id	keyword
faba-276	mobile
faba-276	payment
faba-276	covid-19
faba-276	risk
faba-276	adoption
faba-276	intention
faba-276	study
faba-276	malaysia
faba-276	et al
faba-276	use
faba-276	banking
faba-276	peou
faba-276	variable
faba-276	research
faba-276	analysis
faba-276	technology
faba-276	model