id	sid	tid	token	lemma	pos
fsr-3451	1	1	mobile	mobile	PROPN
fsr-3451	1	2	bank	bank	PROPN
fsr-3451	1	3	applications	application	NOUN
fsr-3451	1	4	:	:	PUNCT
fsr-3451	1	5	loyalty	loyalty	NOUN
fsr-3451	1	6	of	of	ADP
fsr-3451	1	7	young	young	ADJ
fsr-3451	1	8	bank	bank	NOUN
fsr-3451	1	9	customers	customer	NOUN
fsr-3451	1	10	mustafa	mustafa	PROPN
fsr-3451	1	11	nourallaha	nourallaha	PROPN
fsr-3451	1	12	,	,	PUNCT
fsr-3451	1	13	*	*	PUNCT
fsr-3451	1	14	,	,	PUNCT
fsr-3451	1	15	christer	christer	NOUN
fsr-3451	1	16	strandberga	strandberga	NOUN
fsr-3451	1	17	,	,	PUNCT
fsr-3451	1	18	peter	peter	PROPN
fsr-3451	1	19	öhmana	öhmana	PROPN
fsr-3451	1	20	adepartment	adepartment	NOUN
fsr-3451	1	21	of	of	ADP
fsr-3451	1	22	economics	economic	NOUN
fsr-3451	1	23	,	,	PUNCT
fsr-3451	1	24	geography	geography	NOUN
fsr-3451	1	25	,	,	PUNCT
fsr-3451	1	26	law	law	NOUN
fsr-3451	1	27	and	and	CCONJ
fsr-3451	1	28	tourism	tourism	NOUN
fsr-3451	1	29	,	,	PUNCT
fsr-3451	1	30	and	and	CCONJ
fsr-3451	1	31	centre	centre	NOUN
fsr-3451	1	32	for	for	ADP
fsr-3451	1	33	research	research	NOUN
fsr-3451	1	34	on	on	ADP
fsr-3451	1	35	economic	economic	ADJ
fsr-3451	1	36	relations	relation	NOUN
fsr-3451	1	37	,	,	PUNCT
fsr-3451	1	38	mid	mid	PROPN
fsr-3451	1	39	sweden	sweden	PROPN
fsr-3451	1	40	university	university	PROPN
fsr-3451	1	41	,	,	PUNCT
fsr-3451	1	42	se-851	se-851	X
fsr-3451	1	43	70	70	NUM
fsr-3451	1	44	sundsvall	sundsvall	NOUN
fsr-3451	1	45	,	,	PUNCT
fsr-3451	1	46	sweden	sweden	PROPN
fsr-3451	1	47	abstract	abstract	ADJ
fsr-3451	1	48	the	the	DET
fsr-3451	1	49	purpose	purpose	NOUN
fsr-3451	1	50	of	of	ADP
fsr-3451	1	51	this	this	DET
fsr-3451	1	52	study	study	NOUN
fsr-3451	1	53	is	be	AUX
fsr-3451	1	54	to	to	PART
fsr-3451	1	55	investigate	investigate	VERB
fsr-3451	1	56	how	how	SCONJ
fsr-3451	1	57	young	young	ADJ
fsr-3451	1	58	bank	bank	NOUN
fsr-3451	1	59	customers	customer	NOUN
fsr-3451	1	60	(	(	PUNCT
fsr-3451	1	61	ybcs	ybc	NOUN
fsr-3451	1	62	)	)	PUNCT
fsr-3451	1	63	perceive	perceive	VERB
fsr-3451	1	64	the	the	DET
fsr-3451	1	65	relationships	relationship	NOUN
fsr-3451	1	66	between	between	ADP
fsr-3451	1	67	several	several	ADJ
fsr-3451	1	68	antecedents	antecedent	NOUN
fsr-3451	1	69	(	(	PUNCT
fsr-3451	1	70	i.e.	i.e.	X
fsr-3451	1	71	,	,	PUNCT
fsr-3451	1	72	usability	usability	NOUN
fsr-3451	1	73	,	,	PUNCT
fsr-3451	1	74	responsiveness	responsiveness	NOUN
fsr-3451	1	75	,	,	PUNCT
fsr-3451	1	76	customer	customer	NOUN
fsr-3451	1	77	satisfaction	satisfaction	NOUN
fsr-3451	1	78	,	,	PUNCT
fsr-3451	1	79	and	and	CCONJ
fsr-3451	1	80	reliability	reliability	NOUN
fsr-3451	1	81	)	)	PUNCT
fsr-3451	1	82	and	and	CCONJ
fsr-3451	1	83	loyalty	loyalty	NOUN
fsr-3451	1	84	in	in	ADP
fsr-3451	1	85	the	the	DET
fsr-3451	1	86	context	context	NOUN
fsr-3451	1	87	of	of	ADP
fsr-3451	1	88	mobile	mobile	PROPN
fsr-3451	1	89	bank	bank	NOUN
fsr-3451	1	90	applications	application	NOUN
fsr-3451	1	91	(	(	PUNCT
fsr-3451	1	92	mbas	mbas	NOUN
fsr-3451	1	93	)	)	PUNCT
fsr-3451	1	94	.	.	PUNCT
fsr-3451	2	1	an	an	DET
fsr-3451	2	2	electronic	electronic	ADJ
fsr-3451	2	3	questionnaire	questionnaire	NOUN
fsr-3451	2	4	was	be	AUX
fsr-3451	2	5	sent	send	VERB
fsr-3451	2	6	to	to	ADP
fsr-3451	2	7	500	500	NUM
fsr-3451	2	8	ybcs	ybc	NOUN
fsr-3451	2	9	in	in	ADP
fsr-3451	2	10	sweden	sweden	PROPN
fsr-3451	2	11	,	,	PUNCT
fsr-3451	2	12	146	146	NUM
fsr-3451	2	13	of	of	ADP
fsr-3451	2	14	whom	whom	PRON
fsr-3451	2	15	completed	complete	VERB
fsr-3451	2	16	it	it	PRON
fsr-3451	2	17	.	.	PUNCT
fsr-3451	3	1	confirmatory	confirmatory	ADJ
fsr-3451	3	2	factor	factor	NOUN
fsr-3451	3	3	analysis	analysis	NOUN
fsr-3451	3	4	was	be	AUX
fsr-3451	3	5	used	use	VERB
fsr-3451	3	6	to	to	PART
fsr-3451	3	7	test	test	VERB
fsr-3451	3	8	the	the	DET
fsr-3451	3	9	measurement	measurement	NOUN
fsr-3451	3	10	model	model	NOUN
fsr-3451	3	11	,	,	PUNCT
fsr-3451	3	12	and	and	CCONJ
fsr-3451	3	13	structural	structural	ADJ
fsr-3451	3	14	equation	equation	NOUN
fsr-3451	3	15	modeling	modeling	NOUN
fsr-3451	3	16	was	be	AUX
fsr-3451	3	17	used	use	VERB
fsr-3451	3	18	to	to	PART
fsr-3451	3	19	test	test	VERB
fsr-3451	3	20	the	the	DET
fsr-3451	3	21	hypotheses	hypothesis	NOUN
fsr-3451	3	22	.	.	PUNCT
fsr-3451	4	1	the	the	DET
fsr-3451	4	2	results	result	NOUN
fsr-3451	4	3	indicate	indicate	VERB
fsr-3451	4	4	that	that	SCONJ
fsr-3451	4	5	usability	usability	NOUN
fsr-3451	4	6	is	be	AUX
fsr-3451	4	7	indirectly	indirectly	ADV
fsr-3451	4	8	related	relate	VERB
fsr-3451	4	9	to	to	ADP
fsr-3451	4	10	loyalty	loyalty	NOUN
fsr-3451	4	11	through	through	ADP
fsr-3451	4	12	responsiveness	responsiveness	NOUN
fsr-3451	4	13	and	and	CCONJ
fsr-3451	4	14	customer	customer	NOUN
fsr-3451	4	15	satisfaction	satisfaction	NOUN
fsr-3451	4	16	.	.	PUNCT
fsr-3451	5	1	the	the	DET
fsr-3451	5	2	study	study	NOUN
fsr-3451	5	3	contributes	contribute	VERB
fsr-3451	5	4	to	to	ADP
fsr-3451	5	5	the	the	DET
fsr-3451	5	6	literature	literature	NOUN
fsr-3451	5	7	by	by	ADP
fsr-3451	5	8	developing	develop	VERB
fsr-3451	5	9	a	a	DET
fsr-3451	5	10	usability	usability	NOUN
fsr-3451	5	11	–	–	PUNCT
fsr-3451	5	12	loyalty	loyalty	NOUN
fsr-3451	5	13	model	model	NOUN
fsr-3451	5	14	of	of	ADP
fsr-3451	5	15	ybcs	ybc	NOUN
fsr-3451	5	16	using	use	VERB
fsr-3451	5	17	mbas	mbas	NOUN
fsr-3451	5	18	.	.	PUNCT
fsr-3451	6	1	©	©	PROPN
fsr-3451	6	2	2021	2021	NUM
fsr-3451	6	3	academy	academy	NOUN
fsr-3451	6	4	of	of	ADP
fsr-3451	6	5	financial	financial	ADJ
fsr-3451	6	6	services	service	NOUN
fsr-3451	6	7	.	.	PUNCT
fsr-3451	7	1	all	all	DET
fsr-3451	7	2	rights	right	NOUN
fsr-3451	7	3	reserved	reserve	VERB
fsr-3451	7	4	.	.	PUNCT
fsr-3451	8	1	jel	jel	PROPN
fsr-3451	8	2	classification	classification	NOUN
fsr-3451	8	3	:	:	PUNCT
fsr-3451	8	4	m	m	VERB
fsr-3451	8	5	keywords	keyword	NOUN
fsr-3451	8	6	:	:	PUNCT
fsr-3451	8	7	usability	usability	NOUN
fsr-3451	8	8	;	;	PUNCT
fsr-3451	8	9	customer	customer	NOUN
fsr-3451	8	10	satisfaction	satisfaction	NOUN
fsr-3451	8	11	;	;	PUNCT
fsr-3451	8	12	loyalty	loyalty	NOUN
fsr-3451	8	13	;	;	PUNCT
fsr-3451	8	14	mobile	mobile	ADJ
fsr-3451	8	15	bank	bank	NOUN
fsr-3451	8	16	application	application	NOUN
fsr-3451	8	17	;	;	PUNCT
fsr-3451	8	18	young	young	ADJ
fsr-3451	8	19	bank	bank	NOUN
fsr-3451	8	20	customers	customer	NOUN
fsr-3451	8	21	1	1	NUM
fsr-3451	8	22	.	.	PUNCT
fsr-3451	9	1	introduction	introduction	NOUN
fsr-3451	9	2	studies	study	NOUN
fsr-3451	9	3	in	in	ADP
fsr-3451	9	4	the	the	DET
fsr-3451	9	5	literature	literature	NOUN
fsr-3451	9	6	on	on	ADP
fsr-3451	9	7	loyalty	loyalty	NOUN
fsr-3451	9	8	in	in	ADP
fsr-3451	9	9	the	the	DET
fsr-3451	9	10	financial	financial	ADJ
fsr-3451	9	11	services	service	NOUN
fsr-3451	9	12	context	context	NOUN
fsr-3451	9	13	have	have	AUX
fsr-3451	9	14	indicated	indicate	VERB
fsr-3451	9	15	that	that	SCONJ
fsr-3451	9	16	while	while	SCONJ
fsr-3451	9	17	bank	bank	NOUN
fsr-3451	9	18	customers	customer	NOUN
fsr-3451	9	19	in	in	ADP
fsr-3451	9	20	general	general	ADJ
fsr-3451	9	21	are	be	AUX
fsr-3451	9	22	loyal	loyal	ADJ
fsr-3451	9	23	(	(	PUNCT
fsr-3451	9	24	e.g.	e.g.	ADJ
fsr-3451	9	25	,	,	PUNCT
fsr-3451	9	26	strandberg	strandberg	PROPN
fsr-3451	9	27	,	,	PUNCT
fsr-3451	9	28	wahlberg	wahlberg	PROPN
fsr-3451	9	29	,	,	PUNCT
fsr-3451	9	30	&	&	CCONJ
fsr-3451	9	31	öhman	öhman	PROPN
fsr-3451	9	32	,	,	PUNCT
fsr-3451	9	33	2015	2015	NUM
fsr-3451	9	34	)	)	PUNCT
fsr-3451	9	35	,	,	PUNCT
fsr-3451	9	36	young	young	ADJ
fsr-3451	9	37	bank	bank	NOUN
fsr-3451	9	38	customers	customer	NOUN
fsr-3451	9	39	(	(	PUNCT
fsr-3451	9	40	ybcs	ybc	NOUN
fsr-3451	9	41	)	)	PUNCT
fsr-3451	9	42	are	be	AUX
fsr-3451	9	43	often	often	ADV
fsr-3451	9	44	not	not	PART
fsr-3451	9	45	(	(	PUNCT
fsr-3451	9	46	nicoletti	nicoletti	NOUN
fsr-3451	9	47	,	,	PUNCT
fsr-3451	9	48	2017	2017	NUM
fsr-3451	9	49	)	)	PUNCT
fsr-3451	9	50	.	.	PUNCT
fsr-3451	10	1	ybcs	ybc	NOUN
fsr-3451	10	2	are	be	AUX
fsr-3451	10	3	twice	twice	ADV
fsr-3451	10	4	as	as	ADV
fsr-3451	10	5	likely	likely	ADJ
fsr-3451	10	6	to	to	PART
fsr-3451	10	7	change	change	VERB
fsr-3451	10	8	banks	bank	NOUN
fsr-3451	10	9	as	as	SCONJ
fsr-3451	10	10	are	be	AUX
fsr-3451	10	11	older	old	ADJ
fsr-3451	10	12	bank	bank	NOUN
fsr-3451	10	13	customers	customer	NOUN
fsr-3451	10	14	(	(	PUNCT
fsr-3451	10	15	accenture	accenture	NOUN
fsr-3451	10	16	,	,	PUNCT
fsr-3451	10	17	2015	2015	NUM
fsr-3451	10	18	)	)	PUNCT
fsr-3451	10	19	.	.	PUNCT
fsr-3451	11	1	although	although	SCONJ
fsr-3451	11	2	ybcs	ybc	NOUN
fsr-3451	11	3	represent	represent	VERB
fsr-3451	11	4	an	an	DET
fsr-3451	11	5	important	important	ADJ
fsr-3451	11	6	customer	customer	NOUN
fsr-3451	11	7	category	category	NOUN
fsr-3451	11	8	for	for	ADP
fsr-3451	11	9	traditional	traditional	ADJ
fsr-3451	11	10	banks	bank	NOUN
fsr-3451	11	11	(	(	PUNCT
fsr-3451	11	12	foscht	foscht	NOUN
fsr-3451	11	13	,	,	PUNCT
fsr-3451	11	14	maloles	malole	NOUN
fsr-3451	11	15	,	,	PUNCT
fsr-3451	11	16	schloffer	schloffer	NOUN
fsr-3451	11	17	,	,	PUNCT
fsr-3451	11	18	chia	chia	PROPN
fsr-3451	11	19	,	,	PUNCT
fsr-3451	11	20	&	&	CCONJ
fsr-3451	11	21	sinha	sinha	PROPN
fsr-3451	11	22	,	,	PUNCT
fsr-3451	11	23	2010	2010	NUM
fsr-3451	11	24	)	)	PUNCT
fsr-3451	11	25	,	,	PUNCT
fsr-3451	11	26	members	member	NOUN
fsr-3451	11	27	of	of	ADP
fsr-3451	11	28	this	this	DET
fsr-3451	11	29	group	group	NOUN
fsr-3451	11	30	show	show	VERB
fsr-3451	11	31	a	a	DET
fsr-3451	11	32	tendency	tendency	NOUN
fsr-3451	11	33	to	to	PART
fsr-3451	11	34	use	use	VERB
fsr-3451	11	35	financial	financial	ADJ
fsr-3451	11	36	services	service	NOUN
fsr-3451	11	37	provided	provide	VERB
fsr-3451	11	38	by	by	ADP
fsr-3451	11	39	fintech	fintech	NOUN
fsr-3451	11	40	companies	company	NOUN
fsr-3451	11	41	.	.	PUNCT
fsr-3451	12	1	gomber	gomber	PROPN
fsr-3451	12	2	,	,	PUNCT
fsr-3451	12	3	kauffman	kauffman	PROPN
fsr-3451	12	4	,	,	PUNCT
fsr-3451	12	5	parker	parker	PROPN
fsr-3451	12	6	,	,	PUNCT
fsr-3451	12	7	and	and	CCONJ
fsr-3451	12	8	weber	weber	PROPN
fsr-3451	12	9	(	(	PUNCT
fsr-3451	12	10	2018	2018	NUM
fsr-3451	12	11	)	)	PUNCT
fsr-3451	12	12	state	state	NOUN
fsr-3451	12	13	that	that	PRON
fsr-3451	12	14	ybcs	ybc	VERB
fsr-3451	12	15	seem	seem	VERB
fsr-3451	12	16	to	to	ADP
fsr-3451	12	17	*	*	PUNCT
fsr-3451	12	18	corresponding	correspond	VERB
fsr-3451	12	19	author	author	NOUN
fsr-3451	12	20	.	.	PUNCT
fsr-3451	13	1	tel	tel	ADP
fsr-3451	13	2	:	:	PUNCT
fsr-3451	13	3	+46	+46	PROPN
fsr-3451	13	4	10	10	NUM
fsr-3451	13	5	142	142	NUM
fsr-3451	13	6	79	79	NUM
fsr-3451	13	7	75	75	NUM
fsr-3451	13	8	;	;	PUNCT
fsr-3451	13	9	fax	fax	NOUN
fsr-3451	13	10	:	:	PUNCT
fsr-3451	13	11	+46	+46	NUM
fsr-3451	13	12	10	10	NUM
fsr-3451	13	13	142	142	NUM
fsr-3451	13	14	85	85	NUM
fsr-3451	13	15	10	10	NUM
fsr-3451	13	16	.	.	PUNCT
fsr-3451	14	1	e	e	X
fsr-3451	14	2	-	-	NOUN
fsr-3451	14	3	mail	mail	NOUN
fsr-3451	14	4	address	address	NOUN
fsr-3451	14	5	:	:	PUNCT
fsr-3451	14	6	mustafa.nourallah@miun.se	mustafa.nourallah@miun.se	ADJ
fsr-3451	14	7	(	(	PUNCT
fsr-3451	14	8	m.	m.	NOUN
fsr-3451	14	9	nourallah	nourallah	PROPN
fsr-3451	14	10	)	)	PUNCT
fsr-3451	14	11	1057	1057	NUM
fsr-3451	14	12	-	-	SYM
fsr-3451	14	13	0810/21/$	0810/21/$	NUM
fsr-3451	14	14	–	–	PUNCT
fsr-3451	14	15	see	see	VERB
fsr-3451	14	16	front	front	ADJ
fsr-3451	14	17	matter	matter	NOUN
fsr-3451	14	18	©	©	PROPN
fsr-3451	14	19	2021	2021	NUM
fsr-3451	14	20	academy	academy	NOUN
fsr-3451	14	21	of	of	ADP
fsr-3451	14	22	financial	financial	ADJ
fsr-3451	14	23	services	service	NOUN
fsr-3451	14	24	.	.	PUNCT
fsr-3451	15	1	all	all	DET
fsr-3451	15	2	rights	right	NOUN
fsr-3451	15	3	reserved	reserve	VERB
fsr-3451	15	4	.	.	PUNCT
fsr-3451	16	1	financial	financial	ADJ
fsr-3451	16	2	services	service	NOUN
fsr-3451	16	3	review	review	VERB
fsr-3451	16	4	29	29	NUM
fsr-3451	16	5	(	(	PUNCT
fsr-3451	16	6	2021	2021	NUM
fsr-3451	16	7	)	)	PUNCT
fsr-3451	16	8	147–167	147–167	NUM
fsr-3451	16	9	prefer	prefer	VERB
fsr-3451	16	10	financial	financial	ADJ
fsr-3451	16	11	services	service	NOUN
fsr-3451	16	12	provided	provide	VERB
fsr-3451	16	13	by	by	ADP
fsr-3451	16	14	google	google	PROPN
fsr-3451	16	15	,	,	PUNCT
fsr-3451	16	16	amazon	amazon	NOUN
fsr-3451	16	17	,	,	PUNCT
fsr-3451	16	18	apple	apple	NOUN
fsr-3451	16	19	,	,	PUNCT
fsr-3451	16	20	or	or	CCONJ
fsr-3451	16	21	paypal	paypal	NOUN
fsr-3451	16	22	,	,	PUNCT
fsr-3451	16	23	that	that	ADV
fsr-3451	16	24	is	is	ADV
fsr-3451	16	25	,	,	PUNCT
fsr-3451	16	26	fintech	fintech	NOUN
fsr-3451	16	27	companies	company	NOUN
fsr-3451	16	28	,	,	PUNCT
fsr-3451	16	29	rather	rather	ADV
fsr-3451	16	30	than	than	ADP
fsr-3451	16	31	by	by	ADP
fsr-3451	16	32	traditional	traditional	ADJ
fsr-3451	16	33	banks	bank	NOUN
fsr-3451	16	34	.	.	PUNCT
fsr-3451	17	1	it	it	PRON
fsr-3451	17	2	has	have	AUX
fsr-3451	17	3	also	also	ADV
fsr-3451	17	4	been	be	AUX
fsr-3451	17	5	emphasized	emphasize	VERB
fsr-3451	17	6	that	that	SCONJ
fsr-3451	17	7	“	"	PUNCT
fsr-3451	17	8	fintech	fintech	NOUN
fsr-3451	17	9	companies	company	NOUN
fsr-3451	17	10	offer	offer	VERB
fsr-3451	17	11	new	new	ADJ
fsr-3451	17	12	products	product	NOUN
fsr-3451	17	13	and	and	CCONJ
fsr-3451	17	14	solutions	solution	NOUN
fsr-3451	17	15	which	which	DET
fsr-3451	17	16	fulfill	fulfill	VERB
fsr-3451	17	17	customers	customer	NOUN
fsr-3451	17	18	’	'	PUNCT
fsr-3451	17	19	needs	need	NOUN
fsr-3451	17	20	that	that	PRON
fsr-3451	17	21	have	have	AUX
fsr-3451	17	22	previously	previously	ADV
fsr-3451	17	23	not	not	PART
fsr-3451	17	24	or	or	CCONJ
fsr-3451	17	25	not	not	PART
fsr-3451	17	26	sufficiently	sufficiently	ADV
fsr-3451	17	27	been	be	AUX
fsr-3451	17	28	addressed	address	VERB
fsr-3451	17	29	by	by	ADP
fsr-3451	17	30	incumbent	incumbent	ADJ
fsr-3451	17	31	financial	financial	ADJ
fsr-3451	17	32	service	service	NOUN
fsr-3451	17	33	providers	provider	NOUN
fsr-3451	17	34	[	[	X
fsr-3451	17	35	e.g.	e.g.	ADV
fsr-3451	17	36	,	,	PUNCT
fsr-3451	17	37	traditional	traditional	ADJ
fsr-3451	17	38	banks	bank	NOUN
fsr-3451	17	39	]	]	PUNCT
fsr-3451	17	40	.	.	PUNCT
fsr-3451	17	41	”	"	PUNCT
fsr-3451	18	1	(	(	PUNCT
fsr-3451	18	2	gomber	gomber	PROPN
fsr-3451	18	3	,	,	PUNCT
fsr-3451	18	4	koch	koch	PROPN
fsr-3451	18	5	,	,	PUNCT
fsr-3451	18	6	&	&	CCONJ
fsr-3451	18	7	siering	siering	PROPN
fsr-3451	18	8	,	,	PUNCT
fsr-3451	18	9	2017	2017	NUM
fsr-3451	18	10	,	,	PUNCT
fsr-3451	18	11	p.	p.	NOUN
fsr-3451	18	12	540	540	NUM
fsr-3451	18	13	)	)	PUNCT
fsr-3451	18	14	.	.	PUNCT
fsr-3451	19	1	the	the	DET
fsr-3451	19	2	ambition	ambition	NOUN
fsr-3451	19	3	of	of	ADP
fsr-3451	19	4	fintech	fintech	NOUN
fsr-3451	19	5	companies	company	NOUN
fsr-3451	19	6	to	to	PART
fsr-3451	19	7	provide	provide	VERB
fsr-3451	19	8	one	one	NUM
fsr-3451	19	9	-	-	PUNCT
fsr-3451	19	10	fifth	fifth	NOUN
fsr-3451	19	11	of	of	ADP
fsr-3451	19	12	financial	financial	ADJ
fsr-3451	19	13	services	service	NOUN
fsr-3451	19	14	by	by	ADP
fsr-3451	19	15	2020	2020	NUM
fsr-3451	19	16	(	(	PUNCT
fsr-3451	19	17	gimpel	gimpel	PROPN
fsr-3451	19	18	,	,	PUNCT
fsr-3451	19	19	rau	rau	PROPN
fsr-3451	19	20	,	,	PUNCT
fsr-3451	19	21	&	&	CCONJ
fsr-3451	19	22	röglinger	röglinger	NOUN
fsr-3451	19	23	,	,	PUNCT
fsr-3451	19	24	2018	2018	NUM
fsr-3451	19	25	)	)	PUNCT
fsr-3451	19	26	has	have	AUX
fsr-3451	19	27	led	lead	VERB
fsr-3451	19	28	to	to	ADP
fsr-3451	19	29	competition	competition	NOUN
fsr-3451	19	30	between	between	ADP
fsr-3451	19	31	these	these	DET
fsr-3451	19	32	companies	company	NOUN
fsr-3451	19	33	and	and	CCONJ
fsr-3451	19	34	traditional	traditional	ADJ
fsr-3451	19	35	banks	bank	NOUN
fsr-3451	19	36	,	,	PUNCT
fsr-3451	19	37	and	and	CCONJ
fsr-3451	19	38	ybcs	ybc	NOUN
fsr-3451	19	39	seem	seem	VERB
fsr-3451	19	40	to	to	PART
fsr-3451	19	41	be	be	AUX
fsr-3451	19	42	the	the	DET
fsr-3451	19	43	target	target	NOUN
fsr-3451	19	44	of	of	ADP
fsr-3451	19	45	both	both	DET
fsr-3451	19	46	these	these	DET
fsr-3451	19	47	groups	group	NOUN
fsr-3451	19	48	.	.	PUNCT
fsr-3451	20	1	traditional	traditional	ADJ
fsr-3451	20	2	banks	bank	NOUN
fsr-3451	20	3	have	have	AUX
fsr-3451	20	4	developed	develop	VERB
fsr-3451	20	5	mobile	mobile	ADJ
fsr-3451	20	6	bank	bank	NOUN
fsr-3451	20	7	applications	application	NOUN
fsr-3451	20	8	(	(	PUNCT
fsr-3451	20	9	mbas	mbas	NOUN
fsr-3451	20	10	)	)	PUNCT
fsr-3451	20	11	,	,	PUNCT
fsr-3451	20	12	that	that	ADV
fsr-3451	20	13	is	is	ADV
fsr-3451	20	14	,	,	PUNCT
fsr-3451	20	15	an	an	DET
fsr-3451	20	16	advanced	advanced	ADJ
fsr-3451	20	17	type	type	NOUN
fsr-3451	20	18	of	of	ADP
fsr-3451	20	19	mobile	mobile	ADJ
fsr-3451	20	20	banking	banking	NOUN
fsr-3451	20	21	.	.	PUNCT
fsr-3451	21	1	mbas	mbas	PROPN
fsr-3451	21	2	allow	allow	VERB
fsr-3451	21	3	customers	customer	NOUN
fsr-3451	21	4	connected	connect	VERB
fsr-3451	21	5	to	to	ADP
fsr-3451	21	6	the	the	DET
fsr-3451	21	7	internet	internet	NOUN
fsr-3451	21	8	to	to	PART
fsr-3451	21	9	conduct	conduct	VERB
fsr-3451	21	10	various	various	ADJ
fsr-3451	21	11	financial	financial	ADJ
fsr-3451	21	12	tasks	task	NOUN
fsr-3451	21	13	,	,	PUNCT
fsr-3451	21	14	such	such	ADJ
fsr-3451	21	15	as	as	ADP
fsr-3451	21	16	checking	check	VERB
fsr-3451	21	17	account	account	NOUN
fsr-3451	21	18	balances	balance	NOUN
fsr-3451	21	19	,	,	PUNCT
fsr-3451	21	20	transferring	transfer	VERB
fsr-3451	21	21	money	money	NOUN
fsr-3451	21	22	,	,	PUNCT
fsr-3451	21	23	and	and	CCONJ
fsr-3451	21	24	paying	pay	VERB
fsr-3451	21	25	bills	bill	NOUN
fsr-3451	21	26	(	(	PUNCT
fsr-3451	21	27	malaquias	malaquia	NOUN
fsr-3451	21	28	&	&	CCONJ
fsr-3451	21	29	hwang	hwang	PROPN
fsr-3451	21	30	,	,	PUNCT
fsr-3451	21	31	2019	2019	NUM
fsr-3451	21	32	)	)	PUNCT
fsr-3451	21	33	.	.	PUNCT
fsr-3451	22	1	simultaneously	simultaneously	ADV
fsr-3451	22	2	,	,	PUNCT
fsr-3451	22	3	the	the	DET
fsr-3451	22	4	fintech	fintech	NOUN
fsr-3451	22	5	companies	company	NOUN
fsr-3451	22	6	have	have	AUX
fsr-3451	22	7	promoted	promote	VERB
fsr-3451	22	8	mobile	mobile	NOUN
fsr-3451	22	9	-	-	PUNCT
fsr-3451	22	10	only	only	ADV
fsr-3451	22	11	banks	bank	NOUN
fsr-3451	22	12	(	(	PUNCT
fsr-3451	22	13	mobs	mobs	PROPN
fsr-3451	22	14	)	)	PUNCT
fsr-3451	22	15	,	,	PUNCT
fsr-3451	22	16	a	a	DET
fsr-3451	22	17	recent	recent	ADJ
fsr-3451	22	18	innovation	innovation	NOUN
fsr-3451	22	19	that	that	PRON
fsr-3451	22	20	offers	offer	VERB
fsr-3451	22	21	financial	financial	ADJ
fsr-3451	22	22	services	service	NOUN
fsr-3451	22	23	to	to	ADP
fsr-3451	22	24	customers	customer	NOUN
fsr-3451	22	25	connected	connect	VERB
fsr-3451	22	26	to	to	ADP
fsr-3451	22	27	the	the	DET
fsr-3451	22	28	internet	internet	NOUN
fsr-3451	22	29	solely	solely	ADV
fsr-3451	22	30	via	via	ADP
fsr-3451	22	31	mobile	mobile	ADJ
fsr-3451	22	32	applications	application	NOUN
fsr-3451	22	33	(	(	PUNCT
fsr-3451	22	34	nourallah	nourallah	PROPN
fsr-3451	22	35	,	,	PUNCT
fsr-3451	22	36	strandberg	strandberg	PROPN
fsr-3451	22	37	,	,	PUNCT
fsr-3451	22	38	&	&	CCONJ
fsr-3451	22	39	öhman	öhman	PROPN
fsr-3451	22	40	,	,	PUNCT
fsr-3451	22	41	2019	2019	NUM
fsr-3451	22	42	)	)	PUNCT
fsr-3451	22	43	.	.	PUNCT
fsr-3451	23	1	one	one	NUM
fsr-3451	23	2	place	place	NOUN
fsr-3451	23	3	where	where	SCONJ
fsr-3451	23	4	this	this	DET
fsr-3451	23	5	rivalry	rivalry	NOUN
fsr-3451	23	6	between	between	ADP
fsr-3451	23	7	fintech	fintech	NOUN
fsr-3451	23	8	companies	company	NOUN
fsr-3451	23	9	and	and	CCONJ
fsr-3451	23	10	banks	bank	NOUN
fsr-3451	23	11	is	be	AUX
fsr-3451	23	12	found	find	VERB
fsr-3451	23	13	is	be	AUX
fsr-3451	23	14	sweden	sweden	ADJ
fsr-3451	23	15	.	.	PUNCT
fsr-3451	24	1	in	in	ADP
fsr-3451	24	2	2018	2018	NUM
fsr-3451	24	3	,	,	PUNCT
fsr-3451	24	4	the	the	DET
fsr-3451	24	5	first	first	ADJ
fsr-3451	24	6	mob	mob	NOUN
fsr-3451	24	7	,	,	PUNCT
fsr-3451	24	8	n26	n26	PROPN
fsr-3451	24	9	launched	launch	VERB
fsr-3451	24	10	mobile	mobile	ADJ
fsr-3451	24	11	financial	financial	ADJ
fsr-3451	24	12	services	service	NOUN
fsr-3451	24	13	,	,	PUNCT
fsr-3451	24	14	and	and	CCONJ
fsr-3451	24	15	in	in	ADP
fsr-3451	24	16	2019	2019	NUM
fsr-3451	24	17	,	,	PUNCT
fsr-3451	24	18	another	another	DET
fsr-3451	24	19	mob	mob	NOUN
fsr-3451	24	20	,	,	PUNCT
fsr-3451	24	21	lunar	lunar	ADJ
fsr-3451	24	22	way	way	NOUN
fsr-3451	24	23	announced	announce	VERB
fsr-3451	24	24	that	that	SCONJ
fsr-3451	24	25	every	every	DET
fsr-3451	24	26	month	month	NOUN
fsr-3451	24	27	roughly	roughly	ADV
fsr-3451	24	28	6,000	6,000	NUM
fsr-3451	24	29	new	new	ADJ
fsr-3451	24	30	customers	customer	NOUN
fsr-3451	24	31	subscribed	subscribe	VERB
fsr-3451	24	32	to	to	ADP
fsr-3451	24	33	their	their	PRON
fsr-3451	24	34	services	service	NOUN
fsr-3451	24	35	(	(	PUNCT
fsr-3451	24	36	lundell	lundell	NOUN
fsr-3451	24	37	,	,	PUNCT
fsr-3451	24	38	2019	2019	NUM
fsr-3451	24	39	)	)	PUNCT
fsr-3451	24	40	.	.	PUNCT
fsr-3451	25	1	the	the	DET
fsr-3451	25	2	literature	literature	NOUN
fsr-3451	25	3	identifies	identify	VERB
fsr-3451	25	4	several	several	ADJ
fsr-3451	25	5	research	research	NOUN
