	2020	NUM
faba-276	32	31	)	)	PUNCT
faba-276	32	32	.	.	PUNCT
faba-276	33	1	on	on	ADP
faba-276	33	2	the	the	DET
faba-276	33	3	adoption	adoption	NOUN
faba-276	33	4	of	of	ADP
faba-276	33	5	online	online	ADJ
faba-276	33	6	banking	banking	NOUN
faba-276	33	7	and	and	CCONJ
faba-276	33	8	mobile	mobile	NOUN
faba-276	33	9	banking	banking	NOUN
faba-276	33	10	,	,	PUNCT
faba-276	33	11	there	there	PRON
faba-276	33	12	has	have	AUX
faba-276	33	13	been	be	AUX
faba-276	33	14	various	various	ADJ
faba-276	33	15	researches	research	NOUN
faba-276	33	16	being	be	AUX
faba-276	33	17	conducted	conduct	VERB
faba-276	33	18	with	with	ADP
faba-276	33	19	most	most	ADJ
faba-276	33	20	of	of	ADP
faba-276	33	21	these	these	DET
faba-276	33	22	researches	research	NOUN
faba-276	33	23	had	have	AUX
faba-276	33	24	adopted	adopt	VERB
faba-276	33	25	the	the	DET
faba-276	33	26	technology	technology	NOUN
faba-276	33	27	acceptance	acceptance	NOUN
faba-276	33	28	model	model	NOUN
faba-276	33	29	,	,	PUNCT
faba-276	33	30	or	or	CCONJ
faba-276	33	31	tam	tam	PROPN
faba-276	33	32	,	,	PUNCT
faba-276	33	33	as	as	ADP
faba-276	33	34	the	the	DET
faba-276	33	35	main	main	ADJ
faba-276	33	36	theoretical	theoretical	ADJ
faba-276	33	37	model	model	NOUN
faba-276	33	38	where	where	SCONJ
faba-276	33	39	perceived	perceive	VERB
faba-276	33	40	usefulness	usefulness	NOUN
faba-276	33	41	,	,	PUNCT
faba-276	33	42	pu	pu	PROPN
faba-276	33	43	,	,	PUNCT
faba-276	33	44	and	and	CCONJ
faba-276	33	45	perceived	perceive	VERB
faba-276	33	46	ease	ease	NOUN
faba-276	33	47	of	of	ADP
faba-276	33	48	use	use	NOUN
faba-276	33	49	,	,	PUNCT
faba-276	33	50	peou	peou	NOUN
faba-276	33	51	are	be	AUX
faba-276	33	52	considered	consider	VERB
faba-276	33	53	as	as	ADP
faba-276	33	54	part	part	NOUN
faba-276	33	55	of	of	ADP
faba-276	33	56	the	the	DET
faba-276	33	57	study	study	NOUN
faba-276	33	58	(	(	PUNCT
faba-276	33	59	davis	davis	PROPN
faba-276	33	60	1989	1989	NUM
faba-276	33	61	)	)	PUNCT
faba-276	33	62	or	or	CCONJ
faba-276	33	63	an	an	DET
faba-276	33	64	extended	extended	ADJ
faba-276	33	65	version	version	NOUN
faba-276	33	66	of	of	ADP
faba-276	33	67	it	it	PRON
faba-276	33	68	where	where	SCONJ
faba-276	33	69	various	various	ADJ
faba-276	33	70	other	other	ADJ
faba-276	33	71	theories	theory	NOUN
faba-276	33	72	were	be	AUX
faba-276	33	73	integrated	integrate	VERB
faba-276	33	74	with	with	ADP
faba-276	33	75	tam	tam	NOUN
faba-276	33	76	to	to	PART
faba-276	33	77	form	form	VERB
faba-276	33	78	an	an	DET
faba-276	33	79	extended	extended	ADJ
faba-276	33	80	tam	tam	NOUN
faba-276	33	81	model	model	NOUN
faba-276	33	82	.	.	PUNCT
faba-276	34	1	these	these	DET
faba-276	34	2	studies	study	NOUN
faba-276	34	3	had	have	AUX
faba-276	34	4	extended	extend	VERB
faba-276	34	5	the	the	DET
faba-276	34	6	variables	variable	NOUN
faba-276	34	7	to	to	PART
faba-276	34	8	cover	cover	VERB
faba-276	34	9	perceived	perceive	VERB
faba-276	34	10	trust	trust	NOUN
faba-276	34	11	(	(	PUNCT
faba-276	34	12	ahmad	ahmad	PROPN
faba-276	34	13	adzri	adzri	PROPN
faba-276	34	14	et	et	PROPN
faba-276	34	15	al	al	PROPN
faba-276	34	16	.	.	PROPN
faba-276	34	17	2019	2019	NUM
faba-276	34	18	)	)	PUNCT
faba-276	34	19	,	,	PUNCT
faba-276	34	20	perceived	perceive	VERB
faba-276	34	21	self	self	NOUN
faba-276	34	22	-	-	PUNCT
faba-276	34	23	efficacy	efficacy	NOUN
faba-276	34	24	and	and	CCONJ
faba-276	34	25	amount	amount	NOUN
faba-276	34	26	of	of	ADP
faba-276	34	27	information	information	NOUN
faba-276	34	28	(	(	PUNCT
faba-276	34	29	ahmad	ahmad	PROPN
faba-276	34	30	iqbal	iqbal	PROPN
faba-276	34	31	and	and	CCONJ
faba-276	34	32	mohd	mohd	PROPN
faba-276	34	33	shahrulnizam	shahrulnizam	VERB
faba-276	34	34	2018	2018	NUM
faba-276	34	35	)	)	PUNCT
faba-276	34	36	,	,	PUNCT
faba-276	34	37	perceived	perceive	VERB
faba-276	34	38	risk	risk	NOUN
faba-276	34	39	(	(	PUNCT
faba-276	34	40	lim	lim	PROPN
faba-276	34	41	et	et	PROPN
faba-276	34	42	al	al	PROPN
faba-276	34	43	.	.	PROPN
faba-276	34	44	2019	2019	NUM
faba-276	34	45	;	;	PUNCT
faba-276	34	46	owais	owais	PROPN
faba-276	34	47	2020	2020	NUM
faba-276	34	48	;	;	PUNCT
faba-276	34	49	syed	syed	PROPN
faba-276	34	50	et	et	PROPN
faba-276	34	51	al	al	PROPN
faba-276	34	52	.	.	PROPN
faba-276	34	53	2018	2018	NUM
faba-276	34	54	;	;	PUNCT
faba-276	34	55	zahoor	zahoor	PROPN
faba-276	34	56	and	and	CCONJ
faba-276	34	57	fazal	fazal	PROPN
faba-276	34	58	2020	2020	NUM
faba-276	34	59	)	)	PUNCT
faba-276	34	60	,	,	PUNCT
faba-276	34	61	customer	customer	NOUN
faba-276	34	62	attitude	attitude	NOUN
faba-276	34	63	(	(	PUNCT
faba-276	34	64	owais	owais	PROPN
faba-276	34	65	2020	2020	NUM
faba-276	34	66	;	;	PUNCT
faba-276	34	67	syed	syed	PROPN
faba-276	34	68	et	et	PROPN
faba-276	34	69	al	al	PROPN
faba-276	34	70	.	.	PROPN
faba-276	34	71	2018	2018	NUM
faba-276	34	72	)	)	PUNCT
faba-276	34	73	,	,	PUNCT
faba-276	34	74	compatibility	compatibility	NOUN
faba-276	34	75	,	,	PUNCT
faba-276	34	76	trialability	trialability	NOUN
faba-276	34	77	,	,	PUNCT
faba-276	34	78	trust	trust	NOUN
faba-276	34	79	(	(	PUNCT
faba-276	34	80	kusumawati	kusumawati	PROPN
faba-276	34	81	and	and	CCONJ
faba-276	34	82	rinaldi	rinaldi	PROPN
faba-276	34	83	2020	2020	NUM
faba-276	34	84	;	;	PUNCT
faba-276	34	85	nguyen	nguyen	NOUN
faba-276	34	86	2020	2020	NUM
faba-276	34	87	)	)	PUNCT
faba-276	34	88	perceived	perceive	VERB
faba-276	34	89	behaviour	behaviour	NOUN
faba-276	34	90	control	control	NOUN
faba-276	34	91	and	and	CCONJ
faba-276	34	92	social	social	ADJ
faba-276	34	93	norms	norm	NOUN
faba-276	34	94	(	(	PUNCT
faba-276	34	95	syed	syed	ADJ
faba-276	34	96	et	et	PROPN
faba-276	34	97	al	al	PROPN
faba-276	34	98	.	.	PROPN
faba-276	34	99	2018	2018	NUM
faba-276	34	100	)	)	PUNCT
faba-276	34	101	,	,	PUNCT
faba-276	34	102	social	social	ADJ
faba-276	34	103	influence	influence	NOUN
faba-276	34	104	,	,	PUNCT
faba-276	34	105	rewards	reward	NOUN
faba-276	34	106	,	,	PUNCT
faba-276	34	107	personal	personal	ADJ
faba-276	34	108	innovativeness	innovativeness	NOUN
faba-276	34	109	(	(	PUNCT
faba-276	34	110	hajazi	hajazi	ADV
faba-276	34	111	et	et	PROPN
faba-276	34	112	al	al	PROPN
faba-276	34	113	.	.	PROPN
faba-276	34	114	2021	2021	NUM
faba-276	34	115	)	)	PUNCT
faba-276	34	116	,	,	PUNCT
faba-276	34	117	hedonic	hedonic	ADJ
faba-276	34	118	motivation	motivation	NOUN
faba-276	34	119	and	and	CCONJ
faba-276	34	120	perceived	perceive	VERB
faba-276	34	121	credibility	credibility	NOUN
faba-276	34	122	(	(	PUNCT
faba-276	34	123	syuhaili	syuhaili	NOUN
faba-276	34	124	and	and	CCONJ
faba-276	34	125	tan	tan	PROPN
faba-276	34	126	2020	2020	NUM
faba-276	34	127	)	)	PUNCT
faba-276	34	128	.	.	PUNCT
faba-276	35	1	over	over	ADP
faba-276	35	2	the	the	DET
faba-276	35	3	years	year	NOUN
faba-276	35	4	,	,	PUNCT
faba-276	35	5	there	there	PRON
faba-276	35	6	has	have	AUX
faba-276	35	7	been	be	AUX
faba-276	35	8	various	various	ADJ
faba-276	35	9	research	research	NOUN
faba-276	35	10	that	that	PRON
faba-276	35	11	has	have	AUX
faba-276	35	12	been	be	AUX
faba-276	35	13	presented	present	VERB
faba-276	35	14	on	on	ADP
faba-276	35	15	the	the	DET
faba-276	35	16	topic	topic	NOUN
faba-276	35	17	of	of	ADP
faba-276	35	18	mobile	mobile	ADJ
faba-276	35	19	payments	payment	NOUN
faba-276	35	20	which	which	PRON
faba-276	35	21	includes	include	VERB
faba-276	35	22	the	the	DET
faba-276	35	23	adoption	adoption	NOUN
faba-276	35	24	of	of	ADP
faba-276	35	25	mobile	mobile	ADJ
faba-276	35	26	payment	payment	NOUN
faba-276	35	27	services	service	NOUN
faba-276	35	28	from	from	ADP
faba-276	35	29	the	the	DET
faba-276	35	30	perspective	perspective	NOUN
faba-276	35	31	of	of	ADP
faba-276	35	32	consumers	consumer	NOUN
faba-276	35	33	.	.	PUNCT
faba-276	36	1	similar	similar	ADJ
faba-276	36	2	to	to	ADP
faba-276	36	3	the	the	DET
faba-276	36	4	research	research	NOUN
faba-276	36	5	on	on	ADP
faba-276	36	6	online	online	ADJ
faba-276	36	7	banking	banking	NOUN
faba-276	36	8	and	and	CCONJ
faba-276	36	9	mobile	mobile	NOUN
faba-276	36	10	banking	banking	NOUN
faba-276	36	11	,	,	PUNCT
faba-276	36	12	this	this	DET
faba-276	36	13	research	research	NOUN
faba-276	36	14	had	have	AUX
faba-276	36	15	mainly	mainly	ADV
faba-276	36	16	utilized	utilize	VERB
faba-276	36	17	tam	tam	NOUN
faba-276	36	18	as	as	ADP
faba-276	36	19	the	the	DET
faba-276	36	20	main	main	ADJ
faba-276	36	21	theoretical	theoretical	ADJ
faba-276	36	22	model	model	NOUN
faba-276	36	23	and	and	CCONJ
faba-276	36	24	various	various	ADJ
faba-276	36	25	other	other	ADJ
faba-276	36	26	theories	theory	NOUN
faba-276	36	27	were	be	AUX
faba-276	36	28	integrated	integrate	VERB
faba-276	36	29	with	with	ADP
faba-276	36	30	tam	tam	NOUN
faba-276	36	31	to	to	PART
faba-276	36	32	form	form	VERB
faba-276	36	33	an	an	DET
faba-276	36	34	extended	extended	ADJ
faba-276	36	35	tam	tam	NOUN
faba-276	36	36	model	model	NOUN
faba-276	36	37	(	(	PUNCT
faba-276	36	38	yeow	yeow	PROPN
faba-276	36	39	et	et	PROPN
faba-276	36	40	al	al	PROPN
faba-276	36	41	.	.	PUNCT
faba-276	36	42	rushaizzad	rushaizzad	PROPN
faba-276	36	43	a.rahim	a.rahim	PRON
faba-276	36	44	and	and	CCONJ
faba-276	36	45	jaizah	jaizah	VERB
faba-276	36	46	othman	othman	PROPN
faba-276	36	47	/	/	SYM
faba-276	36	48	finance	finance	NOUN
faba-276	36	49	,	,	PUNCT
faba-276	36	50	accounting	accounting	NOUN
faba-276	36	51	and	and	CCONJ
faba-276	36	52	business	business	NOUN
faba-276	36	53	analysis	analysis	NOUN
faba-276	36	54	,	,	PUNCT
faba-276	36	55	volume	volume	NOUN
faba-276	36	56	7	7	NUM
faba-276	36	57	issue	issue	NOUN
faba-276	36	58	2	2	NUM
faba-276	36	59	,	,	PUNCT
faba-276	36	60	2025	2025	NUM
faba-276	36	61	168	168	NUM
faba-276	36	62	2017	2017	NUM
faba-276	36	63	;	;	PUNCT
faba-276	36	64	natarajan	natarajan	PROPN
faba-276	36	65	et	et	PROPN
faba-276	36	66	al	al	PROPN
faba-276	36	67	.	.	PROPN
faba-276	36	68	2018	2018	NUM
faba-276	36	69	;	;	PUNCT
faba-276	36	70	balakrishnan	balakrishnan	PROPN
faba-276	36	71	and	and	CCONJ
faba-276	36	72	nor	nor	CCONJ
faba-276	36	73	liyana	liyana	NOUN
faba-276	36	74	2021	2021	NUM
faba-276	36	75	)	)	PUNCT
faba-276	36	76	.	.	PUNCT
faba-276	37	1	these	these	DET
faba-276	37	2	extended	extended	ADJ
faba-276	37	3	models	model	NOUN
faba-276	37	4	would	would	AUX
faba-276	37	5	include	include	VERB
faba-276	37	6	other	other	ADJ
faba-276	37	7	variables	variable	NOUN
faba-276	37	8	such	such	ADJ
faba-276	37	9	as	as	ADP
faba-276	37	10	perceived	perceive	VERB
faba-276	37	11	credibility	credibility	NOUN
faba-276	37	12	and	and	CCONJ
faba-276	37	13	social	social	ADJ
faba-276	37	14	influence	influence	NOUN
faba-276	37	15	(	(	PUNCT
faba-276	37	16	yeow	yeow	PROPN
faba-276	37	17	et	et	PROPN
faba-276	37	18	al	al	PROPN
faba-276	37	19	.	.	PROPN
faba-276	37	20	2017	2017	NUM
faba-276	37	21	)	)	PUNCT
faba-276	37	22	,	,	PUNCT
faba-276	37	23	perceived	perceive	VERB
faba-276	37	24	risk	risk	NOUN
faba-276	37	25	and	and	CCONJ
faba-276	37	26	perceived	perceive	VERB
faba-276	37	27	motivation	motivation	NOUN
faba-276	37	28	(	(	PUNCT
faba-276	37	29	natarajan	natarajan	PROPN
faba-276	37	30	et	et	PROPN
faba-276	37	31	al	al	PROPN
faba-276	37	32	.	.	PROPN
faba-276	37	33	2018	2018	NUM
faba-276	37	34	)	)	PUNCT
faba-276	37	35	,	,	PUNCT
faba-276	37	36	as	as	ADV
faba-276	37	37	well	well	ADV
faba-276	37	38	as	as	ADP
faba-276	37	39	optimism	optimism	NOUN
faba-276	37	40	,	,	PUNCT
faba-276	37	41	innovativeness	innovativeness	NOUN
faba-276	37	42	,	,	PUNCT
faba-276	37	43	lack	lack	NOUN
faba-276	37	44	of	of	ADP
faba-276	37	45	awareness	awareness	NOUN
faba-276	37	46	,	,	PUNCT
faba-276	37	47	cashless	cashless	NOUN
faba-276	37	48	readiness	readiness	NOUN
faba-276	37	49	,	,	PUNCT
faba-276	37	50	risk	risk	NOUN
faba-276	37	51	,	,	PUNCT
faba-276	37	52	intrinsic	intrinsic	ADJ
faba-276	37	53	motivation	motivation	NOUN
faba-276	37	54	and	and	CCONJ
faba-276	37	55	adoption	adoption	NOUN
faba-276	37	56	(	(	PUNCT
faba-276	37	57	balakrishnan	balakrishnan	NOUN
faba-276	37	58	and	and	CCONJ
faba-276	37	59	nor	nor	CCONJ
faba-276	37	60	liyana	liyana	NOUN
faba-276	37	61	2021	2021	NUM
faba-276	37	62	)	)	PUNCT
faba-276	37	63	.	.	PUNCT
faba-276	38	1	there	there	PRON
faba-276	38	2	were	be	VERB
faba-276	38	3	also	also	ADV
faba-276	38	4	studies	study	NOUN
faba-276	38	5	conducted	conduct	VERB
faba-276	38	6	on	on	ADP
faba-276	38	7	the	the	DET
faba-276	38	8	adoption	adoption	NOUN
faba-276	38	9	of	of	ADP
faba-276	38	10	mobile	mobile	ADJ
faba-276	38	11	payments	payment	NOUN
faba-276	38	12	from	from	ADP
faba-276	38	13	the	the	DET
faba-276	38	14	perspective	perspective	NOUN
faba-276	38	15	of	of	ADP
faba-276	38	16	age	age	NOUN
faba-276	38	17	categories	category	NOUN
faba-276	38	18	or	or	CCONJ
faba-276	38	19	generations	generation	NOUN
faba-276	38	20	where	where	SCONJ
faba-276	38	21	millennials	millennial	NOUN
faba-276	38	22	or	or	CCONJ
faba-276	38	23	gen	gen	PROPN
faba-276	38	24	y	y	PROPN
faba-276	38	25	would	would	AUX
faba-276	38	26	have	have	VERB
faba-276	38	27	a	a	DET
faba-276	38	28	stronger	strong	ADJ
faba-276	38	29	affinity	affinity	NOUN
faba-276	38	30	in	in	ADP
faba-276	38	31	adopting	adopt	VERB
faba-276	38	32	mobile	mobile	ADJ
faba-276	38	33	payments	payment	NOUN
faba-276	38	34	(	(	PUNCT
faba-276	38	35	yeow	yeow	PROPN
faba-276	38	36	et	et	PROPN
faba-276	38	37	al	al	PROPN
faba-276	38	38	.	.	PROPN
faba-276	38	39	2017	2017	NUM
faba-276	38	40	;	;	PUNCT
faba-276	38	41	natarajan	natarajan	PROPN
faba-276	38	42	et	et	PROPN
faba-276	38	43	al	al	PROPN
faba-276	38	44	.	.	PROPN
faba-276	38	45	2018	2018	NUM
faba-276	38	46	)	)	PUNCT
faba-276	38	47	.	.	PUNCT
faba-276	39	1	the	the	DET
faba-276	39	2	current	current	ADJ
faba-276	39	3	literature	literature	NOUN
faba-276	39	4	on	on	ADP
faba-276	39	5	mobile	mobile	ADJ
faba-276	39	6	payment	payment	NOUN
faba-276	39	7	has	have	AUX
faba-276	39	8	been	be	AUX
faba-276	39	9	focused	focus	VERB
faba-276	39	10	on	on	ADP
faba-276	39	11	approaching	approach	VERB
faba-276	39	12	the	the	DET
faba-276	39	13	areas	area	NOUN
faba-276	39	14	of	of	ADP
faba-276	39	15	study	study	NOUN
faba-276	39	16	from	from	ADP
faba-276	39	17	a	a	DET
faba-276	39	18	consumer	consumer	NOUN
faba-276	39	19	perspective	perspective	NOUN
faba-276	39	20	specifically	specifically	ADV
faba-276	39	21	in	in	ADP
faba-276	39	22	the	the	DET
faba-276	39	23	areas	area	NOUN
faba-276	39	24	of	of	ADP
faba-276	39	25	tam	tam	PROPN
faba-276	39	26	.	.	PUNCT
faba-276	40	1	however	however	ADV
faba-276	40	2	,	,	PUNCT
faba-276	40	3	despite	despite	SCONJ
faba-276	40	4	the	the	DET
faba-276	40	5	decades	decade	NOUN
faba-276	40	6	of	of	ADP
faba-276	40	7	scholarly	scholarly	ADJ
faba-276	40	8	research	research	NOUN
faba-276	40	9	conducted	conduct	VERB
faba-276	40	10	,	,	PUNCT
faba-276	40	11	there	there	PRON
faba-276	40	12	have	have	AUX
faba-276	40	13	been	be	AUX
faba-276	40	14	limited	limit	VERB
faba-276	40	15	studies	study	NOUN
faba-276	40	16	found	find	VERB
faba-276	40	17	on	on	ADP
faba-276	40	18	the	the	DET
faba-276	40	19	adoption	adoption	NOUN
faba-276	40	20	of	of	ADP
faba-276	40	21	mobile	mobile	ADJ
faba-276	40	22	payments	payment	NOUN
faba-276	40	23	with	with	ADP
faba-276	40	24	a	a	DET
faba-276	40	25	market	market	NOUN
faba-276	40	26	situation	situation	NOUN
faba-276	40	27	driver	driver	NOUN
faba-276	40	28	being	be	AUX
faba-276	40	29	used	use	VERB
faba-276	40	30	.	.	PUNCT
faba-276	41	1	as	as	SCONJ
faba-276	41	2	consumer	consumer	NOUN
faba-276	41	3	behaviour	behaviour	NOUN
faba-276	41	4	has	have	AUX
faba-276	41	5	shifted	shift	VERB
faba-276	41	6	because	because	SCONJ
faba-276	41	7	of	of	ADP
faba-276	41	8	the	the	DET
faba-276	41	9	covid-19	covid-19	PROPN
faba-276	41	10	pandemic	pandemic	NOUN
faba-276	41	11	,	,	PUNCT
faba-276	41	12	the	the	DET
faba-276	41	13	perceived	perceive	VERB
faba-276	41	14	risk	risk	NOUN
faba-276	41	15	of	of	ADP
faba-276	41	16	covid-19	covid-19	PROPN
faba-276	41	17	would	would	AUX
faba-276	41	18	be	be	AUX
faba-276	41	19	a	a	DET
faba-276	41	20	market	market	NOUN
faba-276	41	21	situation	situation	NOUN
faba-276	41	22	driver	driver	NOUN
faba-276	41	23	that	that	PRON
faba-276	41	24	can	can	AUX
faba-276	41	25	be	be	AUX
faba-276	41	26	studied	study	VERB
faba-276	41	27	.	.	PUNCT
faba-276	42	1	considering	consider	VERB
faba-276	42	2	the	the	DET
faba-276	42	3	above	above	ADJ
faba-276	42	4	,	,	PUNCT
faba-276	42	5	the	the	DET
faba-276	42	6	problem	problem	NOUN
faba-276	42	7	of	of	ADP
faba-276	42	8	this	this	DET
faba-276	42	9	research	research	NOUN
faba-276	42	10	is	be	AUX
faba-276	42	11	the	the	DET
faba-276	42	12	lack	lack	NOUN
faba-276	42	13	of	of	ADP
faba-276	42	14	study	study	NOUN
faba-276	42	15	on	on	ADP
faba-276	42	16	the	the	DET
faba-276	42	17	behavioural	behavioural	ADJ
faba-276	42	18	intention	intention	NOUN
faba-276	42	19	to	to	PART
faba-276	42	20	adopt	adopt	VERB
faba-276	42	21	mobile	mobile	ADJ
faba-276	42	22	payment	payment	NOUN
faba-276	42	23	with	with	ADP
faba-276	42	24	the	the	DET
faba-276	42	25	market	market	NOUN
faba-276	42	26	situation	situation	NOUN
faba-276	42	27	driver	driver	NOUN
faba-276	42	28	being	be	AUX
faba-276	42	29	used	use	VERB
faba-276	42	30	as	as	ADP
faba-276	42	31	a	a	DET
faba-276	42	32	variable	variable	NOUN
faba-276	42	33	.	.	PUNCT
faba-276	43	1	the	the	DET
faba-276	43	2	study	study	NOUN
faba-276	43	3	on	on	ADP
faba-276	43	4	the	the	DET
faba-276	43	5	behavioural	behavioural	ADJ
faba-276	43	6	intention	intention	NOUN
faba-276	43	7	to	to	PART
faba-276	43	8	adopt	adopt	VERB
faba-276	43	9	mobile	mobile	ADJ
faba-276	43	10	payment	payment	NOUN
faba-276	43	11	will	will	AUX
faba-276	43	12	involve	involve	VERB
faba-276	43	13	malaysians	malaysians	PROPN
faba-276	43	14	only	only	ADV
faba-276	43	15	to	to	PART
faba-276	43	16	provide	provide	VERB
faba-276	43	17	a	a	DET
faba-276	43	18	malaysian	malaysian	ADJ
faba-276	43	19	context	context	NOUN
faba-276	43	20	to	to	ADP
faba-276	43	21	the	the	DET
faba-276	43	22	study	study	NOUN
faba-276	43	23	with	with	ADP
faba-276	43	24	surveys	survey	NOUN
faba-276	43	25	being	be	AUX
faba-276	43	26	conducted	conduct	VERB
faba-276	43	27	in	in	ADP
faba-276	43	28	an	an	DET
faba-276	43	29	online	online	ADJ
faba-276	43	30	setting	setting	NOUN
faba-276	43	31	specifically	specifically	ADV
faba-276	43	32	to	to	ADP
faba-276	43	33	malaysian	malaysian	ADJ
faba-276	43	34	individuals	individual	NOUN
faba-276	43	35	.	.	PUNCT
faba-276	44	1	these	these	DET
faba-276	44	2	respondents	respondent	NOUN
faba-276	44	3	will	will	AUX
faba-276	44	4	provide	provide	VERB
faba-276	44	5	the	the	DET
faba-276	44	6	malaysian	malaysian	ADJ
faba-276	44	7	perspective	perspective	NOUN
faba-276	44	8	and	and	CCONJ
faba-276	44	9	whether	whether	SCONJ
faba-276	44	10	perceived	perceive	VERB
faba-276	44	11	covid-19	covid-19	PROPN
faba-276	44	12	risk	risk	NOUN
faba-276	44	13	which	which	PRON
faba-276	44	14	was	be	AUX
faba-276	44	15	used	use	VERB
faba-276	44	16	as	as	SCONJ
faba-276	44	17	the	the	DET
faba-276	44	18	market	market	NOUN
faba-276	44	19	situation	situation	NOUN
faba-276	44	20	driver	driver	NOUN
faba-276	44	21	could	could	AUX
faba-276	44	22	be	be	AUX
faba-276	44	23	used	use	VERB
faba-276	44	24	for	for	ADP
faba-276	44	25	this	this	DET
faba-276	44	26	study	study	NOUN
faba-276	44	27	.	.	PUNCT
faba-276	45	1	the	the	DET
faba-276	45	2	overall	overall	ADJ
faba-276	45	3	objective	objective	NOUN
faba-276	45	4	of	of	ADP
faba-276	45	5	the	the	DET
faba-276	45	6	research	research	NOUN
faba-276	45	7	is	be	AUX
faba-276	45	8	to	to	PART
faba-276	45	9	study	study	VERB
faba-276	45	10	the	the	DET
faba-276	45	11	factors	factor	NOUN
faba-276	45	12	influencing	influence	VERB
faba-276	45	13	the	the	DET
faba-276	45	14	behavioural	behavioural	ADJ
faba-276	45	15	intention	intention	NOUN
faba-276	45	16	to	to	PART
faba-276	45	17	adopt	adopt	VERB
faba-276	45	18	mobile	mobile	ADJ
faba-276	45	19	payment	payment	NOUN
faba-276	45	20	with	with	ADP
faba-276	45	21	the	the	DET
faba-276	45	22	presence	presence	NOUN
faba-276	45	23	of	of	ADP
faba-276	45	24	covid-19	covid-19	PROPN
faba-276	45	25	in	in	ADP
faba-276	45	26	malaysia	malaysia	PROPN
faba-276	45	27	.	.	PUNCT
faba-276	46	1	this	this	DET
faba-276	46	2	objective	objective	NOUN
faba-276	46	3	is	be	AUX
faba-276	46	4	supported	support	VERB
faba-276	46	5	by	by	ADP
faba-276	46	6	several	several	ADJ
faba-276	46	7	other	other	ADJ
faba-276	46	8	objectives	objective	NOUN
faba-276	46	9	formulated	formulate	VERB
faba-276	46	10	to	to	PART
faba-276	46	11	support	support	VERB
faba-276	46	12	this	this	DET
faba-276	46	13	research	research	NOUN
faba-276	46	14	which	which	PRON
faba-276	46	15	are	be	AUX
faba-276	46	16	as	as	SCONJ
faba-276	46	17	follows	follow	VERB
faba-276	46	18	:	:	PUNCT
faba-276	46	19	a.	a.	NOUN
faba-276	46	20	to	to	PART
faba-276	46	21	investigate	investigate	VERB
faba-276	46	22	as	as	ADP
faba-276	46	23	to	to	ADP
faba-276	46	24	whether	whether	SCONJ
faba-276	46	25	subjective	subjective	ADJ
faba-276	46	26	norms	norm	NOUN
faba-276	46	27	affect	affect	VERB
faba-276	46	28	the	the	DET
faba-276	46	29	behavioural	behavioural	ADJ
faba-276	46	30	intention	intention	NOUN
faba-276	46	31	to	to	PART
faba-276	46	32	adopt	adopt	VERB
faba-276	46	33	mobile	mobile	ADJ
faba-276	46	34	payment	payment	NOUN
faba-276	46	35	.	.	PUNCT
faba-276	47	1	b.	b.	PROPN
faba-276	47	2	to	to	PART
faba-276	47	3	investigate	investigate	VERB
faba-276	47	4	as	as	ADP
faba-276	47	5	to	to	ADP
faba-276	47	6	whether	whether	SCONJ
faba-276	47	7	perceived	perceive	VERB
faba-276	47	8	usefulness	usefulness	NOUN
faba-276	47	9	affects	affect	VERB
faba-276	47	10	the	the	DET
faba-276	47	11	behavioural	behavioural	ADJ
faba-276	47	12	intention	intention	NOUN
faba-276	47	13	to	to	PART
faba-276	47	14	adopt	adopt	VERB
faba-276	47	15	mobile	mobile	ADJ
faba-276	47	16	payment	payment	NOUN
faba-276	47	17	.	.	PUNCT
faba-276	48	1	c.	c.	NOUN
faba-276	48	2	to	to	PART
faba-276	48	3	investigate	investigate	VERB
faba-276	48	4	as	as	ADP
faba-276	48	5	to	to	ADP
faba-276	48	6	whether	whether	SCONJ
faba-276	48	7	perceived	perceive	VERB
faba-276	48	8	ease	ease	NOUN
faba-276	48	9	of	of	ADP
faba-276	48	10	use	use	NOUN
faba-276	48	11	affects	affect	VERB
faba-276	48	12	the	the	DET
faba-276	48	13	behavioural	behavioural	ADJ
faba-276	48	14	intention	intention	NOUN
faba-276	48	15	to	to	PART
faba-276	48	16	adopt	adopt	VERB
faba-276	48	17	mobile	mobile	ADJ
faba-276	48	18	payment	payment	NOUN
faba-276	48	19	.	.	PUNCT
faba-276	49	1	d.	d.	PROPN
faba-276	49	2	to	to	PART
faba-276	49	3	investigate	investigate	VERB
faba-276	49	4	as	as	ADP
faba-276	49	5	to	to	ADP
faba-276	49	6	whether	whether	SCONJ
faba-276	49	7	perceived	perceive	VERB
faba-276	49	8	covid-19	covid-19	PROPN
faba-276	49	9	risk	risk	NOUN
faba-276	49	10	affects	affect	VERB
faba-276	49	11	the	the	DET
faba-276	49	12	behavioural	behavioural	ADJ
faba-276	49	13	intention	intention	NOUN
faba-276	49	14	to	to	PART
faba-276	49	15	adopt	adopt	VERB
faba-276	49	16	mobile	mobile	ADJ
faba-276	49	17	payment	payment	NOUN
faba-276	49	18	.	.	PUNCT
faba-276	50	1	the	the	DET
faba-276	50	2	research	research	NOUN
faba-276	50	3	questions	question	NOUN
faba-276	50	4	were	be	AUX
faba-276	50	5	formulated	formulate	VERB
faba-276	50	6	to	to	PART
faba-276	50	7	address	address	VERB
faba-276	50	8	the	the	DET
faba-276	50	9	overall	overall	ADJ
faba-276	50	10	aim	aim	NOUN
faba-276	50	11	of	of	ADP
faba-276	50	12	the	the	DET
faba-276	50	13	study	study	NOUN
faba-276	50	14	which	which	PRON
faba-276	50	15	are	be	AUX
faba-276	50	16	as	as	SCONJ
faba-276	50	17	follows	follow	VERB
faba-276	50	18	:	:	PUNCT
faba-276	50	19	a.	a.	NOUN
faba-276	50	20	do	do	AUX
faba-276	50	21	subjective	subjective	ADJ
faba-276	50	22	norms	norm	NOUN
faba-276	50	23	affect	affect	VERB
faba-276	50	24	the	the	DET
faba-276	50	25	behavioural	behavioural	ADJ
faba-276	50	26	intention	intention	NOUN
faba-276	50	27	to	to	PART
faba-276	50	28	adopt	adopt	VERB
faba-276	50	29	mobile	mobile	ADJ
faba-276	50	30	payment	payment	NOUN
faba-276	50	31	?	?	PUNCT
faba-276	51	1	b.	b.	PROPN
faba-276	51	2	does	do	AUX
faba-276	51	3	perceived	perceive	VERB
faba-276	51	4	usefulness	usefulness	NOUN
faba-276	51	5	affect	affect	VERB
faba-276	51	6	the	the	DET
faba-276	51	7	behavioural	behavioural	ADJ
faba-276	51	8	intention	intention	NOUN
faba-276	51	9	to	to	PART
faba-276	51	10	adopt	adopt	VERB
faba-276	51	11	mobile	mobile	ADJ
faba-276	51	12	payment	payment	NOUN
faba-276	51	13	?	?	PUNCT
faba-276	52	1	c.	c.	NOUN
faba-276	52	2	does	do	AUX
faba-276	52	3	perceived	perceive	VERB
faba-276	52	4	ease	ease	NOUN
faba-276	52	5	of	of	ADP
faba-276	52	6	use	use	NOUN
faba-276	52	7	affect	affect	VERB
faba-276	52	8	the	the	DET
faba-276	52	9	behavioural	behavioural	ADJ
faba-276	52	10	intention	intention	NOUN
faba-276	52	11	to	to	PART
faba-276	52	12	adopt	adopt	VERB
faba-276	52	13	mobile	mobile	ADJ
faba-276	52	14	payment	payment	NOUN
faba-276	52	15	?	?	PUNCT
faba-276	53	1	d.	d.	PROPN
faba-276	53	2	does	do	AUX
faba-276	53	3	perceived	perceive	VERB
faba-276	53	4	covid-19	covid-19	PROPN
faba-276	53	5	risk	risk	NOUN
faba-276	53	6	affect	affect	VERB
faba-276	53	7	the	the	DET
faba-276	53	8	behavioural	behavioural	ADJ
faba-276	53	9	intention	intention	NOUN
faba-276	53	10	to	to	PART
faba-276	53	11	adopt	adopt	VERB
faba-276	53	12	mobile	mobile	ADJ
faba-276	53	13	payment	payment	NOUN
faba-276	53	14	?	?	PUNCT
faba-276	54	1	to	to	PART
faba-276	54	2	achieve	achieve	VERB
faba-276	54	3	these	these	DET
faba-276	54	4	objectives	objective	NOUN
faba-276	54	5	,	,	PUNCT
faba-276	54	6	this	this	DET
faba-276	54	7	study	study	NOUN
faba-276	54	8	employs	employ	VERB
faba-276	54	9	a	a	DET
faba-276	54	10	quantitative	quantitative	ADJ
faba-276	54	11	research	research	NOUN
faba-276	54	12	design	design	NOUN
faba-276	54	13	utilizing	utilize	VERB
faba-276	54	14	primary	primary	ADJ
faba-276	54	15	data	datum	NOUN
faba-276	54	16	collected	collect	VERB
faba-276	54	17	from	from	ADP
faba-276	54	18	malaysian	malaysian	ADJ
faba-276	54	19	respondents	respondent	NOUN
faba-276	54	20	through	through	ADP
faba-276	54	21	an	an	DET
faba-276	54	22	online	online	ADJ
faba-276	54	23	survey	survey	NOUN
faba-276	54	24	.	.	PUNCT
faba-276	55	1	the	the	DET
faba-276	55	2	remainder	remainder	NOUN
faba-276	55	3	of	of	ADP
faba-276	55	4	the	the	DET
faba-276	55	5	paper	paper	NOUN
faba-276	55	6	is	be	AUX
faba-276	55	7	organized	organize	VERB
faba-276	55	8	as	as	SCONJ
faba-276	55	9	follows	follow	VERB
faba-276	55	10	:	:	PUNCT
faba-276	55	11	section	section	NOUN
faba-276	55	12	2	2	NUM
faba-276	55	13	provides	provide	VERB
faba-276	55	14	a	a	DET
faba-276	55	15	comprehensive	comprehensive	ADJ
faba-276	55	16	review	review	NOUN
faba-276	55	17	of	of	ADP
faba-276	55	18	the	the	DET
faba-276	55	19	relevant	relevant	ADJ
faba-276	55	20	literature	literature	NOUN
faba-276	55	21	and	and	CCONJ
faba-276	55	22	introduces	introduce	VERB
faba-276	55	23	the	the	DET
faba-276	55	24	conceptual	conceptual	ADJ
faba-276	55	25	framework	framework	NOUN
faba-276	55	26	and	and	CCONJ
faba-276	55	27	research	research	NOUN
faba-276	55	28	hypotheses	hypothesis	NOUN
faba-276	55	29	.	.	PUNCT
faba-276	56	1	section	section	NOUN
faba-276	56	2	3	3	NUM
faba-276	56	3	details	detail	NOUN
faba-276	56	4	the	the	DET
faba-276	56	5	research	research	NOUN
faba-276	56	6	methodology	methodology	NOUN
faba-276	56	7	,	,	PUNCT
faba-276	56	8	including	include	VERB
faba-276	56	9	the	the	DET
faba-276	56	10	sampling	sample	VERB
faba-276	56	11	strategy	strategy	NOUN
faba-276	56	12	and	and	CCONJ
faba-276	56	13	analytical	analytical	ADJ
faba-276	56	14	techniques	technique	NOUN
faba-276	56	15	.	.	PUNCT
faba-276	57	1	section	section	NOUN
faba-276	57	2	4	4	NUM
faba-276	57	3	presents	present	VERB
faba-276	57	4	empirical	empirical	ADJ
faba-276	57	5	findings	finding	NOUN
faba-276	57	6	and	and	CCONJ
faba-276	57	7	analysis	analysis	NOUN
faba-276	57	8	.	.	PUNCT
faba-276	58	1	finally	finally	ADV
faba-276	58	2	,	,	PUNCT
faba-276	58	3	section	section	NOUN
faba-276	58	4	5	5	NUM
faba-276	58	5	concludes	conclude	VERB
faba-276	58	6	the	the	DET
faba-276	58	7	study	study	NOUN
faba-276	58	8	with	with	ADP
faba-276	58	9	key	key	ADJ
faba-276	58	10	policy	policy	NOUN
faba-276	58	11	implications	implication	NOUN
faba-276	58	12	and	and	CCONJ
faba-276	58	13	suggestions	suggestion	NOUN
faba-276	58	14	for	for	ADP
faba-276	58	15	future	future	ADJ
faba-276	58	16	research	research	NOUN
faba-276	58	17	directions	direction	NOUN
faba-276	58	18	.	.	PUNCT
faba-276	59	1	literature	literature	NOUN
faba-276	59	2	review	review	PROPN
faba-276	59	3	development	development	NOUN
faba-276	59	4	of	of	ADP
faba-276	59	5	the	the	DET
faba-276	59	6	e	e	NOUN
faba-276	59	7	-	-	NOUN
faba-276	59	8	wallet	wallet	NOUN
faba-276	59	9	and	and	CCONJ
faba-276	59	10	mobile	mobile	ADJ
faba-276	59	11	payment	payment	NOUN
faba-276	59	12	industry	industry	NOUN
faba-276	59	13	in	in	ADP
faba-276	59	14	malaysia	malaysia	PROPN
faba-276	59	15	the	the	DET
faba-276	59	16	malaysian	malaysian	ADJ
faba-276	59	17	mobile	mobile	PROPN
faba-276	59	18	payment	payment	NOUN
faba-276	59	19	landscape	landscape	NOUN
faba-276	59	20	is	be	AUX
faba-276	59	21	serviced	service	VERB
faba-276	59	22	by	by	ADP
faba-276	59	23	banks	bank	NOUN
faba-276	59	24	and	and	CCONJ
faba-276	59	25	e	e	NOUN
faba-276	59	26	-	-	NOUN
faba-276	59	27	wallets	wallet	NOUN
faba-276	59	28	.	.	PUNCT
faba-276	60	1	malaysia	malaysia	PROPN
faba-276	60	2	has	have	VERB
faba-276	60	3	47	47	NUM
faba-276	60	4	non	non	ADJ
faba-276	60	5	-	-	ADJ
faba-276	60	6	bank	bank	ADJ
faba-276	60	7	e	e	NOUN
faba-276	60	8	-	-	NOUN
faba-276	60	9	money	money	NOUN
faba-276	60	10	issuers	issuer	NOUN
faba-276	60	11	(	(	PUNCT
faba-276	60	12	bank	bank	NOUN
faba-276	60	13	negara	negara	PROPN
faba-276	60	14	malaysia	malaysia	PROPN
faba-276	60	15	n.d.a	n.d.a	PROPN
faba-276	60	16	)	)	PUNCT
faba-276	60	17	where	where	SCONJ
faba-276	60	18	these	these	DET
faba-276	60	19	e	e	NOUN
faba-276	60	20	-	-	NOUN
faba-276	60	21	money	money	NOUN
faba-276	60	22	issuers	issuer	NOUN
faba-276	60	23	provide	provide	VERB
faba-276	60	24	either	either	CCONJ
faba-276	60	25	an	an	DET
faba-276	60	26	e	e	NOUN
faba-276	60	27	-	-	NOUN
faba-276	60	28	wallet	wallet	NOUN
faba-276	60	29	service	service	NOUN
faba-276	60	30	via	via	ADP
faba-276	60	31	their	their	PRON
faba-276	60	32	mobile	mobile	ADJ
faba-276	60	33	application	application	NOUN
faba-276	60	34	or	or	CCONJ
faba-276	60	35	via	via	ADP
faba-276	60	36	a	a	DET
faba-276	60	37	prepaid	prepaid	ADJ
faba-276	60	38	card	card	NOUN
faba-276	60	39	where	where	SCONJ
faba-276	60	40	the	the	DET
faba-276	60	41	card	card	NOUN
faba-276	60	42	functions	function	NOUN
faba-276	60	43	as	as	ADP
faba-276	60	44	a	a	DET
faba-276	60	45	store	store	NOUN
faba-276	60	46	of	of	ADP
faba-276	60	47	value	value	NOUN
faba-276	60	48	.	.	PUNCT
faba-276	61	1	since	since	SCONJ
faba-276	61	2	bnm	bnm	PROPN
faba-276	61	3	incorporated	incorporate	VERB
faba-276	61	4	all	all	DET
faba-276	61	5	payment	payment	NOUN
faba-276	61	6	players	player	NOUN
faba-276	61	7	through	through	ADP
faba-276	61	8	ictf	ictf	NOUN
faba-276	61	9	in	in	ADP
faba-276	61	10	2018	2018	NUM
faba-276	61	11	which	which	PRON
faba-276	61	12	is	be	AUX
faba-276	61	13	an	an	DET
faba-276	61	14	extension	extension	NOUN
faba-276	61	15	to	to	ADP
faba-276	61	16	the	the	DET
faba-276	61	17	financial	financial	ADJ
faba-276	61	18	sector	sector	NOUN
faba-276	61	19	blueprint	blueprint	NOUN
faba-276	61	20	2021	2021	NUM
faba-276	61	21	-	-	SYM
faba-276	61	22	2020	2020	NUM
faba-276	61	23	published	publish	VERB
faba-276	61	24	by	by	ADP
faba-276	61	25	bnm	bnm	PROPN
faba-276	61	26	to	to	PART
faba-276	61	27	further	far	ADV
faba-276	61	28	transform	transform	VERB
faba-276	61	29	the	the	DET
faba-276	61	30	malaysian	malaysian	ADJ
faba-276	61	31	financial	financial	ADJ
faba-276	61	32	and	and	CCONJ
faba-276	61	33	banking	banking	NOUN
faba-276	61	34	industry	industry	NOUN
faba-276	61	35	towards	towards	ADP
faba-276	61	36	incorporating	incorporate	VERB
faba-276	61	37	technologies	technology	NOUN
faba-276	61	38	that	that	PRON
faba-276	61	39	can	can	AUX
faba-276	61	40	increase	increase	VERB
faba-276	61	41	the	the	DET
faba-276	61	42	financial	financial	ADJ
faba-276	61	43	sectors	sector	NOUN
faba-276	61	44	’	'	PUNCT
faba-276	61	45	efficiency	efficiency	NOUN
faba-276	61	46	(	(	PUNCT
faba-276	61	47	mohamad	mohamad	X
faba-276	61	48	and	and	CCONJ
faba-276	61	49	kassim	kassim	PROPN
faba-276	61	50	2017	2017	NUM
faba-276	61	51	;	;	PUNCT
faba-276	61	52	norulhuda	norulhuda	PROPN
faba-276	61	53	et	et	PROPN
faba-276	61	54	al	al	PROPN
faba-276	61	55	.	.	PROPN
faba-276	61	56	2020	2020	NUM
faba-276	61	57	)	)	PUNCT
faba-276	61	58	,	,	PUNCT
faba-276	61	59	e	e	X
faba-276	61	60	-	-	NOUN
faba-276	61	61	wallets	wallet	NOUN
faba-276	61	62	are	be	AUX
faba-276	61	63	able	able	ADJ
faba-276	61	64	to	to	PART
faba-276	61	65	provide	provide	VERB
faba-276	61	66	a	a	DET
faba-276	61	67	more	more	ADV
faba-276	61	68	robust	robust	ADJ
faba-276	61	69	ecosystem	ecosystem	NOUN
faba-276	61	70	by	by	ADP
faba-276	61	71	payment	payment	NOUN
faba-276	61	72	services	service	NOUN
faba-276	61	73	similar	similar	ADJ
faba-276	61	74	to	to	ADP
faba-276	61	75	how	how	SCONJ
faba-276	61	76	banks	bank	NOUN
faba-276	61	77	would	would	AUX
faba-276	61	78	be	be	AUX
faba-276	61	79	able	able	ADJ
faba-276	61	80	to	to	PART
faba-276	61	81	provide	provide	VERB
faba-276	61	82	coupled	couple	VERB
faba-276	61	83	complementary	complementary	ADJ
faba-276	61	84	services	service	NOUN
faba-276	61	85	such	such	ADJ
faba-276	61	86	as	as	ADP
faba-276	61	87	food	food	NOUN
faba-276	61	88	ordering	ordering	NOUN
faba-276	61	89	which	which	PRON
faba-276	61	90	can	can	AUX
faba-276	61	91	be	be	AUX
faba-276	61	92	seen	see	VERB
faba-276	61	93	via	via	ADP
faba-276	61	94	the	the	DET
faba-276	61	95	grab	grab	NOUN
faba-276	61	96	mobile	mobile	ADJ
faba-276	61	97	application	application	NOUN
faba-276	61	98	.	.	PUNCT
faba-276	62	1	a	a	DET
faba-276	62	2	large	large	ADJ
faba-276	62	3	number	number	NOUN
faba-276	62	4	of	of	ADP
faba-276	62	5	banks	bank	NOUN
faba-276	62	6	and	and	CCONJ
faba-276	62	7	non	non	ADJ
faba-276	62	8	-	-	ADJ
faba-276	62	9	bank	bank	ADJ
faba-276	62	10	participants	participant	NOUN
faba-276	62	11	in	in	ADP
faba-276	62	12	the	the	DET
faba-276	62	13	malaysian	malaysian	ADJ
faba-276	62	14	payment	payment	NOUN
faba-276	62	15	systems	system	NOUN
faba-276	62	16	have	have	AUX
faba-276	62	17	contributed	contribute	VERB
faba-276	62	18	to	to	ADP
faba-276	62	19	the	the	DET
faba-276	62	20	growth	growth	NOUN
faba-276	62	21	of	of	ADP
faba-276	62	22	the	the	DET
faba-276	62	23	payment	payment	NOUN
faba-276	62	24	market	market	NOUN
faba-276	62	25	.	.	PUNCT
faba-276	63	1	in	in	ADP
faba-276	63	2	2020	2020	NUM
faba-276	63	3	,	,	PUNCT
faba-276	63	4	the	the	DET
faba-276	63	5	malaysian	malaysian	ADJ
faba-276	63	6	total	total	ADJ
faba-276	63	7	usage	usage	NOUN
faba-276	63	8	of	of	ADP
faba-276	63	9	e	e	NOUN
faba-276	63	10	-	-	NOUN
faba-276	63	11	payment	payment	NOUN
faba-276	63	12	services	service	NOUN
faba-276	63	13	increased	increase	VERB
faba-276	63	14	by	by	ADP
faba-276	63	15	rushaizzad	rushaizzad	PROPN
faba-276	63	16	a.rahim	a.rahim	PRON
faba-276	63	17	and	and	CCONJ
faba-276	63	18	jaizah	jaizah	VERB
faba-276	63	19	othman	othman	PROPN
faba-276	63	20	/	/	SYM
faba-276	63	21	finance	finance	NOUN
faba-276	63	22	,	,	PUNCT
faba-276	63	23	accounting	accounting	NOUN
faba-276	63	24	and	and	CCONJ
faba-276	63	25	business	business	NOUN
faba-276	63	26	analysis	analysis	NOUN
faba-276	63	27	,	,	PUNCT
faba-276	63	28	volume	volume	NOUN
faba-276	63	29	7	7	NUM
faba-276	63	30	issue	issue	NOUN
faba-276	63	31	2	2	NUM
faba-276	63	32	,	,	PUNCT
faba-276	63	33	2025	2025	NUM
faba-276	63	34	169	169	NUM
faba-276	63	35	14.5	14.5	NUM
faba-276	63	36	%	%	NOUN
faba-276	63	37	to	to	ADP
faba-276	63	38	5.5	5.5	NUM
faba-276	63	39	billion	billion	NUM
faba-276	63	40	transactions	transaction	NOUN
faba-276	63	41	as	as	SCONJ
faba-276	63	42	compared	compare	VERB
faba-276	63	43	to	to	ADP
faba-276	63	44	2019	2019	NUM
faba-276	63	45	.	.	PUNCT
faba-276	64	1	cashless	cashless	NOUN
faba-276	64	2	payment	payment	NOUN
faba-276	64	3	specific	specific	ADJ
faba-276	64	4	growth	growth	NOUN
faba-276	64	5	based	base	VERB
faba-276	64	6	on	on	ADP
faba-276	64	7	the	the	DET
faba-276	64	8	number	number	NOUN
faba-276	64	9	of	of	ADP
faba-276	64	10	transactions	transaction	NOUN
faba-276	64	11	specifically	specifically	ADV
faba-276	64	12	,	,	PUNCT
faba-276	64	13	increases	increase	NOUN
faba-276	64	14	by	by	ADP
faba-276	64	15	32.4	32.4	NUM
faba-276	64	16	%	%	NOUN
faba-276	64	17	while	while	SCONJ
faba-276	64	18	cash	cash	NOUN
faba-276	64	19	withdrawal	withdrawal	NOUN
faba-276	64	20	from	from	ADP
faba-276	64	21	atm	atm	NOUN
faba-276	64	22	decreases	decrease	NOUN
faba-276	64	23	by	by	ADP
faba-276	64	24	12	12	NUM
faba-276	64	25	%	%	NOUN
faba-276	64	26	in	in	ADP
faba-276	64	27	the	the	DET
faba-276	64	28	same	same	ADJ
faba-276	64	29	period	period	NOUN
faba-276	64	30	(	(	PUNCT
faba-276	64	31	bank	bank	NOUN
faba-276	64	32	negara	negara	PROPN
faba-276	64	33	malaysia	malaysia	PROPN
faba-276	64	34	2021	2021	NUM
faba-276	64	35	)	)	PUNCT
faba-276	64	36	which	which	PRON
faba-276	64	37	provide	provide	VERB
faba-276	64	38	an	an	DET
faba-276	64	39	early	early	ADJ
faba-276	64	40	indication	indication	NOUN
faba-276	64	41	to	to	ADP
faba-276	64	42	our	our	PRON
faba-276	64	43	research	research	NOUN
faba-276	64	44	that	that	SCONJ
faba-276	64	45	consumers	consumer	NOUN
faba-276	64	46	are	be	AUX
faba-276	64	47	shifting	shift	VERB
faba-276	64	48	from	from	ADP
faba-276	64	49	heavy	heavy	ADJ
faba-276	64	50	usage	usage	NOUN
faba-276	64	51	of	of	ADP
faba-276	64	52	cash	cash	NOUN
faba-276	64	53	to	to	ADP
faba-276	64	54	cashless	cashless	NOUN
faba-276	64	55	payments	payment	NOUN
faba-276	64	56	and	and	CCONJ
faba-276	64	57	specifically	specifically	ADV
faba-276	64	58	,	,	PUNCT
faba-276	64	59	shifting	shift	VERB
faba-276	64	60	consumers	consumer	NOUN
faba-276	64	61	behaviour	behaviour	NOUN
faba-276	64	62	to	to	ADP
faba-276	64	63	wider	wide	ADJ
faba-276	64	64	acceptance	acceptance	NOUN
faba-276	64	65	and	and	CCONJ
faba-276	64	66	usage	usage	NOUN
faba-276	64	67	of	of	ADP
faba-276	64	68	e	e	NOUN
faba-276	64	69	-	-	NOUN
faba-276	64	70	payments	payment	NOUN
faba-276	64	71	in	in	ADP
faba-276	64	72	their	their	PRON
faba-276	64	73	daily	daily	ADJ
faba-276	64	74	activities	activity	NOUN
faba-276	64	75	.	.	PUNCT
faba-276	65	1	despite	despite	SCONJ
faba-276	65	2	the	the	DET
faba-276	65	3	malaysian	malaysian	ADJ
faba-276	65	4	e	e	PROPN
faba-276	65	5	-	-	NOUN
faba-276	65	6	wallet	wallet	NOUN
faba-276	65	7	industry	industry	NOUN
faba-276	65	8	was	be	AUX
faba-276	65	9	further	far	ADV
faba-276	65	10	catapulted	catapult	VERB
faba-276	65	11	by	by	ADP
faba-276	65	12	maybank	maybank	PROPN
faba-276	65	13	in	in	ADP
faba-276	65	14	2016	2016	NUM
faba-276	65	15	when	when	SCONJ
faba-276	65	16	it	it	PRON
faba-276	65	17	introduced	introduce	VERB
faba-276	65	18	its	its	PRON
faba-276	65	19	payment	payment	NOUN
faba-276	65	20	services	service	NOUN
faba-276	65	21	via	via	ADP
faba-276	65	22	its	its	PRON
faba-276	65	23	mobile	mobile	ADJ
faba-276	65	24	banking	banking	NOUN
faba-276	65	25	application	application	NOUN
faba-276	65	26	that	that	PRON
faba-276	65	27	allows	allow	VERB
faba-276	65	28	customers	customer	NOUN
faba-276	65	29	to	to	PART
faba-276	65	30	make	make	VERB
faba-276	65	31	card	card	NOUN
faba-276	65	32	-	-	PUNCT
faba-276	65	33	based	base	VERB
faba-276	65	34	payments	payment	NOUN
faba-276	65	35	using	use	VERB
faba-276	65	36	mobile	mobile	ADJ
faba-276	65	37	phones	phone	NOUN
faba-276	65	38	,	,	PUNCT
faba-276	65	39	the	the	DET
faba-276	65	40	growth	growth	NOUN
faba-276	65	41	of	of	ADP
faba-276	65	42	cashless	cashless	NOUN
faba-276	65	43	payment	payment	NOUN
faba-276	65	44	is	be	AUX
faba-276	65	45	still	still	ADV
faba-276	65	46	being	be	AUX
faba-276	65	47	widely	widely	ADV
faba-276	65	48	regarded	regard	VERB
faba-276	65	49	to	to	PART
faba-276	65	50	be	be	AUX
faba-276	65	51	low	low	ADJ
faba-276	65	52	when	when	SCONJ
faba-276	65	53	compared	compare	VERB
faba-276	65	54	to	to	ADP
faba-276	65	55	the	the	DET
faba-276	65	56	country	country	NOUN
faba-276	65	57	’s	’s	PART
faba-276	65	58	mobile	mobile	ADJ
faba-276	65	59	telecommunications	telecommunication	NOUN
faba-276	65	60	proliferation	proliferation	NOUN
faba-276	65	61	(	(	PUNCT
faba-276	65	62	norulhuda	norulhuda	NOUN
faba-276	65	63	et	et	PROPN
faba-276	65	64	al	al	PROPN
faba-276	65	65	.	.	PROPN
faba-276	65	66	2020	2020	NUM
faba-276	65	67	)	)	PUNCT
faba-276	65	68	.	.	PUNCT
faba-276	66	1	in	in	ADP
faba-276	66	2	another	another	DET
faba-276	66	3	research	research	NOUN
faba-276	66	4	,	,	PUNCT
faba-276	66	5	ishak	ishak	PROPN
faba-276	66	6	(	(	PUNCT
faba-276	66	7	2020	2020	NUM
faba-276	66	8	)	)	PUNCT
faba-276	66	9	argued	argue	VERB
faba-276	66	10	that	that	SCONJ
faba-276	66	11	the	the	DET
faba-276	66	12	measurement	measurement	NOUN
faba-276	66	13	of	of	ADP
faba-276	66	14	cashless	cashless	NOUN
faba-276	66	15	adoption	adoption	NOUN
faba-276	66	16	on	on	ADP
faba-276	66	17	the	the	DET
faba-276	66	18	national	national	ADJ
faba-276	66	19	level	level	NOUN
faba-276	66	20	can	can	AUX
faba-276	66	21	be	be	AUX
faba-276	66	22	performed	perform	VERB
faba-276	66	23	using	use	VERB
faba-276	66	24	5	5	NUM
faba-276	66	25	criteria	criterion	NOUN
faba-276	66	26	which	which	PRON
faba-276	66	27	are	be	AUX
faba-276	66	28	(	(	PUNCT
faba-276	66	29	i	i	NOUN
faba-276	66	30	)	)	PUNCT
faba-276	66	31	number	number	NOUN
faba-276	66	32	of	of	ADP
faba-276	66	33	near	near	ADJ
faba-276	66	34	field	field	NOUN
faba-276	66	35	communication	communication	NOUN
faba-276	66	36	(	(	PUNCT
faba-276	66	37	nfc	nfc	NOUN
faba-276	66	38	)	)	PUNCT
faba-276	66	39	enabled	enable	VERB
faba-276	66	40	cards	card	NOUN
faba-276	66	41	being	be	AUX
faba-276	66	42	offered	offer	VERB
faba-276	66	43	,	,	PUNCT
faba-276	66	44	(	(	PUNCT
faba-276	66	45	ii	ii	NOUN
faba-276	66	46	)	)	PUNCT
faba-276	66	47	average	average	ADJ
faba-276	66	48	growth	growth	NOUN
faba-276	66	49	of	of	ADP
faba-276	66	50	cashless	cashless	NOUN
faba-276	66	51	payment	payment	NOUN
faba-276	66	52	,	,	PUNCT
faba-276	66	53	(	(	PUNCT
faba-276	66	54	iii	iii	X
faba-276	66	55	)	)	PUNCT
faba-276	66	56	volume	volume	NOUN
faba-276	66	57	of	of	ADP
faba-276	66	58	cashless	cashless	NOUN
faba-276	66	59	payment	payment	NOUN
faba-276	66	60	transactions	transaction	NOUN
faba-276	66	61	,	,	PUNCT
faba-276	66	62	(	(	PUNCT
faba-276	66	63	iv	iv	X
faba-276	66	64	)	)	PUNCT
faba-276	66	65	number	number	NOUN
faba-276	66	66	of	of	ADP
faba-276	66	67	card	card	NOUN
faba-276	66	68	-	-	PUNCT
faba-276	66	69	based	base	VERB
faba-276	66	70	products	product	NOUN
faba-276	66	71	holdings	holding	NOUN
faba-276	66	72	per	per	ADP
faba-276	66	73	capita	capita	NOUN
faba-276	66	74	and	and	CCONJ
faba-276	66	75	(	(	PUNCT
faba-276	66	76	v	v	NOUN
faba-276	66	77	)	)	PUNCT
faba-276	66	78	mobile	mobile	ADJ
faba-276	66	79	payment	payment	NOUN
faba-276	66	80	awareness	awareness	NOUN
faba-276	66	81	.	.	PUNCT
faba-276	67	1	in	in	ADP
faba-276	67	2	the	the	DET
faba-276	67	3	case	case	NOUN
faba-276	67	4	of	of	ADP
faba-276	67	5	malaysia	malaysia	PROPN
