id	sid	eid	entity	type
fsr-3451	1	1	mustafa nourallaha	PERSON
fsr-3451	1	2	christer strandberga	PERSON
fsr-3451	1	3	peter öhmana	PERSON
fsr-3451	1	4	mid sweden university	ORG
fsr-3451	1	5	70	CARDINAL
fsr-3451	1	6	sweden	GPE
fsr-3451	2	1	500	CARDINAL
fsr-3451	2	2	sweden	GPE
fsr-3451	2	3	146	CARDINAL
fsr-3451	6	1	2021	CARDINAL
fsr-3451	8	1	jel	ORG
fsr-3451	8	2	1	CARDINAL
fsr-3451	9	1	strandberg	GPE
fsr-3451	9	2	wahlberg, & öhman	ORG
fsr-3451	9	3	2015	DATE
fsr-3451	9	4	nicoletti	NORP
fsr-3451	9	5	2017	DATE
fsr-3451	10	1	ybcs	PERSON
fsr-3451	10	2	2015	DATE
fsr-3451	11	1	2010	DATE
fsr-3451	11	2	fintech	ORG
fsr-3451	12	1	gomber	PERSON
fsr-3451	12	2	kauffman	GPE
fsr-3451	12	3	parker	PERSON
fsr-3451	12	4	weber	DATE
fsr-3451	12	5	2018	DATE
fsr-3451	13	1	10 142	CARDINAL
fsr-3451	14	1	m. nourallah	PERSON
fsr-3451	14	2	1057-0810/21/$	CARDINAL
fsr-3451	14	3	2021	CARDINAL
fsr-3451	16	1	29	CARDINAL
fsr-3451	16	2	2021	CARDINAL
fsr-3451	16	3	147–167	CARDINAL
fsr-3451	16	4	google	ORG
fsr-3451	16	5	amazon	ORG
fsr-3451	18	1	koch, & siering	ORG
fsr-3451	18	2	2017	DATE
fsr-3451	18	3	540	CARDINAL
fsr-3451	19	1	one-fifth	CARDINAL
fsr-3451	19	2	2020	DATE
fsr-3451	19	3	rau, & röglinger, 2018	ORG
fsr-3451	21	1	mbas	ORG
fsr-3451	21	2	2019	DATE
fsr-3451	22	1	strandberg, & öhman	ORG
fsr-3451	22	2	2019	DATE
fsr-3451	23	1	one	CARDINAL
fsr-3451	23	2	sweden	GPE
fsr-3451	24	1	2018	DATE
fsr-3451	24	2	first	ORDINAL
fsr-3451	24	3	2019	DATE
fsr-3451	24	4	every month	DATE
fsr-3451	24	5	roughly 6,000	CARDINAL
fsr-3451	24	6	2019	DATE
fsr-3451	26	1	kandampully	ORG
fsr-3451	26	2	zhang	PERSON
fsr-3451	27	1	tam	ORG
fsr-3451	27	2	oliveira	GPE
fsr-3451	27	3	2017	CARDINAL
fsr-3451	27	4	1060	CARDINAL
fsr-3451	28	1	larsson	PERSON
fsr-3451	28	2	2017	CARDINAL
fsr-3451	29	1	chakraborty	ORG
fsr-3451	29	2	2013	DATE
fsr-3451	30	1	2016	CARDINAL
fsr-3451	31	1	mbas	ORG
fsr-3451	32	1	three	CARDINAL
fsr-3451	32	2	four	CARDINAL
fsr-3451	32	3	section five	LAW
fsr-3451	33	1	2	CARDINAL
fsr-3451	33	2	2.1	CARDINAL
fsr-3451	34	1	2.1.1	CARDINAL
fsr-3451	35	1	karjaluoto	PERSON
fsr-3451	35	2	2019	DATE
fsr-3451	36	1	first	ORDINAL
fsr-3451	36	2	two	CARDINAL
fsr-3451	36	3	148	CARDINAL
fsr-3451	36	4	m. nourallah et al	PERSON
fsr-3451	36	5	29	CARDINAL
fsr-3451	36	6	2021	CARDINAL
fsr-3451	37	1	147–167	CARDINAL
fsr-3451	37	2	sweden	GPE
fsr-3451	38	1	third	ORDINAL
fsr-3451	39	1	africa	LOC
fsr-3451	39	2	ansar, & hess	ORG
fsr-3451	39	3	2018	DATE
fsr-3451	40	1	shaikh	PERSON
fsr-3451	40	2	karjaluoto	PERSON
fsr-3451	40	3	2019	DATE
fsr-3451	41	1	fintech	ORG
fsr-3451	42	1	shaikh	PERSON
fsr-3451	42	2	karjaluoto	PERSON
fsr-3451	42	3	2019	DATE
fsr-3451	43	1	wap	ORG
fsr-3451	44	1	wap	ORG
fsr-3451	46	1	15	CARDINAL
fsr-3451	46	2	german	NORP
fsr-3451	46	3	scornavacca & hoehle	ORG
fsr-3451	46	4	2007).1	CARDINAL
fsr-3451	46	5	south korea	GPE
fsr-3451	46	6	only 4%	PERCENT
fsr-3451	46	7	lee	PERSON
fsr-3451	46	8	park	GPE
fsr-3451	46	9	chung	GPE
fsr-3451	46	10	blakeney	ORG
fsr-3451	46	11	2012	DATE
fsr-3451	47	1	2003	DATE
fsr-3451	48	1	less than 1%	PERCENT
fsr-3451	48	2	taiwan	GPE
fsr-3451	48	3	luarn & lin, 2005	ORG
fsr-3451	48	4	874	CARDINAL
fsr-3451	49	1	finland	GPE
fsr-3451	49	2	suoranta & mattila	ORG
fsr-3451	49	3	2004	DATE
fsr-3451	49	4	china (laforet & li	ORG
fsr-3451	49	5	2005	DATE
fsr-3451	49	6	the united states	GPE
fsr-3451	49	7	mallat	GPE
fsr-3451	49	8	2004	DATE
fsr-3451	50	1	koenig-lewis	PERSON
fsr-3451	50	2	2010	DATE
fsr-3451	50	3	mohammadi	PERSON
fsr-3451	50	4	2015	DATE
fsr-3451	50	5	shaikh & karjaluoto	ORG
fsr-3451	50	6	2015	DATE
fsr-3451	51	1	laukkanen	ORG
fsr-3451	51	2	2007	DATE
fsr-3451	51	3	lee & chung	ORG
fsr-3451	51	4	2009	DATE
fsr-3451	52	1	2007	DATE
fsr-3451	52	2	first	ORDINAL
fsr-3451	52	3	shaikh & karjaluoto	ORG
fsr-3451	52	4	daily	DATE
fsr-3451	52	5	soto-fuentes	PERSON
fsr-3451	52	6	valderrama-palma	PERSON
fsr-3451	52	7	2017	DATE
fsr-3451	52	8	tan & lau	ORG
fsr-3451	52	9	2016	DATE
fsr-3451	53	1	lu	NORP
fsr-3451	53	2	tzeng	GPE
fsr-3451	53	3	cheng	GPE
fsr-3451	53	4	2015	DATE
fsr-3451	53	5	shaikh & karjaluoto	ORG
fsr-3451	53	6	2015	DATE
fsr-3451	53	7	wang, & wang	ORG
fsr-3451	53	8	2015	DATE
fsr-3451	54	1	2.1.2	CARDINAL
fsr-3451	54	2	yeh	GPE
fsr-3451	54	3	wang, & yieh	ORG
fsr-3451	54	4	2016	DATE
fsr-3451	54	5	killins	ORG
fsr-3451	54	6	2017	DATE
fsr-3451	55	1	m. nourallah et al	PERSON
fsr-3451	56	1	29	CARDINAL
fsr-3451	56	2	2021	CARDINAL
fsr-3451	57	1	147–167 149	CARDINAL
fsr-3451	57	2	kaur & medury	ORG
fsr-3451	57	3	2011	DATE
fsr-3451	58	1	tan & lau	ORG
fsr-3451	58	2	2016	DATE
fsr-3451	59	1	aydin & akben	ORG
fsr-3451	59	2	2019	DATE
fsr-3451	60	1	gimpel et al.	PERSON
fsr-3451	60	2	2018	DATE
fsr-3451	61	1	2017	DATE
fsr-3451	62	1	2010	DATE
fsr-3451	63	1	tan & lau	ORG
fsr-3451	63	2	2016	DATE
fsr-3451	63	3	koenig-lewis et al.	PERSON
fsr-3451	63	4	2010	DATE
fsr-3451	63	5	2017	DATE
fsr-3451	65	1	calisir	PERSON
fsr-3451	65	2	2008	DATE
fsr-3451	65	3	18–26-year age	DATE
fsr-3451	65	4	ngai	PERSON
fsr-3451	65	5	2010) 16–29 years	DATE
fsr-3451	65	6	tezcan	NORP
fsr-3451	65	7	2012	DATE
fsr-3451	65	8	16–25 years	DATE
fsr-3451	66	1	18–29 years	DATE
fsr-3451	66	2	first	ORDINAL
fsr-3451	66	3	sweden	GPE