fsr-3451	25	6	gaps	gap	NOUN
fsr-3451	25	7	concerning	concern	VERB
fsr-3451	25	8	the	the	DET
fsr-3451	25	9	various	various	ADJ
fsr-3451	25	10	antecedents	antecedent	NOUN
fsr-3451	25	11	of	of	ADP
fsr-3451	25	12	loyalty	loyalty	NOUN
fsr-3451	25	13	applicable	applicable	ADJ
fsr-3451	25	14	to	to	ADP
fsr-3451	25	15	mbas	mbas	NOUN
fsr-3451	25	16	based	base	VERB
fsr-3451	25	17	on	on	ADP
fsr-3451	25	18	the	the	DET
fsr-3451	25	19	perceptions	perception	NOUN
fsr-3451	25	20	of	of	ADP
fsr-3451	25	21	ybcs	ybc	NOUN
fsr-3451	25	22	.	.	PUNCT
fsr-3451	26	1	in	in	ADP
fsr-3451	26	2	their	their	PRON
fsr-3451	26	3	review	review	NOUN
fsr-3451	26	4	of	of	ADP
fsr-3451	26	5	the	the	DET
fsr-3451	26	6	loyalty	loyalty	NOUN
fsr-3451	26	7	literature	literature	NOUN
fsr-3451	26	8	,	,	PUNCT
fsr-3451	26	9	kandampully	kandampully	PROPN
fsr-3451	26	10	,	,	PUNCT
fsr-3451	26	11	zhang	zhang	PROPN
fsr-3451	26	12	,	,	PUNCT
fsr-3451	26	13	and	and	CCONJ
fsr-3451	26	14	bilgihan	bilgihan	ADV
fsr-3451	26	15	(	(	PUNCT
fsr-3451	26	16	2015	2015	NUM
fsr-3451	26	17	)	)	PUNCT
fsr-3451	26	18	highlight	highlight	VERB
fsr-3451	26	19	the	the	DET
fsr-3451	26	20	mobile	mobile	ADJ
fsr-3451	26	21	loyalty	loyalty	NOUN
fsr-3451	26	22	of	of	ADP
fsr-3451	26	23	the	the	DET
fsr-3451	26	24	young	young	ADJ
fsr-3451	26	25	generation	generation	NOUN
fsr-3451	26	26	as	as	ADP
fsr-3451	26	27	a	a	DET
fsr-3451	26	28	future	future	ADJ
fsr-3451	26	29	research	research	NOUN
fsr-3451	26	30	area	area	NOUN
fsr-3451	26	31	.	.	PUNCT
fsr-3451	27	1	in	in	ADP
fsr-3451	27	2	another	another	DET
fsr-3451	27	3	review	review	NOUN
fsr-3451	27	4	of	of	ADP
fsr-3451	27	5	the	the	DET
fsr-3451	27	6	mobile	mobile	ADJ
fsr-3451	27	7	banking	banking	NOUN
fsr-3451	27	8	literature	literature	NOUN
fsr-3451	27	9	,	,	PUNCT
fsr-3451	27	10	tam	tam	PROPN
fsr-3451	27	11	and	and	CCONJ
fsr-3451	27	12	oliveira	oliveira	PROPN
fsr-3451	27	13	(	(	PUNCT
fsr-3451	27	14	2017	2017	NUM
fsr-3451	27	15	,	,	PUNCT
fsr-3451	27	16	p.	p.	NOUN
fsr-3451	27	17	1060	1060	NUM
fsr-3451	27	18	)	)	PUNCT
fsr-3451	27	19	state	state	NOUN
fsr-3451	27	20	that	that	SCONJ
fsr-3451	27	21	“	"	PUNCT
fsr-3451	27	22	knowing	know	VERB
fsr-3451	27	23	the	the	DET
fsr-3451	27	24	determinants	determinant	NOUN
fsr-3451	27	25	of	of	ADP
fsr-3451	27	26	the	the	DET
fsr-3451	27	27	postadoption	postadoption	NOUN
fsr-3451	27	28	phase	phase	NOUN
fsr-3451	27	29	,	,	PUNCT
fsr-3451	27	30	and	and	CCONJ
fsr-3451	27	31	keeping	keep	VERB
fsr-3451	27	32	customers	customer	NOUN
fsr-3451	27	33	loyal	loyal	ADJ
fsr-3451	27	34	to	to	ADP
fsr-3451	27	35	m	m	NOUN
fsr-3451	27	36	-	-	PUNCT
fsr-3451	27	37	banking	banking	NOUN
fsr-3451	27	38	are	be	AUX
fsr-3451	27	39	the	the	DET
fsr-3451	27	40	emerging	emerge	VERB
fsr-3451	27	41	issues	issue	NOUN
fsr-3451	27	42	that	that	PRON
fsr-3451	27	43	should	should	AUX
fsr-3451	27	44	be	be	AUX
fsr-3451	27	45	considered	consider	VERB
fsr-3451	27	46	in	in	ADP
fsr-3451	27	47	future	future	ADJ
fsr-3451	27	48	research	research	NOUN
fsr-3451	27	49	.	.	PUNCT
fsr-3451	27	50	”	"	PUNCT
fsr-3451	28	1	larsson	larsson	PROPN
fsr-3451	28	2	and	and	CCONJ
fsr-3451	28	3	viitaoja	viitaoja	NOUN
fsr-3451	28	4	(	(	PUNCT
fsr-3451	28	5	2017	2017	NUM
fsr-3451	28	6	)	)	PUNCT
fsr-3451	28	7	emphasize	emphasize	VERB
fsr-3451	28	8	the	the	DET
fsr-3451	28	9	need	need	NOUN
fsr-3451	28	10	to	to	PART
fsr-3451	28	11	investigate	investigate	VERB
fsr-3451	28	12	how	how	SCONJ
fsr-3451	28	13	usability	usability	NOUN
fsr-3451	28	14	affects	affect	VERB
fsr-3451	28	15	loyalty	loyalty	NOUN
fsr-3451	28	16	.	.	PUNCT
fsr-3451	29	1	another	another	DET
fsr-3451	29	2	research	research	NOUN
fsr-3451	29	3	area	area	NOUN
fsr-3451	29	4	was	be	AUX
fsr-3451	29	5	summarized	summarize	VERB
fsr-3451	29	6	by	by	ADP
fsr-3451	29	7	chakraborty	chakraborty	NOUN
fsr-3451	29	8	and	and	CCONJ
fsr-3451	29	9	sengupta	sengupta	NOUN
fsr-3451	29	10	(	(	PUNCT
fsr-3451	29	11	2013	2013	NUM
fsr-3451	29	12	)	)	PUNCT
fsr-3451	29	13	,	,	PUNCT
fsr-3451	29	14	who	who	PRON
fsr-3451	29	15	discuss	discuss	VERB
fsr-3451	29	16	the	the	DET
fsr-3451	29	17	need	need	NOUN
fsr-3451	29	18	to	to	PART
fsr-3451	29	19	study	study	VERB
fsr-3451	29	20	the	the	DET
fsr-3451	29	21	relationship	relationship	NOUN
fsr-3451	29	22	between	between	ADP
fsr-3451	29	23	customer	customer	NOUN
fsr-3451	29	24	satisfaction	satisfaction	NOUN
fsr-3451	29	25	and	and	CCONJ
fsr-3451	29	26	loyalty	loyalty	NOUN
fsr-3451	29	27	in	in	ADP
fsr-3451	29	28	the	the	DET
fsr-3451	29	29	mba	mba	NOUN
fsr-3451	29	30	context	context	NOUN
fsr-3451	29	31	.	.	PUNCT
fsr-3451	30	1	iberahim	iberahim	PROPN
fsr-3451	30	2	,	,	PUNCT
fsr-3451	30	3	taufik	taufik	INTJ
fsr-3451	30	4	,	,	PUNCT
fsr-3451	30	5	adzmir	adzmir	ADV
fsr-3451	30	6	,	,	PUNCT
fsr-3451	30	7	and	and	CCONJ
fsr-3451	30	8	saharuddin	saharuddin	ADV
fsr-3451	30	9	(	(	PUNCT
fsr-3451	30	10	2016	2016	NUM
fsr-3451	30	11	)	)	PUNCT
fsr-3451	30	12	investigate	investigate	VERB
fsr-3451	30	13	reliability	reliability	NOUN
fsr-3451	30	14	and	and	CCONJ
fsr-3451	30	15	responsiveness	responsiveness	NOUN
fsr-3451	30	16	in	in	ADP
fsr-3451	30	17	the	the	DET
fsr-3451	30	18	automated	automate	VERB
fsr-3451	30	19	teller	teller	NOUN
fsr-3451	30	20	machine	machine	NOUN
fsr-3451	30	21	(	(	PUNCT
fsr-3451	30	22	atm	atm	NOUN
fsr-3451	30	23	)	)	PUNCT
fsr-3451	30	24	context	context	NOUN
fsr-3451	30	25	,	,	PUNCT
fsr-3451	30	26	and	and	CCONJ
fsr-3451	30	27	suggest	suggest	VERB
fsr-3451	30	28	considering	consider	VERB
fsr-3451	30	29	these	these	DET
fsr-3451	30	30	concepts	concept	NOUN
fsr-3451	30	31	in	in	ADP
fsr-3451	30	32	other	other	ADJ
fsr-3451	30	33	contexts	context	NOUN
fsr-3451	30	34	as	as	ADV
fsr-3451	30	35	well	well	ADV
fsr-3451	30	36	.	.	PUNCT
fsr-3451	31	1	addressing	address	VERB
fsr-3451	31	2	these	these	DET
fsr-3451	31	3	research	research	NOUN
fsr-3451	31	4	gaps	gap	NOUN
fsr-3451	31	5	,	,	PUNCT
fsr-3451	31	6	the	the	DET
fsr-3451	31	7	current	current	ADJ
fsr-3451	31	8	study	study	NOUN
fsr-3451	31	9	investigates	investigate	VERB
fsr-3451	31	10	how	how	SCONJ
fsr-3451	31	11	ybcs	ybc	VERB
fsr-3451	31	12	perceive	perceive	VERB
fsr-3451	31	13	the	the	DET
fsr-3451	31	14	relationships	relationship	NOUN
fsr-3451	31	15	between	between	ADP
fsr-3451	31	16	a	a	DET
fsr-3451	31	17	number	number	NOUN
fsr-3451	31	18	of	of	ADP
fsr-3451	31	19	antecedents	antecedent	NOUN
fsr-3451	31	20	(	(	PUNCT
fsr-3451	31	21	i.e.	i.e.	X
fsr-3451	31	22	,	,	PUNCT
fsr-3451	31	23	usability	usability	NOUN
fsr-3451	31	24	,	,	PUNCT
fsr-3451	31	25	responsiveness	responsiveness	NOUN
fsr-3451	31	26	,	,	PUNCT
fsr-3451	31	27	customer	customer	NOUN
fsr-3451	31	28	satisfaction	satisfaction	NOUN
fsr-3451	31	29	,	,	PUNCT
fsr-3451	31	30	and	and	CCONJ
fsr-3451	31	31	reliability	reliability	NOUN
fsr-3451	31	32	)	)	PUNCT
fsr-3451	31	33	and	and	CCONJ
fsr-3451	31	34	loyalty	loyalty	NOUN
fsr-3451	31	35	in	in	ADP
fsr-3451	31	36	the	the	DET
fsr-3451	31	37	context	context	NOUN
fsr-3451	31	38	of	of	ADP
fsr-3451	31	39	mbas	mbas	NOUN
fsr-3451	31	40	.	.	PUNCT
fsr-3451	32	1	the	the	DET
fsr-3451	32	2	structure	structure	NOUN
fsr-3451	32	3	of	of	ADP
fsr-3451	32	4	the	the	DET
fsr-3451	32	5	rest	rest	NOUN
fsr-3451	32	6	of	of	ADP
fsr-3451	32	7	the	the	DET
fsr-3451	32	8	article	article	NOUN
fsr-3451	32	9	is	be	AUX
fsr-3451	32	10	as	as	SCONJ
fsr-3451	32	11	follows	follow	VERB
fsr-3451	32	12	:	:	PUNCT
fsr-3451	32	13	the	the	DET
fsr-3451	32	14	next	next	ADJ
fsr-3451	32	15	section	section	NOUN
fsr-3451	32	16	presents	present	VERB
fsr-3451	32	17	the	the	DET
fsr-3451	32	18	frame	frame	NOUN
fsr-3451	32	19	of	of	ADP
fsr-3451	32	20	reference	reference	NOUN
fsr-3451	32	21	;	;	PUNCT
fsr-3451	32	22	section	section	NOUN
fsr-3451	32	23	three	three	NUM
fsr-3451	32	24	concerns	concern	NOUN
fsr-3451	32	25	methodological	methodological	ADJ
fsr-3451	32	26	issues	issue	NOUN
fsr-3451	32	27	;	;	PUNCT
fsr-3451	32	28	section	section	NOUN
fsr-3451	32	29	four	four	NUM
fsr-3451	32	30	presents	present	VERB
fsr-3451	32	31	the	the	DET
fsr-3451	32	32	results	result	NOUN
fsr-3451	32	33	;	;	PUNCT
fsr-3451	32	34	and	and	CCONJ
fsr-3451	32	35	section	section	NOUN
fsr-3451	32	36	five	five	NUM
fsr-3451	32	37	concludes	conclude	VERB
fsr-3451	32	38	the	the	DET
fsr-3451	32	39	article	article	NOUN
fsr-3451	32	40	.	.	PUNCT
fsr-3451	33	1	2	2	X
fsr-3451	33	2	.	.	X
fsr-3451	33	3	frame	frame	NOUN
fsr-3451	33	4	of	of	ADP
fsr-3451	33	5	reference	reference	NOUN
fsr-3451	33	6	and	and	CCONJ
fsr-3451	33	7	hypothesis	hypothesis	NOUN
fsr-3451	33	8	development	development	NOUN
fsr-3451	33	9	2.1	2.1	NUM
fsr-3451	33	10	.	.	PUNCT
fsr-3451	34	1	the	the	DET
fsr-3451	34	2	context	context	NOUN
fsr-3451	34	3	of	of	ADP
fsr-3451	34	4	the	the	DET
fsr-3451	34	5	study	study	NOUN
fsr-3451	34	6	2.1.1	2.1.1	NUM
fsr-3451	34	7	.	.	PUNCT
fsr-3451	35	1	mobile	mobile	ADJ
fsr-3451	35	2	financial	financial	ADJ
fsr-3451	35	3	services	service	NOUN
fsr-3451	35	4	shaikh	shaikh	NOUN
fsr-3451	35	5	and	and	CCONJ
fsr-3451	35	6	karjaluoto	karjaluoto	PROPN
fsr-3451	35	7	(	(	PUNCT
fsr-3451	35	8	2019	2019	NUM
fsr-3451	35	9	)	)	PUNCT
fsr-3451	35	10	argue	argue	VERB
fsr-3451	35	11	that	that	SCONJ
fsr-3451	35	12	mobile	mobile	ADJ
fsr-3451	35	13	financial	financial	ADJ
fsr-3451	35	14	services	service	NOUN
fsr-3451	35	15	can	can	AUX
fsr-3451	35	16	be	be	AUX
fsr-3451	35	17	divided	divide	VERB
fsr-3451	35	18	into	into	ADP
fsr-3451	35	19	mobile	mobile	ADJ
fsr-3451	35	20	banking	banking	NOUN
fsr-3451	35	21	,	,	PUNCT
fsr-3451	35	22	mobile	mobile	ADJ
fsr-3451	35	23	payments	payment	NOUN
fsr-3451	35	24	,	,	PUNCT
fsr-3451	35	25	and	and	CCONJ
fsr-3451	35	26	mobile	mobile	ADJ
fsr-3451	35	27	money	money	NOUN
fsr-3451	35	28	.	.	PUNCT
fsr-3451	36	1	the	the	DET
fsr-3451	36	2	first	first	ADJ
fsr-3451	36	3	two	two	NUM
fsr-3451	36	4	types	type	NOUN
fsr-3451	36	5	of	of	ADP
fsr-3451	36	6	mobile	mobile	ADJ
fsr-3451	36	7	financial	financial	ADJ
fsr-3451	36	8	148	148	NUM
fsr-3451	36	9	m.	m.	NOUN
fsr-3451	36	10	nourallah	nourallah	NOUN
fsr-3451	36	11	et	et	PROPN
fsr-3451	36	12	al	al	PROPN
fsr-3451	36	13	.	.	PUNCT
fsr-3451	36	14	/	/	SYM
fsr-3451	36	15	financial	financial	ADJ
fsr-3451	36	16	services	service	NOUN
fsr-3451	36	17	review	review	VERB
fsr-3451	36	18	29	29	NUM
fsr-3451	36	19	(	(	PUNCT
fsr-3451	36	20	2021	2021	NUM
fsr-3451	36	21	)	)	PUNCT
fsr-3451	37	1	147–167	147–167	NUM
fsr-3451	37	2	services	service	NOUN
fsr-3451	37	3	are	be	AUX
fsr-3451	37	4	found	find	VERB
fsr-3451	37	5	in	in	ADP
fsr-3451	37	6	more	more	ADJ
fsr-3451	37	7	inclusive	inclusive	ADJ
fsr-3451	37	8	financial	financial	ADJ
fsr-3451	37	9	systems	system	NOUN
fsr-3451	37	10	,	,	PUNCT
fsr-3451	37	11	for	for	ADP
fsr-3451	37	12	example	example	NOUN
fsr-3451	37	13	,	,	PUNCT
fsr-3451	37	14	in	in	ADP
fsr-3451	37	15	sweden	sweden	PROPN
fsr-3451	37	16	,	,	PUNCT
fsr-3451	37	17	and	and	CCONJ
fsr-3451	37	18	are	be	AUX
fsr-3451	37	19	conducted	conduct	VERB
fsr-3451	37	20	with	with	ADP
fsr-3451	37	21	more	more	ADJ
fsr-3451	37	22	inclusive	inclusive	ADJ
fsr-3451	37	23	customer	customer	NOUN
fsr-3451	37	24	segments	segment	NOUN
fsr-3451	37	25	,	,	PUNCT
fsr-3451	37	26	that	that	ADV
fsr-3451	37	27	is	is	ADV
fsr-3451	37	28	,	,	PUNCT
fsr-3451	37	29	customers	customer	NOUN
fsr-3451	37	30	who	who	PRON
fsr-3451	37	31	have	have	VERB
fsr-3451	37	32	access	access	NOUN
fsr-3451	37	33	to	to	ADP
fsr-3451	37	34	banking	banking	NOUN
fsr-3451	37	35	services	service	NOUN
fsr-3451	37	36	.	.	PUNCT
fsr-3451	38	1	the	the	DET
fsr-3451	38	2	third	third	ADJ
fsr-3451	38	3	service	service	NOUN
fsr-3451	38	4	represents	represent	VERB
fsr-3451	38	5	a	a	DET
fsr-3451	38	6	relationship	relationship	NOUN
fsr-3451	38	7	between	between	ADP
fsr-3451	38	8	a	a	DET
fsr-3451	38	9	mobile	mobile	ADJ
fsr-3451	38	10	money	money	NOUN
fsr-3451	38	11	solution	solution	NOUN
fsr-3451	38	12	,	,	PUNCT
fsr-3451	38	13	such	such	ADJ
fsr-3451	38	14	as	as	ADP
fsr-3451	38	15	m	m	NOUN
fsr-3451	38	16	-	-	NOUN
fsr-3451	38	17	pesa	pesa	NOUN
fsr-3451	38	18	,	,	PUNCT
fsr-3451	38	19	and	and	CCONJ
fsr-3451	38	20	nonbank	nonbank	NOUN
fsr-3451	38	21	customers	customer	NOUN
fsr-3451	38	22	.	.	PUNCT
fsr-3451	39	1	this	this	DET
fsr-3451	39	2	service	service	NOUN
fsr-3451	39	3	is	be	AUX
fsr-3451	39	4	common	common	ADJ
fsr-3451	39	5	in	in	ADP
fsr-3451	39	6	less	less	ADJ
fsr-3451	39	7	inclusive	inclusive	ADJ
fsr-3451	39	8	financial	financial	ADJ
fsr-3451	39	9	systems	system	NOUN
fsr-3451	39	10	,	,	PUNCT
fsr-3451	39	11	for	for	ADP
fsr-3451	39	12	example	example	NOUN
fsr-3451	39	13	,	,	PUNCT
fsr-3451	39	14	in	in	ADP
fsr-3451	39	15	sub	sub	ADJ
fsr-3451	39	16	-	-	ADJ
fsr-3451	39	17	saharan	saharan	ADJ
fsr-3451	39	18	africa	africa	PROPN
fsr-3451	39	19	(	(	PUNCT
fsr-3451	39	20	demirguc	demirguc	PROPN
fsr-3451	39	21	-	-	PUNCT
fsr-3451	39	22	kunt	kunt	PROPN
fsr-3451	39	23	,	,	PUNCT
fsr-3451	39	24	klapper	klapper	NOUN
fsr-3451	39	25	,	,	PUNCT
fsr-3451	39	26	singer	singer	NOUN
fsr-3451	39	27	,	,	PUNCT
fsr-3451	39	28	ansar	ansar	PROPN
fsr-3451	39	29	,	,	PUNCT
fsr-3451	39	30	&	&	CCONJ
fsr-3451	39	31	hess	hess	PROPN
fsr-3451	39	32	,	,	PUNCT
fsr-3451	39	33	2018	2018	NUM
fsr-3451	39	34	)	)	PUNCT
fsr-3451	39	35	,	,	PUNCT
fsr-3451	39	36	and	and	CCONJ
fsr-3451	39	37	in	in	ADP
fsr-3451	39	38	less	less	ADJ
fsr-3451	39	39	inclusive	inclusive	ADJ
fsr-3451	39	40	customer	customer	NOUN
fsr-3451	39	41	segments	segment	NOUN
fsr-3451	39	42	,	,	PUNCT
fsr-3451	39	43	that	that	ADV
fsr-3451	39	44	is	is	ADV
fsr-3451	39	45	,	,	PUNCT
fsr-3451	39	46	customers	customer	NOUN
fsr-3451	39	47	who	who	PRON
fsr-3451	39	48	face	face	VERB
fsr-3451	39	49	difficulties	difficulty	NOUN
fsr-3451	39	50	(	(	PUNCT
fsr-3451	39	51	e.g.	e.g.	ADV
fsr-3451	39	52	,	,	PUNCT
fsr-3451	39	53	long	long	ADJ
fsr-3451	39	54	distance	distance	NOUN
fsr-3451	39	55	)	)	PUNCT
fsr-3451	39	56	in	in	ADP
fsr-3451	39	57	accessing	access	VERB
fsr-3451	39	58	banking	banking	NOUN
fsr-3451	39	59	services	service	NOUN
fsr-3451	39	60	.	.	PUNCT
fsr-3451	40	1	shaikh	shaikh	PROPN
fsr-3451	40	2	and	and	CCONJ
fsr-3451	40	3	karjaluoto	karjaluoto	PROPN
fsr-3451	40	4	(	(	PUNCT
fsr-3451	40	5	2019	2019	NUM
fsr-3451	40	6	)	)	PUNCT
fsr-3451	40	7	examine	examine	VERB
fsr-3451	40	8	the	the	DET
fsr-3451	40	9	landscape	landscape	NOUN
fsr-3451	40	10	of	of	ADP
fsr-3451	40	11	mobile	mobile	ADJ
fsr-3451	40	12	financial	financial	ADJ
fsr-3451	40	13	services	service	NOUN
fsr-3451	40	14	,	,	PUNCT
fsr-3451	40	15	giving	give	VERB
fsr-3451	40	16	insight	insight	NOUN
fsr-3451	40	17	into	into	ADP
fsr-3451	40	18	the	the	DET
fsr-3451	40	19	types	type	NOUN
fsr-3451	40	20	of	of	ADP
fsr-3451	40	21	relationships	relationship	NOUN
fsr-3451	40	22	between	between	ADP
fsr-3451	40	23	more	more	ADJ
fsr-3451	40	24	or	or	CCONJ
fsr-3451	40	25	less	less	ADV
fsr-3451	40	26	inclusive	inclusive	ADJ
fsr-3451	40	27	financial	financial	ADJ
fsr-3451	40	28	systems	system	NOUN
fsr-3451	40	29	and	and	CCONJ
fsr-3451	40	30	more	more	ADJ
fsr-3451	40	31	or	or	CCONJ
fsr-3451	40	32	less	less	ADV
fsr-3451	40	33	inclusive	inclusive	ADJ
fsr-3451	40	34	customer	customer	NOUN
fsr-3451	40	35	segments	segment	NOUN
fsr-3451	40	36	.	.	PUNCT
fsr-3451	41	1	however	however	ADV
fsr-3451	41	2	,	,	PUNCT
fsr-3451	41	3	they	they	PRON
fsr-3451	41	4	do	do	AUX
fsr-3451	41	5	not	not	PART
fsr-3451	41	6	differentiate	differentiate	VERB
fsr-3451	41	7	between	between	ADP
fsr-3451	41	8	the	the	DET
fsr-3451	41	9	types	type	NOUN
fsr-3451	41	10	of	of	ADP
fsr-3451	41	11	financial	financial	ADJ
fsr-3451	41	12	institutions	institution	NOUN
fsr-3451	41	13	that	that	PRON
fsr-3451	41	14	offer	offer	VERB
fsr-3451	41	15	mobile	mobile	ADJ
fsr-3451	41	16	financial	financial	ADJ
fsr-3451	41	17	services	service	NOUN
fsr-3451	41	18	,	,	PUNCT
fsr-3451	41	19	that	that	ADV
fsr-3451	41	20	is	is	ADV
fsr-3451	41	21	,	,	PUNCT
fsr-3451	41	22	traditional	traditional	ADJ
fsr-3451	41	23	banks	bank	NOUN
fsr-3451	41	24	and	and	CCONJ
fsr-3451	41	25	fintech	fintech	NOUN
fsr-3451	41	26	companies	company	NOUN
fsr-3451	41	27	.	.	PUNCT
fsr-3451	42	1	shaikh	shaikh	PROPN
fsr-3451	42	2	and	and	CCONJ
fsr-3451	42	3	karjaluoto	karjaluoto	PROPN
fsr-3451	42	4	(	(	PUNCT
fsr-3451	42	5	2019	2019	NUM
fsr-3451	42	6	)	)	PUNCT
fsr-3451	42	7	use	use	VERB
fsr-3451	42	8	mobile	mobile	ADJ
fsr-3451	42	9	banking	banking	NOUN
fsr-3451	42	10	to	to	PART
fsr-3451	42	11	refer	refer	VERB
fsr-3451	42	12	to	to	ADP
fsr-3451	42	13	various	various	ADJ
fsr-3451	42	14	types	type	NOUN
fsr-3451	42	15	of	of	ADP
fsr-3451	42	16	mobile	mobile	ADJ
fsr-3451	42	17	financial	financial	ADJ
fsr-3451	42	18	services	service	NOUN
fsr-3451	42	19	,	,	PUNCT
fsr-3451	42	20	including	include	VERB
fsr-3451	42	21	mobile	mobile	ADJ
fsr-3451	42	22	banking	banking	NOUN
fsr-3451	42	23	provided	provide	VERB
fsr-3451	42	24	by	by	ADP
fsr-3451	42	25	traditional	traditional	ADJ
fsr-3451	42	26	banks	bank	NOUN
fsr-3451	42	27	.	.	PUNCT
fsr-3451	43	1	because	because	SCONJ
fsr-3451	43	2	mobile	mobile	ADJ
fsr-3451	43	3	banking	banking	NOUN
fsr-3451	43	4	does	do	AUX
fsr-3451	43	5	not	not	PART
fsr-3451	43	6	represent	represent	VERB
fsr-3451	43	7	a	a	DET
fsr-3451	43	8	homogeneous	homogeneous	ADJ
fsr-3451	43	9	type	type	NOUN
fsr-3451	43	10	,	,	PUNCT
fsr-3451	43	11	it	it	PRON
fsr-3451	43	12	can	can	AUX
fsr-3451	43	13	be	be	AUX
fsr-3451	43	14	divided	divide	VERB
fsr-3451	43	15	into	into	ADP
fsr-3451	43	16	services	service	NOUN
fsr-3451	43	17	provided	provide	VERB
fsr-3451	43	18	by	by	ADP
fsr-3451	43	19	wireless	wireless	ADJ
fsr-3451	43	20	application	application	NOUN
fsr-3451	43	21	protocol	protocol	NOUN
fsr-3451	43	22	(	(	PUNCT
fsr-3451	43	23	wap	wap	PROPN
fsr-3451	43	24	)	)	PUNCT
fsr-3451	43	25	,	,	PUNCT
fsr-3451	43	26	short	short	ADJ
fsr-3451	43	27	message	message	NOUN
fsr-3451	43	28	service	service	NOUN
fsr-3451	43	29	(	(	PUNCT
fsr-3451	43	30	sms	sms	PROPN
fsr-3451	43	31	)	)	PUNCT
fsr-3451	43	32	,	,	PUNCT
fsr-3451	43	33	and	and	CCONJ
fsr-3451	43	34	mbas	mbas	NOUN
fsr-3451	43	35	.	.	PUNCT
fsr-3451	44	1	it	it	PRON
fsr-3451	44	2	is	be	AUX
fsr-3451	44	3	worth	worth	ADJ
fsr-3451	44	4	noting	note	VERB
fsr-3451	44	5	that	that	SCONJ
fsr-3451	44	6	wap	wap	PROPN
fsr-3451	44	7	and	and	CCONJ
fsr-3451	44	8	sms	sms	PROPN
fsr-3451	44	9	banking	banking	NOUN
fsr-3451	44	10	represent	represent	VERB
fsr-3451	44	11	earlier	early	ADJ
fsr-3451	44	12	versions	version	NOUN
fsr-3451	44	13	of	of	ADP
fsr-3451	44	14	mobile	mobile	ADJ
fsr-3451	44	15	banking	banking	NOUN
fsr-3451	44	16	in	in	ADP
fsr-3451	44	17	which	which	PRON
fsr-3451	44	18	bank	bank	NOUN
fsr-3451	44	19	customers	customer	NOUN
fsr-3451	44	20	access	access	VERB
fsr-3451	44	21	their	their	PRON
fsr-3451	44	22	bank	bank	NOUN
fsr-3451	44	23	accounts	account	NOUN
fsr-3451	44	24	via	via	ADP
fsr-3451	44	25	either	either	CCONJ
fsr-3451	44	26	a	a	DET
fsr-3451	44	27	mobile	mobile	ADJ
fsr-3451	44	28	internet	internet	NOUN
fsr-3451	44	29	browser	browser	NOUN
fsr-3451	44	30	or	or	CCONJ
fsr-3451	44	31	sms	sm	NOUN
fsr-3451	44	32	.	.	PUNCT
fsr-3451	45	1	these	these	DET
fsr-3451	45	2	rudimentary	rudimentary	ADJ
fsr-3451	45	3	types	type	NOUN
fsr-3451	45	4	of	of	ADP
fsr-3451	45	5	mobile	mobile	ADJ
fsr-3451	45	6	banking	banking	NOUN
fsr-3451	45	7	prompted	prompt	VERB
fsr-3451	45	8	remarkable	remarkable	ADJ
fsr-3451	45	9	customer	customer	NOUN
fsr-3451	45	10	aversion	aversion	NOUN
fsr-3451	45	11	.	.	PUNCT
fsr-3451	46	1	for	for	ADP
fsr-3451	46	2	example	example	NOUN
fsr-3451	46	3	,	,	PUNCT
fsr-3451	46	4	during	during	ADP
fsr-3451	46	5	the	the	DET
fsr-3451	46	6	2003–2006	2003–2006	NUM
fsr-3451	46	7	period	period	NOUN
fsr-3451	46	8	,	,	PUNCT
fsr-3451	46	9	15	15	NUM
fsr-3451	46	10	german	german	ADJ
fsr-3451	46	11	banks	bank	NOUN
fsr-3451	46	12	stopped	stop	VERB
fsr-3451	46	13	offering	offer	VERB
fsr-3451	46	14	such	such	ADJ
fsr-3451	46	15	services	service	NOUN
fsr-3451	46	16	to	to	ADP
fsr-3451	46	17	customers	customer	NOUN
fsr-3451	46	18	due	due	ADP
fsr-3451	46	19	to	to	ADP
fsr-3451	46	20	lack	lack	NOUN
fsr-3451	46	21	of	of	ADP
fsr-3451	46	22	use	use	NOUN
fsr-3451	46	23	(	(	PUNCT
fsr-3451	46	24	scornavacca	scornavacca	PROPN
fsr-3451	46	25	&	&	CCONJ
fsr-3451	46	26	hoehle	hoehle	PROPN
fsr-3451	46	27	,	,	PUNCT
fsr-3451	46	28	2007).1	2007).1	NUM
fsr-3451	46	29	in	in	ADP
fsr-3451	46	30	south	south	PROPN
fsr-3451	46	31	korea	korea	PROPN
fsr-3451	46	32	,	,	PUNCT
fsr-3451	46	33	only	only	ADV
fsr-3451	46	34	4	4	NUM
fsr-3451	46	35	%	%	NOUN
fsr-3451	46	36	of	of	ADP
fsr-3451	46	37	online	online	ADJ
fsr-3451	46	38	customers	customer	NOUN
fsr-3451	46	39	adopted	adopt	VERB
fsr-3451	46	40	these	these	DET
fsr-3451	46	41	earlier	early	ADJ
fsr-3451	46	42	versions	version	NOUN
fsr-3451	46	43	of	of	ADP