faba-276	67	6	,	,	PUNCT
faba-276	67	7	its	its	PRON
faba-276	67	8	cashless	cashless	NOUN
faba-276	67	9	payment	payment	NOUN
faba-276	67	10	industry	industry	NOUN
faba-276	67	11	has	have	VERB
faba-276	67	12	a	a	DET
faba-276	67	13	direct	direct	ADJ
faba-276	67	14	impact	impact	NOUN
faba-276	67	15	to	to	ADP
faba-276	67	16	2.6	2.6	NUM
faba-276	67	17	%	%	NOUN
faba-276	67	18	of	of	ADP
faba-276	67	19	its	its	PRON
faba-276	67	20	gdp	gdp	NOUN
faba-276	67	21	which	which	PRON
faba-276	67	22	is	be	AUX
faba-276	67	23	the	the	DET
faba-276	67	24	second	second	ADJ
faba-276	67	25	lowest	low	ADJ
faba-276	67	26	among	among	ADP
faba-276	67	27	developing	develop	VERB
faba-276	67	28	asian	asian	ADJ
faba-276	67	29	countries	country	NOUN
faba-276	67	30	(	(	PUNCT
faba-276	67	31	ishak	ishak	PROPN
faba-276	67	32	2020	2020	NUM
faba-276	67	33	)	)	PUNCT
faba-276	67	34	.	.	PUNCT
faba-276	68	1	however	however	ADV
faba-276	68	2	,	,	PUNCT
faba-276	68	3	the	the	DET
faba-276	68	4	utilization	utilization	NOUN
faba-276	68	5	of	of	ADP
faba-276	68	6	mobile	mobile	ADJ
faba-276	68	7	payment	payment	NOUN
faba-276	68	8	would	would	AUX
faba-276	68	9	be	be	AUX
faba-276	68	10	reliant	reliant	ADJ
faba-276	68	11	on	on	ADP
faba-276	68	12	the	the	DET
faba-276	68	13	hardware	hardware	NOUN
faba-276	68	14	used	use	VERB
faba-276	68	15	to	to	PART
faba-276	68	16	perform	perform	VERB
faba-276	68	17	such	such	ADJ
faba-276	68	18	payment	payment	NOUN
faba-276	68	19	and	and	CCONJ
faba-276	68	20	this	this	PRON
faba-276	68	21	would	would	AUX
faba-276	68	22	include	include	VERB
faba-276	68	23	the	the	DET
faba-276	68	24	use	use	NOUN
faba-276	68	25	of	of	ADP
faba-276	68	26	an	an	DET
faba-276	68	27	online	online	ADJ
faba-276	68	28	and	and	CCONJ
faba-276	68	29	mobile	mobile	ADJ
faba-276	68	30	banking	banking	NOUN
faba-276	68	31	application	application	NOUN
faba-276	68	32	or	or	CCONJ
faba-276	68	33	an	an	DET
faba-276	68	34	e	e	NOUN
faba-276	68	35	-	-	NOUN
faba-276	68	36	wallet	wallet	NOUN
faba-276	68	37	.	.	PUNCT
faba-276	69	1	the	the	DET
faba-276	69	2	method	method	NOUN
faba-276	69	3	of	of	ADP
faba-276	69	4	making	make	VERB
faba-276	69	5	a	a	DET
faba-276	69	6	payment	payment	NOUN
faba-276	69	7	via	via	ADP
faba-276	69	8	a	a	DET
faba-276	69	9	mobile	mobile	ADJ
faba-276	69	10	banking	banking	NOUN
faba-276	69	11	application	application	NOUN
faba-276	69	12	and	and	CCONJ
faba-276	69	13	an	an	DET
faba-276	69	14	e	e	NOUN
faba-276	69	15	-	-	NOUN
faba-276	69	16	wallet	wallet	NOUN
faba-276	69	17	would	would	AUX
faba-276	69	18	be	be	AUX
faba-276	69	19	very	very	ADV
faba-276	69	20	much	much	ADV
faba-276	69	21	the	the	DET
faba-276	69	22	same	same	ADJ
faba-276	69	23	as	as	SCONJ
faba-276	69	24	both	both	PRON
faba-276	69	25	would	would	AUX
faba-276	69	26	require	require	VERB
faba-276	69	27	the	the	DET
faba-276	69	28	use	use	NOUN
faba-276	69	29	of	of	ADP
faba-276	69	30	qr	qr	PROPN
faba-276	69	31	code	code	PROPN
faba-276	69	32	or	or	CCONJ
faba-276	69	33	the	the	DET
faba-276	69	34	use	use	NOUN
faba-276	69	35	of	of	ADP
faba-276	69	36	nfc	nfc	NOUN
faba-276	69	37	technology	technology	NOUN
faba-276	69	38	.	.	PUNCT
faba-276	70	1	the	the	DET
faba-276	70	2	online	online	ADJ
faba-276	70	3	purchase	purchase	NOUN
faba-276	70	4	would	would	AUX
faba-276	70	5	also	also	ADV
faba-276	70	6	need	need	VERB
faba-276	70	7	to	to	PART
faba-276	70	8	be	be	AUX
faba-276	70	9	taken	take	VERB
faba-276	70	10	into	into	ADP
faba-276	70	11	consideration	consideration	NOUN
faba-276	70	12	with	with	ADP
faba-276	70	13	the	the	DET
faba-276	70	14	very	very	ADJ
faba-276	70	15	mention	mention	NOUN
faba-276	70	16	of	of	ADP
faba-276	70	17	mobile	mobile	ADJ
faba-276	70	18	payment	payment	NOUN
faba-276	70	19	as	as	SCONJ
faba-276	70	20	online	online	ADJ
faba-276	70	21	purchases	purchase	NOUN
faba-276	70	22	are	be	AUX
faba-276	70	23	also	also	ADV
faba-276	70	24	made	make	VERB
faba-276	70	25	via	via	ADP
faba-276	70	26	mobile	mobile	NOUN
faba-276	70	27	.	.	PUNCT
faba-276	71	1	thus	thus	ADV
faba-276	71	2	,	,	PUNCT
faba-276	71	3	studies	study	NOUN
faba-276	71	4	on	on	ADP
faba-276	71	5	consumer	consumer	NOUN
faba-276	71	6	adoption	adoption	NOUN
faba-276	71	7	of	of	ADP
faba-276	71	8	online	online	ADJ
faba-276	71	9	and	and	CCONJ
faba-276	71	10	mobile	mobile	ADJ
faba-276	71	11	banking	banking	NOUN
faba-276	71	12	as	as	ADV
faba-276	71	13	well	well	ADV
faba-276	71	14	as	as	ADP
faba-276	71	15	e	e	NOUN
faba-276	71	16	-	-	NOUN
faba-276	71	17	wallets	wallet	NOUN
faba-276	71	18	will	will	AUX
faba-276	71	19	need	need	VERB
faba-276	71	20	to	to	PART
faba-276	71	21	be	be	AUX
faba-276	71	22	taken	take	VERB
faba-276	71	23	into	into	ADP
faba-276	71	24	consideration	consideration	NOUN
faba-276	71	25	for	for	SCONJ
faba-276	71	26	consumers	consumer	NOUN
faba-276	71	27	to	to	PART
faba-276	71	28	adopt	adopt	VERB
faba-276	71	29	mobile	mobile	ADJ
faba-276	71	30	payment	payment	NOUN
faba-276	71	31	.	.	PUNCT
faba-276	72	1	consumer	consumer	NOUN
faba-276	72	2	adoption	adoption	NOUN
faba-276	72	3	of	of	ADP
faba-276	72	4	online	online	ADJ
faba-276	72	5	and	and	CCONJ
faba-276	72	6	mobile	mobile	ADJ
faba-276	72	7	banking	banking	NOUN
faba-276	72	8	looking	look	VERB
faba-276	72	9	at	at	ADP
faba-276	72	10	the	the	DET
faba-276	72	11	various	various	ADJ
faba-276	72	12	studies	study	NOUN
faba-276	72	13	conducted	conduct	VERB
faba-276	72	14	on	on	ADP
faba-276	72	15	online	online	ADJ
faba-276	72	16	banking	banking	NOUN
faba-276	72	17	and	and	CCONJ
faba-276	72	18	mobile	mobile	ADJ
faba-276	72	19	banking	banking	NOUN
faba-276	72	20	applications	application	NOUN
faba-276	72	21	in	in	ADP
faba-276	72	22	malaysia	malaysia	PROPN
faba-276	72	23	,	,	PUNCT
faba-276	72	24	most	most	ADJ
faba-276	72	25	of	of	ADP
faba-276	72	26	which	which	PRON
faba-276	72	27	had	have	VERB
faba-276	72	28	the	the	DET
faba-276	72	29	tendency	tendency	NOUN
faba-276	72	30	to	to	PART
faba-276	72	31	adopt	adopt	VERB
faba-276	72	32	the	the	DET
faba-276	72	33	technology	technology	NOUN
faba-276	72	34	acceptance	acceptance	NOUN
faba-276	72	35	(	(	PUNCT
faba-276	72	36	tam	tam	PROPN
faba-276	72	37	)	)	PUNCT
faba-276	72	38	model	model	NOUN
faba-276	72	39	(	(	PUNCT
faba-276	72	40	davis	davis	PROPN
faba-276	72	41	,	,	PUNCT
faba-276	72	42	1989	1989	NUM
faba-276	72	43	)	)	PUNCT
faba-276	72	44	where	where	SCONJ
faba-276	72	45	peou	peou	ADV
faba-276	72	46	and	and	CCONJ
faba-276	72	47	pu	pu	PROPN
faba-276	72	48	are	be	AUX
faba-276	72	49	used	use	VERB
faba-276	72	50	as	as	ADP
faba-276	72	51	independent	independent	ADJ
faba-276	72	52	variables	variable	NOUN
faba-276	72	53	.	.	PUNCT
faba-276	73	1	these	these	DET
faba-276	73	2	studies	study	NOUN
faba-276	73	3	had	have	AUX
faba-276	73	4	extended	extend	VERB
faba-276	73	5	the	the	DET
faba-276	73	6	model	model	NOUN
faba-276	73	7	to	to	PART
faba-276	73	8	incorporate	incorporate	VERB
faba-276	73	9	other	other	ADJ
faba-276	73	10	variables	variable	NOUN
faba-276	73	11	such	such	ADJ
faba-276	73	12	as	as	ADP
faba-276	73	13	perceived	perceive	VERB
faba-276	73	14	trust	trust	NOUN
faba-276	73	15	(	(	PUNCT
faba-276	73	16	ahmad	ahmad	PROPN
faba-276	73	17	adzri	adzri	PROPN
faba-276	73	18	et	et	PROPN
faba-276	73	19	al	al	PROPN
faba-276	73	20	.	.	PROPN
faba-276	73	21	2019	2019	NUM
faba-276	73	22	)	)	PUNCT
faba-276	73	23	,	,	PUNCT
faba-276	73	24	perceived	perceive	VERB
faba-276	73	25	self	self	NOUN
faba-276	73	26	-	-	PUNCT
faba-276	73	27	efficacy	efficacy	NOUN
faba-276	73	28	and	and	CCONJ
faba-276	73	29	amount	amount	NOUN
faba-276	73	30	of	of	ADP
faba-276	73	31	information	information	NOUN
faba-276	73	32	(	(	PUNCT
faba-276	73	33	ahmad	ahmad	PROPN
faba-276	73	34	iqbal	iqbal	PROPN
faba-276	73	35	and	and	CCONJ
faba-276	73	36	mohd	mohd	PROPN
faba-276	73	37	shahrulnizam	shahrulnizam	VERB
faba-276	73	38	2018	2018	NUM
faba-276	73	39	)	)	PUNCT
faba-276	73	40	,	,	PUNCT
faba-276	73	41	perceived	perceive	VERB
faba-276	73	42	risk	risk	NOUN
faba-276	73	43	(	(	PUNCT
faba-276	73	44	lim	lim	PROPN
faba-276	73	45	et	et	PROPN
faba-276	73	46	al	al	PROPN
faba-276	73	47	.	.	PROPN
faba-276	73	48	2019	2019	NUM
faba-276	73	49	;	;	PUNCT
faba-276	73	50	owais	owais	PROPN
faba-276	73	51	2020	2020	NUM
faba-276	73	52	;	;	PUNCT
faba-276	73	53	syed	syed	PROPN
faba-276	73	54	et	et	PROPN
faba-276	73	55	al	al	PROPN
faba-276	73	56	.	.	PROPN
faba-276	73	57	2018	2018	NUM
faba-276	73	58	;	;	PUNCT
faba-276	73	59	zahoor	zahoor	PROPN
faba-276	73	60	and	and	CCONJ
faba-276	73	61	fazal	fazal	PROPN
faba-276	73	62	2020	2020	NUM
faba-276	73	63	)	)	PUNCT
faba-276	73	64	,	,	PUNCT
faba-276	73	65	customer	customer	NOUN
faba-276	73	66	attitude	attitude	NOUN
faba-276	73	67	(	(	PUNCT
faba-276	73	68	owais	owais	PROPN
faba-276	73	69	2020	2020	NUM
faba-276	73	70	;	;	PUNCT
faba-276	73	71	syed	syed	PROPN
faba-276	73	72	et	et	PROPN
faba-276	73	73	al	al	PROPN
faba-276	73	74	.	.	PROPN
faba-276	73	75	2018	2018	NUM
faba-276	73	76	)	)	PUNCT
faba-276	73	77	,	,	PUNCT
faba-276	73	78	compatibility	compatibility	NOUN
faba-276	73	79	,	,	PUNCT
faba-276	73	80	trialability	trialability	NOUN
faba-276	73	81	,	,	PUNCT
faba-276	73	82	perceived	perceive	VERB
faba-276	73	83	behaviour	behaviour	NOUN
faba-276	73	84	control	control	NOUN
faba-276	73	85	and	and	CCONJ
faba-276	73	86	social	social	ADJ
faba-276	73	87	norms	norm	NOUN
faba-276	73	88	(	(	PUNCT
faba-276	73	89	syed	syed	ADJ
faba-276	73	90	et	et	PROPN
faba-276	73	91	al	al	PROPN
faba-276	73	92	.	.	PROPN
faba-276	73	93	2018	2018	NUM
faba-276	73	94	)	)	PUNCT
faba-276	73	95	as	as	ADV
faba-276	73	96	well	well	ADV
faba-276	73	97	as	as	ADP
faba-276	73	98	social	social	ADJ
faba-276	73	99	influence	influence	NOUN
faba-276	73	100	,	,	PUNCT
faba-276	73	101	hedonic	hedonic	ADJ
faba-276	73	102	motivation	motivation	NOUN
faba-276	73	103	and	and	CCONJ
faba-276	73	104	perceived	perceive	VERB
faba-276	73	105	credibility	credibility	NOUN
faba-276	73	106	(	(	PUNCT
faba-276	73	107	syuhaili	syuhaili	NOUN
faba-276	73	108	and	and	CCONJ
faba-276	73	109	tan	tan	PROPN
faba-276	73	110	2020	2020	NUM
faba-276	73	111	)	)	PUNCT
faba-276	73	112	.	.	PUNCT
faba-276	74	1	internet	internet	NOUN
faba-276	74	2	banking	banking	NOUN
faba-276	74	3	and	and	CCONJ
faba-276	74	4	mobile	mobile	ADJ
faba-276	74	5	banking	banking	NOUN
faba-276	74	6	are	be	AUX
faba-276	74	7	constructs	construct	NOUN
faba-276	74	8	where	where	SCONJ
faba-276	74	9	banking	banking	NOUN
faba-276	74	10	services	service	NOUN
faba-276	74	11	are	be	AUX
faba-276	74	12	provided	provide	VERB
faba-276	74	13	without	without	ADP
faba-276	74	14	requiring	require	VERB
faba-276	74	15	consumers	consumer	NOUN
faba-276	74	16	from	from	ADP
faba-276	74	17	visiting	visit	VERB
faba-276	74	18	bank	bank	NOUN
faba-276	74	19	branches	branch	NOUN
faba-276	74	20	using	use	VERB
faba-276	74	21	a	a	DET
faba-276	74	22	web	web	NOUN
faba-276	74	23	browser	browser	NOUN
faba-276	74	24	or	or	CCONJ
faba-276	74	25	mobile	mobile	ADJ
faba-276	74	26	application	application	NOUN
faba-276	74	27	respectively	respectively	ADV
faba-276	74	28	.	.	PUNCT
faba-276	75	1	ahmad	ahmad	PROPN
faba-276	75	2	iqbal	iqbal	PROPN
faba-276	75	3	and	and	CCONJ
faba-276	75	4	mohd	mohd	PROPN
faba-276	75	5	shahrulnizam	shahrulnizam	PROPN
faba-276	75	6	(	(	PUNCT
faba-276	75	7	2018	2018	NUM
faba-276	75	8	)	)	PUNCT
faba-276	75	9	had	have	AUX
faba-276	75	10	studied	study	VERB
faba-276	75	11	on	on	ADP
faba-276	75	12	the	the	DET
faba-276	75	13	factors	factor	NOUN
faba-276	75	14	that	that	PRON
faba-276	75	15	would	would	AUX
faba-276	75	16	influence	influence	VERB
faba-276	75	17	gen	gen	PROPN
faba-276	75	18	y	y	PROPN
faba-276	75	19	in	in	ADP
faba-276	75	20	malaysia	malaysia	PROPN
faba-276	75	21	to	to	PART
faba-276	75	22	adopt	adopt	VERB
faba-276	75	23	mobile	mobile	ADJ
faba-276	75	24	banking	banking	NOUN
faba-276	75	25	using	use	VERB
faba-276	75	26	tam	tam	NOUN
faba-276	75	27	where	where	SCONJ
faba-276	75	28	four	four	NUM
faba-276	75	29	variables	variable	NOUN
faba-276	75	30	were	be	AUX
faba-276	75	31	studied	study	VERB
faba-276	75	32	which	which	PRON
faba-276	75	33	are	be	AUX
faba-276	75	34	peou	peou	ADV
faba-276	75	35	,	,	PUNCT
faba-276	75	36	pu	pu	PROPN
faba-276	75	37	,	,	PUNCT
faba-276	75	38	perceived	perceive	VERB
faba-276	75	39	selfefficacy	selfefficacy	NOUN
faba-276	75	40	,	,	PUNCT
faba-276	75	41	and	and	CCONJ
faba-276	75	42	amount	amount	NOUN
faba-276	75	43	of	of	ADP
faba-276	75	44	information	information	NOUN
faba-276	75	45	.	.	PUNCT
faba-276	76	1	the	the	DET
faba-276	76	2	results	result	NOUN
faba-276	76	3	can	can	AUX
faba-276	76	4	be	be	AUX
faba-276	76	5	deemed	deem	VERB
faba-276	76	6	as	as	ADP
faba-276	76	7	astonishing	astonishing	ADJ
faba-276	76	8	considering	consider	VERB
faba-276	76	9	that	that	SCONJ
faba-276	76	10	only	only	ADV
faba-276	76	11	the	the	DET
faba-276	76	12	peou	peou	NOUN
faba-276	76	13	and	and	CCONJ
faba-276	76	14	the	the	DET
faba-276	76	15	amount	amount	NOUN
faba-276	76	16	of	of	ADP
faba-276	76	17	information	information	NOUN
faba-276	76	18	have	have	AUX
faba-276	76	19	been	be	AUX
faba-276	76	20	identified	identify	VERB
faba-276	76	21	as	as	ADP
faba-276	76	22	the	the	DET
faba-276	76	23	influencing	influencing	NOUN
faba-276	76	24	variables	variable	NOUN
faba-276	76	25	.	.	PUNCT
faba-276	77	1	zahoor	zahoor	PROPN
faba-276	77	2	and	and	CCONJ
faba-276	77	3	fazal	fazal	PROPN
faba-276	77	4	(	(	PUNCT
faba-276	77	5	2020	2020	NUM
faba-276	77	6	)	)	PUNCT
faba-276	77	7	,	,	PUNCT
faba-276	77	8	who	who	PRON
faba-276	77	9	had	have	AUX
faba-276	77	10	studied	study	VERB
faba-276	77	11	gen	gen	PROPN
faba-276	77	12	y	y	PROPN
faba-276	77	13	as	as	ADV
faba-276	77	14	well	well	ADV
faba-276	77	15	had	have	AUX
faba-276	77	16	found	find	VERB
faba-276	77	17	differing	differ	VERB
faba-276	77	18	results	result	NOUN
faba-276	77	19	where	where	SCONJ
faba-276	77	20	pu	pu	PROPN
faba-276	77	21	,	,	PUNCT
faba-276	77	22	peou	peou	ADV
faba-276	77	23	and	and	CCONJ
faba-276	77	24	perceived	perceive	VERB
faba-276	77	25	risks	risk	NOUN
faba-276	77	26	which	which	PRON
faba-276	77	27	were	be	AUX
faba-276	77	28	introduced	introduce	VERB
faba-276	77	29	as	as	ADP
faba-276	77	30	an	an	DET
faba-276	77	31	extended	extended	ADJ
faba-276	77	32	variable	variable	NOUN
faba-276	77	33	would	would	AUX
faba-276	77	34	have	have	VERB
faba-276	77	35	an	an	DET
faba-276	77	36	impact	impact	NOUN
faba-276	77	37	on	on	ADP
faba-276	77	38	consumers	consumer	NOUN
faba-276	77	39	’	'	PUNCT
faba-276	77	40	behavioural	behavioural	ADJ
faba-276	77	41	intention	intention	NOUN
faba-276	77	42	to	to	PART
faba-276	77	43	adopt	adopt	VERB
faba-276	77	44	mobile	mobile	ADJ
faba-276	77	45	banking	banking	NOUN
faba-276	77	46	.	.	PUNCT
faba-276	78	1	owais	owais	PROPN
faba-276	78	2	(	(	PUNCT
faba-276	78	3	2020	2020	NUM
faba-276	78	4	)	)	PUNCT
faba-276	78	5	had	have	AUX
faba-276	78	6	added	add	VERB
faba-276	78	7	perceived	perceive	VERB
faba-276	78	8	risk	risk	NOUN
faba-276	78	9	and	and	CCONJ
faba-276	78	10	customer	customer	NOUN
faba-276	78	11	attitude	attitude	NOUN
faba-276	78	12	variables	variable	NOUN
faba-276	78	13	in	in	ADP
faba-276	78	14	a	a	DET
faba-276	78	15	similar	similar	ADJ
faba-276	78	16	study	study	NOUN
faba-276	78	17	but	but	CCONJ
faba-276	78	18	on	on	ADP
faba-276	78	19	internet	internet	NOUN
faba-276	78	20	banking	banking	NOUN
faba-276	78	21	and	and	CCONJ
faba-276	78	22	found	find	VERB
faba-276	78	23	that	that	SCONJ
faba-276	78	24	peou	peou	ADJ
faba-276	78	25	and	and	CCONJ
faba-276	78	26	customer	customer	NOUN
faba-276	78	27	attitude	attitude	NOUN
faba-276	78	28	to	to	PART
faba-276	78	29	have	have	VERB
faba-276	78	30	influential	influential	ADJ
faba-276	78	31	power	power	NOUN
faba-276	78	32	on	on	ADP
faba-276	78	33	the	the	DET
faba-276	78	34	adoption	adoption	NOUN
faba-276	78	35	of	of	ADP
faba-276	78	36	internet	internet	NOUN
faba-276	78	37	banking	banking	NOUN
faba-276	78	38	while	while	SCONJ
faba-276	78	39	the	the	DET
faba-276	78	40	pu	pu	PROPN
faba-276	78	41	was	be	AUX
faba-276	78	42	found	find	VERB
faba-276	78	43	to	to	PART
faba-276	78	44	not	not	PART
faba-276	78	45	have	have	VERB
faba-276	78	46	any	any	DET
faba-276	78	47	significant	significant	ADJ
faba-276	78	48	correlation	correlation	NOUN
faba-276	78	49	on	on	ADP
faba-276	78	50	the	the	DET
faba-276	78	51	contrary	contrary	NOUN
faba-276	78	52	,	,	PUNCT
faba-276	78	53	studies	study	NOUN
faba-276	78	54	conducted	conduct	VERB
faba-276	78	55	by	by	ADP
faba-276	78	56	lim	lim	PROPN
faba-276	78	57	,	,	PUNCT
faba-276	78	58	fakhrorazi	fakhrorazi	PROPN
faba-276	78	59	and	and	CCONJ
faba-276	78	60	rabiul	rabiul	ADJ
faba-276	78	61	(	(	PUNCT
faba-276	78	62	2019	2019	NUM
faba-276	78	63	)	)	PUNCT
faba-276	78	64	,	,	PUNCT
faba-276	78	65	syed	sye	VERB
faba-276	78	66	et	et	PROPN
faba-276	78	67	al	al	PROPN
faba-276	78	68	.	.	PROPN
faba-276	79	1	(	(	PUNCT
faba-276	79	2	2018	2018	NUM
faba-276	79	3	)	)	PUNCT
faba-276	79	4	,	,	PUNCT
faba-276	79	5	syuhaili	syuhaili	NOUN
faba-276	79	6	and	and	CCONJ
faba-276	79	7	tan	tan	PROPN
faba-276	79	8	(	(	PUNCT
faba-276	79	9	2020	2020	NUM
faba-276	79	10	)	)	PUNCT
faba-276	79	11	,	,	PUNCT
faba-276	79	12	and	and	CCONJ
faba-276	79	13	zahoor	zahoor	PROPN
faba-276	79	14	and	and	CCONJ
faba-276	79	15	fazal	fazal	PROPN
faba-276	79	16	(	(	PUNCT
faba-276	79	17	2020	2020	NUM
faba-276	79	18	)	)	PUNCT
faba-276	79	19	found	find	VERB
faba-276	79	20	pu	pu	PROPN
faba-276	79	21	as	as	ADP
faba-276	79	22	one	one	NUM
faba-276	79	23	of	of	ADP
faba-276	79	24	the	the	DET
faba-276	79	25	influencing	influence	VERB
faba-276	79	26	variables	variable	NOUN
faba-276	79	27	.	.	PUNCT
faba-276	80	1	lim	lim	PROPN
faba-276	80	2	,	,	PUNCT
faba-276	80	3	fakhrorazi	fakhrorazi	PROPN
faba-276	80	4	and	and	CCONJ
faba-276	80	5	rabiul	rabiul	ADJ
faba-276	80	6	(	(	PUNCT
faba-276	80	7	2019	2019	NUM
faba-276	80	8	)	)	PUNCT
faba-276	80	9	had	have	AUX
faba-276	80	10	also	also	ADV
faba-276	80	11	found	find	VERB
faba-276	80	12	that	that	SCONJ
faba-276	80	13	perceived	perceive	VERB
faba-276	80	14	risk	risk	NOUN
faba-276	80	15	as	as	ADP
faba-276	80	16	one	one	NUM
faba-276	80	17	of	of	ADP
faba-276	80	18	the	the	DET
faba-276	80	19	influencing	influence	VERB
faba-276	80	20	factors	factor	NOUN
faba-276	80	21	and	and	CCONJ
faba-276	80	22	peou	peou	ADV
faba-276	80	23	to	to	PART
faba-276	80	24	be	be	AUX
faba-276	80	25	the	the	DET
faba-276	80	26	most	most	ADV
faba-276	80	27	influential	influential	ADJ
faba-276	80	28	variable	variable	NOUN
faba-276	80	29	that	that	PRON
faba-276	80	30	would	would	AUX
faba-276	80	31	determine	determine	VERB
faba-276	80	32	consumer	consumer	NOUN
faba-276	80	33	adoption	adoption	NOUN
faba-276	80	34	of	of	ADP
faba-276	80	35	internet	internet	NOUN
faba-276	80	36	banking	banking	NOUN
faba-276	80	37	.	.	PUNCT
faba-276	81	1	syed	syed	PROPN
faba-276	81	2	et	et	PROPN
faba-276	81	3	al	al	PROPN
faba-276	81	4	.	.	PROPN
faba-276	82	1	(	(	PUNCT
faba-276	82	2	2018	2018	NUM
faba-276	82	3	)	)	PUNCT
faba-276	82	4	had	have	AUX
faba-276	82	5	extended	extend	VERB
faba-276	82	6	the	the	DET
faba-276	82	7	tam	tam	NOUN
faba-276	82	8	construct	construct	NOUN
faba-276	82	9	where	where	SCONJ
faba-276	82	10	it	it	PRON
faba-276	82	11	is	be	AUX
faba-276	82	12	fused	fuse	VERB
faba-276	82	13	with	with	ADP
faba-276	82	14	the	the	DET
faba-276	82	15	theory	theory	NOUN
faba-276	82	16	of	of	ADP
faba-276	82	17	planned	plan	VERB
faba-276	82	18	behaviour	behaviour	NOUN
faba-276	82	19	or	or	CCONJ
faba-276	82	20	tpb	tpb	NOUN
faba-276	82	21	,	,	PUNCT
faba-276	82	22	and	and	CCONJ
faba-276	82	23	the	the	DET
faba-276	82	24	theory	theory	NOUN
faba-276	82	25	of	of	ADP
faba-276	82	26	diffusion	diffusion	NOUN
faba-276	82	27	of	of	ADP
faba-276	82	28	innovation	innovation	NOUN
faba-276	82	29	or	or	CCONJ
faba-276	82	30	doi	doi	X
faba-276	82	31	(	(	PUNCT
faba-276	82	32	rogers	roger	NOUN
faba-276	82	33	1995	1995	NUM
faba-276	82	34	)	)	PUNCT
faba-276	82	35	.	.	PUNCT
faba-276	83	1	in	in	ADP
faba-276	83	2	the	the	DET
faba-276	83	3	study	study	NOUN
faba-276	83	4	conducted	conduct	VERB
faba-276	83	5	by	by	ADP
faba-276	83	6	syed	syed	PROPN
faba-276	83	7	et	et	PROPN
faba-276	83	8	al	al	PROPN
faba-276	83	9	.	.	PROPN
faba-276	84	1	(	(	PUNCT
faba-276	84	2	2018	2018	NUM
faba-276	84	3	)	)	PUNCT
faba-276	84	4	,	,	PUNCT
faba-276	84	5	it	it	PRON
faba-276	84	6	was	be	AUX
faba-276	84	7	found	find	VERB
faba-276	84	8	that	that	SCONJ
faba-276	84	9	peou	peou	ADV
faba-276	84	10	,	,	PUNCT
faba-276	84	11	relative	relative	ADJ
faba-276	84	12	advantage	advantage	NOUN
faba-276	84	13	,	,	PUNCT
faba-276	84	14	which	which	PRON
faba-276	84	15	is	be	AUX
faba-276	84	16	similar	similar	ADJ
faba-276	84	17	to	to	ADP
faba-276	84	18	pu	pu	PROPN
faba-276	84	19	,	,	PUNCT
faba-276	84	20	compatibility	compatibility	NOUN
faba-276	84	21	,	,	PUNCT
faba-276	84	22	trialability	trialability	NOUN
faba-276	84	23	,	,	PUNCT
faba-276	84	24	attitude	attitude	NOUN
faba-276	84	25	,	,	PUNCT
faba-276	84	26	perceived	perceive	VERB
faba-276	84	27	behaviour	behaviour	NOUN
faba-276	84	28	control	control	NOUN
faba-276	84	29	,	,	PUNCT
faba-276	84	30	social	social	ADJ
faba-276	84	31	norms	norm	NOUN
faba-276	84	32	and	and	CCONJ
faba-276	84	33	perceived	perceive	VERB
faba-276	84	34	risks	risk	NOUN
faba-276	84	35	to	to	PART
faba-276	84	36	have	have	VERB
faba-276	84	37	influence	influence	NOUN
faba-276	84	38	on	on	ADP
faba-276	84	39	consumers	consumer	NOUN
faba-276	84	40	’	’	PART
faba-276	84	41	adoption	adoption	NOUN
faba-276	84	42	of	of	ADP
faba-276	84	43	mobile	mobile	ADJ
faba-276	84	44	banking	banking	NOUN
faba-276	84	45	.	.	PUNCT
faba-276	85	1	syuhaili	syuhaili	NOUN
faba-276	85	2	and	and	CCONJ
faba-276	85	3	tan	tan	PROPN
faba-276	85	4	(	(	PUNCT
faba-276	85	5	2020	2020	NUM
faba-276	85	6	)	)	PUNCT
faba-276	85	7	supports	support	VERB
faba-276	85	8	the	the	DET
faba-276	85	9	variables	variable	NOUN
faba-276	85	10	of	of	ADP
faba-276	85	11	social	social	ADJ
faba-276	85	12	influence	influence	NOUN
faba-276	85	13	and	and	CCONJ
faba-276	85	14	attitude	attitude	NOUN
faba-276	85	15	in	in	ADP
faba-276	85	16	their	their	PRON
faba-276	85	17	study	study	NOUN
faba-276	85	18	while	while	SCONJ
faba-276	85	19	adding	add	VERB
faba-276	85	20	in	in	ADP
faba-276	85	21	hedonic	hedonic	ADJ
faba-276	85	22	motivation	motivation	NOUN
faba-276	85	23	and	and	CCONJ
faba-276	85	24	perceived	perceive	VERB
faba-276	85	25	credibility	credibility	NOUN
faba-276	85	26	which	which	PRON
faba-276	85	27	is	be	AUX
faba-276	85	28	another	another	DET
faba-276	85	29	way	way	NOUN
faba-276	85	30	to	to	PART
faba-276	85	31	indicate	indicate	VERB
faba-276	85	32	perceived	perceive	VERB
faba-276	85	33	risk	risk	NOUN
faba-276	85	34	as	as	ADP
faba-276	85	35	part	part	NOUN
faba-276	85	36	of	of	ADP
faba-276	85	37	the	the	DET
faba-276	85	38	extension	extension	NOUN
faba-276	85	39	to	to	PART
faba-276	85	40	tam	tam	VERB
faba-276	85	41	in	in	ADP
faba-276	85	42	their	their	PRON
faba-276	85	43	study	study	NOUN
faba-276	85	44	.	.	PUNCT
faba-276	86	1	their	their	PRON
faba-276	86	2	study	study	NOUN
faba-276	86	3	found	find	VERB
faba-276	86	4	that	that	SCONJ
faba-276	86	5	all	all	DET
faba-276	86	6	variables	variable	NOUN
faba-276	86	7	had	have	VERB
faba-276	86	8	influences	influence	NOUN
faba-276	86	9	over	over	ADP
faba-276	86	10	the	the	DET
faba-276	86	11	students	student	NOUN
faba-276	86	12	’	'	PUNCT
faba-276	86	13	behavioural	behavioural	ADJ
faba-276	86	14	intention	intention	NOUN
faba-276	86	15	to	to	PART
faba-276	86	16	adopt	adopt	VERB
faba-276	86	17	and	and	CCONJ
faba-276	86	18	use	use	VERB
faba-276	86	19	mobile	mobile	ADJ
faba-276	86	20	banking	banking	NOUN
faba-276	86	21	applications	application	NOUN
faba-276	86	22	.	.	PUNCT
faba-276	87	1	ahmad	ahmad	PROPN
faba-276	87	2	adzri	adzri	PROPN
faba-276	87	3	et	et	PROPN
faba-276	87	4	al	al	PROPN
faba-276	87	5	.	.	PROPN
faba-276	88	1	(	(	PUNCT
faba-276	88	2	2019	2019	NUM
faba-276	88	3	)	)	PUNCT
faba-276	88	4	instead	instead	ADV
faba-276	88	5	,	,	PUNCT
faba-276	88	6	had	have	AUX
faba-276	88	7	studied	study	VERB
faba-276	88	8	the	the	DET
faba-276	88	9	use	use	NOUN
faba-276	88	10	of	of	ADP
faba-276	88	11	tam	tam	NOUN
faba-276	88	12	in	in	ADP
faba-276	88	13	a	a	DET
faba-276	88	14	real	real	ADJ
faba-276	88	15	world	world	NOUN
faba-276	88	16	setting	set	VERB
faba-276	88	17	by	by	ADP
faba-276	88	18	performing	perform	VERB
faba-276	88	19	a	a	DET
faba-276	88	20	self	self	NOUN
faba-276	88	21	-	-	PUNCT
faba-276	88	22	administered	administer	VERB
faba-276	88	23	questionnaire	questionnaire	NOUN
faba-276	88	24	on	on	ADP
faba-276	88	25	rhb	rhb	PROPN
faba-276	88	26	mobile	mobile	ADJ
faba-276	88	27	banking	banking	NOUN
faba-276	88	28	users	user	NOUN
faba-276	88	29	.	.	PUNCT
faba-276	89	1	the	the	DET
faba-276	89	2	findings	finding	NOUN
faba-276	89	3	are	be	AUX
faba-276	89	4	consistent	consistent	ADJ
faba-276	89	5	with	with	ADP
faba-276	89	6	previous	previous	ADJ
faba-276	89	7	studies	study	NOUN
faba-276	89	8	where	where	SCONJ
faba-276	89	9	pu	pu	PROPN
faba-276	89	10	and	and	CCONJ
faba-276	89	11	peou	peou	PROPN
faba-276	89	12	are	be	AUX
faba-276	89	13	deemed	deem	VERB
faba-276	89	14	to	to	PART
faba-276	89	15	be	be	AUX
faba-276	89	16	rushaizzad	rushaizzad	VERB
faba-276	89	17	a.rahim	a.rahim	PRON
faba-276	89	18	and	and	CCONJ
faba-276	89	19	jaizah	jaizah	VERB
faba-276	89	20	othman	othman	PROPN
faba-276	89	21	/	/	SYM
faba-276	89	22	finance	finance	NOUN
faba-276	89	23	,	,	PUNCT
faba-276	89	24	accounting	accounting	NOUN
faba-276	89	25	and	and	CCONJ
faba-276	89	26	business	business	NOUN
faba-276	89	27	analysis	analysis	NOUN
faba-276	89	28	,	,	PUNCT
faba-276	89	29	volume	volume	NOUN
faba-276	89	30	7	7	NUM
faba-276	89	31	issue	issue	NOUN
faba-276	89	32	2	2	NUM
faba-276	89	33	,	,	PUNCT
faba-276	89	34	2025	2025	NUM
faba-276	89	35	170	170	NUM
faba-276	89	36	important	important	ADJ
faba-276	89	37	variables	variable	NOUN
faba-276	89	38	for	for	SCONJ
faba-276	89	39	users	user	NOUN
faba-276	89	40	to	to	PART
faba-276	89	41	adopt	adopt	VERB
faba-276	89	42	mobile	mobile	ADJ
faba-276	89	43	banking	banking	NOUN
faba-276	89	44	along	along	ADP
faba-276	89	45	with	with	ADP
faba-276	89	46	perceived	perceive	VERB
faba-276	89	47	trust	trust	NOUN
faba-276	89	48	which	which	PRON
faba-276	89	49	was	be	AUX
faba-276	89	50	added	add	VERB
faba-276	89	51	as	as	ADP
faba-276	89	52	an	an	DET
faba-276	89	53	extended	extended	ADJ
faba-276	89	54	key	key	NOUN
faba-276	89	55	construct	construct	NOUN
faba-276	89	56	to	to	ADP
faba-276	89	57	tam	tam	VERB
faba-276	89	58	in	in	ADP
faba-276	89	59	their	their	PRON
faba-276	89	60	study	study	NOUN
faba-276	89	61	.	.	PUNCT
faba-276	90	1	aside	aside	ADV
faba-276	90	2	from	from	ADP
faba-276	90	3	online	online	ADJ
faba-276	90	4	and	and	CCONJ
faba-276	90	5	mobile	mobile	ADJ
faba-276	90	6	banking	banking	NOUN
faba-276	90	7	,	,	PUNCT
faba-276	90	8	digital	digital	ADJ
faba-276	90	9	banks	bank	NOUN
faba-276	90	10	are	be	AUX
faba-276	90	11	expected	expect	VERB
faba-276	90	12	to	to	PART
faba-276	90	13	incur	incur	VERB
faba-276	90	14	extreme	extreme	ADJ
faba-276	90	15	levels	level	NOUN
faba-276	90	16	of	of	ADP
faba-276	90	17	pressure	pressure	NOUN
faba-276	90	18	and	and	CCONJ
faba-276	90	19	competition	competition	NOUN
faba-276	90	20	within	within	ADP
faba-276	90	21	the	the	DET
faba-276	90	22	financial	financial	ADJ
faba-276	90	23	services	service	NOUN
faba-276	90	24	industry	industry	NOUN
faba-276	90	25	where	where	SCONJ
faba-276	90	26	recent	recent	ADJ
faba-276	90	27	studies	study	NOUN
faba-276	90	28	conducted	conduct	VERB
faba-276	90	29	in	in	ADP
faba-276	90	30	vietnam	vietnam	PROPN
faba-276	90	31	(	(	PUNCT
faba-276	90	32	nguyen	nguyen	NOUN
faba-276	90	33	2020	2020	NUM
faba-276	90	34	)	)	PUNCT
faba-276	90	35	and	and	CCONJ
faba-276	90	36	indonesia	indonesia	PROPN
faba-276	90	37	(	(	PUNCT
faba-276	90	38	kusumawati	kusumawati	PROPN
faba-276	90	39	and	and	CCONJ
faba-276	90	40	rinaldi	rinaldi	PROPN
faba-276	90	41	2020	2020	NUM
faba-276	90	42	)	)	PUNCT
faba-276	90	43	found	find	VERB
faba-276	90	44	that	that	SCONJ
faba-276	90	45	the	the	DET
faba-276	90	46	adoption	adoption	NOUN
faba-276	90	47	of	of	ADP
faba-276	90	48	digital	digital	ADJ
faba-276	90	49	banking	banking	NOUN
faba-276	90	50	by	by	ADP
faba-276	90	51	consumers	consumer	NOUN
faba-276	90	52	are	be	AUX
faba-276	90	53	driven	drive	VERB
faba-276	90	54	among	among	ADP
faba-276	90	55	others	other	NOUN
faba-276	90	56	by	by	ADP
faba-276	90	57	the	the	DET
faba-276	90	58	pu	pu	PROPN
faba-276	90	59	and	and	CCONJ
faba-276	90	60	trust	trust	NOUN
faba-276	90	61	of	of	ADP
faba-276	90	62	the	the	DET
faba-276	90	63	digital	digital	ADJ
faba-276	90	64	banking	banking	NOUN
faba-276	90	65	application	application	NOUN
faba-276	90	66	.	.	PUNCT
faba-276	91	1	in	in	ADP
faba-276	91	2	malaysia	malaysia	PROPN
faba-276	91	3	,	,	PUNCT
faba-276	91	4	a	a	DET
faba-276	91	5	similar	similar	ADJ
faba-276	91	6	study	study	NOUN
faba-276	91	7	was	be	AUX
faba-276	91	8	conducted	conduct	VERB
faba-276	91	9	prior	prior	ADV
faba-276	91	10	to	to	ADP
faba-276	91	11	the	the	DET
faba-276	91	12	issuance	issuance	NOUN
faba-276	91	13	of	of	ADP
faba-276	91	14	the	the	DET
faba-276	91	15	digital	digital	ADJ
faba-276	91	16	bank	bank	NOUN
faba-276	91	17	license	license	NOUN
faba-276	91	18	by	by	ADP
faba-276	91	19	bnm	bnm	PROPN
faba-276	91	20	where	where	SCONJ
faba-276	91	21	it	it	PRON
faba-276	91	22	was	be	AUX
faba-276	91	23	found	find	VERB
faba-276	91	24	that	that	SCONJ
faba-276	91	25	peou	peou	ADV
faba-276	91	26	is	be	AUX
faba-276	91	27	the	the	DET
faba-276	91	28	main	main	ADJ
faba-276	91	29	influencing	influence	VERB
faba-276	91	30	factor	factor	NOUN
faba-276	91	31	towards	towards	ADP
faba-276	91	32	the	the	DET
faba-276	91	33	adoption	adoption	NOUN
faba-276	91	34	of	of	ADP
faba-276	91	35	digital	digital	PROPN
faba-276	91	36	bank	bank	PROPN
faba-276	91	37	in	in	ADP
faba-276	91	38	malaysia	malaysia	PROPN
faba-276	91	39	(	(	PUNCT
faba-276	91	40	tiong	tiong	PROPN
faba-276	91	41	2020	2020	NUM
faba-276	91	42	)	)	PUNCT
faba-276	91	43	.	.	PUNCT
faba-276	92	1	these	these	DET
faba-276	92	2	two	two	NUM
faba-276	92	3	factors	factor	NOUN
faba-276	92	4	will	will	AUX
faba-276	92	5	help	help	VERB
faba-276	92	6	build	build	VERB
faba-276	92	7	the	the	DET
faba-276	92	8	foundation	foundation	NOUN
faba-276	92	9	for	for	ADP
faba-276	92	10	a	a	DET
faba-276	92	11	potential	potential	ADJ
faba-276	92	12	customer	customer	NOUN
faba-276	92	13	’s	’s	PART
faba-276	92	14	interest	interest	NOUN
faba-276	92	15	in	in	ADP
faba-276	92	16	using	use	VERB
faba-276	92	17	the	the	DET
faba-276	92	18	application	application	NOUN
faba-276	92	19	and	and	CCONJ
faba-276	92	20	set	set	VERB
faba-276	92	21	a	a	DET
faba-276	92	22	certain	certain	ADJ
faba-276	92	23	expectancy	expectancy	NOUN
faba-276	92	24	on	on	ADP
faba-276	92	25	the	the	DET
faba-276	92	26	performance	performance	NOUN
faba-276	92	27	and	and	CCONJ
faba-276	92	28	benefits	benefit	NOUN
faba-276	92	29	.	.	PUNCT
faba-276	93	1	pu	pu	PROPN
faba-276	93	2	,	,	PUNCT
faba-276	93	3	on	on	ADP
faba-276	93	4	the	the	DET
faba-276	93	5	other	other	ADJ
faba-276	93	6	hand	hand	NOUN
faba-276	93	7	,	,	PUNCT
faba-276	93	8	may	may	AUX
faba-276	93	9	be	be	AUX
faba-276	93	10	driven	drive	VERB
faba-276	93	11	by	by	ADP
faba-276	93	12	the	the	DET
faba-276	93	13	fact	fact	NOUN
faba-276	93	14	that	that	SCONJ
faba-276	93	15	digital	digital	ADJ
faba-276	93	16	banks	bank	NOUN
faba-276	93	17	are	be	AUX
faba-276	93	18	mostly	mostly	ADV
faba-276	93	19	formed	form	VERB
faba-276	93	20	either	either	CCONJ
faba-276	93	21	through	through	ADP
faba-276	93	22	a	a	DET
faba-276	93	23	consortium	consortium	NOUN
faba-276	93	24	of	of	ADP
faba-276	93	25	multiple	multiple	ADJ
faba-276	93	26	businesses	business	NOUN
faba-276	93	27	which	which	PRON
faba-276	93	28	is	be	AUX
faba-276	93	29	seen	see	VERB
faba-276	93	30	from	from	ADP
faba-276	93	31	the	the	DET
faba-276	93	32	grab	grab	NOUN
faba-276	93	33	-	-	PUNCT
faba-276	93	34	singtel	singtel	NOUN
faba-276	93	35	partnership	partnership	NOUN
faba-276	93	36	in	in	ADP
faba-276	93	37	singapore	singapore	PROPN
faba-276	93	38	.	.	PUNCT
faba-276	94	1	consumer	consumer	NOUN
faba-276	94	2	adoption	adoption	NOUN
faba-276	94	3	of	of	ADP
faba-276	94	4	e	e	NOUN
faba-276	94	5	-	-	NOUN
faba-276	94	6	wallets	wallet	NOUN
faba-276	94	7	and	and	CCONJ
faba-276	94	8	mobile	mobile	ADJ
faba-276	94	9	payment	payment	NOUN
faba-276	94	10	there	there	PRON
faba-276	94	11	has	have	AUX
faba-276	94	12	been	be	AUX
faba-276	94	13	various	various	ADJ
faba-276	94	14	research	research	NOUN
faba-276	94	15	conducted	conduct	VERB
faba-276	94	16	which	which	PRON
faba-276	94	17	examined	examine	VERB
faba-276	94	18	the	the	DET
faba-276	94	19	acceptance	acceptance	NOUN
faba-276	94	20	of	of	ADP
faba-276	94	21	e	e	NOUN
faba-276	94	22	-	-	NOUN
faba-276	94	23	wallets	wallet	NOUN
faba-276	94	24	,	,	PUNCT
faba-276	94	25	focusing	focus	VERB
faba-276	94	26	on	on	ADP
faba-276	94	27	demographics	demographic	NOUN
faba-276	94	28	specifically	specifically	ADV
faba-276	94	29	in	in	ADP
faba-276	94	30	asia	asia	PROPN
faba-276	94	31	which	which	PRON
faba-276	94	32	could	could	AUX
faba-276	94	33	have	have	VERB
faba-276	94	34	similarities	similarity	NOUN
faba-276	94	35	to	to	ADP
faba-276	94	36	malaysia	malaysia	PROPN
faba-276	94	37	.	.	PUNCT
faba-276	95	1	trivedi	trivedi	PROPN
faba-276	95	2	(	(	PUNCT
faba-276	95	3	2016	2016	NUM
faba-276	95	4	)	)	PUNCT
faba-276	95	5	and	and	CCONJ
faba-276	95	6	phuong	phuong	PROPN
faba-276	95	7	et	et	PROPN
faba-276	95	8	al	al	PROPN
faba-276	95	9	.	.	PROPN
faba-276	95	10	(	(	PUNCT
faba-276	95	11	2020	2020	NUM
faba-276	95	12	)	)	PUNCT
faba-276	95	13	studied	study	VERB
faba-276	95	14	on	on	ADP
faba-276	95	15	factors	factor	NOUN
faba-276	95	16	which	which	PRON
faba-276	95	17	affected	affect	VERB
faba-276	95	18	the	the	DET
faba-276	95	19	acceptance	acceptance	NOUN
faba-276	95	20	of	of	ADP
faba-276	95	21	e	e	NOUN
faba-276	95	22	-	-	NOUN
faba-276	95	23	wallets	wallet	NOUN
faba-276	95	24	among	among	ADP
faba-276	95	25	gen	gen	PROPN
faba-276	95	26	y	y	PROPN
faba-276	95	27	in	in	ADP
faba-276	95	28	india	india	PROPN
faba-276	95	29	and	and	CCONJ
faba-276	95	30	vietnam	vietnam	PROPN
faba-276	95	31	respectively	respectively	ADV
faba-276	95	32	with	with	ADP
faba-276	95	33	both	both	DET
faba-276	95	34	studies	study	NOUN
faba-276	95	35	found	find	VERB
faba-276	95	36	that	that	SCONJ
faba-276	95	37	peou	peou	PROPN
faba-276	95	38	and	and	CCONJ
faba-276	95	39	pu	pu	PROPN
faba-276	95	40	to	to	PART
faba-276	95	41	be	be	AUX
faba-276	95	42	the	the	DET
faba-276	95	43	most	most	ADV
faba-276	95	44	critical	critical	ADJ
faba-276	95	45	factors	factor	NOUN
faba-276	95	46	towards	towards	ADP
faba-276	95	47	e	e	NOUN
faba-276	95	48	-	-	NOUN
faba-276	95	49	wallet	wallet	NOUN
faba-276	95	50	acceptance	acceptance	NOUN
faba-276	95	51	.	.	PUNCT
faba-276	96	1	in	in	ADP
faba-276	96	2	addition	addition	NOUN
faba-276	96	3	,	,	PUNCT
faba-276	96	4	phuong	phuong	PROPN
faba-276	96	5	et	et	PROPN
faba-276	96	6	al	al	PROPN
faba-276	96	7	.	.	PROPN
faba-276	96	8	(	(	PUNCT
faba-276	96	9	2020	2020	NUM
faba-276	96	10	)	)	PUNCT
faba-276	96	11	had	have	AUX
faba-276	96	12	highlighted	highlight	VERB
faba-276	96	13	the	the	DET
faba-276	96	14	use	use	NOUN
faba-276	96	15	of	of	ADP
faba-276	96	16	advertisements	advertisement	NOUN
faba-276	96	17	,	,	PUNCT
faba-276	96	18	quality	quality	NOUN
faba-276	96	19	of	of	ADP
faba-276	96	20	the	the	DET
faba-276	96	21	mobile	mobile	ADJ
faba-276	96	22	application	application	NOUN
faba-276	96	23	and	and	CCONJ
faba-276	96	24	the	the	DET
faba-276	96	25	underlying	underlie	VERB
faba-276	96	26	security	security	NOUN
faba-276	96	27	to	to	PART
faba-276	96	28	be	be	AUX
faba-276	96	29	key	key	ADJ
faba-276	96	30	factors	factor	NOUN
faba-276	96	31	to	to	PART
faba-276	96	32	be	be	AUX
faba-276	96	33	considered	consider	VERB
faba-276	96	34	as	as	ADV
faba-276	96	35	well	well	ADV
faba-276	96	36	.	.	PUNCT
faba-276	97	1	a	a	DET
faba-276	97	2	good	good	ADJ
faba-276	97	3	mobile	mobile	ADJ
faba-276	97	4	application	application	NOUN
faba-276	97	5	will	will	AUX
faba-276	97	6	increase	increase	VERB
faba-276	97	7	peou	peou	ADV
faba-276	97	8	,	,	PUNCT
faba-276	97	9	while	while	SCONJ
faba-276	97	10	security	security	NOUN
faba-276	97	11	builds	build	VERB
faba-276	97	12	trust	trust	NOUN
faba-276	97	13	in	in	ADP
faba-276	97	14	customers	customer	NOUN
faba-276	97	15	towards	towards	ADP
faba-276	97	16	the	the	DET
faba-276	97	17	e	e	NOUN
faba-276	97	18	-	-	NOUN
faba-276	97	19	wallet	wallet	NOUN
faba-276	97	20	service	service	NOUN
faba-276	97	21	.	.	PUNCT
faba-276	98	1	the	the	DET
faba-276	98	2	security	security	NOUN
faba-276	98	3	component	component	NOUN
faba-276	98	4	was	be	AUX
faba-276	98	5	also	also	ADV
faba-276	98	6	found	find	VERB
faba-276	98	7	to	to	PART
faba-276	98	8	be	be	AUX
faba-276	98	9	a	a	DET
faba-276	98	10	contributing	contribute	VERB
faba-276	98	11	variable	variable	NOUN
faba-276	98	12	based	base	VERB
faba-276	98	13	on	on	ADP
faba-276	98	14	a	a	DET
faba-276	98	15	study	study	NOUN
faba-276	98	16	conducted	conduct	VERB
faba-276	98	17	in	in	ADP
faba-276	98	18	thailand	thailand	PROPN
faba-276	98	19	(	(	PUNCT
faba-276	98	20	intarot	intarot	NOUN
faba-276	98	21	and	and	CCONJ
faba-276	98	22	beokhaimook	beokhaimook	NOUN
faba-276	98	23	2018	2018	NUM
faba-276	98	24	)	)	PUNCT
faba-276	98	25	.	.	PUNCT
faba-276	99	1	in	in	ADP
faba-276	99	2	malaysia	malaysia	PROPN
faba-276	99	3	,	,	PUNCT
faba-276	99	4	several	several	ADJ
faba-276	99	5	studies	study	NOUN
faba-276	99	6	have	have	AUX
faba-276	99	7	been	be	AUX
faba-276	99	8	conducted	conduct	VERB
faba-276	99	9	on	on	ADP
faba-276	99	10	the	the	DET
faba-276	99	11	adoption	adoption	NOUN
faba-276	99	12	of	of	ADP
faba-276	99	13	e	e	NOUN
faba-276	99	14	-	-	NOUN
faba-276	99	15	wallets	wallet	NOUN
faba-276	99	16	with	with	ADP
faba-276	99	17	mostly	mostly	ADV
faba-276	99	18	opting	opt	VERB
faba-276	99	19	for	for	ADP
faba-276	99	20	tam	tam	NOUN
faba-276	99	21	as	as	ADP
faba-276	99	22	the	the	DET
faba-276	99	23	common	common	ADJ
faba-276	99	24	model	model	NOUN
faba-276	99	25	used	use	VERB
faba-276	99	26	to	to	PART
faba-276	99	27	provide	provide	VERB
faba-276	99	28	a	a	DET
faba-276	99	29	better	well	ADJ
faba-276	99	30	understanding	understanding	NOUN
faba-276	99	31	of	of	ADP
faba-276	99	32	a	a	DET
faba-276	99	33	user	user	NOUN
faba-276	99	34	’s	’s	PART
faba-276	99	35	intention	intention	NOUN
faba-276	99	36	of	of	ADP
faba-276	99	37	using	use	VERB
faba-276	99	38	the	the	DET
faba-276	99	39	new	new	ADJ
faba-276	99	40	technology	technology	NOUN
faba-276	99	41	.	.	PUNCT
faba-276	100	1	one	one	NUM
faba-276	100	2	of	of	ADP
faba-276	100	3	the	the	DET
faba-276	100	4	studies	study	NOUN
faba-276	100	5	in	in	ADP
faba-276	100	6	malaysia	malaysia	PROPN
faba-276	100	7	(	(	PUNCT
faba-276	100	8	teoh	teoh	PROPN
faba-276	100	9	et	et	PROPN
faba-276	100	10	al	al	PROPN
faba-276	100	11	.	.	PROPN
faba-276	100	12	2020	2020	NUM
faba-276	100	13	)	)	PUNCT
faba-276	100	14	found	find	VERB
faba-276	100	15	that	that	SCONJ
faba-276	100	16	perceived	perceive	VERB
faba-276	100	17	expectation	expectation	NOUN
faba-276	100	18	,	,	PUNCT
faba-276	100	19	effort	effort	NOUN
faba-276	100	20	expectation	expectation	NOUN
faba-276	100	21	and	and	CCONJ
faba-276	100	22	social	social	ADJ
faba-276	100	23	influence	influence	NOUN
faba-276	100	24	to	to	PART
faba-276	100	25	be	be	AUX
faba-276	100	26	the	the	DET
faba-276	100	27	determinants	determinant	NOUN
faba-276	100	28	to	to	ADP
faba-276	100	29	customers	customer	NOUN
faba-276	100	30	’	'	PUNCT
faba-276	100	31	intention	intention	NOUN
faba-276	100	32	of	of	ADP
faba-276	100	33	using	use	VERB
faba-276	100	34	an	an	DET
faba-276	100	35	e	e	NOUN
faba-276	100	36	-	-	NOUN
faba-276	100	37	wallet	wallet	NOUN
faba-276	100	38	.	.	PUNCT
faba-276	101	1	however	however	ADV
faba-276	101	2	,	,	PUNCT
faba-276	101	3	the	the	DET
faba-276	101	4	study	study	NOUN
faba-276	101	5	also	also	ADV
faba-276	101	6	found	find	VERB
faba-276	101	7	that	that	SCONJ
faba-276	101	8	the	the	DET
faba-276	101	9	frequency	frequency	NOUN
faba-276	101	10	and	and	CCONJ
faba-276	101	11	transaction	transaction	NOUN
faba-276	101	12	of	of	ADP
faba-276	101	13	usage	usage	NOUN
faba-276	101	14	is	be	AUX
faba-276	101	15	relatively	relatively	ADV
faba-276	101	16	low	low	ADJ
faba-276	101	17	which	which	PRON
faba-276	101	18	would	would	AUX
faba-276	101	19	point	point	VERB
faba-276	101	20	to	to	ADP
faba-276	101	21	the	the	DET
faba-276	101	22	fact	fact	NOUN
faba-276	101	23	that	that	SCONJ
faba-276	101	24	users	user	NOUN
faba-276	101	25	are	be	AUX
faba-276	101	26	not	not	PART
faba-276	101	27	adopting	adopt	VERB
faba-276	101	28	e	e	NOUN
faba-276	101	29	-	-	NOUN
faba-276	101	30	wallets	wallet	NOUN
faba-276	101	31	as	as	ADP
faba-276	101	32	their	their	PRON
faba-276	101	33	main	main	ADJ
faba-276	101	34	method	method	NOUN
faba-276	101	35	of	of	ADP
faba-276	101	36	making	make	VERB
faba-276	101	37	payment	payment	NOUN
faba-276	101	38	despite	despite	SCONJ
faba-276	101	39	having	having	AUX
faba-276	101	40	used	use	VERB
faba-276	101	41	e	e	NOUN
faba-276	101	42	-	-	NOUN
faba-276	101	43	wallets	wallet	NOUN
faba-276	101	44	before	before	ADV
faba-276	101	45	.	.	PUNCT
faba-276	102	1	another	another	DET
faba-276	102	2	study	study	NOUN
faba-276	102	3	conducted	conduct	VERB
faba-276	102	4	(	(	PUNCT
faba-276	102	5	karim	karim	PROPN
faba-276	102	6	et	et	PROPN
faba-276	102	7	al	al	PROPN
faba-276	102	8	.	.	PROPN
faba-276	102	9	2020	2020	NUM
faba-276	102	10	)	)	PUNCT
faba-276	102	11	was	be	AUX
faba-276	102	12	specifically	specifically	ADV
faba-276	102	13	studying	study	VERB
faba-276	102	14	the	the	DET
faba-276	102	15	young	young	ADJ
faba-276	102	16	adult	adult	NOUN
faba-276	102	17	group	group	NOUN
faba-276	102	18	on	on	ADP
faba-276	102	19	their	their	PRON
faba-276	102	20	adoption	adoption	NOUN
faba-276	102	21	of	of	ADP
faba-276	102	22	ewallets	ewallet	NOUN
faba-276	102	23	which	which	PRON
faba-276	102	24	identified	identify	VERB
faba-276	102	25	pu	pu	PROPN
faba-276	102	26	,	,	PUNCT
faba-276	102	27	peou	peou	ADV
faba-276	102	28	,	,	PUNCT
faba-276	102	29	privacy	privacy	NOUN
faba-276	102	30	and	and	CCONJ
faba-276	102	31	security	security	NOUN
faba-276	102	32	as	as	ADP
faba-276	102	33	influencing	influence	VERB
faba-276	102	34	variables	variable	NOUN
faba-276	102	35	.	.	PUNCT
faba-276	103	1	norulhuda	norulhuda	PROPN
faba-276	103	2	et	et	PROPN
faba-276	103	3	al	al	PROPN
faba-276	103	4	.	.	PROPN
faba-276	103	5	(	(	PUNCT
faba-276	103	6	2020	2020	NUM
faba-276	103	7	)	)	PUNCT
faba-276	103	8	had	have	AUX
faba-276	103	9	studied	study	VERB
faba-276	103	10	the	the	DET
faba-276	103	11	factors	factor	NOUN
faba-276	103	12	that	that	PRON
faba-276	103	13	influence	influence	VERB
faba-276	103	14	user	user	NOUN
faba-276	103	15	acceptance	acceptance	NOUN
faba-276	103	16	towards	towards	ADP
faba-276	103	17	cashless	cashless	NOUN
faba-276	103	18	society	society	NOUN
faba-276	103	19	and	and	CCONJ
faba-276	103	20	angled	angle	VERB
faba-276	103	21	the	the	DET
faba-276	103	22	study	study	NOUN