fsr-3451	66	4	the highest year	DATE
fsr-3451	66	5	three	CARDINAL
fsr-3451	67	1	2.2	CARDINAL
fsr-3451	68	1	2.2.1	CARDINAL
fsr-3451	69	1	shaikh & karjaluoto	ORG
fsr-3451	69	2	2019	DATE
fsr-3451	70	1	broderick & vachirapornpuk	ORG
fsr-3451	70	2	2002	DATE
fsr-3451	70	3	sampaio	ORG
fsr-3451	70	4	ladeira, & santini	ORG
fsr-3451	70	5	2017	DATE
fsr-3451	70	6	larsson & viitaoja	ORG
fsr-3451	70	7	2017	DATE
fsr-3451	71	1	yahia, & hannachi	ORG
fsr-3451	71	2	2017	DATE
fsr-3451	71	3	behboudi	PERSON
fsr-3451	71	4	koshksaray, & tabar	ORG
fsr-3451	71	5	2014	DATE
fsr-3451	72	1	goel	PERSON
fsr-3451	72	2	2015	DATE
fsr-3451	73	1	mohammadi	PERSON
fsr-3451	73	2	2015	DATE
fsr-3451	74	1	1998	DATE
fsr-3451	75	1	kang	PERSON
fsr-3451	75	2	lee	PERSON
fsr-3451	75	3	lee	PERSON
fsr-3451	75	4	2012	DATE
fsr-3451	76	1	guinalı́u	GPE
fsr-3451	76	2	2007, 2008	DATE
fsr-3451	76	3	flavian	NORP
fsr-3451	76	4	guinalı́u	GPE
fsr-3451	76	5	2006	DATE
fsr-3451	77	1	amin	GPE
fsr-3451	77	2	2016	DATE
fsr-3451	78	1	150	CARDINAL
fsr-3451	78	2	m. nourallah et al	PERSON
fsr-3451	78	3	29	CARDINAL
fsr-3451	78	4	2021	CARDINAL
fsr-3451	78	5	147–167	CARDINAL
fsr-3451	78	6	lin & wang	ORG
fsr-3451	78	7	2006	DATE
fsr-3451	78	8	272	CARDINAL
fsr-3451	78	9	amin	GPE
fsr-3451	78	10	2016	DATE
fsr-3451	79	1	zeithaml, & berry	ORG
fsr-3451	79	2	1988	DATE
fsr-3451	79	3	five	CARDINAL
fsr-3451	80	1	three	CARDINAL
fsr-3451	81	1	parasuraman et al	PERSON
fsr-3451	82	1	1998	DATE
fsr-3451	82	2	23	CARDINAL
fsr-3451	84	1	oliveira	PERSON
fsr-3451	84	2	thomas	PERSON
fsr-3451	84	3	baptista, & campos	ORG
fsr-3451	84	4	2016	DATE
fsr-3451	84	5	hauff	GPE
fsr-3451	84	6	johansson, & holmen	ORG
fsr-3451	84	7	2018	DATE
fsr-3451	85	1	al.	PERSON
fsr-3451	85	2	1988	DATE
fsr-3451	85	3	two	CARDINAL
fsr-3451	85	4	2016	DATE
fsr-3451	86	1	al.	PERSON
fsr-3451	86	2	1988	DATE
fsr-3451	86	3	23	CARDINAL
fsr-3451	88	1	2.2.2	CARDINAL
fsr-3451	92	1	h4	ORG
fsr-3451	93	1	three	CARDINAL
fsr-3451	93	2	h6	ORG
fsr-3451	93	3	h7	PRODUCT
fsr-3451	93	4	h8	ORG
fsr-3451	94	1	eight	CARDINAL
fsr-3451	95	1	2007	DATE
fsr-3451	95	2	2008	DATE
fsr-3451	95	3	flavian	NORP
fsr-3451	95	4	2006	DATE
fsr-3451	96	1	calisir & gumussoy	ORG
fsr-3451	96	2	2008	DATE
fsr-3451	96	3	2016	DATE
fsr-3451	96	4	hussien & aziz	ORG
fsr-3451	96	5	2013	DATE
fsr-3451	96	6	laukkanen	ORG
fsr-3451	96	7	2007	DATE
fsr-3451	97	1	2015	DATE
fsr-3451	98	1	1	CARDINAL
fsr-3451	99	1	nielsen	NORP
fsr-3451	99	2	1994	DATE
fsr-3451	99	3	bhattacherjee	GPE
fsr-3451	99	4	2001	DATE
fsr-3451	100	1	hoehle & venkatesh	ORG
fsr-3451	100	2	2015	DATE
fsr-3451	101	1	m. nourallah et al	PERSON
fsr-3451	101	2	29	CARDINAL
fsr-3451	101	3	2021	CARDINAL
fsr-3451	101	4	147–167 151	CARDINAL
fsr-3451	101	5	2008	DATE
fsr-3451	101	6	flavian	NORP
fsr-3451	101	7	2006	DATE
fsr-3451	101	8	hussien & aziz	ORG
fsr-3451	101	9	2013	DATE
fsr-3451	102	1	thakur	PERSON
fsr-3451	102	2	2014	DATE
fsr-3451	102	3	india	GPE
fsr-3451	103	1	2	CARDINAL
fsr-3451	104	1	lee & kozar	ORG
fsr-3451	104	2	2012	DATE
fsr-3451	104	3	davis	ORG
fsr-3451	104	4	1989	DATE
fsr-3451	104	5	nielsen	NORP
fsr-3451	104	6	1994	DATE
fsr-3451	104	7	sanchez-franco & rondan-cataluña	ORG
fsr-3451	104	8	2010	DATE
fsr-3451	105	1	flavian	NORP
fsr-3451	105	2	2006	DATE
fsr-3451	106	1	2015	DATE
fsr-3451	107	1	benlian & hess	ORG
fsr-3451	107	2	2011	DATE
fsr-3451	108	1	3	CARDINAL
fsr-3451	109	1	2015	DATE
fsr-3451	109	2	2016	DATE
fsr-3451	111	1	2015	DATE
fsr-3451	111	2	saleem	NORP
fsr-3451	111	3	zahra	PERSON
fsr-3451	111	4	ahmad	PERSON
fsr-3451	111	5	ismail	PERSON
fsr-3451	111	6	2016	DATE
fsr-3451	111	7	kassim & asiah abdullah	ORG
fsr-3451	111	8	2010	DATE
fsr-3451	111	9	munusamy	ORG
fsr-3451	111	10	chelliah, & mun	ORG
fsr-3451	111	11	2010	DATE
fsr-3451	112	1	4	CARDINAL
fsr-3451	113	1	falk	ORG
fsr-3451	113	2	2006	DATE
fsr-3451	114	1	arvidsson	GPE
fsr-3451	114	2	2014	DATE
fsr-3451	115	1	calisir	PERSON
fsr-3451	115	2	2008	DATE
fsr-3451	116	1	2015	CARDINAL
fsr-3451	118	1	2010	DATE
fsr-3451	118	2	malaysia	GPE
fsr-3451	119	1	1	CARDINAL
fsr-3451	120	1	152	CARDINAL
fsr-3451	120	2	m. nourallah et al	PERSON
fsr-3451	120	3	29	CARDINAL
fsr-3451	120	4	2021	CARDINAL
fsr-3451	120	5	147–167	CARDINAL
fsr-3451	120	6	hilmi	PERSON
fsr-3451	120	7	2011	DATE
fsr-3451	120	8	malaysian	NORP
fsr-3451	121	1	5	CARDINAL
fsr-3451	122	1	anderson, & ponnavolu	ORG
fsr-3451	122	2	2002	DATE
fsr-3451	123	1	2005	DATE
fsr-3451	123	2	awwad & awad neimat	ORG
fsr-3451	123	3	2010	DATE
fsr-3451	124	1	marimon, yaya,	ORG
fsr-3451	124	2	casadesus fa	PERSON
fsr-3451	124	3	2012	DATE
fsr-3451	124	4	moorthy	PERSON
fsr-3451	124	5	ying	PERSON
fsr-3451	124	6	& wei	PERSON
fsr-3451	124	7	2017	DATE
fsr-3451	125	1	lin	PERSON
fsr-3451	125	2	2012	DATE
fsr-3451	126	1	6	CARDINAL
fsr-3451	126	2	h6	ORG
fsr-3451	127	1	santouridis & trivellas	ORG
fsr-3451	127	2	2010	DATE
fsr-3451	128	1	1992	DATE
fsr-3451	128	2	strandberg	GPE
fsr-3451	128	3	wahlberg, & öhman	ORG
fsr-3451	128	4	2012	DATE
fsr-3451	129	1	lin & wang	ORG
fsr-3451	129	2	2006	DATE
fsr-3451	129	3	liébana	GPE
fsr-3451	129	4	al.	PERSON
fsr-3451	129	5	2017	DATE
fsr-3451	129	6	thakur	GPE
fsr-3451	129	7	2014	DATE
fsr-3451	130	1	fornell	CARDINAL