fsr-3451	46	44	mobile	mobile	ADJ
fsr-3451	46	45	banking	banking	NOUN
fsr-3451	46	46	in	in	ADP
fsr-3451	46	47	that	that	DET
fsr-3451	46	48	period	period	NOUN
fsr-3451	46	49	(	(	PUNCT
fsr-3451	46	50	lee	lee	PROPN
fsr-3451	46	51	,	,	PUNCT
fsr-3451	46	52	park	park	PROPN
fsr-3451	46	53	,	,	PUNCT
fsr-3451	46	54	chung	chung	PROPN
fsr-3451	46	55	,	,	PUNCT
fsr-3451	46	56	and	and	CCONJ
fsr-3451	46	57	blakeney	blakeney	PROPN
fsr-3451	46	58	,	,	PUNCT
fsr-3451	46	59	2012	2012	NUM
fsr-3451	46	60	)	)	PUNCT
fsr-3451	46	61	.	.	PUNCT
fsr-3451	47	1	moreover	moreover	ADV
fsr-3451	47	2	,	,	PUNCT
fsr-3451	47	3	“	"	PUNCT
fsr-3451	47	4	in	in	ADP
fsr-3451	47	5	2003	2003	NUM
fsr-3451	47	6	.	.	PUNCT
fsr-3451	47	7	.	.	PUNCT
fsr-3451	47	8	.	.	PUNCT
fsr-3451	48	1	less	less	ADJ
fsr-3451	48	2	than	than	ADP
fsr-3451	48	3	1	1	NUM
fsr-3451	48	4	%	%	NOUN
fsr-3451	48	5	of	of	ADP
fsr-3451	48	6	banking	banking	NOUN
fsr-3451	48	7	transactions	transaction	NOUN
fsr-3451	48	8	in	in	ADP
fsr-3451	48	9	taiwan	taiwan	PROPN
fsr-3451	48	10	were	be	AUX
fsr-3451	48	11	conducted	conduct	VERB
fsr-3451	48	12	through	through	ADP
fsr-3451	48	13	mobile	mobile	ADJ
fsr-3451	48	14	handsets	handset	NOUN
fsr-3451	48	15	”	"	PUNCT
fsr-3451	48	16	(	(	PUNCT
fsr-3451	48	17	luarn	luarn	PROPN
fsr-3451	48	18	&	&	CCONJ
fsr-3451	48	19	lin	lin	PROPN
fsr-3451	48	20	,	,	PUNCT
fsr-3451	48	21	2005	2005	NUM
fsr-3451	48	22	,	,	PUNCT
fsr-3451	48	23	p.	p.	NOUN
fsr-3451	48	24	874	874	NUM
fsr-3451	48	25	)	)	PUNCT
fsr-3451	48	26	.	.	PUNCT
fsr-3451	49	1	similar	similar	ADJ
fsr-3451	49	2	situations	situation	NOUN
fsr-3451	49	3	existed	exist	VERB
fsr-3451	49	4	in	in	ADP
fsr-3451	49	5	finland	finland	PROPN
fsr-3451	49	6	(	(	PUNCT
fsr-3451	49	7	suoranta	suoranta	NOUN
fsr-3451	49	8	&	&	CCONJ
fsr-3451	49	9	mattila	mattila	NOUN
fsr-3451	49	10	,	,	PUNCT
fsr-3451	49	11	2004	2004	NUM
fsr-3451	49	12	)	)	PUNCT
fsr-3451	49	13	,	,	PUNCT
fsr-3451	49	14	china	china	PROPN
fsr-3451	49	15	(	(	PUNCT
fsr-3451	49	16	laforet	laforet	PROPN
fsr-3451	49	17	&	&	CCONJ
fsr-3451	49	18	li	li	PROPN
fsr-3451	49	19	,	,	PUNCT
fsr-3451	49	20	2005	2005	NUM
fsr-3451	49	21	)	)	PUNCT
fsr-3451	49	22	,	,	PUNCT
fsr-3451	49	23	and	and	CCONJ
fsr-3451	49	24	the	the	DET
fsr-3451	49	25	united	united	PROPN
fsr-3451	49	26	states	states	PROPN
fsr-3451	49	27	(	(	PUNCT
fsr-3451	49	28	mallat	mallat	ADJ
fsr-3451	49	29	,	,	PUNCT
fsr-3451	49	30	rossi	rossi	ADJ
fsr-3451	49	31	,	,	PUNCT
fsr-3451	49	32	&	&	CCONJ
fsr-3451	49	33	tuunainen	tuunainen	PROPN
fsr-3451	49	34	,	,	PUNCT
fsr-3451	49	35	2004	2004	NUM
fsr-3451	49	36	)	)	PUNCT
fsr-3451	49	37	.	.	PUNCT
fsr-3451	50	1	earlier	early	ADJ
fsr-3451	50	2	versions	version	NOUN
fsr-3451	50	3	of	of	ADP
fsr-3451	50	4	mobile	mobile	ADJ
fsr-3451	50	5	banking	banking	NOUN
fsr-3451	50	6	were	be	AUX
fsr-3451	50	7	not	not	PART
fsr-3451	50	8	as	as	ADV
fsr-3451	50	9	widespread	widespread	ADJ
fsr-3451	50	10	as	as	SCONJ
fsr-3451	50	11	expected	expect	VERB
fsr-3451	50	12	(	(	PUNCT
fsr-3451	50	13	koenig	koenig	PROPN
fsr-3451	50	14	-	-	PUNCT
fsr-3451	50	15	lewis	lewis	PROPN
fsr-3451	50	16	,	,	PUNCT
fsr-3451	50	17	palmer	palmer	PROPN
fsr-3451	50	18	,	,	PUNCT
fsr-3451	50	19	&	&	CCONJ
fsr-3451	50	20	moll	moll	PROPN
fsr-3451	50	21	,	,	PUNCT
fsr-3451	50	22	2010	2010	NUM
fsr-3451	50	23	;	;	PUNCT
fsr-3451	50	24	mohammadi	mohammadi	NOUN
fsr-3451	50	25	,	,	PUNCT
fsr-3451	50	26	2015	2015	NUM
fsr-3451	50	27	;	;	PUNCT
fsr-3451	50	28	shaikh	shaikh	PROPN
fsr-3451	50	29	&	&	CCONJ
fsr-3451	50	30	karjaluoto	karjaluoto	PROPN
fsr-3451	50	31	,	,	PUNCT
fsr-3451	50	32	2015	2015	NUM
fsr-3451	50	33	)	)	PUNCT
fsr-3451	50	34	.	.	PUNCT
fsr-3451	51	1	mobile	mobile	ADJ
fsr-3451	51	2	banking	banking	NOUN
fsr-3451	51	3	system	system	NOUN
fsr-3451	51	4	limitations	limitation	NOUN
fsr-3451	51	5	,	,	PUNCT
fsr-3451	51	6	such	such	ADJ
fsr-3451	51	7	as	as	ADP
fsr-3451	51	8	tiny	tiny	ADJ
fsr-3451	51	9	screens	screen	NOUN
fsr-3451	51	10	and	and	CCONJ
fsr-3451	51	11	keypads	keypad	NOUN
fsr-3451	51	12	and	and	CCONJ
fsr-3451	51	13	slower	slow	ADJ
fsr-3451	51	14	transaction	transaction	NOUN
fsr-3451	51	15	speeds	speed	NOUN
fsr-3451	51	16	,	,	PUNCT
fsr-3451	51	17	caused	cause	VERB
fsr-3451	51	18	this	this	DET
fsr-3451	51	19	aversion	aversion	NOUN
fsr-3451	51	20	(	(	PUNCT
fsr-3451	51	21	laukkanen	laukkanen	ADJ
fsr-3451	51	22	,	,	PUNCT
fsr-3451	51	23	2007	2007	NUM
fsr-3451	51	24	;	;	PUNCT
fsr-3451	51	25	lee	lee	PROPN
fsr-3451	51	26	&	&	CCONJ
fsr-3451	51	27	chung	chung	PROPN
fsr-3451	51	28	,	,	PUNCT
fsr-3451	51	29	2009	2009	NUM
fsr-3451	51	30	)	)	PUNCT
fsr-3451	51	31	.	.	PUNCT
fsr-3451	52	1	however	however	ADV
fsr-3451	52	2	,	,	PUNCT
fsr-3451	52	3	since	since	SCONJ
fsr-3451	52	4	2007	2007	NUM
fsr-3451	52	5	—	—	PUNCT
fsr-3451	52	6	after	after	SCONJ
fsr-3451	52	7	the	the	DET
fsr-3451	52	8	first	first	ADJ
fsr-3451	52	9	iphone	iphone	NOUN
fsr-3451	52	10	was	be	AUX
fsr-3451	52	11	launched	launch	VERB
fsr-3451	52	12	(	(	PUNCT
fsr-3451	52	13	shaikh	shaikh	PROPN
fsr-3451	52	14	&	&	CCONJ
fsr-3451	52	15	karjaluoto	karjaluoto	PROPN
fsr-3451	52	16	,	,	PUNCT
fsr-3451	52	17	2019)—the	2019)—the	DET
fsr-3451	52	18	situation	situation	NOUN
fsr-3451	52	19	changed	change	VERB
fsr-3451	52	20	dramatically	dramatically	ADV
fsr-3451	52	21	and	and	CCONJ
fsr-3451	52	22	mbas	mbas	NOUN
fsr-3451	52	23	have	have	AUX
fsr-3451	52	24	become	become	VERB
fsr-3451	52	25	a	a	DET
fsr-3451	52	26	basic	basic	ADJ
fsr-3451	52	27	means	mean	NOUN
fsr-3451	52	28	of	of	ADP
fsr-3451	52	29	conducting	conduct	VERB
fsr-3451	52	30	daily	daily	ADJ
fsr-3451	52	31	financial	financial	ADJ
fsr-3451	52	32	transactions	transaction	NOUN
fsr-3451	52	33	such	such	ADJ
fsr-3451	52	34	as	as	ADP
fsr-3451	52	35	checking	check	VERB
fsr-3451	52	36	balances	balance	NOUN
fsr-3451	52	37	,	,	PUNCT
fsr-3451	52	38	transferring	transfer	VERB
fsr-3451	52	39	money	money	NOUN
fsr-3451	52	40	,	,	PUNCT
fsr-3451	52	41	and	and	CCONJ
fsr-3451	52	42	paying	pay	VERB
fsr-3451	52	43	bills	bill	NOUN
fsr-3451	52	44	(	(	PUNCT
fsr-3451	52	45	liébana	liébana	PROPN
fsr-3451	52	46	-	-	PUNCT
fsr-3451	52	47	cabanillas	cabanilla	NOUN
fsr-3451	52	48	,	,	PUNCT
fsr-3451	52	49	alonso	alonso	NOUN
fsr-3451	52	50	-	-	PUNCT
fsr-3451	52	51	dos	do	NOUN
fsr-3451	52	52	-	-	PUNCT
fsr-3451	52	53	santos	santo	NOUN
fsr-3451	52	54	,	,	PUNCT
fsr-3451	52	55	soto	soto	NOUN
fsr-3451	52	56	-	-	PUNCT
fsr-3451	52	57	fuentes	fuentes	PROPN
fsr-3451	52	58	,	,	PUNCT
fsr-3451	52	59	&	&	CCONJ
fsr-3451	52	60	valderrama	valderrama	PROPN
fsr-3451	52	61	-	-	PUNCT
fsr-3451	52	62	palma	palma	NOUN
fsr-3451	52	63	,	,	PUNCT
fsr-3451	52	64	2017	2017	NUM
fsr-3451	52	65	;	;	PUNCT
fsr-3451	52	66	tan	tan	PROPN
fsr-3451	52	67	&	&	CCONJ
fsr-3451	52	68	lau	lau	PROPN
fsr-3451	52	69	,	,	PUNCT
fsr-3451	52	70	2016	2016	NUM
fsr-3451	52	71	)	)	PUNCT
fsr-3451	52	72	.	.	PUNCT
fsr-3451	53	1	this	this	DET
fsr-3451	53	2	change	change	NOUN
fsr-3451	53	3	likely	likely	ADV
fsr-3451	53	4	emerged	emerge	VERB
fsr-3451	53	5	due	due	ADJ
fsr-3451	53	6	to	to	ADP
fsr-3451	53	7	greater	great	ADJ
fsr-3451	53	8	accessibility	accessibility	NOUN
fsr-3451	53	9	to	to	ADP
fsr-3451	53	10	the	the	DET
fsr-3451	53	11	internet	internet	NOUN
fsr-3451	53	12	(	(	PUNCT
fsr-3451	53	13	lu	lu	PROPN
fsr-3451	53	14	,	,	PUNCT
fsr-3451	53	15	tzeng	tzeng	PROPN
fsr-3451	53	16	,	,	PUNCT
fsr-3451	53	17	cheng	cheng	PROPN
fsr-3451	53	18	,	,	PUNCT
fsr-3451	53	19	&	&	CCONJ
fsr-3451	53	20	hsu	hsu	PROPN
fsr-3451	53	21	,	,	PUNCT
fsr-3451	53	22	2015	2015	NUM
fsr-3451	53	23	)	)	PUNCT
fsr-3451	53	24	,	,	PUNCT
fsr-3451	53	25	advanced	advanced	ADJ
fsr-3451	53	26	generations	generation	NOUN
fsr-3451	53	27	of	of	ADP
fsr-3451	53	28	smartphones	smartphone	NOUN
fsr-3451	53	29	(	(	PUNCT
fsr-3451	53	30	shaikh	shaikh	PROPN
fsr-3451	53	31	&	&	CCONJ
fsr-3451	53	32	karjaluoto	karjaluoto	PROPN
fsr-3451	53	33	,	,	PUNCT
fsr-3451	53	34	2015	2015	NUM
fsr-3451	53	35	)	)	PUNCT
fsr-3451	53	36	,	,	PUNCT
fsr-3451	53	37	and	and	CCONJ
fsr-3451	53	38	the	the	DET
fsr-3451	53	39	development	development	NOUN
fsr-3451	53	40	of	of	ADP
fsr-3451	53	41	application	application	NOUN
fsr-3451	53	42	technology	technology	NOUN
fsr-3451	53	43	(	(	PUNCT
fsr-3451	53	44	sun	sun	PROPN
fsr-3451	53	45	,	,	PUNCT
fsr-3451	53	46	wang	wang	PROPN
fsr-3451	53	47	,	,	PUNCT
fsr-3451	53	48	&	&	CCONJ
fsr-3451	53	49	wang	wang	PROPN
fsr-3451	53	50	,	,	PUNCT
fsr-3451	53	51	2015	2015	NUM
fsr-3451	53	52	)	)	PUNCT
fsr-3451	53	53	.	.	PUNCT
fsr-3451	54	1	2.1.2	2.1.2	X
fsr-3451	54	2	.	.	PUNCT
fsr-3451	54	3	young	young	ADJ
fsr-3451	54	4	bank	bank	NOUN
fsr-3451	54	5	customers	customer	NOUN
fsr-3451	54	6	young	young	ADJ
fsr-3451	54	7	customers	customer	NOUN
fsr-3451	54	8	are	be	AUX
fsr-3451	54	9	more	more	ADV
fsr-3451	54	10	enthusiastic	enthusiastic	ADJ
fsr-3451	54	11	about	about	ADP
fsr-3451	54	12	using	use	VERB
fsr-3451	54	13	their	their	PRON
fsr-3451	54	14	mobile	mobile	ADJ
fsr-3451	54	15	phones	phone	NOUN
fsr-3451	54	16	than	than	SCONJ
fsr-3451	54	17	are	be	AUX
fsr-3451	54	18	members	member	NOUN
fsr-3451	54	19	of	of	ADP
fsr-3451	54	20	other	other	ADJ
fsr-3451	54	21	age	age	NOUN
fsr-3451	54	22	groups	group	NOUN
fsr-3451	54	23	(	(	PUNCT
fsr-3451	54	24	yeh	yeh	PROPN
fsr-3451	54	25	,	,	PUNCT
fsr-3451	54	26	wang	wang	PROPN
fsr-3451	54	27	,	,	PUNCT
fsr-3451	54	28	&	&	CCONJ
fsr-3451	54	29	yieh	yieh	PROPN
fsr-3451	54	30	,	,	PUNCT
fsr-3451	54	31	2016	2016	NUM
fsr-3451	54	32	)	)	PUNCT
fsr-3451	54	33	,	,	PUNCT
fsr-3451	54	34	and	and	CCONJ
fsr-3451	54	35	they	they	PRON
fsr-3451	54	36	have	have	VERB
fsr-3451	54	37	advanced	advanced	ADJ
fsr-3451	54	38	skills	skill	NOUN
fsr-3451	54	39	in	in	ADP
fsr-3451	54	40	dealing	deal	VERB
fsr-3451	54	41	with	with	ADP
fsr-3451	54	42	various	various	ADJ
fsr-3451	54	43	technological	technological	ADJ
fsr-3451	54	44	financial	financial	ADJ
fsr-3451	54	45	platforms	platform	NOUN
fsr-3451	54	46	(	(	PUNCT
fsr-3451	54	47	killins	killin	NOUN
fsr-3451	54	48	,	,	PUNCT
fsr-3451	54	49	2017	2017	NUM
fsr-3451	54	50	)	)	PUNCT
fsr-3451	54	51	.	.	PUNCT
fsr-3451	55	1	they	they	PRON
fsr-3451	55	2	also	also	ADV
fsr-3451	55	3	spend	spend	VERB
fsr-3451	55	4	m.	m.	NOUN
fsr-3451	55	5	nourallah	nourallah	PROPN
fsr-3451	55	6	et	et	PROPN
fsr-3451	55	7	al	al	PROPN
fsr-3451	55	8	.	.	PUNCT
fsr-3451	56	1	/	/	SYM
fsr-3451	56	2	financial	financial	ADJ
fsr-3451	56	3	services	service	NOUN
fsr-3451	56	4	review	review	VERB
fsr-3451	56	5	29	29	NUM
fsr-3451	56	6	(	(	PUNCT
fsr-3451	56	7	2021	2021	NUM
fsr-3451	56	8	)	)	PUNCT
fsr-3451	57	1	147–167	147–167	NUM
fsr-3451	57	2	149	149	NUM
fsr-3451	57	3	significant	significant	ADJ
fsr-3451	57	4	amounts	amount	NOUN
fsr-3451	57	5	of	of	ADP
fsr-3451	57	6	time	time	NOUN
fsr-3451	57	7	using	use	VERB
fsr-3451	57	8	these	these	DET
fsr-3451	57	9	platforms	platform	NOUN
fsr-3451	57	10	(	(	PUNCT
fsr-3451	57	11	kaur	kaur	PROPN
fsr-3451	57	12	&	&	CCONJ
fsr-3451	57	13	medury	medury	PROPN
fsr-3451	57	14	,	,	PUNCT
fsr-3451	57	15	2011	2011	NUM
fsr-3451	57	16	)	)	PUNCT
fsr-3451	57	17	.	.	PUNCT
fsr-3451	58	1	it	it	PRON
fsr-3451	58	2	is	be	AUX
fsr-3451	58	3	worth	worth	ADJ
fsr-3451	58	4	noting	note	VERB
fsr-3451	58	5	that	that	SCONJ
fsr-3451	58	6	reaching	reach	VERB
fsr-3451	58	7	ybcs	ybc	NOUN
fsr-3451	58	8	is	be	AUX
fsr-3451	58	9	a	a	DET
fsr-3451	58	10	top	top	ADJ
fsr-3451	58	11	priority	priority	NOUN
fsr-3451	58	12	for	for	ADP
fsr-3451	58	13	banks	bank	NOUN
fsr-3451	58	14	(	(	PUNCT
fsr-3451	58	15	tan	tan	PROPN
fsr-3451	58	16	&	&	CCONJ
fsr-3451	58	17	lau	lau	PROPN
fsr-3451	58	18	,	,	PUNCT
fsr-3451	58	19	2016	2016	NUM
fsr-3451	58	20	)	)	PUNCT
fsr-3451	58	21	.	.	PUNCT
fsr-3451	59	1	recent	recent	ADJ
fsr-3451	59	2	studies	study	NOUN
fsr-3451	59	3	recommend	recommend	VERB
fsr-3451	59	4	investigating	investigate	VERB
fsr-3451	59	5	bank	bank	NOUN
fsr-3451	59	6	customers	customer	NOUN
fsr-3451	59	7	,	,	PUNCT
fsr-3451	59	8	such	such	ADJ
fsr-3451	59	9	as	as	ADP
fsr-3451	59	10	ybcs	ybc	NOUN
fsr-3451	59	11	,	,	PUNCT
fsr-3451	59	12	who	who	PRON
fsr-3451	59	13	possess	possess	VERB
fsr-3451	59	14	limited	limited	ADJ
fsr-3451	59	15	financial	financial	ADJ
fsr-3451	59	16	information	information	NOUN
fsr-3451	59	17	(	(	PUNCT
fsr-3451	59	18	aydin	aydin	NOUN
fsr-3451	59	19	&	&	CCONJ
fsr-3451	59	20	akben	akben	PROPN
fsr-3451	59	21	selcuk	selcuk	NOUN
fsr-3451	59	22	,	,	PUNCT
fsr-3451	59	23	2019	2019	NUM
fsr-3451	59	24	)	)	PUNCT
fsr-3451	59	25	.	.	PUNCT
fsr-3451	60	1	moreover	moreover	ADV
fsr-3451	60	2	,	,	PUNCT
fsr-3451	60	3	ybcs	ybc	NOUN
fsr-3451	60	4	will	will	AUX
fsr-3451	60	5	seek	seek	VERB
fsr-3451	60	6	home	home	NOUN
fsr-3451	60	7	mortgages	mortgage	NOUN
fsr-3451	60	8	and	and	CCONJ
fsr-3451	60	9	other	other	ADJ
fsr-3451	60	10	financial	financial	ADJ
fsr-3451	60	11	services	service	NOUN
fsr-3451	60	12	in	in	ADP
fsr-3451	60	13	the	the	DET
fsr-3451	60	14	near	near	ADJ
fsr-3451	60	15	future	future	NOUN
fsr-3451	60	16	,	,	PUNCT
fsr-3451	60	17	so	so	SCONJ
fsr-3451	60	18	it	it	PRON
fsr-3451	60	19	is	be	AUX
fsr-3451	60	20	important	important	ADJ
fsr-3451	60	21	for	for	SCONJ
fsr-3451	60	22	banks	bank	NOUN
fsr-3451	60	23	to	to	PART
fsr-3451	60	24	secure	secure	VERB
fsr-3451	60	25	loyal	loyal	ADJ
fsr-3451	60	26	ybcs	ybc	NOUN
fsr-3451	60	27	,	,	PUNCT
fsr-3451	60	28	given	give	VERB
fsr-3451	60	29	that	that	SCONJ
fsr-3451	60	30	fintech	fintech	NOUN
fsr-3451	60	31	companies	company	NOUN
fsr-3451	60	32	will	will	AUX
fsr-3451	60	33	be	be	AUX
fsr-3451	60	34	the	the	DET
fsr-3451	60	35	main	main	ADJ
fsr-3451	60	36	providers	provider	NOUN
fsr-3451	60	37	of	of	ADP
fsr-3451	60	38	financial	financial	ADJ
fsr-3451	60	39	services	service	NOUN
fsr-3451	60	40	(	(	PUNCT
fsr-3451	60	41	gimpel	gimpel	PROPN
fsr-3451	60	42	et	et	PROPN
fsr-3451	60	43	al	al	PROPN
fsr-3451	60	44	.	.	PROPN
fsr-3451	60	45	,	,	PUNCT
fsr-3451	60	46	2018	2018	NUM
fsr-3451	60	47	)	)	PUNCT
fsr-3451	60	48	and	and	CCONJ
fsr-3451	60	49	that	that	SCONJ
fsr-3451	60	50	these	these	DET
fsr-3451	60	51	companies	company	NOUN
fsr-3451	60	52	can	can	AUX
fsr-3451	60	53	satisfy	satisfy	VERB
fsr-3451	60	54	customers	customer	NOUN
fsr-3451	60	55	in	in	ADP
fsr-3451	60	56	other	other	ADJ
fsr-3451	60	57	and	and	CCONJ
fsr-3451	61	1	possibly	possibly	ADV
fsr-3451	61	2	better	well	ADJ
fsr-3451	61	3	ways	way	NOUN
fsr-3451	61	4	than	than	SCONJ
fsr-3451	61	5	can	can	AUX
fsr-3451	61	6	traditional	traditional	VERB
fsr-3451	61	7	banks	bank	NOUN
fsr-3451	61	8	(	(	PUNCT
fsr-3451	61	9	gomber	gomber	PROPN
fsr-3451	61	10	et	et	PROPN
fsr-3451	61	11	al	al	PROPN
fsr-3451	61	12	.	.	PROPN
fsr-3451	61	13	,	,	PUNCT
fsr-3451	61	14	2017	2017	NUM
fsr-3451	61	15	)	)	PUNCT
fsr-3451	61	16	.	.	PUNCT
fsr-3451	62	1	ybcs	ybc	NOUN
fsr-3451	62	2	can	can	AUX
fsr-3451	62	3	contribute	contribute	VERB
fsr-3451	62	4	to	to	ADP
fsr-3451	62	5	increased	increase	VERB
fsr-3451	62	6	bank	bank	NOUN
fsr-3451	62	7	profits	profit	NOUN
fsr-3451	62	8	in	in	ADP
fsr-3451	62	9	terms	term	NOUN
fsr-3451	62	10	of	of	ADP
fsr-3451	62	11	immediate	immediate	ADJ
fsr-3451	62	12	profits	profit	NOUN
fsr-3451	62	13	,	,	PUNCT
fsr-3451	62	14	future	future	ADJ
fsr-3451	62	15	profitability	profitability	NOUN
fsr-3451	62	16	,	,	PUNCT
fsr-3451	62	17	market	market	NOUN
fsr-3451	62	18	share	share	NOUN
fsr-3451	62	19	,	,	PUNCT
fsr-3451	62	20	and	and	CCONJ
fsr-3451	62	21	diverse	diverse	ADJ
fsr-3451	62	22	profitable	profitable	ADJ
fsr-3451	62	23	relationships	relationship	NOUN
fsr-3451	62	24	(	(	PUNCT
fsr-3451	62	25	foscht	foscht	NOUN
fsr-3451	62	26	et	et	PROPN
fsr-3451	62	27	al	al	PROPN
fsr-3451	62	28	.	.	PROPN
fsr-3451	62	29	,	,	PUNCT
fsr-3451	62	30	2010	2010	NUM
fsr-3451	62	31	)	)	PUNCT
fsr-3451	62	32	.	.	PUNCT
fsr-3451	63	1	the	the	DET
fsr-3451	63	2	literature	literature	NOUN
fsr-3451	63	3	reveals	reveal	VERB
fsr-3451	63	4	that	that	SCONJ
fsr-3451	63	5	different	different	ADJ
fsr-3451	63	6	terms	term	NOUN
fsr-3451	63	7	have	have	AUX
fsr-3451	63	8	been	be	AUX
fsr-3451	63	9	used	use	VERB
fsr-3451	63	10	interchangeably	interchangeably	ADV
fsr-3451	63	11	to	to	PART
fsr-3451	63	12	refer	refer	VERB
fsr-3451	63	13	to	to	ADP
fsr-3451	63	14	ybcs	ybc	NOUN
fsr-3451	63	15	:	:	PUNCT
fsr-3451	63	16	the	the	DET
fsr-3451	63	17	millennial	millennial	ADJ
fsr-3451	63	18	generation	generation	NOUN
fsr-3451	63	19	(	(	PUNCT
fsr-3451	63	20	e.g.	e.g.	ADV
fsr-3451	63	21	,	,	PUNCT
fsr-3451	63	22	tan	tan	PROPN
fsr-3451	63	23	&	&	CCONJ
fsr-3451	63	24	lau	lau	PROPN
fsr-3451	63	25	,	,	PUNCT
fsr-3451	63	26	2016	2016	NUM
fsr-3451	63	27	)	)	PUNCT
fsr-3451	63	28	,	,	PUNCT
fsr-3451	63	29	the	the	DET
fsr-3451	63	30	young	young	ADJ
fsr-3451	63	31	generation	generation	NOUN
fsr-3451	63	32	(	(	PUNCT
fsr-3451	63	33	e.g.	e.g.	ADV
fsr-3451	63	34	,	,	PUNCT
fsr-3451	63	35	koenig	koenig	PROPN
fsr-3451	63	36	-	-	PUNCT
fsr-3451	63	37	lewis	lewis	PROPN
fsr-3451	63	38	et	et	PROPN
fsr-3451	63	39	al	al	PROPN
fsr-3451	63	40	.	.	PROPN
fsr-3451	63	41	,	,	PUNCT
fsr-3451	63	42	2010	2010	NUM
fsr-3451	63	43	)	)	PUNCT
fsr-3451	63	44	,	,	PUNCT
fsr-3451	63	45	and	and	CCONJ
fsr-3451	63	46	generation	generation	NOUN
fsr-3451	63	47	y	y	PROPN
fsr-3451	63	48	(	(	PUNCT
fsr-3451	63	49	killins	killin	NOUN
fsr-3451	63	50	,	,	PUNCT
fsr-3451	63	51	2017	2017	NUM
fsr-3451	63	52	)	)	PUNCT
fsr-3451	63	53	.	.	PUNCT
fsr-3451	64	1	also	also	ADV
fsr-3451	64	2	,	,	PUNCT
fsr-3451	64	3	previous	previous	ADJ
fsr-3451	64	4	studies	study	NOUN
fsr-3451	64	5	have	have	AUX
fsr-3451	64	6	used	use	VERB
fsr-3451	64	7	different	different	ADJ
fsr-3451	64	8	age	age	NOUN
fsr-3451	64	9	groups	group	NOUN
fsr-3451	64	10	when	when	SCONJ
fsr-3451	64	11	investigating	investigate	VERB
fsr-3451	64	12	ybcs	ybc	NOUN
fsr-3451	64	13	.	.	PUNCT
fsr-3451	65	1	calisir	calisir	PROPN
fsr-3451	65	2	and	and	CCONJ
fsr-3451	65	3	gumussoy	gumussoy	VERB
fsr-3451	65	4	(	(	PUNCT
fsr-3451	65	5	2008	2008	NUM
fsr-3451	65	6	)	)	PUNCT
fsr-3451	65	7	use	use	VERB
fsr-3451	65	8	the	the	DET
fsr-3451	65	9	18–26	18–26	NUM
fsr-3451	65	10	-	-	PUNCT
fsr-3451	65	11	year	year	NOUN
fsr-3451	65	12	age	age	NOUN
fsr-3451	65	13	range	range	NOUN
fsr-3451	65	14	,	,	PUNCT
fsr-3451	65	15	sum	sum	NOUN
fsr-3451	65	16	chau	chau	NOUN
fsr-3451	65	17	and	and	CCONJ
fsr-3451	65	18	ngai	ngai	PROPN
fsr-3451	65	19	(	(	PUNCT
fsr-3451	65	20	2010	2010	NUM
fsr-3451	65	21	)	)	PUNCT
fsr-3451	65	22	16–29	16–29	NUM
fsr-3451	65	23	years	year	NOUN
fsr-3451	65	24	,	,	PUNCT
fsr-3451	65	25	and	and	CCONJ
fsr-3451	65	26	akturan	akturan	VERB
fsr-3451	65	27	and	and	CCONJ
fsr-3451	65	28	tezcan	tezcan	ADJ
fsr-3451	65	29	(	(	PUNCT
fsr-3451	65	30	2012	2012	NUM
fsr-3451	65	31	)	)	PUNCT
fsr-3451	65	32	16–25	16–25	NUM
fsr-3451	65	33	years	year	NOUN
fsr-3451	65	34	.	.	PUNCT
fsr-3451	66	1	in	in	ADP
fsr-3451	66	2	this	this	DET
fsr-3451	66	3	study	study	NOUN
fsr-3451	66	4	,	,	PUNCT
fsr-3451	66	5	ybcs	ybc	NOUN
fsr-3451	66	6	are	be	AUX
fsr-3451	66	7	bank	bank	NOUN
fsr-3451	66	8	customers	customer	NOUN
fsr-3451	66	9	aged	age	VERB
fsr-3451	66	10	18–29	18–29	NUM
fsr-3451	66	11	years	year	NOUN
fsr-3451	66	12	,	,	PUNCT
fsr-3451	66	13	that	that	ADV
fsr-3451	66	14	is	is	ADV
fsr-3451	66	15	,	,	PUNCT
fsr-3451	66	16	the	the	DET
fsr-3451	66	17	interval	interval	NOUN
fsr-3451	66	18	from	from	ADP
fsr-3451	66	19	first	first	ADV
fsr-3451	66	20	being	be	AUX
fsr-3451	66	21	considered	consider	VERB
fsr-3451	66	22	“	"	PUNCT
fsr-3451	66	23	adult	adult	NOUN
fsr-3451	66	24	”	"	PUNCT
fsr-3451	66	25	in	in	ADP
fsr-3451	66	26	sweden	sweden	PROPN
fsr-3451	66	27	to	to	ADP
fsr-3451	66	28	the	the	DET
fsr-3451	66	29	highest	high	ADJ
fsr-3451	66	30	year	year	NOUN
fsr-3451	66	31	considered	consider	VERB
fsr-3451	66	32	in	in	ADP
fsr-3451	66	33	the	the	DET
fsr-3451	66	34	three	three	NUM
fsr-3451	66	35	studies	study	NOUN
fsr-3451	66	36	mentioned	mention	VERB
fsr-3451	66	37	above	above	ADV
fsr-3451	66	38	.	.	PUNCT
fsr-3451	67	1	2.2	2.2	NUM
fsr-3451	67	2	.	.	PUNCT
fsr-3451	68	1	conceptual	conceptual	ADJ
fsr-3451	68	2	framework	framework	NOUN
fsr-3451	68	3	2.2.1	2.2.1	NUM
fsr-3451	68	4	.	.	PUNCT
fsr-3451	69	1	central	central	ADJ
fsr-3451	69	2	concepts	concept	NOUN
fsr-3451	69	3	electronic	electronic	ADJ
fsr-3451	69	4	financial	financial	ADJ
fsr-3451	69	5	services	service	NOUN
fsr-3451	69	6	refer	refer	VERB
fsr-3451	69	7	to	to	ADP
fsr-3451	69	8	accessing	access	VERB
fsr-3451	69	9	a	a	DET
fsr-3451	69	10	bank	bank	NOUN
fsr-3451	69	11	account	account	NOUN
fsr-3451	69	12	via	via	ADP
fsr-3451	69	13	computers	computer	NOUN
fsr-3451	69	14	and/or	and/or	CCONJ
fsr-3451	69	15	mobile	mobile	ADJ
fsr-3451	69	16	financial	financial	ADJ
fsr-3451	69	17	services	service	NOUN
fsr-3451	69	18	(	(	PUNCT
fsr-3451	69	19	shaikh	shaikh	PROPN
fsr-3451	69	20	&	&	CCONJ