faba-276	103	23	to	to	PART
faba-276	103	24	scope	scope	VERB
faba-276	103	25	it	it	PRON
faba-276	103	26	to	to	ADP
faba-276	103	27	public	public	ADJ
faba-276	103	28	universities	university	NOUN
faba-276	103	29	.	.	PUNCT
faba-276	104	1	it	it	PRON
faba-276	104	2	was	be	AUX
faba-276	104	3	found	find	VERB
faba-276	104	4	in	in	ADP
faba-276	104	5	the	the	DET
faba-276	104	6	study	study	NOUN
faba-276	104	7	that	that	SCONJ
faba-276	104	8	performance	performance	NOUN
faba-276	104	9	expectancy	expectancy	NOUN
faba-276	104	10	,	,	PUNCT
faba-276	104	11	social	social	ADJ
faba-276	104	12	influence	influence	NOUN
faba-276	104	13	,	,	PUNCT
faba-276	104	14	facilitating	facilitate	VERB
faba-276	104	15	condition	condition	NOUN
faba-276	104	16	and	and	CCONJ
faba-276	104	17	trust	trust	NOUN
faba-276	104	18	are	be	AUX
faba-276	104	19	strong	strong	ADJ
faba-276	104	20	factors	factor	NOUN
faba-276	104	21	that	that	PRON
faba-276	104	22	would	would	AUX
faba-276	104	23	influence	influence	VERB
faba-276	104	24	e	e	NOUN
faba-276	104	25	-	-	NOUN
faba-276	104	26	wallet	wallet	NOUN
faba-276	104	27	acceptance	acceptance	NOUN
faba-276	104	28	.	.	PUNCT
faba-276	105	1	on	on	ADP
faba-276	105	2	the	the	DET
faba-276	105	3	adoption	adoption	NOUN
faba-276	105	4	of	of	ADP
faba-276	105	5	mobile	mobile	ADJ
faba-276	105	6	payments	payment	NOUN
faba-276	105	7	in	in	ADP
faba-276	105	8	malaysia	malaysia	PROPN
faba-276	105	9	,	,	PUNCT
faba-276	105	10	studies	study	NOUN
faba-276	105	11	on	on	ADP
faba-276	105	12	the	the	DET
faba-276	105	13	factors	factor	NOUN
faba-276	105	14	that	that	PRON
faba-276	105	15	would	would	AUX
faba-276	105	16	influence	influence	VERB
faba-276	105	17	their	their	PRON
faba-276	105	18	adoption	adoption	NOUN
faba-276	105	19	of	of	ADP
faba-276	105	20	mobile	mobile	ADJ
faba-276	105	21	payment	payment	NOUN
faba-276	105	22	services	service	NOUN
faba-276	105	23	were	be	AUX
faba-276	105	24	conducted	conduct	VERB
faba-276	105	25	(	(	PUNCT
faba-276	105	26	yeow	yeow	PROPN
faba-276	105	27	et	et	PROPN
faba-276	105	28	al	al	PROPN
faba-276	105	29	.	.	PROPN
faba-276	105	30	2017	2017	NUM
faba-276	105	31	;	;	PUNCT
faba-276	105	32	natarajan	natarajan	PROPN
faba-276	105	33	et	et	PROPN
faba-276	105	34	al	al	PROPN
faba-276	105	35	.	.	PROPN
faba-276	105	36	2018	2018	NUM
faba-276	105	37	)	)	PUNCT
faba-276	105	38	which	which	PRON
faba-276	105	39	had	have	AUX
faba-276	105	40	used	use	VERB
faba-276	105	41	the	the	DET
faba-276	105	42	extended	extended	ADJ
faba-276	105	43	tam	tam	NOUN
faba-276	105	44	model	model	NOUN
faba-276	105	45	.	.	PUNCT
faba-276	106	1	it	it	PRON
faba-276	106	2	was	be	AUX
faba-276	106	3	found	find	VERB
faba-276	106	4	that	that	SCONJ
faba-276	106	5	pu	pu	PROPN
faba-276	106	6	,	,	PUNCT
faba-276	106	7	peou	peou	INTJ
faba-276	106	8	which	which	PRON
faba-276	106	9	made	make	VERB
faba-276	106	10	up	up	ADP
faba-276	106	11	the	the	DET
faba-276	106	12	tam	tam	NOUN
faba-276	106	13	model	model	NOUN
faba-276	106	14	as	as	ADV
faba-276	106	15	well	well	ADV
faba-276	106	16	as	as	ADP
faba-276	106	17	perceived	perceive	VERB
faba-276	106	18	credibility	credibility	NOUN
faba-276	106	19	,	,	PUNCT
faba-276	106	20	social	social	ADJ
faba-276	106	21	influence	influence	NOUN
faba-276	106	22	(	(	PUNCT
faba-276	106	23	yeow	yeow	PROPN
faba-276	106	24	et	et	PROPN
faba-276	106	25	al	al	PROPN
faba-276	106	26	.	.	PROPN
faba-276	106	27	2017	2017	NUM
faba-276	106	28	)	)	PUNCT
faba-276	106	29	,	,	PUNCT
faba-276	106	30	perceive	perceive	ADJ
faba-276	106	31	risk	risk	NOUN
faba-276	106	32	,	,	PUNCT
faba-276	106	33	perceived	perceive	VERB
faba-276	106	34	enjoyment	enjoyment	NOUN
faba-276	106	35	and	and	CCONJ
faba-276	106	36	satisfaction	satisfaction	NOUN
faba-276	106	37	(	(	PUNCT
faba-276	106	38	natarajan	natarajan	PROPN
faba-276	106	39	et	et	PROPN
faba-276	106	40	al	al	PROPN
faba-276	106	41	.	.	PROPN
faba-276	106	42	2018	2018	NUM
faba-276	106	43	)	)	PUNCT
faba-276	106	44	to	to	PART
faba-276	106	45	influence	influence	VERB
faba-276	106	46	the	the	DET
faba-276	106	47	adoption	adoption	NOUN
faba-276	106	48	of	of	ADP
faba-276	106	49	mobile	mobile	ADJ
faba-276	106	50	payment	payment	NOUN
faba-276	106	51	services	service	NOUN
faba-276	106	52	.	.	PUNCT
faba-276	107	1	balakrishnan	balakrishnan	PROPN
faba-276	107	2	and	and	CCONJ
faba-276	107	3	nor	nor	CCONJ
faba-276	107	4	liyana	liyana	PROPN
faba-276	107	5	(	(	PUNCT
faba-276	107	6	2021	2021	NUM
faba-276	107	7	)	)	PUNCT
faba-276	107	8	had	have	AUX
faba-276	107	9	approached	approach	VERB
faba-276	107	10	the	the	DET
faba-276	107	11	study	study	NOUN
faba-276	107	12	of	of	ADP
faba-276	107	13	cashless	cashless	NOUN
faba-276	107	14	adoption	adoption	NOUN
faba-276	107	15	in	in	ADP
faba-276	107	16	a	a	DET
faba-276	107	17	different	different	ADJ
faba-276	107	18	manner	manner	NOUN
faba-276	107	19	where	where	SCONJ
faba-276	107	20	instead	instead	ADV
faba-276	107	21	of	of	ADP
faba-276	107	22	using	use	VERB
faba-276	107	23	tam	tam	PROPN
faba-276	107	24	,	,	PUNCT
faba-276	107	25	they	they	PRON
faba-276	107	26	had	have	AUX
faba-276	107	27	used	use	VERB
faba-276	107	28	the	the	DET
faba-276	107	29	unified	unified	ADJ
faba-276	107	30	theory	theory	NOUN
faba-276	107	31	of	of	ADP
faba-276	107	32	acceptance	acceptance	NOUN
faba-276	107	33	and	and	CCONJ
faba-276	107	34	use	use	NOUN
faba-276	107	35	of	of	ADP
faba-276	107	36	technology	technology	NOUN
faba-276	107	37	2	2	NUM
faba-276	107	38	(	(	PUNCT
faba-276	107	39	utaut2	utaut2	NOUN
faba-276	107	40	)	)	PUNCT
faba-276	107	41	and	and	CCONJ
faba-276	107	42	the	the	DET
faba-276	107	43	technology	technology	NOUN
faba-276	107	44	readiness	readiness	NOUN
faba-276	107	45	index	index	NOUN
faba-276	107	46	2.0	2.0	NUM
faba-276	107	47	as	as	ADP
faba-276	107	48	the	the	DET
faba-276	107	49	main	main	ADJ
faba-276	107	50	theories	theory	NOUN
faba-276	107	51	for	for	ADP
faba-276	107	52	their	their	PRON
faba-276	107	53	study	study	NOUN
faba-276	107	54	.	.	PUNCT
faba-276	108	1	the	the	DET
faba-276	108	2	construct	construct	NOUN
faba-276	108	3	would	would	AUX
faba-276	108	4	still	still	ADV
faba-276	108	5	be	be	AUX
faba-276	108	6	similar	similar	ADJ
faba-276	108	7	to	to	ADP
faba-276	108	8	tam	tam	VERB
faba-276	108	9	where	where	SCONJ
faba-276	108	10	peou	peou	ADV
faba-276	108	11	and	and	CCONJ
faba-276	108	12	pu	pu	PROPN
faba-276	108	13	are	be	AUX
faba-276	108	14	included	include	VERB
faba-276	108	15	in	in	ADP
faba-276	108	16	the	the	DET
faba-276	108	17	study	study	NOUN
faba-276	108	18	but	but	CCONJ
faba-276	108	19	other	other	ADJ
faba-276	108	20	variables	variable	NOUN
faba-276	108	21	such	such	ADJ
faba-276	108	22	as	as	ADP
faba-276	108	23	optimism	optimism	NOUN
faba-276	108	24	,	,	PUNCT
faba-276	108	25	innovativeness	innovativeness	NOUN
faba-276	108	26	,	,	PUNCT
faba-276	108	27	lack	lack	NOUN
faba-276	108	28	of	of	ADP
faba-276	108	29	awareness	awareness	NOUN
faba-276	108	30	,	,	PUNCT
faba-276	108	31	cashless	cashless	NOUN
faba-276	108	32	readiness	readiness	NOUN
faba-276	108	33	,	,	PUNCT
faba-276	108	34	risk	risk	NOUN
faba-276	108	35	,	,	PUNCT
faba-276	108	36	intrinsic	intrinsic	ADJ
faba-276	108	37	motivation	motivation	NOUN
faba-276	108	38	and	and	CCONJ
faba-276	108	39	adoption	adoption	NOUN
faba-276	108	40	are	be	AUX
faba-276	108	41	also	also	ADV
faba-276	108	42	considered	consider	VERB
faba-276	108	43	.	.	PUNCT
faba-276	109	1	in	in	ADP
faba-276	109	2	their	their	PRON
faba-276	109	3	study	study	NOUN
faba-276	109	4	,	,	PUNCT
faba-276	109	5	it	it	PRON
faba-276	109	6	was	be	AUX
faba-276	109	7	found	find	VERB
faba-276	109	8	that	that	SCONJ
faba-276	109	9	peou	peou	ADV
faba-276	109	10	,	,	PUNCT
faba-276	109	11	pu	pu	PROPN
faba-276	109	12	,	,	PUNCT
faba-276	109	13	innovativeness	innovativeness	NOUN
faba-276	109	14	,	,	PUNCT
faba-276	109	15	optimism	optimism	NOUN
faba-276	109	16	and	and	CCONJ
faba-276	109	17	lack	lack	NOUN
faba-276	109	18	of	of	ADP
faba-276	109	19	awareness	awareness	NOUN
faba-276	109	20	are	be	AUX
faba-276	109	21	key	key	ADJ
faba-276	109	22	influences	influence	NOUN
faba-276	109	23	on	on	ADP
faba-276	109	24	the	the	DET
faba-276	109	25	adoption	adoption	NOUN
faba-276	109	26	of	of	ADP
faba-276	109	27	cashless	cashless	NOUN
faba-276	109	28	payment	payment	NOUN
faba-276	109	29	.	.	PUNCT
faba-276	110	1	recent	recent	ADJ
faba-276	110	2	malaysian	malaysian	ADJ
faba-276	110	3	evidence	evidence	NOUN
faba-276	110	4	supports	support	VERB
faba-276	110	5	persistent	persistent	ADJ
faba-276	110	6	post	post	ADJ
faba-276	110	7	-	-	ADJ
faba-276	110	8	pandemic	pandemic	ADJ
faba-276	110	9	uptake	uptake	NOUN
faba-276	110	10	of	of	ADP
faba-276	110	11	digital	digital	ADJ
faba-276	110	12	payments	payment	NOUN
faba-276	110	13	.	.	PUNCT
faba-276	111	1	tian	tian	PROPN
faba-276	111	2	and	and	CCONJ
faba-276	111	3	chan	chan	PROPN
faba-276	111	4	(	(	PUNCT
faba-276	111	5	2024	2024	NUM
faba-276	111	6	)	)	PUNCT
faba-276	111	7	report	report	NOUN
faba-276	111	8	that	that	SCONJ
faba-276	111	9	perceived	perceive	VERB
faba-276	111	10	usefulness	usefulness	NOUN
faba-276	111	11	,	,	PUNCT
faba-276	111	12	perceived	perceive	VERB
faba-276	111	13	ease	ease	NOUN
faba-276	111	14	of	of	ADP
faba-276	111	15	use	use	NOUN
faba-276	111	16	,	,	PUNCT
faba-276	111	17	and	and	CCONJ
faba-276	111	18	perceived	perceive	VERB
faba-276	111	19	quality	quality	NOUN
faba-276	111	20	drive	drive	VERB
faba-276	111	21	behavioral	behavioral	ADJ
faba-276	111	22	intention	intention	NOUN
faba-276	111	23	,	,	PUNCT
faba-276	111	24	and	and	CCONJ
faba-276	111	25	trust	trust	NOUN
faba-276	111	26	strengthens	strengthen	VERB
faba-276	111	27	the	the	DET
faba-276	111	28	intention	intention	NOUN
faba-276	111	29	–	–	PUNCT
faba-276	111	30	use	use	NOUN
faba-276	111	31	link	link	NOUN
faba-276	111	32	in	in	ADP
faba-276	111	33	an	an	DET
faba-276	111	34	extended	extended	ADJ
faba-276	111	35	tam	tam	NOUN
faba-276	111	36	model	model	NOUN
faba-276	111	37	.	.	PUNCT
faba-276	112	1	balakrishnan	balakrishnan	PROPN
faba-276	112	2	(	(	PUNCT
faba-276	112	3	2023	2023	NUM
faba-276	112	4	)	)	PUNCT
faba-276	112	5	finds	find	VERB
faba-276	112	6	that	that	SCONJ
faba-276	112	7	malaysians	malaysians	PROPN
faba-276	112	8	’	'	PUNCT
faba-276	112	9	readiness	readiness	NOUN
faba-276	112	10	and	and	CCONJ
faba-276	112	11	intention	intention	NOUN
faba-276	112	12	to	to	PART
faba-276	112	13	adopt	adopt	VERB
faba-276	112	14	mobile	mobile	ADJ
faba-276	112	15	payments	payment	NOUN
faba-276	112	16	reflect	reflect	VERB
faba-276	112	17	strong	strong	ADJ
faba-276	112	18	roles	role	NOUN
faba-276	112	19	for	for	ADP
faba-276	112	20	usefulness	usefulness	NOUN
faba-276	112	21	,	,	PUNCT
faba-276	112	22	ease	ease	NOUN
faba-276	112	23	,	,	PUNCT
faba-276	112	24	and	and	CCONJ
faba-276	112	25	trust	trust	NOUN
faba-276	112	26	.	.	PUNCT
faba-276	113	1	merchant	merchant	NOUN
faba-276	113	2	-	-	PUNCT
faba-276	113	3	side	side	NOUN
faba-276	113	4	evidence	evidence	NOUN
faba-276	113	5	also	also	ADV
faba-276	113	6	points	point	VERB
faba-276	113	7	to	to	ADP
faba-276	113	8	durability	durability	NOUN
faba-276	113	9	of	of	ADP
faba-276	113	10	use	use	NOUN
faba-276	113	11	,	,	PUNCT
faba-276	113	12	with	with	ADP
faba-276	113	13	continuance	continuance	NOUN
faba-276	113	14	intention	intention	NOUN
faba-276	113	15	shaped	shape	VERB
faba-276	113	16	by	by	ADP
faba-276	113	17	expectation	expectation	NOUN
faba-276	113	18	confirmation	confirmation	NOUN
faba-276	113	19	,	,	PUNCT
faba-276	113	20	service	service	NOUN
faba-276	113	21	,	,	PUNCT
faba-276	113	22	and	and	CCONJ
faba-276	113	23	network	network	NOUN
faba-276	113	24	effects	effect	NOUN
faba-276	113	25	in	in	ADP
faba-276	113	26	malaysia	malaysia	PROPN
faba-276	113	27	(	(	PUNCT
faba-276	113	28	mohd	mohd	PROPN
faba-276	113	29	reza	reza	PROPN
faba-276	113	30	et	et	PROPN
faba-276	113	31	al	al	PROPN
faba-276	113	32	.	.	PROPN
faba-276	113	33	2024	2024	NUM
faba-276	113	34	)	)	PUNCT
faba-276	113	35	.	.	PUNCT
faba-276	114	1	complementary	complementary	ADJ
faba-276	114	2	results	result	NOUN
faba-276	114	3	from	from	ADP
faba-276	114	4	a	a	DET
faba-276	114	5	national	national	ADJ
faba-276	114	6	gen	gen	PROPN
faba-276	114	7	z	z	NOUN
faba-276	114	8	sample	sample	NOUN
faba-276	114	9	show	show	NOUN
faba-276	114	10	convenience	convenience	NOUN
faba-276	114	11	,	,	PUNCT
faba-276	114	12	security	security	NOUN
faba-276	114	13	,	,	PUNCT
faba-276	114	14	innovativeness	innovativeness	NOUN
faba-276	114	15	,	,	PUNCT
faba-276	114	16	and	and	CCONJ
faba-276	114	17	social	social	ADJ
faba-276	114	18	influence	influence	NOUN
faba-276	114	19	as	as	ADP
faba-276	114	20	significant	significant	ADJ
faba-276	114	21	predictors	predictor	NOUN
faba-276	114	22	of	of	ADP
faba-276	114	23	digital	digital	ADJ
faba-276	114	24	payment	payment	NOUN
faba-276	114	25	adoption	adoption	NOUN
faba-276	114	26	(	(	PUNCT
faba-276	114	27	al	al	PROPN
faba-276	114	28	-	-	PUNCT
faba-276	114	29	qudah	qudah	PROPN
faba-276	114	30	et	et	PROPN
faba-276	114	31	al	al	PROPN
faba-276	114	32	.	.	PROPN
faba-276	114	33	2024	2024	NUM
faba-276	114	34	)	)	PUNCT
faba-276	114	35	.	.	PUNCT
faba-276	115	1	together	together	ADV
faba-276	115	2	,	,	PUNCT
faba-276	115	3	these	these	DET
faba-276	115	4	studies	study	NOUN
faba-276	115	5	indicate	indicate	VERB
faba-276	115	6	that	that	PRON
faba-276	115	7	utility	utility	NOUN
faba-276	115	8	,	,	PUNCT
faba-276	115	9	ease	ease	NOUN
faba-276	115	10	,	,	PUNCT
faba-276	115	11	quality	quality	NOUN
faba-276	115	12	,	,	PUNCT
faba-276	115	13	and	and	CCONJ
faba-276	115	14	trust	trust	NOUN
faba-276	115	15	remain	remain	VERB
faba-276	115	16	central	central	ADJ
faba-276	115	17	in	in	ADP
faba-276	115	18	malaysia	malaysia	PROPN
faba-276	115	19	’s	’s	PART
faba-276	115	20	post	post	ADJ
faba-276	115	21	-	-	ADJ
faba-276	115	22	covid	covid	ADJ
faba-276	115	23	context	context	NOUN
faba-276	115	24	,	,	PUNCT
faba-276	115	25	which	which	PRON
faba-276	115	26	supports	support	VERB
faba-276	115	27	integrating	integrate	VERB
faba-276	115	28	situational	situational	ADJ
faba-276	115	29	health	health	NOUN
faba-276	115	30	-	-	PUNCT
faba-276	115	31	risk	risk	NOUN
faba-276	115	32	perceptions	perception	NOUN
faba-276	115	33	,	,	PUNCT
faba-276	115	34	such	such	ADJ
faba-276	115	35	as	as	ADP
faba-276	115	36	perceived	perceive	VERB
faba-276	115	37	covid-19	covid-19	PROPN
faba-276	115	38	risk	risk	NOUN
faba-276	115	39	,	,	PUNCT
faba-276	115	40	into	into	ADP
faba-276	115	41	an	an	DET
faba-276	115	42	extended	extended	ADJ
faba-276	115	43	tam	tam	NOUN
faba-276	115	44	to	to	PART
faba-276	115	45	explain	explain	VERB
faba-276	115	46	variation	variation	NOUN
faba-276	115	47	in	in	ADP
faba-276	115	48	intention	intention	NOUN
faba-276	115	49	under	under	ADP
faba-276	115	50	rushaizzad	rushaizzad	PROPN
faba-276	115	51	a.rahim	a.rahim	PRON
faba-276	115	52	and	and	CCONJ
faba-276	115	53	jaizah	jaizah	VERB
faba-276	115	54	othman	othman	PROPN
faba-276	115	55	/	/	SYM
faba-276	115	56	finance	finance	NOUN
faba-276	115	57	,	,	PUNCT
faba-276	115	58	accounting	accounting	NOUN
faba-276	115	59	and	and	CCONJ
faba-276	115	60	business	business	NOUN
faba-276	115	61	analysis	analysis	NOUN
faba-276	115	62	,	,	PUNCT
faba-276	115	63	volume	volume	NOUN
faba-276	115	64	7	7	NUM
faba-276	115	65	issue	issue	NOUN
faba-276	115	66	2	2	NUM
faba-276	115	67	,	,	PUNCT
faba-276	115	68	2025	2025	NUM
faba-276	115	69	171	171	NUM
faba-276	115	70	crisis	crisis	NOUN
faba-276	115	71	conditions	condition	NOUN
faba-276	115	72	(	(	PUNCT
faba-276	115	73	tian	tian	ADJ
faba-276	115	74	and	and	CCONJ
faba-276	115	75	chan	chan	PROPN
faba-276	115	76	2024	2024	NUM
faba-276	115	77	)	)	PUNCT
faba-276	115	78	.	.	PUNCT
faba-276	116	1	hypothesis	hypothesis	NOUN
faba-276	116	2	development	development	NOUN
faba-276	116	3	there	there	PRON
faba-276	116	4	have	have	AUX
faba-276	116	5	been	be	AUX
faba-276	116	6	various	various	ADJ
faba-276	116	7	studies	study	NOUN
faba-276	116	8	conducted	conduct	VERB
faba-276	116	9	using	use	VERB
faba-276	116	10	several	several	ADJ
faba-276	116	11	theoretical	theoretical	ADJ
faba-276	116	12	models	model	NOUN
faba-276	116	13	in	in	ADP
faba-276	116	14	the	the	DET
faba-276	116	15	factors	factor	NOUN
faba-276	116	16	influencing	influence	VERB
faba-276	116	17	the	the	DET
faba-276	116	18	adoption	adoption	NOUN
faba-276	116	19	of	of	ADP
faba-276	116	20	technology	technology	NOUN
faba-276	116	21	which	which	PRON
faba-276	116	22	include	include	VERB
faba-276	116	23	the	the	DET
faba-276	116	24	innovation	innovation	NOUN
faba-276	116	25	diffusion	diffusion	NOUN
faba-276	116	26	theory	theory	NOUN
faba-276	116	27	(	(	PUNCT
faba-276	116	28	rogers	rogers	PROPN
faba-276	116	29	1995	1995	NUM
faba-276	116	30	)	)	PUNCT
faba-276	116	31	,	,	PUNCT
faba-276	116	32	tam	tam	PROPN
faba-276	116	33	(	(	PUNCT
faba-276	116	34	davis	davis	PROPN
faba-276	116	35	1989	1989	NUM
faba-276	116	36	)	)	PUNCT
faba-276	116	37	,	,	PUNCT
faba-276	116	38	tpb	tpb	NOUN
faba-276	116	39	(	(	PUNCT
faba-276	116	40	ajzen	ajzen	NOUN
faba-276	116	41	1991	1991	NUM
faba-276	116	42	)	)	PUNCT
faba-276	116	43	,	,	PUNCT
faba-276	116	44	and	and	CCONJ
faba-276	116	45	theory	theory	NOUN
faba-276	116	46	of	of	ADP
faba-276	116	47	reasoned	reason	VERB
faba-276	116	48	action	action	NOUN
faba-276	116	49	or	or	CCONJ
faba-276	116	50	tra	tra	NOUN
faba-276	116	51	(	(	PUNCT
faba-276	116	52	hill	hill	NOUN
faba-276	116	53	1977	1977	NUM
faba-276	116	54	)	)	PUNCT
faba-276	116	55	.	.	PUNCT
faba-276	117	1	davis	davis	PROPN
faba-276	117	2	(	(	PUNCT
faba-276	117	3	1989	1989	NUM
faba-276	117	4	)	)	PUNCT
faba-276	117	5	had	have	AUX
faba-276	117	6	not	not	PART
faba-276	117	7	included	include	VERB
faba-276	117	8	any	any	DET
faba-276	117	9	other	other	ADJ
faba-276	117	10	predictors	predictor	NOUN
faba-276	117	11	aside	aside	ADV
faba-276	117	12	from	from	ADP
faba-276	117	13	peou	peou	ADV
faba-276	117	14	and	and	CCONJ
faba-276	117	15	pu	pu	PROPN
faba-276	117	16	in	in	ADP
faba-276	117	17	tam	tam	PROPN
faba-276	117	18	,	,	PUNCT
faba-276	117	19	however	however	ADV
faba-276	117	20	,	,	PUNCT
faba-276	117	21	ventakesh	ventakesh	NOUN
faba-276	117	22	and	and	CCONJ
faba-276	117	23	davis	davis	PROPN
faba-276	117	24	(	(	PUNCT
faba-276	117	25	2000	2000	NUM
faba-276	117	26	)	)	PUNCT
faba-276	117	27	had	have	AUX
faba-276	117	28	included	include	VERB
faba-276	117	29	sn	sn	PROPN
faba-276	117	30	taken	take	VERB
faba-276	117	31	from	from	ADP
faba-276	117	32	hill	hill	PROPN
faba-276	117	33	’s	’s	PART
faba-276	117	34	tra	tra	PROPN
faba-276	117	35	(	(	PUNCT
faba-276	117	36	1977	1977	NUM
faba-276	117	37	)	)	PUNCT
faba-276	117	38	.	.	PUNCT
faba-276	118	1	the	the	DET
faba-276	118	2	same	same	ADJ
faba-276	118	3	variables	variable	NOUN
faba-276	118	4	were	be	AUX
faba-276	118	5	included	include	VERB
faba-276	118	6	together	together	ADV
faba-276	118	7	with	with	ADP
faba-276	118	8	several	several	ADJ
faba-276	118	9	studies	study	NOUN
faba-276	118	10	related	relate	VERB
faba-276	118	11	to	to	ADP
faba-276	118	12	covid-19	covid-19	PROPN
faba-276	118	13	such	such	ADJ
faba-276	118	14	as	as	ADP
faba-276	118	15	by	by	ADP
faba-276	118	16	daragmeh	daragmeh	NOUN
faba-276	118	17	et	et	PROPN
faba-276	118	18	al	al	PROPN
faba-276	118	19	.	.	PROPN
faba-276	119	1	(	(	PUNCT
faba-276	119	2	2021	2021	NUM
faba-276	119	3	)	)	PUNCT
faba-276	119	4	in	in	ADP
faba-276	119	5	hungary	hungary	PROPN
faba-276	119	6	,	,	PUNCT
faba-276	119	7	baber	baber	PROPN
faba-276	119	8	(	(	PUNCT
faba-276	119	9	2021	2021	NUM
faba-276	119	10	)	)	PUNCT
faba-276	119	11	who	who	PRON
faba-276	119	12	studied	study	VERB
faba-276	119	13	the	the	DET
faba-276	119	14	acceptance	acceptance	NOUN
faba-276	119	15	of	of	ADP
faba-276	119	16	e	e	NOUN
faba-276	119	17	-	-	NOUN
faba-276	119	18	learning	learn	VERB
faba-276	119	19	during	during	ADP
faba-276	119	20	the	the	DET
faba-276	119	21	pandemic	pandemic	NOUN
faba-276	119	22	of	of	ADP
faba-276	119	23	covid-19	covid-19	PROPN
faba-276	119	24	in	in	ADP
faba-276	119	25	south	south	PROPN
faba-276	119	26	korea	korea	PROPN
faba-276	119	27	,	,	PUNCT
faba-276	119	28	sukendro	sukendro	VERB
faba-276	119	29	et	et	PROPN
faba-276	119	30	al	al	PROPN
faba-276	119	31	.	.	PROPN
faba-276	120	1	(	(	PUNCT
faba-276	120	2	2020	2020	NUM
faba-276	120	3	)	)	PUNCT
faba-276	120	4	who	who	PRON
faba-276	120	5	attempted	attempt	VERB
faba-276	120	6	to	to	PART
faba-276	120	7	understand	understand	VERB
faba-276	120	8	students	student	NOUN
faba-276	120	9	’	'	PUNCT
faba-276	120	10	use	use	NOUN
faba-276	120	11	of	of	ADP
faba-276	120	12	e	e	NOUN
faba-276	120	13	-	-	NOUN
faba-276	120	14	learning	learn	VERB
faba-276	120	15	in	in	ADP
faba-276	120	16	indonesia	indonesia	PROPN
faba-276	120	17	during	during	ADP
faba-276	120	18	the	the	DET
faba-276	120	19	covid-19	covid-19	PROPN
faba-276	120	20	pandemic	pandemic	NOUN
faba-276	120	21	.	.	PUNCT
faba-276	121	1	interestingly	interestingly	ADV
faba-276	121	2	,	,	PUNCT
faba-276	121	3	only	only	ADV
faba-276	121	4	daragmeh	daragmeh	NOUN
faba-276	121	5	et	et	PROPN
faba-276	121	6	al	al	PROPN
faba-276	121	7	.	.	PROPN
faba-276	122	1	(	(	PUNCT
faba-276	122	2	2021	2021	NUM
faba-276	122	3	)	)	PUNCT
faba-276	122	4	had	have	AUX
faba-276	122	5	studied	study	VERB
faba-276	122	6	the	the	DET
faba-276	122	7	perceived	perceive	VERB
faba-276	122	8	risk	risk	NOUN
faba-276	122	9	of	of	ADP
faba-276	122	10	covid-19	covid-19	PROPN
faba-276	122	11	and	and	CCONJ
faba-276	122	12	integrated	integrate	VERB
faba-276	122	13	it	it	PRON
faba-276	122	14	into	into	ADP
faba-276	122	15	their	their	PRON
faba-276	122	16	research	research	NOUN
faba-276	122	17	framework	framework	NOUN
faba-276	122	18	.	.	PUNCT
faba-276	123	1	this	this	DET
faba-276	123	2	study	study	NOUN
faba-276	123	3	adopted	adopt	VERB
faba-276	123	4	tam	tam	NOUN
faba-276	123	5	and	and	CCONJ
faba-276	123	6	extended	extend	VERB
faba-276	123	7	this	this	DET
faba-276	123	8	model	model	NOUN
faba-276	123	9	to	to	PART
faba-276	123	10	include	include	VERB
faba-276	123	11	a	a	DET
faba-276	123	12	part	part	NOUN
faba-276	123	13	of	of	ADP
faba-276	123	14	tra	tra	NOUN
faba-276	123	15	which	which	PRON
faba-276	123	16	is	be	AUX
faba-276	123	17	on	on	ADP
faba-276	123	18	subjective	subjective	ADJ
faba-276	123	19	norms	norm	NOUN
faba-276	123	20	or	or	CCONJ
faba-276	123	21	sn	sn	PROPN
faba-276	123	22	.	.	PUNCT
faba-276	124	1	tam	tam	PROPN
faba-276	124	2	has	have	AUX
faba-276	124	3	mainly	mainly	ADV
faba-276	124	4	been	be	AUX
faba-276	124	5	accepted	accept	VERB
faba-276	124	6	by	by	ADP
faba-276	124	7	researchers	researcher	NOUN
faba-276	124	8	as	as	ADP
faba-276	124	9	a	a	DET
faba-276	124	10	viable	viable	ADJ
faba-276	124	11	model	model	NOUN
faba-276	124	12	to	to	PART
faba-276	124	13	evaluate	evaluate	VERB
faba-276	124	14	the	the	DET
faba-276	124	15	acceptance	acceptance	NOUN
faba-276	124	16	of	of	ADP
faba-276	124	17	consumers	consumer	NOUN
faba-276	124	18	on	on	ADP
faba-276	124	19	mobile	mobile	ADJ
faba-276	124	20	payments	payment	NOUN
faba-276	124	21	,	,	PUNCT
faba-276	124	22	mobile	mobile	ADJ
faba-276	124	23	banking	banking	NOUN
faba-276	124	24	and	and	CCONJ
faba-276	124	25	technology	technology	NOUN
faba-276	124	26	in	in	ADP
faba-276	124	27	general	general	ADJ
faba-276	124	28	based	base	VERB
faba-276	124	29	on	on	ADP
faba-276	124	30	the	the	DET
faba-276	124	31	amount	amount	NOUN
faba-276	124	32	of	of	ADP
faba-276	124	33	research	research	NOUN
faba-276	124	34	utilizing	utilize	VERB
faba-276	124	35	the	the	DET
faba-276	124	36	model	model	NOUN
faba-276	124	37	and	and	CCONJ
faba-276	124	38	this	this	PRON
faba-276	124	39	has	have	AUX
faba-276	124	40	mainly	mainly	ADV
faba-276	124	41	been	be	AUX
faba-276	124	42	used	use	VERB
faba-276	124	43	to	to	PART
faba-276	124	44	assess	assess	VERB
faba-276	124	45	the	the	DET
faba-276	124	46	adoption	adoption	NOUN
faba-276	124	47	by	by	ADP
faba-276	124	48	individual	individual	ADJ
faba-276	124	49	consumers	consumer	NOUN
faba-276	124	50	(	(	PUNCT
faba-276	124	51	ajibade	ajibade	PROPN
faba-276	124	52	2019	2019	NUM
faba-276	124	53	;	;	PUNCT
faba-276	124	54	zhang	zhang	PROPN
faba-276	124	55	et	et	PROPN
faba-276	124	56	al	al	PROPN
faba-276	124	57	.	.	PROPN
faba-276	124	58	2018	2018	NUM
faba-276	124	59	)	)	PUNCT
faba-276	124	60	.	.	PUNCT
faba-276	125	1	the	the	DET
faba-276	125	2	inclusion	inclusion	NOUN
faba-276	125	3	of	of	ADP
faba-276	125	4	perceived	perceive	VERB
faba-276	125	5	covid-19	covid-19	PROPN
faba-276	125	6	risk	risk	NOUN
faba-276	125	7	extends	extend	VERB
faba-276	125	8	the	the	DET
faba-276	125	9	technology	technology	NOUN
faba-276	125	10	acceptance	acceptance	NOUN
faba-276	125	11	model	model	NOUN
faba-276	125	12	(	(	PUNCT
faba-276	125	13	tam	tam	PROPN
faba-276	125	14	)	)	PUNCT
faba-276	125	15	by	by	ADP
faba-276	125	16	incorporating	incorporate	VERB
faba-276	125	17	a	a	DET
faba-276	125	18	situational	situational	ADJ
faba-276	125	19	factor	factor	NOUN
faba-276	125	20	that	that	PRON
faba-276	125	21	captures	capture	VERB
faba-276	125	22	external	external	ADJ
faba-276	125	23	health	health	NOUN
faba-276	125	24	threats	threat	NOUN
faba-276	125	25	capable	capable	ADJ
faba-276	125	26	of	of	ADP
faba-276	125	27	altering	alter	VERB
faba-276	125	28	perceived	perceive	VERB
faba-276	125	29	usefulness	usefulness	NOUN
faba-276	125	30	and	and	CCONJ
faba-276	125	31	ease	ease	NOUN
faba-276	125	32	of	of	ADP
faba-276	125	33	use	use	NOUN
faba-276	125	34	.	.	PUNCT
faba-276	126	1	unlike	unlike	ADP
faba-276	126	2	conventional	conventional	ADJ
faba-276	126	3	risk	risk	NOUN
faba-276	126	4	constructs	construct	NOUN
faba-276	126	5	such	such	ADJ
faba-276	126	6	as	as	ADP
faba-276	126	7	security	security	NOUN
faba-276	126	8	or	or	CCONJ
faba-276	126	9	privacy	privacy	NOUN
faba-276	126	10	,	,	PUNCT
faba-276	126	11	perceived	perceive	VERB
faba-276	126	12	covid-19	covid-19	PROPN
faba-276	126	13	risk	risk	NOUN
faba-276	126	14	represents	represent	VERB
faba-276	126	15	a	a	DET
faba-276	126	16	temporary	temporary	ADJ
faba-276	126	17	yet	yet	CCONJ
faba-276	126	18	powerful	powerful	ADJ
faba-276	126	19	behavioral	behavioral	ADJ
faba-276	126	20	trigger	trigger	NOUN
faba-276	126	21	under	under	ADP
faba-276	126	22	crisis	crisis	NOUN
faba-276	126	23	conditions	condition	NOUN
faba-276	126	24	.	.	PUNCT
faba-276	127	1	this	this	DET
faba-276	127	2	variable	variable	NOUN
faba-276	127	3	explains	explain	VERB
faba-276	127	4	how	how	SCONJ
faba-276	127	5	individuals	individual	NOUN
faba-276	127	6	’	’	PART
faba-276	127	7	health	health	NOUN
faba-276	127	8	safety	safety	NOUN
faba-276	127	9	concerns	concern	NOUN
faba-276	127	10	translate	translate	VERB
faba-276	127	11	into	into	ADP
faba-276	127	12	higher	high	ADJ
faba-276	127	13	perceived	perceive	VERB
faba-276	127	14	utility	utility	NOUN
faba-276	127	15	and	and	CCONJ
faba-276	127	16	reduced	reduce	VERB
faba-276	127	17	resistance	resistance	NOUN
faba-276	127	18	toward	toward	ADP
faba-276	127	19	cashless	cashless	NOUN
faba-276	127	20	technology	technology	NOUN
faba-276	127	21	.	.	PUNCT
faba-276	128	1	similar	similar	ADJ
faba-276	128	2	extensions	extension	NOUN
faba-276	128	3	were	be	AUX
faba-276	128	4	used	use	VERB
faba-276	128	5	by	by	ADP
faba-276	128	6	daragmeh	daragmeh	NOUN
faba-276	128	7	et	et	PROPN
faba-276	128	8	al	al	PROPN
faba-276	128	9	.	.	PROPN
faba-276	129	1	(	(	PUNCT
faba-276	129	2	2021	2021	NUM
faba-276	129	3	)	)	PUNCT
faba-276	129	4	,	,	PUNCT
faba-276	129	5	who	who	PRON
faba-276	129	6	confirmed	confirm	VERB
faba-276	129	7	that	that	SCONJ
faba-276	129	8	perceived	perceive	VERB
faba-276	129	9	covid-19	covid-19	PROPN
faba-276	129	10	risk	risk	NOUN
faba-276	129	11	significantly	significantly	ADV
faba-276	129	12	affects	affect	VERB
faba-276	129	13	digital	digital	ADJ
faba-276	129	14	payment	payment	NOUN
faba-276	129	15	intention	intention	NOUN
faba-276	129	16	during	during	ADP
faba-276	129	17	the	the	DET
faba-276	129	18	pandemic	pandemic	ADJ
faba-276	129	19	,	,	PUNCT
faba-276	129	20	and	and	CCONJ
faba-276	129	21	by	by	ADP
faba-276	129	22	baber	baber	PROPN
faba-276	129	23	(	(	PUNCT
faba-276	129	24	2021	2021	NUM
faba-276	129	25	)	)	PUNCT
faba-276	129	26	,	,	PUNCT
faba-276	129	27	who	who	PRON
faba-276	129	28	found	find	VERB
faba-276	129	29	comparable	comparable	ADJ
faba-276	129	30	effects	effect	NOUN
faba-276	129	31	in	in	ADP
faba-276	129	32	technology	technology	NOUN
faba-276	129	33	adoption	adoption	NOUN
faba-276	129	34	under	under	ADP
faba-276	129	35	health	health	NOUN
faba-276	129	36	emergencies	emergency	NOUN
faba-276	129	37	.	.	PUNCT
faba-276	130	1	integrating	integrate	VERB
faba-276	130	2	this	this	DET
faba-276	130	3	situational	situational	ADJ
faba-276	130	4	risk	risk	NOUN
faba-276	130	5	enriches	enrich	VERB
faba-276	130	6	tam	tam	NOUN
faba-276	130	7	with	with	ADP
faba-276	130	8	a	a	DET
faba-276	130	9	socio	socio	NOUN
faba-276	130	10	-	-	PUNCT
faba-276	130	11	environmental	environmental	ADJ
faba-276	130	12	dimension	dimension	NOUN
faba-276	130	13	relevant	relevant	ADJ
faba-276	130	14	to	to	ADP
faba-276	130	15	public	public	ADJ
faba-276	130	16	health	health	NOUN
faba-276	130	17	contexts	contexts	NOUN
faba-276	130	18	.	.	PUNCT
faba-276	131	1	perceived	perceive	VERB
faba-276	131	2	usefulness	usefulness	NOUN
faba-276	131	3	and	and	CCONJ
faba-276	131	4	perceived	perceive	VERB
faba-276	131	5	ease	ease	NOUN
faba-276	131	6	of	of	ADP
faba-276	131	7	use	use	NOUN
faba-276	131	8	and	and	CCONJ
faba-276	131	9	adoption	adoption	NOUN
faba-276	131	10	of	of	ADP
faba-276	131	11	mobile	mobile	ADJ
faba-276	131	12	payment	payment	NOUN
faba-276	131	13	perceived	perceive	VERB
faba-276	131	14	usefulness	usefulness	NOUN
faba-276	131	15	(	(	PUNCT
faba-276	131	16	pu	pu	PROPN
faba-276	131	17	)	)	PUNCT
faba-276	131	18	would	would	AUX
faba-276	131	19	refer	refer	VERB
faba-276	131	20	to	to	ADP
faba-276	131	21	the	the	DET
faba-276	131	22	perception	perception	NOUN
faba-276	131	23	of	of	ADP
faba-276	131	24	consumers	consumer	NOUN
faba-276	131	25	on	on	ADP
faba-276	131	26	whether	whether	SCONJ
faba-276	131	27	the	the	DET
faba-276	131	28	technology	technology	NOUN
faba-276	131	29	would	would	AUX
faba-276	131	30	be	be	AUX
faba-276	131	31	useful	useful	ADJ
faba-276	131	32	to	to	ADP
faba-276	131	33	them	they	PRON
faba-276	131	34	in	in	ADP
faba-276	131	35	terms	term	NOUN
faba-276	131	36	of	of	ADP
faba-276	131	37	increase	increase	NOUN
faba-276	131	38	in	in	ADP
faba-276	131	39	productivity	productivity	NOUN
faba-276	131	40	whereas	whereas	SCONJ
faba-276	131	41	peou	peou	PROPN
faba-276	131	42	would	would	AUX
faba-276	131	43	refer	refer	VERB
faba-276	131	44	to	to	ADP
faba-276	131	45	the	the	DET
faba-276	131	46	perception	perception	NOUN
faba-276	131	47	of	of	ADP
faba-276	131	48	consumers	consumer	NOUN
faba-276	131	49	on	on	ADP
faba-276	131	50	the	the	DET
faba-276	131	51	comfortability	comfortability	NOUN
faba-276	131	52	and	and	CCONJ
faba-276	131	53	confidence	confidence	NOUN
faba-276	131	54	of	of	ADP
faba-276	131	55	consumers	consumer	NOUN
faba-276	131	56	in	in	ADP
faba-276	131	57	adopting	adopt	VERB
faba-276	131	58	technology	technology	NOUN
faba-276	131	59	as	as	SCONJ
faba-276	131	60	they	they	PRON
faba-276	131	61	are	be	AUX
faba-276	131	62	learning	learn	VERB
faba-276	131	63	and	and	CCONJ
faba-276	131	64	using	use	VERB
faba-276	131	65	them	they	PRON
faba-276	131	66	(	(	PUNCT
faba-276	131	67	davis	davis	PROPN
faba-276	131	68	1989	1989	NUM
faba-276	131	69	)	)	PUNCT
faba-276	131	70	.	.	PUNCT
faba-276	132	1	various	various	ADJ
faba-276	132	2	studies	study	NOUN
faba-276	132	3	were	be	AUX
faba-276	132	4	conducted	conduct	VERB
faba-276	132	5	over	over	ADP
faba-276	132	6	the	the	DET
faba-276	132	7	years	year	NOUN
faba-276	132	8	on	on	ADP
faba-276	132	9	the	the	DET
faba-276	132	10	adoption	adoption	NOUN
faba-276	132	11	of	of	ADP
faba-276	132	12	mobile	mobile	ADJ
faba-276	132	13	banking	banking	NOUN
faba-276	132	14	,	,	PUNCT
faba-276	132	15	mobile	mobile	ADJ
faba-276	132	16	payment	payment	NOUN
faba-276	132	17	and	and	CCONJ
faba-276	132	18	cashless	cashless	NOUN
faba-276	132	19	acceptance	acceptance	NOUN
faba-276	132	20	in	in	ADP
faba-276	132	21	which	which	PRON
faba-276	132	22	all	all	PRON
faba-276	132	23	of	of	ADP
faba-276	132	24	it	it	PRON
faba-276	132	25	had	have	AUX
faba-276	132	26	found	find	VERB
faba-276	132	27	that	that	SCONJ
faba-276	132	28	both	both	CCONJ
faba-276	132	29	pu	pu	PROPN
faba-276	132	30	and	and	CCONJ
faba-276	132	31	peou	peou	ADV
faba-276	132	32	contributes	contribute	VERB
faba-276	132	33	to	to	ADP
faba-276	132	34	the	the	DET
faba-276	132	35	overall	overall	ADJ
faba-276	132	36	adoption	adoption	NOUN
faba-276	132	37	of	of	ADP
faba-276	132	38	mobile	mobile	ADJ
faba-276	132	39	banking	banking	NOUN
faba-276	132	40	,	,	PUNCT
faba-276	132	41	mobile	mobile	ADJ
faba-276	132	42	payment	payment	NOUN
faba-276	132	43	and	and	CCONJ
faba-276	132	44	cashless	cashless	NOUN
faba-276	132	45	acceptance	acceptance	NOUN
faba-276	132	46	respectively	respectively	ADV
faba-276	132	47	based	base	VERB
faba-276	132	48	on	on	ADP
faba-276	132	49	the	the	DET
faba-276	132	50	studies	study	NOUN
faba-276	132	51	conducted	conduct	VERB
faba-276	132	52	(	(	PUNCT
faba-276	132	53	ahmad	ahmad	PROPN
faba-276	132	54	adzri	adzri	PROPN
faba-276	132	55	et	et	PROPN
faba-276	132	56	al	al	PROPN
faba-276	132	57	.	.	PROPN
faba-276	132	58	2019	2019	NUM
faba-276	132	59	;	;	PUNCT
faba-276	132	60	ahmad	ahmad	PROPN
faba-276	132	61	iqbal	iqbal	PROPN
faba-276	132	62	and	and	CCONJ
faba-276	132	63	mohd	mohd	PROPN
faba-276	132	64	shahrulnizam	shahrulnizam	VERB
faba-276	132	65	2018	2018	NUM
faba-276	132	66	;	;	PUNCT
faba-276	133	1	balakrishnan	balakrishnan	PROPN
faba-276	133	2	and	and	CCONJ
faba-276	133	3	nor	nor	CCONJ
faba-276	133	4	liyana	liyana	PROPN
faba-276	133	5	2021	2021	NUM
faba-276	133	6	;	;	PUNCT
faba-276	133	7	lew	lew	PROPN
faba-276	133	8	et	et	PROPN
faba-276	133	9	al	al	PROPN
faba-276	133	10	.	.	PROPN
faba-276	133	11	2020	2020	NUM
faba-276	133	12	;	;	PUNCT
faba-276	133	13	lim	lim	PROPN
faba-276	133	14	et	et	PROPN
faba-276	133	15	al	al	PROPN
faba-276	133	16	.	.	PROPN
faba-276	133	17	2019	2019	NUM
faba-276	133	18	;	;	PUNCT
faba-276	133	19	natarajan	natarajan	PROPN
faba-276	133	20	et	et	PROPN
faba-276	133	21	al	al	PROPN
faba-276	133	22	.	.	PROPN
faba-276	133	23	2018	2018	NUM
faba-276	133	24	;	;	PUNCT
faba-276	133	25	owais	owais	PROPN
faba-276	133	26	2020	2020	NUM
faba-276	133	27	;	;	PUNCT
faba-276	133	28	syed	syed	PROPN
faba-276	133	29	et	et	PROPN
faba-276	133	30	al	al	PROPN
faba-276	133	31	.	.	PROPN
faba-276	133	32	2018	2018	NUM
faba-276	133	33	;	;	PUNCT
faba-276	133	34	syuhaili	syuhaili	NOUN
faba-276	133	35	and	and	CCONJ
faba-276	133	36	tan	tan	PROPN
faba-276	133	37	2020	2020	NUM
faba-276	133	38	;	;	PUNCT
faba-276	133	39	yeow	yeow	PROPN
faba-276	133	40	et	et	PROPN
faba-276	133	41	al	al	PROPN
faba-276	133	42	.	.	PROPN
faba-276	133	43	2017	2017	NUM
faba-276	133	44	;	;	PUNCT
faba-276	133	45	zahoor	zahoor	PROPN
faba-276	133	46	and	and	CCONJ
faba-276	133	47	fazal	fazal	NOUN
faba-276	133	48	2020	2020	NUM
faba-276	133	49	)	)	PUNCT
faba-276	133	50	.	.	PUNCT
faba-276	134	1	thus	thus	ADV
faba-276	134	2	,	,	PUNCT
faba-276	134	3	based	base	VERB
faba-276	134	4	on	on	ADP
faba-276	134	5	the	the	DET
faba-276	134	6	previous	previous	ADJ
faba-276	134	7	literature	literature	NOUN
faba-276	134	8	,	,	PUNCT
faba-276	134	9	the	the	DET
faba-276	134	10	two	two	NUM
faba-276	134	11	variables	variable	NOUN
faba-276	134	12	which	which	PRON
faba-276	134	13	are	be	AUX
faba-276	134	14	pu	pu	PROPN
faba-276	134	15	and	and	CCONJ
faba-276	134	16	peou	peou	PROPN
faba-276	134	17	would	would	AUX
faba-276	134	18	be	be	AUX
faba-276	134	19	relevant	relevant	ADJ
faba-276	134	20	to	to	PART
faba-276	134	21	be	be	AUX
faba-276	134	22	included	include	VERB
faba-276	134	23	for	for	ADP
faba-276	134	24	this	this	DET
faba-276	134	25	study	study	NOUN
faba-276	134	26	.	.	PUNCT
faba-276	135	1	subjective	subjective	ADJ
faba-276	135	2	norms	norm	NOUN
faba-276	135	3	and	and	CCONJ
faba-276	135	4	adoption	adoption	NOUN
faba-276	135	5	of	of	ADP
faba-276	135	6	mobile	mobile	ADJ
faba-276	135	7	payment	payment	NOUN
faba-276	135	8	subjective	subjective	ADJ
faba-276	135	9	norms	norm	NOUN
faba-276	135	10	(	(	PUNCT
faba-276	135	11	sn	sn	INTJ
faba-276	135	12	)	)	PUNCT
faba-276	135	13	would	would	AUX
faba-276	135	14	refer	refer	VERB
faba-276	135	15	to	to	ADP
faba-276	135	16	the	the	DET
faba-276	135	17	extent	extent	NOUN
faba-276	135	18	of	of	ADP
faba-276	135	19	which	which	PRON
faba-276	135	20	a	a	DET
faba-276	135	21	consumer	consumer	NOUN
faba-276	135	22	is	be	AUX
faba-276	135	23	influenced	influence	VERB
faba-276	135	24	by	by	ADP
faba-276	135	25	their	their	PRON
faba-276	135	26	social	social	ADJ
faba-276	135	27	environment	environment	NOUN
faba-276	135	28	such	such	ADJ
faba-276	135	29	as	as	ADP
faba-276	135	30	through	through	ADP
faba-276	135	31	their	their	PRON
faba-276	135	32	family	family	NOUN
faba-276	135	33	,	,	PUNCT
faba-276	135	34	friends	friend	NOUN
faba-276	135	35	,	,	PUNCT
faba-276	135	36	experts	expert	NOUN
faba-276	135	37	and	and	CCONJ
faba-276	135	38	celebrities	celebrity	NOUN
faba-276	135	39	in	in	ADP
faba-276	135	40	the	the	DET
faba-276	135	41	adoption	adoption	NOUN
faba-276	135	42	of	of	ADP
faba-276	135	43	technology	technology	NOUN
faba-276	135	44	(	(	PUNCT
faba-276	135	45	flavián	flavián	NOUN
faba-276	135	46	et	et	PROPN
faba-276	135	47	al	al	PROPN
faba-276	135	48	.	.	PROPN
faba-276	135	49	2020	2020	NUM
faba-276	135	50	)	)	PUNCT
faba-276	135	51	.	.	PUNCT
faba-276	136	1	while	while	SCONJ
faba-276	136	2	the	the	DET
faba-276	136	3	original	original	ADJ
faba-276	136	4	tam	tam	NOUN
faba-276	136	5	had	have	AUX
faba-276	136	6	ignored	ignore	VERB
faba-276	136	7	sn	sn	PROPN
faba-276	136	8	in	in	ADP
faba-276	136	9	totality	totality	NOUN
faba-276	136	10	where	where	SCONJ
faba-276	136	11	only	only	ADV
faba-276	136	12	the	the	DET
faba-276	136	13	pu	pu	PROPN
faba-276	136	14	and	and	CCONJ
faba-276	136	15	peou	peou	PROPN
faba-276	136	16	are	be	AUX
faba-276	136	17	considered	consider	VERB
faba-276	136	18	,	,	PUNCT
faba-276	136	19	ventakesh	ventakesh	NOUN
faba-276	136	20	and	and	CCONJ
faba-276	136	21	davis	davis	PROPN
faba-276	136	22	(	(	PUNCT
faba-276	136	23	2000	2000	NUM
faba-276	136	24	)	)	PUNCT
faba-276	136	25	had	have	AUX
faba-276	136	26	included	include	VERB
faba-276	136	27	sn	sn	PROPN
faba-276	136	28	as	as	ADP
faba-276	136	29	a	a	DET
faba-276	136	30	predictor	predictor	NOUN
faba-276	136	31	that	that	PRON
faba-276	136	32	would	would	AUX
faba-276	136	33	affect	affect	VERB
faba-276	136	34	the	the	DET
faba-276	136	35	intention	intention	NOUN
faba-276	136	36	of	of	ADP
faba-276	136	37	consumers	consumer	NOUN
faba-276	136	38	in	in	ADP
faba-276	136	39	adopting	adopt	VERB
faba-276	136	40	technology	technology	NOUN
faba-276	136	41	.	.	PUNCT
faba-276	137	1	sn	sn	PROPN
faba-276	137	2	has	have	AUX
faba-276	137	3	been	be	AUX
faba-276	137	4	used	use	VERB
faba-276	137	5	in	in	ADP
faba-276	137	6	both	both	DET
faba-276	137	7	tpb	tpb	NOUN
faba-276	137	8	(	(	PUNCT
faba-276	137	9	ajzen	ajzen	NOUN
faba-276	137	10	1991	1991	NUM
faba-276	137	11	)	)	PUNCT
faba-276	137	12	,	,	PUNCT
faba-276	137	13	and	and	CCONJ
faba-276	137	14	tra	tra	PROPN
faba-276	137	15	(	(	PUNCT
faba-276	137	16	hill	hill	NOUN
faba-276	137	17	1977	1977	NUM
faba-276	137	18	)	)	PUNCT
faba-276	137	19	in	in	ADP
faba-276	137	20	which	which	PRON
faba-276	137	21	various	various	ADJ
faba-276	137	22	research	research	NOUN
faba-276	137	23	has	have	AUX
faba-276	137	24	used	use	VERB
faba-276	137	25	as	as	ADP
faba-276	137	26	an	an	DET
faba-276	137	27	extension	extension	NOUN
faba-276	137	28	to	to	ADP
faba-276	137	29	tam	tam	PROPN
faba-276	137	30	.	.	PROPN
faba-276	138	1	flavián	flavián	PROPN
faba-276	138	2	et	et	PROPN
faba-276	138	3	al	al	PROPN
faba-276	138	4	.	.	PROPN
faba-276	138	5	(	(	PUNCT
faba-276	138	6	2020	2020	NUM
faba-276	138	7	)	)	PUNCT
faba-276	138	8	,	,	PUNCT
faba-276	138	9	daragmeh	daragmeh	NOUN
faba-276	138	10	et	et	PROPN
faba-276	138	11	al	al	PROPN
faba-276	138	12	.	.	PROPN
faba-276	139	1	(	(	PUNCT
faba-276	139	2	2020	2020	NUM
faba-276	139	3	)	)	PUNCT
faba-276	139	4	and	and	CCONJ
faba-276	139	5	ramos	ramos	PROPN
faba-276	139	6	de	de	PROPN
faba-276	139	7	luna	luna	PROPN
faba-276	139	8	et	et	PROPN
faba-276	139	9	al	al	PROPN
faba-276	139	10	.	.	PROPN
faba-276	140	1	(	(	PUNCT
faba-276	140	2	2023	2023	NUM
faba-276	140	3	)	)	PUNCT
faba-276	140	4	had	have	AUX
faba-276	140	5	conducted	conduct	VERB
faba-276	140	6	their	their	PRON
faba-276	140	7	studies	study	NOUN
faba-276	140	8	on	on	ADP
faba-276	140	9	mobile	mobile	ADJ
faba-276	140	10	payment	payment	NOUN
faba-276	140	11	adoption	adoption	NOUN
faba-276	140	12	and	and	CCONJ
faba-276	140	13	had	have	AUX
faba-276	140	14	used	use	VERB
faba-276	140	15	sn	sn	PROPN
faba-276	140	16	as	as	ADP
faba-276	140	17	part	part	NOUN
faba-276	140	18	of	of	ADP
faba-276	140	19	their	their	PRON
faba-276	140	20	theoretical	theoretical	ADJ
faba-276	140	21	construct	construct	NOUN
faba-276	140	22	.	.	PUNCT
faba-276	141	1	in	in	ADP
faba-276	141	2	both	both	DET
faba-276	141	3	studies	study	NOUN
faba-276	141	4	,	,	PUNCT
faba-276	141	5	sn	sn	PROPN
faba-276	141	6	were	be	AUX
faba-276	141	7	found	find	VERB
faba-276	141	8	to	to	PART
faba-276	141	9	have	have	VERB
faba-276	141	10	significant	significant	ADJ
faba-276	141	11	influence	influence	NOUN
faba-276	141	12	on	on	ADP
faba-276	141	13	the	the	DET
faba-276	141	14	intention	intention	NOUN
faba-276	141	15	of	of	ADP
faba-276	141	16	consumers	consumer	NOUN
faba-276	141	17	to	to	PART
faba-276	141	18	accept	accept	VERB
faba-276	141	19	and	and	CCONJ
faba-276	141	20	adopt	adopt	VERB
faba-276	141	21	mobile	mobile	ADJ
faba-276	141	22	payments	payment	NOUN
faba-276	141	23	.	.	PUNCT
faba-276	142	1	based	base	VERB
faba-276	142	2	on	on	ADP
faba-276	142	3	the	the	DET
faba-276	142	4	previous	previous	ADJ
faba-276	142	5	literature	literature	NOUN
faba-276	142	6	,	,	PUNCT
faba-276	142	7	sn	sn	PROPN
faba-276	142	8	would	would	AUX
faba-276	142	9	thus	thus	ADV
faba-276	142	10	be	be	AUX
faba-276	142	11	relevant	relevant	ADJ
faba-276	142	12	to	to	PART
faba-276	142	13	be	be	AUX
faba-276	142	14	included	include	VERB
faba-276	142	15	in	in	ADP
faba-276	142	16	this	this	DET
faba-276	142	17	study	study	NOUN
faba-276	142	18	.	.	PUNCT
faba-276	143	1	building	build	VERB
faba-276	143	2	on	on	ADP
faba-276	143	3	prior	prior	ADJ
faba-276	143	4	work	work	NOUN
faba-276	143	5	by	by	ADP
faba-276	143	6	daragmeh	daragmeh	NOUN
faba-276	143	7	et	et	PROPN
faba-276	143	8	al	al	PROPN
faba-276	143	9	.	.	PROPN
faba-276	144	1	(	(	PUNCT
faba-276	144	2	2021	2021	NUM
faba-276	144	3	)	)	PUNCT
faba-276	144	4	and	and	CCONJ
faba-276	144	5	baber	baber	PROPN
faba-276	144	6	(	(	PUNCT
faba-276	144	7	2021	2021	NUM
faba-276	144	8	)	)	PUNCT
faba-276	144	9	,	,	PUNCT
faba-276	144	10	this	this	DET
faba-276	144	11	study	study	NOUN
faba-276	144	12	integrates	integrate	NOUN
faba-276	144	13	perceived	perceive	VERB
faba-276	144	14	covid-19	covid-19	PROPN
faba-276	144	15	risk	risk	NOUN
faba-276	144	16	as	as	ADP
faba-276	144	17	a	a	DET