fsr-3451	130	2	1992	DATE
fsr-3451	130	3	7	CARDINAL
fsr-3451	131	1	7	CARDINAL
fsr-3451	131	2	h7	PRODUCT
fsr-3451	132	1	jun & palacios	ORG
fsr-3451	132	2	2016	DATE
fsr-3451	133	1	karatepe	ORG
fsr-3451	133	2	2011	DATE
fsr-3451	135	1	ho	PERSON
fsr-3451	135	2	lee	PERSON
fsr-3451	135	3	2007	DATE
fsr-3451	135	4	moorthy et al	PERSON
fsr-3451	136	1	2017	CARDINAL
fsr-3451	137	1	lin	PERSON
fsr-3451	137	2	2012	DATE
fsr-3451	138	1	zhou	PERSON
fsr-3451	138	2	lu	PERSON
fsr-3451	138	3	wang	PERSON
fsr-3451	138	4	2010	DATE
fsr-3451	139	1	8	CARDINAL
fsr-3451	139	2	h8	ORG
fsr-3451	140	1	3	CARDINAL
fsr-3451	140	2	3.1	CARDINAL
fsr-3451	142	1	m. nourallah et al	PERSON
fsr-3451	142	2	29	CARDINAL
fsr-3451	142	3	2021	CARDINAL
fsr-3451	142	4	147–167 153	CARDINAL
fsr-3451	143	1	2008	DATE
fsr-3451	144	1	1–3	CARDINAL
fsr-3451	144	2	1–3	CARDINAL
fsr-3451	144	3	lin	PERSON
fsr-3451	144	4	2013	DATE
fsr-3451	145	1	aydin	PERSON
fsr-3451	145	2	2005	DATE
fsr-3451	145	3	yoon	PERSON
fsr-3451	145	4	2010	DATE
fsr-3451	145	5	chaudhuri	ORG
fsr-3451	145	6	holbrook	GPE
fsr-3451	145	7	2001	DATE
fsr-3451	145	8	wirtz	ORG
fsr-3451	145	9	lwin	GPE
fsr-3451	145	10	2007	DATE
fsr-3451	146	1	two	CARDINAL
fsr-3451	146	2	four	CARDINAL
fsr-3451	146	3	five	CARDINAL
fsr-3451	147	1	18–29 years	DATE
fsr-3451	147	2	at least one year’s	DATE
fsr-3451	147	3	sweden	GPE
fsr-3451	150	1	brislin	PERSON
fsr-3451	150	2	1970	DATE
fsr-3451	151	1	two	CARDINAL
fsr-3451	152	1	seven	CARDINAL
fsr-3451	152	2	7	CARDINAL
fsr-3451	154	1	3.2	CARDINAL
fsr-3451	154	2	500	CARDINAL
fsr-3451	154	3	late 2018	DATE
fsr-3451	155	1	18–29years	DATE
fsr-3451	157	1	at least one year	DATE
fsr-3451	157	2	swedish	NORP
fsr-3451	158	1	strandberg et al.	PERSON
fsr-3451	158	2	2012	DATE
fsr-3451	160	1	grinyer	ORG
fsr-3451	160	2	2009	DATE
fsr-3451	163	1	eu	ORG
fsr-3451	164	1	129	CARDINAL
fsr-3451	164	2	two	CARDINAL
fsr-3451	164	3	146	CARDINAL
fsr-3451	164	4	29.2%	PERCENT
fsr-3451	165	1	2004	DATE
fsr-3451	165	2	first	ORDINAL
fsr-3451	165	3	two	CARDINAL
fsr-3451	167	1	cfa	ORG
fsr-3451	168	1	babin, & anderson	ORG
fsr-3451	168	2	2014	DATE
fsr-3451	169	1	cfa	ORG
fsr-3451	170	1	154	CARDINAL
fsr-3451	170	2	m. nourallah et al	PERSON
fsr-3451	170	3	29	CARDINAL
fsr-3451	170	4	2021	CARDINAL
fsr-3451	171	1	147–167	CARDINAL
fsr-3451	172	1	cfa	PERSON
fsr-3451	173	1	4	CARDINAL
fsr-3451	173	2	4.1	CARDINAL
fsr-3451	174	1	appendix	NORP
fsr-3451	175	1	18–23 years of age	DATE
fsr-3451	176	1	more than three	CARDINAL
fsr-3451	177	1	two or more years	DATE
fsr-3451	177	2	almost half	CARDINAL
fsr-3451	178	1	4.2	CARDINAL
fsr-3451	179	1	kaiser-meyer	PERSON
fsr-3451	179	2	1996	DATE
fsr-3451	179	3	harmon	PERSON
fsr-3451	180	1	podsakoff	PERSON
fsr-3451	180	2	mackenzie	LOC
fsr-3451	180	3	lee, & podsakoff	ORG
fsr-3451	180	4	2003	DATE
fsr-3451	181	1	0.809	CARDINAL
fsr-3451	181	2	0.8	CARDINAL
fsr-3451	182	1	harmon	PERSON
fsr-3451	182	2	4.3	CARDINAL
fsr-3451	184	1	lisrel 9.30	DATE
fsr-3451	185	1	jöreskog & sörbom	ORG
fsr-3451	185	2	1993	DATE
fsr-3451	186	1	three	CARDINAL
fsr-3451	186	2	3	CARDINAL
fsr-3451	188	1	2	CARDINAL
fsr-3451	189	1	55.07	CARDINAL
fsr-3451	189	2	44 degrees	QUANTITY
fsr-3451	190	1	1.25	CARDINAL
fsr-3451	190	2	2	CARDINAL
fsr-3451	191	1	jöreskog	GPE
fsr-3451	191	2	olsson, & wallentin	ORG
fsr-3451	191	3	2016	DATE
fsr-3451	192	1	0.0428	CARDINAL
fsr-3451	192	2	0.8	CARDINAL
fsr-3451	193	1	1988	DATE
fsr-3451	194	1	normed	ORG
fsr-3451	194	2	0.9	CARDINAL
fsr-3451	195	1	jöreskog et al	PERSON
fsr-3451	195	2	2016	DATE
fsr-3451	196	1	1	CARDINAL
fsr-3451	197	1	cfa	PERSON
fsr-3451	198	1	two	CARDINAL
fsr-3451	198	2	1	CARDINAL
fsr-3451	198	3	m. nourallah et al	PERSON
fsr-3451	199	1	29	CARDINAL
fsr-3451	199	2	2021	CARDINAL
fsr-3451	200	1	147–167 155	CARDINAL
fsr-3451	200	2	2	CARDINAL
fsr-3451	200	3	2014	DATE
fsr-3451	201	1	li	PERSON
fsr-3451	202	1	1	CARDINAL
fsr-3451	203	1	2	CARDINAL
fsr-3451	203	2	higher than 0.5	CARDINAL
fsr-3451	203	3	usa 1	DATE
fsr-3451	203	4	1	CARDINAL
fsr-3451	204	1	2	CARDINAL
fsr-3451	204	2	0.6	CARDINAL
fsr-3451	206	1	2	CARDINAL
fsr-3451	208	1	55.07	CARDINAL
fsr-3451	208	2	0.12243	CARDINAL
fsr-3451	208	3	0.042	CARDINAL
fsr-3451	209	1	156	CARDINAL
fsr-3451	209	2	m. nourallah et al	PERSON
fsr-3451	209	3	29	CARDINAL
fsr-3451	209	4	2021	CARDINAL
fsr-3451	209	5	147–167 cr	MONEY
fsr-3451	209	6	1	CARDINAL
fsr-3451	211	1	2	CARDINAL
fsr-3451	211	2	2	CARDINAL
fsr-3451	211	3	2	CARDINAL
fsr-3451	211	4	0.5	CARDINAL
fsr-3451	211	5	0.6	CARDINAL
fsr-3451	212	1	2014	DATE
fsr-3451	214	1	62	CARDINAL
fsr-3451	215	1	hansen	PERSON
fsr-3451	215	2	2013	DATE
fsr-3451	216	1	more than 1 or less	CARDINAL
fsr-3451	216	2	1	CARDINAL
fsr-3451	218	1	jöreskog et al	PERSON
fsr-3451	218	2	2016	DATE
fsr-3451	219	1	fornell & larcker	ORG
fsr-3451	219	2	1981	DATE
fsr-3451	220	1	1988	DATE
fsr-3451	220	2	2014	DATE
fsr-3451	221	1	fornell & larcker	ORG
fsr-3451	221	2	1981	DATE
fsr-3451	222	1	4.4	CARDINAL
fsr-3451	225	1	jöreskog et al	PERSON
fsr-3451	225	2	2016	DATE
fsr-3451	226	1	five	CARDINAL
fsr-3451	226	2	three	CARDINAL
fsr-3451	227	1	1	CARDINAL
fsr-3451	227	2	1.25	CARDINAL
fsr-3451	227	3	0.042	CARDINAL
fsr-3451	227	4	0.942	CARDINAL
fsr-3451	227	5	normed	ORG