fsr-3451	69	21	karjaluoto	karjaluoto	PROPN
fsr-3451	69	22	,	,	PUNCT
fsr-3451	69	23	2019	2019	NUM
fsr-3451	69	24	)	)	PUNCT
fsr-3451	69	25	.	.	PUNCT
fsr-3451	70	1	in	in	ADP
fsr-3451	70	2	this	this	DET
fsr-3451	70	3	context	context	NOUN
fsr-3451	70	4	,	,	PUNCT
fsr-3451	70	5	studies	study	NOUN
fsr-3451	70	6	have	have	AUX
fsr-3451	70	7	addressed	address	VERB
fsr-3451	70	8	responsiveness	responsiveness	NOUN
fsr-3451	70	9	and	and	CCONJ
fsr-3451	70	10	reliability	reliability	NOUN
fsr-3451	70	11	(	(	PUNCT
fsr-3451	70	12	broderick	broderick	PROPN
fsr-3451	70	13	&	&	CCONJ
fsr-3451	70	14	vachirapornpuk	vachirapornpuk	PROPN
fsr-3451	70	15	,	,	PUNCT
fsr-3451	70	16	2002	2002	NUM
fsr-3451	70	17	)	)	PUNCT
fsr-3451	70	18	,	,	PUNCT
fsr-3451	70	19	customer	customer	NOUN
fsr-3451	70	20	satisfaction	satisfaction	NOUN
fsr-3451	70	21	(	(	PUNCT
fsr-3451	70	22	sampaio	sampaio	PROPN
fsr-3451	70	23	,	,	PUNCT
fsr-3451	70	24	ladeira	ladeira	PROPN
fsr-3451	70	25	,	,	PUNCT
fsr-3451	70	26	&	&	CCONJ
fsr-3451	70	27	santini	santini	PROPN
fsr-3451	70	28	,	,	PUNCT
fsr-3451	70	29	2017	2017	NUM
fsr-3451	70	30	)	)	PUNCT
fsr-3451	70	31	,	,	PUNCT
fsr-3451	70	32	and	and	CCONJ
fsr-3451	70	33	loyalty	loyalty	NOUN
fsr-3451	70	34	(	(	PUNCT
fsr-3451	70	35	larsson	larsson	PROPN
fsr-3451	70	36	&	&	CCONJ
fsr-3451	70	37	viitaoja	viitaoja	PROPN
fsr-3451	70	38	,	,	PUNCT
fsr-3451	70	39	2017	2017	NUM
fsr-3451	70	40	)	)	PUNCT
fsr-3451	70	41	.	.	PUNCT
fsr-3451	71	1	overall	overall	ADV
fsr-3451	71	2	,	,	PUNCT
fsr-3451	71	3	studies	study	NOUN
fsr-3451	71	4	report	report	VERB
fsr-3451	71	5	that	that	SCONJ
fsr-3451	71	6	customer	customer	NOUN
fsr-3451	71	7	satisfaction	satisfaction	NOUN
fsr-3451	71	8	and	and	CCONJ
fsr-3451	71	9	loyalty	loyalty	NOUN
fsr-3451	71	10	are	be	AUX
fsr-3451	71	11	the	the	DET
fsr-3451	71	12	most	most	ADV
fsr-3451	71	13	important	important	ADJ
fsr-3451	71	14	factors	factor	NOUN
fsr-3451	71	15	delivering	deliver	VERB
fsr-3451	71	16	a	a	DET
fsr-3451	71	17	good	good	ADJ
fsr-3451	71	18	experience	experience	NOUN
fsr-3451	71	19	(	(	PUNCT
fsr-3451	71	20	berraies	berraie	NOUN
fsr-3451	71	21	,	,	PUNCT
fsr-3451	71	22	yahia	yahia	PROPN
fsr-3451	71	23	,	,	PUNCT
fsr-3451	71	24	&	&	CCONJ
fsr-3451	71	25	hannachi	hannachi	PROPN
fsr-3451	71	26	,	,	PUNCT
fsr-3451	71	27	2017	2017	NUM
fsr-3451	71	28	)	)	PUNCT
fsr-3451	71	29	,	,	PUNCT
fsr-3451	71	30	while	while	SCONJ
fsr-3451	71	31	reliability	reliability	NOUN
fsr-3451	71	32	is	be	AUX
fsr-3451	71	33	identified	identify	VERB
fsr-3451	71	34	as	as	ADP
fsr-3451	71	35	a	a	DET
fsr-3451	71	36	necessary	necessary	ADJ
fsr-3451	71	37	risk	risk	NOUN
fsr-3451	71	38	-	-	PUNCT
fsr-3451	71	39	related	relate	VERB
fsr-3451	71	40	factor	factor	NOUN
fsr-3451	71	41	in	in	ADP
fsr-3451	71	42	technology	technology	NOUN
fsr-3451	71	43	-	-	PUNCT
fsr-3451	71	44	based	base	VERB
fsr-3451	71	45	financial	financial	ADJ
fsr-3451	71	46	services	service	NOUN
fsr-3451	71	47	(	(	PUNCT
fsr-3451	71	48	hanafizadeh	hanafizadeh	PROPN
fsr-3451	71	49	,	,	PUNCT
fsr-3451	71	50	behboudi	behboudi	NOUN
fsr-3451	71	51	,	,	PUNCT
fsr-3451	71	52	koshksaray	koshksaray	PROPN
fsr-3451	71	53	,	,	PUNCT
fsr-3451	71	54	&	&	CCONJ
fsr-3451	71	55	tabar	tabar	PROPN
fsr-3451	71	56	,	,	PUNCT
fsr-3451	71	57	2014	2014	NUM
fsr-3451	71	58	)	)	PUNCT
fsr-3451	71	59	.	.	PUNCT
fsr-3451	72	1	in	in	ADP
fsr-3451	72	2	a	a	DET
fsr-3451	72	3	similar	similar	ADJ
fsr-3451	72	4	vein	vein	NOUN
fsr-3451	72	5	,	,	PUNCT
fsr-3451	72	6	sindwani	sindwani	NOUN
fsr-3451	72	7	and	and	CCONJ
fsr-3451	72	8	goel	goel	PROPN
fsr-3451	72	9	(	(	PUNCT
fsr-3451	72	10	2015	2015	NUM
fsr-3451	72	11	)	)	PUNCT
fsr-3451	72	12	argue	argue	VERB
fsr-3451	72	13	that	that	SCONJ
fsr-3451	72	14	responsiveness	responsiveness	NOUN
fsr-3451	72	15	is	be	AUX
fsr-3451	72	16	an	an	DET
fsr-3451	72	17	important	important	ADJ
fsr-3451	72	18	concept	concept	NOUN
fsr-3451	72	19	in	in	ADP
fsr-3451	72	20	the	the	DET
fsr-3451	72	21	electronic	electronic	ADJ
fsr-3451	72	22	financial	financial	ADJ
fsr-3451	72	23	services	service	NOUN
fsr-3451	72	24	context	context	VERB
fsr-3451	72	25	.	.	PUNCT
fsr-3451	73	1	a	a	DET
fsr-3451	73	2	number	number	NOUN
fsr-3451	73	3	of	of	ADP
fsr-3451	73	4	previous	previous	ADJ
fsr-3451	73	5	studies	study	NOUN
fsr-3451	73	6	have	have	AUX
fsr-3451	73	7	addressed	address	VERB
fsr-3451	73	8	usability	usability	NOUN
fsr-3451	73	9	-	-	PUNCT
fsr-3451	73	10	related	relate	VERB
fsr-3451	73	11	issues	issue	NOUN
fsr-3451	73	12	(	(	PUNCT
fsr-3451	73	13	e.g.	e.g.	ADV
fsr-3451	73	14	,	,	PUNCT
fsr-3451	73	15	mohammadi	mohammadi	NOUN
fsr-3451	73	16	,	,	PUNCT
fsr-3451	73	17	2015	2015	NUM
fsr-3451	73	18	)	)	PUNCT
fsr-3451	73	19	.	.	PUNCT
fsr-3451	74	1	the	the	DET
fsr-3451	74	2	international	international	ADJ
fsr-3451	74	3	organization	organization	NOUN
fsr-3451	74	4	for	for	ADP
fsr-3451	74	5	standardization	standardization	NOUN
fsr-3451	74	6	(	(	PUNCT
fsr-3451	74	7	ios	ios	PROPN
fsr-3451	74	8	,	,	PUNCT
fsr-3451	74	9	1998	1998	NUM
fsr-3451	74	10	)	)	PUNCT
fsr-3451	74	11	defines	define	VERB
fsr-3451	74	12	usability	usability	NOUN
fsr-3451	74	13	as	as	ADP
fsr-3451	74	14	“	"	PUNCT
fsr-3451	74	15	the	the	DET
fsr-3451	74	16	extent	extent	NOUN
fsr-3451	74	17	to	to	PART
fsr-3451	74	18	which	which	PRON
fsr-3451	74	19	a	a	DET
fsr-3451	74	20	product	product	NOUN
fsr-3451	74	21	can	can	AUX
fsr-3451	74	22	be	be	AUX
fsr-3451	74	23	used	use	VERB
fsr-3451	74	24	by	by	ADP
fsr-3451	74	25	specified	specify	VERB
fsr-3451	74	26	users	user	NOUN
fsr-3451	74	27	to	to	PART
fsr-3451	74	28	achieve	achieve	VERB
fsr-3451	74	29	specified	specified	ADJ
fsr-3451	74	30	goals	goal	NOUN
fsr-3451	74	31	.	.	PUNCT
fsr-3451	74	32	”	"	PUNCT
fsr-3451	75	1	kang	kang	PROPN
fsr-3451	75	2	,	,	PUNCT
fsr-3451	75	3	lee	lee	PROPN
fsr-3451	75	4	,	,	PUNCT
fsr-3451	75	5	and	and	CCONJ
fsr-3451	75	6	lee	lee	PROPN
fsr-3451	75	7	(	(	PUNCT
fsr-3451	75	8	2012	2012	NUM
fsr-3451	75	9	)	)	PUNCT
fsr-3451	75	10	state	state	NOUN
fsr-3451	75	11	that	that	PRON
fsr-3451	75	12	mba	mba	NOUN
fsr-3451	75	13	usability	usability	NOUN
fsr-3451	75	14	likely	likely	ADV
fsr-3451	75	15	concerns	concern	VERB
fsr-3451	75	16	mobile	mobile	ADJ
fsr-3451	75	17	interface	interface	NOUN
fsr-3451	75	18	and	and	CCONJ
fsr-3451	75	19	navigation	navigation	NOUN
fsr-3451	75	20	issues	issue	NOUN
fsr-3451	75	21	.	.	PUNCT
fsr-3451	76	1	casaló	casaló	NOUN
fsr-3451	76	2	,	,	PUNCT
fsr-3451	76	3	flavian	flavian	NOUN
fsr-3451	76	4	,	,	PUNCT
fsr-3451	76	5	and	and	CCONJ
fsr-3451	76	6	guinalı́u	guinalı́u	PROPN
fsr-3451	76	7	(	(	PUNCT
fsr-3451	76	8	2007	2007	NUM
fsr-3451	76	9	,	,	PUNCT
fsr-3451	76	10	2008	2008	NUM
fsr-3451	76	11	)	)	PUNCT
fsr-3451	76	12	and	and	CCONJ
fsr-3451	76	13	flavian	flavian	NOUN
fsr-3451	76	14	,	,	PUNCT
fsr-3451	76	15	guinalı́u	guinalı́u	PROPN
fsr-3451	76	16	,	,	PUNCT
fsr-3451	76	17	and	and	CCONJ
fsr-3451	76	18	gurrea	gurrea	NOUN
fsr-3451	76	19	(	(	PUNCT
fsr-3451	76	20	2006	2006	NUM
fsr-3451	76	21	)	)	PUNCT
fsr-3451	76	22	find	find	VERB
fsr-3451	76	23	that	that	SCONJ
fsr-3451	76	24	in	in	ADP
fsr-3451	76	25	the	the	DET
fsr-3451	76	26	banking	banking	NOUN
fsr-3451	76	27	industry	industry	NOUN
fsr-3451	76	28	,	,	PUNCT
fsr-3451	76	29	the	the	DET
fsr-3451	76	30	essence	essence	NOUN
fsr-3451	76	31	of	of	ADP
fsr-3451	76	32	usability	usability	NOUN
fsr-3451	76	33	is	be	AUX
fsr-3451	76	34	represented	represent	VERB
fsr-3451	76	35	by	by	ADP
fsr-3451	76	36	ease	ease	NOUN
fsr-3451	76	37	of	of	ADP
fsr-3451	76	38	understanding	understanding	NOUN
fsr-3451	76	39	,	,	PUNCT
fsr-3451	76	40	observed	observed	ADJ
fsr-3451	76	41	content	content	NOUN
fsr-3451	76	42	,	,	PUNCT
fsr-3451	76	43	simplicity	simplicity	NOUN
fsr-3451	76	44	,	,	PUNCT
fsr-3451	76	45	speed	speed	NOUN
fsr-3451	76	46	,	,	PUNCT
fsr-3451	76	47	ease	ease	NOUN
fsr-3451	76	48	of	of	ADP
fsr-3451	76	49	site	site	NOUN
fsr-3451	76	50	navigation	navigation	NOUN
fsr-3451	76	51	,	,	PUNCT
fsr-3451	76	52	and	and	CCONJ
fsr-3451	76	53	user	user	NOUN
fsr-3451	76	54	control	control	NOUN
fsr-3451	76	55	.	.	PUNCT
fsr-3451	77	1	from	from	ADP
fsr-3451	77	2	an	an	DET
fsr-3451	77	3	electronic	electronic	ADJ
fsr-3451	77	4	financial	financial	ADJ
fsr-3451	77	5	services	service	NOUN
fsr-3451	77	6	perspective	perspective	NOUN
fsr-3451	77	7	,	,	PUNCT
fsr-3451	77	8	customer	customer	NOUN
fsr-3451	77	9	satisfaction	satisfaction	NOUN
fsr-3451	77	10	is	be	AUX
fsr-3451	77	11	created	create	VERB
fsr-3451	77	12	by	by	ADP
fsr-3451	77	13	meeting	meet	VERB
fsr-3451	77	14	customer	customer	NOUN
fsr-3451	77	15	expectations	expectation	NOUN
fsr-3451	77	16	regarding	regard	VERB
fsr-3451	77	17	financial	financial	ADJ
fsr-3451	77	18	issues	issue	NOUN
fsr-3451	77	19	(	(	PUNCT
fsr-3451	77	20	amin	amin	NOUN
fsr-3451	77	21	,	,	PUNCT
fsr-3451	77	22	2016	2016	NUM
fsr-3451	77	23	)	)	PUNCT
fsr-3451	77	24	,	,	PUNCT
fsr-3451	77	25	while	while	SCONJ
fsr-3451	77	26	loyalty	loyalty	NOUN
fsr-3451	77	27	is	be	AUX
fsr-3451	77	28	seen	see	VERB
fsr-3451	77	29	as	as	ADP
fsr-3451	77	30	a	a	DET
fsr-3451	77	31	dichotomy	dichotomy	NOUN
fsr-3451	77	32	between	between	ADP
fsr-3451	77	33	attitude	attitude	NOUN
fsr-3451	77	34	and	and	CCONJ
fsr-3451	77	35	behavior	behavior	NOUN
fsr-3451	77	36	.	.	PUNCT
fsr-3451	78	1	attitudinal	attitudinal	ADJ
fsr-3451	78	2	loyalty	loyalty	NOUN
fsr-3451	78	3	includes	include	VERB
fsr-3451	78	4	“	"	PUNCT
fsr-3451	78	5	a	a	DET
fsr-3451	78	6	degree	degree	NOUN
fsr-3451	78	7	of	of	ADP
fsr-3451	78	8	150	150	NUM
fsr-3451	78	9	m.	m.	NOUN
fsr-3451	78	10	nourallah	nourallah	PROPN
fsr-3451	78	11	et	et	PROPN
fsr-3451	78	12	al	al	PROPN
fsr-3451	78	13	.	.	PUNCT
fsr-3451	78	14	/	/	SYM
fsr-3451	78	15	financial	financial	ADJ
fsr-3451	78	16	services	service	NOUN
fsr-3451	78	17	review	review	VERB
fsr-3451	78	18	29	29	NUM
fsr-3451	78	19	(	(	PUNCT
fsr-3451	78	20	2021	2021	NUM
fsr-3451	78	21	)	)	PUNCT
fsr-3451	78	22	147–167	147–167	NUM
fsr-3451	78	23	dispositional	dispositional	ADJ
fsr-3451	78	24	commitment	commitment	NOUN
fsr-3451	78	25	,	,	PUNCT
fsr-3451	78	26	in	in	ADP
fsr-3451	78	27	terms	term	NOUN
fsr-3451	78	28	of	of	ADP
fsr-3451	78	29	some	some	DET
fsr-3451	78	30	unique	unique	ADJ
fsr-3451	78	31	value	value	NOUN
fsr-3451	78	32	associated	associate	VERB
fsr-3451	78	33	with	with	ADP
fsr-3451	78	34	the	the	DET
fsr-3451	78	35	brand	brand	NOUN
fsr-3451	78	36	”	"	PUNCT
fsr-3451	78	37	(	(	PUNCT
fsr-3451	78	38	lin	lin	PROPN
fsr-3451	78	39	&	&	CCONJ
fsr-3451	78	40	wang	wang	PROPN
fsr-3451	78	41	,	,	PUNCT
fsr-3451	78	42	2006	2006	NUM
fsr-3451	78	43	,	,	PUNCT
fsr-3451	78	44	p.	p.	NOUN
fsr-3451	78	45	272	272	NUM
fsr-3451	78	46	)	)	PUNCT
fsr-3451	78	47	,	,	PUNCT
fsr-3451	78	48	and	and	CCONJ
fsr-3451	78	49	behavioral	behavioral	ADJ
fsr-3451	78	50	loyalty	loyalty	NOUN
fsr-3451	78	51	refers	refer	VERB
fsr-3451	78	52	to	to	ADP
fsr-3451	78	53	a	a	DET
fsr-3451	78	54	customer	customer	NOUN
fsr-3451	78	55	’s	’s	PART
fsr-3451	78	56	repurchase	repurchase	NOUN
fsr-3451	78	57	behavior	behavior	NOUN
fsr-3451	78	58	,	,	PUNCT
fsr-3451	78	59	due	due	ADP
fsr-3451	78	60	to	to	ADP
fsr-3451	78	61	their	their	PRON
fsr-3451	78	62	liking	like	VERB
fsr-3451	78	63	for	for	ADP
fsr-3451	78	64	particular	particular	ADJ
fsr-3451	78	65	financial	financial	ADJ
fsr-3451	78	66	services	service	NOUN
fsr-3451	78	67	(	(	PUNCT
fsr-3451	78	68	amin	amin	NOUN
fsr-3451	78	69	,	,	PUNCT
fsr-3451	78	70	2016	2016	NUM
fsr-3451	78	71	)	)	PUNCT
fsr-3451	78	72	.	.	PUNCT
fsr-3451	79	1	it	it	PRON
fsr-3451	79	2	is	be	AUX
fsr-3451	79	3	worth	worth	ADJ
fsr-3451	79	4	mentioning	mention	VERB
fsr-3451	79	5	that	that	SCONJ
fsr-3451	79	6	most	most	ADJ
fsr-3451	79	7	previous	previous	ADJ
fsr-3451	79	8	studies	study	NOUN
fsr-3451	79	9	of	of	ADP
fsr-3451	79	10	service	service	NOUN
fsr-3451	79	11	quality	quality	NOUN
fsr-3451	79	12	have	have	AUX
fsr-3451	79	13	used	use	VERB
fsr-3451	79	14	the	the	DET
fsr-3451	79	15	servqual	servqual	ADJ
fsr-3451	79	16	instrument	instrument	NOUN
fsr-3451	79	17	(	(	PUNCT
fsr-3451	79	18	parasuraman	parasuraman	NOUN
fsr-3451	79	19	,	,	PUNCT
fsr-3451	79	20	zeithaml	zeithaml	PROPN
fsr-3451	79	21	,	,	PUNCT
fsr-3451	79	22	&	&	CCONJ
fsr-3451	79	23	berry	berry	PROPN
fsr-3451	79	24	,	,	PUNCT
fsr-3451	79	25	1988	1988	NUM
fsr-3451	79	26	)	)	PUNCT
fsr-3451	79	27	,	,	PUNCT
fsr-3451	79	28	which	which	PRON
fsr-3451	79	29	consists	consist	VERB
fsr-3451	79	30	of	of	ADP
fsr-3451	79	31	five	five	NUM
fsr-3451	79	32	dimensions	dimension	NOUN
fsr-3451	79	33	:	:	PUNCT
fsr-3451	79	34	tangibles	tangible	NOUN
fsr-3451	79	35	,	,	PUNCT
fsr-3451	79	36	reliability	reliability	NOUN
fsr-3451	79	37	,	,	PUNCT
fsr-3451	79	38	responsiveness	responsiveness	NOUN
fsr-3451	79	39	,	,	PUNCT
fsr-3451	79	40	assurance	assurance	NOUN
fsr-3451	79	41	,	,	PUNCT
fsr-3451	79	42	and	and	CCONJ
fsr-3451	79	43	empathy	empathy	NOUN
fsr-3451	79	44	.	.	PUNCT
fsr-3451	80	1	the	the	DET
fsr-3451	80	2	current	current	ADJ
fsr-3451	80	3	study	study	NOUN
fsr-3451	80	4	excludes	exclude	VERB
fsr-3451	80	5	three	three	NUM
fsr-3451	80	6	of	of	ADP
fsr-3451	80	7	these	these	DET
fsr-3451	80	8	dimensions	dimension	NOUN
fsr-3451	80	9	:	:	PUNCT
fsr-3451	80	10	tangibles	tangible	NOUN
fsr-3451	80	11	,	,	PUNCT
fsr-3451	80	12	assurance	assurance	NOUN
fsr-3451	80	13	,	,	PUNCT
fsr-3451	80	14	and	and	CCONJ
fsr-3451	80	15	empathy	empathy	NOUN
fsr-3451	80	16	.	.	PUNCT
fsr-3451	81	1	parasuraman	parasuraman	NOUN
fsr-3451	81	2	et	et	PROPN
fsr-3451	81	3	al	al	PROPN
fsr-3451	81	4	.	.	PUNCT
fsr-3451	82	1	(	(	PUNCT
fsr-3451	82	2	1998	1998	NUM
fsr-3451	82	3	,	,	PUNCT
fsr-3451	82	4	p.	p.	NOUN
fsr-3451	82	5	23	23	NUM
fsr-3451	82	6	)	)	PUNCT
fsr-3451	82	7	state	state	NOUN
fsr-3451	82	8	that	that	SCONJ
fsr-3451	82	9	tangibles	tangible	NOUN
fsr-3451	82	10	are	be	AUX
fsr-3451	82	11	“	"	PUNCT
fsr-3451	82	12	physical	physical	ADJ
fsr-3451	82	13	facilities	facility	NOUN
fsr-3451	82	14	,	,	PUNCT
fsr-3451	82	15	equipment	equipment	NOUN
fsr-3451	82	16	,	,	PUNCT
fsr-3451	82	17	and	and	CCONJ
fsr-3451	82	18	appearance	appearance	NOUN
fsr-3451	82	19	of	of	ADP
fsr-3451	82	20	personnel	personnel	NOUN
fsr-3451	82	21	,	,	PUNCT
fsr-3451	82	22	”	"	PUNCT
fsr-3451	82	23	assurance	assurance	NOUN
fsr-3451	82	24	is	be	AUX
fsr-3451	82	25	the	the	DET
fsr-3451	82	26	“	"	PUNCT
fsr-3451	82	27	knowledge	knowledge	NOUN
fsr-3451	82	28	and	and	CCONJ
fsr-3451	82	29	courtesy	courtesy	NOUN
fsr-3451	82	30	of	of	ADP
fsr-3451	82	31	employees	employee	NOUN
fsr-3451	82	32	and	and	CCONJ
fsr-3451	82	33	their	their	PRON
fsr-3451	82	34	ability	ability	NOUN
fsr-3451	82	35	to	to	PART
fsr-3451	82	36	inspire	inspire	VERB
fsr-3451	82	37	trust	trust	NOUN
fsr-3451	82	38	and	and	CCONJ
fsr-3451	82	39	confidence	confidence	NOUN
fsr-3451	82	40	,	,	PUNCT
fsr-3451	82	41	”	"	PUNCT
fsr-3451	82	42	and	and	CCONJ
fsr-3451	82	43	empathy	empathy	NOUN
fsr-3451	82	44	is	be	AUX
fsr-3451	82	45	“	"	PUNCT
fsr-3451	82	46	caring	care	VERB
fsr-3451	82	47	,	,	PUNCT
fsr-3451	82	48	individualized	individualized	ADJ
fsr-3451	82	49	attention	attention	NOUN
fsr-3451	82	50	the	the	DET
fsr-3451	82	51	firm	firm	NOUN
fsr-3451	82	52	provides	provide	VERB
fsr-3451	82	53	its	its	PRON
fsr-3451	82	54	customers	customer	NOUN
fsr-3451	82	55	.	.	PUNCT
fsr-3451	82	56	”	"	PUNCT
fsr-3451	83	1	it	it	PRON
fsr-3451	83	2	can	can	AUX
fsr-3451	83	3	be	be	AUX
fsr-3451	83	4	argued	argue	VERB
fsr-3451	83	5	that	that	SCONJ
fsr-3451	83	6	these	these	DET
fsr-3451	83	7	dimensions	dimension	NOUN
fsr-3451	83	8	are	be	AUX
fsr-3451	83	9	related	relate	VERB
fsr-3451	83	10	to	to	ADP
fsr-3451	83	11	the	the	DET
fsr-3451	83	12	customer	customer	NOUN
fsr-3451	83	13	–	–	PUNCT
fsr-3451	83	14	employee	employee	NOUN
fsr-3451	83	15	relationship	relationship	NOUN
fsr-3451	83	16	dimension	dimension	NOUN
fsr-3451	83	17	,	,	PUNCT
fsr-3451	83	18	which	which	PRON
fsr-3451	83	19	is	be	AUX
fsr-3451	83	20	not	not	PART
fsr-3451	83	21	part	part	NOUN
fsr-3451	83	22	of	of	ADP
fsr-3451	83	23	the	the	DET
fsr-3451	83	24	mba	mba	NOUN
fsr-3451	83	25	context	context	NOUN
fsr-3451	83	26	.	.	PUNCT
fsr-3451	84	1	hence	hence	ADV
fsr-3451	84	2	,	,	PUNCT
fsr-3451	84	3	the	the	DET
fsr-3451	84	4	current	current	ADJ
fsr-3451	84	5	study	study	NOUN
fsr-3451	84	6	only	only	ADV
fsr-3451	84	7	uses	use	VERB
fsr-3451	84	8	the	the	DET
fsr-3451	84	9	responsiveness	responsiveness	NOUN
fsr-3451	84	10	and	and	CCONJ
fsr-3451	84	11	reliability	reliability	NOUN
fsr-3451	84	12	dimensions	dimension	NOUN
fsr-3451	84	13	of	of	ADP
fsr-3451	84	14	service	service	NOUN
fsr-3451	84	15	quality	quality	NOUN
fsr-3451	84	16	,	,	PUNCT
fsr-3451	84	17	since	since	SCONJ
fsr-3451	84	18	mbas	mba	NOUN
fsr-3451	84	19	have	have	AUX
fsr-3451	84	20	evolved	evolve	VERB
fsr-3451	84	21	in	in	ADP
fsr-3451	84	22	an	an	DET
fsr-3451	84	23	environment	environment	NOUN
fsr-3451	84	24	in	in	ADP
fsr-3451	84	25	which	which	PRON
fsr-3451	84	26	the	the	DET
fsr-3451	84	27	nature	nature	NOUN
fsr-3451	84	28	of	of	ADP
fsr-3451	84	29	mobile	mobile	ADJ
fsr-3451	84	30	–	–	PUNCT
fsr-3451	84	31	human	human	ADJ
fsr-3451	84	32	interaction	interaction	NOUN
fsr-3451	84	33	differs	differ	VERB
fsr-3451	84	34	from	from	ADP
fsr-3451	84	35	personal	personal	ADJ
fsr-3451	84	36	interaction	interaction	NOUN
fsr-3451	84	37	(	(	PUNCT
fsr-3451	84	38	oliveira	oliveira	PROPN
fsr-3451	84	39	,	,	PUNCT
fsr-3451	84	40	thomas	thomas	PROPN
fsr-3451	84	41	,	,	PUNCT
fsr-3451	84	42	baptista	baptista	PROPN
fsr-3451	84	43	,	,	PUNCT
fsr-3451	84	44	&	&	CCONJ
fsr-3451	84	45	campos	campos	PROPN
fsr-3451	84	46	,	,	PUNCT
fsr-3451	84	47	2016	2016	NUM
fsr-3451	84	48	)	)	PUNCT
fsr-3451	84	49	,	,	PUNCT
fsr-3451	84	50	and	and	CCONJ
fsr-3451	84	51	because	because	SCONJ
fsr-3451	84	52	ybcs	ybc	NOUN
fsr-3451	84	53	do	do	AUX
fsr-3451	84	54	not	not	PART
fsr-3451	84	55	prefer	prefer	VERB
fsr-3451	84	56	personal	personal	ADJ
fsr-3451	84	57	connections	connection	NOUN
fsr-3451	84	58	when	when	SCONJ
fsr-3451	84	59	accessing	access	VERB
fsr-3451	84	60	banking	banking	NOUN
fsr-3451	84	61	services	service	NOUN
fsr-3451	84	62	(	(	PUNCT
fsr-3451	84	63	carlander	carlander	NOUN
fsr-3451	84	64	,	,	PUNCT
fsr-3451	84	65	gamble	gamble	ADJ
fsr-3451	84	66	,	,	PUNCT
fsr-3451	84	67	gärling	gärling	NOUN
fsr-3451	84	68	,	,	PUNCT
fsr-3451	84	69	hauff	hauff	NOUN
fsr-3451	84	70	,	,	PUNCT
fsr-3451	84	71	johansson	johansson	PROPN
fsr-3451	84	72	,	,	PUNCT
fsr-3451	84	73	&	&	CCONJ
fsr-3451	84	74	holmen	holmen	PROPN
fsr-3451	84	75	,	,	PUNCT
fsr-3451	84	76	2018	2018	NUM
fsr-3451	84	77	)	)	PUNCT
fsr-3451	84	78	.	.	PUNCT
fsr-3451	85	1	in	in	ADP
fsr-3451	85	2	this	this	DET
fsr-3451	85	3	regard	regard	NOUN
fsr-3451	85	4	,	,	PUNCT
fsr-3451	85	5	responsiveness	responsiveness	NOUN
fsr-3451	85	6	is	be	AUX
fsr-3451	85	7	the	the	DET
fsr-3451	85	8	willingness	willingness	NOUN
fsr-3451	85	9	to	to	PART
fsr-3451	85	10	help	help	VERB
fsr-3451	85	11	consumers	consumer	NOUN
fsr-3451	85	12	and	and	CCONJ
fsr-3451	85	13	provide	provide	VERB
fsr-3451	85	14	prompt	prompt	ADJ
fsr-3451	85	15	service	service	NOUN
fsr-3451	85	16	(	(	PUNCT
fsr-3451	85	17	parasuraman	parasuraman	NOUN
fsr-3451	85	18	et	et	PROPN
fsr-3451	85	19	al	al	PROPN
fsr-3451	85	20	.	.	PROPN
fsr-3451	85	21	,	,	PUNCT
fsr-3451	85	22	1988	1988	NUM
fsr-3451	85	23	)	)	PUNCT
fsr-3451	85	24	,	,	PUNCT
fsr-3451	85	25	and	and	CCONJ
fsr-3451	85	26	in	in	ADP
fsr-3451	85	27	terms	term	NOUN
fsr-3451	85	28	of	of	ADP
fsr-3451	85	29	mbas	mbas	NOUN
fsr-3451	85	30	,	,	PUNCT
fsr-3451	85	31	it	it	PRON
fsr-3451	85	32	has	have	VERB
fsr-3451	85	33	two	two	NUM
fsr-3451	85	34	components	component	NOUN
fsr-3451	85	35	:	:	PUNCT
fsr-3451	85	36	service	service	NOUN
fsr-3451	85	37	speed	speed	NOUN
fsr-3451	85	38	and	and	CCONJ
fsr-3451	85	39	technology	technology	NOUN
fsr-3451	85	40	(	(	PUNCT
fsr-3451	85	41	iberahim	iberahim	NOUN
fsr-3451	85	42	et	et	NOUN
fsr-3451	85	43	al	al	PROPN
fsr-3451	85	44	.	.	PROPN
fsr-3451	85	45	,	,	PUNCT
fsr-3451	85	46	2016	2016	NUM
fsr-3451	85	47	)	)	PUNCT
fsr-3451	85	48	.	.	PUNCT
fsr-3451	86	1	reliability	reliability	NOUN
fsr-3451	86	2	is	be	AUX
fsr-3451	86	3	defined	define	VERB
fsr-3451	86	4	as	as	ADP
fsr-3451	86	5	“	"	PUNCT
fsr-3451	86	6	the	the	DET
fsr-3451	86	7	ability	ability	NOUN
fsr-3451	86	8	to	to	PART
fsr-3451	86	9	perform	perform	VERB
fsr-3451	86	10	the	the	DET
fsr-3451	86	11	promised	promise	VERB
fsr-3451	86	12	service	service	NOUN
fsr-3451	86	13	dependably	dependably	ADV
fsr-3451	86	14	and	and	CCONJ
fsr-3451	86	15	accurately	accurately	ADV
fsr-3451	86	16	”	"	PUNCT
fsr-3451	86	17	(	(	PUNCT
fsr-3451	86	18	parasuraman	parasuraman	NOUN
fsr-3451	86	19	et	et	PROPN
fsr-3451	86	20	al	al	PROPN
fsr-3451	86	21	.	.	PROPN
fsr-3451	86	22	,	,	PUNCT
fsr-3451	86	23	1988	1988	NUM