faba-276	144	18	situational	situational	ADJ
faba-276	144	19	construct	construct	NOUN
faba-276	144	20	that	that	PRON
faba-276	144	21	complements	complement	NOUN
faba-276	144	22	perceived	perceive	VERB
faba-276	144	23	usefulness	usefulness	NOUN
faba-276	144	24	,	,	PUNCT
faba-276	144	25	perceived	perceive	VERB
faba-276	144	26	ease	ease	NOUN
faba-276	144	27	of	of	ADP
faba-276	144	28	use	use	NOUN
faba-276	144	29	,	,	PUNCT
faba-276	144	30	and	and	CCONJ
faba-276	144	31	subjective	subjective	ADJ
faba-276	144	32	norms	norm	NOUN
faba-276	144	33	in	in	ADP
faba-276	144	34	explaining	explain	VERB
faba-276	144	35	behavioral	behavioral	ADJ
faba-276	144	36	intention	intention	NOUN
faba-276	144	37	to	to	PART
faba-276	144	38	adopt	adopt	VERB
faba-276	144	39	mobile	mobile	ADJ
faba-276	144	40	payment	payment	NOUN
faba-276	144	41	services	service	NOUN
faba-276	144	42	.	.	PUNCT
faba-276	145	1	perceived	perceive	VERB
faba-276	145	2	covid-19	covid-19	PROPN
faba-276	145	3	risk	risk	NOUN
faba-276	145	4	and	and	CCONJ
faba-276	145	5	adoption	adoption	NOUN
faba-276	145	6	of	of	ADP
faba-276	145	7	mobile	mobile	ADJ
faba-276	145	8	payment	payment	NOUN
faba-276	145	9	bauer	bauer	NOUN
faba-276	145	10	(	(	PUNCT
faba-276	145	11	1960	1960	NUM
faba-276	145	12	)	)	PUNCT
faba-276	145	13	had	have	AUX
faba-276	145	14	introduced	introduce	VERB
faba-276	145	15	the	the	DET
faba-276	145	16	concept	concept	NOUN
faba-276	145	17	of	of	ADP
faba-276	145	18	perceived	perceive	VERB
faba-276	145	19	risk	risk	NOUN
faba-276	145	20	having	have	VERB
faba-276	145	21	an	an	DET
faba-276	145	22	influence	influence	NOUN
faba-276	145	23	on	on	ADP
faba-276	145	24	consumer	consumer	NOUN
faba-276	145	25	behaviour	behaviour	NOUN
faba-276	145	26	.	.	PUNCT
faba-276	146	1	in	in	ADP
faba-276	146	2	this	this	DET
faba-276	146	3	study	study	NOUN
faba-276	146	4	,	,	PUNCT
faba-276	146	5	the	the	DET
faba-276	146	6	perceived	perceive	VERB
faba-276	146	7	risk	risk	NOUN
faba-276	146	8	is	be	AUX
faba-276	146	9	tied	tie	VERB
faba-276	146	10	to	to	ADP
faba-276	146	11	a	a	DET
faba-276	146	12	situational	situational	ADJ
faba-276	146	13	element	element	NOUN
faba-276	146	14	which	which	PRON
faba-276	146	15	is	be	AUX
faba-276	146	16	on	on	ADP
faba-276	146	17	covid-19	covid-19	PROPN
faba-276	146	18	and	and	CCONJ
faba-276	146	19	study	study	VERB
faba-276	146	20	its	its	PRON
faba-276	146	21	impact	impact	NOUN
faba-276	146	22	on	on	ADP
faba-276	146	23	the	the	DET
faba-276	146	24	adoption	adoption	NOUN
faba-276	146	25	of	of	ADP
faba-276	146	26	mobile	mobile	ADJ
faba-276	146	27	payment	payment	NOUN
faba-276	146	28	by	by	ADP
faba-276	146	29	consumers	consumer	NOUN
faba-276	146	30	.	.	PUNCT
faba-276	147	1	however	however	ADV
faba-276	147	2	,	,	PUNCT
faba-276	147	3	there	there	PRON
faba-276	147	4	have	have	AUX
faba-276	147	5	been	be	AUX
faba-276	147	6	limited	limit	VERB
faba-276	147	7	studies	study	NOUN
faba-276	147	8	conducted	conduct	VERB
faba-276	147	9	which	which	PRON
faba-276	147	10	rushaizzad	rushaizzad	VERB
faba-276	147	11	a.rahim	a.rahim	PRON
faba-276	147	12	and	and	CCONJ
faba-276	147	13	jaizah	jaizah	VERB
faba-276	147	14	othman	othman	PROPN
faba-276	147	15	/	/	SYM
faba-276	147	16	finance	finance	NOUN
faba-276	147	17	,	,	PUNCT
faba-276	147	18	accounting	accounting	NOUN
faba-276	147	19	and	and	CCONJ
faba-276	147	20	business	business	NOUN
faba-276	147	21	analysis	analysis	NOUN
faba-276	147	22	,	,	PUNCT
faba-276	147	23	volume	volume	NOUN
faba-276	147	24	7	7	NUM
faba-276	147	25	issue	issue	NOUN
faba-276	147	26	2	2	NUM
faba-276	147	27	,	,	PUNCT
faba-276	147	28	2025	2025	NUM
faba-276	147	29	172	172	NUM
faba-276	147	30	utilizes	utilize	VERB
faba-276	147	31	the	the	DET
faba-276	147	32	perceived	perceive	VERB
faba-276	147	33	risk	risk	NOUN
faba-276	147	34	of	of	ADP
faba-276	147	35	covid-19	covid-19	PROPN
faba-276	147	36	on	on	ADP
faba-276	147	37	the	the	DET
faba-276	147	38	use	use	NOUN
faba-276	147	39	of	of	ADP
faba-276	147	40	mobile	mobile	ADJ
faba-276	147	41	payments	payment	NOUN
faba-276	147	42	.	.	PUNCT
faba-276	148	1	since	since	SCONJ
faba-276	148	2	there	there	PRON
faba-276	148	3	has	have	AUX
faba-276	148	4	been	be	AUX
faba-276	148	5	a	a	DET
faba-276	148	6	study	study	NOUN
faba-276	148	7	conducted	conduct	VERB
faba-276	148	8	that	that	SCONJ
faba-276	148	9	there	there	PRON
faba-276	148	10	is	be	VERB
faba-276	148	11	a	a	DET
faba-276	148	12	risk	risk	NOUN
faba-276	148	13	of	of	ADP
faba-276	148	14	being	be	AUX
faba-276	148	15	infected	infect	VERB
faba-276	148	16	by	by	ADP
faba-276	148	17	covid-19	covid-19	PROPN
faba-276	148	18	due	due	ADP
faba-276	148	19	to	to	ADP
faba-276	148	20	the	the	DET
faba-276	148	21	use	use	NOUN
faba-276	148	22	of	of	ADP
faba-276	148	23	cash	cash	NOUN
faba-276	148	24	,	,	PUNCT
faba-276	148	25	coins	coin	NOUN
faba-276	148	26	and	and	CCONJ
faba-276	148	27	banknotes	banknote	NOUN
faba-276	148	28	as	as	SCONJ
faba-276	148	29	covid-19	covid-19	PROPN
faba-276	148	30	can	can	AUX
faba-276	148	31	last	last	VERB
faba-276	148	32	on	on	ADP
faba-276	148	33	common	common	ADJ
faba-276	148	34	surfaces	surface	NOUN
faba-276	148	35	such	such	ADJ
faba-276	148	36	as	as	ADP
faba-276	148	37	glass	glass	NOUN
faba-276	148	38	,	,	PUNCT
faba-276	148	39	stainless	stainless	ADJ
faba-276	148	40	steel	steel	NOUN
faba-276	148	41	and	and	CCONJ
faba-276	148	42	banknotes	banknote	NOUN
faba-276	148	43	for	for	ADP
faba-276	148	44	up	up	ADP
faba-276	148	45	to	to	PART
faba-276	148	46	28	28	NUM
faba-276	148	47	days	day	NOUN
faba-276	148	48	(	(	PUNCT
faba-276	148	49	riddell	riddell	PROPN
faba-276	148	50	et	et	PROPN
faba-276	148	51	al	al	PROPN
faba-276	148	52	.	.	PROPN
faba-276	148	53	2020	2020	NUM
faba-276	148	54	)	)	PUNCT
faba-276	148	55	,	,	PUNCT
faba-276	148	56	the	the	DET
faba-276	148	57	world	world	NOUN
faba-276	148	58	economic	economic	PROPN
faba-276	148	59	forum	forum	PROPN
faba-276	148	60	(	(	PUNCT
faba-276	148	61	2020	2020	NUM
faba-276	148	62	)	)	PUNCT
faba-276	148	63	had	have	AUX
faba-276	148	64	suggested	suggest	VERB
faba-276	148	65	for	for	SCONJ
faba-276	148	66	countries	country	NOUN
faba-276	148	67	to	to	PART
faba-276	148	68	adopt	adopt	VERB
faba-276	148	69	digital	digital	ADJ
faba-276	148	70	payment	payment	NOUN
faba-276	148	71	to	to	PART
faba-276	148	72	help	help	VERB
faba-276	148	73	countries	country	NOUN
faba-276	148	74	cope	cope	VERB
faba-276	148	75	with	with	ADP
faba-276	148	76	covid-19	covid-19	PROPN
faba-276	148	77	.	.	PUNCT
faba-276	149	1	daragmeh	daragmeh	NOUN
faba-276	149	2	et	et	PROPN
faba-276	149	3	al	al	PROPN
faba-276	149	4	.	.	PROPN
faba-276	150	1	(	(	PUNCT
faba-276	150	2	2021	2021	NUM
faba-276	150	3	)	)	PUNCT
faba-276	150	4	had	have	AUX
faba-276	150	5	included	include	VERB
faba-276	150	6	the	the	DET
faba-276	150	7	study	study	NOUN
faba-276	150	8	of	of	ADP
faba-276	150	9	perceived	perceive	VERB
faba-276	150	10	risk	risk	NOUN
faba-276	150	11	in	in	ADP
faba-276	150	12	their	their	PRON
faba-276	150	13	study	study	NOUN
faba-276	150	14	on	on	ADP
faba-276	150	15	covid-19	covid-19	PROPN
faba-276	150	16	and	and	CCONJ
faba-276	150	17	ewallet	ewallet	ADJ
faba-276	150	18	usage	usage	NOUN
faba-276	150	19	intention	intention	NOUN
faba-276	150	20	and	and	CCONJ
faba-276	150	21	had	have	AUX
faba-276	150	22	found	find	VERB
faba-276	150	23	a	a	DET
faba-276	150	24	positive	positive	ADJ
faba-276	150	25	correlation	correlation	NOUN
faba-276	150	26	between	between	ADP
faba-276	150	27	the	the	DET
faba-276	150	28	two	two	NUM
faba-276	150	29	variables	variable	NOUN
faba-276	150	30	.	.	PUNCT
faba-276	151	1	based	base	VERB
faba-276	151	2	on	on	ADP
faba-276	151	3	the	the	DET
faba-276	151	4	previous	previous	ADJ
faba-276	151	5	literature	literature	NOUN
faba-276	151	6	and	and	CCONJ
faba-276	151	7	current	current	ADJ
faba-276	151	8	market	market	NOUN
faba-276	151	9	situation	situation	NOUN
faba-276	151	10	,	,	PUNCT
faba-276	151	11	the	the	DET
faba-276	151	12	perceived	perceive	VERB
faba-276	151	13	covid-19	covid-19	PROPN
faba-276	151	14	risk	risk	NOUN
faba-276	151	15	would	would	AUX
faba-276	151	16	thus	thus	ADV
faba-276	151	17	be	be	AUX
faba-276	151	18	relevant	relevant	ADJ
faba-276	151	19	to	to	PART
faba-276	151	20	be	be	AUX
faba-276	151	21	included	include	VERB
faba-276	151	22	for	for	ADP
faba-276	151	23	this	this	DET
faba-276	151	24	study	study	NOUN
faba-276	151	25	.	.	PUNCT
faba-276	152	1	methods	method	NOUN
faba-276	152	2	theoretical	theoretical	ADJ
faba-276	152	3	framework	framework	NOUN
faba-276	152	4	some	some	PRON
faba-276	152	5	of	of	ADP
faba-276	152	6	the	the	DET
faba-276	152	7	identified	identify	VERB
faba-276	152	8	variables	variable	NOUN
faba-276	152	9	include	include	VERB
faba-276	152	10	pu	pu	PROPN
faba-276	152	11	,	,	PUNCT
faba-276	152	12	peou	peou	ADV
faba-276	152	13	,	,	PUNCT
faba-276	152	14	sn	sn	PROPN
faba-276	152	15	and	and	CCONJ
faba-276	152	16	risk	risk	NOUN
faba-276	152	17	perceived	perceive	VERB
faba-276	152	18	that	that	SCONJ
faba-276	152	19	covid-19	covid-19	PROPN
faba-276	152	20	presents	present	VERB
faba-276	152	21	,	,	PUNCT
faba-276	152	22	all	all	PRON
faba-276	152	23	of	of	ADP
faba-276	152	24	which	which	PRON
faba-276	152	25	would	would	AUX
faba-276	152	26	enhance	enhance	VERB
faba-276	152	27	the	the	DET
faba-276	152	28	proposed	propose	VERB
faba-276	152	29	overall	overall	ADJ
faba-276	152	30	objective	objective	NOUN
faba-276	152	31	of	of	ADP
faba-276	152	32	this	this	DET
faba-276	152	33	research	research	NOUN
faba-276	152	34	that	that	PRON
faba-276	152	35	is	be	AUX
faba-276	152	36	on	on	ADP
faba-276	152	37	influencing	influence	VERB
faba-276	152	38	the	the	DET
faba-276	152	39	adoption	adoption	NOUN
faba-276	152	40	of	of	ADP
faba-276	152	41	mobile	mobile	ADJ
faba-276	152	42	payment	payment	NOUN
faba-276	152	43	where	where	SCONJ
faba-276	152	44	the	the	DET
faba-276	152	45	inferring	infer	VERB
faba-276	152	46	factor	factor	NOUN
faba-276	152	47	is	be	AUX
faba-276	152	48	the	the	DET
faba-276	152	49	presence	presence	NOUN
faba-276	152	50	of	of	ADP
faba-276	152	51	covid-19	covid-19	PROPN
faba-276	152	52	in	in	ADP
faba-276	152	53	malaysia	malaysia	PROPN
faba-276	152	54	.	.	PUNCT
faba-276	153	1	figure	figure	NOUN
faba-276	153	2	1	1	NUM
faba-276	153	3	.	.	PUNCT
faba-276	153	4	theoretical	theoretical	ADJ
faba-276	153	5	framework	framework	NOUN
faba-276	153	6	of	of	ADP
faba-276	153	7	the	the	DET
faba-276	153	8	study	study	NOUN
faba-276	153	9	according	accord	VERB
faba-276	153	10	to	to	ADP
faba-276	153	11	what	what	PRON
faba-276	153	12	has	have	AUX
faba-276	153	13	been	be	AUX
faba-276	153	14	stated	state	VERB
faba-276	153	15	,	,	PUNCT
faba-276	153	16	a	a	DET
faba-276	153	17	theoretical	theoretical	ADJ
faba-276	153	18	framework	framework	NOUN
faba-276	153	19	of	of	ADP
faba-276	153	20	the	the	DET
faba-276	153	21	study	study	NOUN
faba-276	153	22	was	be	AUX
faba-276	153	23	established	establish	VERB
faba-276	153	24	as	as	SCONJ
faba-276	153	25	illustrated	illustrate	VERB
faba-276	153	26	in	in	ADP
faba-276	153	27	figure	figure	NOUN
faba-276	153	28	1	1	NUM
faba-276	153	29	above	above	ADP
faba-276	153	30	.	.	PUNCT
faba-276	154	1	in	in	ADP
faba-276	154	2	the	the	DET
faba-276	154	3	figure	figure	NOUN
faba-276	154	4	it	it	PRON
faba-276	154	5	can	can	AUX
faba-276	154	6	be	be	AUX
faba-276	154	7	observed	observe	VERB
faba-276	154	8	that	that	SCONJ
faba-276	154	9	the	the	DET
faba-276	154	10	dependent	dependent	ADJ
faba-276	154	11	variable	variable	NOUN
faba-276	154	12	(	(	PUNCT
faba-276	154	13	dv	dv	PROPN
faba-276	154	14	)	)	PUNCT
faba-276	154	15	,	,	PUNCT
faba-276	154	16	which	which	PRON
faba-276	154	17	is	be	AUX
faba-276	154	18	on	on	ADP
faba-276	154	19	the	the	DET
faba-276	154	20	variable	variable	NOUN
faba-276	154	21	of	of	ADP
faba-276	154	22	adoption	adoption	NOUN
faba-276	154	23	of	of	ADP
faba-276	154	24	mobile	mobile	ADJ
faba-276	154	25	payment	payment	NOUN
faba-276	154	26	,	,	PUNCT
faba-276	154	27	is	be	AUX
faba-276	154	28	influenced	influence	VERB
faba-276	154	29	by	by	ADP
faba-276	154	30	four	four	NUM
faba-276	154	31	independent	independent	ADJ
faba-276	154	32	variables	variable	NOUN
faba-276	154	33	(	(	PUNCT
faba-276	154	34	iv	iv	X
faba-276	154	35	)	)	PUNCT
faba-276	154	36	pu	pu	PROPN
faba-276	154	37	,	,	PUNCT
faba-276	154	38	peou	peou	ADV
faba-276	154	39	,	,	PUNCT
faba-276	154	40	sn	sn	PROPN
faba-276	154	41	and	and	CCONJ
faba-276	154	42	the	the	DET
faba-276	154	43	perceived	perceive	VERB
faba-276	154	44	risk	risk	NOUN
faba-276	154	45	of	of	ADP
faba-276	154	46	taking	take	VERB
faba-276	154	47	covid19	covid19	NOUN
faba-276	154	48	.	.	PUNCT
faba-276	155	1	research	research	NOUN
faba-276	155	2	hypotheses	hypothesis	NOUN
faba-276	155	3	from	from	ADP
faba-276	155	4	the	the	DET
faba-276	155	5	theoretical	theoretical	ADJ
faba-276	155	6	framework	framework	NOUN
faba-276	155	7	structured	structure	VERB
faba-276	155	8	in	in	ADP
faba-276	155	9	figure	figure	NOUN
faba-276	155	10	1	1	NUM
faba-276	155	11	and	and	CCONJ
faba-276	155	12	the	the	DET
faba-276	155	13	hypotheses	hypothesis	NOUN
faba-276	155	14	development	development	NOUN
faba-276	155	15	set	set	VERB
faba-276	155	16	out	out	ADP
faba-276	155	17	in	in	ADP
faba-276	155	18	the	the	DET
faba-276	155	19	literature	literature	NOUN
faba-276	155	20	section	section	NOUN
faba-276	155	21	,	,	PUNCT
faba-276	155	22	a	a	DET
faba-276	155	23	set	set	NOUN
faba-276	155	24	of	of	ADP
faba-276	155	25	hypotheses	hypothesis	NOUN
faba-276	155	26	could	could	AUX
faba-276	155	27	be	be	AUX
faba-276	155	28	formed	form	VERB
faba-276	155	29	which	which	PRON
faba-276	155	30	are	be	AUX
faba-276	155	31	as	as	SCONJ
faba-276	155	32	follows	follow	VERB
faba-276	155	33	:	:	PUNCT
faba-276	155	34	h1	h1	NOUN
faba-276	155	35	:	:	PUNCT
faba-276	155	36	subjective	subjective	ADJ
faba-276	155	37	norms	norm	NOUN
faba-276	155	38	would	would	AUX
faba-276	155	39	affect	affect	VERB
faba-276	155	40	the	the	DET
faba-276	155	41	behavioural	behavioural	ADJ
faba-276	155	42	intention	intention	NOUN
faba-276	155	43	to	to	PART
faba-276	155	44	adopt	adopt	VERB
faba-276	155	45	mobile	mobile	ADJ
faba-276	155	46	payment	payment	NOUN
faba-276	155	47	h2	h2	NOUN
faba-276	155	48	:	:	PUNCT
faba-276	155	49	perceived	perceive	VERB
faba-276	155	50	usefulness	usefulness	NOUN
faba-276	155	51	would	would	AUX
faba-276	155	52	affect	affect	VERB
faba-276	155	53	the	the	DET
faba-276	155	54	behavioural	behavioural	ADJ
faba-276	155	55	intention	intention	NOUN
faba-276	155	56	to	to	PART
faba-276	155	57	adopt	adopt	VERB
faba-276	155	58	mobile	mobile	ADJ
faba-276	155	59	payment	payment	NOUN
faba-276	155	60	h3	h3	NOUN
faba-276	155	61	:	:	PUNCT
faba-276	155	62	perceived	perceive	VERB
faba-276	155	63	ease	ease	NOUN
faba-276	155	64	of	of	ADP
faba-276	155	65	use	use	NOUN
faba-276	155	66	would	would	AUX
faba-276	155	67	affect	affect	VERB
faba-276	155	68	the	the	DET
faba-276	155	69	behavioural	behavioural	ADJ
faba-276	155	70	intention	intention	NOUN
faba-276	155	71	to	to	PART
faba-276	155	72	adopt	adopt	VERB
faba-276	155	73	mobile	mobile	ADJ
faba-276	155	74	payment	payment	NOUN
faba-276	155	75	h4	h4	NOUN
faba-276	155	76	:	:	PUNCT
faba-276	155	77	perceived	perceive	VERB
faba-276	155	78	covid-19	covid-19	PROPN
faba-276	155	79	risk	risk	NOUN
faba-276	155	80	would	would	AUX
faba-276	155	81	affect	affect	VERB
faba-276	155	82	the	the	DET
faba-276	155	83	behavioural	behavioural	ADJ
faba-276	155	84	intention	intention	NOUN
faba-276	155	85	to	to	PART
faba-276	155	86	adopt	adopt	VERB
faba-276	155	87	mobile	mobile	ADJ
faba-276	155	88	payment	payment	NOUN
faba-276	155	89	data	datum	NOUN
faba-276	155	90	collection	collection	NOUN
faba-276	155	91	the	the	DET
faba-276	155	92	population	population	NOUN
faba-276	155	93	of	of	ADP
faba-276	155	94	the	the	DET
faba-276	155	95	study	study	NOUN
faba-276	155	96	would	would	AUX
faba-276	155	97	involve	involve	VERB
faba-276	155	98	malaysians	malaysians	PROPN
faba-276	155	99	aged	age	VERB
faba-276	155	100	18	18	NUM
faba-276	155	101	years	year	NOUN
faba-276	155	102	old	old	ADJ
faba-276	155	103	,	,	PUNCT
faba-276	155	104	and	and	CCONJ
faba-276	155	105	above	above	ADP
faba-276	155	106	which	which	PRON
faba-276	155	107	falls	fall	VERB
faba-276	155	108	within	within	ADP
faba-276	155	109	above	above	ADP
faba-276	155	110	the	the	DET
faba-276	155	111	age	age	NOUN
faba-276	155	112	of	of	ADP
faba-276	155	113	minority	minority	NOUN
faba-276	155	114	who	who	PRON
faba-276	155	115	otherwise	otherwise	ADV
faba-276	155	116	would	would	AUX
faba-276	155	117	not	not	PART
faba-276	155	118	have	have	VERB
faba-276	155	119	the	the	DET
faba-276	155	120	ability	ability	NOUN
faba-276	155	121	and	and	CCONJ
faba-276	155	122	capacity	capacity	NOUN
faba-276	155	123	to	to	PART
faba-276	155	124	contract	contract	VERB
faba-276	155	125	(	(	PUNCT
faba-276	155	126	agc	agc	PROPN
faba-276	155	127	2006	2006	NUM
faba-276	155	128	)	)	PUNCT
faba-276	155	129	.	.	PUNCT
faba-276	156	1	the	the	DET
faba-276	156	2	population	population	NOUN
faba-276	156	3	of	of	ADP
faba-276	156	4	the	the	DET
faba-276	156	5	study	study	NOUN
faba-276	156	6	is	be	AUX
faba-276	156	7	23.6	23.6	NUM
faba-276	156	8	million	million	NUM
faba-276	156	9	(	(	PUNCT
faba-276	156	10	world	world	NOUN
faba-276	156	11	population	population	NOUN
faba-276	156	12	review	review	NOUN
faba-276	156	13	,	,	PUNCT
faba-276	156	14	2021	2021	NUM
faba-276	156	15	)	)	PUNCT
faba-276	156	16	.	.	PUNCT
faba-276	157	1	the	the	DET
faba-276	157	2	sampling	sample	VERB
faba-276	157	3	size	size	NOUN
faba-276	157	4	,	,	PUNCT
faba-276	157	5	however	however	ADV
faba-276	157	6	,	,	PUNCT
faba-276	157	7	is	be	AUX
faba-276	157	8	taken	take	VERB
faba-276	157	9	from	from	ADP
faba-276	157	10	the	the	DET
faba-276	157	11	population	population	NOUN
faba-276	157	12	of	of	ADP
faba-276	157	13	study	study	NOUN
faba-276	157	14	based	base	VERB
faba-276	157	15	on	on	ADP
faba-276	157	16	a	a	DET
faba-276	157	17	confidence	confidence	NOUN
faba-276	157	18	level	level	NOUN
faba-276	157	19	of	of	ADP
faba-276	157	20	95	95	NUM
faba-276	157	21	%	%	NOUN
faba-276	157	22	along	along	ADP
faba-276	157	23	with	with	ADP
faba-276	157	24	a	a	DET
faba-276	157	25	5	5	NUM
faba-276	157	26	%	%	NOUN
faba-276	157	27	margin	margin	NOUN
faba-276	157	28	of	of	ADP
faba-276	157	29	error	error	NOUN
faba-276	157	30	is	be	AUX
faba-276	157	31	used	use	VERB
faba-276	157	32	in	in	ADP
faba-276	157	33	this	this	DET
faba-276	157	34	study	study	NOUN
faba-276	157	35	where	where	SCONJ
faba-276	157	36	the	the	DET
faba-276	157	37	relationship	relationship	NOUN
faba-276	157	38	between	between	ADP
faba-276	157	39	the	the	DET
faba-276	157	40	sample	sample	NOUN
faba-276	157	41	size	size	NOUN
faba-276	157	42	and	and	CCONJ
faba-276	157	43	total	total	ADJ
faba-276	157	44	population	population	NOUN
faba-276	157	45	has	have	VERB
faba-276	157	46	a	a	DET
faba-276	157	47	diminishing	diminishing	NOUN
faba-276	157	48	relationship	relationship	NOUN
faba-276	157	49	and	and	CCONJ
faba-276	157	50	remains	remain	VERB
faba-276	157	51	relatively	relatively	ADV
faba-276	157	52	constant	constant	ADJ
faba-276	157	53	at	at	ADP
faba-276	157	54	slightly	slightly	ADV
faba-276	157	55	above	above	ADP
faba-276	157	56	a	a	DET
faba-276	157	57	quantity	quantity	NOUN
faba-276	157	58	of	of	ADP
faba-276	157	59	380	380	NUM
faba-276	157	60	.	.	PUNCT
faba-276	158	1	the	the	DET
faba-276	158	2	table	table	NOUN
faba-276	158	3	included	include	VERB
faba-276	158	4	in	in	ADP
faba-276	158	5	the	the	DET
faba-276	158	6	study	study	NOUN
faba-276	158	7	by	by	ADP
faba-276	158	8	krejcie	krejcie	NOUN
faba-276	158	9	and	and	CCONJ
faba-276	158	10	perceived	perceive	VERB
faba-276	158	11	usefulness	usefulness	NOUN
faba-276	158	12	perceived	perceive	VERB
faba-276	158	13	ease	ease	NOUN
faba-276	158	14	of	of	ADP
faba-276	158	15	use	use	NOUN
faba-276	158	16	subjective	subjective	ADJ
faba-276	158	17	norms	norm	NOUN
faba-276	158	18	perceived	perceive	VERB
faba-276	158	19	covid-19	covid-19	PROPN
faba-276	158	20	risk	risk	NOUN
faba-276	158	21	behavioural	behavioural	ADJ
faba-276	158	22	intention	intention	NOUN
faba-276	158	23	to	to	PART
faba-276	158	24	adopt	adopt	VERB
faba-276	158	25	mobile	mobile	ADJ
faba-276	158	26	payment	payment	NOUN
faba-276	158	27	independent	independent	ADJ
faba-276	158	28	variable	variable	ADJ
faba-276	158	29	dependent	dependent	ADJ
faba-276	158	30	variable	variable	ADJ
faba-276	158	31	rushaizzad	rushaizzad	NOUN
faba-276	158	32	a.rahim	a.rahim	PRON
faba-276	158	33	and	and	CCONJ
faba-276	158	34	jaizah	jaizah	VERB
faba-276	158	35	othman	othman	PROPN
faba-276	158	36	/	/	SYM
faba-276	158	37	finance	finance	NOUN
faba-276	158	38	,	,	PUNCT
faba-276	158	39	accounting	accounting	NOUN
faba-276	158	40	and	and	CCONJ
faba-276	158	41	business	business	NOUN
faba-276	158	42	analysis	analysis	NOUN
faba-276	158	43	,	,	PUNCT
faba-276	158	44	volume	volume	NOUN
faba-276	158	45	7	7	NUM
faba-276	158	46	issue	issue	NOUN
faba-276	158	47	2	2	NUM
faba-276	158	48	,	,	PUNCT
faba-276	158	49	2025	2025	NUM
faba-276	158	50	173	173	NUM
faba-276	158	51	morgan	morgan	NOUN
faba-276	158	52	(	(	PUNCT
faba-276	158	53	1970	1970	NUM
faba-276	158	54	)	)	PUNCT
faba-276	158	55	states	state	VERB
faba-276	158	56	that	that	SCONJ
faba-276	158	57	for	for	ADP
faba-276	158	58	a	a	DET
faba-276	158	59	total	total	ADJ
faba-276	158	60	population	population	NOUN
faba-276	158	61	of	of	ADP
faba-276	158	62	1	1	NUM
faba-276	158	63	million	million	NUM
faba-276	158	64	people	people	NOUN
faba-276	158	65	and	and	CCONJ
faba-276	158	66	above	above	ADV
faba-276	158	67	,	,	PUNCT
faba-276	158	68	only	only	ADV
faba-276	158	69	384	384	NUM
faba-276	158	70	respondents	respondent	NOUN
faba-276	158	71	are	be	AUX
faba-276	158	72	required	require	VERB
faba-276	158	73	as	as	ADP
faba-276	158	74	the	the	DET
faba-276	158	75	sample	sample	NOUN
faba-276	158	76	size	size	NOUN
faba-276	158	77	.	.	PUNCT
faba-276	159	1	the	the	DET
faba-276	159	2	study	study	NOUN
faba-276	159	3	used	use	VERB
faba-276	159	4	a	a	DET
faba-276	159	5	probability	probability	NOUN
faba-276	159	6	sampling	sampling	NOUN
faba-276	159	7	method	method	NOUN
faba-276	159	8	in	in	ADP
faba-276	159	9	which	which	PRON
faba-276	159	10	all	all	DET
faba-276	159	11	malaysians	malaysians	PROPN
faba-276	159	12	aged	age	VERB
faba-276	159	13	18	18	NUM
faba-276	159	14	and	and	CCONJ
faba-276	159	15	above	above	ADV
faba-276	159	16	have	have	VERB
faba-276	159	17	a	a	DET
faba-276	159	18	probabilistic	probabilistic	ADJ
faba-276	159	19	chance	chance	NOUN
faba-276	159	20	of	of	ADP
faba-276	159	21	being	be	AUX
faba-276	159	22	selected	select	VERB
faba-276	159	23	as	as	ADP
faba-276	159	24	sample	sample	NOUN
faba-276	159	25	subjects	subject	NOUN
faba-276	159	26	.	.	PUNCT
faba-276	160	1	probabilistic	probabilistic	ADJ
faba-276	160	2	sampling	sampling	NOUN
faba-276	160	3	design	design	NOUN
faba-276	160	4	is	be	AUX
faba-276	160	5	the	the	DET
faba-276	160	6	most	most	ADV
faba-276	160	7	logical	logical	ADJ
faba-276	160	8	approach	approach	NOUN
faba-276	160	9	to	to	PART
faba-276	160	10	be	be	AUX
faba-276	160	11	used	use	VERB
faba-276	160	12	as	as	SCONJ
faba-276	160	13	the	the	DET
faba-276	160	14	study	study	NOUN
faba-276	160	15	would	would	AUX
faba-276	160	16	require	require	VERB
faba-276	160	17	wider	wide	ADJ
faba-276	160	18	generalization	generalization	NOUN
faba-276	160	19	to	to	PART
faba-276	160	20	provide	provide	VERB
faba-276	160	21	a	a	DET
faba-276	160	22	better	well	ADJ
faba-276	160	23	representation	representation	NOUN
faba-276	160	24	of	of	ADP
faba-276	160	25	the	the	DET
faba-276	160	26	population	population	NOUN
faba-276	160	27	.	.	PUNCT
faba-276	161	1	there	there	PRON
faba-276	161	2	were	be	VERB
faba-276	161	3	400	400	NUM
faba-276	161	4	responses	response	NOUN
faba-276	161	5	gathered	gather	VERB
faba-276	161	6	by	by	ADP
faba-276	161	7	use	use	NOUN
faba-276	161	8	of	of	ADP
faba-276	161	9	an	an	DET
faba-276	161	10	online	online	ADJ
faba-276	161	11	questionnaire	questionnaire	NOUN
faba-276	161	12	of	of	ADP
faba-276	161	13	which	which	PRON
faba-276	161	14	393	393	NUM
faba-276	161	15	were	be	AUX
faba-276	161	16	analysed	analyse	VERB
faba-276	161	17	after	after	ADP
faba-276	161	18	excluding	exclude	VERB
faba-276	161	19	the	the	DET
faba-276	161	20	invalid	invalid	ADJ
faba-276	161	21	responses	response	NOUN
faba-276	161	22	.	.	PUNCT
faba-276	162	1	the	the	DET
faba-276	162	2	7	7	NUM
faba-276	162	3	omitted	omit	VERB
faba-276	162	4	responses	response	NOUN
faba-276	162	5	failed	fail	VERB
faba-276	162	6	to	to	PART
faba-276	162	7	fit	fit	VERB
faba-276	162	8	the	the	DET
faba-276	162	9	expected	expect	VERB
faba-276	162	10	age	age	NOUN
faba-276	162	11	-	-	PUNCT
faba-276	162	12	bracket	bracket	NOUN
faba-276	162	13	.	.	PUNCT
faba-276	163	1	the	the	DET
faba-276	163	2	analysis	analysis	NOUN
faba-276	163	3	of	of	ADP
faba-276	163	4	the	the	DET
faba-276	163	5	data	datum	NOUN
faba-276	163	6	was	be	AUX
faba-276	163	7	carried	carry	VERB
faba-276	163	8	out	out	ADP
faba-276	163	9	based	base	VERB
faba-276	163	10	on	on	ADP
faba-276	163	11	the	the	DET
faba-276	163	12	data	datum	NOUN
faba-276	163	13	that	that	PRON
faba-276	163	14	has	have	AUX
faba-276	163	15	already	already	ADV
faba-276	163	16	been	be	AUX
faba-276	163	17	coded	code	VERB
faba-276	163	18	by	by	ADP
faba-276	163	19	utilizing	utilize	VERB
faba-276	163	20	statistical	statistical	ADJ
faba-276	163	21	package	package	NOUN
faba-276	163	22	for	for	ADP
faba-276	163	23	social	social	ADJ
faba-276	163	24	sciences	science	NOUN
faba-276	163	25	,	,	PUNCT
faba-276	163	26	or	or	CCONJ
faba-276	163	27	spss	spss	PROPN
faba-276	163	28	,	,	PUNCT
faba-276	163	29	version	version	NOUN
faba-276	163	30	26	26	NUM
faba-276	163	31	.	.	PUNCT
faba-276	164	1	the	the	DET
faba-276	164	2	data	datum	NOUN
faba-276	164	3	analysis	analysis	NOUN
faba-276	164	4	procedure	procedure	NOUN
faba-276	164	5	that	that	PRON
faba-276	164	6	was	be	AUX
faba-276	164	7	carried	carry	VERB
faba-276	164	8	out	out	ADP
faba-276	164	9	and	and	CCONJ
faba-276	164	10	categorized	categorize	VERB
faba-276	164	11	under	under	ADP
faba-276	164	12	statistical	statistical	ADJ
faba-276	164	13	method	method	NOUN
faba-276	164	14	entailed	entail	VERB
faba-276	164	15	carrying	carry	VERB
faba-276	164	16	out	out	ADP
faba-276	164	17	a	a	DET
faba-276	164	18	descriptive	descriptive	ADJ
faba-276	164	19	analysis	analysis	NOUN
faba-276	164	20	of	of	ADP
faba-276	164	21	the	the	DET
faba-276	164	22	demographics	demographic	NOUN
faba-276	164	23	,	,	PUNCT
faba-276	164	24	a	a	DET
faba-276	164	25	reliability	reliability	NOUN
faba-276	164	26	test	test	NOUN
faba-276	164	27	,	,	PUNCT
faba-276	164	28	correlation	correlation	NOUN
faba-276	164	29	test	test	NOUN
faba-276	164	30	,	,	PUNCT
faba-276	164	31	and	and	CCONJ
faba-276	164	32	a	a	DET
faba-276	164	33	multiple	multiple	ADJ
faba-276	164	34	regression	regression	NOUN
faba-276	164	35	analysis	analysis	NOUN
faba-276	164	36	.	.	PUNCT
faba-276	165	1	results	result	NOUN
faba-276	165	2	and	and	CCONJ
faba-276	165	3	discussion	discussion	NOUN
faba-276	165	4	descriptive	descriptive	ADJ
faba-276	165	5	statistics	statistic	NOUN
faba-276	165	6	four	four	NUM
faba-276	165	7	questions	question	NOUN
faba-276	165	8	were	be	AUX
faba-276	165	9	asked	ask	VERB
faba-276	165	10	with	with	ADP
faba-276	165	11	regards	regard	NOUN
faba-276	165	12	to	to	ADP
faba-276	165	13	demographics	demographic	NOUN
faba-276	165	14	involving	involve	VERB
faba-276	165	15	gender	gender	NOUN
faba-276	165	16	,	,	PUNCT
faba-276	165	17	age	age	NOUN
faba-276	165	18	,	,	PUNCT
faba-276	165	19	education	education	NOUN
faba-276	165	20	level	level	NOUN
faba-276	165	21	and	and	CCONJ
faba-276	165	22	employment	employment	NOUN
faba-276	165	23	status	status	NOUN
faba-276	165	24	.	.	PUNCT
faba-276	166	1	these	these	DET
faba-276	166	2	demographics	demographic	NOUN
faba-276	166	3	were	be	AUX
faba-276	166	4	analysed	analyse	VERB
faba-276	166	5	and	and	CCONJ
faba-276	166	6	presented	present	VERB
faba-276	166	7	as	as	ADP
faba-276	166	8	per	per	ADP
faba-276	166	9	table	table	NOUN
faba-276	166	10	1	1	NUM
faba-276	166	11	.	.	PUNCT
faba-276	166	12	table	table	NOUN
faba-276	166	13	1	1	NUM
faba-276	166	14	.	.	PUNCT
faba-276	167	1	demographic	demographic	ADJ
faba-276	167	2	profile	profile	NOUN
faba-276	167	3	demographics	demographic	NOUN
faba-276	167	4	frequency	frequency	NOUN
faba-276	167	5	percentage	percentage	NOUN
faba-276	167	6	(	(	PUNCT
faba-276	167	7	%	%	NOUN
faba-276	167	8	)	)	PUNCT
faba-276	167	9	gender	gender	NOUN
faba-276	167	10	male	male	NOUN
faba-276	167	11	156	156	NUM
faba-276	167	12	40	40	NUM
faba-276	167	13	female	female	ADJ
faba-276	167	14	237	237	NUM
faba-276	167	15	60	60	NUM
faba-276	167	16	age	age	NOUN
faba-276	167	17	18	18	NUM
faba-276	167	18	-	-	SYM
faba-276	167	19	29	29	NUM
faba-276	167	20	years	year	NOUN
faba-276	167	21	old	old	ADJ
faba-276	167	22	98	98	NUM
faba-276	167	23	25	25	NUM
faba-276	167	24	30	30	NUM
faba-276	167	25	-	-	SYM
faba-276	167	26	39	39	NUM
faba-276	167	27	years	year	NOUN
faba-276	167	28	old	old	ADJ
faba-276	167	29	85	85	NUM
faba-276	167	30	22	22	NUM
faba-276	167	31	40	40	NUM
faba-276	167	32	-	-	SYM
faba-276	167	33	49	49	NUM
faba-276	167	34	years	year	NOUN
faba-276	167	35	old	old	ADJ
faba-276	167	36	172	172	NUM
faba-276	167	37	44	44	NUM
faba-276	167	38	50	50	NUM
faba-276	167	39	-	-	SYM
faba-276	167	40	59	59	NUM
faba-276	167	41	years	year	NOUN
faba-276	167	42	old	old	ADJ
faba-276	167	43	33	33	NUM
faba-276	167	44	8	8	NUM
faba-276	167	45	60	60	NUM
faba-276	167	46	years	year	NOUN
faba-276	167	47	old	old	ADJ
faba-276	167	48	and	and	CCONJ
faba-276	167	49	above	above	ADP
faba-276	167	50	5	5	NUM
faba-276	167	51	1	1	NUM
faba-276	167	52	education	education	NOUN
faba-276	167	53	level	level	NOUN
faba-276	167	54	mce	mce	PROPN
faba-276	167	55	/	/	SYM
faba-276	167	56	spm	spm	PROPN
faba-276	167	57	29	29	NUM
faba-276	167	58	8	8	NUM
faba-276	167	59	diploma	diploma	NOUN
faba-276	167	60	/	/	SYM
faba-276	167	61	foundation	foundation	NOUN
faba-276	167	62	/	/	SYM
faba-276	167	63	matriculation	matriculation	NOUN
faba-276	167	64	76	76	NUM
faba-276	167	65	19	19	NUM
faba-276	167	66	bachelor	bachelor	NOUN
faba-276	167	67	’s	’s	NOUN
faba-276	167	68	degree	degree	NOUN
faba-276	167	69	/	/	SYM
faba-276	167	70	professional	professional	ADJ
faba-276	167	71	degree	degree	NOUN
faba-276	167	72	216	216	NUM
faba-276	167	73	55	55	NUM
faba-276	167	74	postgraduate	postgraduate	NOUN
faba-276	167	75	degree	degree	NOUN
faba-276	167	76	72	72	NUM
faba-276	167	77	18	18	NUM
faba-276	167	78	employment	employment	NOUN
faba-276	167	79	level	level	NOUN
faba-276	167	80	employee	employee	NOUN
faba-276	167	81	273	273	NUM
faba-276	167	82	69	69	NUM
faba-276	167	83	self	self	NOUN
faba-276	167	84	-	-	PUNCT
faba-276	167	85	employed	employ	VERB
faba-276	167	86	62	62	NUM
faba-276	167	87	16	16	NUM
faba-276	167	88	unemployed	unemployed	ADJ
faba-276	167	89	58	58	NUM
faba-276	167	90	15	15	NUM
faba-276	167	91	source	source	NOUN
faba-276	167	92	:	:	PUNCT
faba-276	167	93	compiled	compile	VERB
faba-276	167	94	by	by	ADP
faba-276	167	95	authors	author	NOUN
faba-276	167	96	.	.	PUNCT
faba-276	168	1	the	the	DET
faba-276	168	2	demographic	demographic	ADJ
faba-276	168	3	profile	profile	NOUN
faba-276	168	4	of	of	ADP
faba-276	168	5	the	the	DET
faba-276	168	6	study	study	NOUN
faba-276	168	7	has	have	AUX
faba-276	168	8	been	be	AUX
faba-276	168	9	summarized	summarize	VERB
faba-276	168	10	in	in	ADP
faba-276	168	11	table	table	NOUN
faba-276	168	12	1	1	NUM
faba-276	168	13	above	above	ADV
faba-276	168	14	as	as	ADP
faba-276	168	15	a	a	DET
faba-276	168	16	tabulation	tabulation	NOUN
faba-276	168	17	of	of	ADP
faba-276	168	18	the	the	DET
faba-276	168	19	gender	gender	NOUN
faba-276	168	20	,	,	PUNCT
faba-276	168	21	age	age	NOUN
faba-276	168	22	,	,	PUNCT
faba-276	168	23	level	level	NOUN
faba-276	168	24	of	of	ADP
faba-276	168	25	education	education	NOUN
faba-276	168	26	and	and	CCONJ
faba-276	168	27	their	their	PRON
faba-276	168	28	employment	employment	NOUN
faba-276	168	29	status	status	NOUN
faba-276	168	30	of	of	ADP
faba-276	168	31	the	the	DET
faba-276	168	32	respondents	respondent	NOUN
faba-276	168	33	.	.	PUNCT
faba-276	169	1	the	the	DET
faba-276	169	2	table	table	NOUN
faba-276	169	3	shows	show	VERB
faba-276	169	4	a	a	DET
faba-276	169	5	gender	gender	NOUN
faba-276	169	6	breakdown	breakdown	NOUN
faba-276	169	7	of	of	ADP
faba-276	169	8	the	the	DET
faba-276	169	9	respondents	respondent	NOUN
faba-276	169	10	whereby	whereby	SCONJ
faba-276	169	11	out	out	ADP
faba-276	169	12	of	of	ADP
faba-276	169	13	the	the	DET
faba-276	169	14	393	393	NUM
faba-276	169	15	total	total	ADJ
faba-276	169	16	respondents	respondent	NOUN
faba-276	169	17	237	237	NUM
faba-276	169	18	respondents	respondent	NOUN
faba-276	169	19	,	,	PUNCT
faba-276	169	20	a	a	DET
faba-276	169	21	majority	majority	NOUN
faba-276	169	22	of	of	ADP
faba-276	169	23	the	the	DET
faba-276	169	24	sample	sample	NOUN
faba-276	169	25	population	population	NOUN
faba-276	169	26	or	or	CCONJ
faba-276	169	27	60	60	NUM
faba-276	169	28	percent	percent	NOUN
faba-276	169	29	are	be	AUX
faba-276	169	30	the	the	DET
faba-276	169	31	females	female	NOUN
faba-276	169	32	,	,	PUNCT
faba-276	169	33	and	and	CCONJ
faba-276	169	34	the	the	DET
faba-276	169	35	156	156	NUM
faba-276	169	36	respondents	respondent	NOUN
faba-276	169	37	or	or	CCONJ
faba-276	169	38	40	40	NUM
faba-276	169	39	percent	percent	NOUN
faba-276	169	40	are	be	AUX
faba-276	169	41	male	male	ADJ
faba-276	169	42	.	.	PUNCT
faba-276	170	1	in	in	ADP
faba-276	170	2	addition	addition	NOUN
faba-276	170	3	,	,	PUNCT
faba-276	170	4	out	out	ADP
faba-276	170	5	of	of	ADP
faba-276	170	6	the	the	DET
faba-276	170	7	total	total	ADJ
faba-276	170	8	respondents	respondent	NOUN
faba-276	170	9	,	,	PUNCT
faba-276	170	10	about	about	ADV
faba-276	170	11	90	90	NUM
faba-276	170	12	%	%	NOUN
faba-276	170	13	of	of	ADP
faba-276	170	14	the	the	DET
faba-276	170	15	respondents	respondent	NOUN
faba-276	170	16	are	be	AUX
faba-276	170	17	below	below	ADP
faba-276	170	18	the	the	DET
faba-276	170	19	age	age	NOUN
faba-276	170	20	of	of	ADP
faba-276	170	21	50	50	NUM
faba-276	170	22	,	,	PUNCT
faba-276	170	23	with	with	ADP
faba-276	170	24	47	47	NUM
faba-276	170	25	%	%	NOUN
faba-276	170	26	between	between	ADP
faba-276	170	27	18	18	NUM
faba-276	170	28	to	to	PART
faba-276	170	29	39	39	NUM
faba-276	170	30	years	year	NOUN
faba-276	170	31	old	old	ADJ
faba-276	170	32	and	and	CCONJ
faba-276	170	33	44	44	NUM
faba-276	170	34	%	%	NOUN
faba-276	170	35	between	between	ADP
faba-276	170	36	40	40	NUM
faba-276	170	37	to	to	PART
faba-276	170	38	49	49	NUM
faba-276	170	39	years	year	NOUN
faba-276	170	40	old	old	ADJ
faba-276	170	41	.	.	PUNCT
faba-276	171	1	it	it	PRON
faba-276	171	2	is	be	AUX
faba-276	171	3	interesting	interesting	ADJ
faba-276	171	4	to	to	PART
faba-276	171	5	note	note	VERB
faba-276	171	6	that	that	SCONJ
faba-276	171	7	the	the	DET
faba-276	171	8	age	age	NOUN
faba-276	171	9	group	group	NOUN
faba-276	171	10	mix	mix	NOUN
faba-276	171	11	would	would	AUX
faba-276	171	12	have	have	VERB
faba-276	171	13	an	an	DET
faba-276	171	14	almost	almost	ADV
faba-276	171	15	even	even	ADJ
faba-276	171	16	distribution	distribution	NOUN
faba-276	171	17	between	between	ADP
faba-276	171	18	those	those	PRON
faba-276	171	19	aged	age	VERB
faba-276	171	20	between	between	ADP
faba-276	171	21	18	18	NUM
faba-276	171	22	to	to	PART
faba-276	171	23	39	39	NUM
faba-276	171	24	years	year	NOUN
faba-276	171	25	old	old	ADJ
faba-276	171	26	who	who	PRON
faba-276	171	27	are	be	AUX
faba-276	171	28	assumed	assume	VERB
faba-276	171	29	to	to	PART
faba-276	171	30	be	be	AUX
faba-276	171	31	more	more	ADV
faba-276	171	32	technologically	technologically	ADV
faba-276	171	33	adapted	adapt	VERB
faba-276	171	34	and	and	CCONJ
faba-276	171	35	with	with	ADP
faba-276	171	36	those	those	PRON
faba-276	171	37	aged	age	VERB
faba-276	171	38	between	between	ADP
faba-276	171	39	40	40	NUM
faba-276	171	40	to	to	PART
faba-276	171	41	49	49	NUM
faba-276	171	42	years	year	NOUN
faba-276	171	43	old	old	ADJ
faba-276	171	44	.	.	PUNCT
faba-276	172	1	73	73	NUM
faba-276	172	2	%	%	NOUN
faba-276	172	3	of	of	ADP
faba-276	172	4	the	the	DET
faba-276	172	5	respondents	respondent	NOUN
faba-276	172	6	have	have	VERB
faba-276	172	7	a	a	DET
faba-276	172	8	bachelor	bachelor	NOUN
faba-276	172	9	’s	’s	PART
faba-276	172	10	degree	degree	NOUN
faba-276	172	11	(	(	PUNCT
faba-276	172	12	55	55	NUM
faba-276	172	13	%	%	NOUN
faba-276	172	14	)	)	PUNCT
faba-276	172	15	or	or	CCONJ
faba-276	172	16	higher	high	ADJ
faba-276	172	17	(	(	PUNCT
faba-276	172	18	19	19	NUM
faba-276	172	19	%	%	NOUN
faba-276	172	20	)	)	PUNCT
faba-276	172	21	with	with	ADP
faba-276	172	22	69	69	NUM
faba-276	172	23	%	%	NOUN
faba-276	172	24	of	of	ADP
faba-276	172	25	the	the	DET
faba-276	172	26	total	total	ADJ
faba-276	172	27	respondents	respondent	NOUN
faba-276	172	28	are	be	AUX
faba-276	172	29	employed	employ	VERB
faba-276	172	30	.	.	PUNCT
faba-276	173	1	a	a	DET
faba-276	173	2	higher	high	ADJ
faba-276	173	3	level	level	NOUN
faba-276	173	4	of	of	ADP
faba-276	173	5	education	education	NOUN
faba-276	173	6	and	and	CCONJ
faba-276	173	7	employment	employment	NOUN
faba-276	173	8	may	may	AUX
faba-276	173	9	indicate	indicate	VERB
faba-276	173	10	better	well	ADJ
faba-276	173	11	capability	capability	NOUN
faba-276	173	12	,	,	PUNCT
faba-276	173	13	openness	openness	NOUN
faba-276	173	14	and	and	CCONJ
faba-276	173	15	exposure	exposure	NOUN
faba-276	173	16	to	to	ADP
faba-276	173	17	adopting	adopt	VERB
faba-276	173	18	newer	new	ADJ
faba-276	173	19	technologies	technology	NOUN
faba-276	173	20	such	such	ADJ
faba-276	173	21	as	as	ADP
faba-276	173	22	mobile	mobile	ADJ
faba-276	173	23	payment	payment	NOUN
faba-276	173	24	which	which	PRON
faba-276	173	25	may	may	AUX
faba-276	173	26	provide	provide	VERB
faba-276	173	27	relevant	relevant	ADJ
faba-276	173	28	data	datum	NOUN
faba-276	173	29	for	for	ADP
faba-276	173	30	this	this	DET
faba-276	173	31	study	study	NOUN
faba-276	173	32	.	.	PUNCT
faba-276	174	1	reliability	reliability	NOUN
faba-276	174	2	analysis	analysis	NOUN
faba-276	174	3	reliability	reliability	NOUN
faba-276	174	4	analysis	analysis	NOUN
faba-276	174	5	is	be	AUX
faba-276	174	6	a	a	DET
faba-276	174	7	decision	decision	NOUN
faba-276	174	8	tool	tool	NOUN
faba-276	174	9	to	to	PART
faba-276	174	10	provide	provide	VERB
faba-276	174	11	a	a	DET
faba-276	174	12	scale	scale	NOUN
faba-276	174	13	of	of	ADP
faba-276	174	14	measurement	measurement	NOUN
faba-276	174	15	to	to	PART
faba-276	174	16	evaluate	evaluate	VERB
faba-276	174	17	the	the	DET
faba-276	174	18	consistency	consistency	NOUN
faba-276	174	19	over	over	ADP
faba-276	174	20	time	time	NOUN
faba-276	174	21	or	or	CCONJ
faba-276	174	22	stability	stability	NOUN
faba-276	174	23	over	over	ADP
faba-276	174	24	a	a	DET
faba-276	174	25	variety	variety	NOUN
faba-276	174	26	of	of	ADP
faba-276	174	27	conditions	condition	NOUN
faba-276	174	28	(	(	PUNCT
faba-276	174	29	drost	drost	NOUN
faba-276	174	30	2011	2011	NUM
faba-276	174	31	)	)	PUNCT
faba-276	174	32	.	.	PUNCT
faba-276	175	1	cronbach	cronbach	PROPN
faba-276	175	2	’s	’s	PART
faba-276	175	3	alpha	alpha	NOUN
faba-276	175	4	is	be	AUX
faba-276	175	5	used	use	VERB
faba-276	175	6	to	to	PART
faba-276	175	7	determine	determine	VERB
faba-276	175	8	the	the	DET
faba-276	175	9	internal	internal	ADJ
faba-276	175	10	consistency	consistency	NOUN
faba-276	175	11	based	base	VERB
faba-276	175	12	on	on	ADP
faba-276	175	13	the	the	DET
faba-276	175	14	alpha	alpha	NOUN
faba-276	175	15	value	value	NOUN
faba-276	175	16	(	(	PUNCT
faba-276	175	17	george	george	NOUN
faba-276	175	18	and	and	CCONJ
faba-276	175	19	mallery	mallery	NOUN
faba-276	175	20	2003	2003	NUM
faba-276	175	21	)	)	PUNCT
faba-276	175	22	.	.	PUNCT
faba-276	176	1	rushaizzad	rushaizzad	PROPN
faba-276	176	2	a.rahim	a.rahim	PRON
faba-276	176	3	and	and	CCONJ
faba-276	176	4	jaizah	jaizah	VERB
faba-276	176	5	othman	othman	PROPN
faba-276	176	6	/	/	SYM
faba-276	176	7	finance	finance	NOUN
faba-276	176	8	,	,	PUNCT
faba-276	176	9	accounting	accounting	NOUN
faba-276	176	10	and	and	CCONJ
faba-276	176	11	business	business	NOUN
faba-276	176	12	analysis	analysis	NOUN
faba-276	176	13	,	,	PUNCT
faba-276	176	14	volume	volume	NOUN
faba-276	176	15	7	7	NUM
faba-276	176	16	issue	issue	NOUN
faba-276	176	17	2	2	NUM
faba-276	176	18	,	,	PUNCT
faba-276	176	19	2025	2025	NUM
faba-276	176	20	174	174	NUM
faba-276	176	21	table	table	NOUN
faba-276	176	22	2	2	NUM
faba-276	176	23	:	:	PUNCT
faba-276	176	24	reliability	reliability	NOUN
faba-276	176	25	statistics	statistic	NOUN
faba-276	176	26	cronbach	cronbach	VERB
faba-276	176	27	's	's	PART
faba-276	176	28	alpha	alpha	NOUN
faba-276	176	29	n	n	PROPN
faba-276	176	30	of	of	ADP
faba-276	176	31	items	item	NOUN
faba-276	176	32	sn	sn	VERB
faba-276	176	33	0.886	0.886	NUM
faba-276	176	34	4	4	NUM
faba-276	176	35	peou	peou	ADV
faba-276	176	36	0.860	0.860	NUM
faba-276	176	37	3	3	NUM
faba-276	176	38	pu	pu	NOUN
faba-276	176	39	0.879	0.879	NUM
faba-276	176	40	4	4	NUM
faba-276	176	41	perceived	perceive	VERB
faba-276	176	42	covid-19	covid-19	PROPN
faba-276	176	43	risk	risk	NOUN
faba-276	176	44	0.922	0.922	NUM
faba-276	176	45	3	3	NUM
faba-276	176	46	source	source	NOUN
faba-276	176	47	:	:	PUNCT
faba-276	176	48	compiled	compile	VERB
faba-276	176	49	by	by	ADP
faba-276	176	50	authors	author	NOUN
faba-276	176	51	.	.	PUNCT
faba-276	177	1	table	table	NOUN
faba-276	177	2	2	2	NUM
faba-276	177	3	indicates	indicate	VERB
faba-276	177	4	that	that	SCONJ
faba-276	177	5	the	the	DET
faba-276	177	6	value	value	NOUN
faba-276	177	7	of	of	ADP
faba-276	177	8	cronbach	cronbach	ADJ
faba-276	177	9	alpha	alpha	NOUN
faba-276	177	10	of	of	ADP
faba-276	177	11	sn	sn	PROPN
faba-276	177	12	(	(	PUNCT
faba-276	177	13	independent	independent	ADJ
faba-276	177	14	variable	variable	NOUN
faba-276	177	15	)	)	PUNCT
faba-276	177	16	is	be	AUX
faba-276	177	17	0.886	0.886	NUM
faba-276	177	18	or	or	CCONJ
faba-276	177	19	88.6	88.6	NUM
faba-276	177	20	percent	percent	NOUN
faba-276	177	21	.	.	PUNCT
faba-276	178	1	according	accord	VERB
faba-276	178	2	to	to	ADP
faba-276	178	3	george	george	PROPN
faba-276	178	4	and	and	CCONJ
faba-276	178	5	mallery	mallery	PROPN
faba-276	178	6	(	(	PUNCT
faba-276	178	7	2003	2003	NUM
faba-276	178	8	)	)	PUNCT
faba-276	178	9	,	,	PUNCT
faba-276	178	10	this	this	DET
faba-276	178	11	alpha	alpha	NOUN
faba-276	178	12	indicates	indicate	VERB
faba-276	178	13	good	good	ADJ
faba-276	178	14	internal	internal	ADJ
faba-276	178	15	consistency	consistency	NOUN
faba-276	178	16	.	.	PUNCT
faba-276	179	1	the	the	DET
faba-276	179	2	four	four	NUM
faba-276	179	3	questions	question	NOUN
faba-276	179	4	in	in	ADP
faba-276	179	5	sn	sn	PROPN
faba-276	179	6	section	section	NOUN
faba-276	179	7	are	be	AUX
faba-276	179	8	termed	term	VERB
faba-276	179	9	to	to	PART
faba-276	179	10	be	be	AUX
faba-276	179	11	consistent	consistent	ADJ
faba-276	179	12	and	and	CCONJ
faba-276	179	13	reliable	reliable	ADJ
faba-276	179	14	.	.	PUNCT
faba-276	180	1	the	the	DET
faba-276	180	2	cronbach	cronbach	ADJ