fsr-3451	227	6	0.943	CARDINAL
fsr-3451	227	7	nnfi	ORG
fsr-3451	227	8	0.978	CARDINAL
fsr-3451	227	9	0.986	CARDINAL
fsr-3451	227	10	m. nourallah et al	PERSON
fsr-3451	227	11	29	CARDINAL
fsr-3451	227	12	2021	CARDINAL
fsr-3451	228	1	147–167 157	CARDINAL
fsr-3451	228	2	3	CARDINAL
fsr-3451	229	1	h6	ORG
fsr-3451	229	2	h7	PRODUCT
fsr-3451	231	1	3	CARDINAL
fsr-3451	233	1	h4	ORG
fsr-3451	234	1	2	CARDINAL
fsr-3451	234	2	smc	GPE
fsr-3451	234	3	ave	GPE
fsr-3451	234	4	smc ave	ORG
fsr-3451	234	5	0.84	CARDINAL
fsr-3451	234	6	0.78	CARDINAL
fsr-3451	234	7	0.68	CARDINAL
fsr-3451	234	8	1 0.66 8.20 0.44 0.74 0.85	QUANTITY
fsr-3451	234	9	2 0.74 9.43 0.55	QUANTITY
fsr-3451	234	10	3	CARDINAL
fsr-3451	234	11	0.78 10.15 0.62	QUANTITY
fsr-3451	234	12	1 0.84	CARDINAL
fsr-3451	234	13	2 0.82	CARDINAL
fsr-3451	234	14	0.63	CARDINAL
fsr-3451	234	15	1 0.92	CARDINAL
fsr-3451	234	16	0.84 0.53 0.77	QUANTITY
fsr-3451	234	17	2	CARDINAL
fsr-3451	234	18	0.64	CARDINAL
fsr-3451	234	19	1 0.72 8.22 0.51	QUANTITY
fsr-3451	234	20	2	CARDINAL
fsr-3451	236	1	3	CARDINAL
fsr-3451	237	1	0.70 6.26	CARDINAL
fsr-3451	238	1	0.49 3.22	CARDINAL
fsr-3451	239	1	0.58 6.49	CARDINAL
fsr-3451	240	1	0.13 0.98	CARDINAL
fsr-3451	241	1	0.16 1.57	CARDINAL
fsr-3451	241	2	h6	ORG
fsr-3451	242	1	0.44 3.27	CARDINAL
fsr-3451	242	2	h7	PRODUCT
fsr-3451	243	1	0.37 2.77	CARDINAL
fsr-3451	244	1	0.37 0.28	CARDINAL
fsr-3451	244	2	1.21	CARDINAL
fsr-3451	244	3	0.038	CARDINAL
fsr-3451	244	4	0.942	CARDINAL
fsr-3451	244	5	0.933	CARDINAL
fsr-3451	244	6	nnfi	PERSON
fsr-3451	244	7	0.982	CARDINAL
fsr-3451	244	8	cfi	PERSON
fsr-3451	244	9	0.987	CARDINAL
fsr-3451	244	10	nnfi = non-normed	PERSON
fsr-3451	245	1	0.01	CARDINAL
fsr-3451	246	1	158	CARDINAL
fsr-3451	246	2	m. nourallah et al	PERSON
fsr-3451	246	3	29	CARDINAL
fsr-3451	246	4	2021	CARDINAL
fsr-3451	246	5	147–167 5	DATE
fsr-3451	246	6	5.1	CARDINAL
fsr-3451	247	1	mbas	ORG
fsr-3451	250	1	2008	DATE
fsr-3451	251	1	2006	DATE
fsr-3451	253	1	kassim	NORP
fsr-3451	253	2	asiah abdullah	PERSON
fsr-3451	253	3	2010	DATE
fsr-3451	254	1	2010	DATE
fsr-3451	255	1	fornell	CARDINAL
fsr-3451	255	2	1992	DATE
fsr-3451	255	3	7	CARDINAL
fsr-3451	257	1	arvidsson	GPE
fsr-3451	257	2	2014	DATE
fsr-3451	257	3	bauer et al.	PERSON
fsr-3451	257	4	2006	DATE
fsr-3451	257	5	calisir & gumussoy	ORG
fsr-3451	257	6	2008	DATE
fsr-3451	257	7	2015	DATE
fsr-3451	259	1	2010	DATE
fsr-3451	259	2	hilmi	PERSON
fsr-3451	259	3	2011	DATE
fsr-3451	261	1	al.	PERSON
fsr-3451	261	2	2010	DATE
fsr-3451	262	1	lin	PERSON
fsr-3451	262	2	2012	DATE
fsr-3451	263	1	two	CARDINAL
fsr-3451	266	1	2018	DATE
fsr-3451	266	2	2015	DATE
fsr-3451	268	1	3	CARDINAL
fsr-3451	269	1	m. nourallah et al	PERSON
fsr-3451	270	1	29	CARDINAL
fsr-3451	270	2	2021	CARDINAL
fsr-3451	270	3	147–167 159	CARDINAL
fsr-3451	270	4	nicoletti	NORP
fsr-3451	270	5	2017	DATE
fsr-3451	272	1	5.2	CARDINAL
fsr-3451	274	1	kassim & asiah abdullah	ORG
fsr-3451	274	2	2010	DATE
fsr-3451	274	3	santouridis & trivellas	ORG
fsr-3451	274	4	2010	DATE
fsr-3451	274	5	today	DATE
fsr-3451	277	1	fintech	ORG
fsr-3451	278	1	2015	DATE
fsr-3451	279	1	2007, 2008	DATE
fsr-3451	280	1	2006	DATE
fsr-3451	282	1	2017	DATE
fsr-3451	283	1	three	CARDINAL
fsr-3451	283	2	1	CARDINAL
fsr-3451	283	3	first	ORDINAL
fsr-3451	283	4	2	CARDINAL
fsr-3451	283	5	3	CARDINAL
fsr-3451	287	1	5.3	CARDINAL
fsr-3451	290	1	sharma & sidhu	ORG
fsr-3451	290	2	2001	DATE
fsr-3451	292	1	160	CARDINAL
fsr-3451	292	2	m. nourallah et al	PERSON
fsr-3451	292	3	29	CARDINAL
fsr-3451	292	4	2021	CARDINAL
fsr-3451	292	5	147–167	CARDINAL
fsr-3451	293	1	2015	DATE
fsr-3451	296	1	1	CARDINAL
fsr-3451	296	2	four	CARDINAL
fsr-3451	296	3	deutsche bank	ORG
fsr-3451	296	4	dresdner bank	ORG
fsr-3451	296	5	hypoverein bank	ORG
fsr-3451	296	6	commerzbank	ORG
fsr-3451	296	7	2	CARDINAL
fsr-3451	296	8	more than one	CARDINAL
fsr-3451	297	1	m. nourallah et	PERSON
fsr-3451	298	1	29	CARDINAL
fsr-3451	298	2	2021	CARDINAL
fsr-3451	298	3	147–167 161	CARDINAL
fsr-3451	298	4	appendix	NORP
fsr-3451	298	5	age 18–23 years	DATE
fsr-3451	298	6	71.9%	PERCENT
fsr-3451	298	7	71.9%	PERCENT
fsr-3451	298	8	24–29 years	DATE
fsr-3451	298	9	28.1%	PERCENT
fsr-3451	298	10	100%	PERCENT
fsr-3451	298	11	146 100%	PERCENT
fsr-3451	298	12	63 43.1%	PERCENT
fsr-3451	298	13	43.1%	PERCENT
fsr-3451	298	14	81 55.5%	PERCENT
fsr-3451	298	15	98.6%	PERCENT
fsr-3451	298	16	2 1.4%	PERCENT
fsr-3451	298	17	100%	PERCENT
fsr-3451	298	18	146 100%	PERCENT
fsr-3451	299	1	1 55 37.7%	PERCENT
fsr-3451	299	2	37.7%	PERCENT
fsr-3451	299	3	28.7%	PERCENT
fsr-3451	299	4	66.4%	PERCENT
fsr-3451	299	5	3 40 27.4%	PERCENT
fsr-3451	299	6	93.8%	PERCENT
fsr-3451	299	7	4 or more	DATE
fsr-3451	299	8	9 6.2%	PERCENT
fsr-3451	299	9	100%	PERCENT
fsr-3451	299	10	146 100%	PERCENT
fsr-3451	299	11	1 year	DATE
fsr-3451	299	12	under 2 years	DATE
fsr-3451	299	13	9.6%	PERCENT
fsr-3451	299	14	9.6%	PERCENT
fsr-3451	299	15	2 years	DATE
fsr-3451	299	16	under 3 years 33 22	DATE
fsr-3451	300	1	6%	PERCENT
fsr-3451	300	2	32.2%	PERCENT
fsr-3451	300	3	3 years	DATE
fsr-3451	300	4	under 4 years	DATE
fsr-3451	300	5	23.9%	PERCENT
fsr-3451	300	6	56.1%	PERCENT
fsr-3451	300	7	4 years or more	DATE
fsr-3451	300	8	64 43.9%	PERCENT