fsr-3451	86	24	,	,	PUNCT
fsr-3451	86	25	p.	p.	NOUN
fsr-3451	86	26	23	23	NUM
fsr-3451	86	27	)	)	PUNCT
fsr-3451	86	28	.	.	PUNCT
fsr-3451	87	1	the	the	DET
fsr-3451	87	2	current	current	ADJ
fsr-3451	87	3	study	study	NOUN
fsr-3451	87	4	adopts	adopt	VERB
fsr-3451	87	5	these	these	DET
fsr-3451	87	6	definitions	definition	NOUN
fsr-3451	87	7	.	.	PUNCT
fsr-3451	88	1	2.2.2	2.2.2	X
fsr-3451	88	2	.	.	PUNCT
fsr-3451	89	1	the	the	DET
fsr-3451	89	2	research	research	NOUN
fsr-3451	89	3	model	model	NOUN
fsr-3451	89	4	and	and	CCONJ
fsr-3451	89	5	hypotheses	hypothese	VERB
fsr-3451	89	6	the	the	DET
fsr-3451	89	7	research	research	NOUN
fsr-3451	89	8	model	model	NOUN
fsr-3451	89	9	is	be	AUX
fsr-3451	89	10	presented	present	VERB
fsr-3451	89	11	in	in	ADP
fsr-3451	89	12	fig	fig	NOUN
fsr-3451	89	13	.	.	PUNCT
fsr-3451	90	1	1	1	NUM
fsr-3451	90	2	as	as	SCONJ
fsr-3451	90	3	can	can	AUX
fsr-3451	90	4	be	be	AUX
fsr-3451	90	5	seen	see	VERB
fsr-3451	91	1	,	,	PUNCT
fsr-3451	91	2	the	the	DET
fsr-3451	91	3	literature	literature	NOUN
fsr-3451	91	4	suggests	suggest	VERB
fsr-3451	91	5	that	that	SCONJ
fsr-3451	91	6	usability	usability	NOUN
fsr-3451	91	7	is	be	AUX
fsr-3451	91	8	related	relate	VERB
fsr-3451	91	9	to	to	ADP
fsr-3451	91	10	responsiveness	responsiveness	NOUN
fsr-3451	91	11	,	,	PUNCT
fsr-3451	91	12	customer	customer	NOUN
fsr-3451	91	13	satisfaction	satisfaction	NOUN
fsr-3451	91	14	,	,	PUNCT
fsr-3451	91	15	and	and	CCONJ
fsr-3451	91	16	reliability	reliability	NOUN
fsr-3451	91	17	,	,	PUNCT
fsr-3451	91	18	as	as	SCONJ
fsr-3451	91	19	indicated	indicate	VERB
fsr-3451	91	20	by	by	ADP
fsr-3451	91	21	h1	h1	PROPN
fsr-3451	91	22	,	,	PUNCT
fsr-3451	91	23	h2	h2	PROPN
fsr-3451	91	24	,	,	PUNCT
fsr-3451	91	25	and	and	CCONJ
fsr-3451	91	26	h3	h3	NOUN
fsr-3451	91	27	.	.	PUNCT
fsr-3451	92	1	subsequently	subsequently	ADV
fsr-3451	92	2	,	,	PUNCT
fsr-3451	92	3	responsiveness	responsiveness	NOUN
fsr-3451	92	4	and	and	CCONJ
fsr-3451	92	5	reliability	reliability	NOUN
fsr-3451	92	6	are	be	AUX
fsr-3451	92	7	related	relate	VERB
fsr-3451	92	8	to	to	ADP
fsr-3451	92	9	customer	customer	NOUN
fsr-3451	92	10	satisfaction	satisfaction	NOUN
fsr-3451	92	11	,	,	PUNCT
fsr-3451	92	12	as	as	SCONJ
fsr-3451	92	13	indicated	indicate	VERB
fsr-3451	92	14	by	by	ADP
fsr-3451	92	15	h4	h4	NOUN
fsr-3451	92	16	and	and	CCONJ
fsr-3451	92	17	h5	h5	NOUN
fsr-3451	92	18	.	.	PUNCT
fsr-3451	93	1	finally	finally	ADV
fsr-3451	93	2	,	,	PUNCT
fsr-3451	93	3	these	these	DET
fsr-3451	93	4	three	three	NUM
fsr-3451	93	5	concepts	concept	NOUN
fsr-3451	93	6	are	be	AUX
fsr-3451	93	7	related	relate	VERB
fsr-3451	93	8	to	to	ADP
fsr-3451	93	9	loyalty	loyalty	NOUN
fsr-3451	93	10	,	,	PUNCT
fsr-3451	93	11	as	as	SCONJ
fsr-3451	93	12	indicated	indicate	VERB
fsr-3451	93	13	by	by	ADP
fsr-3451	93	14	h6	h6	PROPN
fsr-3451	93	15	,	,	PUNCT
fsr-3451	93	16	h7	h7	PROPN
fsr-3451	93	17	,	,	PUNCT
fsr-3451	93	18	and	and	CCONJ
fsr-3451	93	19	h8	h8	PROPN
fsr-3451	93	20	.	.	PUNCT
fsr-3451	94	1	the	the	DET
fsr-3451	94	2	eight	eight	NUM
fsr-3451	94	3	hypotheses	hypothesis	NOUN
fsr-3451	94	4	are	be	AUX
fsr-3451	94	5	developed	develop	VERB
fsr-3451	94	6	below	below	ADV
fsr-3451	94	7	.	.	PUNCT
fsr-3451	95	1	in	in	ADP
fsr-3451	95	2	the	the	DET
fsr-3451	95	3	banking	banking	NOUN
fsr-3451	95	4	sector	sector	NOUN
fsr-3451	95	5	,	,	PUNCT
fsr-3451	95	6	usability	usability	NOUN
fsr-3451	95	7	will	will	AUX
fsr-3451	95	8	likely	likely	ADV
fsr-3451	95	9	enhance	enhance	VERB
fsr-3451	95	10	speed	speed	NOUN
fsr-3451	95	11	,	,	PUNCT
fsr-3451	95	12	ease	ease	VERB
fsr-3451	95	13	site	site	NOUN
fsr-3451	95	14	navigation	navigation	NOUN
fsr-3451	95	15	,	,	PUNCT
fsr-3451	95	16	and	and	CCONJ
fsr-3451	95	17	increase	increase	VERB
fsr-3451	95	18	user	user	NOUN
fsr-3451	95	19	control	control	NOUN
fsr-3451	95	20	(	(	PUNCT
fsr-3451	95	21	casaló	casaló	NOUN
fsr-3451	95	22	et	et	PROPN
fsr-3451	95	23	al	al	PROPN
fsr-3451	95	24	.	.	PROPN
fsr-3451	95	25	,	,	PUNCT
fsr-3451	95	26	2007	2007	NUM
fsr-3451	95	27	,	,	PUNCT
fsr-3451	95	28	2008	2008	NUM
fsr-3451	95	29	;	;	PUNCT
fsr-3451	95	30	flavian	flavian	NOUN
fsr-3451	95	31	et	et	PROPN
fsr-3451	95	32	al	al	PROPN
fsr-3451	95	33	.	.	PROPN
fsr-3451	95	34	,	,	PUNCT
fsr-3451	95	35	2006	2006	NUM
fsr-3451	95	36	)	)	PUNCT
fsr-3451	95	37	.	.	PUNCT
fsr-3451	96	1	usability	usability	NOUN
fsr-3451	96	2	can	can	AUX
fsr-3451	96	3	offer	offer	VERB
fsr-3451	96	4	various	various	ADJ
fsr-3451	96	5	benefits	benefit	NOUN
fsr-3451	96	6	to	to	ADP
fsr-3451	96	7	customers	customer	NOUN
fsr-3451	96	8	(	(	PUNCT
fsr-3451	96	9	calisir	calisir	PROPN
fsr-3451	96	10	&	&	CCONJ
fsr-3451	96	11	gumussoy	gumussoy	PROPN
fsr-3451	96	12	,	,	PUNCT
fsr-3451	96	13	2008	2008	NUM
fsr-3451	96	14	)	)	PUNCT
fsr-3451	96	15	,	,	PUNCT
fsr-3451	96	16	such	such	ADJ
fsr-3451	96	17	as	as	ADP
fsr-3451	96	18	the	the	DET
fsr-3451	96	19	ability	ability	NOUN
fsr-3451	96	20	to	to	PART
fsr-3451	96	21	get	get	VERB
fsr-3451	96	22	banking	banking	NOUN
fsr-3451	96	23	help	help	NOUN
fsr-3451	96	24	in	in	ADP
fsr-3451	96	25	various	various	ADJ
fsr-3451	96	26	critical	critical	ADJ
fsr-3451	96	27	situations	situation	NOUN
fsr-3451	96	28	(	(	PUNCT
fsr-3451	96	29	gumussoy	gumussoy	NOUN
fsr-3451	96	30	,	,	PUNCT
fsr-3451	96	31	2016	2016	NUM
fsr-3451	96	32	)	)	PUNCT
fsr-3451	96	33	,	,	PUNCT
fsr-3451	96	34	to	to	PART
fsr-3451	96	35	access	access	VERB
fsr-3451	96	36	a	a	DET
fsr-3451	96	37	user	user	NOUN
fsr-3451	96	38	-	-	PUNCT
fsr-3451	96	39	friendly	friendly	ADJ
fsr-3451	96	40	system	system	NOUN
fsr-3451	96	41	(	(	PUNCT
fsr-3451	96	42	hussien	hussien	PROPN
fsr-3451	96	43	&	&	CCONJ
fsr-3451	96	44	aziz	aziz	PROPN
fsr-3451	96	45	,	,	PUNCT
fsr-3451	96	46	2013	2013	NUM
fsr-3451	96	47	)	)	PUNCT
fsr-3451	96	48	,	,	PUNCT
fsr-3451	96	49	and	and	CCONJ
fsr-3451	96	50	to	to	PART
fsr-3451	96	51	use	use	VERB
fsr-3451	96	52	a	a	DET
fsr-3451	96	53	variety	variety	NOUN
fsr-3451	96	54	of	of	ADP
fsr-3451	96	55	communication	communication	NOUN
fsr-3451	96	56	channels	channel	NOUN
fsr-3451	96	57	(	(	PUNCT
fsr-3451	96	58	laukkanen	laukkanen	ADJ
fsr-3451	96	59	,	,	PUNCT
fsr-3451	96	60	2007	2007	NUM
fsr-3451	96	61	)	)	PUNCT
fsr-3451	96	62	.	.	PUNCT
fsr-3451	97	1	offering	offer	VERB
fsr-3451	97	2	a	a	DET
fsr-3451	97	3	high	high	ADJ
fsr-3451	97	4	level	level	NOUN
fsr-3451	97	5	of	of	ADP
fsr-3451	97	6	usability	usability	NOUN
fsr-3451	97	7	will	will	AUX
fsr-3451	97	8	likely	likely	ADV
fsr-3451	97	9	lead	lead	VERB
fsr-3451	97	10	to	to	ADP
fsr-3451	97	11	good	good	ADJ
fsr-3451	97	12	responsiveness	responsiveness	NOUN
fsr-3451	97	13	(	(	PUNCT
fsr-3451	97	14	raza	raza	PROPN
fsr-3451	97	15	,	,	PUNCT
fsr-3451	97	16	jawaid	jawaid	PROPN
fsr-3451	97	17	,	,	PUNCT
fsr-3451	97	18	&	&	CCONJ
fsr-3451	97	19	hassan	hassan	PROPN
fsr-3451	97	20	,	,	PUNCT
fsr-3451	97	21	2015	2015	NUM
fsr-3451	97	22	)	)	PUNCT
fsr-3451	97	23	.	.	PUNCT
fsr-3451	98	1	accordingly	accordingly	ADV
fsr-3451	98	2	,	,	PUNCT
fsr-3451	98	3	this	this	DET
fsr-3451	98	4	study	study	NOUN
fsr-3451	98	5	proposes	propose	VERB
fsr-3451	98	6	the	the	DET
fsr-3451	98	7	following	follow	VERB
fsr-3451	98	8	hypothesis	hypothesis	NOUN
fsr-3451	98	9	in	in	ADP
fsr-3451	98	10	the	the	DET
fsr-3451	98	11	mba	mba	NOUN
fsr-3451	98	12	context	context	NOUN
fsr-3451	98	13	:	:	PUNCT
fsr-3451	98	14	hypothesis	hypothesis	NOUN
fsr-3451	98	15	1	1	NUM
fsr-3451	98	16	(	(	PUNCT
fsr-3451	98	17	h1	h1	PROPN
fsr-3451	98	18	):	):	PUNCT
fsr-3451	98	19	the	the	PRON
fsr-3451	98	20	higher	high	ADJ
fsr-3451	98	21	the	the	DET
fsr-3451	98	22	usability	usability	NOUN
fsr-3451	98	23	,	,	PUNCT
fsr-3451	98	24	the	the	PRON
fsr-3451	98	25	higher	high	ADJ
fsr-3451	98	26	the	the	DET
fsr-3451	98	27	responsiveness	responsiveness	NOUN
fsr-3451	98	28	is	be	AUX
fsr-3451	98	29	likely	likely	ADJ
fsr-3451	98	30	to	to	PART
fsr-3451	98	31	be	be	AUX
fsr-3451	98	32	.	.	PUNCT
fsr-3451	99	1	generally	generally	ADV
fsr-3451	99	2	,	,	PUNCT
fsr-3451	99	3	usability	usability	NOUN
fsr-3451	99	4	can	can	AUX
fsr-3451	99	5	lead	lead	VERB
fsr-3451	99	6	to	to	ADP
fsr-3451	99	7	a	a	DET
fsr-3451	99	8	pleasant	pleasant	ADJ
fsr-3451	99	9	user	user	NOUN
fsr-3451	99	10	experience	experience	NOUN
fsr-3451	99	11	(	(	PUNCT
fsr-3451	99	12	nielsen	nielsen	PROPN
fsr-3451	99	13	,	,	PUNCT
fsr-3451	99	14	1994	1994	NUM
fsr-3451	99	15	)	)	PUNCT
fsr-3451	99	16	,	,	PUNCT
fsr-3451	99	17	affect	affect	VERB
fsr-3451	99	18	customer	customer	NOUN
fsr-3451	99	19	expectations	expectation	NOUN
fsr-3451	99	20	(	(	PUNCT
fsr-3451	99	21	bhattacherjee	bhattacherjee	ADJ
fsr-3451	99	22	,	,	PUNCT
fsr-3451	99	23	2001	2001	NUM
fsr-3451	99	24	)	)	PUNCT
fsr-3451	99	25	,	,	PUNCT
fsr-3451	99	26	and	and	CCONJ
fsr-3451	99	27	ensure	ensure	VERB
fsr-3451	99	28	customer	customer	NOUN
fsr-3451	99	29	satisfaction	satisfaction	NOUN
fsr-3451	99	30	.	.	PUNCT
fsr-3451	100	1	theoretical	theoretical	ADJ
fsr-3451	100	2	arguments	argument	NOUN
fsr-3451	100	3	and	and	CCONJ
fsr-3451	100	4	empirical	empirical	ADJ
fsr-3451	100	5	results	result	NOUN
fsr-3451	100	6	have	have	AUX
fsr-3451	100	7	emphasized	emphasize	VERB
fsr-3451	100	8	the	the	DET
fsr-3451	100	9	importance	importance	NOUN
fsr-3451	100	10	of	of	ADP
fsr-3451	100	11	usability	usability	NOUN
fsr-3451	100	12	for	for	ADP
fsr-3451	100	13	customer	customer	NOUN
fsr-3451	100	14	decisions	decision	NOUN
fsr-3451	100	15	to	to	PART
fsr-3451	100	16	use	use	VERB
fsr-3451	100	17	certain	certain	ADJ
fsr-3451	100	18	technological	technological	ADJ
fsr-3451	100	19	applications	application	NOUN
fsr-3451	100	20	(	(	PUNCT
fsr-3451	100	21	e.g.	e.g.	ADV
fsr-3451	100	22	,	,	PUNCT
fsr-3451	100	23	hoehle	hoehle	NOUN
fsr-3451	100	24	&	&	CCONJ
fsr-3451	100	25	venkatesh	venkatesh	PROPN
fsr-3451	100	26	,	,	PUNCT
fsr-3451	100	27	2015	2015	NUM
fsr-3451	100	28	)	)	PUNCT
fsr-3451	100	29	.	.	PUNCT
fsr-3451	101	1	in	in	ADP
fsr-3451	101	2	the	the	DET
fsr-3451	101	3	online	online	ADJ
fsr-3451	101	4	banking	banking	NOUN
fsr-3451	101	5	context	context	NOUN
fsr-3451	101	6	,	,	PUNCT
fsr-3451	101	7	empirical	empirical	ADJ
fsr-3451	101	8	results	result	NOUN
fsr-3451	101	9	indicate	indicate	VERB
fsr-3451	101	10	that	that	SCONJ
fsr-3451	101	11	usability	usability	NOUN
fsr-3451	101	12	can	can	AUX
fsr-3451	101	13	significantly	significantly	ADV
fsr-3451	101	14	affect	affect	VERB
fsr-3451	101	15	m.	m.	NOUN
fsr-3451	101	16	nourallah	nourallah	PROPN
fsr-3451	101	17	et	et	PROPN
fsr-3451	101	18	al	al	PROPN
fsr-3451	101	19	.	.	PUNCT
fsr-3451	101	20	/	/	SYM
fsr-3451	101	21	financial	financial	ADJ
fsr-3451	101	22	services	service	NOUN
fsr-3451	101	23	review	review	VERB
fsr-3451	101	24	29	29	NUM
fsr-3451	101	25	(	(	PUNCT
fsr-3451	101	26	2021	2021	NUM
fsr-3451	101	27	)	)	PUNCT
fsr-3451	101	28	147–167	147–167	NUM
fsr-3451	101	29	151	151	NUM
fsr-3451	101	30	customer	customer	NOUN
fsr-3451	101	31	satisfaction	satisfaction	NOUN
fsr-3451	101	32	(	(	PUNCT
fsr-3451	101	33	casaló	casaló	NOUN
fsr-3451	101	34	et	et	PROPN
fsr-3451	101	35	al	al	PROPN
fsr-3451	101	36	.	.	PROPN
fsr-3451	101	37	,	,	PUNCT
fsr-3451	101	38	2008	2008	NUM
fsr-3451	101	39	;	;	PUNCT
fsr-3451	101	40	flavian	flavian	NOUN
fsr-3451	101	41	et	et	PROPN
fsr-3451	101	42	al	al	PROPN
fsr-3451	101	43	.	.	PROPN
fsr-3451	101	44	,	,	PUNCT
fsr-3451	101	45	2006	2006	NUM
fsr-3451	101	46	;	;	PUNCT
fsr-3451	101	47	hussien	hussien	PROPN
fsr-3451	101	48	&	&	CCONJ
fsr-3451	101	49	aziz	aziz	PROPN
fsr-3451	101	50	,	,	PUNCT
fsr-3451	101	51	2013	2013	NUM
fsr-3451	101	52	)	)	PUNCT
fsr-3451	101	53	.	.	PUNCT
fsr-3451	102	1	similarly	similarly	ADV
fsr-3451	102	2	,	,	PUNCT
fsr-3451	102	3	thakur	thakur	PROPN
fsr-3451	102	4	(	(	PUNCT
fsr-3451	102	5	2014	2014	NUM
fsr-3451	102	6	)	)	PUNCT
fsr-3451	102	7	,	,	PUNCT
fsr-3451	102	8	when	when	SCONJ
fsr-3451	102	9	studying	study	VERB
fsr-3451	102	10	mbas	mbas	NOUN
fsr-3451	102	11	in	in	ADP
fsr-3451	102	12	india	india	PROPN
fsr-3451	102	13	,	,	PUNCT
fsr-3451	102	14	finds	find	VERB
fsr-3451	102	15	that	that	SCONJ
fsr-3451	102	16	usability	usability	NOUN
fsr-3451	102	17	affects	affect	VERB
fsr-3451	102	18	customer	customer	NOUN
fsr-3451	102	19	satisfaction	satisfaction	NOUN
fsr-3451	102	20	.	.	PUNCT
fsr-3451	103	1	the	the	DET
fsr-3451	103	2	following	follow	VERB
fsr-3451	103	3	hypothesis	hypothesis	NOUN
fsr-3451	103	4	is	be	AUX
fsr-3451	103	5	accordingly	accordingly	ADV
fsr-3451	103	6	formulated	formulate	VERB
fsr-3451	103	7	:	:	PUNCT
fsr-3451	103	8	hypothesis	hypothesis	NOUN
fsr-3451	103	9	2	2	NUM
fsr-3451	103	10	(	(	PUNCT
fsr-3451	103	11	h2	h2	NOUN
fsr-3451	103	12	):	):	PUNCT
fsr-3451	103	13	the	the	PRON
fsr-3451	103	14	higher	high	ADJ
fsr-3451	103	15	the	the	DET
fsr-3451	103	16	usability	usability	NOUN
fsr-3451	103	17	,	,	PUNCT
fsr-3451	103	18	the	the	PRON
fsr-3451	103	19	higher	high	ADJ
fsr-3451	103	20	the	the	DET
fsr-3451	103	21	customer	customer	NOUN
fsr-3451	103	22	satisfaction	satisfaction	NOUN
fsr-3451	103	23	is	be	AUX
fsr-3451	103	24	likely	likely	ADJ
fsr-3451	103	25	to	to	PART
fsr-3451	103	26	be	be	AUX
fsr-3451	103	27	.	.	PUNCT
fsr-3451	104	1	usability	usability	NOUN
fsr-3451	104	2	is	be	AUX
fsr-3451	104	3	also	also	ADV
fsr-3451	104	4	considered	consider	VERB
fsr-3451	104	5	a	a	DET
fsr-3451	104	6	key	key	ADJ
fsr-3451	104	7	factor	factor	NOUN
fsr-3451	104	8	in	in	ADP
fsr-3451	104	9	e	e	NOUN
fsr-3451	104	10	-	-	NOUN
fsr-3451	104	11	business	business	ADJ
fsr-3451	104	12	success	success	NOUN
fsr-3451	104	13	(	(	PUNCT
fsr-3451	104	14	lee	lee	PROPN
fsr-3451	104	15	&	&	CCONJ
fsr-3451	104	16	kozar	kozar	PROPN
fsr-3451	104	17	,	,	PUNCT
fsr-3451	104	18	2012	2012	NUM
fsr-3451	104	19	)	)	PUNCT
fsr-3451	104	20	,	,	PUNCT
fsr-3451	104	21	and	and	CCONJ
fsr-3451	104	22	high	high	ADJ
fsr-3451	104	23	usability	usability	NOUN
fsr-3451	104	24	ensures	ensure	VERB
fsr-3451	104	25	fewer	few	ADJ
fsr-3451	104	26	difficulties	difficulty	NOUN
fsr-3451	104	27	in	in	ADP
fsr-3451	104	28	using	use	VERB
fsr-3451	104	29	a	a	DET
fsr-3451	104	30	certain	certain	ADJ
fsr-3451	104	31	system	system	NOUN
fsr-3451	104	32	(	(	PUNCT
fsr-3451	104	33	davis	davis	PROPN
fsr-3451	104	34	,	,	PUNCT
fsr-3451	104	35	1989	1989	NUM
fsr-3451	104	36	)	)	PUNCT
fsr-3451	104	37	,	,	PUNCT
fsr-3451	104	38	promotes	promote	VERB
fsr-3451	104	39	ease	ease	NOUN
fsr-3451	104	40	of	of	ADP
fsr-3451	104	41	use	use	NOUN
fsr-3451	104	42	of	of	ADP
fsr-3451	104	43	that	that	DET
fsr-3451	104	44	system	system	NOUN
fsr-3451	104	45	(	(	PUNCT
fsr-3451	104	46	nielsen	nielsen	PROPN
fsr-3451	104	47	,	,	PUNCT
fsr-3451	104	48	1994	1994	NUM
fsr-3451	104	49	)	)	PUNCT
fsr-3451	104	50	,	,	PUNCT
fsr-3451	104	51	and	and	CCONJ
fsr-3451	104	52	reduces	reduce	VERB
fsr-3451	104	53	possible	possible	ADJ
fsr-3451	104	54	errors	error	NOUN
fsr-3451	104	55	(	(	PUNCT
fsr-3451	104	56	sanchez	sanchez	NOUN
fsr-3451	104	57	-	-	PUNCT
fsr-3451	104	58	franco	franco	PROPN
fsr-3451	104	59	&	&	CCONJ
fsr-3451	104	60	rondan	rondan	PROPN
fsr-3451	104	61	-	-	PROPN
fsr-3451	104	62	cataluña	cataluña	PROPN
fsr-3451	104	63	,	,	PUNCT
fsr-3451	104	64	2010	2010	NUM
fsr-3451	104	65	)	)	PUNCT
fsr-3451	104	66	.	.	PUNCT
fsr-3451	105	1	in	in	ADP
fsr-3451	105	2	contrast	contrast	NOUN
fsr-3451	105	3	,	,	PUNCT
fsr-3451	105	4	low	low	ADJ
fsr-3451	105	5	usability	usability	NOUN
fsr-3451	105	6	generates	generate	VERB
fsr-3451	105	7	payment	payment	NOUN
fsr-3451	105	8	-	-	PUNCT
fsr-3451	105	9	related	relate	VERB
fsr-3451	105	10	issues	issue	NOUN
fsr-3451	105	11	(	(	PUNCT
fsr-3451	105	12	flavian	flavian	NOUN
fsr-3451	105	13	et	et	PROPN
fsr-3451	105	14	al	al	PROPN
fsr-3451	105	15	.	.	PROPN
fsr-3451	105	16	,	,	PUNCT
fsr-3451	105	17	2006	2006	NUM
fsr-3451	105	18	)	)	PUNCT
fsr-3451	105	19	.	.	PUNCT
fsr-3451	106	1	since	since	SCONJ
fsr-3451	106	2	high	high	ADJ
fsr-3451	106	3	mba	mba	NOUN
fsr-3451	106	4	usability	usability	NOUN
fsr-3451	106	5	ensures	ensure	VERB
fsr-3451	106	6	trustworthy	trustworthy	ADJ
fsr-3451	106	7	financial	financial	ADJ
fsr-3451	106	8	services	service	NOUN
fsr-3451	106	9	in	in	ADP
fsr-3451	106	10	terms	term	NOUN
fsr-3451	106	11	of	of	ADP
fsr-3451	106	12	transferring	transfer	VERB
fsr-3451	106	13	money	money	NOUN
fsr-3451	106	14	,	,	PUNCT
fsr-3451	106	15	obtaining	obtain	VERB
fsr-3451	106	16	account	account	NOUN
fsr-3451	106	17	information	information	NOUN
fsr-3451	106	18	,	,	PUNCT
fsr-3451	106	19	and	and	CCONJ
fsr-3451	106	20	paying	pay	VERB
fsr-3451	106	21	bills	bill	NOUN
fsr-3451	106	22	(	(	PUNCT
fsr-3451	106	23	mohammadi	mohammadi	NOUN
fsr-3451	106	24	,	,	PUNCT
fsr-3451	106	25	2015	2015	NUM
fsr-3451	106	26	)	)	PUNCT
fsr-3451	106	27	,	,	PUNCT
fsr-3451	106	28	it	it	PRON
fsr-3451	106	29	can	can	AUX
fsr-3451	106	30	be	be	AUX
fsr-3451	106	31	argued	argue	VERB
fsr-3451	106	32	that	that	SCONJ
fsr-3451	106	33	usability	usability	NOUN
fsr-3451	106	34	drives	drive	VERB
fsr-3451	106	35	reliability	reliability	NOUN
fsr-3451	106	36	(	(	PUNCT
fsr-3451	106	37	cf	cf	NOUN
fsr-3451	106	38	.	.	PUNCT
fsr-3451	107	1	benlian	benlian	PROPN
fsr-3451	107	2	&	&	CCONJ
fsr-3451	107	3	hess	hess	PROPN
fsr-3451	107	4	,	,	PUNCT
fsr-3451	107	5	2011	2011	NUM
fsr-3451	107	6	)	)	PUNCT
fsr-3451	107	7	.	.	PUNCT
fsr-3451	108	1	hence	hence	ADV
fsr-3451	108	2	,	,	PUNCT
fsr-3451	108	3	it	it	PRON
fsr-3451	108	4	is	be	AUX
fsr-3451	108	5	hypothesized	hypothesize	VERB
fsr-3451	108	6	that	that	SCONJ
fsr-3451	108	7	:	:	PUNCT
fsr-3451	108	8	hypothesis	hypothesis	NOUN
fsr-3451	108	9	3	3	NUM
fsr-3451	108	10	(	(	PUNCT
fsr-3451	108	11	h3	h3	NOUN
fsr-3451	108	12	):	):	PUNCT
fsr-3451	108	13	the	the	PRON
fsr-3451	108	14	higher	high	ADJ
fsr-3451	108	15	the	the	DET
fsr-3451	108	16	usability	usability	NOUN
fsr-3451	108	17	,	,	PUNCT
fsr-3451	108	18	the	the	PRON
fsr-3451	108	19	higher	high	ADJ
fsr-3451	108	20	the	the	DET
fsr-3451	108	21	reliability	reliability	NOUN
fsr-3451	108	22	is	be	AUX
fsr-3451	108	23	likely	likely	ADJ
fsr-3451	108	24	to	to	PART
fsr-3451	108	25	be	be	AUX
fsr-3451	108	26	.	.	PUNCT
fsr-3451	109	1	responsiveness	responsiveness	NOUN
fsr-3451	109	2	is	be	AUX
fsr-3451	109	3	the	the	DET
fsr-3451	109	4	ability	ability	NOUN
fsr-3451	109	5	to	to	PART
fsr-3451	109	6	provide	provide	VERB
fsr-3451	109	7	help	help	NOUN
fsr-3451	109	8	and	and	CCONJ
fsr-3451	109	9	instant	instant	ADJ
fsr-3451	109	10	services	service	NOUN
fsr-3451	109	11	to	to	ADP
fsr-3451	109	12	customers	customer	NOUN
fsr-3451	109	13	,	,	PUNCT
fsr-3451	109	14	that	that	ADV
fsr-3451	109	15	is	is	ADV
fsr-3451	109	16	,	,	PUNCT
fsr-3451	109	17	provide	provide	VERB
fsr-3451	109	18	fast	fast	ADJ
fsr-3451	109	19	replies	reply	NOUN
fsr-3451	109	20	regarding	regard	VERB
fsr-3451	109	21	their	their	PRON
fsr-3451	109	22	bank	bank	NOUN
fsr-3451	109	23	accounts	account	NOUN
fsr-3451	109	24	(	(	PUNCT
fsr-3451	109	25	raza	raza	NOUN
fsr-3451	109	26	et	et	PROPN
fsr-3451	109	27	al	al	PROPN
fsr-3451	109	28	.	.	PROPN
fsr-3451	109	29	,	,	PUNCT
fsr-3451	109	30	2015	2015	NUM
fsr-3451	109	31	)	)	PUNCT
fsr-3451	109	32	,	,	PUNCT
fsr-3451	109	33	in	in	ADP
fsr-3451	109	34	turn	turn	NOUN
fsr-3451	109	35	increasing	increase	VERB
fsr-3451	109	36	the	the	DET
fsr-3451	109	37	customer	customer	NOUN
fsr-3451	109	38	satisfaction	satisfaction	NOUN
fsr-3451	109	39	(	(	PUNCT
fsr-3451	109	40	iberahim	iberahim	NOUN
fsr-3451	109	41	et	et	PROPN
fsr-3451	109	42	al	al	PROPN
fsr-3451	109	43	.	.	PROPN
fsr-3451	109	44	,	,	PUNCT
fsr-3451	109	45	2016	2016	NUM
fsr-3451	109	46	)	)	PUNCT
fsr-3451	109	47	.	.	PUNCT
fsr-3451	110	1	previous	previous	ADJ
fsr-3451	110	2	studies	study	NOUN
fsr-3451	110	3	in	in	ADP
fsr-3451	110	4	the	the	DET
fsr-3451	110	5	banking	banking	NOUN
fsr-3451	110	6	sector	sector	NOUN
fsr-3451	110	7	have	have	AUX
fsr-3451	110	8	presented	present	VERB
fsr-3451	110	9	contrasting	contrast	VERB
fsr-3451	110	10	observations	observation	NOUN
fsr-3451	110	11	about	about	ADP
fsr-3451	110	12	this	this	DET
fsr-3451	110	13	relationship	relationship	NOUN
fsr-3451	110	14	.	.	PUNCT
fsr-3451	111	1	while	while	SCONJ
fsr-3451	111	2	raza	raza	PROPN
fsr-3451	111	3	et	et	PROPN
fsr-3451	111	4	al	al	PROPN
fsr-3451	111	5	.	.	PROPN
fsr-3451	111	6	(	(	PUNCT
fsr-3451	111	7	2015	2015	NUM
fsr-3451	111	8	)	)	PUNCT
fsr-3451	111	9	and	and	CCONJ
fsr-3451	111	10	saleem	saleem	PROPN
fsr-3451	111	11	,	,	PUNCT
fsr-3451	111	12	zahra	zahra	PROPN
fsr-3451	111	13	,	,	PUNCT
fsr-3451	111	14	ahmad	ahmad	PROPN
fsr-3451	111	15	,	,	PUNCT
fsr-3451	111	16	and	and	CCONJ
fsr-3451	111	17	ismail	ismail	NOUN
fsr-3451	111	18	(	(	PUNCT
fsr-3451	111	19	2016	2016	NUM
fsr-3451	111	20	)	)	PUNCT
fsr-3451	111	21	state	state	NOUN
fsr-3451	111	22	that	that	SCONJ
fsr-3451	111	23	there	there	PRON
fsr-3451	111	24	is	be	VERB
fsr-3451	111	25	a	a	DET
fsr-3451	111	26	significant	significant	ADJ