faba-276	180	3	alpha	alpha	NOUN
faba-276	180	4	value	value	NOUN
faba-276	180	5	of	of	ADP
faba-276	180	6	peou	peou	PROPN
faba-276	180	7	(	(	PUNCT
faba-276	180	8	independent	independent	ADJ
faba-276	180	9	variable	variable	NOUN
faba-276	180	10	)	)	PUNCT
faba-276	180	11	is	be	AUX
faba-276	180	12	0.860	0.860	NUM
faba-276	180	13	or	or	CCONJ
faba-276	180	14	86	86	NUM
faba-276	180	15	percent	percent	NOUN
faba-276	180	16	.	.	PUNCT
faba-276	181	1	referring	refer	VERB
faba-276	181	2	to	to	ADP
faba-276	181	3	the	the	DET
faba-276	181	4	same	same	ADJ
faba-276	181	5	scale	scale	NOUN
faba-276	181	6	,	,	PUNCT
faba-276	181	7	the	the	DET
faba-276	181	8	0.86	0.86	NUM
faba-276	181	9	alpha	alpha	NOUN
faba-276	181	10	value	value	NOUN
faba-276	181	11	is	be	AUX
faba-276	181	12	considered	consider	VERB
faba-276	181	13	good	good	ADJ
faba-276	181	14	which	which	PRON
faba-276	181	15	can	can	AUX
faba-276	181	16	qualify	qualify	VERB
faba-276	181	17	the	the	DET
faba-276	181	18	three	three	NUM
faba-276	181	19	items	item	NOUN
faba-276	181	20	in	in	ADP
faba-276	181	21	peou	peou	ADV
faba-276	181	22	as	as	ADV
faba-276	181	23	consistent	consistent	ADJ
faba-276	181	24	and	and	CCONJ
faba-276	181	25	reliable	reliable	ADJ
faba-276	181	26	.	.	PUNCT
faba-276	182	1	the	the	DET
faba-276	182	2	4	4	NUM
faba-276	182	3	items	item	NOUN
faba-276	182	4	revolving	revolve	VERB
faba-276	182	5	around	around	ADP
faba-276	182	6	pu	pu	PROPN
faba-276	182	7	(	(	PUNCT
faba-276	182	8	independent	independent	ADJ
faba-276	182	9	variable	variable	NOUN
faba-276	182	10	)	)	PUNCT
faba-276	182	11	obtained	obtain	VERB
faba-276	182	12	0.879	0.879	NUM
faba-276	182	13	or	or	CCONJ
faba-276	182	14	87.9	87.9	NUM
faba-276	182	15	%	%	NOUN
faba-276	182	16	alpha	alpha	NOUN
faba-276	182	17	value	value	NOUN
faba-276	182	18	which	which	PRON
faba-276	182	19	is	be	AUX
faba-276	182	20	considered	consider	VERB
faba-276	182	21	as	as	ADP
faba-276	182	22	good	good	ADJ
faba-276	182	23	.	.	PUNCT
faba-276	183	1	thus	thus	ADV
faba-276	183	2	,	,	PUNCT
faba-276	183	3	the	the	DET
faba-276	183	4	4	4	NUM
faba-276	183	5	items	item	NOUN
faba-276	183	6	are	be	AUX
faba-276	183	7	qualified	qualified	ADJ
faba-276	183	8	as	as	ADP
faba-276	183	9	consistent	consistent	ADJ
faba-276	183	10	and	and	CCONJ
faba-276	183	11	reliable	reliable	ADJ
faba-276	183	12	.	.	PUNCT
faba-276	184	1	the	the	DET
faba-276	184	2	final	final	ADJ
faba-276	184	3	variable	variable	NOUN
faba-276	184	4	in	in	ADP
faba-276	184	5	this	this	DET
faba-276	184	6	study	study	NOUN
faba-276	184	7	is	be	AUX
faba-276	184	8	the	the	DET
faba-276	184	9	“	"	PUNCT
faba-276	184	10	perceived	perceive	VERB
faba-276	184	11	covid-19	covid-19	PROPN
faba-276	184	12	risk	risk	NOUN
faba-276	184	13	’	'	PUNCT
faba-276	184	14	which	which	PRON
faba-276	184	15	has	have	VERB
faba-276	184	16	an	an	DET
faba-276	184	17	excellent	excellent	ADJ
faba-276	184	18	alpha	alpha	NOUN
faba-276	184	19	value	value	NOUN
faba-276	184	20	of	of	ADP
faba-276	184	21	0.922	0.922	NUM
faba-276	184	22	or	or	CCONJ
faba-276	184	23	92.2	92.2	NUM
faba-276	184	24	%	%	NOUN
faba-276	184	25	.	.	PUNCT
faba-276	185	1	thus	thus	ADV
faba-276	185	2	,	,	PUNCT
faba-276	185	3	the	the	DET
faba-276	185	4	3	3	NUM
faba-276	185	5	questions	question	NOUN
faba-276	185	6	used	use	VERB
faba-276	185	7	for	for	ADP
faba-276	185	8	this	this	DET
faba-276	185	9	independent	independent	ADJ
faba-276	185	10	variable	variable	NOUN
faba-276	185	11	are	be	AUX
faba-276	185	12	consistent	consistent	ADJ
faba-276	185	13	and	and	CCONJ
faba-276	185	14	reliable	reliable	ADJ
faba-276	185	15	in	in	ADP
faba-276	185	16	this	this	DET
faba-276	185	17	study	study	NOUN
faba-276	185	18	.	.	PUNCT
faba-276	186	1	correlation	correlation	NOUN
faba-276	186	2	analysis	analysis	NOUN
faba-276	186	3	table	table	NOUN
faba-276	186	4	3	3	NUM
faba-276	186	5	.	.	PUNCT
faba-276	186	6	correlation	correlation	NOUN
faba-276	186	7	analysis	analysis	NOUN
faba-276	186	8	of	of	ADP
faba-276	186	9	research	research	NOUN
faba-276	186	10	variables	variable	VERB
faba-276	186	11	behavioural	behavioural	ADJ
faba-276	186	12	intention	intention	NOUN
faba-276	186	13	sn	sn	PROPN
faba-276	186	14	peou	peou	PROPN
faba-276	187	1	pu	pu	PROPN
faba-276	187	2	perceived	perceive	VERB
faba-276	187	3	covid-19	covid-19	PROPN
faba-276	187	4	risk	risk	NOUN
faba-276	187	5	behavioural	behavioural	ADJ
faba-276	187	6	intention	intention	NOUN
faba-276	187	7	pearson	pearson	NOUN
faba-276	187	8	correlation	correlation	NOUN
faba-276	187	9	1	1	NUM
faba-276	187	10	0.401	0.401	NUM
faba-276	187	11	*	*	NOUN
faba-276	187	12	*	*	PUNCT
faba-276	187	13	*	*	PUNCT
faba-276	187	14	0.610	0.610	NUM
faba-276	187	15	*	*	PUNCT
faba-276	187	16	*	*	PUNCT
faba-276	187	17	*	*	PUNCT
faba-276	187	18	0.746	0.746	NUM
faba-276	187	19	*	*	PUNCT
faba-276	187	20	*	*	PUNCT
faba-276	187	21	0.385	0.385	NUM
faba-276	187	22	*	*	PUNCT
faba-276	187	23	*	*	PUNCT
faba-276	187	24	*	*	X
faba-276	187	25	sig	sig	X
faba-276	187	26	.	.	PUNCT
faba-276	188	1	(	(	PUNCT
faba-276	188	2	2	2	NUM
faba-276	188	3	-	-	PUNCT
faba-276	188	4	tailed	tailed	ADJ
faba-276	188	5	)	)	PUNCT
faba-276	189	1	0.000	0.000	NUM
faba-276	189	2	0.000	0.000	NUM
faba-276	189	3	0.000	0.000	NUM
faba-276	189	4	0.000	0.000	NUM
faba-276	189	5	n	n	DET
faba-276	189	6	393	393	NUM
faba-276	189	7	393	393	NUM
faba-276	189	8	393	393	NUM
faba-276	189	9	393	393	NUM
faba-276	189	10	393	393	NUM
faba-276	189	11	sn	sn	PROPN
faba-276	189	12	pearson	pearson	PROPN
faba-276	189	13	correlation	correlation	NOUN
faba-276	189	14	0.401	0.401	NUM
faba-276	189	15	*	*	PUNCT
faba-276	189	16	*	*	PUNCT
faba-276	189	17	*	*	PUNCT
faba-276	189	18	1	1	NUM
faba-276	189	19	0.362	0.362	NUM
faba-276	189	20	*	*	PUNCT
faba-276	189	21	*	*	PUNCT
faba-276	189	22	*	*	PUNCT
faba-276	189	23	0.386	0.386	NUM
faba-276	189	24	*	*	PUNCT
faba-276	189	25	*	*	PUNCT
faba-276	189	26	*	*	PUNCT
faba-276	189	27	0.350	0.350	NUM
faba-276	189	28	*	*	PUNCT
faba-276	189	29	*	*	PUNCT
faba-276	189	30	*	*	PUNCT
faba-276	189	31	sig	sig	X
faba-276	189	32	.	.	PUNCT
faba-276	190	1	(	(	PUNCT
faba-276	190	2	2	2	NUM
faba-276	190	3	-	-	PUNCT
faba-276	190	4	tailed	tailed	ADJ
faba-276	190	5	)	)	PUNCT
faba-276	191	1	0.000	0.000	NUM
faba-276	191	2	0.000	0.000	NUM
faba-276	191	3	0.000	0.000	NUM
faba-276	191	4	0.000	0.000	NUM
faba-276	191	5	n	n	DET
faba-276	191	6	393	393	NUM
faba-276	191	7	393	393	NUM
faba-276	191	8	393	393	NUM
faba-276	191	9	393	393	NUM
faba-276	191	10	393	393	NUM
faba-276	191	11	peou	peou	ADJ
faba-276	191	12	pearson	pearson	NOUN
faba-276	191	13	correlation	correlation	NOUN
faba-276	191	14	0.610	0.610	NUM
faba-276	191	15	*	*	PUNCT
faba-276	191	16	*	*	PUNCT
faba-276	191	17	*	*	PUNCT
faba-276	191	18	0.362	0.362	NUM
faba-276	191	19	*	*	PUNCT
faba-276	191	20	*	*	PUNCT
faba-276	191	21	*	*	PUNCT
faba-276	191	22	1	1	NUM
faba-276	191	23	0.670	0.670	NUM
faba-276	191	24	*	*	PUNCT
faba-276	191	25	*	*	PUNCT
faba-276	191	26	*	*	PUNCT
faba-276	191	27	0.244	0.244	NUM
faba-276	191	28	*	*	PUNCT
faba-276	191	29	*	*	PUNCT
faba-276	191	30	*	*	X
faba-276	191	31	sig	sig	X
faba-276	191	32	.	.	PUNCT
faba-276	192	1	(	(	PUNCT
faba-276	192	2	2	2	NUM
faba-276	192	3	-	-	PUNCT
faba-276	192	4	tailed	tailed	ADJ
faba-276	192	5	)	)	PUNCT
faba-276	193	1	0.000	0.000	NUM
faba-276	193	2	0.000	0.000	NUM
faba-276	193	3	0.000	0.000	NUM
faba-276	193	4	0.000	0.000	NUM
faba-276	193	5	n	n	DET
faba-276	193	6	393	393	NUM
faba-276	193	7	393	393	NUM
faba-276	193	8	393	393	NUM
faba-276	193	9	393	393	NUM
faba-276	193	10	393	393	NUM
faba-276	193	11	pu	pu	PROPN
faba-276	193	12	pearson	pearson	PROPN
faba-276	193	13	correlation	correlation	NOUN
faba-276	193	14	0.746	0.746	NOUN
faba-276	193	15	*	*	PUNCT
faba-276	193	16	*	*	PUNCT
faba-276	193	17	*	*	PUNCT
faba-276	193	18	0.386	0.386	NUM
faba-276	193	19	*	*	PUNCT
faba-276	193	20	*	*	PUNCT
faba-276	193	21	*	*	PUNCT
faba-276	193	22	0.670	0.670	NUM
faba-276	193	23	*	*	PUNCT
faba-276	193	24	*	*	PUNCT
faba-276	193	25	*	*	PUNCT
faba-276	193	26	1	1	NUM
faba-276	193	27	0.312	0.312	NUM
faba-276	193	28	*	*	PUNCT
faba-276	193	29	*	*	PUNCT
faba-276	193	30	*	*	X
faba-276	193	31	sig	sig	X
faba-276	193	32	.	.	PUNCT
faba-276	194	1	(	(	PUNCT
faba-276	194	2	2	2	NUM
faba-276	194	3	-	-	PUNCT
faba-276	194	4	tailed	tailed	ADJ
faba-276	194	5	)	)	PUNCT
faba-276	195	1	0.000	0.000	NUM
faba-276	195	2	0.000	0.000	NUM
faba-276	195	3	0.000	0.000	NUM
faba-276	195	4	0.000	0.000	NUM
faba-276	195	5	n	n	DET
faba-276	195	6	393	393	NUM
faba-276	195	7	393	393	NUM
faba-276	195	8	393	393	NUM
faba-276	195	9	393	393	NUM
faba-276	195	10	393	393	NUM
faba-276	195	11	perceived	perceive	VERB
faba-276	195	12	covid-19	covid-19	PROPN
faba-276	195	13	risk	risk	NOUN
faba-276	195	14	pearson	pearson	NOUN
faba-276	195	15	correlation	correlation	NOUN
faba-276	195	16	0.385	0.385	PRON
faba-276	195	17	*	*	PUNCT
faba-276	195	18	*	*	PUNCT
faba-276	195	19	*	*	PUNCT
faba-276	195	20	0.350	0.350	NUM
faba-276	195	21	*	*	PUNCT
faba-276	195	22	*	*	PUNCT
faba-276	195	23	*	*	PUNCT
faba-276	195	24	0.244	0.244	NUM
faba-276	195	25	*	*	PUNCT
faba-276	195	26	*	*	PUNCT
faba-276	195	27	*	*	PUNCT
faba-276	196	1	0.312	0.312	NUM
faba-276	196	2	*	*	PUNCT
faba-276	196	3	*	*	PUNCT
faba-276	196	4	*	*	PROPN
faba-276	196	5	1	1	NUM
faba-276	196	6	sig	sig	NOUN
faba-276	196	7	.	.	PUNCT
faba-276	197	1	(	(	PUNCT
faba-276	197	2	2	2	NUM
faba-276	197	3	-	-	PUNCT
faba-276	197	4	tailed	tailed	ADJ
faba-276	197	5	)	)	PUNCT
faba-276	198	1	0.000	0.000	NUM
faba-276	198	2	0.000	0.000	NUM
faba-276	198	3	0.000	0.000	NUM
faba-276	198	4	0.000	0.000	NUM
faba-276	198	5	n	n	PRON
faba-276	198	6	393	393	NUM
faba-276	198	7	393	393	NUM
faba-276	198	8	393	393	NUM
faba-276	198	9	393	393	NUM
faba-276	198	10	393	393	NUM
faba-276	198	11	*	*	PUNCT
faba-276	198	12	*	*	PUNCT
faba-276	198	13	*	*	NOUN
faba-276	198	14	.	.	PUNCT
faba-276	199	1	correlation	correlation	NOUN
faba-276	199	2	is	be	AUX
faba-276	199	3	significant	significant	ADJ
faba-276	199	4	at	at	ADP
faba-276	199	5	the	the	DET
faba-276	199	6	0.01	0.01	NUM
faba-276	199	7	level	level	NOUN
faba-276	199	8	(	(	PUNCT
faba-276	199	9	2	2	NUM
faba-276	199	10	-	-	PUNCT
faba-276	199	11	tailed	tailed	ADJ
faba-276	199	12	)	)	PUNCT
faba-276	199	13	.	.	PUNCT
faba-276	200	1	source	source	NOUN
faba-276	200	2	:	:	PUNCT
faba-276	200	3	compiled	compile	VERB
faba-276	200	4	by	by	ADP
faba-276	200	5	authors	author	NOUN
faba-276	200	6	.	.	PUNCT
faba-276	201	1	correlation	correlation	NOUN
faba-276	201	2	analysis	analysis	NOUN
faba-276	201	3	of	of	ADP
faba-276	201	4	each	each	DET
faba-276	201	5	variable	variable	NOUN
faba-276	201	6	in	in	ADP
faba-276	201	7	the	the	DET
faba-276	201	8	research	research	NOUN
faba-276	201	9	is	be	AUX
faba-276	201	10	presented	present	VERB
faba-276	201	11	in	in	ADP
faba-276	201	12	table	table	NOUN
faba-276	201	13	3	3	NUM
faba-276	201	14	with	with	ADP
faba-276	201	15	a	a	DET
faba-276	201	16	significant	significant	ADJ
faba-276	201	17	value	value	NOUN
faba-276	201	18	determined	determine	VERB
faba-276	201	19	in	in	ADP
faba-276	201	20	the	the	DET
faba-276	201	21	393	393	NUM
faba-276	201	22	respondents	respondent	NOUN
faba-276	201	23	.	.	PUNCT
faba-276	202	1	the	the	DET
faba-276	202	2	correlational	correlational	ADJ
faba-276	202	3	strength	strength	NOUN
faba-276	202	4	between	between	ADP
faba-276	202	5	dependent	dependent	ADJ
faba-276	202	6	variable	variable	NOUN
faba-276	202	7	and	and	CCONJ
faba-276	202	8	independent	independent	ADJ
faba-276	202	9	variables	variable	NOUN
faba-276	202	10	in	in	ADP
faba-276	202	11	terms	term	NOUN
faba-276	202	12	of	of	ADP
faba-276	202	13	pearson	pearson	NOUN
faba-276	202	14	correlation	correlation	NOUN
faba-276	202	15	(	(	PUNCT
faba-276	202	16	r	r	NOUN
faba-276	202	17	-	-	PUNCT
faba-276	202	18	value	value	NOUN
faba-276	202	19	)	)	PUNCT
faba-276	202	20	is	be	AUX
faba-276	202	21	determined	determine	VERB
faba-276	202	22	in	in	ADP
faba-276	202	23	the	the	DET
faba-276	202	24	above	above	ADJ
faba-276	202	25	table	table	NOUN
faba-276	202	26	to	to	PART
faba-276	202	27	determine	determine	VERB
faba-276	202	28	the	the	DET
faba-276	202	29	proximity	proximity	NOUN
faba-276	202	30	of	of	ADP
faba-276	202	31	two	two	NUM
faba-276	202	32	variables	variable	NOUN
faba-276	202	33	in	in	ADP
faba-276	202	34	terms	term	NOUN
faba-276	202	35	of	of	ADP
faba-276	202	36	the	the	DET
faba-276	202	37	value	value	NOUN
faba-276	202	38	of	of	ADP
faba-276	202	39	correlation	correlation	NOUN
faba-276	202	40	coefficient	coefficient	NOUN
faba-276	202	41	which	which	PRON
faba-276	202	42	ranges	range	VERB
faba-276	202	43	between	between	ADP
faba-276	202	44	-1	-1	PUNCT
faba-276	202	45	and	and	CCONJ
faba-276	202	46	+1	+1	PROPN
faba-276	202	47	(	(	PUNCT
faba-276	202	48	pearson	pearson	PROPN
faba-276	202	49	1895	1895	NUM
faba-276	202	50	)	)	PUNCT
faba-276	202	51	.	.	PUNCT
faba-276	203	1	this	this	PRON
faba-276	203	2	gives	give	VERB
faba-276	203	3	the	the	DET
faba-276	203	4	finding	finding	NOUN
faba-276	203	5	that	that	SCONJ
faba-276	203	6	the	the	DET
faba-276	203	7	four	four	NUM
faba-276	203	8	independent	independent	ADJ
faba-276	203	9	variables	variable	NOUN
faba-276	203	10	sn	sn	PROPN
faba-276	203	11	,	,	PUNCT
faba-276	203	12	peou	peou	ADV
faba-276	203	13	,	,	PUNCT
faba-276	203	14	pu	pu	PROPN
faba-276	203	15	,	,	PUNCT
faba-276	203	16	and	and	CCONJ
faba-276	203	17	perceived	perceive	VERB
faba-276	203	18	covid-19	covid-19	PROPN
faba-276	203	19	risk	risk	NOUN
faba-276	203	20	show	show	VERB
faba-276	203	21	positive	positive	ADJ
faba-276	203	22	correlation	correlation	NOUN
faba-276	203	23	relationship	relationship	NOUN
faba-276	203	24	with	with	ADP
faba-276	203	25	the	the	DET
faba-276	203	26	dependent	dependent	ADJ
faba-276	203	27	variable	variable	NOUN
faba-276	203	28	of	of	ADP
faba-276	203	29	behavioural	behavioural	ADJ
faba-276	203	30	intention	intention	NOUN
faba-276	203	31	.	.	PUNCT
faba-276	204	1	it	it	PRON
faba-276	204	2	implies	imply	VERB
faba-276	204	3	that	that	SCONJ
faba-276	204	4	,	,	PUNCT
faba-276	204	5	by	by	ADP
faba-276	204	6	raising	raise	VERB
faba-276	204	7	the	the	DET
faba-276	204	8	value	value	NOUN
faba-276	204	9	of	of	ADP
faba-276	204	10	independent	independent	ADJ
faba-276	204	11	variables	variable	NOUN
faba-276	204	12	,	,	PUNCT
faba-276	204	13	it	it	PRON
faba-276	204	14	would	would	AUX
faba-276	204	15	be	be	AUX
faba-276	204	16	at	at	ADP
faba-276	204	17	the	the	DET
faba-276	204	18	expense	expense	NOUN
faba-276	204	19	of	of	ADP
faba-276	204	20	rising	rise	VERB
faba-276	204	21	the	the	DET
faba-276	204	22	value	value	NOUN
faba-276	204	23	of	of	ADP
faba-276	204	24	dependent	dependent	ADJ
faba-276	204	25	variable	variable	NOUN
faba-276	204	26	.	.	PUNCT
faba-276	205	1	perceived	perceive	VERB
faba-276	205	2	covid-19	covid-19	PROPN
faba-276	205	3	risk	risk	NOUN
faba-276	205	4	has	have	VERB
faba-276	205	5	weak	weak	ADJ
faba-276	205	6	positive	positive	ADJ
faba-276	205	7	correlation	correlation	NOUN
faba-276	205	8	with	with	ADP
faba-276	205	9	the	the	DET
faba-276	205	10	dependent	dependent	ADJ
faba-276	205	11	variable	variable	NOUN
faba-276	205	12	whereas	whereas	SCONJ
faba-276	205	13	sn	sn	PROPN
faba-276	205	14	and	and	CCONJ
faba-276	205	15	peou	peou	ADV
faba-276	205	16	have	have	VERB
faba-276	205	17	moderate	moderate	ADJ
faba-276	205	18	positive	positive	ADJ
faba-276	205	19	relationship	relationship	NOUN
faba-276	205	20	with	with	ADP
faba-276	205	21	the	the	DET
faba-276	205	22	dependent	dependent	ADJ
faba-276	205	23	variable	variable	NOUN
faba-276	205	24	.	.	PUNCT
faba-276	206	1	the	the	DET
faba-276	206	2	highest	high	ADJ
faba-276	206	3	positive	positive	ADJ
faba-276	206	4	correlation	correlation	NOUN
faba-276	206	5	(	(	PUNCT
faba-276	206	6	r	r	NOUN
faba-276	206	7	=	=	PUNCT
faba-276	206	8	0.746	0.746	NUM
faba-276	206	9	)	)	PUNCT
faba-276	206	10	between	between	ADP
faba-276	206	11	the	the	DET
faba-276	206	12	dependent	dependent	ADJ
faba-276	206	13	variable	variable	NOUN
faba-276	206	14	and	and	CCONJ
faba-276	206	15	a	a	DET
faba-276	206	16	variable	variable	NOUN
faba-276	206	17	in	in	ADP
faba-276	206	18	this	this	DET
faba-276	206	19	research	research	NOUN
faba-276	206	20	is	be	AUX
faba-276	206	21	pu	pu	PROPN
faba-276	206	22	.	.	PUNCT
faba-276	207	1	independent	independent	ADJ
faba-276	207	2	variables	variable	NOUN
faba-276	207	3	used	use	VERB
faba-276	207	4	in	in	ADP
faba-276	207	5	the	the	DET
faba-276	207	6	analysis	analysis	NOUN
faba-276	207	7	have	have	VERB
faba-276	207	8	its	its	PRON
faba-276	207	9	p	p	NOUN
faba-276	207	10	-	-	PUNCT
faba-276	207	11	value	value	NOUN
faba-276	207	12	of	of	ADP
faba-276	207	13	0.000	0.000	NUM
faba-276	207	14	as	as	SCONJ
faba-276	207	15	depicted	depict	VERB
faba-276	207	16	in	in	ADP
faba-276	207	17	table	table	NOUN
faba-276	207	18	3	3	NUM
faba-276	207	19	as	as	ADP
faba-276	207	20	sig	sig	NOUN
faba-276	207	21	.	.	PUNCT
faba-276	208	1	(	(	PUNCT
faba-276	208	2	2	2	NUM
faba-276	208	3	-	-	PUNCT
faba-276	208	4	tailed	tailed	ADJ
faba-276	208	5	)	)	PUNCT
faba-276	208	6	.	.	PUNCT
faba-276	209	1	it	it	PRON
faba-276	209	2	shows	show	VERB
faba-276	209	3	that	that	SCONJ
faba-276	209	4	the	the	DET
faba-276	209	5	correlation	correlation	NOUN
faba-276	209	6	or	or	CCONJ
faba-276	209	7	r	r	NOUN
faba-276	209	8	-	-	PUNCT
faba-276	209	9	value	value	NOUN
faba-276	209	10	is	be	AUX
faba-276	209	11	to	to	PART
faba-276	209	12	be	be	AUX
faba-276	209	13	extremely	extremely	ADV
faba-276	209	14	significant	significant	ADJ
faba-276	209	15	.	.	PUNCT
faba-276	210	1	hence	hence	ADV
faba-276	210	2	,	,	PUNCT
faba-276	210	3	null	null	ADJ
faba-276	210	4	hypotheses	hypothesis	NOUN
faba-276	210	5	are	be	AUX
faba-276	210	6	rejected	reject	VERB
faba-276	210	7	for	for	ADP
faba-276	210	8	each	each	DET
faba-276	210	9	independent	independent	ADJ
faba-276	210	10	variable	variable	NOUN
faba-276	210	11	.	.	PUNCT
faba-276	211	1	rushaizzad	rushaizzad	PROPN
faba-276	211	2	a.rahim	a.rahim	PRON
faba-276	211	3	and	and	CCONJ
faba-276	211	4	jaizah	jaizah	VERB
faba-276	211	5	othman	othman	PROPN
faba-276	211	6	/	/	SYM
faba-276	211	7	finance	finance	NOUN
faba-276	211	8	,	,	PUNCT
faba-276	211	9	accounting	accounting	NOUN
faba-276	211	10	and	and	CCONJ
faba-276	211	11	business	business	NOUN
faba-276	211	12	analysis	analysis	NOUN
faba-276	211	13	,	,	PUNCT
faba-276	211	14	volume	volume	NOUN
faba-276	211	15	7	7	NUM
faba-276	211	16	issue	issue	NOUN
faba-276	211	17	2	2	NUM
faba-276	211	18	,	,	PUNCT
faba-276	211	19	2025	2025	NUM
faba-276	211	20	175	175	NUM
faba-276	211	21	regression	regression	NOUN
faba-276	211	22	analysis	analysis	NOUN
faba-276	211	23	table	table	NOUN
faba-276	211	24	4	4	NUM
faba-276	211	25	.	.	PUNCT
faba-276	211	26	model	model	NOUN
faba-276	211	27	summary	summary	NOUN
faba-276	211	28	model	model	NOUN
faba-276	211	29	r	r	PROPN
faba-276	211	30	r	r	NOUN
faba-276	211	31	square	square	ADJ
faba-276	211	32	adjusted	adjust	VERB
faba-276	211	33	r	r	NOUN
faba-276	211	34	square	square	ADJ
faba-276	211	35	std	std	NOUN
faba-276	211	36	.	.	PUNCT
faba-276	212	1	error	error	NOUN
faba-276	212	2	of	of	ADP
faba-276	212	3	the	the	DET
faba-276	212	4	estimate	estimate	NOUN
faba-276	212	5	1	1	NUM
faba-276	212	6	0.778a	0.778a	NOUN
faba-276	212	7	0.606	0.606	NUM
faba-276	212	8	0.602	0.602	NUM
faba-276	212	9	0.45410	0.45410	NUM
faba-276	212	10	a.	a.	NOUN
faba-276	212	11	predictors	predictor	NOUN
faba-276	212	12	:	:	PUNCT
faba-276	212	13	(	(	PUNCT
faba-276	212	14	constant	constant	ADJ
faba-276	212	15	)	)	PUNCT
faba-276	212	16	,	,	PUNCT
faba-276	212	17	sn	sn	INTJ
faba-276	212	18	,	,	PUNCT
faba-276	212	19	peou	peou	ADV
faba-276	212	20	,	,	PUNCT
faba-276	212	21	pu	pu	PROPN
faba-276	212	22	,	,	PUNCT
faba-276	212	23	perceived	perceive	VERB
faba-276	212	24	covid-19	covid-19	PROPN
faba-276	212	25	risk	risk	NOUN
faba-276	212	26	source	source	NOUN
faba-276	212	27	:	:	PUNCT
faba-276	212	28	compiled	compile	VERB
faba-276	212	29	by	by	ADP
faba-276	212	30	authors	author	NOUN
faba-276	212	31	.	.	PUNCT
faba-276	213	1	table	table	NOUN
faba-276	213	2	4	4	NUM
faba-276	213	3	depicts	depict	VERB
faba-276	213	4	the	the	DET
faba-276	213	5	model	model	NOUN
faba-276	213	6	summary	summary	NOUN
faba-276	213	7	of	of	ADP
faba-276	213	8	the	the	DET
faba-276	213	9	regression	regression	NOUN
faba-276	213	10	process	process	NOUN
faba-276	213	11	.	.	PUNCT
faba-276	214	1	r	r	NOUN
faba-276	214	2	squareor	squareor	NOUN
faba-276	214	3	r2	r2	PROPN
faba-276	214	4	is	be	AUX
faba-276	214	5	the	the	DET
faba-276	214	6	percentage	percentage	NOUN
faba-276	214	7	of	of	ADP
faba-276	214	8	the	the	DET
faba-276	214	9	variance	variance	NOUN
faba-276	214	10	of	of	ADP
faba-276	214	11	the	the	DET
faba-276	214	12	dependent	dependent	ADJ
faba-276	214	13	variable	variable	NOUN
faba-276	214	14	that	that	PRON
faba-276	214	15	can	can	AUX
faba-276	214	16	be	be	AUX
faba-276	214	17	explained	explain	VERB
faba-276	214	18	by	by	ADP
faba-276	214	19	the	the	DET
faba-276	214	20	four	four	NUM
faba-276	214	21	independent	independent	ADJ
faba-276	214	22	variables	variable	NOUN
faba-276	214	23	in	in	ADP
faba-276	214	24	this	this	DET
faba-276	214	25	behavioural	behavioural	ADJ
faba-276	214	26	research	research	NOUN
faba-276	214	27	project	project	NOUN
faba-276	214	28	:	:	PUNCT
faba-276	214	29	sn	sn	PROPN
faba-276	214	30	,	,	PUNCT
faba-276	214	31	peou	peou	ADV
faba-276	214	32	,	,	PUNCT
faba-276	214	33	pu	pu	PROPN
faba-276	214	34	and	and	CCONJ
faba-276	214	35	perceived	perceive	VERB
faba-276	214	36	covid-19	covid-19	PROPN
faba-276	214	37	risk	risk	NOUN
faba-276	214	38	.	.	PUNCT
faba-276	215	1	it	it	PRON
faba-276	215	2	is	be	AUX
faba-276	215	3	worth	worth	ADJ
faba-276	215	4	noting	note	VERB
faba-276	215	5	that	that	SCONJ
faba-276	215	6	r2	r2	PROPN
faba-276	215	7	is	be	AUX
faba-276	215	8	0.606	0.606	NUM
faba-276	215	9	or	or	CCONJ
faba-276	215	10	60.6	60.6	NUM
faba-276	215	11	percent	percent	NOUN
faba-276	215	12	.	.	PUNCT
faba-276	216	1	the	the	DET
faba-276	216	2	r2	r2	PROPN
faba-276	216	3	value	value	NOUN
faba-276	216	4	shows	show	VERB
faba-276	216	5	that	that	SCONJ
faba-276	216	6	60.6	60.6	NUM
faba-276	216	7	percent	percent	NOUN
faba-276	216	8	of	of	ADP
faba-276	216	9	the	the	DET
faba-276	216	10	dependent	dependent	ADJ
faba-276	216	11	variable	variable	ADJ
faba-276	216	12	variance	variance	NOUN
faba-276	216	13	can	can	AUX
faba-276	216	14	be	be	AUX
faba-276	216	15	estimated	estimate	VERB
faba-276	216	16	using	use	VERB
faba-276	216	17	the	the	DET
faba-276	216	18	independent	independent	ADJ
faba-276	216	19	ones	one	NOUN
faba-276	216	20	.	.	PUNCT
faba-276	217	1	that	that	ADV
faba-276	217	2	is	is	ADV
faba-276	217	3	,	,	PUNCT
faba-276	217	4	the	the	DET
faba-276	217	5	transformation	transformation	NOUN
faba-276	217	6	of	of	ADP
faba-276	217	7	the	the	DET
faba-276	217	8	four	four	NUM
faba-276	217	9	independent	independent	ADJ
faba-276	217	10	variables	variable	NOUN
faba-276	217	11	can	can	AUX
faba-276	217	12	explain	explain	VERB
faba-276	217	13	60.6	60.6	NUM
faba-276	217	14	percent	percent	NOUN
faba-276	217	15	of	of	ADP
faba-276	217	16	the	the	DET
faba-276	217	17	dependent	dependent	ADJ
faba-276	217	18	variable	variable	NOUN
faba-276	217	19	in	in	ADP
faba-276	217	20	this	this	DET
faba-276	217	21	study	study	NOUN
faba-276	217	22	.	.	PUNCT
faba-276	218	1	nonetheless	nonetheless	ADV
faba-276	218	2	,	,	PUNCT
faba-276	218	3	39.4	39.4	NUM
faba-276	218	4	percent	percent	NOUN
faba-276	218	5	was	be	AUX
faba-276	218	6	not	not	PART
faba-276	218	7	affected	affect	VERB
faba-276	218	8	by	by	ADP
faba-276	218	9	the	the	DET
faba-276	218	10	differences	difference	NOUN
faba-276	218	11	in	in	ADP
faba-276	218	12	the	the	DET
faba-276	218	13	independent	independent	ADJ
faba-276	218	14	variable	variable	NOUN
faba-276	218	15	.	.	PUNCT
faba-276	219	1	table	table	NOUN
faba-276	219	2	5	5	NUM
faba-276	219	3	.	.	PUNCT
faba-276	219	4	anova	anova	PROPN
faba-276	219	5	model	model	PROPN
faba-276	219	6	sum	sum	NOUN
faba-276	219	7	of	of	ADP
faba-276	219	8	squares	square	NOUN
faba-276	219	9	df	df	PROPN
faba-276	219	10	mean	mean	PROPN
faba-276	219	11	square	square	PROPN
faba-276	219	12	f	f	PROPN
faba-276	219	13	sig	sig	PROPN
faba-276	219	14	.	.	PROPN
faba-276	219	15	1	1	NUM
faba-276	219	16	regression	regression	VERB
faba-276	219	17	123.067	123.067	NUM
faba-276	219	18	4	4	NUM
faba-276	219	19	30.767	30.767	NUM
faba-276	219	20	149.207	149.207	NUM
faba-276	219	21	0.000b	0.000b	NOUN
faba-276	219	22	residual	residual	ADJ
faba-276	219	23	80.007	80.007	NUM
faba-276	219	24	388	388	NUM
faba-276	219	25	0.206	0.206	NUM
faba-276	219	26	total	total	NOUN
faba-276	219	27	203.074	203.074	NUM
faba-276	219	28	392	392	NUM
faba-276	219	29	a.	a.	NOUN
faba-276	219	30	dependent	dependent	ADJ
faba-276	219	31	variable	variable	NOUN
faba-276	219	32	:	:	PUNCT
faba-276	220	1	behavioural	behavioural	ADJ
faba-276	220	2	intention	intention	NOUN
faba-276	220	3	b.	b.	PROPN
faba-276	220	4	predictors	predictor	NOUN
faba-276	220	5	:	:	PUNCT
faba-276	220	6	(	(	PUNCT
faba-276	220	7	constant	constant	ADJ
faba-276	220	8	)	)	PUNCT
faba-276	220	9	,	,	PUNCT
faba-276	220	10	sn	sn	INTJ
faba-276	220	11	,	,	PUNCT
faba-276	220	12	peou	peou	ADV
faba-276	220	13	,	,	PUNCT
faba-276	220	14	pu	pu	PROPN
faba-276	220	15	,	,	PUNCT
faba-276	220	16	perceived	perceive	VERB
faba-276	220	17	covid-19	covid-19	PROPN
faba-276	220	18	risk	risk	NOUN
faba-276	220	19	source	source	NOUN
faba-276	220	20	:	:	PUNCT
faba-276	220	21	compiled	compile	VERB
faba-276	220	22	by	by	ADP
faba-276	220	23	authors	author	NOUN
faba-276	220	24	.	.	PUNCT
faba-276	221	1	analysis	analysis	NOUN
faba-276	221	2	of	of	ADP
faba-276	221	3	variance	variance	NOUN
faba-276	221	4	is	be	AUX
faba-276	221	5	used	use	VERB
faba-276	221	6	to	to	PART
faba-276	221	7	obtain	obtain	VERB
faba-276	221	8	the	the	DET
faba-276	221	9	probability	probability	NOUN
faba-276	221	10	that	that	SCONJ
faba-276	221	11	there	there	PRON
faba-276	221	12	is	be	VERB
faba-276	221	13	a	a	DET
faba-276	221	14	relationship	relationship	NOUN
faba-276	221	15	between	between	ADP
faba-276	221	16	none	none	NOUN
faba-276	221	17	of	of	ADP
faba-276	221	18	the	the	DET
faba-276	221	19	independent	independent	ADJ
faba-276	221	20	variables	variable	NOUN
faba-276	221	21	in	in	ADP
faba-276	221	22	the	the	DET
faba-276	221	23	regression	regression	NOUN
faba-276	221	24	model	model	NOUN
faba-276	221	25	and	and	CCONJ
faba-276	221	26	the	the	DET
faba-276	221	27	dependent	dependent	ADJ
faba-276	221	28	variable	variable	NOUN
faba-276	221	29	that	that	PRON
faba-276	221	30	is	be	AUX
faba-276	221	31	more	more	ADJ
faba-276	221	32	than	than	ADP
faba-276	221	33	what	what	PRON
faba-276	221	34	would	would	AUX
faba-276	221	35	be	be	AUX
faba-276	221	36	expected	expect	VERB
faba-276	221	37	as	as	ADP
faba-276	221	38	a	a	DET
faba-276	221	39	result	result	NOUN
faba-276	221	40	of	of	ADP
faba-276	221	41	chance	chance	NOUN
faba-276	221	42	alone	alone	ADV
faba-276	221	43	because	because	SCONJ
faba-276	221	44	of	of	ADP
faba-276	221	45	a	a	DET
faba-276	221	46	sampling	sampling	NOUN
faba-276	221	47	error	error	NOUN
faba-276	221	48	.	.	PUNCT
faba-276	222	1	as	as	ADP
faba-276	222	2	per	per	ADP
faba-276	222	3	the	the	DET
faba-276	222	4	table	table	NOUN
faba-276	222	5	5	5	NUM
faba-276	222	6	,	,	PUNCT
faba-276	222	7	significance	significance	NOUN
faba-276	222	8	statistics	statistic	NOUN
faba-276	222	9	of	of	ADP
faba-276	222	10	the	the	DET
faba-276	222	11	regression	regression	NOUN
faba-276	222	12	model	model	NOUN
faba-276	222	13	reveals	reveal	VERB
faba-276	222	14	,	,	PUNCT
faba-276	222	15	f	f	X
faba-276	222	16	-	-	PUNCT
faba-276	222	17	test	test	NOUN
faba-276	222	18	points	point	NOUN
faba-276	222	19	to	to	ADP
faba-276	222	20	the	the	DET
faba-276	222	21	fact	fact	NOUN
faba-276	222	22	that	that	SCONJ
faba-276	222	23	there	there	PRON
faba-276	222	24	is	be	VERB
faba-276	222	25	virtually	virtually	ADV
faba-276	222	26	no	no	DET
faba-276	222	27	possibility	possibility	NOUN
faba-276	222	28	that	that	SCONJ
faba-276	222	29	the	the	DET
faba-276	222	30	correlation	correlation	NOUN
faba-276	222	31	between	between	ADP
faba-276	222	32	the	the	DET
faba-276	222	33	four	four	NUM
faba-276	222	34	independent	independent	ADJ
faba-276	222	35	variables	variable	NOUN
faba-276	222	36	and	and	CCONJ
faba-276	222	37	the	the	DET
faba-276	222	38	dependent	dependent	ADJ
faba-276	222	39	variable	variable	NOUN
faba-276	222	40	can	can	AUX
faba-276	222	41	be	be	AUX
faba-276	222	42	the	the	DET
faba-276	222	43	result	result	NOUN
faba-276	222	44	of	of	ADP
faba-276	222	45	random	random	ADJ
faba-276	222	46	sampling	sampling	NOUN
faba-276	222	47	error	error	NOUN
faba-276	222	48	.	.	PUNCT
faba-276	223	1	table	table	NOUN
faba-276	223	2	6	6	NUM
faba-276	223	3	.	.	PUNCT
faba-276	223	4	coefficients	coefficient	NOUN
faba-276	223	5	model	model	PROPN
faba-276	223	6	unstandardized	unstandardized	ADJ
faba-276	223	7	coefficients	coefficient	NOUN
faba-276	223	8	standardized	standardize	VERB
faba-276	223	9	coefficients	coefficient	NOUN
faba-276	223	10	t	t	PROPN
faba-276	223	11	sig	sig	NOUN
faba-276	223	12	.	.	PUNCT
faba-276	224	1	95.0	95.0	NUM
faba-276	224	2	%	%	NOUN
faba-276	224	3	confidence	confidence	NOUN
faba-276	224	4	interval	interval	NOUN
faba-276	224	5	for	for	ADP
faba-276	224	6	b	b	PROPN
faba-276	224	7	b	b	PROPN
faba-276	224	8	std	std	PROPN
faba-276	224	9	.	.	NOUN
faba-276	224	10	error	error	NOUN
faba-276	224	11	beta	beta	NOUN
faba-276	224	12	lower	lower	ADV
faba-276	224	13	bound	bind	VERB
faba-276	224	14	upper	upper	ADJ
faba-276	224	15	bound	bind	VERB
faba-276	224	16	1	1	NUM
faba-276	224	17	(	(	PUNCT
faba-276	224	18	constant	constant	ADJ
faba-276	224	19	)	)	PUNCT
faba-276	224	20	0.088	0.088	NUM
faba-276	224	21	0.179	0.179	NUM
faba-276	224	22	0.494	0.494	NUM
faba-276	224	23	0.622	0.622	NUM
faba-276	224	24	-0.264	-0.264	NUM
faba-276	224	25	0.441	0.441	NUM
faba-276	224	26	sn	sn	NOUN
faba-276	224	27	0.061	0.061	NUM
faba-276	224	28	0.030	0.030	NUM
faba-276	224	29	0.073	0.073	NUM
faba-276	224	30	2.012	2.012	NUM
faba-276	224	31	0.045	0.045	NUM
faba-276	224	32	0.001	0.001	NUM
faba-276	224	33	0.120	0.120	NUM
faba-276	224	34	peou	peou	ADV
faba-276	224	35	0.188	0.188	NUM
faba-276	224	36	0.046	0.046	NUM
faba-276	224	37	0.178	0.178	NUM
faba-276	224	38	4.097	4.097	NUM
faba-276	224	39	0.000	0.000	NUM
faba-276	224	40	0.098	0.098	NUM
faba-276	224	41	0.278	0.278	NUM
faba-276	224	42	pu	pu	PROPN
faba-276	224	43	0.631	0.631	NUM
faba-276	224	44	0.051	0.051	NUM
faba-276	224	45	0.554	0.554	NUM
faba-276	224	46	12.454	12.454	NUM
faba-276	224	47	0.000	0.000	NUM
faba-276	224	48	0.531	0.531	NUM
faba-276	224	49	0.730	0.730	NUM
faba-276	224	50	perceived	perceive	VERB
faba-276	224	51	covid-19	covid-19	PROPN
faba-276	224	52	risk	risk	NOUN
faba-276	224	53	0.098	0.098	NUM
faba-276	224	54	0.024	0.024	NUM
faba-276	224	55	0.144	0.144	NUM
faba-276	224	56	4.136	4.136	NUM
faba-276	224	57	0.000	0.000	NUM
faba-276	224	58	0.051	0.051	NUM
faba-276	224	59	0.144	0.144	NUM
faba-276	224	60	source	source	NOUN
faba-276	224	61	:	:	PUNCT
faba-276	224	62	compiled	compile	VERB
faba-276	224	63	by	by	ADP
faba-276	224	64	authors	author	NOUN
faba-276	224	65	.	.	PUNCT
faba-276	225	1	table	table	NOUN
faba-276	225	2	6	6	NUM
faba-276	225	3	gives	give	VERB
faba-276	225	4	regression	regression	NOUN
faba-276	225	5	coefficients	coefficient	NOUN
faba-276	225	6	of	of	ADP
faba-276	225	7	partial	partial	ADJ
faba-276	225	8	regression	regression	NOUN
faba-276	225	9	,	,	PUNCT
faba-276	225	10	each	each	PRON
faba-276	225	11	of	of	ADP
faba-276	225	12	the	the	DET
faba-276	225	13	independent	independent	ADJ
faba-276	225	14	variables	variable	NOUN
faba-276	225	15	in	in	ADP
faba-276	225	16	regression	regression	NOUN
faba-276	225	17	model	model	NOUN
faba-276	225	18	and	and	CCONJ
faba-276	225	19	tests	test	NOUN
faba-276	225	20	of	of	ADP
faba-276	225	21	significance	significance	NOUN
faba-276	225	22	of	of	ADP
faba-276	225	23	each	each	DET
faba-276	225	24	statistic	statistic	NOUN
faba-276	225	25	.	.	PUNCT
faba-276	226	1	the	the	DET
faba-276	226	2	amount	amount	NOUN
faba-276	226	3	of	of	ADP
faba-276	226	4	sn	sn	NOUN
faba-276	226	5	change	change	NOUN
faba-276	226	6	,	,	PUNCT
faba-276	226	7	1	1	NUM
faba-276	226	8	unit	unit	NOUN
faba-276	226	9	increase	increase	NOUN
faba-276	226	10	(	(	PUNCT
faba-276	226	11	in	in	ADP
faba-276	226	12	a	a	DET
faba-276	226	13	5	5	NUM
faba-276	226	14	point	point	NOUN
faba-276	226	15	-	-	PUNCT
faba-276	226	16	likert	likert	NOUN
faba-276	226	17	scale	scale	NOUN
faba-276	226	18	)	)	PUNCT
faba-276	226	19	,	,	PUNCT
faba-276	226	20	is	be	AUX
faba-276	226	21	correlated	correlate	VERB
faba-276	226	22	with	with	ADP
faba-276	226	23	a	a	DET
faba-276	226	24	0.061	0.061	NUM
faba-276	226	25	unit	unit	NOUN
faba-276	226	26	change	change	NOUN
faba-276	226	27	in	in	ADP
faba-276	226	28	the	the	DET
faba-276	226	29	outcome	outcome	NOUN
faba-276	226	30	variable	variable	NOUN
faba-276	226	31	at	at	ADP
faba-276	226	32	the	the	DET
faba-276	226	33	same	same	ADJ
faba-276	226	34	time	time	NOUN
faba-276	226	35	other	other	ADJ
faba-276	226	36	attributes	attribute	NOUN
faba-276	226	37	will	will	AUX
faba-276	226	38	hold	hold	VERB
faba-276	226	39	constant	constant	ADJ
faba-276	226	40	.	.	PUNCT
faba-276	227	1	therefore	therefore	ADV
faba-276	227	2	,	,	PUNCT
faba-276	227	3	this	this	DET
faba-276	227	4	model	model	NOUN
faba-276	227	5	postulates	postulate	VERB
faba-276	227	6	that	that	SCONJ
faba-276	227	7	a	a	DET
faba-276	227	8	one	one	NUM
faba-276	227	9	unit	unit	NOUN
faba-276	227	10	increase	increase	NOUN
faba-276	227	11	in	in	ADP
faba-276	227	12	the	the	DET
faba-276	227	13	sn	sn	PROPN
faba-276	227	14	answers	answer	NOUN
faba-276	227	15	will	will	AUX
faba-276	227	16	boost	boost	VERB
faba-276	227	17	the	the	DET
faba-276	227	18	behavioural	behavioural	ADJ
faba-276	227	19	intention	intention	NOUN
faba-276	227	20	of	of	ADP
faba-276	227	21	the	the	DET
faba-276	227	22	respondent	respondent	NOUN
faba-276	227	23	in	in	ADP
faba-276	227	24	terms	term	NOUN
faba-276	227	25	of	of	ADP
faba-276	227	26	adoption	adoption	NOUN
faba-276	227	27	of	of	ADP
faba-276	227	28	mobile	mobile	ADJ
faba-276	227	29	payment	payment	NOUN
faba-276	227	30	with	with	ADP
faba-276	227	31	a	a	DET
faba-276	227	32	unit	unit	NOUN
faba-276	227	33	of	of	ADP
faba-276	227	34	0.061	0.061	NUM
faba-276	227	35	.	.	PUNCT
faba-276	228	1	if	if	SCONJ
faba-276	228	2	the	the	DET
faba-276	228	3	values	value	NOUN
faba-276	228	4	of	of	ADP
faba-276	228	5	peou	peou	ADV
faba-276	228	6	,	,	PUNCT
faba-276	228	7	pu	pu	PROPN
faba-276	228	8	and	and	CCONJ
faba-276	228	9	perceived	perceive	VERB
faba-276	228	10	covid-19	covid-19	PROPN
faba-276	228	11	risk	risk	NOUN
faba-276	228	12	are	be	AUX
faba-276	228	13	raised	raise	VERB
faba-276	228	14	by	by	ADP
faba-276	228	15	one	one	NUM
faba-276	228	16	unit	unit	NOUN
faba-276	228	17	each	each	PRON
faba-276	228	18	holding	hold	VERB
faba-276	228	19	others	other	NOUN
faba-276	228	20	constant	constant	ADJ
faba-276	228	21	,	,	PUNCT
faba-276	228	22	it	it	PRON
faba-276	228	23	will	will	AUX
faba-276	228	24	have	have	VERB
faba-276	228	25	an	an	DET
faba-276	228	26	impact	impact	NOUN
faba-276	228	27	of	of	ADP
faba-276	228	28	raising	raise	VERB
faba-276	228	29	the	the	DET
faba-276	228	30	dependent	dependent	ADJ
faba-276	228	31	variable	variable	NOUN
faba-276	228	32	by	by	ADP
faba-276	228	33	0.188	0.188	NUM
faba-276	228	34	,	,	PUNCT
faba-276	228	35	0.631	0.631	NUM
faba-276	228	36	and	and	CCONJ
faba-276	228	37	0.098	0.098	NUM
faba-276	228	38	units	unit	NOUN
faba-276	228	39	respectively	respectively	ADV
faba-276	228	40	.	.	PUNCT
faba-276	229	1	the	the	DET
faba-276	229	2	standardized	standardized	ADJ
faba-276	229	3	coefficient	coefficient	NOUN
faba-276	229	4	in	in	ADP
faba-276	229	5	the	the	DET
faba-276	229	6	‘	'	PUNCT
faba-276	229	7	beta	beta	NOUN
faba-276	229	8	’	'	PUNCT
faba-276	229	9	column	column	NOUN
faba-276	229	10	of	of	ADP
faba-276	229	11	table	table	NOUN
faba-276	229	12	6	6	NUM
faba-276	229	13	reports	report	VERB
faba-276	229	14	the	the	DET
faba-276	229	15	effects	effect	NOUN
faba-276	229	16	of	of	ADP
faba-276	229	17	each	each	DET
faba-276	229	18	independent	independent	ADJ
faba-276	229	19	variable	variable	NOUN
faba-276	229	20	on	on	ADP
faba-276	229	21	the	the	DET
faba-276	229	22	dependent	dependent	ADJ
faba-276	229	23	variable	variable	NOUN
faba-276	229	24	based	base	VERB
faba-276	229	25	on	on	ADP
faba-276	229	26	standard	standard	ADJ
faba-276	229	27	deviations	deviation	NOUN
faba-276	229	28	.	.	PUNCT
faba-276	230	1	the	the	DET
faba-276	230	2	‘	'	PUNCT
faba-276	230	3	beta	beta	NOUN
faba-276	230	4	’	'	PUNCT
faba-276	230	5	section	section	NOUN
faba-276	230	6	would	would	AUX
faba-276	230	7	hence	hence	ADV
faba-276	230	8	be	be	AUX
faba-276	230	9	interpreted	interpret	VERB
faba-276	230	10	as	as	ADP
faba-276	230	11	:	:	PUNCT
faba-276	230	12	for	for	ADP
faba-276	230	13	a	a	DET
faba-276	230	14	one	one	NUM
faba-276	230	15	standard	standard	ADJ
faba-276	230	16	deviation	deviation	NOUN
faba-276	230	17	increase	increase	NOUN
faba-276	230	18	in	in	ADP
faba-276	230	19	sn	sn	PROPN
faba-276	230	20	,	,	PUNCT
faba-276	230	21	a	a	DET
faba-276	230	22	0.073	0.073	NUM
faba-276	230	23	standard	standard	ADJ
faba-276	230	24	deviation	deviation	NOUN
faba-276	230	25	increase	increase	NOUN
faba-276	230	26	in	in	ADP
faba-276	230	27	the	the	DET
faba-276	230	28	dependent	dependent	ADJ
faba-276	230	29	variable	variable	ADJ
faba-276	230	30	rushaizzad	rushaizzad	NOUN
faba-276	230	31	a.rahim	a.rahim	PRON
faba-276	230	32	and	and	CCONJ
faba-276	230	33	jaizah	jaizah	VERB
faba-276	230	34	othman	othman	PROPN
faba-276	230	35	/	/	SYM
faba-276	230	36	finance	finance	NOUN
faba-276	230	37	,	,	PUNCT
faba-276	230	38	accounting	accounting	NOUN
faba-276	230	39	and	and	CCONJ
faba-276	230	40	business	business	NOUN
faba-276	230	41	analysis	analysis	NOUN
faba-276	230	42	,	,	PUNCT
faba-276	230	43	volume	volume	NOUN
faba-276	230	44	7	7	NUM
faba-276	230	45	issue	issue	NOUN
faba-276	230	46	2	2	NUM
faba-276	230	47	,	,	PUNCT
faba-276	230	48	2025	2025	NUM
faba-276	230	49	176	176	NUM
faba-276	230	50	would	would	AUX
faba-276	230	51	be	be	AUX
faba-276	230	52	expected	expect	VERB
faba-276	230	53	.	.	PUNCT
faba-276	231	1	a	a	DET
faba-276	231	2	similar	similar	ADJ
faba-276	231	3	case	case	NOUN
faba-276	231	4	for	for	ADP
faba-276	231	5	peou	peou	ADV
faba-276	231	6	,	,	PUNCT
faba-276	231	7	pu	pu	PROPN
faba-276	231	8	and	and	CCONJ
faba-276	231	9	perceived	perceive	VERB
faba-276	231	10	covid-19	covid-19	PROPN
faba-276	231	11	risk	risk	NOUN
faba-276	231	12	can	can	AUX
faba-276	231	13	be	be	AUX
faba-276	231	14	seen	see	VERB
faba-276	231	15	as	as	ADV
faba-276	231	16	well	well	ADV
faba-276	231	17	.	.	PUNCT
faba-276	232	1	thus	thus	ADV
faba-276	232	2	,	,	PUNCT
faba-276	232	3	among	among	ADP
faba-276	232	4	the	the	DET
faba-276	232	5	four	four	NUM
faba-276	232	6	independent	independent	ADJ
faba-276	232	7	variables	variable	NOUN
faba-276	232	8	,	,	PUNCT
faba-276	232	9	pu	pu	PROPN
faba-276	232	10	is	be	AUX
faba-276	232	11	reported	report	VERB
faba-276	232	12	to	to	PART
faba-276	232	13	be	be	AUX
faba-276	232	14	the	the	DET
faba-276	232	15	most	most	ADV
faba-276	232	16	important	important	ADJ
faba-276	232	17	and	and	CCONJ
faba-276	232	18	strongest	strong	ADJ
faba-276	232	19	influence	influence	NOUN
faba-276	232	20	on	on	ADP
faba-276	232	21	the	the	DET
faba-276	232	22	dependent	dependent	ADJ
faba-276	232	23	variable	variable	NOUN
faba-276	232	24	with	with	ADP
faba-276	232	25	a	a	DET
faba-276	232	26	standardized	standardized	ADJ
faba-276	232	27	beta	beta	NOUN
faba-276	232	28	of	of	ADP
faba-276	232	29	0.554	0.554	NUM
faba-276	232	30	followed	follow	VERB
faba-276	232	31	by	by	ADP
faba-276	232	32	peou	peou	ADV
faba-276	232	33	,	,	PUNCT
faba-276	232	34	perceived	perceive	VERB
faba-276	232	35	covid-19	covid-19	PROPN
faba-276	232	36	risk	risk	NOUN
faba-276	232	37	and	and	CCONJ
faba-276	232	38	sn	sn	NOUN
faba-276	232	39	.	.	PUNCT
faba-276	233	1	the	the	DET
faba-276	233	2	tests	test	NOUN
faba-276	233	3	of	of	ADP
faba-276	233	4	significance	significance	NOUN
faba-276	233	5	for	for	ADP
faba-276	233	6	each	each	DET
faba-276	233	7	predictor	predictor	NOUN
faba-276	233	8	or	or	CCONJ
faba-276	233	9	independent	independent	ADJ
faba-276	233	10	variables	variable	NOUN
faba-276	233	11	have	have	AUX
faba-276	233	12	been	be	AUX
faba-276	233	13	assessed	assess	VERB
faba-276	233	14	and	and	CCONJ
faba-276	233	15	the	the	DET
faba-276	233	16	results	result	NOUN
faba-276	233	17	yield	yield	VERB
faba-276	233	18	that	that	SCONJ
faba-276	233	19	the	the	DET
faba-276	233	20	partial	partial	ADJ
faba-276	233	21	correlation	correlation	NOUN
faba-276	233	22	between	between	ADP
faba-276	233	23	the	the	DET
faba-276	233	24	independent	independent	ADJ
faba-276	233	25	variables	variable	NOUN
faba-276	233	26	peou	peou	ADV
faba-276	233	27	,	,	PUNCT
faba-276	233	28	pu	pu	PROPN
faba-276	233	29	and	and	CCONJ
faba-276	233	30	perceived	perceive	VERB
faba-276	233	31	covid-19	covid-19	PROPN
faba-276	233	32	risk	risk	NOUN
faba-276	233	33	against	against	ADP
faba-276	233	34	the	the	DET
faba-276	233	35	dependent	dependent	ADJ
faba-276	233	36	variable	variable	NOUN
faba-276	233	37	is	be	AUX
faba-276	233	38	not	not	PART
faba-276	233	39	due	due	ADJ
faba-276	233	40	to	to	ADP
faba-276	233	41	chance	chance	NOUN
faba-276	233	42	,	,	PUNCT
faba-276	233	43	which	which	PRON
faba-276	233	44	is	be	AUX
faba-276	233	45	sampling	sample	VERB
faba-276	233	46	error	error	NOUN
faba-276	233	47	(	(	PUNCT
faba-276	233	48	sig	sig	NOUN
faba-276	233	49	.	.	PUNCT
faba-276	234	1	=	=	PUNCT
faba-276	234	2	0.000	0.000	NUM
faba-276	234	3	)	)	PUNCT
faba-276	234	4	.	.	PUNCT
faba-276	235	1	however	however	ADV
faba-276	235	2	,	,	PUNCT
faba-276	235	3	for	for	ADP
faba-276	235	4	sn	sn	PROPN
faba-276	235	5	,	,	PUNCT
faba-276	235	6	there	there	PRON
faba-276	235	7	is	be	VERB
faba-276	235	8	a	a	DET
faba-276	235	9	4.5	4.5	NUM
faba-276	235	10	%	%	NOUN
faba-276	235	11	chance	chance	NOUN
faba-276	235	12	that	that	SCONJ
faba-276	235	13	the	the	DET
faba-276	235	14	variable	variable	NOUN
faba-276	235	15	is	be	AUX
faba-276	235	16	correlated	correlate	VERB
faba-276	235	17	due	due	ADJ
faba-276	235	18	to	to	ADP
faba-276	235	19	sampling	sample	VERB
faba-276	235	20	error	error	NOUN
faba-276	235	21	.	.	PUNCT
faba-276	236	1	summary	summary	NOUN
faba-276	236	2	of	of	ADP
faba-276	236	3	hypotheses	hypothesis	NOUN
faba-276	236	4	analysis	analysis	NOUN
faba-276	236	5	table	table	NOUN
faba-276	236	6	7	7	NUM
faba-276	236	7	.	.	PUNCT
faba-276	237	1	summary	summary	NOUN
faba-276	237	2	of	of	ADP
faba-276	237	3	hypotheses	hypothesis	NOUN
faba-276	237	4	analysis	analysis	NOUN
faba-276	237	5	hypothesis	hypothesis	NOUN
faba-276	237	6	alternative	alternative	NOUN
faba-276	237	7	result	result	NOUN
faba-276	237	8	h1	h1	NOUN
faba-276	237	9	subjective	subjective	ADJ
faba-276	237	10	norms	norm	NOUN
faba-276	237	11	would	would	AUX
faba-276	237	12	affect	affect	VERB
faba-276	237	13	the	the	DET
faba-276	237	14	adoption	adoption	NOUN
faba-276	237	15	of	of	ADP
faba-276	237	16	mobile	mobile	ADJ