fsr-3451	300	9	100%	PERCENT
fsr-3451	300	10	146 100%	PERCENT
fsr-3451	301	1	loyalty2	GPE
fsr-3451	301	2	first	ORDINAL
fsr-3451	303	1	2008) usa 2	DATE
fsr-3451	307	1	1	CARDINAL
fsr-3451	308	1	lin	PERSON
fsr-3451	308	2	2013	DATE
fsr-3451	308	3	hwang	PERSON
fsr-3451	308	4	2019	DATE
fsr-3451	308	5	2	CARDINAL
fsr-3451	309	1	3	CARDINAL
fsr-3451	310	1	1	CARDINAL
fsr-3451	311	1	aydin	PERSON
fsr-3451	311	2	2005)sat 2	CARDINAL
fsr-3451	312	1	1	CARDINAL
fsr-3451	313	1	lin	PERSON
fsr-3451	313	2	2013	DATE
fsr-3451	313	3	2	CARDINAL
fsr-3451	314	1	3	CARDINAL
fsr-3451	316	1	loy 1	PERSON
fsr-3451	318	1	chaudhuri	ORG
fsr-3451	318	2	holbrook	GPE
fsr-3451	318	3	2001	DATE
fsr-3451	319	1	loy 2	PERSON
fsr-3451	319	2	mba	ORG
fsr-3451	320	1	wirtz	ORG
fsr-3451	321	1	2007	DATE
fsr-3451	322	1	162	CARDINAL
fsr-3451	322	2	m. nourallah et al	PERSON
fsr-3451	322	3	29	CARDINAL
fsr-3451	322	4	2021	CARDINAL
fsr-3451	322	5	147–167	CARDINAL
fsr-3451	322	6	10th	ORDINAL
fsr-3451	322	7	nord2018	GPE
fsr-3451	322	8	karlstad	GPE
fsr-3451	322	9	sweden	GPE
fsr-3451	322	10	september 19–21, 2018	DATE
fsr-3451	324	1	two	CARDINAL
fsr-3451	326	1	2015	CARDINAL
fsr-3451	329	1	akturan	PERSON
fsr-3451	329	2	n.	PERSON
fsr-3451	329	3	2012	DATE
fsr-3451	331	1	30	CARDINAL
fsr-3451	331	2	444	CARDINAL
fsr-3451	331	3	amin	PERSON
fsr-3451	331	4	m.	PERSON
fsr-3451	331	5	2016	DATE
fsr-3451	333	1	international journal of bank	ORG
fsr-3451	333	2	34	CARDINAL
fsr-3451	333	3	280	CARDINAL
fsr-3451	334	1	arvidsson	PERSON
fsr-3451	334	2	2014	DATE
fsr-3451	336	1	international journal of bank	ORG
fsr-3451	336	2	32	CARDINAL
fsr-3451	336	3	150	CARDINAL
fsr-3451	337	1	aydin	PERSON
fsr-3451	337	2	a. e., & akben	PERSON
fsr-3451	337	3	2019	DATE
fsr-3451	339	1	international journal of bank	ORG
fsr-3451	339	2	37	CARDINAL
fsr-3451	339	3	880900	DATE
fsr-3451	340	1	aydin	PERSON
fsr-3451	340	2	s., & özer	ORG
fsr-3451	340	3	2005	DATE
fsr-3451	341	1	turkish	NORP
fsr-3451	341	2	23	CARDINAL
fsr-3451	341	3	486	CARDINAL
fsr-3451	342	1	awwad	PERSON
fsr-3451	342	2	m., & awad neimat	ORG
fsr-3451	342	3	2010	DATE
fsr-3451	343	1	jordan	GPE
fsr-3451	344	1	26	CARDINAL
fsr-3451	344	2	27	CARDINAL
fsr-3451	345	1	r. p.	PERSON
fsr-3451	345	2	1988	DATE
fsr-3451	347	1	the academy of marketing science	ORG
fsr-3451	347	2	16	CARDINAL
fsr-3451	347	3	74-94	DATE
fsr-3451	348	1	bauer	ORG
fsr-3451	348	2	h. h.	PERSON
fsr-3451	348	3	falk	ORG
fsr-3451	348	4	t., & hammerschmidt	ORG
fsr-3451	348	5	m. (	PERSON
fsr-3451	348	6	2006	DATE
fsr-3451	350	1	journal of business research	ORG
fsr-3451	350	2	59	CARDINAL
fsr-3451	350	3	866	CARDINAL
fsr-3451	351	1	benlian	NORP
fsr-3451	351	2	a., & hess	ORG
fsr-3451	351	3	t.	GPE
fsr-3451	351	4	2011	DATE
fsr-3451	353	1	international journal of electronic commerce	ORG
fsr-3451	353	2	15	CARDINAL
fsr-3451	353	3	7	CARDINAL
fsr-3451	354	1	berraies	GPE
fsr-3451	354	2	s.	PERSON
fsr-3451	354	3	ben yahia	PERSON
fsr-3451	354	4	k., & hannachi	ORG
fsr-3451	354	5	2017	CARDINAL
fsr-3451	356	1	international journal of bank	ORG
fsr-3451	356	2	35	CARDINAL
fsr-3451	357	1	bhattacherjee	GPE
fsr-3451	357	2	a. (2001	ORG
fsr-3451	359	1	quarterly	DATE
fsr-3451	359	2	25	DATE
fsr-3451	359	3	351	CARDINAL
fsr-3451	360	1	brislin	ORG
fsr-3451	360	2	r. w.	PERSON
fsr-3451	360	3	1970	DATE
fsr-3451	362	1	1	CARDINAL
fsr-3451	362	2	185	CARDINAL
fsr-3451	363	1	broderick	PERSON
fsr-3451	363	2	a. j.	PERSON
fsr-3451	363	3	vachirapornpuk	GPE
fsr-3451	363	4	s.	GPE
fsr-3451	363	5	2002	DATE
fsr-3451	364	1	20	CARDINAL
fsr-3451	364	2	327-335	CARDINAL
fsr-3451	365	1	calisir, f., & gumussoy	PERSON
fsr-3451	365	2	c. a.	PERSON
fsr-3451	365	3	2008	DATE
fsr-3451	367	1	28	CARDINAL
fsr-3451	367	2	215	CARDINAL
fsr-3451	368	1	carlander, a.	ORG
fsr-3451	368	2	t.	GPE
fsr-3451	368	3	hauff	GPE
fsr-3451	368	4	j. c.	PERSON
fsr-3451	368	5	johansson	GPE
fsr-3451	368	6	2018	DATE
fsr-3451	370	1	27	CARDINAL
fsr-3451	370	2	83	CARDINAL
fsr-3451	371	1	l. v.	PERSON
fsr-3451	371	2	flavián	GPE
fsr-3451	371	3	c., & guinalı́u	ORG
fsr-3451	371	4	m. (	PERSON
fsr-3451	371	5	2007	DATE
fsr-3451	373	1	31	DATE
fsr-3451	373	2	583	CARDINAL
fsr-3451	374	1	l. v.	PERSON
fsr-3451	374	2	flavián	GPE
fsr-3451	374	3	c., & guinalı́u	ORG
fsr-3451	374	4	m. (2008	PERSON
fsr-3451	376	1	24	CARDINAL
fsr-3451	376	2	325	CARDINAL
fsr-3451	377	1	chakraborty	ORG
fsr-3451	377	2	s., & sengupta	ORG
fsr-3451	377	3	2013	DATE
fsr-3451	378	1	kolkata	GPE
fsr-3451	379	1	india	GPE
fsr-3451	379	2	10	CARDINAL
fsr-3451	379	3	279	CARDINAL
fsr-3451	379	4	298	CARDINAL
fsr-3451	380	1	m. nourallah et al	PERSON
fsr-3451	381	1	29	CARDINAL
fsr-3451	381	2	2021	CARDINAL
fsr-3451	381	3	147–167 163	CARDINAL
fsr-3451	381	4	chaudhuri, a., & holbrook	ORG
fsr-3451	381	5	m. b.	PERSON
fsr-3451	381	6	2001	DATE
fsr-3451	383	1	65	CARDINAL
fsr-3451	383	2	81	CARDINAL
fsr-3451	384	1	davis	ORG
fsr-3451	384	2	f. d.	PERSON
fsr-3451	384	3	1989	DATE
fsr-3451	386	1	quarterly	DATE
fsr-3451	386	2	13	DATE
fsr-3451	386	3	319	CARDINAL
fsr-3451	387	1	demirguc-kunt	PERSON
fsr-3451	387	2	d.	NORP
fsr-3451	387	3	ansar, s., & hess	ORG
fsr-3451	387	4	j. (	ORG
fsr-3451	387	5	2018	DATE
fsr-3451	388	1	2017	CARDINAL
fsr-3451	389	1	the world bank	ORG