fsr-3451	111	27	relationship	relationship	NOUN
fsr-3451	111	28	between	between	ADP
fsr-3451	111	29	responsiveness	responsiveness	NOUN
fsr-3451	111	30	and	and	CCONJ
fsr-3451	111	31	customer	customer	NOUN
fsr-3451	111	32	satisfaction	satisfaction	NOUN
fsr-3451	111	33	,	,	PUNCT
fsr-3451	111	34	other	other	ADJ
fsr-3451	111	35	studies	study	NOUN
fsr-3451	111	36	(	(	PUNCT
fsr-3451	111	37	kassim	kassim	PROPN
fsr-3451	111	38	&	&	CCONJ
fsr-3451	111	39	asiah	asiah	PROPN
fsr-3451	111	40	abdullah	abdullah	PROPN
fsr-3451	111	41	,	,	PUNCT
fsr-3451	111	42	2010	2010	NUM
fsr-3451	111	43	;	;	PUNCT
fsr-3451	111	44	munusamy	munusamy	NOUN
fsr-3451	111	45	,	,	PUNCT
fsr-3451	111	46	chelliah	chelliah	PROPN
fsr-3451	111	47	,	,	PUNCT
fsr-3451	111	48	&	&	CCONJ
fsr-3451	111	49	mun	mun	PROPN
fsr-3451	111	50	,	,	PUNCT
fsr-3451	111	51	2010	2010	NUM
fsr-3451	111	52	)	)	PUNCT
fsr-3451	111	53	report	report	VERB
fsr-3451	111	54	contrary	contrary	ADJ
fsr-3451	111	55	results	result	NOUN
fsr-3451	111	56	.	.	PUNCT
fsr-3451	112	1	based	base	VERB
fsr-3451	112	2	on	on	ADP
fsr-3451	112	3	theoretical	theoretical	ADJ
fsr-3451	112	4	assumptions	assumption	NOUN
fsr-3451	112	5	and	and	CCONJ
fsr-3451	112	6	more	more	ADV
fsr-3451	112	7	recent	recent	ADJ
fsr-3451	112	8	empirical	empirical	ADJ
fsr-3451	112	9	studies	study	NOUN
fsr-3451	112	10	,	,	PUNCT
fsr-3451	112	11	the	the	DET
fsr-3451	112	12	current	current	ADJ
fsr-3451	112	13	study	study	NOUN
fsr-3451	112	14	suggests	suggest	VERB
fsr-3451	112	15	the	the	DET
fsr-3451	112	16	following	follow	VERB
fsr-3451	112	17	hypothesis	hypothesis	NOUN
fsr-3451	112	18	:	:	PUNCT
fsr-3451	112	19	hypothesis	hypothesis	NOUN
fsr-3451	112	20	4	4	NUM
fsr-3451	112	21	(	(	PUNCT
fsr-3451	112	22	h4	h4	NOUN
fsr-3451	112	23	):	):	PUNCT
fsr-3451	112	24	the	the	PRON
fsr-3451	112	25	higher	high	ADJ
fsr-3451	112	26	the	the	DET
fsr-3451	112	27	responsiveness	responsiveness	NOUN
fsr-3451	112	28	,	,	PUNCT
fsr-3451	112	29	the	the	PRON
fsr-3451	112	30	higher	high	ADJ
fsr-3451	112	31	the	the	DET
fsr-3451	112	32	customer	customer	NOUN
fsr-3451	112	33	satisfaction	satisfaction	NOUN
fsr-3451	112	34	is	be	AUX
fsr-3451	112	35	likely	likely	ADJ
fsr-3451	112	36	to	to	PART
fsr-3451	112	37	be	be	AUX
fsr-3451	112	38	.	.	PUNCT
fsr-3451	113	1	bauer	bauer	PROPN
fsr-3451	113	2	,	,	PUNCT
fsr-3451	113	3	falk	falk	NOUN
fsr-3451	113	4	,	,	PUNCT
fsr-3451	113	5	and	and	CCONJ
fsr-3451	113	6	hammerschmidt	hammerschmidt	ADJ
fsr-3451	113	7	(	(	PUNCT
fsr-3451	113	8	2006	2006	NUM
fsr-3451	113	9	)	)	PUNCT
fsr-3451	113	10	conclude	conclude	VERB
fsr-3451	113	11	that	that	SCONJ
fsr-3451	113	12	reliability	reliability	NOUN
fsr-3451	113	13	is	be	AUX
fsr-3451	113	14	the	the	DET
fsr-3451	113	15	most	most	ADV
fsr-3451	113	16	critical	critical	ADJ
fsr-3451	113	17	factor	factor	NOUN
fsr-3451	113	18	driving	drive	VERB
fsr-3451	113	19	customer	customer	NOUN
fsr-3451	113	20	satisfaction	satisfaction	NOUN
fsr-3451	113	21	.	.	PUNCT
fsr-3451	114	1	in	in	ADP
fsr-3451	114	2	investigating	investigate	VERB
fsr-3451	114	3	reliability	reliability	NOUN
fsr-3451	114	4	in	in	ADP
fsr-3451	114	5	mobile	mobile	ADJ
fsr-3451	114	6	payment	payment	NOUN
fsr-3451	114	7	services	service	NOUN
fsr-3451	114	8	,	,	PUNCT
fsr-3451	114	9	arvidsson	arvidsson	NOUN
fsr-3451	114	10	(	(	PUNCT
fsr-3451	114	11	2014	2014	NUM
fsr-3451	114	12	)	)	PUNCT
fsr-3451	114	13	finds	find	VERB
fsr-3451	114	14	that	that	SCONJ
fsr-3451	114	15	consumers	consumer	NOUN
fsr-3451	114	16	highly	highly	ADV
fsr-3451	114	17	rate	rate	VERB
fsr-3451	114	18	the	the	DET
fsr-3451	114	19	importance	importance	NOUN
fsr-3451	114	20	of	of	ADP
fsr-3451	114	21	reliability	reliability	NOUN
fsr-3451	114	22	.	.	PUNCT
fsr-3451	115	1	similarly	similarly	ADV
fsr-3451	115	2	,	,	PUNCT
fsr-3451	115	3	calisir	calisir	PROPN
fsr-3451	115	4	and	and	CCONJ
fsr-3451	115	5	gumussoy	gumussoy	VERB
fsr-3451	115	6	(	(	PUNCT
fsr-3451	115	7	2008	2008	NUM
fsr-3451	115	8	)	)	PUNCT
fsr-3451	115	9	emphasize	emphasize	VERB
fsr-3451	115	10	the	the	DET
fsr-3451	115	11	role	role	NOUN
fsr-3451	115	12	of	of	ADP
fsr-3451	115	13	reliability	reliability	NOUN
fsr-3451	115	14	in	in	ADP
fsr-3451	115	15	banking	banking	NOUN
fsr-3451	115	16	,	,	PUNCT
fsr-3451	115	17	and	and	CCONJ
fsr-3451	115	18	raza	raza	PROPN
fsr-3451	115	19	et	et	PROPN
fsr-3451	115	20	al	al	PROPN
fsr-3451	115	21	.	.	PROPN
fsr-3451	116	1	(	(	PUNCT
fsr-3451	116	2	2015	2015	NUM
fsr-3451	116	3	)	)	PUNCT
fsr-3451	116	4	demonstrate	demonstrate	VERB
fsr-3451	116	5	that	that	SCONJ
fsr-3451	116	6	reliability	reliability	NOUN
fsr-3451	116	7	has	have	VERB
fsr-3451	116	8	a	a	DET
fsr-3451	116	9	considerable	considerable	ADJ
fsr-3451	116	10	effect	effect	NOUN
fsr-3451	116	11	on	on	ADP
fsr-3451	116	12	customer	customer	NOUN
fsr-3451	116	13	satisfaction	satisfaction	NOUN
fsr-3451	116	14	.	.	PUNCT
fsr-3451	117	1	munusamy	munusamy	NOUN
fsr-3451	117	2	et	et	PROPN
fsr-3451	117	3	al	al	PROPN
fsr-3451	117	4	.	.	PROPN
fsr-3451	118	1	(	(	PUNCT
fsr-3451	118	2	2010	2010	NUM
fsr-3451	118	3	)	)	PUNCT
fsr-3451	118	4	investigate	investigate	VERB
fsr-3451	118	5	this	this	DET
fsr-3451	118	6	relationship	relationship	NOUN
fsr-3451	118	7	in	in	ADP
fsr-3451	118	8	the	the	DET
fsr-3451	118	9	banking	banking	NOUN
fsr-3451	118	10	sector	sector	NOUN
fsr-3451	118	11	in	in	ADP
fsr-3451	118	12	malaysia	malaysia	PROPN
fsr-3451	118	13	and	and	CCONJ
fsr-3451	118	14	fig	fig	NOUN
fsr-3451	118	15	.	.	PUNCT
fsr-3451	119	1	1	1	X
fsr-3451	119	2	.	.	X
fsr-3451	119	3	research	research	NOUN
fsr-3451	119	4	model	model	NOUN
fsr-3451	119	5	.	.	PUNCT
fsr-3451	120	1	152	152	NUM
fsr-3451	120	2	m.	m.	NOUN
fsr-3451	120	3	nourallah	nourallah	PROPN
fsr-3451	120	4	et	et	PROPN
fsr-3451	120	5	al	al	PROPN
fsr-3451	120	6	.	.	PUNCT
fsr-3451	120	7	/	/	SYM
fsr-3451	120	8	financial	financial	ADJ
fsr-3451	120	9	services	service	NOUN
fsr-3451	120	10	review	review	VERB
fsr-3451	120	11	29	29	NUM
fsr-3451	120	12	(	(	PUNCT
fsr-3451	120	13	2021	2021	NUM
fsr-3451	120	14	)	)	PUNCT
fsr-3451	120	15	147–167	147–167	NUM
fsr-3451	120	16	report	report	NOUN
fsr-3451	120	17	no	no	DET
fsr-3451	120	18	significant	significant	ADJ
fsr-3451	120	19	relationship	relationship	NOUN
fsr-3451	120	20	,	,	PUNCT
fsr-3451	120	21	and	and	CCONJ
fsr-3451	120	22	wen	wen	PROPN
fsr-3451	120	23	and	and	CCONJ
fsr-3451	120	24	hilmi	hilmi	PROPN
fsr-3451	120	25	(	(	PUNCT
fsr-3451	120	26	2011	2011	NUM
fsr-3451	120	27	)	)	PUNCT
fsr-3451	120	28	find	find	VERB
fsr-3451	120	29	the	the	DET
fsr-3451	120	30	same	same	ADJ
fsr-3451	120	31	lack	lack	NOUN
fsr-3451	120	32	of	of	ADP
fsr-3451	120	33	relationship	relationship	NOUN
fsr-3451	120	34	in	in	ADP
fsr-3451	120	35	another	another	DET
fsr-3451	120	36	malaysian	malaysian	ADJ
fsr-3451	120	37	study	study	NOUN
fsr-3451	120	38	.	.	PUNCT
fsr-3451	121	1	overall	overall	ADV
fsr-3451	121	2	,	,	PUNCT
fsr-3451	121	3	the	the	DET
fsr-3451	121	4	results	result	NOUN
fsr-3451	121	5	reported	report	VERB
fsr-3451	121	6	by	by	ADP
fsr-3451	121	7	most	most	ADJ
fsr-3451	121	8	of	of	ADP
fsr-3451	121	9	the	the	DET
fsr-3451	121	10	above	above	ADJ
fsr-3451	121	11	studies	study	NOUN
fsr-3451	121	12	lead	lead	VERB
fsr-3451	121	13	to	to	ADP
fsr-3451	121	14	the	the	DET
fsr-3451	121	15	following	follow	VERB
fsr-3451	121	16	hypothesis	hypothesis	NOUN
fsr-3451	121	17	:	:	PUNCT
fsr-3451	121	18	hypothesis	hypothesis	NOUN
fsr-3451	121	19	5	5	NUM
fsr-3451	121	20	(	(	PUNCT
fsr-3451	121	21	h5	h5	PROPN
fsr-3451	121	22	):	):	PUNCT
fsr-3451	121	23	the	the	PRON
fsr-3451	121	24	higher	high	ADJ
fsr-3451	121	25	the	the	DET
fsr-3451	121	26	reliability	reliability	NOUN
fsr-3451	121	27	,	,	PUNCT
fsr-3451	121	28	the	the	PRON
fsr-3451	121	29	higher	high	ADJ
fsr-3451	121	30	the	the	DET
fsr-3451	121	31	customer	customer	NOUN
fsr-3451	121	32	satisfaction	satisfaction	NOUN
fsr-3451	121	33	is	be	AUX
fsr-3451	121	34	likely	likely	ADJ
fsr-3451	121	35	to	to	PART
fsr-3451	121	36	be	be	AUX
fsr-3451	121	37	.	.	PUNCT
fsr-3451	122	1	quick	quick	ADJ
fsr-3451	122	2	responses	response	NOUN
fsr-3451	122	3	to	to	ADP
fsr-3451	122	4	customer	customer	NOUN
fsr-3451	122	5	questions	question	NOUN
fsr-3451	122	6	are	be	AUX
fsr-3451	122	7	seen	see	VERB
fsr-3451	122	8	as	as	ADP
fsr-3451	122	9	a	a	DET
fsr-3451	122	10	factor	factor	NOUN
fsr-3451	122	11	leading	lead	VERB
fsr-3451	122	12	to	to	ADP
fsr-3451	122	13	customer	customer	NOUN
fsr-3451	122	14	loyalty	loyalty	NOUN
fsr-3451	122	15	(	(	PUNCT
fsr-3451	122	16	srinivasan	srinivasan	NOUN
fsr-3451	122	17	,	,	PUNCT
fsr-3451	122	18	anderson	anderson	PROPN
fsr-3451	122	19	,	,	PUNCT
fsr-3451	122	20	&	&	CCONJ
fsr-3451	122	21	ponnavolu	ponnavolu	PROPN
fsr-3451	122	22	,	,	PUNCT
fsr-3451	122	23	2002	2002	NUM
fsr-3451	122	24	)	)	PUNCT
fsr-3451	122	25	.	.	PUNCT
fsr-3451	123	1	loyalty	loyalty	NOUN
fsr-3451	123	2	can	can	AUX
fsr-3451	123	3	be	be	AUX
fsr-3451	123	4	ensured	ensure	VERB
fsr-3451	123	5	by	by	ADP
fsr-3451	123	6	offering	offer	VERB
fsr-3451	123	7	a	a	DET
fsr-3451	123	8	variety	variety	NOUN
fsr-3451	123	9	of	of	ADP
fsr-3451	123	10	communication	communication	NOUN
fsr-3451	123	11	channels	channel	NOUN
fsr-3451	123	12	(	(	PUNCT
fsr-3451	123	13	verhoef	verhoef	NOUN
fsr-3451	123	14	&	&	CCONJ
fsr-3451	123	15	donkers	donker	NOUN
fsr-3451	123	16	,	,	PUNCT
fsr-3451	123	17	2005	2005	NUM
fsr-3451	123	18	)	)	PUNCT
fsr-3451	123	19	and	and	CCONJ
fsr-3451	123	20	by	by	ADP
fsr-3451	123	21	providing	provide	VERB
fsr-3451	123	22	embedded	embed	VERB
fsr-3451	123	23	ways	way	NOUN
fsr-3451	123	24	to	to	PART
fsr-3451	123	25	ask	ask	VERB
fsr-3451	123	26	for	for	ADP
fsr-3451	123	27	help	help	NOUN
fsr-3451	123	28	(	(	PUNCT
fsr-3451	123	29	awwad	awwad	PROPN
fsr-3451	123	30	&	&	CCONJ
fsr-3451	123	31	awad	awad	PROPN
fsr-3451	123	32	neimat	neimat	PROPN
fsr-3451	123	33	,	,	PUNCT
fsr-3451	123	34	2010	2010	NUM
fsr-3451	123	35	)	)	PUNCT
fsr-3451	123	36	.	.	PUNCT
fsr-3451	124	1	previous	previous	ADJ
fsr-3451	124	2	studies	study	NOUN
fsr-3451	124	3	report	report	VERB
fsr-3451	124	4	that	that	SCONJ
fsr-3451	124	5	responsiveness	responsiveness	NOUN
fsr-3451	124	6	could	could	AUX
fsr-3451	124	7	well	well	ADV
fsr-3451	124	8	affect	affect	VERB
fsr-3451	124	9	loyalty	loyalty	NOUN
fsr-3451	124	10	(	(	PUNCT
fsr-3451	124	11	marimon	marimon	PROPN
fsr-3451	124	12	,	,	PUNCT
fsr-3451	124	13	yaya	yaya	PROPN
fsr-3451	124	14	,	,	PUNCT
fsr-3451	124	15	&	&	CCONJ
fsr-3451	124	16	casadesus	casadesus	PROPN
fsr-3451	124	17	fa	fa	PROPN
fsr-3451	124	18	,	,	PUNCT
fsr-3451	124	19	2012	2012	NUM
fsr-3451	124	20	;	;	PUNCT
fsr-3451	124	21	moorthy	moorthy	ADJ
fsr-3451	124	22	,	,	PUNCT
fsr-3451	124	23	chee	chee	NOUN
fsr-3451	124	24	,	,	PUNCT
fsr-3451	124	25	yi	yi	PROPN
fsr-3451	124	26	,	,	PUNCT
fsr-3451	124	27	ying	ying	PROPN
fsr-3451	124	28	,	,	PUNCT
fsr-3451	124	29	woen	woen	NOUN
fsr-3451	124	30	,	,	PUNCT
fsr-3451	124	31	&	&	CCONJ
fsr-3451	124	32	wei	wei	PROPN
fsr-3451	124	33	,	,	PUNCT
fsr-3451	124	34	2017	2017	NUM
fsr-3451	124	35	)	)	PUNCT
fsr-3451	124	36	.	.	PUNCT
fsr-3451	125	1	in	in	ADP
fsr-3451	125	2	a	a	DET
fsr-3451	125	3	study	study	NOUN
fsr-3451	125	4	of	of	ADP
fsr-3451	125	5	mobile	mobile	PROPN
fsr-3451	125	6	commerce	commerce	PROPN
fsr-3451	125	7	,	,	PUNCT
fsr-3451	125	8	lin	lin	PROPN
fsr-3451	125	9	(	(	PUNCT
fsr-3451	125	10	2012	2012	NUM
fsr-3451	125	11	)	)	PUNCT
fsr-3451	125	12	finds	find	VERB
fsr-3451	125	13	a	a	DET
fsr-3451	125	14	significant	significant	ADJ
fsr-3451	125	15	relationship	relationship	NOUN
fsr-3451	125	16	between	between	ADP
fsr-3451	125	17	responsiveness	responsiveness	NOUN
fsr-3451	125	18	and	and	CCONJ
fsr-3451	125	19	loyalty	loyalty	NOUN
fsr-3451	125	20	.	.	PUNCT
fsr-3451	126	1	this	this	PRON
fsr-3451	126	2	leads	lead	VERB
fsr-3451	126	3	to	to	ADP
fsr-3451	126	4	the	the	DET
fsr-3451	126	5	following	follow	VERB
fsr-3451	126	6	hypothesis	hypothesis	NOUN
fsr-3451	126	7	:	:	PUNCT
fsr-3451	126	8	hypothesis	hypothesis	NOUN
fsr-3451	126	9	6	6	NUM
fsr-3451	126	10	(	(	PUNCT
fsr-3451	126	11	h6	h6	PROPN
fsr-3451	126	12	):	):	PUNCT
fsr-3451	126	13	the	the	PRON
fsr-3451	126	14	higher	high	ADJ
fsr-3451	126	15	the	the	DET
fsr-3451	126	16	responsiveness	responsiveness	NOUN
fsr-3451	126	17	,	,	PUNCT
fsr-3451	126	18	the	the	PRON
fsr-3451	126	19	higher	high	ADJ
fsr-3451	126	20	the	the	DET
fsr-3451	126	21	loyalty	loyalty	NOUN
fsr-3451	126	22	is	be	AUX
fsr-3451	126	23	likely	likely	ADJ
fsr-3451	126	24	to	to	PART
fsr-3451	126	25	be	be	AUX
fsr-3451	126	26	.	.	PUNCT
fsr-3451	127	1	customer	customer	NOUN
fsr-3451	127	2	satisfaction	satisfaction	NOUN
fsr-3451	127	3	is	be	AUX
fsr-3451	127	4	an	an	DET
fsr-3451	127	5	important	important	ADJ
fsr-3451	127	6	issue	issue	NOUN
fsr-3451	127	7	for	for	ADP
fsr-3451	127	8	any	any	DET
fsr-3451	127	9	company	company	NOUN
fsr-3451	127	10	(	(	PUNCT
fsr-3451	127	11	santouridis	santouridis	PROPN
fsr-3451	127	12	&	&	CCONJ
fsr-3451	127	13	trivellas	trivella	NOUN
fsr-3451	127	14	,	,	PUNCT
fsr-3451	127	15	2010	2010	NUM
fsr-3451	127	16	)	)	PUNCT
fsr-3451	127	17	,	,	PUNCT
fsr-3451	127	18	and	and	CCONJ
fsr-3451	127	19	banks	bank	NOUN
fsr-3451	127	20	are	be	AUX
fsr-3451	127	21	no	no	DET
fsr-3451	127	22	exception	exception	NOUN
fsr-3451	127	23	.	.	PUNCT
fsr-3451	128	1	it	it	PRON
fsr-3451	128	2	explains	explain	VERB
fsr-3451	128	3	post	post	ADJ
fsr-3451	128	4	-	-	ADJ
fsr-3451	128	5	purchase	purchase	ADJ
fsr-3451	128	6	perceived	perceive	VERB
fsr-3451	128	7	performance	performance	NOUN
fsr-3451	128	8	(	(	PUNCT
fsr-3451	128	9	fornell	fornell	PROPN
fsr-3451	128	10	,	,	PUNCT
fsr-3451	128	11	1992	1992	NUM
fsr-3451	128	12	)	)	PUNCT
fsr-3451	128	13	and	and	CCONJ
fsr-3451	128	14	ensures	ensure	VERB
fsr-3451	128	15	customer	customer	NOUN
fsr-3451	128	16	retention	retention	NOUN
fsr-3451	128	17	and	and	CCONJ
fsr-3451	128	18	profitability	profitability	NOUN
fsr-3451	128	19	(	(	PUNCT
fsr-3451	128	20	strandberg	strandberg	PROPN
fsr-3451	128	21	,	,	PUNCT
fsr-3451	128	22	wahlberg	wahlberg	PROPN
fsr-3451	128	23	,	,	PUNCT
fsr-3451	128	24	&	&	CCONJ
fsr-3451	128	25	öhman	öhman	PROPN
fsr-3451	128	26	,	,	PUNCT
fsr-3451	128	27	2012	2012	NUM
fsr-3451	128	28	)	)	PUNCT
fsr-3451	128	29	.	.	PUNCT
fsr-3451	129	1	previous	previous	ADJ
fsr-3451	129	2	studies	study	NOUN
fsr-3451	129	3	report	report	VERB
fsr-3451	129	4	a	a	DET
fsr-3451	129	5	strong	strong	ADJ
fsr-3451	129	6	relationship	relationship	NOUN
fsr-3451	129	7	between	between	ADP
fsr-3451	129	8	customer	customer	NOUN
fsr-3451	129	9	satisfaction	satisfaction	NOUN
fsr-3451	129	10	and	and	CCONJ
fsr-3451	129	11	loyalty	loyalty	NOUN
fsr-3451	129	12	(	(	PUNCT
fsr-3451	129	13	lin	lin	PROPN
fsr-3451	129	14	&	&	CCONJ
fsr-3451	129	15	wang	wang	PROPN
fsr-3451	129	16	,	,	PUNCT
fsr-3451	129	17	2006	2006	NUM
fsr-3451	129	18	;	;	PUNCT
fsr-3451	129	19	liébana	liébana	PROPN
fsr-3451	129	20	-	-	PUNCT
fsr-3451	129	21	cabanillas	cabanillas	PROPN
fsr-3451	129	22	et	et	PROPN
fsr-3451	129	23	al	al	PROPN
fsr-3451	129	24	.	.	PROPN
fsr-3451	129	25	,	,	PUNCT
fsr-3451	129	26	2017	2017	NUM
fsr-3451	129	27	;	;	PUNCT
fsr-3451	129	28	thakur	thakur	PROPN
fsr-3451	129	29	,	,	PUNCT
fsr-3451	129	30	2014	2014	NUM
fsr-3451	129	31	)	)	PUNCT
fsr-3451	129	32	.	.	PUNCT
fsr-3451	130	1	fornell	fornell	PROPN
fsr-3451	130	2	(	(	PUNCT
fsr-3451	130	3	1992	1992	NUM
fsr-3451	130	4	,	,	PUNCT
fsr-3451	130	5	p.	p.	NOUN
fsr-3451	130	6	7	7	NUM
fsr-3451	130	7	)	)	PUNCT
fsr-3451	130	8	describes	describe	VERB
fsr-3451	130	9	this	this	DET
fsr-3451	130	10	relationship	relationship	NOUN
fsr-3451	130	11	as	as	SCONJ
fsr-3451	130	12	follows	follow	VERB
fsr-3451	130	13	:	:	PUNCT
fsr-3451	130	14	“	"	PUNCT
fsr-3451	130	15	loyal	loyal	ADJ
fsr-3451	130	16	customers	customer	NOUN
fsr-3451	130	17	are	be	AUX
fsr-3451	130	18	not	not	PART
fsr-3451	130	19	necessarily	necessarily	ADV
fsr-3451	130	20	satisfied	satisfied	ADJ
fsr-3451	130	21	customers	customer	NOUN
fsr-3451	130	22	,	,	PUNCT
fsr-3451	130	23	but	but	CCONJ
fsr-3451	130	24	satisfied	satisfied	ADJ
fsr-3451	130	25	customers	customer	NOUN
fsr-3451	130	26	tend	tend	VERB
fsr-3451	130	27	to	to	PART
fsr-3451	130	28	be	be	AUX
fsr-3451	130	29	loyal	loyal	ADJ
fsr-3451	130	30	customers	customer	NOUN
fsr-3451	130	31	.	.	PUNCT
fsr-3451	130	32	”	"	PUNCT
fsr-3451	131	1	the	the	DET
fsr-3451	131	2	current	current	ADJ
fsr-3451	131	3	study	study	NOUN
fsr-3451	131	4	emphasizes	emphasize	VERB
fsr-3451	131	5	this	this	DET
fsr-3451	131	6	relationship	relationship	NOUN
fsr-3451	131	7	,	,	PUNCT
fsr-3451	131	8	and	and	CCONJ
fsr-3451	131	9	formulates	formulate	VERB
fsr-3451	131	10	the	the	DET
fsr-3451	131	11	following	follow	VERB
fsr-3451	131	12	hypothesis	hypothesis	NOUN
fsr-3451	131	13	:	:	PUNCT
fsr-3451	131	14	hypothesis	hypothesis	NOUN
fsr-3451	131	15	7	7	NUM
fsr-3451	131	16	(	(	PUNCT
fsr-3451	131	17	h7	h7	PROPN
fsr-3451	131	18	):	):	PUNCT
fsr-3451	131	19	the	the	PRON
fsr-3451	131	20	higher	high	ADJ
fsr-3451	131	21	the	the	DET
fsr-3451	131	22	customer	customer	NOUN
fsr-3451	131	23	satisfaction	satisfaction	NOUN
fsr-3451	131	24	,	,	PUNCT
fsr-3451	131	25	the	the	PRON
fsr-3451	131	26	higher	high	ADJ
fsr-3451	131	27	the	the	DET
fsr-3451	131	28	loyalty	loyalty	NOUN
fsr-3451	131	29	is	be	AUX
fsr-3451	131	30	likely	likely	ADJ
fsr-3451	131	31	to	to	PART
fsr-3451	131	32	be	be	AUX
fsr-3451	131	33	.	.	PUNCT
fsr-3451	132	1	reliability	reliability	NOUN
fsr-3451	132	2	enhances	enhance	VERB
fsr-3451	132	3	the	the	DET
fsr-3451	132	4	ability	ability	NOUN
fsr-3451	132	5	of	of	ADP
fsr-3451	132	6	mbas	mbas	NOUN
fsr-3451	132	7	to	to	PART
fsr-3451	132	8	perform	perform	VERB
fsr-3451	132	9	the	the	DET
fsr-3451	132	10	promised	promise	VERB
fsr-3451	132	11	customer	customer	NOUN
fsr-3451	132	12	services	service	NOUN
fsr-3451	132	13	dependably	dependably	ADV
fsr-3451	132	14	and	and	CCONJ
fsr-3451	132	15	accurately	accurately	ADV
fsr-3451	132	16	(	(	PUNCT
fsr-3451	132	17	jun	jun	PROPN
fsr-3451	132	18	&	&	CCONJ
fsr-3451	132	19	palacios	palacio	NOUN
fsr-3451	132	20	,	,	PUNCT
fsr-3451	132	21	2016	2016	NUM
fsr-3451	132	22	)	)	PUNCT
fsr-3451	132	23	.	.	PUNCT
fsr-3451	133	1	previous	previous	ADJ
fsr-3451	133	2	studies	study	NOUN
fsr-3451	133	3	have	have	AUX
fsr-3451	133	4	investigated	investigate	VERB
fsr-3451	133	5	reliability	reliability	NOUN
fsr-3451	133	6	as	as	ADP
fsr-3451	133	7	a	a	DET
fsr-3451	133	8	dimension	dimension	NOUN
fsr-3451	133	9	of	of	ADP
fsr-3451	133	10	service	service	NOUN
fsr-3451	133	11	quality	quality	NOUN
fsr-3451	133	12	,	,	PUNCT
fsr-3451	133	13	and	and	CCONJ
fsr-3451	133	14	empirical	empirical	ADJ
fsr-3451	133	15	results	result	NOUN
fsr-3451	133	16	support	support	VERB
fsr-3451	133	17	the	the	DET
fsr-3451	133	18	relationship	relationship	NOUN
fsr-3451	133	19	between	between	ADP
fsr-3451	133	20	reliability	reliability	NOUN
fsr-3451	133	21	and	and	CCONJ
fsr-3451	133	22	loyalty	loyalty	NOUN
fsr-3451	133	23	(	(	PUNCT
fsr-3451	133	24	e.g.	e.g.	ADV
fsr-3451	133	25	,	,	PUNCT
fsr-3451	133	26	karatepe	karatepe	ADJ
fsr-3451	133	27	,	,	PUNCT
fsr-3451	133	28	2011	2011	NUM
fsr-3451	133	29	)	)	PUNCT
fsr-3451	133	30	.	.	PUNCT
fsr-3451	134	1	other	other	ADJ
fsr-3451	134	2	studies	study	NOUN
fsr-3451	134	3	of	of	ADP
fsr-3451	134	4	reliability	reliability	NOUN
fsr-3451	134	5	have	have	AUX
fsr-3451	134	6	reached	reach	VERB
fsr-3451	134	7	similar	similar	ADJ
fsr-3451	134	8	conclusions	conclusion	NOUN
fsr-3451	134	9	.	.	PUNCT
fsr-3451	135	1	ho	ho	PROPN
fsr-3451	135	2	and	and	CCONJ
fsr-3451	135	3	lee	lee	PROPN
fsr-3451	135	4	(	(	PUNCT
fsr-3451	135	5	2007	2007	NUM
fsr-3451	135	6	)	)	PUNCT
fsr-3451	135	7	suggest	suggest	VERB
fsr-3451	135	8	that	that	SCONJ
fsr-3451	135	9	reliability	reliability	NOUN
fsr-3451	135	10	is	be	AUX
fsr-3451	135	11	a	a	DET
fsr-3451	135	12	crucial	crucial	ADJ
fsr-3451	135	13	factor	factor	NOUN
fsr-3451	135	14	for	for	ADP
fsr-3451	135	15	retaining	retain	VERB
fsr-3451	135	16	customers	customer	NOUN
fsr-3451	135	17	,	,	PUNCT
fsr-3451	135	18	and	and	CCONJ
fsr-3451	135	19	moorthy	moorthy	PROPN
fsr-3451	135	20	et	et	PROPN
fsr-3451	135	21	al	al	PROPN
fsr-3451	135	22	.	.	PROPN
fsr-3451	136	1	(	(	PUNCT
fsr-3451	136	2	2017	2017	NUM
fsr-3451	136	3	)	)	PUNCT
fsr-3451	136	4	conclude	conclude	VERB
fsr-3451	136	5	that	that	SCONJ
fsr-3451	136	6	reliability	reliability	NOUN
fsr-3451	136	7	is	be	AUX
fsr-3451	136	8	significantly	significantly	ADV
fsr-3451	136	9	and	and	CCONJ
fsr-3451	136	10	positively	positively	ADV
fsr-3451	136	11	related	relate	VERB
fsr-3451	136	12	to	to	ADP
fsr-3451	136	13	loyalty	loyalty	NOUN
fsr-3451	136	14	.	.	PUNCT
fsr-3451	137	1	however	however	ADV
fsr-3451	137	2	,	,	PUNCT
fsr-3451	137	3	in	in	ADP