faba-276	237	17	payment	payment	NOUN
faba-276	237	18	significant	significant	ADJ
faba-276	237	19	h2	h2	NOUN
faba-276	237	20	perceived	perceive	VERB
faba-276	237	21	usefulness	usefulness	NOUN
faba-276	237	22	would	would	AUX
faba-276	237	23	affect	affect	VERB
faba-276	237	24	the	the	DET
faba-276	237	25	adoption	adoption	NOUN
faba-276	237	26	of	of	ADP
faba-276	237	27	mobile	mobile	ADJ
faba-276	237	28	payment	payment	NOUN
faba-276	237	29	significant	significant	ADJ
faba-276	237	30	h3	h3	NOUN
faba-276	237	31	perceived	perceive	VERB
faba-276	237	32	ease	ease	NOUN
faba-276	237	33	of	of	ADP
faba-276	237	34	use	use	NOUN
faba-276	237	35	would	would	AUX
faba-276	237	36	affect	affect	VERB
faba-276	237	37	the	the	DET
faba-276	237	38	adoption	adoption	NOUN
faba-276	237	39	of	of	ADP
faba-276	237	40	mobile	mobile	ADJ
faba-276	237	41	payment	payment	NOUN
faba-276	237	42	significant	significant	ADJ
faba-276	237	43	h4	h4	NOUN
faba-276	237	44	perceived	perceive	VERB
faba-276	237	45	covid-19	covid-19	PROPN
faba-276	237	46	risk	risk	NOUN
faba-276	237	47	would	would	AUX
faba-276	237	48	affect	affect	VERB
faba-276	237	49	the	the	DET
faba-276	237	50	adoption	adoption	NOUN
faba-276	237	51	of	of	ADP
faba-276	237	52	mobile	mobile	ADJ
faba-276	237	53	payment	payment	NOUN
faba-276	237	54	significant	significant	ADJ
faba-276	237	55	source	source	NOUN
faba-276	237	56	:	:	PUNCT
faba-276	237	57	compiled	compile	VERB
faba-276	237	58	by	by	ADP
faba-276	237	59	authors	author	NOUN
faba-276	237	60	.	.	PUNCT
faba-276	238	1	based	base	VERB
faba-276	238	2	on	on	ADP
faba-276	238	3	table	table	NOUN
faba-276	238	4	7	7	NUM
faba-276	238	5	above	above	ADV
faba-276	238	6	,	,	PUNCT
faba-276	238	7	all	all	DET
faba-276	238	8	hypotheses	hypothesis	NOUN
faba-276	238	9	are	be	AUX
faba-276	238	10	accepted	accept	VERB
faba-276	238	11	based	base	VERB
faba-276	238	12	on	on	ADP
faba-276	238	13	the	the	DET
faba-276	238	14	four	four	NUM
faba-276	238	15	independent	independent	ADJ
faba-276	238	16	variables	variable	NOUN
faba-276	238	17	of	of	ADP
faba-276	238	18	sn	sn	PROPN
faba-276	238	19	,	,	PUNCT
faba-276	238	20	peou	peou	ADV
faba-276	238	21	,	,	PUNCT
faba-276	238	22	pu	pu	PROPN
faba-276	238	23	and	and	CCONJ
faba-276	238	24	perceived	perceive	VERB
faba-276	238	25	covid-19	covid-19	PROPN
faba-276	238	26	risk	risk	NOUN
faba-276	238	27	.	.	PUNCT
faba-276	239	1	the	the	DET
faba-276	239	2	result	result	NOUN
faba-276	239	3	of	of	ADP
faba-276	239	4	the	the	DET
faba-276	239	5	regression	regression	NOUN
faba-276	239	6	analysis	analysis	NOUN
faba-276	239	7	with	with	ADP
faba-276	239	8	the	the	DET
faba-276	239	9	dependent	dependent	ADJ
faba-276	239	10	variable	variable	NOUN
faba-276	239	11	has	have	AUX
faba-276	239	12	confirmed	confirm	VERB
faba-276	239	13	that	that	SCONJ
faba-276	239	14	the	the	DET
faba-276	239	15	four	four	NUM
faba-276	239	16	independent	independent	ADJ
faba-276	239	17	variables	variable	NOUN
faba-276	239	18	would	would	AUX
faba-276	239	19	highly	highly	ADV
faba-276	239	20	influence	influence	VERB
faba-276	239	21	the	the	DET
faba-276	239	22	behavioural	behavioural	ADJ
faba-276	239	23	intention	intention	NOUN
faba-276	239	24	of	of	ADP
faba-276	239	25	malaysians	malaysians	PROPN
faba-276	239	26	to	to	PART
faba-276	239	27	adopt	adopt	VERB
faba-276	239	28	mobile	mobile	ADJ
faba-276	239	29	payments	payment	NOUN
faba-276	239	30	.	.	PUNCT
faba-276	240	1	thus	thus	ADV
faba-276	240	2	,	,	PUNCT
faba-276	240	3	the	the	DET
faba-276	240	4	null	null	ADJ
faba-276	240	5	hypotheses	hypothesis	NOUN
faba-276	240	6	for	for	ADP
faba-276	240	7	all	all	DET
faba-276	240	8	four	four	NUM
faba-276	240	9	independent	independent	ADJ
faba-276	240	10	variables	variable	NOUN
faba-276	240	11	are	be	AUX
faba-276	240	12	rejected	reject	VERB
faba-276	240	13	since	since	SCONJ
faba-276	240	14	the	the	DET
faba-276	240	15	significant	significant	ADJ
faba-276	240	16	value	value	NOUN
faba-276	240	17	for	for	ADP
faba-276	240	18	all	all	DET
faba-276	240	19	variables	variable	NOUN
faba-276	240	20	is	be	AUX
faba-276	240	21	0.000	0.000	NUM
faba-276	240	22	.	.	PUNCT
faba-276	241	1	with	with	ADP
faba-276	241	2	this	this	PRON
faba-276	241	3	,	,	PUNCT
faba-276	241	4	all	all	DET
faba-276	241	5	the	the	DET
faba-276	241	6	research	research	NOUN
faba-276	241	7	objectives	objective	NOUN
faba-276	241	8	in	in	ADP
faba-276	241	9	this	this	DET
faba-276	241	10	study	study	NOUN
faba-276	241	11	are	be	AUX
faba-276	241	12	met	meet	VERB
faba-276	241	13	and	and	CCONJ
faba-276	241	14	concluded	conclude	VERB
faba-276	241	15	effectively	effectively	ADV
faba-276	241	16	.	.	PUNCT
faba-276	242	1	there	there	PRON
faba-276	242	2	is	be	VERB
faba-276	242	3	substance	substance	NOUN
faba-276	242	4	to	to	ADP
faba-276	242	5	the	the	DET
faba-276	242	6	researcher	researcher	NOUN
faba-276	242	7	's	's	PART
faba-276	242	8	theoretical	theoretical	ADJ
faba-276	242	9	framework	framework	NOUN
faba-276	242	10	based	base	VERB
faba-276	242	11	on	on	ADP
faba-276	242	12	the	the	DET
faba-276	242	13	research	research	NOUN
faba-276	242	14	questions	question	NOUN
faba-276	242	15	and	and	CCONJ
faba-276	242	16	hypothesis	hypothesis	NOUN
faba-276	242	17	results	result	NOUN
faba-276	242	18	.	.	PUNCT
faba-276	243	1	an	an	DET
faba-276	243	2	extended	extend	VERB
faba-276	243	3	tam	tam	NOUN
faba-276	243	4	model	model	NOUN
faba-276	243	5	which	which	PRON
faba-276	243	6	fuses	fuse	VERB
faba-276	243	7	the	the	DET
faba-276	243	8	concepts	concept	NOUN
faba-276	243	9	proposed	propose	VERB
faba-276	243	10	in	in	ADP
faba-276	243	11	tpb	tpb	NOUN
faba-276	243	12	and	and	CCONJ
faba-276	243	13	tra	tra	NOUN
faba-276	243	14	were	be	AUX
faba-276	243	15	used	use	VERB
faba-276	243	16	to	to	PART
faba-276	243	17	include	include	VERB
faba-276	243	18	pu	pu	PROPN
faba-276	243	19	,	,	PUNCT
faba-276	243	20	peou	peou	ADV
faba-276	243	21	,	,	PUNCT
faba-276	243	22	sn	sn	PROPN
faba-276	243	23	and	and	CCONJ
faba-276	243	24	perceived	perceive	VERB
faba-276	243	25	covid-19	covid-19	PROPN
faba-276	243	26	risk	risk	NOUN
faba-276	243	27	.	.	PUNCT
faba-276	244	1	according	accord	VERB
faba-276	244	2	to	to	ADP
faba-276	244	3	the	the	DET
faba-276	244	4	findings	finding	NOUN
faba-276	244	5	of	of	ADP
faba-276	244	6	this	this	DET
faba-276	244	7	study	study	NOUN
faba-276	244	8	,	,	PUNCT
faba-276	244	9	the	the	DET
faba-276	244	10	four	four	NUM
faba-276	244	11	independent	independent	ADJ
faba-276	244	12	variables	variable	NOUN
faba-276	244	13	were	be	AUX
faba-276	244	14	found	find	VERB
faba-276	244	15	to	to	PART
faba-276	244	16	be	be	AUX
faba-276	244	17	statistically	statistically	ADV
faba-276	244	18	significant	significant	ADJ
faba-276	244	19	in	in	ADP
faba-276	244	20	its	its	PRON
faba-276	244	21	influence	influence	NOUN
faba-276	244	22	users	user	NOUN
faba-276	244	23	’	'	PUNCT
faba-276	244	24	intentions	intention	NOUN
faba-276	244	25	to	to	PART
faba-276	244	26	accept	accept	VERB
faba-276	244	27	and	and	CCONJ
faba-276	244	28	use	use	VERB
faba-276	244	29	mobile	mobile	ADJ
faba-276	244	30	payments	payment	NOUN
faba-276	244	31	.	.	PUNCT
faba-276	245	1	conclusion	conclusion	NOUN
faba-276	245	2	the	the	DET
faba-276	245	3	purpose	purpose	NOUN
faba-276	245	4	of	of	ADP
faba-276	245	5	this	this	DET
faba-276	245	6	empirical	empirical	ADJ
faba-276	245	7	study	study	NOUN
faba-276	245	8	was	be	AUX
faba-276	245	9	to	to	PART
faba-276	245	10	study	study	VERB
faba-276	245	11	the	the	DET
faba-276	245	12	factors	factor	NOUN
faba-276	245	13	influencing	influence	VERB
faba-276	245	14	the	the	DET
faba-276	245	15	behavioural	behavioural	ADJ
faba-276	245	16	intention	intention	NOUN
faba-276	245	17	to	to	PART
faba-276	245	18	adopt	adopt	VERB
faba-276	245	19	mobile	mobile	ADJ
faba-276	245	20	payment	payment	NOUN
faba-276	245	21	with	with	ADP
faba-276	245	22	the	the	DET
faba-276	245	23	presence	presence	NOUN
faba-276	245	24	of	of	ADP
faba-276	245	25	covid-19	covid-19	PROPN
faba-276	245	26	in	in	ADP
faba-276	245	27	malaysia	malaysia	PROPN
faba-276	245	28	.	.	PUNCT
faba-276	246	1	the	the	DET
faba-276	246	2	effects	effect	NOUN
faba-276	246	3	of	of	ADP
faba-276	246	4	the	the	DET
faba-276	246	5	independent	independent	ADJ
faba-276	246	6	variables	variable	NOUN
faba-276	246	7	which	which	PRON
faba-276	246	8	consist	consist	VERB
faba-276	246	9	of	of	ADP
faba-276	246	10	sn	sn	PROPN
faba-276	246	11	,	,	PUNCT
faba-276	246	12	peou	peou	ADV
faba-276	246	13	,	,	PUNCT
faba-276	246	14	pu	pu	PROPN
faba-276	246	15	and	and	CCONJ
faba-276	246	16	perceived	perceive	VERB
faba-276	246	17	covid-19	covid-19	PROPN
faba-276	246	18	risk	risk	NOUN
faba-276	246	19	have	have	AUX
faba-276	246	20	been	be	AUX
faba-276	246	21	analysed	analyse	VERB
faba-276	246	22	based	base	VERB
faba-276	246	23	on	on	ADP
faba-276	246	24	their	their	PRON
faba-276	246	25	influence	influence	NOUN
faba-276	246	26	on	on	ADP
faba-276	246	27	the	the	DET
faba-276	246	28	behavioural	behavioural	ADJ
faba-276	246	29	intention	intention	NOUN
faba-276	246	30	of	of	ADP
faba-276	246	31	malaysians	malaysians	PROPN
faba-276	246	32	to	to	PART
faba-276	246	33	use	use	VERB
faba-276	246	34	mobile	mobile	ADJ
faba-276	246	35	payments	payment	NOUN
faba-276	246	36	from	from	ADP
faba-276	246	37	the	the	DET
faba-276	246	38	393	393	NUM
faba-276	246	39	responses	response	NOUN
faba-276	246	40	collected	collect	VERB
faba-276	246	41	.	.	PUNCT
faba-276	247	1	majority	majority	NOUN
faba-276	247	2	of	of	ADP
faba-276	247	3	the	the	DET
faba-276	247	4	respondents	respondent	NOUN
faba-276	247	5	are	be	AUX
faba-276	247	6	female	female	ADJ
faba-276	247	7	with	with	ADP
faba-276	247	8	the	the	DET
faba-276	247	9	biggest	big	ADJ
faba-276	247	10	age	age	NOUN
faba-276	247	11	group	group	NOUN
faba-276	247	12	are	be	AUX
faba-276	247	13	those	those	PRON
faba-276	247	14	aged	aged	ADJ
faba-276	247	15	between	between	ADP
faba-276	247	16	40	40	NUM
faba-276	247	17	-	-	SYM
faba-276	247	18	49	49	NUM
faba-276	247	19	years	year	NOUN
faba-276	247	20	old	old	ADJ
faba-276	247	21	.	.	PUNCT
faba-276	248	1	most	most	ADJ
faba-276	248	2	of	of	ADP
faba-276	248	3	the	the	DET
faba-276	248	4	respondents	respondent	NOUN
faba-276	248	5	hold	hold	VERB
faba-276	248	6	a	a	DET
faba-276	248	7	bachelor	bachelor	NOUN
faba-276	248	8	’s	’s	PART
faba-276	248	9	degree	degree	NOUN
faba-276	248	10	or	or	CCONJ
faba-276	248	11	a	a	DET
faba-276	248	12	professional	professional	ADJ
faba-276	248	13	degree	degree	NOUN
faba-276	248	14	and	and	CCONJ
faba-276	248	15	based	base	VERB
faba-276	248	16	on	on	ADP
faba-276	248	17	their	their	PRON
faba-276	248	18	employment	employment	NOUN
faba-276	248	19	status	status	NOUN
faba-276	248	20	,	,	PUNCT
faba-276	248	21	most	most	ADJ
faba-276	248	22	of	of	ADP
faba-276	248	23	respondents	respondent	NOUN
faba-276	248	24	are	be	AUX
faba-276	248	25	currently	currently	ADV
faba-276	248	26	employed	employ	VERB
faba-276	248	27	.	.	PUNCT
faba-276	249	1	based	base	VERB
faba-276	249	2	on	on	ADP
faba-276	249	3	the	the	DET
faba-276	249	4	regression	regression	NOUN
faba-276	249	5	analysis	analysis	NOUN
faba-276	249	6	,	,	PUNCT
faba-276	249	7	it	it	PRON
faba-276	249	8	was	be	AUX
faba-276	249	9	found	find	VERB
faba-276	249	10	that	that	SCONJ
faba-276	249	11	all	all	DET
faba-276	249	12	variables	variable	NOUN
faba-276	249	13	had	have	VERB
faba-276	249	14	a	a	DET
faba-276	249	15	significant	significant	ADJ
faba-276	249	16	effect	effect	NOUN
faba-276	249	17	on	on	ADP
faba-276	249	18	malaysians	malaysians	PROPN
faba-276	249	19	’	'	PUNCT
faba-276	249	20	behavioural	behavioural	ADJ
faba-276	249	21	intention	intention	NOUN
faba-276	249	22	to	to	PART
faba-276	249	23	use	use	VERB
faba-276	249	24	mobile	mobile	ADJ
faba-276	249	25	payments	payment	NOUN
faba-276	249	26	during	during	ADP
faba-276	249	27	the	the	DET
faba-276	249	28	covid-19	covid-19	PROPN
faba-276	249	29	pandemic	pandemic	NOUN
faba-276	249	30	with	with	ADP
faba-276	249	31	pu	pu	PROPN
faba-276	249	32	having	have	VERB
faba-276	249	33	the	the	DET
faba-276	249	34	highest	high	ADJ
faba-276	249	35	degree	degree	NOUN
faba-276	249	36	of	of	ADP
faba-276	249	37	influence	influence	NOUN
faba-276	249	38	for	for	SCONJ
faba-276	249	39	malaysians	malaysians	PROPN
faba-276	249	40	to	to	PART
faba-276	249	41	adopt	adopt	VERB
faba-276	249	42	mobile	mobile	ADJ
faba-276	249	43	payment	payment	NOUN
faba-276	249	44	.	.	PUNCT
faba-276	250	1	after	after	ADP
faba-276	250	2	testing	testing	NOUN
faba-276	250	3	and	and	CCONJ
faba-276	250	4	analysing	analyse	VERB
faba-276	250	5	the	the	DET
faba-276	250	6	data	datum	NOUN
faba-276	250	7	obtained	obtain	VERB
faba-276	250	8	using	use	VERB
faba-276	250	9	reliability	reliability	NOUN
faba-276	250	10	,	,	PUNCT
faba-276	250	11	correlation	correlation	NOUN
faba-276	250	12	,	,	PUNCT
faba-276	250	13	and	and	CCONJ
faba-276	250	14	multiple	multiple	ADJ
faba-276	250	15	regression	regression	NOUN
faba-276	250	16	,	,	PUNCT
faba-276	250	17	it	it	PRON
faba-276	250	18	was	be	AUX
faba-276	250	19	found	find	VERB
faba-276	250	20	that	that	SCONJ
faba-276	250	21	all	all	DET
faba-276	250	22	variable	variable	NOUN
faba-276	250	23	in	in	ADP
faba-276	250	24	the	the	DET
faba-276	250	25	theoretical	theoretical	ADJ
faba-276	250	26	framework	framework	NOUN
faba-276	250	27	is	be	AUX
faba-276	250	28	significantly	significantly	ADV
faba-276	250	29	related	relate	VERB
faba-276	250	30	to	to	ADP
faba-276	250	31	the	the	DET
faba-276	250	32	hypothesis	hypothesis	NOUN
faba-276	250	33	testing	testing	NOUN
faba-276	250	34	result	result	NOUN
faba-276	250	35	and	and	CCONJ
faba-276	250	36	the	the	DET
faba-276	250	37	research	research	NOUN
faba-276	250	38	questions	question	NOUN
faba-276	250	39	which	which	PRON
faba-276	250	40	on	on	ADP
faba-276	250	41	malaysians	malaysians	PROPN
faba-276	250	42	’	'	PUNCT
faba-276	250	43	behavioural	behavioural	ADJ
faba-276	250	44	intention	intention	NOUN
faba-276	250	45	to	to	PART
faba-276	250	46	use	use	VERB
faba-276	250	47	mobile	mobile	ADJ
faba-276	250	48	payments	payment	NOUN
faba-276	250	49	during	during	ADP
faba-276	250	50	the	the	DET
faba-276	250	51	covid-19	covid-19	PROPN
faba-276	250	52	pandemic	pandemic	NOUN
faba-276	250	53	.	.	PUNCT
faba-276	251	1	this	this	DET
faba-276	251	2	study	study	NOUN
faba-276	251	3	has	have	AUX
faba-276	251	4	thus	thus	ADV
faba-276	251	5	contributed	contribute	VERB
faba-276	251	6	by	by	ADP
faba-276	251	7	providing	provide	VERB
faba-276	251	8	insights	insight	NOUN
faba-276	251	9	and	and	CCONJ
faba-276	251	10	input	input	NOUN
faba-276	251	11	into	into	ADP
faba-276	251	12	the	the	DET
faba-276	251	13	future	future	ADJ
faba-276	251	14	development	development	NOUN
faba-276	251	15	of	of	ADP
faba-276	251	16	the	the	DET
faba-276	251	17	mobile	mobile	ADJ
faba-276	251	18	payment	payment	NOUN
faba-276	251	19	industry	industry	NOUN
faba-276	251	20	where	where	SCONJ
faba-276	251	21	pu	pu	PROPN
faba-276	251	22	was	be	AUX
faba-276	251	23	seen	see	VERB
faba-276	251	24	as	as	ADP
faba-276	251	25	the	the	DET
faba-276	251	26	biggest	big	ADJ
faba-276	251	27	influencer	influencer	NOUN
faba-276	251	28	to	to	ADP
faba-276	251	29	the	the	DET
faba-276	251	30	behavioural	behavioural	ADJ
faba-276	251	31	intention	intention	NOUN
faba-276	251	32	to	to	PART
faba-276	251	33	adopt	adopt	VERB
faba-276	251	34	mobile	mobile	ADJ
faba-276	251	35	payment	payment	NOUN
faba-276	251	36	.	.	PUNCT
faba-276	252	1	the	the	DET
faba-276	252	2	inclusion	inclusion	NOUN
faba-276	252	3	of	of	ADP
faba-276	252	4	perceived	perceive	VERB
faba-276	252	5	covid-19	covid-19	PROPN
faba-276	252	6	risk	risk	NOUN
faba-276	252	7	as	as	ADP
faba-276	252	8	part	part	NOUN
faba-276	252	9	of	of	ADP
faba-276	252	10	the	the	DET
faba-276	252	11	market	market	NOUN
faba-276	252	12	considerations	consideration	NOUN
faba-276	252	13	within	within	ADP
faba-276	252	14	tam	tam	NOUN
faba-276	252	15	provides	provide	VERB
faba-276	252	16	a	a	DET
faba-276	252	17	theoretical	theoretical	ADJ
faba-276	252	18	and	and	CCONJ
faba-276	252	19	practical	practical	ADJ
faba-276	252	20	contribution	contribution	NOUN
faba-276	252	21	to	to	ADP
faba-276	252	22	the	the	DET
faba-276	252	23	studies	study	NOUN
faba-276	252	24	expanding	expand	VERB
faba-276	252	25	the	the	DET
faba-276	252	26	theory	theory	NOUN
faba-276	252	27	.	.	PUNCT
faba-276	253	1	this	this	PRON
faba-276	253	2	would	would	AUX
faba-276	253	3	therefore	therefore	ADV
faba-276	253	4	open	open	VERB
faba-276	253	5	up	up	ADP
faba-276	253	6	for	for	ADP
faba-276	253	7	other	other	ADJ
faba-276	253	8	researchers	researcher	NOUN
faba-276	253	9	to	to	PART
faba-276	253	10	include	include	VERB
faba-276	253	11	market	market	NOUN
faba-276	253	12	considerations	consideration	NOUN
faba-276	253	13	as	as	ADP
faba-276	253	14	part	part	NOUN
faba-276	253	15	of	of	ADP
faba-276	253	16	their	their	PRON
faba-276	253	17	study	study	NOUN
faba-276	253	18	to	to	PART
faba-276	253	19	assess	assess	VERB
faba-276	253	20	the	the	DET
faba-276	253	21	behavioural	behavioural	ADJ
faba-276	253	22	intention	intention	NOUN
faba-276	253	23	of	of	ADP
faba-276	253	24	people	people	NOUN
faba-276	253	25	to	to	PART
faba-276	253	26	adopt	adopt	VERB
faba-276	253	27	technology	technology	NOUN
faba-276	253	28	.	.	PUNCT
faba-276	254	1	the	the	DET
faba-276	254	2	findings	finding	NOUN
faba-276	254	3	highlight	highlight	VERB
faba-276	254	4	the	the	DET
faba-276	254	5	need	need	NOUN
faba-276	254	6	to	to	PART
faba-276	254	7	sustain	sustain	VERB
faba-276	254	8	fintech	fintech	NOUN
faba-276	254	9	innovation	innovation	NOUN
faba-276	254	10	and	and	CCONJ
faba-276	254	11	trust	trust	NOUN
faba-276	254	12	-	-	PUNCT
faba-276	254	13	driven	drive	VERB
faba-276	254	14	adoption	adoption	NOUN
faba-276	254	15	beyond	beyond	ADP
faba-276	254	16	the	the	DET
faba-276	254	17	pandemic	pandemic	NOUN
faba-276	254	18	.	.	PUNCT
faba-276	255	1	in	in	ADP
faba-276	255	2	malaysia	malaysia	PROPN
faba-276	255	3	,	,	PUNCT
faba-276	255	4	recent	recent	ADJ
faba-276	255	5	evidence	evidence	NOUN
faba-276	255	6	shows	show	VERB
faba-276	255	7	that	that	SCONJ
faba-276	255	8	user	user	NOUN
faba-276	255	9	trust	trust	NOUN
faba-276	255	10	remains	remain	VERB
faba-276	255	11	a	a	DET
faba-276	255	12	necessary	necessary	ADJ
faba-276	255	13	condition	condition	NOUN
faba-276	255	14	for	for	ADP
faba-276	255	15	continued	continued	ADJ
faba-276	255	16	use	use	NOUN
faba-276	255	17	of	of	ADP
faba-276	255	18	mobile	mobile	ADJ
faba-276	255	19	payments	payment	NOUN
faba-276	255	20	,	,	PUNCT
faba-276	255	21	confirming	confirm	VERB
faba-276	255	22	its	its	PRON
faba-276	255	23	central	central	ADJ
faba-276	255	24	role	role	NOUN
faba-276	255	25	in	in	ADP
faba-276	255	26	shaping	shape	VERB
faba-276	255	27	digital	digital	ADJ
faba-276	255	28	financial	financial	ADJ
faba-276	255	29	behavior	behavior	NOUN
faba-276	255	30	(	(	PUNCT
faba-276	255	31	mohd	mohd	PROPN
faba-276	255	32	reza	reza	PROPN
faba-276	255	33	et	et	PROPN
faba-276	255	34	al	al	PROPN
faba-276	255	35	.	.	PROPN
faba-276	255	36	2024	2024	NUM
faba-276	255	37	;	;	PUNCT
faba-276	255	38	tan	tan	PROPN
faba-276	255	39	et	et	PROPN
faba-276	255	40	al	al	PROPN
faba-276	255	41	.	.	PROPN
faba-276	255	42	2024	2024	NUM
faba-276	255	43	)	)	PUNCT
faba-276	255	44	.	.	PUNCT
faba-276	256	1	this	this	PRON
faba-276	256	2	aligns	align	VERB
faba-276	256	3	with	with	ADP
faba-276	256	4	bank	bank	PROPN
faba-276	256	5	negara	negara	PROPN
faba-276	256	6	malaysia	malaysia	PROPN
faba-276	256	7	’s	’s	PART
faba-276	256	8	financial	financial	ADJ
faba-276	256	9	sector	sector	NOUN
faba-276	256	10	blueprint	blueprint	NOUN
faba-276	256	11	2022–2026	2022–2026	PROPN
faba-276	256	12	,	,	PUNCT
faba-276	256	13	which	which	PRON
faba-276	256	14	emphasizes	emphasize	VERB
faba-276	256	15	digital	digital	ADJ
faba-276	256	16	inclusion	inclusion	NOUN
faba-276	256	17	and	and	CCONJ
faba-276	256	18	a	a	DET
faba-276	256	19	secure	secure	ADJ
faba-276	256	20	cashless	cashless	NOUN
faba-276	256	21	ecosystem	ecosystem	NOUN
faba-276	256	22	(	(	PUNCT
faba-276	256	23	bank	bank	NOUN
faba-276	256	24	negara	negara	PROPN
faba-276	256	25	malaysia	malaysia	PROPN
faba-276	256	26	2022	2022	NUM
faba-276	256	27	)	)	PUNCT
faba-276	256	28	.	.	PUNCT
faba-276	257	1	in	in	ADP
faba-276	257	2	indonesia	indonesia	PROPN
faba-276	257	3	,	,	PUNCT
faba-276	257	4	studies	study	NOUN
faba-276	257	5	reveal	reveal	VERB
faba-276	257	6	that	that	SCONJ
faba-276	257	7	micro	micro	NOUN
faba-276	257	8	,	,	PUNCT
faba-276	257	9	small	small	ADJ
faba-276	257	10	,	,	PUNCT
faba-276	257	11	and	and	CCONJ
faba-276	257	12	medium	medium	ADJ
faba-276	257	13	enterprises	enterprise	NOUN
faba-276	257	14	(	(	PUNCT
faba-276	257	15	msmes	msme	NOUN
faba-276	257	16	)	)	PUNCT
faba-276	257	17	increasingly	increasingly	ADV
faba-276	257	18	adopt	adopt	VERB
faba-276	257	19	qr	qr	NOUN
faba-276	257	20	-	-	PUNCT
faba-276	257	21	based	base	VERB
faba-276	257	22	mobile	mobile	ADJ
faba-276	257	23	payments	payment	NOUN
faba-276	257	24	,	,	PUNCT
faba-276	257	25	with	with	ADP
faba-276	257	26	perceived	perceive	VERB
faba-276	257	27	ease	ease	NOUN
faba-276	257	28	of	of	ADP
faba-276	257	29	use	use	NOUN
faba-276	257	30	,	,	PUNCT
faba-276	257	31	trust	trust	NOUN
faba-276	257	32	,	,	PUNCT
faba-276	257	33	and	and	CCONJ
faba-276	257	34	merchant	merchant	NOUN
faba-276	257	35	readiness	readiness	NOUN
faba-276	257	36	emerging	emerge	VERB
faba-276	257	37	as	as	ADP
faba-276	257	38	key	key	ADJ
faba-276	257	39	determinants	determinant	NOUN
faba-276	257	40	(	(	PUNCT
faba-276	257	41	irianto	irianto	ADP
faba-276	257	42	and	and	CCONJ
faba-276	257	43	rushaizzad	rushaizzad	VERB
faba-276	257	44	a.rahim	a.rahim	PRON
faba-276	257	45	and	and	CCONJ
faba-276	257	46	jaizah	jaizah	VERB
faba-276	257	47	othman	othman	PROPN
faba-276	257	48	/	/	SYM
faba-276	257	49	finance	finance	NOUN
faba-276	257	50	,	,	PUNCT
faba-276	257	51	accounting	accounting	NOUN
faba-276	257	52	and	and	CCONJ
faba-276	257	53	business	business	NOUN
faba-276	257	54	analysis	analysis	NOUN
faba-276	257	55	,	,	PUNCT
faba-276	257	56	volume	volume	NOUN
faba-276	257	57	7	7	NUM
faba-276	257	58	issue	issue	NOUN
faba-276	257	59	2	2	NUM
faba-276	257	60	,	,	PUNCT
faba-276	257	61	2025	2025	NUM
faba-276	257	62	177	177	NUM
faba-276	257	63	chanvarasuth	chanvarasuth	NOUN
faba-276	257	64	2025	2025	NUM
faba-276	257	65	)	)	PUNCT
faba-276	257	66	.	.	PUNCT
faba-276	258	1	similarly	similarly	ADV
faba-276	258	2	,	,	PUNCT
faba-276	258	3	in	in	ADP
faba-276	258	4	vietnam	vietnam	PROPN
faba-276	258	5	,	,	PUNCT
faba-276	258	6	institutional	institutional	ADJ
faba-276	258	7	support	support	NOUN
faba-276	258	8	,	,	PUNCT
faba-276	258	9	perceived	perceive	VERB
faba-276	258	10	convenience	convenience	NOUN
faba-276	258	11	,	,	PUNCT
faba-276	258	12	and	and	CCONJ
faba-276	258	13	trust	trust	NOUN
faba-276	258	14	drive	drive	NOUN
faba-276	258	15	mobile	mobile	ADJ
faba-276	258	16	money	money	NOUN
faba-276	258	17	adoption	adoption	NOUN
faba-276	258	18	,	,	PUNCT
faba-276	258	19	reflecting	reflect	VERB
faba-276	258	20	the	the	DET
faba-276	258	21	growing	grow	VERB
faba-276	258	22	maturity	maturity	NOUN
faba-276	258	23	of	of	ADP
faba-276	258	24	the	the	DET
faba-276	258	25	fintech	fintech	NOUN
faba-276	258	26	ecosystem	ecosystem	NOUN
faba-276	258	27	(	(	PUNCT
faba-276	258	28	nguyen	nguyen	NOUN
faba-276	258	29	et	et	PROPN
faba-276	258	30	al	al	PROPN
faba-276	258	31	.	.	PROPN
faba-276	258	32	2025	2025	NUM
faba-276	258	33	)	)	PUNCT
faba-276	258	34	.	.	PUNCT
faba-276	259	1	these	these	DET
faba-276	259	2	patterns	pattern	NOUN
faba-276	259	3	suggest	suggest	VERB
faba-276	259	4	that	that	SCONJ
faba-276	259	5	across	across	ADP
faba-276	259	6	asean	asean	ADJ
faba-276	259	7	,	,	PUNCT
faba-276	259	8	digital	digital	ADJ
faba-276	259	9	payment	payment	NOUN
faba-276	259	10	adoption	adoption	NOUN
faba-276	259	11	is	be	AUX
faba-276	259	12	reinforced	reinforce	VERB
faba-276	259	13	by	by	ADP
faba-276	259	14	trust	trust	NOUN
faba-276	259	15	,	,	PUNCT
faba-276	259	16	usability	usability	NOUN
faba-276	259	17	,	,	PUNCT
faba-276	259	18	and	and	CCONJ
faba-276	259	19	supportive	supportive	ADJ
faba-276	259	20	regulatory	regulatory	ADJ
faba-276	259	21	environments	environment	NOUN
faba-276	259	22	.	.	PUNCT
faba-276	260	1	policymakers	policymaker	NOUN
faba-276	260	2	should	should	AUX
faba-276	260	3	continue	continue	VERB
faba-276	260	4	promoting	promote	VERB
faba-276	260	5	financial	financial	ADJ
faba-276	260	6	literacy	literacy	NOUN
faba-276	260	7	and	and	CCONJ
faba-276	260	8	equitable	equitable	ADJ
faba-276	260	9	access	access	NOUN
faba-276	260	10	to	to	ADP
faba-276	260	11	digital	digital	ADJ
faba-276	260	12	finance	finance	NOUN
faba-276	260	13	,	,	PUNCT
faba-276	260	14	while	while	SCONJ
faba-276	260	15	industry	industry	NOUN
faba-276	260	16	practitioners	practitioner	NOUN
faba-276	260	17	strengthen	strengthen	VERB
faba-276	260	18	risk	risk	NOUN
faba-276	260	19	communication	communication	NOUN
faba-276	260	20	and	and	CCONJ
faba-276	260	21	service	service	NOUN
faba-276	260	22	quality	quality	NOUN
faba-276	260	23	to	to	PART
faba-276	260	24	sustain	sustain	VERB
faba-276	260	25	consumer	consumer	NOUN
faba-276	260	26	confidence	confidence	NOUN
faba-276	260	27	in	in	ADP
faba-276	260	28	the	the	DET
faba-276	260	29	post	post	ADJ
faba-276	260	30	-	-	ADJ
faba-276	260	31	pandemic	pandemic	ADJ
faba-276	260	32	period	period	NOUN
faba-276	260	33	.	.	PUNCT
faba-276	261	1	one	one	NUM
faba-276	261	2	of	of	ADP
faba-276	261	3	the	the	DET
faba-276	261	4	recommendations	recommendation	NOUN
faba-276	261	5	that	that	PRON
faba-276	261	6	can	can	AUX
faba-276	261	7	be	be	AUX
faba-276	261	8	provided	provide	VERB
faba-276	261	9	is	be	AUX
faba-276	261	10	for	for	ADP
faba-276	261	11	e	e	NOUN
faba-276	261	12	-	-	NOUN
faba-276	261	13	wallet	wallet	NOUN
faba-276	261	14	and	and	CCONJ
faba-276	261	15	banks	bank	NOUN
faba-276	261	16	to	to	PART
faba-276	261	17	angle	angle	VERB
faba-276	261	18	marketing	marketing	NOUN
faba-276	261	19	activities	activity	NOUN
faba-276	261	20	on	on	ADP
faba-276	261	21	mobile	mobile	ADJ
faba-276	261	22	payments	payment	NOUN
faba-276	261	23	based	base	VERB
faba-276	261	24	on	on	ADP
faba-276	261	25	pu	pu	PROPN
faba-276	261	26	as	as	ADP
faba-276	261	27	the	the	DET
faba-276	261	28	main	main	ADJ
faba-276	261	29	criteria	criterion	NOUN
faba-276	261	30	.	.	PUNCT
faba-276	262	1	given	give	VERB
faba-276	262	2	that	that	SCONJ
faba-276	262	3	this	this	DET
faba-276	262	4	study	study	NOUN
faba-276	262	5	had	have	AUX
faba-276	262	6	found	find	VERB
faba-276	262	7	that	that	SCONJ
faba-276	262	8	the	the	DET
faba-276	262	9	pu	pu	PROPN
faba-276	262	10	would	would	AUX
faba-276	262	11	play	play	VERB
faba-276	262	12	the	the	DET
faba-276	262	13	most	most	ADV
faba-276	262	14	influential	influential	ADJ
faba-276	262	15	role	role	NOUN
faba-276	262	16	for	for	SCONJ
faba-276	262	17	users	user	NOUN
faba-276	262	18	to	to	PART
faba-276	262	19	adopt	adopt	VERB
faba-276	262	20	mobile	mobile	ADJ
faba-276	262	21	payments	payment	NOUN
faba-276	262	22	,	,	PUNCT
faba-276	262	23	banks	bank	NOUN
faba-276	262	24	and	and	CCONJ
faba-276	262	25	e	e	NOUN
faba-276	262	26	-	-	NOUN
faba-276	262	27	wallets	wallet	NOUN
faba-276	262	28	can	can	AUX
faba-276	262	29	angle	angle	VERB
faba-276	262	30	their	their	PRON
faba-276	262	31	marketing	marketing	NOUN
faba-276	262	32	activities	activity	NOUN
faba-276	262	33	based	base	VERB
faba-276	262	34	on	on	ADP
faba-276	262	35	the	the	DET
faba-276	262	36	multitude	multitude	NOUN
faba-276	262	37	of	of	ADP
faba-276	262	38	benefits	benefit	NOUN
faba-276	262	39	and	and	CCONJ
faba-276	262	40	functions	function	NOUN
faba-276	262	41	that	that	PRON
faba-276	262	42	are	be	AUX
faba-276	262	43	included	include	VERB
faba-276	262	44	as	as	ADP
faba-276	262	45	part	part	NOUN
faba-276	262	46	of	of	ADP
faba-276	262	47	their	their	PRON
faba-276	262	48	mobile	mobile	ADJ
faba-276	262	49	payment	payment	NOUN
faba-276	262	50	ecosystem	ecosystem	NOUN
faba-276	262	51	.	.	PUNCT
faba-276	263	1	the	the	DET
faba-276	263	2	perceived	perceive	VERB
faba-276	263	3	covid-19	covid-19	PROPN
faba-276	263	4	risk	risk	NOUN
faba-276	263	5	,	,	PUNCT
faba-276	263	6	despite	despite	SCONJ
faba-276	263	7	not	not	PART
faba-276	263	8	having	have	VERB
faba-276	263	9	the	the	DET
faba-276	263	10	highest	high	ADJ
faba-276	263	11	degree	degree	NOUN
faba-276	263	12	of	of	ADP
faba-276	263	13	influence	influence	NOUN
faba-276	263	14	,	,	PUNCT
faba-276	263	15	would	would	AUX
faba-276	263	16	still	still	ADV
faba-276	263	17	contribute	contribute	VERB
faba-276	263	18	to	to	ADP
faba-276	263	19	the	the	DET
faba-276	263	20	overall	overall	ADJ
faba-276	263	21	adoption	adoption	NOUN
faba-276	263	22	of	of	ADP
faba-276	263	23	mobile	mobile	ADJ
faba-276	263	24	payment	payment	NOUN
faba-276	263	25	.	.	PUNCT
faba-276	264	1	thus	thus	ADV
faba-276	264	2	,	,	PUNCT
faba-276	264	3	banks	bank	NOUN
faba-276	264	4	and	and	CCONJ
faba-276	264	5	e	e	NOUN
faba-276	264	6	-	-	NOUN
faba-276	264	7	wallets	wallet	NOUN
faba-276	264	8	can	can	AUX
faba-276	264	9	also	also	ADV
faba-276	264	10	angle	angle	VERB
faba-276	264	11	their	their	PRON
faba-276	264	12	marketing	marketing	NOUN
faba-276	264	13	efforts	effort	NOUN
faba-276	264	14	on	on	ADP
faba-276	264	15	the	the	DET
faba-276	264	16	safety	safety	NOUN
faba-276	264	17	and	and	CCONJ
faba-276	264	18	security	security	NOUN
faba-276	264	19	of	of	ADP
faba-276	264	20	using	use	VERB
faba-276	264	21	mobile	mobile	ADJ
faba-276	264	22	payment	payment	NOUN
faba-276	264	23	while	while	SCONJ
faba-276	264	24	hindering	hinder	VERB
faba-276	264	25	the	the	DET
faba-276	264	26	risk	risk	NOUN
faba-276	264	27	of	of	ADP
faba-276	264	28	covid-19	covid-19	PROPN
faba-276	264	29	.	.	PUNCT
faba-276	265	1	as	as	SCONJ
faba-276	265	2	the	the	DET
faba-276	265	3	covid19	covid19	NOUN
faba-276	265	4	pandemic	pandemic	ADJ
faba-276	265	5	continue	continue	VERB
faba-276	265	6	to	to	PART
faba-276	265	7	shift	shift	VERB
faba-276	265	8	consumer	consumer	NOUN
faba-276	265	9	behaviour	behaviour	NOUN
faba-276	265	10	,	,	PUNCT
faba-276	265	11	bnm	bnm	PROPN
faba-276	265	12	as	as	ADP
faba-276	265	13	the	the	DET
faba-276	265	14	central	central	ADJ
faba-276	265	15	bank	bank	PROPN
faba-276	265	16	of	of	ADP
faba-276	265	17	malaysia	malaysia	PROPN
faba-276	265	18	,	,	PUNCT
faba-276	265	19	can	can	AUX
faba-276	265	20	take	take	VERB
faba-276	265	21	this	this	DET
faba-276	265	22	opportunity	opportunity	NOUN
faba-276	265	23	to	to	PART
faba-276	265	24	reinforce	reinforce	VERB
faba-276	265	25	and	and	CCONJ
faba-276	265	26	focus	focus	VERB
faba-276	265	27	its	its	PRON
faba-276	265	28	efforts	effort	NOUN
faba-276	265	29	in	in	ADP
faba-276	265	30	driving	drive	VERB
faba-276	265	31	cashless	cashless	NOUN
faba-276	265	32	payments	payment	NOUN
faba-276	265	33	.	.	PUNCT
faba-276	266	1	this	this	PRON
faba-276	266	2	would	would	AUX
faba-276	266	3	see	see	VERB
faba-276	266	4	bnm	bnm	PROPN
faba-276	266	5	to	to	PART
faba-276	266	6	be	be	AUX
faba-276	266	7	able	able	ADJ
faba-276	266	8	to	to	PART
faba-276	266	9	assess	assess	VERB
faba-276	266	10	the	the	DET
faba-276	266	11	country	country	NOUN
faba-276	266	12	’s	’s	PART
faba-276	266	13	cash	cash	NOUN
faba-276	266	14	in	in	ADP
faba-276	266	15	circulation	circulation	NOUN
faba-276	266	16	to	to	ADP
faba-276	266	17	a	a	DET
faba-276	266	18	better	well	ADJ
faba-276	266	19	degree	degree	NOUN
faba-276	266	20	.	.	PUNCT
faba-276	267	1	in	in	ADP
faba-276	267	2	addition	addition	NOUN
faba-276	267	3	,	,	PUNCT
faba-276	267	4	the	the	DET
faba-276	267	5	adoption	adoption	NOUN
faba-276	267	6	of	of	ADP
faba-276	267	7	mobile	mobile	ADJ
faba-276	267	8	payment	payment	NOUN
faba-276	267	9	by	by	ADP
faba-276	267	10	malaysians	malaysians	PROPN
faba-276	267	11	would	would	AUX
faba-276	267	12	also	also	ADV
faba-276	267	13	prepare	prepare	VERB
faba-276	267	14	the	the	DET
faba-276	267	15	country	country	NOUN
faba-276	267	16	for	for	ADP
faba-276	267	17	greater	great	ADJ
faba-276	267	18	financial	financial	ADJ
faba-276	267	19	inclusion	inclusion	NOUN
faba-276	267	20	and	and	CCONJ
faba-276	267	21	potentially	potentially	ADV
faba-276	267	22	adopt	adopt	VERB
faba-276	267	23	a	a	DET
faba-276	267	24	central	central	ADJ
faba-276	267	25	bank	bank	NOUN
faba-276	267	26	digital	digital	ADJ
faba-276	267	27	currency	currency	NOUN
faba-276	267	28	if	if	SCONJ
faba-276	267	29	bnm	bnm	PROPN
faba-276	267	30	considers	consider	VERB
faba-276	267	31	adopting	adopt	VERB
faba-276	267	32	it	it	PRON
faba-276	267	33	.	.	PUNCT
faba-276	268	1	this	this	DET
faba-276	268	2	study	study	NOUN
faba-276	268	3	focused	focus	VERB
faba-276	268	4	on	on	ADP
faba-276	268	5	the	the	DET
faba-276	268	6	perceived	perceive	VERB
faba-276	268	7	covid-19	covid-19	PROPN
faba-276	268	8	risk	risk	NOUN
faba-276	268	9	without	without	ADP
faba-276	268	10	consideration	consideration	NOUN
faba-276	268	11	of	of	ADP
faba-276	268	12	other	other	ADJ
faba-276	268	13	risks	risk	NOUN
faba-276	268	14	such	such	ADJ
faba-276	268	15	as	as	ADP
faba-276	268	16	security	security	NOUN
faba-276	268	17	and	and	CCONJ
faba-276	268	18	privacy	privacy	NOUN
faba-276	268	19	risks	risk	NOUN
faba-276	268	20	,	,	PUNCT
faba-276	268	21	or	or	CCONJ
faba-276	268	22	even	even	ADV
faba-276	268	23	other	other	ADJ
faba-276	268	24	market	market	NOUN
faba-276	268	25	conditions	condition	NOUN
faba-276	268	26	such	such	ADJ
faba-276	268	27	as	as	ADP
faba-276	268	28	inflation	inflation	NOUN
faba-276	268	29	rate	rate	NOUN
faba-276	268	30	and	and	CCONJ
faba-276	268	31	consumer	consumer	NOUN
faba-276	268	32	price	price	NOUN
faba-276	268	33	index	index	NOUN
faba-276	268	34	.	.	PUNCT
faba-276	269	1	in	in	ADP
faba-276	269	2	addition	addition	NOUN
faba-276	269	3	,	,	PUNCT
faba-276	269	4	this	this	DET
faba-276	269	5	study	study	NOUN
faba-276	269	6	did	do	AUX
faba-276	269	7	not	not	PART
faba-276	269	8	examine	examine	VERB
faba-276	269	9	the	the	DET
faba-276	269	10	different	different	ADJ
faba-276	269	11	perspectives	perspective	NOUN
faba-276	269	12	of	of	ADP
faba-276	269	13	the	the	DET
faba-276	269	14	various	various	ADJ
faba-276	269	15	actors	actor	NOUN
faba-276	269	16	involved	involve	VERB
faba-276	269	17	in	in	ADP
faba-276	269	18	mobile	mobile	ADJ
faba-276	269	19	payments	payment	NOUN
faba-276	269	20	which	which	PRON
faba-276	269	21	include	include	VERB
faba-276	269	22	the	the	DET
faba-276	269	23	mobile	mobile	ADJ
faba-276	269	24	payment	payment	NOUN
faba-276	269	25	providers	provider	NOUN
faba-276	269	26	such	such	ADJ
faba-276	269	27	as	as	ADP
faba-276	269	28	banks	bank	NOUN
faba-276	269	29	and	and	CCONJ
faba-276	269	30	e	e	NOUN
faba-276	269	31	-	-	NOUN
faba-276	269	32	wallets	wallet	NOUN
faba-276	269	33	,	,	PUNCT
faba-276	269	34	as	as	ADV
faba-276	269	35	well	well	ADV
faba-276	269	36	as	as	ADP
faba-276	269	37	the	the	DET
faba-276	269	38	merchants	merchant	NOUN
faba-276	269	39	who	who	PRON
faba-276	269	40	will	will	AUX
faba-276	269	41	be	be	AUX
faba-276	269	42	the	the	DET
faba-276	269	43	ones	one	NOUN
faba-276	269	44	accepting	accept	VERB
faba-276	269	45	mobile	mobile	ADJ
faba-276	269	46	payments	payment	NOUN
faba-276	269	47	.	.	PUNCT
faba-276	270	1	the	the	DET
faba-276	270	2	adoption	adoption	NOUN
faba-276	270	3	of	of	ADP
faba-276	270	4	mobile	mobile	ADJ
faba-276	270	5	payments	payment	NOUN
faba-276	270	6	may	may	AUX
faba-276	270	7	potentially	potentially	ADV
faba-276	270	8	be	be	AUX
faba-276	270	9	impacted	impact	VERB
faba-276	270	10	depending	depend	VERB
faba-276	270	11	on	on	ADP
faba-276	270	12	the	the	DET
faba-276	270	13	degree	degree	NOUN
faba-276	270	14	to	to	PART
faba-276	270	15	which	which	PRON
faba-276	270	16	merchants	merchant	NOUN
faba-276	270	17	adopt	adopt	VERB
faba-276	270	18	and	and	CCONJ
faba-276	270	19	accept	accept	VERB
faba-276	270	20	mobile	mobile	ADJ
faba-276	270	21	payments	payment	NOUN
faba-276	270	22	which	which	PRON
faba-276	270	23	were	be	AUX
faba-276	270	24	not	not	PART
faba-276	270	25	included	include	VERB
faba-276	270	26	in	in	ADP
faba-276	270	27	this	this	DET
faba-276	270	28	study	study	NOUN
faba-276	270	29	.	.	PUNCT
faba-276	271	1	another	another	DET
faba-276	271	2	consideration	consideration	NOUN
faba-276	271	3	for	for	ADP
faba-276	271	4	future	future	ADJ
faba-276	271	5	research	research	NOUN
faba-276	271	6	should	should	AUX
faba-276	271	7	include	include	VERB
faba-276	271	8	the	the	DET
faba-276	271	9	moderating	moderate	VERB
faba-276	271	10	influence	influence	NOUN
faba-276	271	11	of	of	ADP
faba-276	271	12	demographics	demographic	NOUN
faba-276	271	13	such	such	ADJ
faba-276	271	14	as	as	ADP
faba-276	271	15	income	income	NOUN
faba-276	271	16	level	level	NOUN
faba-276	271	17	and	and	CCONJ
faba-276	271	18	residential	residential	ADJ
faba-276	271	19	level	level	NOUN
faba-276	271	20	.	.	PUNCT
faba-276	272	1	researchers	researcher	NOUN
faba-276	272	2	can	can	AUX
faba-276	272	3	also	also	ADV
faba-276	272	4	consider	consider	VERB
faba-276	272	5	performing	perform	VERB
faba-276	272	6	a	a	DET
faba-276	272	7	time	time	NOUN
faba-276	272	8	series	series	NOUN
faba-276	272	9	analysis	analysis	NOUN
faba-276	272	10	to	to	PART
faba-276	272	11	study	study	VERB
faba-276	272	12	whether	whether	SCONJ
faba-276	272	13	there	there	PRON
faba-276	272	14	have	have	AUX
faba-276	272	15	been	be	AUX
faba-276	272	16	significant	significant	ADJ
faba-276	272	17	changes	change	NOUN
faba-276	272	18	in	in	ADP
faba-276	272	19	the	the	DET
faba-276	272	20	adoption	adoption	NOUN
faba-276	272	21	of	of	ADP
faba-276	272	22	mobile	mobile	ADJ
faba-276	272	23	payments	payment	NOUN
faba-276	272	24	before	before	ADV
faba-276	272	25	,	,	PUNCT
faba-276	272	26	during	during	ADP
faba-276	272	27	and	and	CCONJ
faba-276	272	28	after	after	ADP
faba-276	272	29	the	the	DET
faba-276	272	30	covid-19	covid-19	PROPN
faba-276	272	31	pandemic	pandemic	NOUN
faba-276	272	32	.	.	PUNCT
faba-276	273	1	this	this	DET
faba-276	273	2	integration	integration	NOUN
faba-276	273	3	suggests	suggest	VERB
faba-276	273	4	that	that	SCONJ
faba-276	273	5	the	the	DET
faba-276	273	6	predictive	predictive	ADJ
faba-276	273	7	strength	strength	NOUN
faba-276	273	8	of	of	ADP
faba-276	273	9	tam	tam	NOUN
faba-276	273	10	increases	increase	NOUN
faba-276	273	11	when	when	SCONJ
faba-276	273	12	contextual	contextual	ADJ
faba-276	273	13	factors	factor	NOUN
faba-276	273	14	such	such	ADJ
faba-276	273	15	as	as	ADP
faba-276	273	16	perceived	perceive	VERB
faba-276	273	17	pandemic	pandemic	ADJ
faba-276	273	18	risk	risk	NOUN
faba-276	273	19	are	be	AUX
faba-276	273	20	incorporated	incorporate	VERB
faba-276	273	21	,	,	PUNCT
faba-276	273	22	offering	offer	VERB
faba-276	273	23	a	a	DET
faba-276	273	24	dynamic	dynamic	ADJ
faba-276	273	25	interpretation	interpretation	NOUN
faba-276	273	26	of	of	ADP
faba-276	273	27	technology	technology	NOUN
faba-276	273	28	adoption	adoption	NOUN
faba-276	273	29	under	under	ADP
faba-276	273	30	crisis	crisis	NOUN
faba-276	273	31	-	-	PUNCT
faba-276	273	32	driven	drive	VERB
faba-276	273	33	behavior	behavior	NOUN
faba-276	273	34	.	.	PUNCT
faba-276	274	1	references	reference	NOUN
faba-276	274	2	agc	agc	PROPN
faba-276	274	3	.	.	PROPN
faba-276	274	4	2006	2006	NUM
faba-276	274	5	.	.	PUNCT
faba-276	275	1	age	age	NOUN
faba-276	275	2	of	of	ADP
faba-276	275	3	majority	majority	NOUN
faba-276	275	4	act	act	NOUN
faba-276	275	5	1957	1957	NUM
faba-276	275	6	(	(	PUNCT
faba-276	275	7	act	act	PROPN
faba-276	275	8	21	21	NUM
faba-276	275	9	)	)	PUNCT
faba-276	275	10	incorporating	incorporate	VERB
faba-276	275	11	all	all	DET
faba-276	275	12	amendments	amendment	NOUN
faba-276	275	13	up	up	ADP
faba-276	275	14	to	to	PART
faba-276	275	15	1	1	NUM
faba-276	275	16	january	january	NOUN
faba-276	275	17	2006	2006	NUM
faba-276	275	18	:	:	PUNCT
faba-276	275	19	the	the	DET
faba-276	275	20	commissioner	commissioner	NOUN
faba-276	275	21	of	of	ADP
faba-276	275	22	law	law	NOUN
faba-276	275	23	revision	revision	NOUN
faba-276	275	24	,	,	PUNCT
faba-276	275	25	malaysia	malaysia	PROPN
faba-276	275	26	.	.	PUNCT
faba-276	276	1	http://www.commonlii.org/my/legis/consol_act/aoma1971153/	http://www.commonlii.org/my/legis/consol_act/aoma1971153/	PROPN
faba-276	276	2	ahmad	ahmad	PROPN
faba-276	276	3	adzri	adzri	PROPN
faba-276	276	4	,	,	PUNCT
faba-276	276	5	a.	a.	PROPN
faba-276	276	6	h.	h.	PROPN
faba-276	276	7	s.	s.	PROPN
faba-276	276	8	,	,	PUNCT
faba-276	276	9	b.	b.	PROPN
faba-276	276	10	m.	m.	PROPN
faba-276	276	11	anuar	anuar	PROPN
faba-276	276	12	shah	shah	PROPN
faba-276	276	13	,	,	PUNCT
faba-276	276	14	m.	m.	NOUN
faba-276	276	15	a.	a.	PROPN
faba-276	276	16	rana	rana	PROPN
faba-276	276	17	,	,	PUNCT
faba-276	276	18	and	and	CCONJ
faba-276	276	19	r.	r.	PROPN
faba-276	276	20	y.	y.	PROPN
faba-276	276	21	raja	raja	PROPN
faba-276	276	22	nerina	nerina	PROPN
faba-276	276	23	.	.	PROPN
faba-276	277	1	2019	2019	NUM
faba-276	277	2	.	.	PUNCT
faba-276	278	1	the	the	DET
faba-276	278	2	role	role	NOUN
faba-276	278	3	of	of	ADP
faba-276	278	4	technology	technology	NOUN
faba-276	278	5	acceptance	acceptance	NOUN
faba-276	278	6	model	model	NOUN
faba-276	278	7	on	on	ADP
faba-276	278	8	rhb	rhb	PROPN
faba-276	278	9	mobile	mobile	PROPN
faba-276	278	10	banking	banking	NOUN
faba-276	278	11	.	.	PUNCT
faba-276	279	1	international	international	ADJ
faba-276	279	2	journal	journal	PROPN
faba-276	279	3	of	of	ADP
faba-276	279	4	scientific	scientific	PROPN
faba-276	279	5	&	&	CCONJ
faba-276	279	6	technology	technology	PROPN
faba-276	279	7	research	research	NOUN
faba-276	279	8	,	,	PUNCT
faba-276	279	9	8(11	8(11	NUM
faba-276	279	10	):	):	PUNCT
faba-276	279	11	493	493	NUM
faba-276	279	12	-	-	SYM
faba-276	279	13	495	495	NUM
faba-276	279	14	.	.	PUNCT
faba-276	280	1	https://www.researchgate.net/publication/338065863	https://www.researchgate.net/publication/338065863	PROPN
faba-276	280	2	ahmad	ahmad	PROPN
faba-276	280	3	iqbal	iqbal	PROPN
faba-276	280	4	,	,	PUNCT
faba-276	280	5	h.	h.	PROPN
faba-276	280	6	s.	s.	PROPN
faba-276	280	7	,	,	PUNCT
faba-276	280	8	and	and	CCONJ
faba-276	280	9	a.	a.	PROPN
faba-276	280	10	h.	h.	PROPN
faba-276	280	11	mohd	mohd	PROPN
faba-276	280	12	shahrulnizam	shahrulnizam	PROPN
faba-276	280	13	.	.	PUNCT
faba-276	281	1	2018	2018	NUM
faba-276	281	2	.	.	PUNCT
faba-276	282	1	determinants	determinant	NOUN
faba-276	282	2	of	of	ADP
faba-276	282	3	branchless	branchless	ADJ
faba-276	282	4	digital	digital	ADJ
faba-276	282	5	banking	banking	NOUN
faba-276	282	6	acceptance	acceptance	NOUN
faba-276	282	7	among	among	ADP
faba-276	282	8	generation	generation	NOUN
faba-276	282	9	y	y	PROPN
faba-276	282	10	in	in	ADP
faba-276	282	11	malaysia	malaysia	PROPN
faba-276	282	12	.	.	PUNCT
faba-276	283	1	2018	2018	NUM
faba-276	283	2	ieee	ieee	NOUN
faba-276	283	3	conference	conference	NOUN
faba-276	283	4	on	on	ADP
faba-276	283	5	e	e	NOUN
faba-276	283	6	-	-	ADJ
faba-276	283	7	learning	learning	ADJ
faba-276	283	8	,	,	PUNCT
faba-276	283	9	e	e	NOUN
faba-276	283	10	-	-	NOUN
faba-276	283	11	management	management	NOUN
faba-276	283	12	and	and	CCONJ
faba-276	283	13	eservices	eservice	NOUN
faba-276	283	14	(	(	PUNCT
faba-276	283	15	ic3e	ic3e	PROPN
faba-276	283	16	)	)	PUNCT
faba-276	283	17	,	,	PUNCT