fsr-3451	390	1	worldbank.org/doi/abs/10.1596/978-1-4648-1259-0	NORP
fsr-3451	391	1	flavian	NORP
fsr-3451	391	2	c.	GPE
fsr-3451	391	3	guinalı́u	GPE
fsr-3451	391	4	m., & gurrea	ORG
fsr-3451	391	5	2006	DATE
fsr-3451	393	1	43	CARDINAL
fsr-3451	393	2	1	CARDINAL
fsr-3451	394	1	1992	DATE
fsr-3451	395	1	swedish	NORP
fsr-3451	396	1	56	CARDINAL
fsr-3451	396	2	6-21	DATE
fsr-3451	397	1	c., & larcker	ORG
fsr-3451	397	2	d. f. (	PERSON
fsr-3451	397	3	1981	DATE
fsr-3451	399	1	18	CARDINAL
fsr-3451	399	2	39	CARDINAL
fsr-3451	400	1	foscht	GPE
fsr-3451	400	2	j., chia	PERSON
fsr-3451	400	3	s. l., & “	PERSON
fsr-3451	400	4	sinha	ORG
fsr-3451	400	5	i.	PERSON
fsr-3451	400	6	2010	DATE
fsr-3451	402	1	11	CARDINAL
fsr-3451	402	2	264	CARDINAL
fsr-3451	403	1	rau	ORG
fsr-3451	403	2	2018	DATE
fsr-3451	405	1	28	CARDINAL
fsr-3451	405	2	245	CARDINAL
fsr-3451	406	1	koch	GPE
fsr-3451	406	2	m., & siering	ORG
fsr-3451	406	3	2017	CARDINAL
fsr-3451	407	1	fintech	ORG
fsr-3451	408	1	journal of business economics	ORG
fsr-3451	408	2	87	DATE
fsr-3451	408	3	537	CARDINAL
fsr-3451	409	1	kauffman	GPE
fsr-3451	409	2	r. j.	PERSON
fsr-3451	409	3	parker	GPE
fsr-3451	409	4	c., & weber	ORG
fsr-3451	409	5	b. w.	PERSON
fsr-3451	409	6	2018	DATE
fsr-3451	411	1	journal of management information systems	ORG
fsr-3451	411	2	35	CARDINAL
fsr-3451	411	3	220	CARDINAL
fsr-3451	412	1	grinyer, a.	PERSON
fsr-3451	412	2	2009	DATE
fsr-3451	414	1	pan-pacific management review	ORG
fsr-3451	414	2	12	CARDINAL
fsr-3451	414	3	49	CARDINAL
fsr-3451	415	1	c. a.	PERSON
fsr-3451	415	2	2016	DATE
fsr-3451	417	1	62	DATE
fsr-3451	417	2	277	CARDINAL
fsr-3451	418	1	j. f.	PERSON
fsr-3451	418	2	w. c.	PERSON
fsr-3451	418	3	babin	ORG
fsr-3451	418	4	b. j.	PERSON
fsr-3451	418	5	anderson	PERSON
fsr-3451	418	6	r. e.	PERSON
fsr-3451	420	1	behboudi	PERSON
fsr-3451	420	2	m.	PERSON
fsr-3451	420	3	koshksaray	PERSON
fsr-3451	420	4	a. a.	PERSON
fsr-3451	420	5	jalilvand	PERSON
fsr-3451	420	6	m., & tabar	ORG
fsr-3451	420	7	s.	GPE
fsr-3451	420	8	2014	DATE
fsr-3451	421	1	iranian	NORP
fsr-3451	422	1	31	DATE
fsr-3451	422	2	62	CARDINAL
fsr-3451	423	1	hansen	PERSON
fsr-3451	423	2	m. samuelsen	PERSON
fsr-3451	423	3	b., & sallis	ORG
fsr-3451	423	4	j. e.	PERSON
fsr-3451	423	5	2013	DATE
fsr-3451	425	1	european journal of marketing	ORG
fsr-3451	425	2	47	DATE
fsr-3451	425	3	1157-1176	DATE
fsr-3451	426	1	ho	PERSON
fsr-3451	426	2	& lee	PERSON
fsr-3451	427	1	2007	DATE
fsr-3451	429	1	28	CARDINAL
fsr-3451	429	2	1434-1449	DATE
fsr-3451	430	1	hoehle	ORG
fsr-3451	430	2	h., & venkatesh	ORG
fsr-3451	430	3	2015	CARDINAL
fsr-3451	431	1	quarterly	DATE
fsr-3451	431	2	39	DATE
fsr-3451	431	3	435	CARDINAL
fsr-3451	432	1	hussien	PERSON
fsr-3451	432	2	m. i.	PERSON
fsr-3451	432	3	& aziz	PERSON
fsr-3451	432	4	r. a. e.	PERSON
fsr-3451	432	5	2013	DATE
fsr-3451	433	1	one	CARDINAL
fsr-3451	433	2	egypt	GPE
fsr-3451	434	1	the tqm journal	ORG
fsr-3451	434	2	25	CARDINAL
fsr-3451	434	3	557	CARDINAL
fsr-3451	435	1	iberahim	ORG
fsr-3451	435	2	h.	PERSON
fsr-3451	435	3	mohd taufik	PERSON
fsr-3451	435	4	n. k.	PERSON
fsr-3451	435	5	mohd adzmir	PERSON
fsr-3451	435	6	a. s.	PERSON
fsr-3451	435	7	h.	PERSON
fsr-3451	435	8	2016	CARDINAL
fsr-3451	437	1	procedia economics	ORG
fsr-3451	437	2	37	DATE
fsr-3451	437	3	13	CARDINAL
fsr-3451	439	1	1998	DATE
fsr-3451	440	1	11	CARDINAL
fsr-3451	441	1	9241–11	ORDINAL
fsr-3451	442	1	jöreskog	GPE
fsr-3451	442	2	k. g.	PERSON
fsr-3451	442	3	d.	NORP
fsr-3451	442	4	1993	DATE
fsr-3451	444	1	chicago	GPE
fsr-3451	445	1	jöreskog	GPE
fsr-3451	445	2	k. g.	PERSON
fsr-3451	445	3	olsson	PERSON
fsr-3451	445	4	u. h., & wallentin	ORG
fsr-3451	445	5	f. y.	PERSON
fsr-3451	445	6	2016	CARDINAL
fsr-3451	447	1	basel	GPE
fsr-3451	447	2	switzerland	GPE
fsr-3451	448	1	jun, m., & palacios	ORG
fsr-3451	448	2	s.	PERSON
fsr-3451	448	3	2016	DATE
fsr-3451	450	1	international journal of bank	ORG
fsr-3451	450	2	34	CARDINAL
fsr-3451	450	3	307	CARDINAL
fsr-3451	451	1	kandampully	ORG
fsr-3451	451	2	j., zhang	PERSON
fsr-3451	451	3	a.	PERSON
fsr-3451	451	4	2015	CARDINAL
fsr-3451	453	1	contemporary hospitality management	ORG
fsr-3451	453	2	27	CARDINAL
fsr-3451	453	3	379	CARDINAL
fsr-3451	453	4	164	CARDINAL
fsr-3451	453	5	m. nourallah et al	PERSON
fsr-3451	453	6	29	CARDINAL
fsr-3451	453	7	2021	CARDINAL
fsr-3451	453	8	147–167 kang	PERSON
fsr-3451	453	9	h.	PERSON
fsr-3451	453	10	lee	PERSON
fsr-3451	453	11	m. j.	PERSON
fsr-3451	453	12	j. k.	PERSON
fsr-3451	453	13	2012	DATE
fsr-3451	456	1	22	CARDINAL
fsr-3451	456	2	132	CARDINAL
fsr-3451	457	1	karatepe	ORG
fsr-3451	457	2	o. m. (	PERSON
fsr-3451	457	3	2011	DATE
fsr-3451	459	1	journal of business economics	ORG
fsr-3451	459	2	12	CARDINAL
fsr-3451	459	3	278	CARDINAL
fsr-3451	460	1	kassim	NORP
fsr-3451	460	2	n., & asiah abdullah	ORG
fsr-3451	460	3	n.	PERSON
fsr-3451	460	4	2010	DATE
fsr-3451	462	1	asia pacific journal of marketing	ORG
fsr-3451	462	2	22	CARDINAL
fsr-3451	462	3	351	CARDINAL
fsr-3451	463	1	kaur, a., & medury	ORG
fsr-3451	463	2	2011	DATE
fsr-3451	465	1	12	CARDINAL
fsr-3451	465	2	27	CARDINAL
fsr-3451	466	1	killins	ORG
fsr-3451	466	2	r. n.	PERSON
fsr-3451	466	3	2017	CARDINAL
fsr-3451	467	1	canada	GPE
fsr-3451	468	1	26	CARDINAL