fsr-3451	137	4	mobile	mobile	ADJ
fsr-3451	137	5	retailing	retailing	NOUN
fsr-3451	137	6	,	,	PUNCT
fsr-3451	137	7	lin	lin	PROPN
fsr-3451	137	8	(	(	PUNCT
fsr-3451	137	9	2012	2012	NUM
fsr-3451	137	10	)	)	PUNCT
fsr-3451	137	11	finds	find	VERB
fsr-3451	137	12	no	no	DET
fsr-3451	137	13	relationship	relationship	NOUN
fsr-3451	137	14	between	between	ADP
fsr-3451	137	15	reliability	reliability	NOUN
fsr-3451	137	16	and	and	CCONJ
fsr-3451	137	17	loyalty	loyalty	NOUN
fsr-3451	137	18	.	.	PUNCT
fsr-3451	138	1	in	in	ADP
fsr-3451	138	2	a	a	DET
fsr-3451	138	3	similar	similar	ADJ
fsr-3451	138	4	vein	vein	NOUN
fsr-3451	138	5	,	,	PUNCT
fsr-3451	138	6	zhou	zhou	PROPN
fsr-3451	138	7	,	,	PUNCT
fsr-3451	138	8	lu	lu	PROPN
fsr-3451	138	9	,	,	PUNCT
fsr-3451	138	10	and	and	CCONJ
fsr-3451	138	11	wang	wang	PROPN
fsr-3451	138	12	(	(	PUNCT
fsr-3451	138	13	2010	2010	NUM
fsr-3451	138	14	)	)	PUNCT
fsr-3451	138	15	suggest	suggest	VERB
fsr-3451	138	16	that	that	SCONJ
fsr-3451	138	17	reliability	reliability	NOUN
fsr-3451	138	18	might	might	AUX
fsr-3451	138	19	not	not	PART
fsr-3451	138	20	be	be	AUX
fsr-3451	138	21	as	as	ADV
fsr-3451	138	22	important	important	ADJ
fsr-3451	138	23	for	for	ADP
fsr-3451	138	24	ybcs	ybc	NOUN
fsr-3451	138	25	as	as	ADP
fsr-3451	138	26	for	for	ADP
fsr-3451	138	27	older	old	ADJ
fsr-3451	138	28	bank	bank	NOUN
fsr-3451	138	29	customers	customer	NOUN
fsr-3451	138	30	.	.	PUNCT
fsr-3451	139	1	nevertheless	nevertheless	ADV
fsr-3451	139	2	,	,	PUNCT
fsr-3451	139	3	the	the	DET
fsr-3451	139	4	following	follow	VERB
fsr-3451	139	5	hypothesis	hypothesis	NOUN
fsr-3451	139	6	is	be	AUX
fsr-3451	139	7	based	base	VERB
fsr-3451	139	8	on	on	ADP
fsr-3451	139	9	most	most	ADJ
fsr-3451	139	10	previous	previous	ADJ
fsr-3451	139	11	research	research	NOUN
fsr-3451	139	12	:	:	PUNCT
fsr-3451	139	13	hypothesis	hypothesis	NOUN
fsr-3451	139	14	8	8	NUM
fsr-3451	139	15	(	(	PUNCT
fsr-3451	139	16	h8	h8	PROPN
fsr-3451	139	17	):	):	PUNCT
fsr-3451	139	18	the	the	PRON
fsr-3451	139	19	higher	high	ADJ
fsr-3451	139	20	the	the	DET
fsr-3451	139	21	reliability	reliability	NOUN
fsr-3451	139	22	,	,	PUNCT
fsr-3451	139	23	the	the	PRON
fsr-3451	139	24	higher	high	ADJ
fsr-3451	139	25	the	the	DET
fsr-3451	139	26	loyalty	loyalty	NOUN
fsr-3451	139	27	is	be	AUX
fsr-3451	139	28	likely	likely	ADJ
fsr-3451	139	29	to	to	PART
fsr-3451	139	30	be	be	AUX
fsr-3451	139	31	.	.	PUNCT
fsr-3451	140	1	3	3	X
fsr-3451	140	2	.	.	X
fsr-3451	140	3	method	method	PROPN
fsr-3451	140	4	3.1	3.1	NUM
fsr-3451	140	5	.	.	PUNCT
fsr-3451	141	1	measure	measure	NOUN
fsr-3451	141	2	development	development	NOUN
fsr-3451	141	3	the	the	DET
fsr-3451	141	4	items	item	NOUN
fsr-3451	141	5	in	in	ADP
fsr-3451	141	6	the	the	DET
fsr-3451	141	7	preliminary	preliminary	ADJ
fsr-3451	141	8	questionnaire	questionnaire	NOUN
fsr-3451	141	9	were	be	AUX
fsr-3451	141	10	adopted	adopt	VERB
fsr-3451	141	11	from	from	ADP
fsr-3451	141	12	previous	previous	ADJ
fsr-3451	141	13	studies	study	NOUN
fsr-3451	141	14	to	to	PART
fsr-3451	141	15	ensure	ensure	VERB
fsr-3451	141	16	content	content	NOUN
fsr-3451	141	17	validity	validity	NOUN
fsr-3451	141	18	(	(	PUNCT
fsr-3451	141	19	see	see	VERB
fsr-3451	141	20	the	the	DET
fsr-3451	141	21	appendix	appendix	NOUN
fsr-3451	141	22	)	)	PUNCT
fsr-3451	141	23	.	.	PUNCT
fsr-3451	142	1	usability	usability	NOUN
fsr-3451	142	2	was	be	AUX
fsr-3451	142	3	measured	measure	VERB
fsr-3451	142	4	by	by	ADP
fsr-3451	142	5	items	item	NOUN
fsr-3451	142	6	(	(	PUNCT
fsr-3451	142	7	usa	usa	PROPN
fsr-3451	142	8	1–5	1–5	PROPN
fsr-3451	142	9	)	)	PUNCT
fsr-3451	142	10	from	from	ADP
fsr-3451	142	11	m.	m.	NOUN
fsr-3451	142	12	nourallah	nourallah	PROPN
fsr-3451	142	13	et	et	PROPN
fsr-3451	142	14	al	al	PROPN
fsr-3451	142	15	.	.	PUNCT
fsr-3451	142	16	/	/	SYM
fsr-3451	142	17	financial	financial	ADJ
fsr-3451	142	18	services	service	NOUN
fsr-3451	142	19	review	review	VERB
fsr-3451	142	20	29	29	NUM
fsr-3451	142	21	(	(	PUNCT
fsr-3451	142	22	2021	2021	NUM
fsr-3451	142	23	)	)	PUNCT
fsr-3451	142	24	147–167	147–167	NUM
fsr-3451	142	25	153	153	NUM
fsr-3451	142	26	casaló	casaló	NOUN
fsr-3451	142	27	et	et	PROPN
fsr-3451	142	28	al	al	PROPN
fsr-3451	142	29	.	.	PROPN
fsr-3451	143	1	(	(	PUNCT
fsr-3451	143	2	2008	2008	NUM
fsr-3451	143	3	)	)	PUNCT
fsr-3451	143	4	.	.	PUNCT
fsr-3451	144	1	responsiveness	responsiveness	NOUN
fsr-3451	144	2	items	item	NOUN
fsr-3451	144	3	(	(	PUNCT
fsr-3451	144	4	res	re	NOUN
fsr-3451	144	5	1–3	1–3	NUM
fsr-3451	144	6	)	)	PUNCT
fsr-3451	144	7	and	and	CCONJ
fsr-3451	144	8	reliability	reliability	NOUN
fsr-3451	144	9	items	item	NOUN
fsr-3451	144	10	(	(	PUNCT
fsr-3451	144	11	rel	rel	NOUN
fsr-3451	144	12	1–3	1–3	NOUN
fsr-3451	144	13	)	)	PUNCT
fsr-3451	144	14	were	be	AUX
fsr-3451	144	15	adopted	adopt	VERB
fsr-3451	144	16	from	from	ADP
fsr-3451	144	17	lin	lin	PROPN
fsr-3451	144	18	(	(	PUNCT
fsr-3451	144	19	2013	2013	NUM
fsr-3451	144	20	)	)	PUNCT
fsr-3451	144	21	.	.	PUNCT
fsr-3451	145	1	customer	customer	NOUN
fsr-3451	145	2	satisfaction	satisfaction	NOUN
fsr-3451	145	3	items	item	NOUN
fsr-3451	145	4	(	(	PUNCT
fsr-3451	145	5	sat	sit	VERB
fsr-3451	145	6	1–2	1–2	NUM
fsr-3451	145	7	)	)	PUNCT
fsr-3451	145	8	were	be	AUX
fsr-3451	145	9	adopted	adopt	VERB
fsr-3451	145	10	from	from	ADP
fsr-3451	145	11	aydin	aydin	NOUN
fsr-3451	145	12	and	and	CCONJ
fsr-3451	145	13	özer	özer	NOUN
fsr-3451	145	14	(	(	PUNCT
fsr-3451	145	15	2005	2005	NUM
fsr-3451	145	16	)	)	PUNCT
fsr-3451	145	17	and	and	CCONJ
fsr-3451	145	18	yoon	yoon	PROPN
fsr-3451	145	19	(	(	PUNCT
fsr-3451	145	20	2010	2010	NUM
fsr-3451	145	21	)	)	PUNCT
fsr-3451	145	22	,	,	PUNCT
fsr-3451	145	23	and	and	CCONJ
fsr-3451	145	24	loyalty	loyalty	NOUN
fsr-3451	145	25	items	item	NOUN
fsr-3451	145	26	(	(	PUNCT
fsr-3451	145	27	loy	loy	PROPN
fsr-3451	145	28	1–2	1–2	NUM
fsr-3451	145	29	)	)	PUNCT
fsr-3451	145	30	from	from	ADP
fsr-3451	145	31	chaudhuri	chaudhuri	PROPN
fsr-3451	145	32	and	and	CCONJ
fsr-3451	145	33	holbrook	holbrook	PROPN
fsr-3451	145	34	(	(	PUNCT
fsr-3451	145	35	2001	2001	NUM
fsr-3451	145	36	)	)	PUNCT
fsr-3451	145	37	and	and	CCONJ
fsr-3451	145	38	wirtz	wirtz	PROPN
fsr-3451	145	39	,	,	PUNCT
fsr-3451	145	40	mattila	mattila	NOUN
fsr-3451	145	41	,	,	PUNCT
fsr-3451	145	42	and	and	CCONJ
fsr-3451	145	43	lwin	lwin	PROPN
fsr-3451	145	44	(	(	PUNCT
fsr-3451	145	45	2007	2007	NUM
fsr-3451	145	46	)	)	PUNCT
fsr-3451	145	47	.	.	PUNCT
fsr-3451	146	1	two	two	NUM
fsr-3451	146	2	focus	focus	NOUN
fsr-3451	146	3	group	group	NOUN
fsr-3451	146	4	interviews	interview	NOUN
fsr-3451	146	5	were	be	AUX
fsr-3451	146	6	conducted	conduct	VERB
fsr-3451	146	7	with	with	ADP
fsr-3451	146	8	four	four	NUM
fsr-3451	146	9	and	and	CCONJ
fsr-3451	146	10	five	five	NUM
fsr-3451	146	11	ybcs	ybc	NOUN
fsr-3451	146	12	,	,	PUNCT
fsr-3451	146	13	respectively	respectively	ADV
fsr-3451	146	14	.	.	PUNCT
fsr-3451	147	1	all	all	DET
fsr-3451	147	2	participants	participant	NOUN
fsr-3451	147	3	belonged	belong	VERB
fsr-3451	147	4	to	to	ADP
fsr-3451	147	5	the	the	DET
fsr-3451	147	6	target	target	NOUN
fsr-3451	147	7	age	age	NOUN
fsr-3451	147	8	group	group	NOUN
fsr-3451	147	9	,	,	PUNCT
fsr-3451	147	10	that	that	ADV
fsr-3451	147	11	is	is	ADV
fsr-3451	147	12	,	,	PUNCT
fsr-3451	147	13	18–29	18–29	NUM
fsr-3451	147	14	years	year	NOUN
fsr-3451	147	15	,	,	PUNCT
fsr-3451	147	16	and	and	CCONJ
fsr-3451	147	17	had	have	VERB
fsr-3451	147	18	at	at	ADV
fsr-3451	147	19	least	least	ADV
fsr-3451	147	20	one	one	NUM
fsr-3451	147	21	year	year	NOUN
fsr-3451	147	22	’s	’s	PART
fsr-3451	147	23	experience	experience	NOUN
fsr-3451	147	24	of	of	ADP
fsr-3451	147	25	mba	mba	NOUN
fsr-3451	147	26	use	use	NOUN
fsr-3451	147	27	in	in	ADP
fsr-3451	147	28	sweden	sweden	PROPN
fsr-3451	147	29	.	.	PUNCT
fsr-3451	148	1	the	the	DET
fsr-3451	148	2	focus	focus	NOUN
fsr-3451	148	3	group	group	NOUN
fsr-3451	148	4	interviews	interview	NOUN
fsr-3451	148	5	contributed	contribute	VERB
fsr-3451	148	6	to	to	ADP
fsr-3451	148	7	the	the	DET
fsr-3451	148	8	detailed	detailed	ADJ
fsr-3451	148	9	improvement	improvement	NOUN
fsr-3451	148	10	of	of	ADP
fsr-3451	148	11	some	some	DET
fsr-3451	148	12	items	item	NOUN
fsr-3451	148	13	in	in	ADP
fsr-3451	148	14	the	the	DET
fsr-3451	148	15	preliminary	preliminary	ADJ
fsr-3451	148	16	questionnaire	questionnaire	NOUN
fsr-3451	148	17	.	.	PUNCT
fsr-3451	149	1	back	back	NOUN
fsr-3451	149	2	translation	translation	NOUN
fsr-3451	149	3	was	be	AUX
fsr-3451	149	4	conducted	conduct	VERB
fsr-3451	149	5	to	to	PART
fsr-3451	149	6	ensure	ensure	VERB
fsr-3451	149	7	that	that	SCONJ
fsr-3451	149	8	the	the	DET
fsr-3451	149	9	items	item	NOUN
fsr-3451	149	10	had	have	VERB
fsr-3451	149	11	good	good	ADJ
fsr-3451	149	12	consistency	consistency	NOUN
fsr-3451	149	13	(	(	PUNCT
fsr-3451	149	14	cf	cf	NOUN
fsr-3451	149	15	.	.	PUNCT
fsr-3451	150	1	brislin	brislin	PROPN
fsr-3451	150	2	,	,	PUNCT
fsr-3451	150	3	1970	1970	NUM
fsr-3451	150	4	)	)	PUNCT
fsr-3451	150	5	,	,	PUNCT
fsr-3451	150	6	and	and	CCONJ
fsr-3451	150	7	certain	certain	ADJ
fsr-3451	150	8	language	language	NOUN
fsr-3451	150	9	-	-	PUNCT
fsr-3451	150	10	related	relate	VERB
fsr-3451	150	11	revisions	revision	NOUN
fsr-3451	150	12	were	be	AUX
fsr-3451	150	13	made	make	VERB
fsr-3451	150	14	as	as	ADP
fsr-3451	150	15	a	a	DET
fsr-3451	150	16	result	result	NOUN
fsr-3451	150	17	.	.	PUNCT
fsr-3451	151	1	the	the	DET
fsr-3451	151	2	last	last	ADJ
fsr-3451	151	3	step	step	NOUN
fsr-3451	151	4	was	be	AUX
fsr-3451	151	5	to	to	PART
fsr-3451	151	6	send	send	VERB
fsr-3451	151	7	the	the	DET
fsr-3451	151	8	preliminary	preliminary	ADJ
fsr-3451	151	9	questionnaire	questionnaire	NOUN
fsr-3451	151	10	to	to	ADP
fsr-3451	151	11	two	two	NUM
fsr-3451	151	12	experienced	experienced	ADJ
fsr-3451	151	13	ybcs	ybc	NOUN
fsr-3451	151	14	to	to	PART
fsr-3451	151	15	check	check	VERB
fsr-3451	151	16	for	for	ADP
fsr-3451	151	17	readability	readability	NOUN
fsr-3451	151	18	,	,	PUNCT
fsr-3451	151	19	and	and	CCONJ
fsr-3451	151	20	minor	minor	ADJ
fsr-3451	151	21	revisions	revision	NOUN
fsr-3451	151	22	were	be	AUX
fsr-3451	151	23	made	make	VERB
fsr-3451	151	24	based	base	VERB
fsr-3451	151	25	on	on	ADP
fsr-3451	151	26	their	their	PRON
fsr-3451	151	27	feedback	feedback	NOUN
fsr-3451	151	28	.	.	PUNCT
fsr-3451	152	1	the	the	DET
fsr-3451	152	2	final	final	ADJ
fsr-3451	152	3	questionnaire	questionnaire	NOUN
fsr-3451	152	4	was	be	AUX
fsr-3451	152	5	based	base	VERB
fsr-3451	152	6	on	on	ADP
fsr-3451	152	7	a	a	DET
fsr-3451	152	8	seven	seven	NUM
fsr-3451	152	9	-	-	PUNCT
fsr-3451	152	10	point	point	NOUN
fsr-3451	152	11	likert	likert	ADJ
fsr-3451	152	12	scale	scale	NOUN
fsr-3451	152	13	ranging	range	VERB
fsr-3451	152	14	from	from	ADP
fsr-3451	152	15	1=	1=	NUM
fsr-3451	152	16	strongly	strongly	ADV
fsr-3451	152	17	disagree	disagree	VERB
fsr-3451	152	18	to	to	ADP
fsr-3451	152	19	7	7	NUM
fsr-3451	152	20	=	=	SYM
fsr-3451	152	21	strongly	strongly	ADV
fsr-3451	152	22	agree	agree	VERB
fsr-3451	152	23	.	.	PUNCT
fsr-3451	153	1	the	the	DET
fsr-3451	153	2	background	background	NOUN
fsr-3451	153	3	variables	variable	NOUN
fsr-3451	153	4	included	include	VERB
fsr-3451	153	5	were	be	AUX
fsr-3451	153	6	age	age	NOUN
fsr-3451	153	7	,	,	PUNCT
fsr-3451	153	8	gender	gender	NOUN
fsr-3451	153	9	,	,	PUNCT
fsr-3451	153	10	and	and	CCONJ
fsr-3451	153	11	mba	mba	NOUN
fsr-3451	153	12	experience	experience	NOUN
fsr-3451	153	13	.	.	PUNCT
fsr-3451	154	1	3.2	3.2	NUM
fsr-3451	154	2	.	.	PUNCT
fsr-3451	154	3	sample	sample	NOUN
fsr-3451	154	4	,	,	PUNCT
fsr-3451	154	5	data	data	NOUN
fsr-3451	154	6	collection	collection	NOUN
fsr-3451	154	7	,	,	PUNCT
fsr-3451	154	8	and	and	CCONJ
fsr-3451	154	9	data	datum	NOUN
fsr-3451	154	10	analysis	analysis	NOUN
fsr-3451	154	11	procedures	procedure	NOUN
fsr-3451	154	12	the	the	DET
fsr-3451	154	13	final	final	ADJ
fsr-3451	154	14	questionnaire	questionnaire	NOUN
fsr-3451	154	15	was	be	AUX
fsr-3451	154	16	sent	send	VERB
fsr-3451	154	17	in	in	ADP
fsr-3451	154	18	electronic	electronic	ADJ
fsr-3451	154	19	form	form	NOUN
fsr-3451	154	20	to	to	ADP
fsr-3451	154	21	500	500	NUM
fsr-3451	154	22	students	student	NOUN
fsr-3451	154	23	at	at	ADP
fsr-3451	154	24	a	a	DET
fsr-3451	154	25	university	university	NOUN
fsr-3451	154	26	in	in	ADP
fsr-3451	154	27	the	the	DET
fsr-3451	154	28	midsweden	midsweden	NOUN
fsr-3451	154	29	region	region	NOUN
fsr-3451	154	30	in	in	ADP
fsr-3451	154	31	late	late	ADJ
fsr-3451	154	32	2018	2018	NUM
fsr-3451	154	33	.	.	PUNCT
fsr-3451	155	1	these	these	DET
fsr-3451	155	2	students	student	NOUN
fsr-3451	155	3	studied	study	VERB
fsr-3451	155	4	business	business	NOUN
fsr-3451	155	5	administration	administration	NOUN
fsr-3451	155	6	,	,	PUNCT
fsr-3451	155	7	political	political	ADJ
fsr-3451	155	8	science	science	NOUN
fsr-3451	155	9	,	,	PUNCT
fsr-3451	155	10	or	or	CCONJ
fsr-3451	155	11	sociology	sociology	NOUN
fsr-3451	155	12	,	,	PUNCT
fsr-3451	155	13	were	be	AUX
fsr-3451	155	14	aged	age	VERB
fsr-3451	155	15	18–29years	18–29years	NUM
fsr-3451	155	16	,	,	PUNCT
fsr-3451	155	17	and	and	CCONJ
fsr-3451	155	18	differed	differ	VERB
fsr-3451	155	19	in	in	ADP
fsr-3451	155	20	the	the	DET
fsr-3451	155	21	mba	mba	NOUN
fsr-3451	155	22	usage	usage	NOUN
fsr-3451	155	23	duration	duration	NOUN
fsr-3451	155	24	and	and	CCONJ
fsr-3451	155	25	the	the	DET
fsr-3451	155	26	number	number	NOUN
fsr-3451	155	27	of	of	ADP
fsr-3451	155	28	mbas	mbas	NOUN
fsr-3451	155	29	used	use	VERB
fsr-3451	155	30	.	.	PUNCT
fsr-3451	156	1	in	in	ADP
fsr-3451	156	2	addition	addition	NOUN
fsr-3451	156	3	,	,	PUNCT
fsr-3451	156	4	the	the	DET
fsr-3451	156	5	students	student	NOUN
fsr-3451	156	6	were	be	AUX
fsr-3451	156	7	diverse	diverse	ADJ
fsr-3451	156	8	in	in	ADP
fsr-3451	156	9	terms	term	NOUN
fsr-3451	156	10	of	of	ADP
fsr-3451	156	11	socioeconomic	socioeconomic	ADJ
fsr-3451	156	12	class	class	NOUN
fsr-3451	156	13	,	,	PUNCT
fsr-3451	156	14	gender	gender	NOUN
fsr-3451	156	15	,	,	PUNCT
fsr-3451	156	16	and	and	CCONJ
fsr-3451	156	17	cultural	cultural	ADJ
fsr-3451	156	18	background	background	NOUN
fsr-3451	156	19	.	.	PUNCT
fsr-3451	157	1	the	the	DET
fsr-3451	157	2	main	main	ADJ
fsr-3451	157	3	criterion	criterion	NOUN
fsr-3451	157	4	for	for	ADP
fsr-3451	157	5	selecting	select	VERB
fsr-3451	157	6	these	these	DET
fsr-3451	157	7	students	student	NOUN
fsr-3451	157	8	was	be	AUX
fsr-3451	157	9	use	use	NOUN
fsr-3451	157	10	of	of	ADP
fsr-3451	157	11	mbas	mbas	NOUN
fsr-3451	157	12	for	for	ADP
fsr-3451	157	13	at	at	ADV
fsr-3451	157	14	least	least	ADV
fsr-3451	157	15	one	one	NUM
fsr-3451	157	16	year	year	NOUN
fsr-3451	157	17	,	,	PUNCT
fsr-3451	157	18	which	which	PRON
fsr-3451	157	19	requires	require	VERB
fsr-3451	157	20	a	a	DET
fsr-3451	157	21	swedish	swedish	PROPN
fsr-3451	157	22	bank	bank	PROPN
fsr-3451	157	23	account	account	NOUN
fsr-3451	157	24	.	.	PUNCT
fsr-3451	158	1	sampling	sample	VERB
fsr-3451	158	2	university	university	NOUN
fsr-3451	158	3	students	student	NOUN
fsr-3451	158	4	enabled	enable	VERB
fsr-3451	158	5	the	the	DET
fsr-3451	158	6	current	current	ADJ
fsr-3451	158	7	study	study	NOUN
fsr-3451	158	8	to	to	PART
fsr-3451	158	9	avoid	avoid	VERB
fsr-3451	158	10	limitations	limitation	NOUN
fsr-3451	158	11	related	relate	VERB
fsr-3451	158	12	to	to	ADP
fsr-3451	158	13	a	a	DET
fsr-3451	158	14	sample	sample	NOUN
fsr-3451	158	15	associated	associate	VERB
fsr-3451	158	16	with	with	ADP
fsr-3451	158	17	a	a	DET
fsr-3451	158	18	single	single	ADJ
fsr-3451	158	19	bank	bank	NOUN
fsr-3451	158	20	(	(	PUNCT
fsr-3451	158	21	e.g.	e.g.	ADV
fsr-3451	158	22	,	,	PUNCT
fsr-3451	158	23	strandberg	strandberg	PROPN
fsr-3451	158	24	et	et	PROPN
fsr-3451	158	25	al	al	PROPN
fsr-3451	158	26	.	.	PROPN
fsr-3451	158	27	,	,	PUNCT
fsr-3451	158	28	2012	2012	NUM
fsr-3451	158	29	)	)	PUNCT
fsr-3451	158	30	,	,	PUNCT
fsr-3451	158	31	because	because	SCONJ
fsr-3451	158	32	the	the	DET
fsr-3451	158	33	present	present	ADJ
fsr-3451	158	34	respondents	respondent	NOUN
fsr-3451	158	35	were	be	AUX
fsr-3451	158	36	customers	customer	NOUN
fsr-3451	158	37	of	of	ADP
fsr-3451	158	38	several	several	ADJ
fsr-3451	158	39	banks	bank	NOUN
fsr-3451	158	40	.	.	PUNCT
fsr-3451	159	1	harm	harm	NOUN
fsr-3451	159	2	to	to	ADP
fsr-3451	159	3	participants	participant	NOUN
fsr-3451	159	4	,	,	PUNCT
fsr-3451	159	5	confidentiality	confidentiality	NOUN
fsr-3451	159	6	of	of	ADP
fsr-3451	159	7	information	information	NOUN
fsr-3451	159	8	provided	provide	VERB
fsr-3451	159	9	,	,	PUNCT
fsr-3451	159	10	confidentiality	confidentiality	NOUN
fsr-3451	159	11	of	of	ADP
fsr-3451	159	12	collected	collect	VERB
fsr-3451	159	13	data	datum	NOUN
fsr-3451	159	14	,	,	PUNCT
fsr-3451	159	15	and	and	CCONJ
fsr-3451	159	16	data	data	NOUN
fsr-3451	159	17	-	-	PUNCT
fsr-3451	159	18	storage	storage	NOUN
fsr-3451	159	19	issues	issue	NOUN
fsr-3451	159	20	were	be	AUX
fsr-3451	159	21	among	among	ADP
fsr-3451	159	22	the	the	DET
fsr-3451	159	23	ethical	ethical	ADJ
fsr-3451	159	24	concerns	concern	NOUN
fsr-3451	159	25	of	of	ADP
fsr-3451	159	26	the	the	DET
fsr-3451	159	27	current	current	ADJ
fsr-3451	159	28	study	study	NOUN
fsr-3451	159	29	,	,	PUNCT
fsr-3451	159	30	and	and	CCONJ
fsr-3451	159	31	certain	certain	ADJ
fsr-3451	159	32	processes	process	NOUN
fsr-3451	159	33	were	be	AUX
fsr-3451	159	34	used	use	VERB
fsr-3451	159	35	to	to	PART
fsr-3451	159	36	address	address	VERB
fsr-3451	159	37	these	these	DET
fsr-3451	159	38	concerns	concern	NOUN
fsr-3451	159	39	and	and	CCONJ
fsr-3451	159	40	the	the	DET
fsr-3451	159	41	general	general	ADJ
fsr-3451	159	42	limitations	limitation	NOUN
fsr-3451	159	43	associated	associate	VERB
fsr-3451	159	44	with	with	ADP
fsr-3451	159	45	questionnaires	questionnaire	NOUN
fsr-3451	159	46	(	(	PUNCT
fsr-3451	159	47	cf	cf	NOUN
fsr-3451	160	1	.	.	PUNCT
fsr-3451	160	2	grinyer	grinyer	NOUN
fsr-3451	160	3	,	,	PUNCT
fsr-3451	160	4	2009	2009	NUM
fsr-3451	160	5	)	)	PUNCT
fsr-3451	160	6	.	.	PUNCT
fsr-3451	161	1	approval	approval	NOUN
fsr-3451	161	2	to	to	PART
fsr-3451	161	3	send	send	VERB
fsr-3451	161	4	out	out	ADP
fsr-3451	161	5	the	the	DET
fsr-3451	161	6	questionnaire	questionnaire	NOUN
fsr-3451	161	7	was	be	AUX
fsr-3451	161	8	obtained	obtain	VERB
fsr-3451	161	9	from	from	ADP
fsr-3451	161	10	responsible	responsible	ADJ
fsr-3451	161	11	persons	person	NOUN
fsr-3451	161	12	at	at	ADP
fsr-3451	161	13	the	the	DET
fsr-3451	161	14	university	university	NOUN
fsr-3451	161	15	program	program	NOUN
fsr-3451	161	16	and	and	CCONJ
fsr-3451	161	17	course	course	NOUN
fsr-3451	161	18	levels	level	NOUN
fsr-3451	161	19	.	.	PUNCT
fsr-3451	162	1	brief	brief	ADJ
fsr-3451	162	2	information	information	NOUN
fsr-3451	162	3	about	about	ADP
fsr-3451	162	4	the	the	DET
fsr-3451	162	5	study	study	NOUN
fsr-3451	162	6	was	be	AUX
fsr-3451	162	7	presented	present	VERB
fsr-3451	162	8	to	to	ADP
fsr-3451	162	9	the	the	DET
fsr-3451	162	10	students	student	NOUN
fsr-3451	162	11	,	,	PUNCT
fsr-3451	162	12	including	include	VERB
fsr-3451	162	13	advising	advise	VERB
fsr-3451	162	14	that	that	SCONJ
fsr-3451	162	15	completing	complete	VERB
fsr-3451	162	16	the	the	DET
fsr-3451	162	17	questionnaire	questionnaire	NOUN
fsr-3451	162	18	was	be	AUX
fsr-3451	162	19	voluntary	voluntary	ADJ
fsr-3451	162	20	and	and	CCONJ
fsr-3451	162	21	that	that	SCONJ
fsr-3451	162	22	financial	financial	ADJ
fsr-3451	162	23	information	information	NOUN
fsr-3451	162	24	would	would	AUX
fsr-3451	162	25	not	not	PART
fsr-3451	162	26	be	be	AUX
fsr-3451	162	27	gathered	gather	VERB
fsr-3451	162	28	for	for	ADP
fsr-3451	162	29	the	the	DET
fsr-3451	162	30	study	study	NOUN
fsr-3451	162	31	.	.	PUNCT
fsr-3451	163	1	the	the	DET
fsr-3451	163	2	anonymity	anonymity	NOUN
fsr-3451	163	3	of	of	ADP
fsr-3451	163	4	responses	response	NOUN
fsr-3451	163	5	was	be	AUX
fsr-3451	163	6	ensured	ensure	VERB
fsr-3451	163	7	by	by	ADP
fsr-3451	163	8	using	use	VERB
fsr-3451	163	9	online	online	ADJ
fsr-3451	163	10	software	software	NOUN
fsr-3451	163	11	complying	comply	VERB
fsr-3451	163	12	with	with	ADP
fsr-3451	163	13	the	the	DET
fsr-3451	163	14	eu	eu	PROPN
fsr-3451	163	15	’s	’s	PROPN
fsr-3451	163	16	general	general	PROPN
fsr-3451	163	17	data	data	PROPN
fsr-3451	163	18	protection	protection	PROPN
fsr-3451	163	19	regulation	regulation	NOUN
fsr-3451	163	20	.	.	PUNCT
fsr-3451	164	1	initially	initially	ADV
fsr-3451	164	2	,	,	PUNCT
fsr-3451	164	3	129	129	NUM
fsr-3451	164	4	completed	complete	VERB
fsr-3451	164	5	questionnaires	questionnaire	NOUN
fsr-3451	164	6	were	be	AUX
fsr-3451	164	7	received	receive	VERB
fsr-3451	164	8	;	;	PUNCT
fsr-3451	164	9	after	after	ADP
fsr-3451	164	10	two	two	NUM
fsr-3451	164	11	reminders	reminder	NOUN
fsr-3451	164	12	,	,	PUNCT
fsr-3451	164	13	the	the	DET
fsr-3451	164	14	total	total	ADJ
fsr-3451	164	15	number	number	NOUN