faba-276	283	18	103	103	NUM
faba-276	283	19	-	-	SYM
faba-276	283	20	108	108	NUM
faba-276	283	21	.	.	PUNCT
faba-276	284	1	https://doi.org/10.1109/ic3e.2018.8632626	https://doi.org/10.1109/ic3e.2018.8632626	PROPN
faba-276	284	2	.	.	PUNCT
faba-276	285	1	ajibade	ajibade	PROPN
faba-276	285	2	,	,	PUNCT
faba-276	285	3	p.	p.	NOUN
faba-276	285	4	2018	2018	NUM
faba-276	285	5	.	.	PUNCT
faba-276	286	1	technology	technology	NOUN
faba-276	286	2	acceptance	acceptance	NOUN
faba-276	286	3	model	model	NOUN
faba-276	286	4	limitations	limitation	NOUN
faba-276	286	5	and	and	CCONJ
faba-276	286	6	criticisms	criticism	NOUN
faba-276	286	7	:	:	PUNCT
faba-276	286	8	exploring	explore	VERB
faba-276	286	9	the	the	DET
faba-276	286	10	practical	practical	ADJ
faba-276	286	11	applications	application	NOUN
faba-276	286	12	and	and	CCONJ
faba-276	286	13	use	use	NOUN
faba-276	286	14	in	in	ADP
faba-276	286	15	technology	technology	NOUN
faba-276	286	16	-	-	PUNCT
faba-276	286	17	related	relate	VERB
faba-276	286	18	studies	study	NOUN
faba-276	286	19	,	,	PUNCT
faba-276	286	20	mixed	mixed	ADJ
faba-276	286	21	-	-	PUNCT
faba-276	286	22	method	method	NOUN
faba-276	286	23	,	,	PUNCT
faba-276	286	24	and	and	CCONJ
faba-276	286	25	qualitative	qualitative	ADJ
faba-276	286	26	researches	research	NOUN
faba-276	286	27	.	.	PUNCT
faba-276	287	1	library	library	ADJ
faba-276	287	2	philosophy	philosophy	NOUN
faba-276	287	3	and	and	CCONJ
faba-276	287	4	practice	practice	NOUN
faba-276	287	5	(	(	PUNCT
faba-276	287	6	e	e	NOUN
faba-276	287	7	-	-	NOUN
faba-276	287	8	journal	journal	NOUN
faba-276	287	9	)	)	PUNCT
faba-276	287	10	.	.	PUNCT
faba-276	288	1	https://core.ac.uk/download/pdf/189486068.pdf	https://core.ac.uk/download/pdf/189486068.pdf	NOUN
faba-276	288	2	ajzen	ajzen	NOUN
faba-276	288	3	,	,	PUNCT
faba-276	288	4	i.	i.	NOUN
faba-276	288	5	1991	1991	NUM
faba-276	288	6	.	.	PUNCT
faba-276	289	1	the	the	DET
faba-276	289	2	theory	theory	NOUN
faba-276	289	3	of	of	ADP
faba-276	289	4	planned	plan	VERB
faba-276	289	5	behavior	behavior	NOUN
faba-276	289	6	.	.	PUNCT
faba-276	290	1	organizational	organizational	ADJ
faba-276	290	2	behavior	behavior	NOUN
faba-276	290	3	and	and	CCONJ
faba-276	290	4	human	human	ADJ
faba-276	290	5	decision	decision	NOUN
faba-276	290	6	processes	process	NOUN
faba-276	290	7	,	,	PUNCT
faba-276	290	8	50(2	50(2	NUM
faba-276	290	9	):	):	PUNCT
faba-276	290	10	179211	179211	NUM
faba-276	290	11	.	.	PUNCT
faba-276	291	1	https://doi.org/10.1016/0749-5978(91)90020-t	https://doi.org/10.1016/0749-5978(91)90020-t	PROPN
faba-276	291	2	al	al	PROPN
faba-276	291	3	-	-	PUNCT
faba-276	291	4	qudah	qudah	PROPN
faba-276	291	5	,	,	PUNCT
faba-276	291	6	a.	a.	NOUN
faba-276	291	7	a.	a.	PROPN
faba-276	291	8	,	,	PUNCT
faba-276	291	9	a.	a.	PROPN
faba-276	291	10	m.	m.	NOUN
faba-276	291	11	al	al	PROPN
faba-276	291	12	-	-	PROPN
faba-276	291	13	okaily	okaily	ADV
faba-276	291	14	,	,	PUNCT
faba-276	291	15	a.	a.	NOUN
faba-276	291	16	a.	a.	NOUN
faba-276	291	17	shiyyab	shiyyab	PROPN
faba-276	291	18	,	,	PUNCT
faba-276	291	19	o.	o.	PROPN
faba-276	291	20	taha	taha	PROPN
faba-276	291	21	,	,	PUNCT
faba-276	291	22	d.	d.	PROPN
faba-276	291	23	a.	a.	PROPN
faba-276	291	24	almajali	almajali	PROPN
faba-276	291	25	,	,	PUNCT
faba-276	291	26	r.	r.	PROPN
faba-276	291	27	masa’deh	masa’deh	PROPN
faba-276	291	28	,	,	PUNCT
faba-276	291	29	and	and	CCONJ
faba-276	291	30	t.	t.	NOUN
faba-276	291	31	warrad	warrad	NOUN
faba-276	291	32	.	.	PUNCT
faba-276	292	1	2024	2024	NUM
faba-276	292	2	.	.	PUNCT
faba-276	293	1	determinants	determinant	NOUN
faba-276	293	2	of	of	ADP
faba-276	293	3	digital	digital	ADJ
faba-276	293	4	payment	payment	NOUN
faba-276	293	5	adoption	adoption	NOUN
faba-276	293	6	among	among	ADP
faba-276	293	7	generation	generation	NOUN
faba-276	293	8	z	z	NOUN
faba-276	293	9	,	,	PUNCT
faba-276	293	10	evidence	evidence	NOUN
faba-276	293	11	from	from	ADP
faba-276	293	12	malaysia	malaysia	PROPN
faba-276	293	13	.	.	PUNCT
faba-276	294	1	journal	journal	PROPN
faba-276	294	2	of	of	ADP
faba-276	294	3	risk	risk	NOUN
faba-276	294	4	and	and	CCONJ
faba-276	294	5	financial	financial	ADJ
faba-276	294	6	management	management	NOUN
faba-276	294	7	,	,	PUNCT
faba-276	294	8	17(11	17(11	NUM
faba-276	294	9	)	)	PUNCT
faba-276	294	10	,	,	PUNCT
faba-276	294	11	521	521	NUM
faba-276	294	12	.	.	PUNCT
faba-276	294	13	https://doi.org/10.3390/jrfm17110521	https://doi.org/10.3390/jrfm17110521	PROPN
faba-276	294	14	baber	baber	PROPN
faba-276	294	15	,	,	PUNCT
faba-276	294	16	h.	h.	PROPN
faba-276	294	17	2021	2021	NUM
faba-276	294	18	.	.	PUNCT
faba-276	295	1	modelling	model	VERB
faba-276	295	2	the	the	DET
faba-276	295	3	acceptance	acceptance	NOUN
faba-276	295	4	of	of	ADP
faba-276	295	5	e	e	NOUN
faba-276	295	6	-	-	NOUN
faba-276	295	7	learning	learn	VERB
faba-276	295	8	during	during	ADP
faba-276	295	9	the	the	DET
faba-276	295	10	pandemic	pandemic	NOUN
faba-276	295	11	of	of	ADP
faba-276	295	12	covid-19	covid-19	PROPN
faba-276	295	13	-	-	PUNCT
faba-276	295	14	a	a	DET
faba-276	295	15	study	study	NOUN
faba-276	295	16	of	of	ADP
faba-276	295	17	south	south	PROPN
faba-276	295	18	korea	korea	PROPN
faba-276	295	19	.	.	PUNCT
faba-276	296	1	the	the	DET
faba-276	296	2	international	international	ADJ
faba-276	296	3	journal	journal	NOUN
faba-276	296	4	of	of	ADP
faba-276	296	5	management	management	NOUN
faba-276	296	6	education	education	NOUN
faba-276	296	7	,	,	PUNCT
faba-276	296	8	19(2	19(2	NUM
faba-276	296	9	):	):	PUNCT
faba-276	296	10	100503	100503	NUM
faba-276	296	11	.	.	PUNCT
faba-276	297	1	https://doi.org/10.1016/j.ijme.2021.100503	https://doi.org/10.1016/j.ijme.2021.100503	PROPN
faba-276	297	2	balakrishnan	balakrishnan	PROPN
faba-276	297	3	,	,	PUNCT
faba-276	297	4	v.	v.	ADP
faba-276	297	5	s.	s.	PROPN
faba-276	297	6	2023	2023	NUM
faba-276	297	7	.	.	PUNCT
faba-276	298	1	going	go	VERB
faba-276	298	2	cashless	cashless	NOUN
faba-276	298	3	?	?	PUNCT
faba-276	298	4	elucidating	elucidate	VERB
faba-276	298	5	predictors	predictor	NOUN
faba-276	298	6	for	for	ADP
faba-276	298	7	mobile	mobile	ADJ
faba-276	298	8	payment	payment	NOUN
faba-276	298	9	readiness	readiness	NOUN
faba-276	298	10	and	and	CCONJ
faba-276	298	11	intention	intention	NOUN
faba-276	298	12	to	to	PART
faba-276	298	13	adopt	adopt	VERB
faba-276	298	14	among	among	ADP
faba-276	298	15	malaysians	malaysians	PROPN
faba-276	298	16	.	.	PUNCT
faba-276	299	1	sage	sage	VERB
faba-276	299	2	open	open	ADJ
faba-276	299	3	,	,	PUNCT
faba-276	299	4	13(4	13(4	NUM
faba-276	299	5	):	):	PUNCT
faba-276	299	6	1–17	1–17	PROPN
faba-276	299	7	.	.	PUNCT
faba-276	300	1	https://doi.org/10.1177/21582440231215111	https://doi.org/10.1177/21582440231215111	PROPN
faba-276	300	2	http://www.commonlii.org/my/legis/consol_act/aoma1971153/	http://www.commonlii.org/my/legis/consol_act/aoma1971153/	PROPN
faba-276	300	3	https://www.researchgate.net/publication/338065863	https://www.researchgate.net/publication/338065863	PROPN
faba-276	300	4	https://doi.org/10.1109/ic3e.2018.8632626	https://doi.org/10.1109/ic3e.2018.8632626	PROPN
faba-276	300	5	https://core.ac.uk/download/pdf/189486068.pdf	https://core.ac.uk/download/pdf/189486068.pdf	PROPN
faba-276	300	6	https://doi.org/10.1016/0749-5978(91)90020-t	https://doi.org/10.1016/0749-5978(91)90020-t	PROPN
faba-276	300	7	https://doi.org/10.3390/jrfm17110521	https://doi.org/10.3390/jrfm17110521	PROPN
faba-276	300	8	https://doi.org/10.1016/j.ijme.2021.100503	https://doi.org/10.1016/j.ijme.2021.100503	PROPN
faba-276	300	9	https://doi.org/10.1177/21582440231215111	https://doi.org/10.1177/21582440231215111	PROPN
faba-276	300	10	rushaizzad	rushaizzad	PROPN
faba-276	300	11	a.rahim	a.rahim	PRON
faba-276	300	12	and	and	CCONJ
faba-276	300	13	jaizah	jaizah	VERB
faba-276	300	14	othman	othman	PROPN
faba-276	300	15	/	/	SYM
faba-276	300	16	finance	finance	NOUN
faba-276	300	17	,	,	PUNCT
faba-276	300	18	accounting	accounting	NOUN
faba-276	300	19	and	and	CCONJ
faba-276	300	20	business	business	NOUN
faba-276	300	21	analysis	analysis	NOUN
faba-276	300	22	,	,	PUNCT
faba-276	300	23	volume	volume	NOUN
faba-276	300	24	7	7	NUM
faba-276	300	25	issue	issue	NOUN
faba-276	300	26	2	2	NUM
faba-276	300	27	,	,	PUNCT
faba-276	300	28	2025	2025	NUM
faba-276	300	29	178	178	NUM
faba-276	300	30	balakrishnan	balakrishnan	PROPN
faba-276	300	31	,	,	PUNCT
faba-276	300	32	v.	v.	ADV
faba-276	300	33	,	,	PUNCT
faba-276	300	34	and	and	CCONJ
faba-276	300	35	m.	m.	PROPN
faba-276	300	36	s.	s.	PROPN
faba-276	300	37	nor	nor	CCONJ
faba-276	300	38	liyana	liyana	PROPN
faba-276	300	39	.	.	PUNCT
faba-276	300	40	2021	2021	NUM
faba-276	300	41	.	.	PUNCT
faba-276	301	1	drivers	driver	NOUN
faba-276	301	2	and	and	CCONJ
faba-276	301	3	inhibitors	inhibitor	NOUN
faba-276	301	4	for	for	ADP
faba-276	301	5	digital	digital	ADJ
faba-276	301	6	payment	payment	NOUN
faba-276	301	7	adoption	adoption	NOUN
faba-276	301	8	using	use	VERB
faba-276	301	9	the	the	DET
faba-276	301	10	cashless	cashless	NOUN
faba-276	301	11	society	society	NOUN
faba-276	301	12	readiness	readiness	NOUN
faba-276	301	13	-	-	PUNCT
faba-276	301	14	adoption	adoption	NOUN
faba-276	301	15	model	model	NOUN
faba-276	301	16	in	in	ADP
faba-276	301	17	malaysia	malaysia	PROPN
faba-276	301	18	.	.	PUNCT
faba-276	302	1	technology	technology	NOUN
faba-276	302	2	in	in	ADP
faba-276	302	3	society	society	NOUN
faba-276	302	4	,	,	PUNCT
faba-276	302	5	65	65	NUM
faba-276	302	6	:	:	SYM
faba-276	302	7	101554	101554	NUM
faba-276	302	8	.	.	PUNCT
faba-276	303	1	https://doi.org/10.1016/j.techsoc.2021.101554	https://doi.org/10.1016/j.techsoc.2021.101554	PROPN
faba-276	303	2	bank	bank	PROPN
faba-276	303	3	negara	negara	PROPN
faba-276	303	4	malaysia	malaysia	PROPN
faba-276	303	5	.	.	PUNCT
faba-276	303	6	2021	2021	NUM
faba-276	303	7	.	.	PUNCT
faba-276	304	1	annual	annual	ADJ
faba-276	304	2	report	report	NOUN
faba-276	304	3	2020	2020	NUM
faba-276	304	4	.	.	PUNCT
faba-276	305	1	https://www.bnm.gov.my/bnm-annual-report	https://www.bnm.gov.my/bnm-annual-report	PROPN
faba-276	305	2	bank	bank	PROPN
faba-276	305	3	negara	negara	PROPN
faba-276	305	4	malaysia	malaysia	PROPN
faba-276	305	5	.	.	PUNCT
faba-276	306	1	2022	2022	NUM
faba-276	306	2	.	.	PUNCT
faba-276	307	1	financial	financial	ADJ
faba-276	307	2	sector	sector	NOUN
faba-276	307	3	blueprint	blueprint	NOUN
faba-276	307	4	2022–2026	2022–2026	NUM
faba-276	307	5	:	:	PUNCT
faba-276	307	6	building	build	VERB
faba-276	307	7	the	the	DET
faba-276	307	8	future	future	NOUN
faba-276	307	9	of	of	ADP
faba-276	307	10	finance	finance	NOUN
faba-276	307	11	.	.	PUNCT
faba-276	308	1	bank	bank	PROPN
faba-276	308	2	negara	negara	PROPN
faba-276	308	3	malaysia	malaysia	PROPN
faba-276	308	4	.	.	PUNCT
faba-276	309	1	bnm.gov.my/documents/20124/5915429/fsb3_en_book.pdf	bnm.gov.my/documents/20124/5915429/fsb3_en_book.pdf	PROPN
faba-276	309	2	bank	bank	PROPN
faba-276	309	3	negara	negara	PROPN
faba-276	309	4	malaysia	malaysia	PROPN
faba-276	309	5	.	.	PUNCT
faba-276	310	1	december	december	PROPN
faba-276	310	2	23	23	NUM
faba-276	310	3	,	,	PUNCT
faba-276	310	4	2019	2019	NUM
faba-276	310	5	.	.	PUNCT
faba-276	311	1	interoperable	interoperable	ADJ
faba-276	311	2	credit	credit	NOUN
faba-276	311	3	transfer	transfer	NOUN
faba-276	311	4	framework	framework	NOUN
faba-276	311	5	.	.	PUNCT
faba-276	312	1	https://www.bnm.gov.my//interoperable-credit-transfer-framework-ictf-3	https://www.bnm.gov.my//interoperable-credit-transfer-framework-ictf-3	PROPN
faba-276	312	2	bank	bank	PROPN
faba-276	312	3	negara	negara	PROPN
faba-276	312	4	malaysia	malaysia	PROPN
faba-276	312	5	.	.	PUNCT
faba-276	313	1	(	(	PUNCT
faba-276	313	2	n.d.a	n.d.a	NOUN
faba-276	313	3	)	)	PUNCT
faba-276	313	4	.	.	PUNCT
faba-276	314	1	list	list	NOUN
faba-276	314	2	of	of	ADP
faba-276	314	3	non	non	ADJ
faba-276	314	4	-	-	ADJ
faba-276	314	5	bank	bank	ADJ
faba-276	314	6	e	e	NOUN
faba-276	314	7	-	-	NOUN
faba-276	314	8	money	money	NOUN
faba-276	314	9	issuers	issuer	NOUN
faba-276	314	10	.	.	PUNCT
faba-276	315	1	https://www.bnm.gov.my/non-bank-e-moneyissuers	https://www.bnm.gov.my/non-bank-e-moneyissuer	NOUN
faba-276	315	2	.	.	PUNCT
faba-276	316	1	bauer	bauer	PROPN
faba-276	316	2	,	,	PUNCT
faba-276	316	3	r.	r.	PROPN
faba-276	316	4	a.	a.	PROPN
faba-276	316	5	1960	1960	NUM
faba-276	316	6	.	.	PUNCT
faba-276	317	1	‘	'	PUNCT
faba-276	317	2	consumer	consumer	NOUN
faba-276	317	3	behavior	behavior	NOUN
faba-276	317	4	as	as	ADP
faba-276	317	5	risk	risk	NOUN
faba-276	317	6	taking	take	VERB
faba-276	317	7	’	'	PUNCT
faba-276	317	8	.	.	PUNCT
faba-276	318	1	in	in	ADP
faba-276	318	2	marketing	marketing	NOUN
faba-276	318	3	:	:	PUNCT
faba-276	318	4	critical	critical	ADJ
faba-276	318	5	perspectives	perspective	NOUN
faba-276	318	6	on	on	ADP
faba-276	318	7	business	business	NOUN
faba-276	318	8	and	and	CCONJ
faba-276	318	9	management	management	NOUN
faba-276	318	10	by	by	ADP
faba-276	318	11	baker	baker	PROPN
faba-276	318	12	,	,	PUNCT
faba-276	318	13	m.	m.	PROPN
faba-276	318	14	j.	j.	PROPN
faba-276	318	15	,	,	PUNCT
faba-276	318	16	2001	2001	NUM
faba-276	318	17	.	.	PUNCT
faba-276	319	1	routlegde	routlegde	PROPN
faba-276	319	2	,	,	PUNCT
faba-276	319	3	london	london	PROPN
faba-276	319	4	.	.	PUNCT
faba-276	320	1	bernama	bernama	PROPN
faba-276	320	2	.	.	PUNCT
faba-276	321	1	“	"	PUNCT
faba-276	321	2	covid-19	covid-19	PROPN
faba-276	321	3	pandemic	pandemic	NOUN
faba-276	321	4	accelerates	accelerate	VERB
faba-276	321	5	adoption	adoption	NOUN
faba-276	321	6	of	of	ADP
faba-276	321	7	cashless	cashless	NOUN
faba-276	321	8	transactions	transaction	NOUN
faba-276	321	9	.	.	PUNCT
faba-276	321	10	”	"	PUNCT
faba-276	322	1	bernama	bernama	PROPN
faba-276	322	2	,	,	PUNCT
faba-276	322	3	2020	2020	NUM
faba-276	322	4	.	.	PUNCT
faba-276	323	1	https://www.bernama.com/en/general/news_covid-19.php?id=1869084	https://www.bernama.com/en/general/news_covid-19.php?id=1869084	NOUN
faba-276	323	2	daragmeh	daragmeh	NOUN
faba-276	323	3	,	,	PUNCT
faba-276	323	4	a.	a.	PROPN
faba-276	323	5	,	,	PUNCT
faba-276	323	6	c.	c.	PROPN
faba-276	323	7	lentner	lentner	NOUN
faba-276	323	8	,	,	PUNCT
faba-276	323	9	and	and	CCONJ
faba-276	323	10	j.	j.	PROPN
faba-276	323	11	sági	sági	PROPN
faba-276	323	12	.	.	PUNCT
faba-276	324	1	2021	2021	NUM
faba-276	324	2	.	.	PUNCT
faba-276	325	1	fintech	fintech	NOUN
faba-276	325	2	payments	payment	NOUN
faba-276	325	3	in	in	ADP
faba-276	325	4	the	the	DET
faba-276	325	5	era	era	NOUN
faba-276	325	6	of	of	ADP
faba-276	325	7	covid-19	covid-19	PROPN
faba-276	325	8	:	:	PUNCT
faba-276	325	9	factors	factor	NOUN
faba-276	325	10	influencing	influence	VERB
faba-276	325	11	behavioral	behavioral	ADJ
faba-276	325	12	intentions	intention	NOUN
faba-276	325	13	of	of	ADP
faba-276	325	14	“	"	PUNCT
faba-276	325	15	generation	generation	NOUN
faba-276	325	16	x	x	NOUN
faba-276	325	17	”	"	PUNCT
faba-276	325	18	in	in	ADP
faba-276	325	19	hungary	hungary	PROPN
faba-276	325	20	to	to	PART
faba-276	325	21	use	use	VERB
faba-276	325	22	mobile	mobile	ADJ
faba-276	325	23	payment	payment	NOUN
faba-276	325	24	.	.	PUNCT
faba-276	326	1	journal	journal	NOUN
faba-276	326	2	of	of	ADP
faba-276	326	3	behavioral	behavioral	ADJ
faba-276	326	4	and	and	CCONJ
faba-276	326	5	experimental	experimental	ADJ
faba-276	326	6	finance	finance	NOUN
faba-276	326	7	,	,	PUNCT
faba-276	326	8	32	32	NUM
faba-276	326	9	:	:	SYM
faba-276	326	10	100574	100574	NUM
faba-276	326	11	.	.	PUNCT
faba-276	327	1	https://doi.org/10.1016/j.jbef.2021.100574	https://doi.org/10.1016/j.jbef.2021.100574	NOUN
faba-276	327	2	davis	davis	PROPN
faba-276	327	3	,	,	PUNCT
faba-276	327	4	f.	f.	PROPN
faba-276	327	5	r.	r.	PROPN
faba-276	327	6	1989	1989	NUM
faba-276	327	7	.	.	PUNCT
faba-276	328	1	perceived	perceive	VERB
faba-276	328	2	usefulness	usefulness	NOUN
faba-276	328	3	,	,	PUNCT
faba-276	328	4	perceived	perceive	VERB
faba-276	328	5	ease	ease	NOUN
faba-276	328	6	of	of	ADP
faba-276	328	7	use	use	NOUN
faba-276	328	8	,	,	PUNCT
faba-276	328	9	and	and	CCONJ
faba-276	328	10	user	user	NOUN
faba-276	328	11	acceptance	acceptance	NOUN
faba-276	328	12	of	of	ADP
faba-276	328	13	information	information	NOUN
faba-276	328	14	technology	technology	NOUN
faba-276	328	15	.	.	PUNCT
faba-276	329	1	mis	mis	PROPN
faba-276	329	2	quarterly	quarterly	PROPN
faba-276	329	3	,	,	PUNCT
faba-276	329	4	13(3	13(3	NUM
faba-276	329	5	):	):	PUNCT
faba-276	329	6	319	319	NUM
faba-276	329	7	-	-	SYM
faba-276	329	8	340	340	NUM
faba-276	329	9	.	.	PUNCT
faba-276	330	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
faba-276	330	2	deloitte	deloitte	NOUN
faba-276	330	3	.	.	PUNCT
faba-276	331	1	20	20	NUM
faba-276	331	2	april	april	PROPN
faba-276	331	3	,	,	PUNCT
faba-276	331	4	2022	2022	NUM
faba-276	331	5	.	.	PUNCT
faba-276	332	1	impact	impact	NOUN
faba-276	332	2	of	of	ADP
faba-276	332	3	covid-19	covid-19	PROPN
faba-276	332	4	crisis	crisis	NOUN
faba-276	332	5	on	on	ADP
faba-276	332	6	shortand	shortand	NOUN
faba-276	332	7	medium	medium	ADJ
faba-276	332	8	-	-	PUNCT
faba-276	332	9	term	term	NOUN
faba-276	332	10	consumer	consumer	NOUN
faba-276	332	11	behavior	behavior	NOUN
faba-276	332	12	:	:	PUNCT
faba-276	332	13	will	will	AUX
faba-276	332	14	the	the	DET
faba-276	332	15	covid-19	covid-19	PROPN
faba-276	332	16	crisis	crisis	NOUN
faba-276	332	17	have	have	VERB
faba-276	332	18	a	a	DET
faba-276	332	19	lasting	lasting	ADJ
faba-276	332	20	effect	effect	NOUN
faba-276	332	21	on	on	ADP
faba-276	332	22	consumption	consumption	NOUN
faba-276	332	23	?	?	PUNCT
faba-276	333	1	drost	drost	NOUN
faba-276	333	2	,	,	PUNCT
faba-276	333	3	e.	e.	PROPN
faba-276	333	4	2011	2011	NUM
faba-276	333	5	.	.	PUNCT
faba-276	334	1	validity	validity	NOUN
faba-276	334	2	and	and	CCONJ
faba-276	334	3	reliability	reliability	NOUN
faba-276	334	4	in	in	ADP
faba-276	334	5	social	social	ADJ
faba-276	334	6	science	science	NOUN
faba-276	334	7	research	research	NOUN
faba-276	334	8	.	.	PUNCT
faba-276	335	1	education	education	NOUN
faba-276	335	2	research	research	NOUN
faba-276	335	3	and	and	CCONJ
faba-276	335	4	perspectives	perspective	NOUN
faba-276	335	5	,	,	PUNCT
faba-276	335	6	38	38	NUM
faba-276	335	7	:	:	SYM
faba-276	335	8	105	105	NUM
faba-276	335	9	–	–	SYM
faba-276	335	10	124	124	NUM
faba-276	335	11	.	.	PUNCT
faba-276	336	1	https://www.researchgate.net/publication/261473819	https://www.researchgate.net/publication/261473819	ADJ
faba-276	336	2	faramarzi	faramarzi	NOUN
faba-276	336	3	,	,	PUNCT
faba-276	336	4	a.	a.	PROPN
faba-276	336	5	,	,	PUNCT
faba-276	336	6	s.	s.	PROPN
faba-276	336	7	norouzi	norouzi	PROPN
faba-276	336	8	,	,	PUNCT
faba-276	336	9	h.	h.	PROPN
faba-276	336	10	dehdarirad	dehdarirad	PROPN
faba-276	336	11	,	,	PUNCT
faba-276	336	12	s.	s.	PROPN
faba-276	336	13	aghlmand	aghlmand	PROPN
faba-276	336	14	,	,	PUNCT
faba-276	336	15	h.	h.	PROPN
faba-276	336	16	yusefzadeh	yusefzadeh	PROPN
faba-276	336	17	,	,	PUNCT
faba-276	336	18	and	and	CCONJ
faba-276	336	19	j.	j.	PROPN
faba-276	336	20	javan	javan	PROPN
faba-276	336	21	-	-	PUNCT
faba-276	336	22	noughabi	noughabi	PROPN
faba-276	336	23	.	.	PUNCT
faba-276	337	1	2024	2024	NUM
faba-276	337	2	.	.	PUNCT
faba-276	338	1	the	the	DET
faba-276	338	2	global	global	ADJ
faba-276	338	3	economic	economic	ADJ
faba-276	338	4	burden	burden	NOUN
faba-276	338	5	of	of	ADP
faba-276	338	6	covid-19	covid-19	PROPN
faba-276	338	7	disease	disease	NOUN
faba-276	338	8	:	:	PUNCT
faba-276	338	9	a	a	DET
faba-276	338	10	comprehensive	comprehensive	ADJ
faba-276	338	11	systematic	systematic	ADJ
faba-276	338	12	review	review	NOUN
faba-276	338	13	and	and	CCONJ
faba-276	338	14	metaanalysis	metaanalysis	NOUN
faba-276	338	15	.	.	PUNCT
faba-276	339	1	systematic	systematic	ADJ
faba-276	339	2	reviews	review	NOUN
faba-276	339	3	,	,	PUNCT
faba-276	339	4	13(1	13(1	NUM
faba-276	339	5	)	)	PUNCT
faba-276	339	6	,	,	PUNCT
faba-276	339	7	68	68	NUM
faba-276	339	8	.	.	PUNCT
faba-276	340	1	https://doi.org/10.1186/s13643-024-02476-6	https://doi.org/10.1186/s13643-024-02476-6	NUM
faba-276	340	2	flavián	flavián	PROPN
faba-276	340	3	,	,	PUNCT
faba-276	340	4	c.	c.	NOUN
faba-276	340	5	,	,	PUNCT
faba-276	340	6	m.	m.	NOUN
faba-276	340	7	guinaliu	guinaliu	NOUN
faba-276	340	8	,	,	PUNCT
faba-276	340	9	and	and	CCONJ
faba-276	340	10	y.	y.	PROPN
faba-276	340	11	lu	lu	PROPN
faba-276	340	12	.	.	PUNCT
faba-276	341	1	2020	2020	NUM
faba-276	341	2	.	.	PUNCT
faba-276	342	1	mobile	mobile	ADJ
faba-276	342	2	payments	payment	NOUN
faba-276	342	3	adoption	adoption	NOUN
faba-276	342	4	–	–	PUNCT
faba-276	342	5	introducing	introduce	VERB
faba-276	342	6	mindfulness	mindfulness	NOUN
faba-276	342	7	to	to	PART
faba-276	342	8	better	well	ADV
faba-276	342	9	understand	understand	VERB
faba-276	342	10	consumer	consumer	NOUN
faba-276	342	11	behavior	behavior	NOUN
faba-276	342	12	.	.	PUNCT
faba-276	343	1	international	international	ADJ
faba-276	343	2	journal	journal	PROPN
faba-276	343	3	of	of	ADP
faba-276	343	4	bank	bank	PROPN
faba-276	343	5	marketing	marketing	NOUN
faba-276	343	6	,	,	PUNCT
faba-276	343	7	38(7	38(7	NUM
faba-276	343	8	):	):	PUNCT
faba-276	343	9	1575	1575	NUM
faba-276	343	10	-	-	SYM
faba-276	343	11	1599	1599	NUM
faba-276	343	12	.	.	PUNCT
faba-276	344	1	https://doi.org/10.1108/ijbm-01-2020-0039	https://doi.org/10.1108/ijbm-01-2020-0039	PROPN
faba-276	344	2	george	george	PROPN
faba-276	344	3	,	,	PUNCT
faba-276	344	4	d.	d.	PROPN
faba-276	344	5	,	,	PUNCT
faba-276	344	6	and	and	CCONJ
faba-276	344	7	p.	p.	PROPN
faba-276	344	8	mallery	mallery	PROPN
faba-276	344	9	.	.	PUNCT
faba-276	344	10	2003	2003	NUM
faba-276	344	11	.	.	PUNCT
faba-276	345	1	“	"	PUNCT
faba-276	345	2	spss	spss	VERB
faba-276	345	3	for	for	ADP
faba-276	345	4	windows	window	NOUN
faba-276	345	5	step	step	NOUN
faba-276	345	6	by	by	ADP
faba-276	345	7	step	step	NOUN
faba-276	345	8	:	:	PUNCT
faba-276	345	9	a	a	DET
faba-276	345	10	simple	simple	ADJ
faba-276	345	11	guide	guide	NOUN
faba-276	345	12	and	and	CCONJ
faba-276	345	13	reference	reference	NOUN
faba-276	345	14	”	"	PUNCT
faba-276	345	15	,	,	PUNCT
faba-276	345	16	11.0	11.0	NUM
faba-276	345	17	update	update	NOUN
faba-276	345	18	(	(	PUNCT
faba-276	345	19	4th	4th	ADJ
faba-276	345	20	edition	edition	NOUN
faba-276	345	21	)	)	PUNCT
faba-276	345	22	(	(	PUNCT
faba-276	345	23	4th	4th	ADJ
faba-276	345	24	ed	ed	NOUN
faba-276	345	25	.	.	PUNCT
faba-276	345	26	)	)	PUNCT
faba-276	345	27	.	.	PUNCT
faba-276	346	1	allyn	allyn	PROPN
faba-276	346	2	&	&	CCONJ
faba-276	346	3	bacon	bacon	PROPN
faba-276	346	4	.	.	PUNCT
faba-276	347	1	hajazi	hajazi	ADV
faba-276	347	2	,	,	PUNCT
faba-276	347	3	m.	m.	PROPN
faba-276	347	4	u.	u.	PROPN
faba-276	347	5	a.	a.	PROPN
faba-276	347	6	,	,	PUNCT
faba-276	347	7	s.	s.	PROPN
faba-276	347	8	s.	s.	PROPN
faba-276	347	9	chan	chan	PROPN
faba-276	347	10	,	,	PUNCT
faba-276	347	11	s.	s.	PROPN
faba-276	347	12	a.	a.	PROPN
faba-276	347	13	ya’kob	ya’kob	PROPN
faba-276	347	14	,	,	PUNCT
faba-276	347	15	f.	f.	PROPN
faba-276	347	16	siali	siali	PROPN
faba-276	347	17	,	,	PUNCT
faba-276	347	18	and	and	CCONJ
faba-276	347	19	h.	h.	PROPN
faba-276	347	20	abdul	abdul	PROPN
faba-276	347	21	latip	latip	PROPN
faba-276	347	22	.	.	PUNCT
faba-276	348	1	2021	2021	NUM
faba-276	348	2	.	.	PUNCT
faba-276	349	1	usage	usage	NOUN
faba-276	349	2	intention	intention	NOUN
faba-276	349	3	of	of	ADP
faba-276	349	4	qr	qr	PROPN
faba-276	349	5	mobile	mobile	ADJ
faba-276	349	6	payment	payment	NOUN
faba-276	349	7	system	system	NOUN
faba-276	349	8	among	among	ADP
faba-276	349	9	millennials	millennial	NOUN
faba-276	349	10	in	in	ADP
faba-276	349	11	malaysia	malaysia	PROPN
faba-276	349	12	.	.	PUNCT
faba-276	350	1	international	international	ADJ
faba-276	350	2	journal	journal	PROPN
faba-276	350	3	of	of	ADP
faba-276	350	4	academic	academic	ADJ
faba-276	350	5	research	research	NOUN
faba-276	350	6	in	in	ADP
faba-276	350	7	business	business	NOUN
faba-276	350	8	and	and	CCONJ
faba-276	350	9	social	social	ADJ
faba-276	350	10	sciences	science	NOUN
faba-276	350	11	,	,	PUNCT
faba-276	350	12	11(1	11(1	NUM
faba-276	350	13	):	):	PUNCT
faba-276	350	14	645–661	645–661	NUM
faba-276	350	15	.	.	PUNCT
faba-276	351	1	http://dx.doi.org/10.6007/ijarbss/v11-i1/8494	http://dx.doi.org/10.6007/ijarbss/v11-i1/8494	NUM
faba-276	351	2	hill	hill	PROPN
faba-276	351	3	,	,	PUNCT
faba-276	351	4	r.	r.	PROPN
faba-276	351	5	j.	j.	PROPN
faba-276	351	6	1977	1977	PROPN
faba-276	351	7	.	.	PUNCT
faba-276	352	1	review	review	NOUN
faba-276	352	2	:	:	PUNCT
faba-276	353	1	belief	belief	NOUN
faba-276	353	2	,	,	PUNCT
faba-276	353	3	attitude	attitude	NOUN
faba-276	353	4	,	,	PUNCT
faba-276	353	5	intention	intention	NOUN
faba-276	353	6	and	and	CCONJ
faba-276	353	7	behavior	behavior	NOUN
faba-276	353	8	:	:	PUNCT
faba-276	353	9	an	an	DET
faba-276	353	10	introduction	introduction	NOUN
faba-276	353	11	to	to	ADP
faba-276	353	12	theory	theory	NOUN
faba-276	353	13	and	and	CCONJ
faba-276	353	14	research	research	NOUN
faba-276	353	15	by	by	ADP
faba-276	353	16	martin	martin	PROPN
faba-276	353	17	fishbein	fishbein	PROPN
faba-276	353	18	and	and	CCONJ
faba-276	353	19	icek	icek	PROPN
faba-276	353	20	ajzen	ajzen	NOUN
faba-276	353	21	.	.	PUNCT
faba-276	354	1	contemporary	contemporary	ADJ
faba-276	354	2	sociology	sociology	NOUN
faba-276	354	3	,	,	PUNCT
faba-276	354	4	6(2	6(2	NUM
faba-276	354	5	):	):	PUNCT
faba-276	354	6	244	244	NUM
faba-276	354	7	-	-	SYM
faba-276	354	8	245	245	NUM
faba-276	354	9	.	.	PUNCT
faba-276	355	1	https://doi.org/10.2307/2065853	https://doi.org/10.2307/2065853	NOUN
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faba-276	355	3	,	,	PUNCT
faba-276	355	4	p.	p.	NOUN
faba-276	355	5	,	,	PUNCT
faba-276	355	6	and	and	CCONJ
faba-276	355	7	c.	c.	PROPN
faba-276	355	8	beokhaimook	beokhaimook	NOUN
faba-276	355	9	.	.	PUNCT
faba-276	356	1	2018	2018	NUM
faba-276	356	2	.	.	PUNCT
faba-276	357	1	influencing	influence	VERB
faba-276	357	2	factor	factor	NOUN
faba-276	357	3	in	in	ADP
faba-276	357	4	e	e	NOUN
faba-276	357	5	-	-	NOUN
faba-276	357	6	wallet	wallet	NOUN
faba-276	357	7	acceptant	acceptant	NOUN
faba-276	357	8	and	and	CCONJ
faba-276	357	9	use	use	NOUN
faba-276	357	10	.	.	PUNCT
faba-276	358	1	international	international	ADJ
faba-276	358	2	journal	journal	PROPN
faba-276	358	3	of	of	ADP
faba-276	358	4	business	business	NOUN
faba-276	358	5	and	and	CCONJ
faba-276	358	6	administrative	administrative	ADJ
faba-276	358	7	studies	study	NOUN
faba-276	358	8	,	,	PUNCT
faba-276	358	9	4(4	4(4	NUM
faba-276	358	10	):	):	PUNCT
faba-276	358	11	167	167	NUM
faba-276	358	12	-	-	SYM
faba-276	358	13	175	175	NUM
faba-276	358	14	.	.	PUNCT
faba-276	359	1	https://dx.doi.org/10.20469/ijbas.4.10004-4	https://dx.doi.org/10.20469/ijbas.4.10004-4	NOUN
faba-276	359	2	irianto	irianto	ADP
faba-276	359	3	,	,	PUNCT
faba-276	360	1	a.	a.	PROPN
faba-276	360	2	b.	b.	PROPN
faba-276	360	3	p.	p.	PROPN
faba-276	360	4	,	,	PUNCT
faba-276	360	5	and	and	CCONJ
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faba-276	360	7	,	,	PUNCT
faba-276	360	8	p.	p.	NOUN
faba-276	360	9	2025	2025	NUM
faba-276	360	10	.	.	PUNCT
faba-276	361	1	drivers	driver	NOUN
faba-276	361	2	and	and	CCONJ
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faba-276	361	4	of	of	ADP
faba-276	361	5	mobile	mobile	ADJ
faba-276	361	6	payment	payment	NOUN
faba-276	361	7	adoption	adoption	NOUN
faba-276	361	8	among	among	ADP
faba-276	361	9	msmes	msme	NOUN
faba-276	361	10	:	:	PUNCT
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faba-276	361	12	from	from	ADP
faba-276	361	13	indonesia	indonesia	PROPN
faba-276	361	14	.	.	PROPN
faba-276	362	1	journal	journal	PROPN
faba-276	362	2	of	of	ADP
faba-276	362	3	risk	risk	NOUN
faba-276	362	4	and	and	CCONJ
faba-276	362	5	financial	financial	ADJ
faba-276	362	6	management	management	NOUN
faba-276	362	7	,	,	PUNCT
faba-276	362	8	18(5	18(5	NUM
faba-276	362	9	)	)	PUNCT
faba-276	362	10	,	,	PUNCT
faba-276	362	11	251	251	NUM
faba-276	362	12	.	.	PUNCT
faba-276	363	1	https://doi.org/10.3390/jrfm18050251	https://doi.org/10.3390/jrfm18050251	PROPN
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faba-276	363	3	,	,	PUNCT
faba-276	363	4	n.	n.	PROPN
faba-276	363	5	2020	2020	NUM
faba-276	363	6	.	.	PUNCT
faba-276	364	1	overview	overview	NOUN
faba-276	364	2	of	of	ADP
faba-276	364	3	cashless	cashless	NOUN
faba-276	364	4	payment	payment	NOUN
faba-276	364	5	in	in	ADP
faba-276	364	6	malaysia	malaysia	PROPN
faba-276	364	7	.	.	PUNCT
faba-276	365	1	international	international	ADJ
faba-276	365	2	journal	journal	PROPN
faba-276	365	3	of	of	ADP
faba-276	365	4	accounting	accounting	NOUN
faba-276	365	5	,	,	PUNCT
faba-276	365	6	finance	finance	NOUN
faba-276	365	7	and	and	CCONJ
faba-276	365	8	business	business	NOUN
faba-276	365	9	(	(	PUNCT
faba-276	365	10	ijafb	ijafb	NOUN
faba-276	365	11	)	)	PUNCT
faba-276	365	12	,	,	PUNCT
faba-276	365	13	5(27	5(27	NUM
faba-276	365	14	):	):	PUNCT
faba-276	365	15	11	11	NUM
faba-276	365	16	-	-	SYM
faba-276	365	17	18	18	NUM
faba-276	365	18	.	.	PUNCT
faba-276	366	1	http://www.ijafb.com/pdf/ijafb-2020-27-06-02.pdf	http://www.ijafb.com/pdf/ijafb-2020-27-06-02.pdf	PROPN
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faba-276	366	3	,	,	PUNCT
faba-276	366	4	m.	m.	NOUN
faba-276	366	5	,	,	PUNCT
faba-276	366	6	w.	w.	PROPN
faba-276	366	7	a.	a.	PROPN
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faba-276	366	9	,	,	PUNCT
faba-276	366	10	m.	m.	NOUN
faba-276	366	11	a.	a.	NOUN
faba-276	366	12	ulfy	ulfy	PROPN
faba-276	366	13	,	,	PUNCT
faba-276	366	14	m.	m.	NOUN
faba-276	366	15	a.	a.	PROPN
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faba-276	366	17	,	,	PUNCT
faba-276	366	18	and	and	CCONJ
faba-276	366	19	m.	m.	PROPN
faba-276	366	20	z.	z.	PROPN
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faba-276	366	22	.	.	PUNCT
faba-276	366	23	2020	2020	NUM
faba-276	366	24	.	.	PUNCT
faba-276	367	1	factors	factor	NOUN
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faba-276	367	3	the	the	DET
faba-276	367	4	use	use	NOUN
faba-276	367	5	of	of	ADP
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faba-276	367	7	as	as	ADP
faba-276	367	8	a	a	DET
faba-276	367	9	payment	payment	NOUN
faba-276	367	10	method	method	NOUN
faba-276	367	11	among	among	ADP
faba-276	367	12	malaysian	malaysian	ADJ
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faba-276	367	14	adults	adult	NOUN
faba-276	367	15	.	.	PUNCT
faba-276	368	1	journal	journal	NOUN
faba-276	368	2	of	of	ADP
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faba-276	368	4	business	business	NOUN
faba-276	368	5	and	and	CCONJ
faba-276	368	6	management	management	NOUN
faba-276	368	7	,	,	PUNCT
faba-276	368	8	3(2	3(2	NUM
faba-276	368	9	):	):	PUNCT
faba-276	368	10	01	01	NUM
faba-276	368	11	-	-	SYM
faba-276	368	12	12	12	NUM
faba-276	368	13	.	.	PUNCT
faba-276	369	1	krejcie	krejcie	PROPN
faba-276	369	2	,	,	PUNCT
faba-276	369	3	r.	r.	PROPN
faba-276	369	4	v.	v.	PROPN
faba-276	369	5	,	,	PUNCT
faba-276	369	6	and	and	CCONJ
faba-276	369	7	d.	d.	PROPN
faba-276	369	8	w.	w.	PROPN
faba-276	369	9	morgan	morgan	PROPN
faba-276	369	10	.	.	PROPN
faba-276	369	11	1970	1970	NUM
faba-276	369	12	.	.	PUNCT
faba-276	370	1	determining	determine	VERB
faba-276	370	2	sample	sample	NOUN
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faba-276	370	6	activities	activity	NOUN
faba-276	370	7	.	.	PUNCT
faba-276	371	1	educational	educational	ADJ
faba-276	371	2	and	and	CCONJ
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faba-276	371	4	measurement	measurement	NOUN
faba-276	371	5	,	,	PUNCT
faba-276	371	6	30(3	30(3	NUM
faba-276	371	7	):	):	PUNCT
faba-276	371	8	607	607	NUM
faba-276	371	9	-	-	SYM
faba-276	371	10	610	610	NUM
faba-276	371	11	.	.	PUNCT
faba-276	372	1	https://doi.org/10.1177/001316447003000308	https://doi.org/10.1177/001316447003000308	X
faba-276	372	2	kusumawati	kusumawati	PROPN
faba-276	372	3	,	,	PUNCT
faba-276	372	4	n.	n.	NOUN
faba-276	372	5	,	,	PUNCT
faba-276	372	6	and	and	CCONJ
faba-276	372	7	a.	a.	NOUN
faba-276	372	8	,	,	PUNCT
faba-276	372	9	a.	a.	PROPN
faba-276	372	10	rinaldi	rinaldi	PROPN
faba-276	372	11	.	.	PUNCT
faba-276	373	1	2020	2020	NUM
faba-276	373	2	.	.	PUNCT
faba-276	374	1	trust	trust	NOUN
faba-276	374	2	role	role	NOUN
faba-276	374	3	in	in	ADP
faba-276	374	4	acceptance	acceptance	NOUN
faba-276	374	5	of	of	ADP
faba-276	374	6	digital	digital	ADJ
faba-276	374	7	banking	banking	NOUN
faba-276	374	8	in	in	ADP
faba-276	374	9	indonesia	indonesia	PROPN
faba-276	374	10	.	.	PUNCT
faba-276	375	1	international	international	ADJ
faba-276	375	2	journal	journal	PROPN
faba-276	375	3	of	of	ADP
faba-276	375	4	trade	trade	NOUN
faba-276	375	5	,	,	PUNCT
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faba-276	375	7	and	and	CCONJ
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faba-276	375	9	,	,	PUNCT
faba-276	375	10	11(1	11(1	NUM
faba-276	375	11	):	):	PUNCT
faba-276	375	12	13	13	NUM
faba-276	375	13	-	-	SYM
faba-276	375	14	18	18	NUM
faba-276	375	15	.	.	PUNCT
faba-276	376	1	https://doi.org/10.18178/ijtef.2020.11.1.659	https://doi.org/10.18178/ijtef.2020.11.1.659	PROPN
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faba-276	376	3	,	,	PUNCT
faba-276	376	4	f.	f.	PROPN
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faba-276	376	6	,	,	PUNCT
faba-276	376	7	a.	a.	PROPN
faba-276	376	8	fakhrorazi	fakhrorazi	PROPN
faba-276	376	9	,	,	PUNCT
faba-276	376	10	a.	a.	NOUN
faba-276	376	11	and	and	CCONJ
faba-276	376	12	i.	i.	PROPN
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faba-276	376	14	.	.	PUNCT
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faba-276	376	16	.	.	PUNCT
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faba-276	377	7	banking	banking	NOUN
faba-276	377	8	usage	usage	NOUN
faba-276	377	9	in	in	ADP
faba-276	377	10	malaysia	malaysia	PROPN
faba-276	377	11	.	.	PUNCT
faba-276	378	1	humanities	humanity	NOUN
faba-276	378	2	&	&	CCONJ
faba-276	378	3	social	social	ADJ
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faba-276	378	6	,	,	PUNCT
faba-276	378	7	7(1	7(1	NUM
faba-276	378	8	):	):	PUNCT
faba-276	378	9	239	239	NUM
faba-276	378	10	-	-	SYM
faba-276	378	11	248	248	NUM
faba-276	378	12	.	.	PUNCT
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faba-276	379	4	.	.	PUNCT
faba-276	380	1	august	august	PROPN
faba-276	380	2	27	27	NUM
faba-276	380	3	,	,	PUNCT
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faba-276	380	5	.	.	PUNCT
faba-276	381	1	deputy	deputy	NOUN
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faba-276	381	3	:	:	PUNCT
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faba-276	381	5	m	m	VERB
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faba-276	381	8	-	-	ADJ
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faba-276	381	16	malaysians	malaysians	PROPN
faba-276	381	17	.	.	PUNCT
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faba-276	382	8	https://www.bernama.com/en/general/news_covid-19.php?id=1869084	https://www.bernama.com/en/general/news_covid-19.php?id=1869084	PROPN
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faba-276	382	12	https://doi.org/10.1186/s13643-024-02476-6	https://doi.org/10.1186/s13643-024-02476-6	NUM
faba-276	382	13	https://doi.org/10.1108/ijbm-01-2020-0039	https://doi.org/10.1108/ijbm-01-2020-0039	NOUN
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faba-276	382	15	https://doi.org/10.2307/2065853	https://doi.org/10.2307/2065853	NOUN
faba-276	383	1	https://dx.doi.org/10.20469/ijbas.4.10004-4	https://dx.doi.org/10.20469/ijbas.4.10004-4	PROPN
faba-276	383	2	https://doi.org/10.3390/jrfm18050251	https://doi.org/10.3390/jrfm18050251	PROPN
faba-276	383	3	http://www.ijafb.com/pdf/ijafb-2020-27-06-02.pdf	http://www.ijafb.com/pdf/ijafb-2020-27-06-02.pdf	PROPN
faba-276	383	4	https://doi.org/10.1177/001316447003000308	https://doi.org/10.1177/001316447003000308	ADP
faba-276	384	1	https://doi.org/10.18178/ijtef.2020.11.1.659	https://doi.org/10.18178/ijtef.2020.11.1.659	PROPN
faba-276	384	2	https://doi.org/10.18510/hssr.2019.7128	https://doi.org/10.18510/hssr.2019.7128	PROPN
faba-276	384	3	https://www.malaymail.com/news/malaysia/2020/08/27/deputy-minister-rm495m-in-e-penjana-funds-paid-out-to-9.9-million-malaysian/1897638	https://www.malaymail.com/news/malaysia/2020/08/27/deputy-minister-rm495m-in-e-penjana-funds-paid-out-to-9.9-million-malaysian/1897638	ADV
faba-276	384	4	rushaizzad	rushaizzad	NOUN
faba-276	384	5	a.rahim	a.rahim	PRON
faba-276	384	6	and	and	CCONJ
faba-276	384	7	jaizah	jaizah	VERB
faba-276	384	8	othman	othman	PROPN
faba-276	384	9	/	/	SYM
faba-276	384	10	finance	finance	NOUN
faba-276	384	11	,	,	PUNCT
faba-276	384	12	accounting	accounting	NOUN
faba-276	384	13	and	and	CCONJ
faba-276	384	14	business	business	NOUN
faba-276	384	15	analysis	analysis	NOUN
faba-276	384	16	,	,	PUNCT
faba-276	384	17	volume	volume	NOUN
faba-276	384	18	7	7	NUM
faba-276	384	19	issue	issue	NOUN
faba-276	384	20	2	2	NUM
faba-276	384	21	,	,	PUNCT
faba-276	384	22	2025	2025	NUM
faba-276	384	23	179	179	NUM
faba-276	384	24	funds	fund	NOUN
faba-276	384	25	-	-	PUNCT
faba-276	384	26	paid	pay	VERB
faba-276	384	27	-	-	PUNCT
faba-276	384	28	out	out	ADP
faba-276	384	29	-	-	PUNCT
faba-276	384	30	to-9.9	to-9.9	NOUN
faba-276	384	31	-	-	PUNCT
faba-276	384	32	million	million	NUM
faba-276	384	33	-	-	PUNCT
faba-276	384	34	malaysian/1897638	malaysian/1897638	NOUN
faba-276	384	35	mohamad	mohamad	NOUN
faba-276	384	36	,	,	PUNCT
faba-276	384	37	s.	s.	PROPN
faba-276	384	38	a.	a.	PROPN
faba-276	384	39	,	,	PUNCT
faba-276	384	40	&	&	CCONJ
faba-276	384	41	s.	s.	PROPN
faba-276	384	42	kassim	kassim	PROPN
faba-276	384	43	s.	s.	PROPN
faba-276	384	44	2017	2017	NUM
faba-276	384	45	.	.	PUNCT
faba-276	385	1	an	an	DET
faba-276	385	2	overview	overview	NOUN
faba-276	385	3	of	of	ADP
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faba-276	385	5	-	-	NOUN
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faba-276	385	7	adoption	adoption	NOUN
faba-276	385	8	among	among	ADP
faba-276	385	9	muslim	muslim	ADJ
faba-276	385	10	microentrepreneurs	microentrepreneur	NOUN
faba-276	385	11	in	in	ADP
faba-276	385	12	malaysia	malaysia	PROPN
faba-276	385	13	.	.	PUNCT
faba-276	386	1	international	international	ADJ
faba-276	386	2	journal	journal	PROPN
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faba-276	386	5	,	,	PUNCT
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faba-276	386	7	):	):	PUNCT
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faba-276	386	9	-	-	SYM
faba-276	386	10	59	59	NUM
faba-276	386	11	.	.	PUNCT
faba-276	387	1	http://www.ijafb.com/pdf/ijafb-2017-05-09-05.pdf	http://www.ijafb.com/pdf/ijafb-2017-05-09-05.pdf	PROPN
faba-276	387	2	mohd	mohd	PROPN
faba-276	387	3	reza	reza	PROPN
faba-276	387	4	,	,	PUNCT
faba-276	387	5	m.	m.	PROPN
faba-276	387	6	d.	d.	PROPN
faba-276	387	7	s.	s.	PROPN
faba-276	387	8	,	,	PUNCT
faba-276	387	9	s.	s.	PROPN
faba-276	387	10	h.	h.	PROPN
faba-276	387	11	tan	tan	PROPN
faba-276	387	12	,	,	PUNCT
faba-276	387	13	l.	l.	PROPN
faba-276	387	14	l.	l.	PROPN
faba-276	387	15	chong	chong	PROPN
faba-276	387	16	,	,	PUNCT
faba-276	387	17	and	and	CCONJ
faba-276	387	18	h.	h.	PROPN
faba-276	387	19	b.	b.	PROPN
faba-276	387	20	ong	ong	PROPN
faba-276	387	21	.	.	PROPN
faba-276	387	22	2024	2024	NUM
faba-276	387	23	.	.	PUNCT
faba-276	388	1	continuance	continuance	NOUN
faba-276	388	2	usage	usage	NOUN
faba-276	388	3	intention	intention	NOUN
faba-276	388	4	of	of	ADP
faba-276	388	5	e	e	NOUN
faba-276	388	6	-	-	NOUN
faba-276	388	7	wallets	wallet	NOUN
faba-276	388	8	:	:	PUNCT
faba-276	388	9	insights	insight	NOUN
faba-276	388	10	from	from	ADP
faba-276	388	11	merchants	merchant	NOUN
faba-276	388	12	.	.	PUNCT
faba-276	389	1	international	international	ADJ
faba-276	389	2	journal	journal	PROPN
faba-276	389	3	of	of	ADP
faba-276	389	4	information	information	NOUN
faba-276	389	5	management	management	NOUN
faba-276	389	6	data	datum	NOUN
faba-276	389	7	insights	insight	NOUN
faba-276	389	8	,	,	PUNCT
faba-276	389	9	4(2	4(2	NUM
faba-276	389	10	)	)	PUNCT
faba-276	389	11	,	,	PUNCT
faba-276	389	12	100254	100254	NUM
faba-276	389	13	.	.	PUNCT
faba-276	390	1	https://doi.org/10.1016/j.jjimei.2024.100254	https://doi.org/10.1016/j.jjimei.2024.100254	PROPN
faba-276	390	2	natarajan	natarajan	PROPN
faba-276	390	3	,	,	PUNCT
faba-276	390	4	t.	t.	PROPN
faba-276	390	5	,	,	PUNCT
faba-276	390	6	s.	s.	PROPN
faba-276	390	7	a.	a.	NOUN
faba-276	390	8	balasburamanian	balasburamanian	PROPN
faba-276	390	9	,	,	PUNCT
faba-276	390	10	and	and	CCONJ
faba-276	390	11	d.	d.	PROPN
faba-276	390	12	l.	l.	PROPN
faba-276	390	13	kasilingam	kasilingam	PROPN
faba-276	390	14	.	.	PUNCT
faba-276	391	1	2018	2018	NUM
faba-276	391	2	.	.	PUNCT
faba-276	392	1	the	the	DET
faba-276	392	2	moderating	moderate	VERB
faba-276	392	3	role	role	NOUN
faba-276	392	4	of	of	ADP
faba-276	392	5	device	device	NOUN
faba-276	392	6	type	type	NOUN
faba-276	392	7	and	and	CCONJ
faba-276	392	8	age	age	NOUN
faba-276	392	9	of	of	ADP
faba-276	392	10	users	user	NOUN
faba-276	392	11	on	on	ADP
faba-276	392	12	the	the	DET
faba-276	392	13	intention	intention	NOUN
faba-276	392	14	to	to	PART
faba-276	392	15	use	use	VERB
faba-276	392	16	mobile	mobile	ADJ
faba-276	392	17	shopping	shopping	NOUN
faba-276	392	18	applications	application	NOUN
faba-276	392	19	.	.	PUNCT
faba-276	393	1	technology	technology	NOUN
faba-276	393	2	in	in	ADP
faba-276	393	3	society	society	NOUN
faba-276	393	4	,	,	PUNCT
faba-276	393	5	53	53	NUM
faba-276	393	6	:	:	SYM
faba-276	393	7	79	79	NUM
faba-276	393	8	-	-	SYM
faba-276	393	9	90	90	NUM
faba-276	393	10	.	.	PUNCT
faba-276	394	1	https://doi.org/10.1016/j.techsoc.2018.01.003	https://doi.org/10.1016/j.techsoc.2018.01.003	PRON
faba-276	394	2	new	new	ADJ
faba-276	394	3	straits	strait	NOUN
faba-276	394	4	times	time	NOUN
faba-276	394	5	.	.	PUNCT
faba-276	395	1	march	march	PROPN
faba-276	395	2	16	16	NUM
faba-276	395	3	,	,	PUNCT
faba-276	395	4	2020	2020	NUM
faba-276	395	5	.	.	PUNCT
faba-276	396	1	14	14	NUM
faba-276	396	2	-	-	PUNCT
faba-276	396	3	day	day	NOUN
faba-276	396	4	movement	movement	NOUN
faba-276	396	5	control	control	NOUN
faba-276	396	6	order	order	NOUN
faba-276	396	7	begins	begin	VERB
faba-276	396	8	nationwide	nationwide	ADV
faba-276	396	9	on	on	ADP
faba-276	396	10	wednesday	wednesday	PROPN
faba-276	396	11	.	.	PUNCT
faba-276	397	1	https://www.nst.com.my/news/nation/2020/03/575180/14-day-movement-control-order-beginsnationwide-wednesday	https://www.nst.com.my/news/nation/2020/03/575180/14-day-movement-control-order-beginsnationwide-wednesday	PROPN
faba-276	397	2	nguyen	nguyen	PROPN
faba-276	397	3	,	,	PUNCT
faba-276	397	4	m.	m.	NOUN
faba-276	397	5	t.	t.	PROPN
faba-276	397	6	,	,	PUNCT
faba-276	397	7	n.	n.	PROPN
faba-276	397	8	nguyen	nguyen	PROPN
faba-276	397	9	-	-	PUNCT
faba-276	397	10	thanh	thanh	NOUN
faba-276	397	11	,	,	PUNCT
faba-276	397	12	and	and	CCONJ
faba-276	397	13	d.	d.	PROPN
faba-276	397	14	t.	t.	PROPN
faba-276	397	15	duy	duy	PROPN
faba-276	397	16	.	.	PROPN
faba-276	397	17	2025	2025	NUM
faba-276	397	18	.	.	PUNCT
faba-276	398	1	exploring	explore	VERB
faba-276	398	2	mobile	mobile	ADJ
faba-276	398	3	money	money	NOUN
faba-276	398	4	adoption	adoption	NOUN
faba-276	398	5	in	in	ADP