fsr-3451	468	2	143	CARDINAL
fsr-3451	469	1	koenig-lewis	PERSON
fsr-3451	469	2	2010	DATE
fsr-3451	470	1	28	CARDINAL
fsr-3451	470	2	410	CARDINAL
fsr-3451	471	1	laforet	PERSON
fsr-3451	471	2	s., & li	ORG
fsr-3451	471	3	x.	GPE
fsr-3451	471	4	2005	DATE
fsr-3451	472	1	china	GPE
fsr-3451	473	1	international journal of bank	ORG
fsr-3451	473	2	23	CARDINAL
fsr-3451	473	3	362	CARDINAL
fsr-3451	474	1	larsson, a., & viitaoja	ORG
fsr-3451	474	2	2017	CARDINAL
fsr-3451	476	1	international journal of bank	ORG
fsr-3451	476	2	35	CARDINAL
fsr-3451	476	3	858	CARDINAL
fsr-3451	477	1	laukkanen	PERSON
fsr-3451	477	2	t.	GPE
fsr-3451	477	3	2007	DATE
fsr-3451	479	1	13	CARDINAL
fsr-3451	479	2	788	CARDINAL
fsr-3451	480	1	lee	PERSON
fsr-3451	480	2	k. c.	PERSON
fsr-3451	480	3	2009	DATE
fsr-3451	481	1	korea	GPE
fsr-3451	481	2	mclean	ORG
fsr-3451	482	1	21	CARDINAL
fsr-3451	482	2	385	CARDINAL
fsr-3451	483	1	lee	PERSON
fsr-3451	483	2	k. a.	PERSON
fsr-3451	483	3	2012	DATE
fsr-3451	485	1	52	DATE
fsr-3451	485	2	450	CARDINAL
fsr-3451	486	1	lee	PERSON
fsr-3451	486	2	y. k.	PERSON
fsr-3451	486	3	j. h.	PERSON
fsr-3451	486	4	chung	GPE
fsr-3451	486	5	a.	PERSON
fsr-3451	486	6	2012	DATE
fsr-3451	488	1	journal of business research	ORG
fsr-3451	488	2	65	DATE
fsr-3451	488	3	1590	CARDINAL
fsr-3451	489	1	liébana	ORG
fsr-3451	489	2	f.	PERSON
fsr-3451	489	3	m.	PERSON
fsr-3451	489	4	soto-fuentes	PERSON
fsr-3451	489	5	valderrama-palma	PERSON
fsr-3451	489	6	2017	CARDINAL
fsr-3451	491	1	29	CARDINAL
fsr-3451	491	2	1015-1032	DATE
fsr-3451	492	1	lin	PERSON
fsr-3451	492	2	2012	DATE
fsr-3451	494	1	32	CARDINAL
fsr-3451	494	2	1865-1882	DATE
fsr-3451	495	1	lin	PERSON
fsr-3451	495	2	h. f.	PERSON
fsr-3451	495	3	2013	DATE
fsr-3451	497	1	35	CARDINAL
fsr-3451	497	2	195	CARDINAL
fsr-3451	498	1	lin	PERSON
fsr-3451	498	2	h. h., & wang	ORG
fsr-3451	498	3	y. s.	PERSON
fsr-3451	498	4	2006	DATE
fsr-3451	500	1	information & management	ORG
fsr-3451	500	2	43	CARDINAL
fsr-3451	500	3	271	CARDINAL
fsr-3451	501	1	m. t.	PERSON
fsr-3451	501	2	tzeng	GPE
fsr-3451	501	3	g. h.	PERSON
fsr-3451	501	4	cheng	PERSON
fsr-3451	501	5	c. c.	PERSON
fsr-3451	501	6	2015	DATE
fsr-3451	503	1	9	CARDINAL
fsr-3451	503	2	541	CARDINAL
fsr-3451	504	1	luarn	ORG
fsr-3451	504	2	& lin	GPE
fsr-3451	504	3	h. h.	PERSON
fsr-3451	504	4	2005	DATE
fsr-3451	506	1	21	CARDINAL
fsr-3451	506	2	873	CARDINAL
fsr-3451	507	1	s.	PERSON
fsr-3451	507	2	2019	DATE
fsr-3451	508	1	startar bank	ORG
fsr-3451	508	2	ska erbjuda både bolån och kreditkort	ORG
fsr-3451	510	1	r. f., & hwang	PERSON
fsr-3451	510	2	2019	DATE
fsr-3451	511	1	brazilian	NORP
fsr-3451	511	2	u.s.	GPE
fsr-3451	512	1	44	DATE
fsr-3451	512	2	132	CARDINAL
fsr-3451	513	1	mallat	GPE
fsr-3451	513	2	m., & tuunainen	ORG
fsr-3451	514	1	2004	DATE
fsr-3451	516	1	47	DATE
fsr-3451	516	2	42	CARDINAL
fsr-3451	517	1	marimon, f., petnji yaya	ORG
fsr-3451	517	2	l. h., & casadesus fa	ORG
fsr-3451	517	3	m.	PERSON
fsr-3451	517	4	2012	DATE
fsr-3451	518	1	spain	GPE
fsr-3451	519	1	23	CARDINAL
fsr-3451	519	2	769	CARDINAL
fsr-3451	519	3	mohammadi, h. (	ORG
fsr-3451	519	4	2015	CARDINAL
fsr-3451	520	1	iran	GPE
fsr-3451	521	1	international journal of bank	ORG
fsr-3451	521	2	33	CARDINAL
fsr-3451	521	3	733	CARDINAL
fsr-3451	522	1	l. e.	PERSON
fsr-3451	522	2	o. c.	PERSON
fsr-3451	522	3	o. s.	PERSON
fsr-3451	522	4	woen	PERSON
fsr-3451	522	5	o. y.,	ORG
fsr-3451	522	6	& wei	PERSON
fsr-3451	522	7	t. m.	PERSON
fsr-3451	522	8	2017	CARDINAL
fsr-3451	523	1	malaysia	GPE
fsr-3451	524	1	20	CARDINAL
fsr-3451	524	2	525-541	CARDINAL
fsr-3451	525	1	m. nourallah et al	PERSON
fsr-3451	526	1	29	CARDINAL
fsr-3451	526	2	2021	CARDINAL
fsr-3451	526	3	147–167 165	CARDINAL
fsr-3451	526	4	j., chelliah	ORG
fsr-3451	526	5	s., & mun	ORG
fsr-3451	526	6	h. w.	PERSON
fsr-3451	526	7	2010	DATE
fsr-3451	527	1	malaysia	GPE
fsr-3451	528	1	international journal of innovation	ORG
fsr-3451	528	2	1	CARDINAL
fsr-3451	528	3	398	CARDINAL
fsr-3451	529	1	nicoletti	PERSON
fsr-3451	529	2	b.	PERSON
fsr-3451	529	3	2017	CARDINAL
fsr-3451	530	1	fintech	ORG
fsr-3451	531	1	basingstoke	ORG
fsr-3451	531	2	uk	GPE
fsr-3451	531	3	palgrave macmillan	PERSON
fsr-3451	532	1	nielsen	PERSON
fsr-3451	532	2	j.	PERSON
fsr-3451	532	3	1994	DATE
fsr-3451	534	1	san francisco	GPE
fsr-3451	535	1	nourallah	PERSON
fsr-3451	535	2	m.	PERSON
fsr-3451	535	3	strandberg	GPE
fsr-3451	535	4	2019	DATE
fsr-3451	537	1	3rd	ORDINAL
fsr-3451	537	2	lyon	GPE
fsr-3451	537	3	france	GPE
fsr-3451	538	1	june 18-21, 2019	DATE
fsr-3451	539	1	oliveira	PERSON
fsr-3451	539	2	t., thomas, m., baptista	PERSON
fsr-3451	539	3	f.	PERSON
fsr-3451	539	4	2016	CARDINAL
fsr-3451	541	1	61, 404414	DATE
fsr-3451	542	1	a.	PERSON
fsr-3451	542	2	berry, l. l., & zeithaml	PERSON
fsr-3451	542	3	1988	DATE
fsr-3451	543	1	servqual	PERSON
fsr-3451	544	1	64	CARDINAL
fsr-3451	544	2	12	CARDINAL
fsr-3451	545	1	podsakoff	PERSON
fsr-3451	545	2	p. m.	PERSON
fsr-3451	545	3	mackenzie	LOC
fsr-3451	545	4	s. b.	PERSON
fsr-3451	545	5	lee	GPE
fsr-3451	545	6	j. y.,	PERSON
fsr-3451	546	1	2003	DATE
fsr-3451	548	1	88	DATE
fsr-3451	548	2	879	CARDINAL
fsr-3451	548	3	j. t.	PERSON
fsr-3451	548	4	2004	DATE
fsr-3451	549	1	19922002	DATE
fsr-3451	550	1	98	CARDINAL
fsr-3451	550	2	14	CARDINAL
fsr-3451	551	1	2017	CARDINAL
fsr-3451	552	1	fintech	ORG
fsr-3451	553	1	business & information systems	ORG
fsr-3451	553	2	59	CARDINAL
fsr-3451	553	3	69	CARDINAL
fsr-3451	554	1	a. s.	PERSON
fsr-3451	554	2	jawaid	GPE
fsr-3451	554	3	s. t.,	PERSON
fsr-3451	554	4	a.	PERSON
fsr-3451	554	5	2015	CARDINAL
fsr-3451	555	1	pakistan	GPE
fsr-3451	556	1	7	CARDINAL
fsr-3451	556	2	24-36	DATE
fsr-3451	557	1	saleem	NORP
fsr-3451	557	2	m. a.	PERSON
fsr-3451	557	3	zahra, s., ahmad	PERSON
fsr-3451	557	4	r., & ismail	ORG
fsr-3451	557	5	2016	CARDINAL
fsr-3451	558	1	pakistani	NORP
fsr-3451	559	1	international journal of bank	ORG
fsr-3451	559	2	34	CARDINAL
fsr-3451	559	3	411	CARDINAL
fsr-3451	560	1	sampaio	ORG
fsr-3451	560	2	c. h.	PERSON
fsr-3451	560	3	ladeira	PERSON
fsr-3451	560	4	w. j., & santini	PERSON
fsr-3451	560	5	f. d. o.	PERSON
fsr-3451	560	6	2017	CARDINAL
fsr-3451	562	1	international journal of bank	ORG
fsr-3451	562	2	35	CARDINAL
fsr-3451	562	3	1133-1151	CARDINAL
fsr-3451	563	1	sanchez-franco	PERSON
fsr-3451	563	2	m. j., & rondan-cataluña	PERSON
fsr-3451	563	3	f. j.	PERSON
fsr-3451	563	4	2010	DATE
fsr-3451	565	1	9	CARDINAL
fsr-3451	565	2	171	CARDINAL
fsr-3451	566	1	santouridis	GPE
fsr-3451	566	2	i., & trivellas	ORG
fsr-3451	566	3	2010	DATE
fsr-3451	567	1	greece	GPE
fsr-3451	568	1	tqm	ORG
fsr-3451	568	2	22	CARDINAL
fsr-3451	568	3	330	CARDINAL
fsr-3451	569	1	scornavacca	GPE
fsr-3451	569	2	e., & hoehle	ORG
fsr-3451	569	3	h.	PERSON
fsr-3451	569	4	2007	DATE
fsr-3451	570	1	germany	GPE
fsr-3451	571	1	1	CARDINAL
fsr-3451	571	2	304-320	CARDINAL
fsr-3451	572	1	shaikh	ORG
fsr-3451	572	2	a. a.	PERSON
fsr-3451	572	3	& karjaluoto	ORG
fsr-3451	572	4	2015	CARDINAL
fsr-3451	574	1	32	DATE
fsr-3451	574	2	129	CARDINAL
fsr-3451	575	1	shaikh	ORG
fsr-3451	575	2	a. a.	PERSON
fsr-3451	575	3	& karjaluoto	ORG
fsr-3451	575	4	2019	DATE
fsr-3451	577	1	a. a. shaikh & h. karjaluoto	PERSON
fsr-3451	577	2	1-26	CARDINAL
fsr-3451	578	1	new york	GPE
fsr-3451	578	2	ny	GPE
fsr-3451	578	3	sharma	PERSON
fsr-3451	578	4	s. (1996	ORG
fsr-3451	580	1	new york	GPE
fsr-3451	580	2	ny: wiley	ORG
fsr-3451	581	1	sharma	PERSON
fsr-3451	581	2	d. s.	PERSON
fsr-3451	581	3	j. (	PERSON
fsr-3451	581	4	2001	DATE
fsr-3451	583	1	journal of business finance & accounting	ORG
fsr-3451	583	2	28	CARDINAL
fsr-3451	583	3	563	CARDINAL
fsr-3451	584	1	r., & goel	ORG
fsr-3451	584	2	m.	PERSON
fsr-3451	584	3	2015	DATE
fsr-3451	586	1	international journal of business information systems	ORG
fsr-3451	586	2	4	CARDINAL
fsr-3451	586	3	1-13	DATE
fsr-3451	587	1	srinivasan	ORG
fsr-3451	587	2	s. s.	PERSON
fsr-3451	587	3	anderson	GPE
fsr-3451	587	4	r., & ponnavolu	ORG
fsr-3451	587	5	2002	DATE
fsr-3451	589	1	78	CARDINAL
fsr-3451	589	2	41-50	CARDINAL
fsr-3451	590	1	strandberg	GPE
fsr-3451	590	2	c., wahlberg	GPE
fsr-3451	590	3	2012	DATE
fsr-3451	591	1	22	CARDINAL
fsr-3451	591	2	359	CARDINAL
fsr-3451	592	1	strandberg	GPE
fsr-3451	592	2	c., wahlberg	GPE
fsr-3451	592	3	2015	CARDINAL
fsr-3451	594	1	20	CARDINAL
fsr-3451	594	2	191	CARDINAL
fsr-3451	595	1	suoranta, m., & mattila	ORG
fsr-3451	595	2	2004	DATE
fsr-3451	597	1	8	CARDINAL
fsr-3451	597	2	354	CARDINAL
fsr-3451	598	1	166	CARDINAL
fsr-3451	598	2	m. nourallah et al	PERSON
fsr-3451	598	3	29	CARDINAL
fsr-3451	598	4	2021	CARDINAL
fsr-3451	598	5	147–167	CARDINAL
fsr-3451	598	6	l. w. l. c.	PERSON
fsr-3451	598	7	2010	DATE
fsr-3451	600	1	24	CARDINAL
fsr-3451	600	2	42	CARDINAL
fsr-3451	601	1	sun	PERSON
fsr-3451	601	2	wang	PERSON
fsr-3451	601	3	m., & wang	ORG
fsr-3451	601	4	2015	CARDINAL
fsr-3451	603	1	2015	CARDINAL
fsr-3451	603	2	14	CARDINAL
fsr-3451	604	1	tam	ORG
fsr-3451	604	2	2017	CARDINAL
fsr-3451	606	1	international journal of bank	ORG
fsr-3451	606	2	35	CARDINAL
fsr-3451	606	3	1044-1067	CARDINAL
fsr-3451	607	1	e., & lau	ORG
fsr-3451	607	2	j. l.	PERSON
fsr-3451	607	3	2016	DATE
fsr-3451	609	1	17	CARDINAL
fsr-3451	609	2	18-31	DATE
fsr-3451	610	1	thakur	PERSON
fsr-3451	610	2	r.	PERSON
fsr-3451	610	3	2014	DATE
fsr-3451	612	1	international journal of bank	ORG
fsr-3451	612	2	32	CARDINAL
fsr-3451	612	3	628	CARDINAL
fsr-3451	615	1	19	CARDINAL
fsr-3451	615	2	31	CARDINAL
fsr-3451	616	1	m. f. (	PERSON
fsr-3451	616	2	2011	DATE
fsr-3451	617	1	malaysian	NORP
fsr-3451	618	1	2011	DATE
fsr-3451	618	2	penang	GPE
fsr-3451	618	3	malaysia wirtz	GPE
fsr-3451	618	4	j.	PERSON
fsr-3451	618	5	a. s.	PERSON
fsr-3451	618	6	& lwin	ORG
fsr-3451	618	7	m. o.	PERSON
fsr-3451	618	8	2007	DATE
fsr-3451	620	1	9	CARDINAL
fsr-3451	620	2	327	CARDINAL
fsr-3451	621	1	yeh	PERSON
fsr-3451	621	2	c. h.	PERSON
fsr-3451	621	3	wang	PERSON
fsr-3451	621	4	y. s.	PERSON
fsr-3451	621	5	2016	DATE
fsr-3451	623	1	36	CARDINAL
fsr-3451	623	2	245	CARDINAL
fsr-3451	624	1	yoon	PERSON
fsr-3451	624	2	2010	DATE
fsr-3451	625	1	china	GPE
fsr-3451	626	1	26	CARDINAL
fsr-3451	626	2	1296-1304	DATE
fsr-3451	627	1	zhou	PERSON
fsr-3451	627	2	t.	GPE
fsr-3451	627	3	b.	PERSON
fsr-3451	627	4	2010	DATE
fsr-3451	629	1	26	CARDINAL
fsr-3451	629	2	760	CARDINAL
fsr-3451	630	1	m. nourallah et al	PERSON
fsr-3451	631	1	29	CARDINAL
fsr-3451	631	2	2021	CARDINAL
fsr-3451	632	1	147–167 167	CARDINAL