faba-276	398	6	vietnam	vietnam	PROPN
faba-276	398	7	:	:	PUNCT
faba-276	398	8	insights	insight	NOUN
faba-276	398	9	from	from	ADP
faba-276	398	10	payment	payment	NOUN
faba-276	398	11	technology	technology	NOUN
faba-276	398	12	and	and	CCONJ
faba-276	398	13	demographic	demographic	ADJ
faba-276	398	14	dynamics	dynamic	NOUN
faba-276	398	15	.	.	PUNCT
faba-276	399	1	social	social	ADJ
faba-276	399	2	sciences	sciences	PROPN
faba-276	399	3	&	&	CCONJ
faba-276	399	4	humanities	humanity	NOUN
faba-276	399	5	open	open	VERB
faba-276	399	6	,	,	PUNCT
faba-276	399	7	15(1	15(1	NUM
faba-276	399	8	)	)	PUNCT
faba-276	399	9	,	,	PUNCT
faba-276	399	10	101421	101421	NUM
faba-276	399	11	.	.	PUNCT
faba-276	400	1	https://doi.org/10.1016/j.ssaho.2025.101421	https://doi.org/10.1016/j.ssaho.2025.101421	NOUN
faba-276	400	2	nguyen	nguyen	NOUN
faba-276	400	3	,	,	PUNCT
faba-276	400	4	o.	o.	PROPN
faba-276	400	5	t.	t.	PROPN
faba-276	400	6	2020	2020	NUM
faba-276	400	7	.	.	PUNCT
faba-276	401	1	factors	factor	NOUN
faba-276	401	2	affecting	affect	VERB
faba-276	401	3	the	the	DET
faba-276	401	4	intention	intention	NOUN
faba-276	401	5	to	to	PART
faba-276	401	6	use	use	VERB
faba-276	401	7	digital	digital	ADJ
faba-276	401	8	banking	banking	NOUN
faba-276	401	9	in	in	ADP
faba-276	401	10	vietnam	vietnam	PROPN
faba-276	401	11	.	.	PUNCT
faba-276	402	1	journal	journal	PROPN
faba-276	402	2	of	of	ADP
faba-276	402	3	asian	asian	ADJ
faba-276	402	4	finance	finance	NOUN
faba-276	402	5	,	,	PUNCT
faba-276	402	6	economics	economic	NOUN
faba-276	402	7	and	and	CCONJ
faba-276	402	8	business	business	NOUN
faba-276	402	9	,	,	PUNCT
faba-276	402	10	7(3	7(3	NUM
faba-276	402	11	):	):	PUNCT
faba-276	402	12	303	303	NUM
faba-276	402	13	-	-	SYM
faba-276	402	14	310	310	NUM
faba-276	402	15	.	.	PUNCT
faba-276	403	1	https://doi.org/10.13106/jafeb.2020.vol7.no3.303	https://doi.org/10.13106/jafeb.2020.vol7.no3.303	NOUN
faba-276	403	2	norulhuda	norulhuda	PROPN
faba-276	403	3	,	,	PUNCT
faba-276	403	4	a.	a.	PROPN
faba-276	403	5	,	,	PUNCT
faba-276	403	6	r.	r.	PROPN
faba-276	403	7	fauziah	fauziah	PROPN
faba-276	403	8	,	,	PUNCT
faba-276	403	9	and	and	CCONJ
faba-276	403	10	a.	a.	PROPN
faba-276	403	11	d.	d.	PROPN
faba-276	403	12	nor	nor	CCONJ
faba-276	403	13	.	.	PUNCT
faba-276	403	14	2020	2020	NUM
faba-276	403	15	.	.	PUNCT
faba-276	404	1	e	e	X
faba-276	404	2	-	-	NOUN
faba-276	404	3	wallet	wallet	NOUN
faba-276	404	4	:	:	PUNCT
faba-276	404	5	factors	factor	NOUN
faba-276	404	6	influencing	influence	VERB
faba-276	404	7	user	user	NOUN
faba-276	404	8	acceptance	acceptance	NOUN
faba-276	404	9	towards	towards	ADP
faba-276	404	10	cashless	cashless	NOUN
faba-276	404	11	society	society	NOUN
faba-276	404	12	in	in	ADP
faba-276	404	13	malaysia	malaysia	PROPN
faba-276	404	14	among	among	ADP
faba-276	404	15	public	public	ADJ
faba-276	404	16	universities	university	NOUN
faba-276	404	17	.	.	PUNCT
faba-276	405	1	indonesian	indonesian	ADJ
faba-276	405	2	journal	journal	PROPN
faba-276	405	3	of	of	ADP
faba-276	405	4	electrical	electrical	ADJ
faba-276	405	5	engineering	engineering	NOUN
faba-276	405	6	and	and	CCONJ
faba-276	405	7	computer	computer	NOUN
faba-276	405	8	science	science	NOUN
faba-276	405	9	,	,	PUNCT
faba-276	405	10	20(1	20(1	NUM
faba-276	405	11	):	):	PUNCT
faba-276	405	12	67	67	NUM
faba-276	405	13	-	-	SYM
faba-276	405	14	74	74	NUM
faba-276	405	15	.	.	PUNCT
faba-276	406	1	https://doi.org/10.11591/ijeecs.v20.i1.pp67-74	https://doi.org/10.11591/ijeecs.v20.i1.pp67-74	PROPN
faba-276	406	2	osman	osman	PROPN
faba-276	406	3	,	,	PUNCT
faba-276	406	4	s.	s.	PROPN
faba-276	406	5	,	,	PUNCT
faba-276	406	6	and	and	CCONJ
faba-276	406	7	t.	t.	PROPN
faba-276	406	8	p.	p.	PROPN
faba-276	406	9	leng	leng	PROPN
faba-276	406	10	.	.	PUNCT
faba-276	407	1	2020	2020	NUM
faba-276	407	2	.	.	PUNCT
faba-276	408	1	factors	factor	NOUN
faba-276	408	2	influencing	influence	VERB
faba-276	408	3	behavioural	behavioural	ADJ
faba-276	408	4	intention	intention	NOUN
faba-276	408	5	for	for	ADP
faba-276	408	6	mobile	mobile	ADJ
faba-276	408	7	banking	banking	NOUN
faba-276	408	8	adoption	adoption	NOUN
faba-276	408	9	among	among	ADP
faba-276	408	10	students	student	NOUN
faba-276	408	11	of	of	ADP
faba-276	408	12	universiti	universiti	PROPN
faba-276	408	13	putra	putra	PROPN
faba-276	408	14	malaysia	malaysia	PROPN
faba-276	408	15	.	.	PUNCT
faba-276	409	1	malaysian	malaysian	PROPN
faba-276	409	2	journal	journal	PROPN
faba-276	409	3	of	of	ADP
faba-276	409	4	consumer	consumer	NOUN
faba-276	409	5	and	and	CCONJ
faba-276	409	6	family	family	NOUN
faba-276	409	7	economics	economic	NOUN
faba-276	409	8	,	,	PUNCT
faba-276	409	9	24	24	NUM
faba-276	409	10	:	:	SYM
faba-276	409	11	79	79	NUM
faba-276	409	12	-	-	SYM
faba-276	409	13	100	100	NUM
faba-276	409	14	.	.	PUNCT
faba-276	410	1	owais	owais	PROPN
faba-276	410	2	,	,	PUNCT
faba-276	410	3	a.	a.	NOUN
faba-276	410	4	g.	g.	PROPN
faba-276	410	5	2020	2020	NUM
faba-276	410	6	.	.	PUNCT
faba-276	411	1	predictors	predictor	NOUN
faba-276	411	2	of	of	ADP
faba-276	411	3	e	e	NOUN
faba-276	411	4	-	-	ADJ
faba-276	411	5	banking	banking	ADJ
faba-276	411	6	service	service	NOUN
faba-276	411	7	adoption	adoption	NOUN
faba-276	411	8	in	in	ADP
faba-276	411	9	malaysia	malaysia	NOUN
faba-276	411	10	using	use	VERB
faba-276	411	11	an	an	DET
faba-276	411	12	extended	extended	ADJ
faba-276	411	13	technology	technology	NOUN
faba-276	411	14	acceptance	acceptance	NOUN
faba-276	411	15	model	model	NOUN
faba-276	411	16	.	.	PUNCT
faba-276	412	1	international	international	ADJ
faba-276	412	2	journal	journal	PROPN
faba-276	412	3	of	of	ADP
faba-276	412	4	contemporary	contemporary	PROPN
faba-276	412	5	management	management	NOUN
faba-276	412	6	and	and	CCONJ
faba-276	412	7	information	information	NOUN
faba-276	412	8	technology	technology	NOUN
faba-276	412	9	,	,	PUNCT
faba-276	412	10	1(1	1(1	NUM
faba-276	412	11	):	):	PUNCT
faba-276	412	12	2329	2329	NUM
faba-276	412	13	.	.	PUNCT
faba-276	413	1	https://ijcmit.com/wp-content/uploads/2020/12/owais-g.pdf	https://ijcmit.com/wp-content/uploads/2020/12/owais-g.pdf	NOUN
faba-276	413	2	paynet	paynet	NOUN
faba-276	413	3	.	.	PUNCT
faba-276	414	1	(	(	PUNCT
faba-276	414	2	n.d	n.d	PROPN
faba-276	414	3	.	.	PROPN
faba-276	414	4	)	)	PUNCT
faba-276	414	5	.	.	PUNCT
faba-276	415	1	retail	retail	ADJ
faba-276	415	2	payments	payment	NOUN
faba-276	415	3	platform	platform	NOUN
faba-276	415	4	(	(	PUNCT
faba-276	415	5	rpp	rpp	PROPN
faba-276	415	6	)	)	PUNCT
faba-276	415	7	.	.	PUNCT
faba-276	416	1	https://paynet.my/fi-rpp.html	https://paynet.my/fi-rpp.html	PROPN
faba-276	416	2	pearson	pearson	PROPN
faba-276	416	3	,	,	PUNCT
faba-276	416	4	k.	k.	PROPN
faba-276	416	5	1895	1895	NUM
faba-276	416	6	.	.	PUNCT
faba-276	417	1	vii	vii	PROPN
faba-276	417	2	.	.	PROPN
faba-276	417	3	note	note	PROPN
faba-276	417	4	on	on	ADP
faba-276	417	5	regression	regression	NOUN
faba-276	417	6	and	and	CCONJ
faba-276	417	7	inheritance	inheritance	NOUN
faba-276	417	8	in	in	ADP
faba-276	417	9	the	the	DET
faba-276	417	10	case	case	NOUN
faba-276	417	11	of	of	ADP
faba-276	417	12	two	two	NUM
faba-276	417	13	parents	parent	NOUN
faba-276	417	14	.	.	PUNCT
faba-276	418	1	proceedings	proceeding	NOUN
faba-276	418	2	of	of	ADP
faba-276	418	3	the	the	DET
faba-276	418	4	royal	royal	ADJ
faba-276	418	5	society	society	NOUN
faba-276	418	6	of	of	ADP
faba-276	418	7	london	london	PROPN
faba-276	418	8	,	,	PUNCT
faba-276	418	9	58(347	58(347	NOUN
faba-276	418	10	-	-	PUNCT
faba-276	418	11	352	352	NUM
faba-276	418	12	)	)	PUNCT
faba-276	418	13	,	,	PUNCT
faba-276	418	14	240	240	NUM
faba-276	418	15	-	-	SYM
faba-276	418	16	242	242	NUM
faba-276	418	17	.	.	PUNCT
faba-276	419	1	https://doi.org/10.1098/rspl.1895.0041	https://doi.org/10.1098/rspl.1895.0041	PROPN
faba-276	419	2	phuong	phuong	PROPN
faba-276	419	3	,	,	PUNCT
faba-276	419	4	n.	n.	PROPN
faba-276	419	5	n.	n.	PROPN
faba-276	419	6	d.	d.	PROPN
faba-276	419	7	,	,	PUNCT
faba-276	419	8	l.	l.	PROPN
faba-276	419	9	t.	t.	PROPN
faba-276	419	10	luan	luan	PROPN
faba-276	419	11	,	,	PUNCT
faba-276	419	12	v.	v.	PROPN
faba-276	419	13	v.	v.	ADP
faba-276	419	14	dong	dong	PROPN
faba-276	419	15	,	,	PUNCT
faba-276	419	16	and	and	CCONJ
faba-276	419	17	n.	n.	PROPN
faba-276	419	18	l.	l.	PROPN
faba-276	419	19	n.	n.	PROPN
faba-276	419	20	khanh	khanh	PROPN
faba-276	419	21	.	.	PUNCT
faba-276	420	1	2020	2020	NUM
faba-276	420	2	.	.	PUNCT
faba-276	421	1	examining	examine	VERB
faba-276	421	2	customers	customer	NOUN
faba-276	421	3	'	'	PART
faba-276	421	4	continuance	continuance	NOUN
faba-276	421	5	intentions	intention	NOUN
faba-276	421	6	towards	towards	ADP
faba-276	421	7	e	e	NOUN
faba-276	421	8	-	-	NOUN
faba-276	421	9	wallet	wallet	NOUN
faba-276	421	10	usage	usage	NOUN
faba-276	421	11	:	:	PUNCT
faba-276	421	12	the	the	DET
faba-276	421	13	emergence	emergence	NOUN
faba-276	421	14	of	of	ADP
faba-276	421	15	mobile	mobile	ADJ
faba-276	421	16	payment	payment	NOUN
faba-276	421	17	acceptance	acceptance	NOUN
faba-276	421	18	in	in	ADP
faba-276	421	19	vietnam	vietnam	PROPN
faba-276	421	20	.	.	PUNCT
faba-276	422	1	the	the	DET
faba-276	422	2	journal	journal	NOUN
faba-276	422	3	of	of	ADP
faba-276	422	4	asian	asian	ADJ
faba-276	422	5	finance	finance	NOUN
faba-276	422	6	,	,	PUNCT
faba-276	422	7	economics	economic	NOUN
faba-276	422	8	and	and	CCONJ
faba-276	422	9	business	business	NOUN
faba-276	422	10	,	,	PUNCT
faba-276	422	11	7(9	7(9	NUM
faba-276	422	12	):	):	PUNCT
faba-276	422	13	505	505	NUM
faba-276	422	14	-	-	SYM
faba-276	422	15	516	516	NUM
faba-276	422	16	.	.	PUNCT
faba-276	423	1	https://doi.org/10.13106/jafeb.2020.vol7.no9.505	https://doi.org/10.13106/jafeb.2020.vol7.no9.505	ADJ
faba-276	423	2	popkova	popkova	PROPN
faba-276	423	3	,	,	PUNCT
faba-276	423	4	e.	e.	PROPN
faba-276	423	5	,	,	PUNCT
faba-276	423	6	p.	p.	NOUN
faba-276	423	7	delo	delo	NOUN
faba-276	423	8	,	,	PUNCT
faba-276	423	9	and	and	CCONJ
faba-276	423	10	b.	b.	PROPN
faba-276	423	11	s.	s.	PROPN
faba-276	423	12	sergi	sergi	PROPN
faba-276	423	13	.	.	PROPN
faba-276	423	14	2021	2021	NUM
faba-276	423	15	.	.	PUNCT
faba-276	424	1	corporate	corporate	ADJ
faba-276	424	2	social	social	ADJ
faba-276	424	3	responsibility	responsibility	NOUN
faba-276	424	4	amid	amid	ADP
faba-276	424	5	social	social	ADJ
faba-276	424	6	distancing	distancing	NOUN
faba-276	424	7	during	during	ADP
faba-276	424	8	the	the	DET
faba-276	424	9	covid-19	covid-19	PROPN
faba-276	424	10	crisis	crisis	NOUN
faba-276	424	11	:	:	PUNCT
faba-276	424	12	brics	bric	NOUN
faba-276	424	13	vs.	vs.	ADP
faba-276	424	14	oecd	oecd	PROPN
faba-276	424	15	countries	country	NOUN
faba-276	424	16	.	.	PUNCT
faba-276	425	1	research	research	NOUN
faba-276	425	2	in	in	ADP
faba-276	425	3	international	international	ADJ
faba-276	425	4	business	business	NOUN
faba-276	425	5	and	and	CCONJ
faba-276	425	6	finance	finance	NOUN
faba-276	425	7	,	,	PUNCT
faba-276	425	8	55	55	NUM
faba-276	425	9	:	:	SYM
faba-276	425	10	101315	101315	NUM
faba-276	425	11	.	.	PUNCT
faba-276	426	1	https://doi.org/10.1016/j.ribaf.2020.101315	https://doi.org/10.1016/j.ribaf.2020.101315	PROPN
faba-276	426	2	rahman	rahman	PROPN
faba-276	426	3	,	,	PUNCT
faba-276	426	4	m.	m.	NOUN
faba-276	426	5	t.	t.	PROPN
faba-276	426	6	,	,	PUNCT
faba-276	426	7	a.	a.	PROPN
faba-276	426	8	f.	f.	PROPN
faba-276	426	9	khafaga	khafaga	PROPN
faba-276	426	10	,	,	PUNCT
faba-276	426	11	a.	a.	NOUN
faba-276	426	12	a.	a.	NOUN
faba-276	426	13	shehata	shehata	PROPN
faba-276	426	14	,	,	PUNCT
faba-276	426	15	e.	e.	PROPN
faba-276	426	16	i.	i.	PROPN
faba-276	426	17	azhar	azhar	PROPN
faba-276	426	18	,	,	PUNCT
faba-276	426	19	h.	h.	PROPN
faba-276	426	20	m.	m.	PROPN
faba-276	426	21	hafez	hafez	PROPN
faba-276	426	22	,	,	PUNCT
faba-276	426	23	f.	f.	PROPN
faba-276	426	24	bovera	bovera	PROPN
faba-276	426	25	,	,	PUNCT
faba-276	426	26	y.	y.	PROPN
faba-276	426	27	a.	a.	PROPN
faba-276	426	28	attia	attia	PROPN
faba-276	426	29	,	,	PUNCT
faba-276	426	30	m.s	m.s	PROPN
faba-276	426	31	.	.	PROPN
faba-276	426	32	islam	islam	PROPN
faba-276	426	33	,	,	PUNCT
faba-276	426	34	and	and	CCONJ
faba-276	426	35	s.	s.	PROPN
faba-276	426	36	basiouni	basiouni	PROPN
faba-276	426	37	.	.	PUNCT
faba-276	426	38	2022	2022	NUM
faba-276	426	39	.	.	PUNCT
faba-276	427	1	influence	influence	NOUN
faba-276	427	2	of	of	ADP
faba-276	427	3	covid-19	covid-19	PROPN
faba-276	427	4	on	on	ADP
faba-276	427	5	the	the	DET
faba-276	427	6	sustainability	sustainability	NOUN
faba-276	427	7	of	of	ADP
faba-276	427	8	livestock	livestock	NOUN
faba-276	427	9	performance	performance	NOUN
faba-276	427	10	and	and	CCONJ
faba-276	427	11	welfare	welfare	NOUN
faba-276	427	12	on	on	ADP
faba-276	427	13	a	a	DET
faba-276	427	14	global	global	ADJ
faba-276	427	15	scale	scale	NOUN
faba-276	427	16	.	.	PUNCT
faba-276	428	1	tropical	tropical	ADJ
faba-276	428	2	animal	animal	NOUN
faba-276	428	3	health	health	NOUN
faba-276	428	4	and	and	CCONJ
faba-276	428	5	production	production	NOUN
faba-276	428	6	,	,	PUNCT
faba-276	428	7	54(5	54(5	NUM
faba-276	428	8	)	)	PUNCT
faba-276	428	9	.	.	PUNCT
faba-276	429	1	https://doi.org/10.1007/s11250-02203256-x	https://doi.org/10.1007/s11250-02203256-x	PROPN
faba-276	429	2	ramos	ramos	PROPN
faba-276	429	3	de	de	PROPN
faba-276	429	4	luna	luna	PROPN
faba-276	429	5	,	,	PUNCT
faba-276	429	6	i.	i.	PROPN
faba-276	429	7	,	,	PUNCT
faba-276	429	8	f.	f.	PROPN
faba-276	429	9	montoro	montoro	PROPN
faba-276	429	10	-	-	PUNCT
faba-276	429	11	ríos	ríos	PROPN
faba-276	429	12	,	,	PUNCT
faba-276	429	13	s.	s.	PROPN
faba-276	429	14	molinillo	molinillo	PROPN
faba-276	429	15	,	,	PUNCT
faba-276	429	16	and	and	CCONJ
faba-276	429	17	f.	f.	PROPN
faba-276	429	18	liébana	liébana	PROPN
faba-276	429	19	-	-	PUNCT
faba-276	429	20	cabanillas	cabanilla	NOUN
faba-276	429	21	.	.	PUNCT
faba-276	430	1	2023	2023	NUM
faba-276	430	2	.	.	PUNCT
faba-276	431	1	consumer	consumer	NOUN
faba-276	431	2	behaviour	behaviour	NOUN
faba-276	431	3	and	and	CCONJ
faba-276	431	4	mobile	mobile	ADJ
faba-276	431	5	payments	payment	NOUN
faba-276	431	6	in	in	ADP
faba-276	431	7	the	the	DET
faba-276	431	8	point	point	NOUN
faba-276	431	9	of	of	ADP
faba-276	431	10	sale	sale	NOUN
faba-276	431	11	:	:	PUNCT
faba-276	431	12	exploring	explore	VERB
faba-276	431	13	the	the	DET
faba-276	431	14	determinants	determinant	NOUN
faba-276	431	15	of	of	ADP
faba-276	431	16	intention	intention	NOUN
faba-276	431	17	to	to	PART
faba-276	431	18	adopt	adopt	VERB
faba-276	431	19	it	it	PRON
faba-276	431	20	.	.	PUNCT
faba-276	432	1	international	international	ADJ
faba-276	432	2	journal	journal	PROPN
faba-276	432	3	of	of	ADP
faba-276	432	4	human	human	ADJ
faba-276	432	5	–	–	PUNCT
faba-276	432	6	computer	computer	NOUN
faba-276	432	7	interaction	interaction	NOUN
faba-276	432	8	,	,	PUNCT
faba-276	432	9	40(18	40(18	NOUN
faba-276	432	10	)	)	PUNCT
faba-276	432	11	,	,	PUNCT
faba-276	432	12	5350–5372	5350–5372	NUM
faba-276	432	13	.	.	PUNCT
faba-276	433	1	https://doi.org/10.1080/10447318.2023.2233135	https://doi.org/10.1080/10447318.2023.2233135	VERB
faba-276	433	2	riddell	riddell	PROPN
faba-276	433	3	,	,	PUNCT
faba-276	433	4	s.	s.	PROPN
faba-276	433	5	,	,	PUNCT
faba-276	433	6	s.	s.	PROPN
faba-276	433	7	goldie	goldie	PROPN
faba-276	433	8	,	,	PUNCT
faba-276	433	9	a.	a.	PROPN
faba-276	433	10	hill	hill	PROPN
faba-276	433	11	,	,	PUNCT
faba-276	433	12	d.	d.	PROPN
faba-276	433	13	eagles	eagles	PROPN
faba-276	433	14	,	,	PUNCT
faba-276	433	15	and	and	CCONJ
faba-276	433	16	w.	w.	NOUN
faba-276	433	17	drew	draw	VERB
faba-276	433	18	.	.	PUNCT
faba-276	434	1	2020	2020	NUM
faba-276	434	2	.	.	PUNCT
faba-276	435	1	the	the	DET
faba-276	435	2	effect	effect	NOUN
faba-276	435	3	of	of	ADP
faba-276	435	4	temperature	temperature	NOUN
faba-276	435	5	on	on	ADP
faba-276	435	6	persistence	persistence	NOUN
faba-276	435	7	of	of	ADP
faba-276	435	8	sarscov-2	sarscov-2	NUM
faba-276	435	9	on	on	ADP
faba-276	435	10	common	common	ADJ
faba-276	435	11	surfaces	surface	NOUN
faba-276	435	12	.	.	PUNCT
faba-276	436	1	virology	virology	NOUN
faba-276	436	2	journal	journal	NOUN
faba-276	436	3	,	,	PUNCT
faba-276	436	4	17	17	NUM
faba-276	436	5	:	:	SYM
faba-276	436	6	145	145	NUM
faba-276	436	7	.	.	PUNCT
faba-276	436	8	https://doi.org/10.1186/s12985-020-01418-7	https://doi.org/10.1186/s12985-020-01418-7	NUM
faba-276	436	9	rogers	rogers	PROPN
faba-276	436	10	,	,	PUNCT
faba-276	436	11	e.	e.	PROPN
faba-276	436	12	m.	m.	PROPN
faba-276	436	13	1995	1995	NUM
faba-276	436	14	.	.	PUNCT
faba-276	437	1	diffusion	diffusion	NOUN
faba-276	437	2	of	of	ADP
faba-276	437	3	innovations	innovation	NOUN
faba-276	437	4	:	:	PUNCT
faba-276	437	5	modifications	modification	NOUN
faba-276	437	6	of	of	ADP
faba-276	437	7	a	a	DET
faba-276	437	8	model	model	NOUN
faba-276	437	9	for	for	ADP
faba-276	437	10	telecommunications	telecommunication	NOUN
faba-276	437	11	.	.	PUNCT
faba-276	438	1	in	in	ADP
faba-276	438	2	:	:	PUNCT
faba-276	438	3	stoetzer	stoetzer	NOUN
faba-276	438	4	mw	mw	PROPN
faba-276	438	5	.	.	PROPN
faba-276	438	6	,	,	PUNCT
faba-276	438	7	mahler	mahler	PROPN
faba-276	438	8	a.	a.	PROPN
faba-276	438	9	(	(	PUNCT
faba-276	438	10	eds	ed	NOUN
faba-276	438	11	)	)	PUNCT
faba-276	438	12	die	die	VERB
faba-276	438	13	diffusion	diffusion	NOUN
faba-276	438	14	von	von	PROPN
faba-276	438	15	innovationen	innovationen	PROPN
faba-276	438	16	in	in	ADP
faba-276	438	17	der	der	ADJ
faba-276	438	18	telekommunikation	telekommunikation	NOUN
faba-276	438	19	.	.	PUNCT
faba-276	439	1	springer	springer	PROPN
faba-276	439	2	online	online	PROPN
faba-276	439	3	journal	journal	PROPN
faba-276	439	4	.	.	PUNCT
faba-276	440	1	https://doi.org/10.1007/978-3-642-79868-9_2	https://doi.org/10.1007/978-3-642-79868-9_2	PROPN
faba-276	440	2	sukendro	sukendro	PROPN
faba-276	440	3	,	,	PUNCT
faba-276	440	4	s.	s.	PROPN
faba-276	440	5	,	,	PUNCT
faba-276	440	6	a.	a.	PROPN
faba-276	440	7	habibi	habibi	PROPN
faba-276	440	8	,	,	PUNCT
faba-276	440	9	k.	k.	PROPN
faba-276	440	10	khaeruddin	khaeruddin	PROPN
faba-276	440	11	,	,	PUNCT
faba-276	440	12	b.	b.	PROPN
faba-276	440	13	indrayana	indrayana	PROPN
faba-276	440	14	,	,	PUNCT
faba-276	440	15	s.	s.	PROPN
faba-276	440	16	syahruddin	syahruddin	PROPN
faba-276	440	17	,	,	PUNCT
faba-276	440	18	f.	f.	PROPN
faba-276	440	19	a.	a.	PROPN
faba-276	440	20	makadada	makadada	PROPN
faba-276	440	21	,	,	PUNCT
faba-276	440	22	and	and	CCONJ
faba-276	440	23	h.	h.	PROPN
faba-276	440	24	hakim	hakim	PROPN
faba-276	440	25	.	.	PUNCT
faba-276	441	1	2020	2020	NUM
faba-276	441	2	.	.	PUNCT
faba-276	442	1	using	use	VERB
faba-276	442	2	an	an	DET
faba-276	442	3	extended	extended	ADJ
faba-276	442	4	technology	technology	NOUN
faba-276	442	5	acceptance	acceptance	NOUN
faba-276	442	6	model	model	NOUN
faba-276	442	7	to	to	PART
faba-276	442	8	understand	understand	VERB
faba-276	442	9	students	student	NOUN
faba-276	442	10	’	'	PUNCT
faba-276	442	11	use	use	NOUN
faba-276	442	12	of	of	ADP
faba-276	442	13	e	e	NOUN
faba-276	442	14	-	-	NOUN
faba-276	442	15	learning	learn	VERB
faba-276	442	16	during	during	ADP
faba-276	442	17	covid19	covid19	NOUN
faba-276	442	18	:	:	PUNCT
faba-276	442	19	indonesian	indonesian	ADJ
faba-276	442	20	sport	sport	PROPN
faba-276	442	21	science	science	PROPN
faba-276	442	22	education	education	PROPN
faba-276	442	23	context	context	NOUN
faba-276	442	24	.	.	PUNCT
faba-276	443	1	heliyon	heliyon	NOUN
faba-276	443	2	,	,	PUNCT
faba-276	443	3	6(11	6(11	NUM
faba-276	443	4	):	):	PUNCT
faba-276	443	5	e05410	e05410	PROPN
faba-276	443	6	.	.	PROPN
faba-276	443	7	https://doi.org/10.1016/j.heliyon.2020.e05410	https://doi.org/10.1016/j.heliyon.2020.e05410	PROPN
faba-276	443	8	syed	syed	PROPN
faba-276	443	9	,	,	PUNCT
faba-276	443	10	s.	s.	PROPN
faba-276	443	11	a.	a.	PROPN
faba-276	443	12	,	,	PUNCT
faba-276	443	13	o.	o.	PROPN
faba-276	443	14	nor	nor	CCONJ
faba-276	443	15	asiah	asiah	PROPN
faba-276	443	16	,	,	PUNCT
faba-276	443	17	m.	m.	NOUN
faba-276	443	18	a.	a.	PROPN
faba-276	443	19	ahmad	ahmad	PROPN
faba-276	443	20	azmi	azmi	PROPN
faba-276	443	21	,	,	PUNCT
faba-276	443	22	and	and	CCONJ
faba-276	443	23	n.	n.	PROPN
faba-276	443	24	h.	h.	PROPN
faba-276	444	1	nik	nik	PROPN
faba-276	444	2	mohd	mohd	PROPN
faba-276	444	3	hazrul	hazrul	PROPN
faba-276	444	4	.	.	PUNCT
faba-276	445	1	2018	2018	NUM
faba-276	445	2	.	.	PUNCT
faba-276	446	1	integrating	integrate	VERB
faba-276	446	2	tpb	tpb	NOUN
faba-276	446	3	,	,	PUNCT
faba-276	446	4	tam	tam	PROPN
faba-276	446	5	and	and	CCONJ
faba-276	446	6	doi	doi	NOUN
faba-276	446	7	theories	theory	NOUN
faba-276	446	8	:	:	PUNCT
faba-276	446	9	an	an	DET
faba-276	446	10	empirical	empirical	ADJ
faba-276	446	11	evidence	evidence	NOUN
faba-276	446	12	for	for	ADP
faba-276	446	13	the	the	DET
faba-276	446	14	adoption	adoption	NOUN
faba-276	446	15	of	of	ADP
faba-276	446	16	mobile	mobile	ADJ
faba-276	446	17	banking	banking	NOUN
faba-276	446	18	among	among	ADP
faba-276	446	19	customers	customer	NOUN
faba-276	446	20	in	in	ADP
faba-276	446	21	https://www.malaymail.com/news/malaysia/2020/08/27/deputy-minister-rm495m-in-e-penjana-funds-paid-out-to-9.9-million-malaysian/1897638	https://www.malaymail.com/news/malaysia/2020/08/27/deputy-minister-rm495m-in-e-penjana-funds-paid-out-to-9.9-million-malaysian/1897638	PROPN
faba-276	446	22	http://www.ijafb.com/pdf/ijafb-2017-05-09-05.pdf	http://www.ijafb.com/pdf/ijafb-2017-05-09-05.pdf	PROPN
faba-276	446	23	https://doi.org/10.1016/j.jjimei.2024.100254	https://doi.org/10.1016/j.jjimei.2024.100254	PROPN
faba-276	446	24	https://doi.org/10.1016/j.techsoc.2018.01.003	https://doi.org/10.1016/j.techsoc.2018.01.003	PROPN
faba-276	446	25	https://www.nst.com.my/news/nation/2020/03/575180/14-day-movement-control-order-begins-nationwide-wednesday	https://www.nst.com.my/news/nation/2020/03/575180/14-day-movement-control-order-begins-nationwide-wednesday	NOUN
faba-276	446	26	https://www.nst.com.my/news/nation/2020/03/575180/14-day-movement-control-order-begins-nationwide-wednesday	https://www.nst.com.my/news/nation/2020/03/575180/14-day-movement-control-order-begins-nationwide-wednesday	NOUN
faba-276	446	27	https://doi.org/10.1016/j.ssaho.2025.101421	https://doi.org/10.1016/j.ssaho.2025.101421	VERB
faba-276	446	28	https://doi.org/10.13106/jafeb.2020.vol7.no3.303	https://doi.org/10.13106/jafeb.2020.vol7.no3.303	PROPN
faba-276	446	29	https://doi.org/10.11591/ijeecs.v20.i1.pp67-74	https://doi.org/10.11591/ijeecs.v20.i1.pp67-74	PROPN
faba-276	446	30	https://ijcmit.com/wp-content/uploads/2020/12/owais-g.pdf	https://ijcmit.com/wp-content/uploads/2020/12/owais-g.pdf	PROPN
faba-276	446	31	https://paynet.my/fi-rpp.html	https://paynet.my/fi-rpp.html	X
faba-276	446	32	https://doi.org/10.1098/rspl.1895.0041	https://doi.org/10.1098/rspl.1895.0041	PROPN
faba-276	446	33	https://doi.org/10.13106/jafeb.2020.vol7.no9.505	https://doi.org/10.13106/jafeb.2020.vol7.no9.505	ADJ
faba-276	446	34	https://doi.org/10.1016/j.ribaf.2020.101315	https://doi.org/10.1016/j.ribaf.2020.101315	PROPN
faba-276	446	35	https://doi.org/10.1007/s11250-022-03256-x	https://doi.org/10.1007/s11250-022-03256-x	PROPN
faba-276	446	36	https://doi.org/10.1007/s11250-022-03256-x	https://doi.org/10.1007/s11250-022-03256-x	NOUN
faba-276	446	37	https://doi.org/10.1080/10447318.2023.2233135	https://doi.org/10.1080/10447318.2023.2233135	X
faba-276	446	38	https://doi.org/10.1186/s12985-020-01418-7	https://doi.org/10.1186/s12985-020-01418-7	NUM
faba-276	446	39	https://doi.org/10.1007/978-3-642-79868-9_2	https://doi.org/10.1007/978-3-642-79868-9_2	NOUN
faba-276	446	40	https://doi.org/10.1016/j.heliyon.2020.e05410	https://doi.org/10.1016/j.heliyon.2020.e05410	VERB
faba-276	446	41	rushaizzad	rushaizzad	PROPN
faba-276	446	42	a.rahim	a.rahim	PRON
faba-276	446	43	and	and	CCONJ
faba-276	446	44	jaizah	jaizah	VERB
faba-276	446	45	othman	othman	PROPN
faba-276	446	46	/	/	SYM
faba-276	446	47	finance	finance	NOUN
faba-276	446	48	,	,	PUNCT
faba-276	446	49	accounting	accounting	NOUN
faba-276	446	50	and	and	CCONJ
faba-276	446	51	business	business	NOUN
faba-276	446	52	analysis	analysis	NOUN
faba-276	446	53	,	,	PUNCT
faba-276	446	54	volume	volume	NOUN
faba-276	446	55	7	7	NUM
faba-276	446	56	issue	issue	NOUN
faba-276	446	57	2	2	NUM
faba-276	446	58	,	,	PUNCT
faba-276	446	59	2025	2025	NUM
faba-276	446	60	180	180	NUM
faba-276	446	61	klang	klang	PROPN
faba-276	446	62	valley	valley	PROPN
faba-276	446	63	,	,	PUNCT
faba-276	446	64	malaysia	malaysia	PROPN
faba-276	446	65	.	.	PUNCT
faba-276	447	1	international	international	ADJ
faba-276	447	2	journal	journal	PROPN
faba-276	447	3	of	of	ADP
faba-276	447	4	business	business	NOUN
faba-276	447	5	and	and	CCONJ
faba-276	447	6	management	management	NOUN
faba-276	447	7	science	science	NOUN
faba-276	447	8	,	,	PUNCT
faba-276	447	9	8(2	8(2	NUM
faba-276	447	10	):	):	PUNCT
faba-276	447	11	385	385	NUM
faba-276	447	12	-	-	SYM
faba-276	447	13	403	403	NUM
faba-276	447	14	.	.	PUNCT
faba-276	448	1	https://www.researchgate.net/publication/331501885	https://www.researchgate.net/publication/331501885	NOUN
faba-276	448	2	syuhaili	syuhaili	NOUN
faba-276	448	3	,	,	PUNCT
faba-276	448	4	o.	o.	NOUN
faba-276	448	5	,	,	PUNCT
faba-276	448	6	and	and	CCONJ
faba-276	448	7	p.	p.	PROPN
faba-276	448	8	l.	l.	PROPN
faba-276	448	9	tan	tan	PROPN
faba-276	448	10	.	.	PUNCT
faba-276	449	1	2020	2020	NUM
faba-276	449	2	.	.	PUNCT
faba-276	450	1	factors	factor	NOUN
faba-276	450	2	influencing	influence	VERB
faba-276	450	3	behavioural	behavioural	ADJ
faba-276	450	4	intention	intention	NOUN
faba-276	450	5	for	for	ADP
faba-276	450	6	mobile	mobile	ADJ
faba-276	450	7	banking	banking	NOUN
faba-276	450	8	adoption	adoption	NOUN
faba-276	450	9	among	among	ADP
faba-276	450	10	students	student	NOUN
faba-276	450	11	of	of	ADP
faba-276	450	12	universiti	universiti	PROPN
faba-276	450	13	putra	putra	PROPN
faba-276	450	14	malaysia	malaysia	PROPN
faba-276	450	15	.	.	PUNCT
faba-276	451	1	malaysian	malaysian	PROPN
faba-276	451	2	journal	journal	PROPN
faba-276	451	3	of	of	ADP
faba-276	451	4	consumer	consumer	NOUN
faba-276	451	5	and	and	CCONJ
faba-276	451	6	family	family	NOUN
faba-276	451	7	economics	economic	NOUN
faba-276	451	8	,	,	PUNCT
faba-276	451	9	24	24	NUM
faba-276	451	10	(	(	PUNCT
faba-276	451	11	1	1	NUM
faba-276	451	12	)	)	PUNCT
faba-276	451	13	.	.	PUNCT
faba-276	452	1	79	79	NUM
faba-276	452	2	100	100	NUM
faba-276	452	3	.	.	PUNCT
faba-276	453	1	issn	issn	PROPN
faba-276	453	2	1511	1511	NUM
faba-276	453	3	-	-	SYM
faba-276	453	4	2802	2802	NUM
faba-276	453	5	.	.	PUNCT
faba-276	454	1	tang	tang	PROPN
faba-276	454	2	,	,	PUNCT
faba-276	454	3	c.-s	c.-	NOUN
faba-276	454	4	.	.	PUNCT
faba-276	454	5	,	,	PUNCT
faba-276	454	6	e.	e.	PROPN
faba-276	454	7	k.	k.	PROPN
faba-276	454	8	paleologos	paleologos	PROPN
faba-276	454	9	,	,	PUNCT
faba-276	454	10	c.	c.	NOUN
faba-276	454	11	vitone	vitone	NOUN
faba-276	454	12	,	,	PUNCT
faba-276	454	13	y.-j	y.-j	PROPN
faba-276	454	14	.	.	PROPN
faba-276	454	15	du	du	PROPN
faba-276	454	16	,	,	PUNCT
faba-276	454	17	j.-s	j.-s	PROPN
faba-276	454	18	.	.	PUNCT
faba-276	455	1	li	li	PROPN
faba-276	455	2	,	,	PUNCT
faba-276	455	3	n.-j	n.-j	PROPN
faba-276	455	4	.	.	PUNCT
faba-276	456	1	jiang	jiang	PROPN
faba-276	456	2	,	,	PUNCT
faba-276	456	3	y.-f	y.-f	PROPN
faba-276	456	4	.	.	PUNCT
faba-276	457	1	deng	deng	PROPN
faba-276	457	2	,	,	PUNCT
faba-276	457	3	j.	j.	PROPN
faba-276	457	4	chu	chu	PROPN
faba-276	457	5	,	,	PUNCT
faba-276	457	6	z.	z.	PROPN
faba-276	457	7	shen	shen	PROPN
faba-276	457	8	,	,	PUNCT
faba-276	457	9	e.	e.	PROPN
faba-276	457	10	koda	koda	PROPN
faba-276	457	11	,	,	PUNCT
faba-276	457	12	a.	a.	PROPN
faba-276	457	13	dominijanni	dominijanni	PROPN
faba-276	457	14	,	,	PUNCT
faba-276	457	15	x.	x.	PROPN
faba-276	457	16	fei	fei	PROPN
faba-276	457	17	,	,	PUNCT
faba-276	457	18	m.	m.	PROPN
faba-276	457	19	d.	d.	PROPN
faba-276	457	20	vaverková	vaverková	PROPN
faba-276	457	21	,	,	PUNCT
faba-276	457	22	p.	p.	PROPN
faba-276	457	23	osiński	osiński	PROPN
faba-276	457	24	,	,	PUNCT
faba-276	457	25	x.	x.	PROPN
faba-276	457	26	chen	chen	PROPN
faba-276	457	27	,	,	PUNCT
faba-276	457	28	a.	a.	NOUN
faba-276	457	29	asadi	asadi	PROPN
faba-276	457	30	,	,	PUNCT
faba-276	457	31	m.	m.	PROPN
faba-276	457	32	r.	r.	PROPN
faba-276	457	33	h.	h.	PROPN
faba-276	457	34	takeuchi	takeuchi	PROPN
faba-276	457	35	,	,	PUNCT
faba-276	457	36	m.	m.	PROPN
faba-276	457	37	w.	w.	PROPN
faba-276	457	38	bo	bo	PROPN
faba-276	457	39	,	,	PUNCT
faba-276	457	40	h.	h.	PROPN
faba-276	457	41	abuel	abuel	PROPN
faba-276	457	42	-	-	PUNCT
faba-276	457	43	naga	naga	NOUN
faba-276	457	44	,	,	PUNCT
faba-276	457	45	e.-c	e.-c	NOUN
faba-276	457	46	.	.	PUNCT
faba-276	458	1	leong	leong	PROPN
faba-276	458	2	,	,	PUNCT
faba-276	458	3	a.	a.	PROPN
faba-276	458	4	farid	farid	PROPN
faba-276	458	5	,	,	PUNCT
faba-276	458	6	t.	t.	NOUN
faba-276	458	7	baser	baser	NOUN
faba-276	458	8	,	,	PUNCT
faba-276	458	9	b.	b.	PROPN
faba-276	458	10	c.	c.	PROPN
faba-276	458	11	o’kelly	o’kelly	ADV
faba-276	458	12	,	,	PUNCT
faba-276	458	13	b.	b.	PROPN
faba-276	458	14	jha	jha	PROPN
faba-276	458	15	,	,	PUNCT
faba-276	458	16	v.	v.	PROPN
faba-276	458	17	s.	s.	PROPN
faba-276	458	18	n.	n.	PROPN
faba-276	458	19	s.	s.	PROPN
faba-276	458	20	goli	goli	PROPN
faba-276	458	21	,	,	PUNCT
faba-276	458	22	and	and	CCONJ
faba-276	458	23	d.	d.	PROPN
faba-276	458	24	n.	n.	PROPN
faba-276	458	25	singh	singh	PROPN
faba-276	458	26	.	.	PUNCT
faba-276	459	1	“	"	PUNCT
faba-276	459	2	environmental	environmental	ADJ
faba-276	459	3	geotechnics	geotechnic	NOUN
faba-276	459	4	:	:	PUNCT
faba-276	459	5	challenges	challenge	NOUN
faba-276	459	6	and	and	CCONJ
faba-276	459	7	opportunities	opportunity	NOUN
faba-276	459	8	in	in	ADP
faba-276	459	9	the	the	DET
faba-276	459	10	post	post	ADJ
faba-276	459	11	-	-	ADJ
faba-276	459	12	covid-19	covid-19	ADJ
faba-276	459	13	world	world	NOUN
faba-276	459	14	.	.	PUNCT
faba-276	459	15	”	"	PUNCT
faba-276	460	1	environmental	environmental	ADJ
faba-276	460	2	geotechnics	geotechnic	NOUN
faba-276	460	3	,	,	PUNCT
faba-276	460	4	2021	2021	NUM
faba-276	460	5	,	,	PUNCT
faba-276	460	6	8(3	8(3	NUM
faba-276	460	7	):	):	PUNCT
faba-276	460	8	172–192	172–192	NUM
faba-276	460	9	.	.	PUNCT
faba-276	461	1	https://doi.org/10.1680/jenge.20.00054	https://doi.org/10.1680/jenge.20.00054	PROPN
faba-276	461	2	teoh	teoh	PROPN
faba-276	461	3	,	,	PUNCT
faba-276	461	4	t.	t.	PROPN
faba-276	461	5	,	,	PUNCT
faba-276	461	6	t.	t.	PROPN
faba-276	461	7	,	,	PUNCT
faba-276	461	8	c.	c.	PROPN
faba-276	461	9	y.	y.	PROPN
faba-276	461	10	hoo	hoo	PROPN
faba-276	461	11	,	,	PUNCT
faba-276	461	12	and	and	CCONJ
faba-276	461	13	t.	t.	PROPN
faba-276	461	14	h.	h.	PROPN
faba-276	461	15	lee	lee	PROPN
faba-276	461	16	.	.	PROPN
faba-276	461	17	2020	2020	NUM
faba-276	461	18	.	.	PUNCT
faba-276	462	1	e	e	X
faba-276	462	2	-	-	NOUN
faba-276	462	3	wallet	wallet	NOUN
faba-276	462	4	adoption	adoption	NOUN
faba-276	462	5	:	:	PUNCT
faba-276	462	6	a	a	DET
faba-276	462	7	case	case	NOUN
faba-276	462	8	in	in	ADP
faba-276	462	9	malaysia	malaysia	PROPN
faba-276	462	10	.	.	PUNCT
faba-276	463	1	international	international	ADJ
faba-276	463	2	journal	journal	PROPN
faba-276	463	3	of	of	ADP
faba-276	463	4	research	research	NOUN
faba-276	463	5	in	in	ADP
faba-276	463	6	commerce	commerce	NOUN
faba-276	463	7	and	and	CCONJ
faba-276	463	8	management	management	NOUN
faba-276	463	9	studies	study	NOUN
faba-276	463	10	,	,	PUNCT
faba-276	463	11	2(2	2(2	NUM
faba-276	463	12	):	):	PUNCT
faba-276	463	13	216	216	NUM
faba-276	463	14	-	-	SYM
faba-276	463	15	233	233	NUM
faba-276	463	16	.	.	PUNCT
faba-276	464	1	tian	tian	ADJ
faba-276	464	2	,	,	PUNCT
faba-276	464	3	y.	y.	PROPN
faba-276	464	4	,	,	PUNCT
faba-276	464	5	and	and	CCONJ
faba-276	464	6	k.	k.	PROPN
faba-276	464	7	y.	y.	PROPN
faba-276	464	8	chan	chan	PROPN
faba-276	464	9	.	.	PUNCT
faba-276	465	1	2024	2024	NUM
faba-276	465	2	.	.	PUNCT
faba-276	466	1	predictors	predictor	NOUN
faba-276	466	2	of	of	ADP
faba-276	466	3	mobile	mobile	ADJ
faba-276	466	4	payment	payment	NOUN
faba-276	466	5	use	use	NOUN
faba-276	466	6	applications	application	NOUN
faba-276	466	7	from	from	ADP
faba-276	466	8	the	the	DET
faba-276	466	9	extended	extend	VERB
faba-276	466	10	technology	technology	NOUN
faba-276	466	11	acceptance	acceptance	NOUN
faba-276	466	12	model	model	NOUN
faba-276	466	13	,	,	PUNCT
faba-276	466	14	does	do	VERB
faba-276	466	15	self	self	NOUN
faba-276	466	16	-	-	PUNCT
faba-276	466	17	efficacy	efficacy	NOUN
faba-276	466	18	and	and	CCONJ
faba-276	466	19	trust	trust	NOUN
faba-276	466	20	matter	matter	NOUN
faba-276	466	21	.	.	PUNCT
faba-276	467	1	sage	sage	VERB
faba-276	467	2	open	open	ADJ
faba-276	467	3	,	,	PUNCT
faba-276	467	4	14(4	14(4	NUM
faba-276	467	5	):	):	PUNCT
faba-276	467	6	1–15	1–15	NUM
faba-276	467	7	.	.	PUNCT
faba-276	468	1	https://doi.org/10.1177/21582440241292525	https://doi.org/10.1177/21582440241292525	PUNCT
faba-276	468	2	tiong	tiong	PROPN
faba-276	468	3	,	,	PUNCT
faba-276	468	4	w.	w.	PROPN
faba-276	468	5	n.	n.	PROPN
faba-276	468	6	2020	2020	NUM
faba-276	468	7	.	.	PUNCT
faba-276	469	1	factors	factor	NOUN
faba-276	469	2	influencing	influence	VERB
faba-276	469	3	behavioural	behavioural	ADJ
faba-276	469	4	intention	intention	NOUN
faba-276	469	5	towards	towards	ADP
faba-276	469	6	adoption	adoption	NOUN
faba-276	469	7	of	of	ADP
faba-276	469	8	digital	digital	ADJ
faba-276	469	9	banking	banking	NOUN
faba-276	469	10	services	service	NOUN
faba-276	469	11	in	in	ADP
faba-276	469	12	malaysia	malaysia	PROPN
faba-276	469	13	.	.	PUNCT
faba-276	470	1	international	international	ADJ
faba-276	470	2	journal	journal	PROPN
faba-276	470	3	of	of	ADP
faba-276	470	4	asian	asian	ADJ
faba-276	470	5	social	social	ADJ
faba-276	470	6	science	science	NOUN
faba-276	470	7	,	,	PUNCT
faba-276	470	8	10(8	10(8	NUM
faba-276	470	9	):	):	PUNCT
faba-276	470	10	450	450	NUM
faba-276	470	11	-	-	SYM
faba-276	470	12	457	457	NUM
faba-276	470	13	.	.	PUNCT
faba-276	471	1	http://dx.doi.org/10.18488/journal.1.2020.108.450.457	http://dx.doi.org/10.18488/journal.1.2020.108.450.457	PROPN
faba-276	471	2	trivedi	trivedi	PROPN
faba-276	471	3	,	,	PUNCT
faba-276	471	4	j.	j.	PROPN
faba-276	471	5	2016	2016	NUM
faba-276	471	6	.	.	PUNCT
faba-276	472	1	factors	factor	NOUN
faba-276	472	2	determining	determine	VERB
faba-276	472	3	the	the	DET
faba-276	472	4	acceptance	acceptance	NOUN
faba-276	472	5	of	of	ADP
faba-276	472	6	e	e	NOUN
faba-276	472	7	-	-	NOUN
faba-276	472	8	wallet	wallet	NOUN
faba-276	472	9	.	.	PUNCT
faba-276	473	1	international	international	ADJ
faba-276	473	2	journal	journal	NOUN
faba-276	473	3	of	of	ADP
faba-276	473	4	applied	apply	VERB
faba-276	473	5	marketing	marketing	NOUN
faba-276	473	6	,	,	PUNCT
faba-276	473	7	1(2	1(2	NUM
faba-276	473	8	):	):	PUNCT
faba-276	473	9	42	42	NUM
faba-276	473	10	-	-	SYM
faba-276	473	11	53	53	NUM
faba-276	473	12	.	.	PUNCT
faba-276	474	1	https://www.researchgate.net/publication/312198449	https://www.researchgate.net/publication/312198449	PROPN
faba-276	474	2	ventakesh	ventakesh	PROPN
faba-276	474	3	,	,	PUNCT
faba-276	474	4	v.	v.	PROPN
faba-276	474	5	and	and	CCONJ
faba-276	474	6	f.	f.	PROPN
faba-276	474	7	r.	r.	PROPN
faba-276	474	8	davis	davis	PROPN
faba-276	474	9	.	.	PUNCT
faba-276	475	1	2000	2000	NUM
faba-276	475	2	.	.	PUNCT
faba-276	476	1	a	a	DET
faba-276	476	2	theoretical	theoretical	ADJ
faba-276	476	3	extension	extension	NOUN
faba-276	476	4	of	of	ADP
faba-276	476	5	the	the	DET
faba-276	476	6	technology	technology	NOUN
faba-276	476	7	acceptance	acceptance	NOUN
faba-276	476	8	model	model	NOUN
faba-276	476	9	:	:	PUNCT
faba-276	476	10	four	four	NUM
faba-276	476	11	longitudinal	longitudinal	ADJ
faba-276	476	12	field	field	NOUN
faba-276	476	13	studies	study	NOUN
faba-276	476	14	.	.	PUNCT
faba-276	477	1	management	management	NOUN
faba-276	477	2	science	science	NOUN
faba-276	477	3	,	,	PUNCT
faba-276	477	4	46(2	46(2	NOUN
faba-276	477	5	):	):	PUNCT
faba-276	477	6	169	169	NUM
faba-276	477	7	-	-	SYM
faba-276	477	8	332	332	NUM
faba-276	477	9	.	.	PUNCT
faba-276	478	1	https://doi.org/10.1287/mnsc.46.2.186.11926	https://doi.org/10.1287/mnsc.46.2.186.11926	NOUN
faba-276	478	2	world	world	PROPN
faba-276	478	3	economic	economic	PROPN
faba-276	478	4	forum	forum	PROPN
faba-276	478	5	.	.	PUNCT
faba-276	479	1	may	may	AUX
faba-276	479	2	6	6	NUM
faba-276	479	3	,	,	PUNCT
faba-276	479	4	2020	2020	NUM
faba-276	479	5	.	.	PUNCT
faba-276	480	1	how	how	SCONJ
faba-276	480	2	digital	digital	ADJ
faba-276	480	3	payments	payment	NOUN
faba-276	480	4	can	can	AUX
faba-276	480	5	help	help	VERB
faba-276	480	6	countries	country	NOUN
faba-276	480	7	cope	cope	VERB
faba-276	480	8	with	with	ADP
faba-276	480	9	covid-19	covid-19	PROPN
faba-276	480	10	,	,	PUNCT
faba-276	480	11	other	other	ADJ
faba-276	480	12	pandemics	pandemic	NOUN
faba-276	480	13	:	:	PUNCT
faba-276	480	14	lessons	lesson	NOUN
faba-276	480	15	from	from	ADP
faba-276	480	16	china	china	PROPN
faba-276	480	17	.	.	PUNCT
faba-276	481	1	https://www.weforum.org/agenda/2020/05/digital-payments-cashand-covid-19-pandemics/	https://www.weforum.org/agenda/2020/05/digital-payments-cashand-covid-19-pandemics/	PROPN
faba-276	481	2	world	world	PROPN
faba-276	481	3	population	population	NOUN
faba-276	481	4	review	review	NOUN
faba-276	481	5	.	.	PUNCT
faba-276	482	1	2021	2021	NUM
faba-276	482	2	.	.	PUNCT
faba-276	483	1	malaysia	malaysia	ADJ
faba-276	483	2	population	population	NOUN
faba-276	483	3	2021	2021	NUM
faba-276	483	4	(	(	PUNCT
faba-276	483	5	live	live	ADJ
faba-276	483	6	)	)	PUNCT
faba-276	483	7	.	.	PUNCT
faba-276	484	1	https://worldpopulationreview.com/countries/malaysia-population	https://worldpopulationreview.com/countries/malaysia-population	NOUN
faba-276	484	2	yeow	yeow	PROPN
faba-276	484	3	,	,	PUNCT
faba-276	484	4	p.	p.	NOUN
faba-276	484	5	m.	m.	NOUN
faba-276	484	6	,	,	PUNCT
faba-276	484	7	k.	k.	PROPN
faba-276	484	8	haliyana	haliyana	PROPN
faba-276	484	9	,	,	PUNCT
faba-276	484	10	and	and	CCONJ
faba-276	484	11	d.	d.	PROPN
faba-276	484	12	nadarajah	nadarajah	PROPN
faba-276	484	13	.	.	PUNCT
faba-276	485	1	2017	2017	NUM
faba-276	485	2	.	.	PUNCT
faba-276	486	1	millennials	millennial	NOUN
faba-276	486	2	’	'	PUNCT
faba-276	486	3	perception	perception	NOUN
faba-276	486	4	on	on	ADP
faba-276	486	5	mobile	mobile	ADJ
faba-276	486	6	payment	payment	NOUN
faba-276	486	7	services	service	NOUN
faba-276	486	8	in	in	ADP
faba-276	486	9	malaysia	malaysia	PROPN
faba-276	486	10	.	.	PUNCT
faba-276	487	1	procedia	procedia	PROPN
faba-276	487	2	computer	computer	NOUN
faba-276	487	3	science	science	NOUN
faba-276	487	4	,	,	PUNCT
faba-276	487	5	124	124	NUM
faba-276	487	6	:	:	SYM
faba-276	487	7	397	397	NUM
faba-276	487	8	-	-	SYM
faba-276	487	9	404	404	NUM
faba-276	487	10	.	.	PUNCT
faba-276	488	1	https://doi.org/10.1016/j.procs.2017.12.170	https://doi.org/10.1016/j.procs.2017.12.170	PUNCT
faba-276	488	2	zahoor	zahoor	PROPN
faba-276	488	3	,	,	PUNCT
faba-276	488	4	u.	u.	PROPN
faba-276	488	5	r.	r.	PROPN
faba-276	488	6	,	,	PUNCT
faba-276	488	7	and	and	CCONJ
faba-276	488	8	a.	a.	PROPN
faba-276	488	9	s.	s.	PROPN
faba-276	488	10	fazal	fazal	PROPN
faba-276	488	11	.	.	PUNCT
faba-276	488	12	2020	2020	NUM
faba-276	488	13	.	.	PUNCT
faba-276	489	1	critical	critical	ADJ
faba-276	489	2	factors	factor	NOUN
faba-276	489	3	influencing	influence	VERB
faba-276	489	4	the	the	DET
faba-276	489	5	behavioral	behavioral	ADJ
faba-276	489	6	intention	intention	NOUN
faba-276	489	7	of	of	ADP
faba-276	489	8	consumers	consumer	NOUN
faba-276	489	9	towards	towards	ADP
faba-276	489	10	mobile	mobile	ADJ
faba-276	489	11	banking	banking	NOUN
faba-276	489	12	in	in	ADP
faba-276	489	13	malaysia	malaysia	PROPN
faba-276	489	14	.	.	PUNCT
faba-276	490	1	engineering	engineering	PROPN
faba-276	490	2	,	,	PUNCT
faba-276	490	3	technology	technology	NOUN
faba-276	490	4	&	&	CCONJ
faba-276	490	5	applied	apply	VERB
faba-276	490	6	science	science	NOUN
faba-276	490	7	research	research	NOUN
faba-276	490	8	,	,	PUNCT
faba-276	490	9	10(1	10(1	NUM
faba-276	490	10	):	):	PUNCT
faba-276	490	11	5265	5265	NUM
faba-276	490	12	-	-	SYM
faba-276	490	13	5269	5269	NUM
faba-276	490	14	.	.	PUNCT
faba-276	491	1	https://doi.org/10.48084/etasr.3320	https://doi.org/10.48084/etasr.3320	PROPN
faba-276	491	2	zhang	zhang	PROPN
faba-276	491	3	,	,	PUNCT
faba-276	491	4	t.	t.	PROPN
faba-276	491	5	,	,	PUNCT
faba-276	491	6	c.	c.	PROPN
faba-276	491	7	lu	lu	PROPN
faba-276	491	8	,	,	PUNCT
faba-276	491	9	and	and	CCONJ
faba-276	491	10	m.	m.	NOUN
faba-276	491	11	kizildag	kizildag	PROPN
faba-276	491	12	.	.	PUNCT
faba-276	492	1	2018	2018	NUM
faba-276	492	2	.	.	PUNCT
faba-276	493	1	banking	bank	VERB
faba-276	493	2	“	"	PUNCT
faba-276	493	3	on	on	ADP
faba-276	493	4	-	-	PUNCT
faba-276	493	5	the	the	DET
faba-276	493	6	-	-	PUNCT
faba-276	493	7	go	go	NOUN
faba-276	493	8	”	"	PUNCT
faba-276	493	9	:	:	PUNCT
faba-276	493	10	examining	examine	VERB
faba-276	493	11	consumers	consumer	NOUN
faba-276	493	12	’	’	PART
faba-276	493	13	adoption	adoption	NOUN
faba-276	493	14	of	of	ADP
faba-276	493	15	mobile	mobile	ADJ
faba-276	493	16	banking	banking	NOUN
faba-276	493	17	services	service	NOUN
faba-276	493	18	.	.	PUNCT
faba-276	494	1	international	international	ADJ
faba-276	494	2	journal	journal	NOUN
faba-276	494	3	of	of	ADP
faba-276	494	4	quality	quality	NOUN
faba-276	494	5	and	and	CCONJ
faba-276	494	6	service	service	NOUN
faba-276	494	7	sciences	science	NOUN
faba-276	494	8	,	,	PUNCT
faba-276	494	9	10(3	10(3	NUM
faba-276	494	10	):	):	PUNCT
faba-276	494	11	279	279	NUM
faba-276	494	12	-	-	SYM
faba-276	494	13	295	295	NUM
faba-276	494	14	.	.	PUNCT
faba-276	495	1	https://doi.org/10.1108/ijqss-07-2017-0067	https://doi.org/10.1108/ijqss-07-2017-0067	NOUN
faba-276	495	2	https://www.researchgate.net/publication/331501885	https://www.researchgate.net/publication/331501885	NOUN
faba-276	495	3	https://doi.org/10.1680/jenge.20.00054	https://doi.org/10.1680/jenge.20.00054	NOUN
faba-276	495	4	https://doi.org/10.1177/21582440241292525	https://doi.org/10.1177/21582440241292525	PRON
faba-276	495	5	http://dx.doi.org/10.18488/journal.1.2020.108.450.457	http://dx.doi.org/10.18488/journal.1.2020.108.450.457	VERB
faba-276	495	6	https://www.researchgate.net/publication/312198449	https://www.researchgate.net/publication/312198449	NOUN
faba-276	495	7	https://doi.org/10.1287/mnsc.46.2.186.11926	https://doi.org/10.1287/mnsc.46.2.186.11926	NOUN
faba-276	496	1	https://www.weforum.org/agenda/2020/05/digital-payments-cash-and-covid-19-pandemics/	https://www.weforum.org/agenda/2020/05/digital-payments-cash-and-covid-19-pandemics/	PROPN
faba-276	496	2	https://www.weforum.org/agenda/2020/05/digital-payments-cash-and-covid-19-pandemics/	https://www.weforum.org/agenda/2020/05/digital-payments-cash-and-covid-19-pandemics/	PROPN
faba-276	496	3	https://worldpopulationreview.com/countries/malaysia-population	https://worldpopulationreview.com/countries/malaysia-population	NOUN
faba-276	496	4	https://doi.org/10.1016/j.procs.2017.12.170	https://doi.org/10.1016/j.procs.2017.12.170	PUNCT
faba-276	496	5	https://doi.org/10.48084/etasr.3320	https://doi.org/10.48084/etasr.3320	NOUN
faba-276	496	6	https://doi.org/10.1108/ijqss-07-2017-0067	https://doi.org/10.1108/ijqss-07-2017-0067	NOUN