fsr-3451	164	16	of	of	ADP
fsr-3451	164	17	completed	complete	VERB
fsr-3451	164	18	questionnaires	questionnaire	NOUN
fsr-3451	164	19	increased	increase	VERB
fsr-3451	164	20	to	to	ADP
fsr-3451	164	21	146	146	NUM
fsr-3451	164	22	,	,	PUNCT
fsr-3451	164	23	that	that	ADV
fsr-3451	164	24	is	is	ADV
fsr-3451	164	25	,	,	PUNCT
fsr-3451	164	26	a	a	DET
fsr-3451	164	27	response	response	NOUN
fsr-3451	164	28	rate	rate	NOUN
fsr-3451	164	29	of	of	ADP
fsr-3451	164	30	29.2	29.2	NUM
fsr-3451	164	31	%	%	NOUN
fsr-3451	164	32	.	.	PUNCT
fsr-3451	165	1	following	follow	VERB
fsr-3451	165	2	the	the	DET
fsr-3451	165	3	suggestion	suggestion	NOUN
fsr-3451	165	4	of	of	ADP
fsr-3451	165	5	pohlmann	pohlmann	NOUN
fsr-3451	165	6	(	(	PUNCT
fsr-3451	165	7	2004	2004	NUM
fsr-3451	165	8	)	)	PUNCT
fsr-3451	165	9	,	,	PUNCT
fsr-3451	165	10	an	an	DET
fsr-3451	165	11	analysis	analysis	NOUN
fsr-3451	165	12	was	be	AUX
fsr-3451	165	13	conducted	conduct	VERB
fsr-3451	165	14	comparing	compare	VERB
fsr-3451	165	15	the	the	DET
fsr-3451	165	16	results	result	NOUN
fsr-3451	165	17	of	of	ADP
fsr-3451	165	18	those	those	PRON
fsr-3451	165	19	responding	respond	VERB
fsr-3451	165	20	before	before	ADV
fsr-3451	165	21	and	and	CCONJ
fsr-3451	165	22	after	after	ADP
fsr-3451	165	23	the	the	DET
fsr-3451	165	24	first	first	ADJ
fsr-3451	165	25	reminder	reminder	NOUN
fsr-3451	165	26	;	;	PUNCT
fsr-3451	165	27	no	no	DET
fsr-3451	165	28	notable	notable	ADJ
fsr-3451	165	29	differences	difference	NOUN
fsr-3451	165	30	were	be	AUX
fsr-3451	165	31	found	find	VERB
fsr-3451	165	32	between	between	ADP
fsr-3451	165	33	these	these	DET
fsr-3451	165	34	two	two	NUM
fsr-3451	165	35	groups	group	NOUN
fsr-3451	165	36	.	.	PUNCT
fsr-3451	166	1	descriptive	descriptive	ADJ
fsr-3451	166	2	statistics	statistic	NOUN
fsr-3451	166	3	,	,	PUNCT
fsr-3451	166	4	sample	sample	NOUN
fsr-3451	166	5	adequacy	adequacy	NOUN
fsr-3451	166	6	,	,	PUNCT
fsr-3451	166	7	and	and	CCONJ
fsr-3451	166	8	common	common	ADJ
fsr-3451	166	9	method	method	NOUN
fsr-3451	166	10	bias	bias	NOUN
fsr-3451	166	11	tests	test	NOUN
fsr-3451	166	12	were	be	AUX
fsr-3451	166	13	calculated	calculate	VERB
fsr-3451	166	14	.	.	PUNCT
fsr-3451	167	1	in	in	ADP
fsr-3451	167	2	a	a	DET
fsr-3451	167	3	further	further	ADJ
fsr-3451	167	4	step	step	NOUN
fsr-3451	167	5	,	,	PUNCT
fsr-3451	167	6	confirmatory	confirmatory	NOUN
fsr-3451	167	7	factor	factor	NOUN
fsr-3451	167	8	analysis	analysis	NOUN
fsr-3451	167	9	(	(	PUNCT
fsr-3451	167	10	cfa	cfa	NOUN
fsr-3451	167	11	)	)	PUNCT
fsr-3451	167	12	was	be	AUX
fsr-3451	167	13	utilized	utilize	VERB
fsr-3451	167	14	to	to	PART
fsr-3451	167	15	test	test	VERB
fsr-3451	167	16	how	how	SCONJ
fsr-3451	167	17	well	well	ADV
fsr-3451	167	18	the	the	DET
fsr-3451	167	19	observed	observed	ADJ
fsr-3451	167	20	variables	variable	NOUN
fsr-3451	167	21	represent	represent	VERB
fsr-3451	167	22	the	the	DET
fsr-3451	167	23	latent	latent	NOUN
fsr-3451	167	24	variables	variable	NOUN
fsr-3451	167	25	(	(	PUNCT
fsr-3451	167	26	cf	cf	NOUN
fsr-3451	167	27	.	.	PUNCT
fsr-3451	168	1	hair	hair	NOUN
fsr-3451	168	2	,	,	PUNCT
fsr-3451	168	3	black	black	ADJ
fsr-3451	168	4	,	,	PUNCT
fsr-3451	168	5	babin	babin	PROPN
fsr-3451	168	6	,	,	PUNCT
fsr-3451	168	7	&	&	CCONJ
fsr-3451	168	8	anderson	anderson	PROPN
fsr-3451	168	9	,	,	PUNCT
fsr-3451	168	10	2014	2014	NUM
fsr-3451	168	11	)	)	PUNCT
fsr-3451	168	12	.	.	PUNCT
fsr-3451	169	1	the	the	DET
fsr-3451	169	2	current	current	ADJ
fsr-3451	169	3	study	study	NOUN
fsr-3451	169	4	used	use	VERB
fsr-3451	169	5	cfa	cfa	PROPN
fsr-3451	169	6	to	to	PART
fsr-3451	169	7	delete	delete	VERB
fsr-3451	169	8	unnecessary	unnecessary	ADJ
fsr-3451	169	9	items	item	NOUN
fsr-3451	169	10	and	and	CCONJ
fsr-3451	169	11	refine	refine	VERB
fsr-3451	169	12	the	the	DET
fsr-3451	169	13	measurement	measurement	NOUN
fsr-3451	169	14	model	model	NOUN
fsr-3451	169	15	;	;	PUNCT
fsr-3451	169	16	it	it	PRON
fsr-3451	169	17	was	be	AUX
fsr-3451	169	18	also	also	ADV
fsr-3451	169	19	used	use	VERB
fsr-3451	169	20	to	to	PART
fsr-3451	169	21	address	address	VERB
fsr-3451	169	22	reliability	reliability	NOUN
fsr-3451	169	23	and	and	CCONJ
fsr-3451	169	24	validity	validity	NOUN
fsr-3451	169	25	issues	issue	NOUN
fsr-3451	169	26	.	.	PUNCT
fsr-3451	170	1	subsequently	subsequently	ADV
fsr-3451	170	2	,	,	PUNCT
fsr-3451	170	3	structural	structural	ADJ
fsr-3451	170	4	equation	equation	NOUN
fsr-3451	170	5	154	154	NUM
fsr-3451	170	6	m.	m.	NOUN
fsr-3451	170	7	nourallah	nourallah	PROPN
fsr-3451	170	8	et	et	PROPN
fsr-3451	170	9	al	al	PROPN
fsr-3451	170	10	.	.	PUNCT
fsr-3451	170	11	/	/	SYM
fsr-3451	170	12	financial	financial	ADJ
fsr-3451	170	13	services	service	NOUN
fsr-3451	170	14	review	review	VERB
fsr-3451	170	15	29	29	NUM
fsr-3451	170	16	(	(	PUNCT
fsr-3451	170	17	2021	2021	NUM
fsr-3451	170	18	)	)	PUNCT
fsr-3451	171	1	147–167	147–167	NUM
fsr-3451	171	2	modeling	modeling	NOUN
fsr-3451	171	3	(	(	PUNCT
fsr-3451	171	4	sem	sem	NOUN
fsr-3451	171	5	)	)	PUNCT
fsr-3451	171	6	was	be	AUX
fsr-3451	171	7	used	use	VERB
fsr-3451	171	8	to	to	PART
fsr-3451	171	9	test	test	VERB
fsr-3451	171	10	the	the	DET
fsr-3451	171	11	research	research	NOUN
fsr-3451	171	12	model	model	NOUN
fsr-3451	171	13	and	and	CCONJ
fsr-3451	171	14	the	the	DET
fsr-3451	171	15	hypotheses	hypothesis	NOUN
fsr-3451	171	16	.	.	PUNCT
fsr-3451	172	1	both	both	DET
fsr-3451	172	2	cfa	cfa	PROPN
fsr-3451	172	3	and	and	CCONJ
fsr-3451	172	4	sem	sem	NOUN
fsr-3451	172	5	were	be	AUX
fsr-3451	172	6	performed	perform	VERB
fsr-3451	172	7	using	use	VERB
fsr-3451	172	8	lisrel	lisrel	NOUN
fsr-3451	172	9	9.30	9.30	NUM
fsr-3451	172	10	.	.	PUNCT
fsr-3451	173	1	4	4	X
fsr-3451	173	2	.	.	NOUN
fsr-3451	173	3	results	result	VERB
fsr-3451	173	4	4.1	4.1	NUM
fsr-3451	173	5	.	.	PUNCT
fsr-3451	174	1	descriptive	descriptive	ADJ
fsr-3451	174	2	statistics	statistic	NOUN
fsr-3451	174	3	the	the	DET
fsr-3451	174	4	characteristics	characteristic	NOUN
fsr-3451	174	5	of	of	ADP
fsr-3451	174	6	the	the	DET
fsr-3451	174	7	sample	sample	NOUN
fsr-3451	174	8	are	be	AUX
fsr-3451	174	9	presented	present	VERB
fsr-3451	174	10	in	in	ADP
fsr-3451	174	11	the	the	DET
fsr-3451	174	12	appendix	appendix	NOUN
fsr-3451	174	13	.	.	PUNCT
fsr-3451	175	1	most	most	ADJ
fsr-3451	175	2	participants	participant	NOUN
fsr-3451	175	3	were	be	AUX
fsr-3451	175	4	18–23	18–23	NUM
fsr-3451	175	5	years	year	NOUN
fsr-3451	175	6	of	of	ADP
fsr-3451	175	7	age	age	NOUN
fsr-3451	175	8	,	,	PUNCT
fsr-3451	175	9	and	and	CCONJ
fsr-3451	175	10	the	the	DET
fsr-3451	175	11	sample	sample	NOUN
fsr-3451	175	12	was	be	AUX
fsr-3451	175	13	fairly	fairly	ADV
fsr-3451	175	14	equally	equally	ADV
fsr-3451	175	15	distributed	distribute	VERB
fsr-3451	175	16	in	in	ADP
fsr-3451	175	17	terms	term	NOUN
fsr-3451	175	18	of	of	ADP
fsr-3451	175	19	gender	gender	NOUN
fsr-3451	175	20	.	.	PUNCT
fsr-3451	176	1	only	only	ADV
fsr-3451	176	2	a	a	DET
fsr-3451	176	3	small	small	ADJ
fsr-3451	176	4	percentage	percentage	NOUN
fsr-3451	176	5	of	of	ADP
fsr-3451	176	6	participants	participant	NOUN
fsr-3451	176	7	used	use	VERB
fsr-3451	176	8	more	more	ADJ
fsr-3451	176	9	than	than	ADP
fsr-3451	176	10	three	three	NUM
fsr-3451	176	11	mbas	mba	NOUN
fsr-3451	176	12	.	.	PUNCT
fsr-3451	177	1	regarding	regard	VERB
fsr-3451	177	2	usage	usage	NOUN
fsr-3451	177	3	experience	experience	NOUN
fsr-3451	177	4	,	,	PUNCT
fsr-3451	177	5	a	a	DET
fsr-3451	177	6	large	large	ADJ
fsr-3451	177	7	majority	majority	NOUN
fsr-3451	177	8	had	have	VERB
fsr-3451	177	9	two	two	NUM
fsr-3451	177	10	or	or	CCONJ
fsr-3451	177	11	more	more	ADJ
fsr-3451	177	12	years	year	NOUN
fsr-3451	177	13	of	of	ADP
fsr-3451	177	14	mba	mba	NOUN
fsr-3451	177	15	experience	experience	NOUN
fsr-3451	177	16	,	,	PUNCT
fsr-3451	177	17	and	and	CCONJ
fsr-3451	177	18	almost	almost	ADV
fsr-3451	177	19	half	half	DET
fsr-3451	177	20	the	the	DET
fsr-3451	177	21	participants	participant	NOUN
fsr-3451	177	22	perceived	perceive	VERB
fsr-3451	177	23	themselves	themselves	PRON
fsr-3451	177	24	as	as	ADP
fsr-3451	177	25	highly	highly	ADV
fsr-3451	177	26	experienced	experienced	ADJ
fsr-3451	177	27	.	.	PUNCT
fsr-3451	178	1	4.2	4.2	NUM
fsr-3451	178	2	.	.	PUNCT
fsr-3451	178	3	sample	sample	NOUN
fsr-3451	178	4	adequacy	adequacy	NOUN
fsr-3451	178	5	and	and	CCONJ
fsr-3451	178	6	common	common	ADJ
fsr-3451	178	7	method	method	NOUN
fsr-3451	178	8	bias	bias	NOUN
fsr-3451	178	9	exploratory	exploratory	ADJ
fsr-3451	178	10	factor	factor	NOUN
fsr-3451	178	11	analysis	analysis	NOUN
fsr-3451	178	12	was	be	AUX
fsr-3451	178	13	used	use	VERB
fsr-3451	178	14	to	to	PART
fsr-3451	178	15	assess	assess	VERB
fsr-3451	178	16	sample	sample	NOUN
fsr-3451	178	17	adequacy	adequacy	NOUN
fsr-3451	178	18	and	and	CCONJ
fsr-3451	178	19	common	common	ADJ
fsr-3451	178	20	method	method	NOUN
fsr-3451	178	21	bias	bias	NOUN
fsr-3451	178	22	.	.	PUNCT
fsr-3451	179	1	kaiser	kaiser	PROPN
fsr-3451	179	2	-	-	PUNCT
fsr-3451	179	3	meyer	meyer	PROPN
fsr-3451	179	4	-	-	PUNCT
fsr-3451	179	5	olkin	olkin	PROPN
fsr-3451	179	6	(	(	PUNCT
fsr-3451	179	7	kmo	kmo	NOUN
fsr-3451	179	8	;	;	PUNCT
fsr-3451	179	9	cf	cf	X
fsr-3451	179	10	.	.	PUNCT
fsr-3451	179	11	sharma	sharma	PROPN
fsr-3451	179	12	,	,	PUNCT
fsr-3451	179	13	1996	1996	NUM
fsr-3451	179	14	)	)	PUNCT
fsr-3451	179	15	and	and	CCONJ
fsr-3451	179	16	harmon	harmon	PROPN
fsr-3451	179	17	’s	’s	PART
fsr-3451	179	18	single	single	ADJ
fsr-3451	179	19	-	-	PUNCT
fsr-3451	179	20	factor	factor	NOUN
fsr-3451	179	21	tests	test	NOUN
fsr-3451	179	22	(	(	PUNCT
fsr-3451	179	23	cf	cf	NOUN
fsr-3451	179	24	.	.	PUNCT
fsr-3451	180	1	podsakoff	podsakoff	PROPN
fsr-3451	180	2	,	,	PUNCT
fsr-3451	180	3	mackenzie	mackenzie	PROPN
fsr-3451	180	4	,	,	PUNCT
fsr-3451	180	5	lee	lee	PROPN
fsr-3451	180	6	,	,	PUNCT
fsr-3451	180	7	&	&	CCONJ
fsr-3451	180	8	podsakoff	podsakoff	PROPN
fsr-3451	180	9	,	,	PUNCT
fsr-3451	180	10	2003	2003	NUM
fsr-3451	180	11	)	)	PUNCT
fsr-3451	180	12	were	be	AUX
fsr-3451	180	13	conducted	conduct	VERB
fsr-3451	180	14	.	.	PUNCT
fsr-3451	181	1	the	the	DET
fsr-3451	181	2	kmo	kmo	PROPN
fsr-3451	181	3	value	value	NOUN
fsr-3451	181	4	was	be	AUX
fsr-3451	181	5	0.809	0.809	NUM
fsr-3451	181	6	(	(	PUNCT
fsr-3451	181	7	kmo	kmo	X
fsr-3451	181	8	>	>	X
fsr-3451	181	9	0.8	0.8	NUM
fsr-3451	181	10	)	)	PUNCT
fsr-3451	181	11	,	,	PUNCT
fsr-3451	181	12	indicating	indicate	VERB
fsr-3451	181	13	that	that	SCONJ
fsr-3451	181	14	the	the	DET
fsr-3451	181	15	sample	sample	NOUN
fsr-3451	181	16	adequacy	adequacy	NOUN
fsr-3451	181	17	is	be	AUX
fsr-3451	181	18	good	good	ADJ
fsr-3451	181	19	.	.	PUNCT
fsr-3451	182	1	harmon	harmon	PROPN
fsr-3451	182	2	’s	’s	PART
fsr-3451	182	3	single	single	ADJ
fsr-3451	182	4	-	-	PUNCT
fsr-3451	182	5	factor	factor	NOUN
fsr-3451	182	6	test	test	NOUN
fsr-3451	182	7	showed	show	VERB
fsr-3451	182	8	that	that	SCONJ
fsr-3451	182	9	there	there	PRON
fsr-3451	182	10	was	be	VERB
fsr-3451	182	11	no	no	DET
fsr-3451	182	12	maximum	maximum	ADJ
fsr-3451	182	13	variance	variance	NOUN
fsr-3451	182	14	explained	explain	VERB
fsr-3451	182	15	by	by	ADP
fsr-3451	182	16	a	a	DET
fsr-3451	182	17	single	single	ADJ
fsr-3451	182	18	factor	factor	NOUN
fsr-3451	182	19	4.3	4.3	NUM
fsr-3451	182	20	.	.	PUNCT
fsr-3451	183	1	measurement	measurement	NOUN
fsr-3451	183	2	model	model	NOUN
fsr-3451	183	3	the	the	DET
fsr-3451	183	4	initial	initial	ADJ
fsr-3451	183	5	results	result	NOUN
fsr-3451	183	6	of	of	ADP
fsr-3451	183	7	the	the	DET
fsr-3451	183	8	measurement	measurement	NOUN
fsr-3451	183	9	model	model	NOUN
fsr-3451	183	10	,	,	PUNCT
fsr-3451	183	11	that	that	ADV
fsr-3451	183	12	is	is	ADV
fsr-3451	183	13	,	,	PUNCT
fsr-3451	183	14	the	the	DET
fsr-3451	183	15	model	model	NOUN
fsr-3451	183	16	that	that	PRON
fsr-3451	183	17	contains	contain	VERB
fsr-3451	183	18	all	all	DET
fsr-3451	183	19	the	the	DET
fsr-3451	183	20	items	item	NOUN
fsr-3451	183	21	included	include	VERB
fsr-3451	183	22	in	in	ADP
fsr-3451	183	23	the	the	DET
fsr-3451	183	24	research	research	NOUN
fsr-3451	183	25	model	model	NOUN
fsr-3451	183	26	,	,	PUNCT
fsr-3451	183	27	did	do	AUX
fsr-3451	183	28	not	not	PART
fsr-3451	183	29	meet	meet	VERB
fsr-3451	183	30	the	the	DET
fsr-3451	183	31	suggested	suggest	VERB
fsr-3451	183	32	thresholds	threshold	NOUN
fsr-3451	183	33	.	.	PUNCT
fsr-3451	184	1	to	to	PART
fsr-3451	184	2	refine	refine	VERB
fsr-3451	184	3	the	the	DET
fsr-3451	184	4	model	model	NOUN
fsr-3451	184	5	,	,	PUNCT
fsr-3451	184	6	the	the	DET
fsr-3451	184	7	suggestions	suggestion	NOUN
fsr-3451	184	8	of	of	ADP
fsr-3451	184	9	the	the	DET
fsr-3451	184	10	modification	modification	NOUN
fsr-3451	184	11	indices	index	NOUN
fsr-3451	184	12	in	in	ADP
fsr-3451	184	13	lisrel	lisrel	NOUN
fsr-3451	184	14	9.30	9.30	NUM
fsr-3451	184	15	were	be	AUX
fsr-3451	184	16	applied	apply	VERB
fsr-3451	184	17	(	(	PUNCT
fsr-3451	184	18	cf	cf	NOUN
fsr-3451	184	19	.	.	PUNCT
fsr-3451	185	1	jöreskog	jöreskog	PROPN
fsr-3451	185	2	&	&	CCONJ
fsr-3451	185	3	sörbom	sörbom	PROPN
fsr-3451	185	4	,	,	PUNCT
fsr-3451	185	5	1993	1993	NUM
fsr-3451	185	6	)	)	PUNCT
fsr-3451	185	7	.	.	PUNCT
fsr-3451	186	1	this	this	PRON
fsr-3451	186	2	resulted	result	VERB
fsr-3451	186	3	in	in	ADP
fsr-3451	186	4	three	three	NUM
fsr-3451	186	5	factors	factor	NOUN
fsr-3451	186	6	(	(	PUNCT
fsr-3451	186	7	i.e.	i.e.	X
fsr-3451	186	8	,	,	PUNCT
fsr-3451	186	9	usa	usa	PROPN
fsr-3451	186	10	4	4	NUM
fsr-3451	186	11	,	,	PUNCT
fsr-3451	186	12	usa	usa	PROPN
fsr-3451	186	13	5	5	NUM
fsr-3451	186	14	,	,	PUNCT
fsr-3451	186	15	and	and	CCONJ
fsr-3451	186	16	rel	rel	NOUN
fsr-3451	186	17	3	3	NUM
fsr-3451	186	18	)	)	PUNCT
fsr-3451	186	19	being	be	AUX
fsr-3451	186	20	eliminated	eliminate	VERB
fsr-3451	186	21	.	.	PUNCT
fsr-3451	187	1	the	the	DET
fsr-3451	187	2	results	result	NOUN
fsr-3451	187	3	of	of	ADP
fsr-3451	187	4	the	the	DET
fsr-3451	187	5	final	final	ADJ
fsr-3451	187	6	measurement	measurement	NOUN
fsr-3451	187	7	model	model	NOUN
fsr-3451	187	8	with	with	ADP
fsr-3451	187	9	standardized	standardized	ADJ
fsr-3451	187	10	factor	factor	NOUN
fsr-3451	187	11	loadings	loading	NOUN
fsr-3451	187	12	and	and	CCONJ
fsr-3451	187	13	t	t	NOUN
fsr-3451	187	14	-	-	PUNCT
fsr-3451	187	15	values	value	NOUN
fsr-3451	187	16	are	be	AUX
fsr-3451	187	17	presented	present	VERB
fsr-3451	187	18	in	in	ADP
fsr-3451	187	19	fig	fig	NOUN
fsr-3451	187	20	.	.	PUNCT
fsr-3451	188	1	2	2	NUM
fsr-3451	188	2	observed	observed	ADJ
fsr-3451	188	3	variables	variable	NOUN
fsr-3451	188	4	are	be	AUX
fsr-3451	188	5	represented	represent	VERB
fsr-3451	188	6	by	by	ADP
fsr-3451	188	7	rectangles	rectangle	NOUN
fsr-3451	188	8	;	;	PUNCT
fsr-3451	188	9	the	the	DET
fsr-3451	188	10	standardized	standardized	ADJ
fsr-3451	188	11	factor	factor	NOUN
fsr-3451	188	12	loading	loading	NOUN
fsr-3451	188	13	values	value	NOUN
fsr-3451	188	14	are	be	AUX
fsr-3451	188	15	indicated	indicate	VERB
fsr-3451	188	16	before	before	ADP
fsr-3451	188	17	the	the	DET
fsr-3451	188	18	slashes	slash	NOUN
fsr-3451	188	19	and	and	CCONJ
fsr-3451	188	20	the	the	DET
fsr-3451	188	21	tvalues	tvalue	NOUN
fsr-3451	188	22	after	after	ADP
fsr-3451	188	23	the	the	DET
fsr-3451	188	24	slashes	slash	NOUN
fsr-3451	188	25	.	.	PUNCT
fsr-3451	189	1	the	the	DET
fsr-3451	189	2	final	final	ADJ
fsr-3451	189	3	measurement	measurement	NOUN
fsr-3451	189	4	model	model	NOUN
fsr-3451	189	5	shows	show	VERB
fsr-3451	189	6	that	that	SCONJ
fsr-3451	189	7	x2	x2	PROPN
fsr-3451	189	8	=	=	PUNCT
fsr-3451	189	9	55.07	55.07	NUM
fsr-3451	189	10	(	(	PUNCT
fsr-3451	189	11	with	with	ADP
fsr-3451	189	12	44	44	NUM
fsr-3451	189	13	degrees	degree	NOUN
fsr-3451	189	14	of	of	ADP
fsr-3451	189	15	freedom	freedom	NOUN
fsr-3451	189	16	)	)	PUNCT
fsr-3451	189	17	.	.	PUNCT
fsr-3451	190	1	the	the	DET
fsr-3451	190	2	x2	x2	PROPN
fsr-3451	190	3	/	/	SYM
fsr-3451	190	4	df	df	PROPN
fsr-3451	190	5	ratio	ratio	NOUN
fsr-3451	190	6	equals	equal	VERB
fsr-3451	190	7	1.25	1.25	NUM
fsr-3451	190	8	(	(	PUNCT
fsr-3451	190	9	x2/	x2/	PROPN
fsr-3451	190	10	df	df	PROPN
fsr-3451	190	11	>	>	X
fsr-3451	190	12	2	2	NUM
fsr-3451	190	13	)	)	PUNCT
fsr-3451	190	14	,	,	PUNCT
fsr-3451	190	15	which	which	PRON
fsr-3451	190	16	is	be	AUX
fsr-3451	190	17	considered	consider	VERB
fsr-3451	190	18	a	a	DET
fsr-3451	190	19	good	good	ADJ
fsr-3451	190	20	fit	fit	NOUN
fsr-3451	190	21	(	(	PUNCT
fsr-3451	190	22	cf	cf	NOUN
fsr-3451	190	23	.	.	PUNCT
fsr-3451	191	1	jöreskog	jöreskog	PROPN
fsr-3451	191	2	,	,	PUNCT
fsr-3451	191	3	olsson	olsson	PROPN
fsr-3451	191	4	,	,	PUNCT
fsr-3451	191	5	&	&	CCONJ
fsr-3451	191	6	wallentin	wallentin	NOUN
fsr-3451	191	7	,	,	PUNCT
fsr-3451	191	8	2016	2016	NUM
fsr-3451	191	9	)	)	PUNCT
fsr-3451	191	10	.	.	PUNCT
fsr-3451	192	1	the	the	DET
fsr-3451	192	2	root	root	NOUN
fsr-3451	192	3	mean	mean	VERB
fsr-3451	192	4	square	square	ADJ
fsr-3451	192	5	error	error	NOUN
fsr-3451	192	6	of	of	ADP
fsr-3451	192	7	approximation	approximation	NOUN
fsr-3451	192	8	(	(	PUNCT
fsr-3451	192	9	rmsea	rmsea	NOUN
fsr-3451	192	10	)	)	PUNCT
fsr-3451	192	11	is	be	AUX
fsr-3451	192	12	0.0428	0.0428	NUM
fsr-3451	192	13	(	(	PUNCT
fsr-3451	192	14	rmsea	rmsea	NOUN
fsr-3451	192	15	>	>	X
fsr-3451	192	16	0.8	0.8	NUM
fsr-3451	192	17	)	)	PUNCT
fsr-3451	192	18	,	,	PUNCT
fsr-3451	192	19	which	which	PRON
fsr-3451	192	20	indicates	indicate	VERB
fsr-3451	192	21	good	good	ADJ
fsr-3451	192	22	fit	fit	NOUN
fsr-3451	192	23	(	(	PUNCT
fsr-3451	192	24	cf	cf	NOUN
fsr-3451	192	25	.	.	PUNCT
fsr-3451	193	1	bagozzi	bagozzi	PROPN
fsr-3451	193	2	&	&	CCONJ
fsr-3451	193	3	yi	yi	PROPN
fsr-3451	193	4	,	,	PUNCT
fsr-3451	193	5	1988	1988	NUM
fsr-3451	193	6	)	)	PUNCT
fsr-3451	193	7	.	.	PUNCT
fsr-3451	194	1	the	the	DET
fsr-3451	194	2	results	result	NOUN
fsr-3451	194	3	of	of	ADP
fsr-3451	194	4	the	the	DET
fsr-3451	194	5	goodness	goodness	NOUN
fsr-3451	194	6	of	of	ADP
fsr-3451	194	7	fit	fit	PROPN
fsr-3451	194	8	index	index	NOUN
fsr-3451	194	9	,	,	PUNCT
fsr-3451	194	10	normed	normed	PROPN
fsr-3451	194	11	fit	fit	PROPN
fsr-3451	194	12	index	index	NOUN
fsr-3451	194	13	,	,	PUNCT
fsr-3451	194	14	non	non	ADJ
fsr-3451	194	15	-	-	ADJ
fsr-3451	194	16	normed	normed	ADJ
fsr-3451	194	17	fit	fit	ADJ
fsr-3451	194	18	index	index	NOUN
fsr-3451	194	19	,	,	PUNCT
fsr-3451	194	20	and	and	CCONJ
fsr-3451	194	21	comparative	comparative	ADJ
fsr-3451	194	22	fit	fit	ADJ
fsr-3451	194	23	index	index	NOUN
fsr-3451	194	24	were	be	AUX
fsr-3451	194	25	all	all	PRON
fsr-3451	194	26	>	>	SYM
fsr-3451	194	27	0.9	0.9	NUM
fsr-3451	194	28	,	,	PUNCT
fsr-3451	194	29	which	which	PRON
fsr-3451	194	30	is	be	AUX
fsr-3451	194	31	the	the	DET
fsr-3451	194	32	recommended	recommend	VERB
fsr-3451	194	33	threshold	threshold	NOUN
fsr-3451	194	34	(	(	PUNCT
fsr-3451	194	35	cf	cf	NOUN
fsr-3451	194	36	.	.	PUNCT
fsr-3451	195	1	jöreskog	jöreskog	PROPN
fsr-3451	195	2	et	et	PROPN
fsr-3451	195	3	al	al	PROPN
fsr-3451	195	4	.	.	PROPN
fsr-3451	195	5	,	,	PUNCT
fsr-3451	195	6	2016	2016	NUM
fsr-3451	195	7	)	)	PUNCT
fsr-3451	195	8	.	.	PUNCT
fsr-3451	196	1	table	table	NOUN
fsr-3451	196	2	1	1	NUM
fsr-3451	196	3	shows	show	VERB
fsr-3451	196	4	that	that	SCONJ
fsr-3451	196	5	the	the	DET
fsr-3451	196	6	overall	overall	ADJ
fsr-3451	196	7	fit	fit	ADJ
fsr-3451	196	8	indices	index	NOUN
fsr-3451	196	9	of	of	ADP
fsr-3451	196	10	the	the	DET
fsr-3451	196	11	measurement	measurement	NOUN
fsr-3451	196	12	model	model	NOUN
fsr-3451	196	13	meet	meet	VERB
fsr-3451	196	14	the	the	DET
fsr-3451	196	15	recommended	recommend	VERB
fsr-3451	196	16	values	value	NOUN
fsr-3451	196	17	.	.	PUNCT
fsr-3451	197	1	cfa	cfa	PROPN
fsr-3451	197	2	was	be	AUX
fsr-3451	197	3	used	use	VERB
fsr-3451	197	4	to	to	PART
fsr-3451	197	5	measure	measure	VERB
fsr-3451	197	6	the	the	DET
fsr-3451	197	7	reliability	reliability	NOUN
fsr-3451	197	8	,	,	PUNCT
fsr-3451	197	9	convergent	convergent	ADJ
fsr-3451	197	10	validity	validity	NOUN
fsr-3451	197	11	,	,	PUNCT
fsr-3451	197	12	and	and	CCONJ
fsr-3451	197	13	discriminant	discriminant	ADJ
fsr-3451	197	14	validity	validity	NOUN
fsr-3451	197	15	of	of	ADP
fsr-3451	197	16	the	the	DET
fsr-3451	197	17	measurement	measurement	NOUN
fsr-3451	197	18	model	model	NOUN
fsr-3451	197	19	.	.	PUNCT
fsr-3451	198	1	the	the	DET
fsr-3451	198	2	current	current	ADJ
fsr-3451	198	3	study	study	NOUN
fsr-3451	198	4	uses	use	VERB
fsr-3451	198	5	two	two	NUM
fsr-3451	198	6	tests	test	NOUN
fsr-3451	198	7	to	to	PART
fsr-3451	198	8	assess	assess	VERB
fsr-3451	198	9	reliability	reliability	NOUN
fsr-3451	198	10	:	:	PUNCT
fsr-3451	198	11	(	(	PUNCT
fsr-3451	198	12	1	1	X
fsr-3451	198	13	)	)	PUNCT
fsr-3451	198	14	squared	square	VERB
fsr-3451	198	15	multiple	multiple	ADJ
fsr-3451	198	16	correlations	correlation	NOUN
fsr-3451	198	17	(	(	PUNCT
fsr-3451	198	18	smc	smc	PROPN
fsr-3451	198	19	)	)	PUNCT
fsr-3451	198	20	,	,	PUNCT
fsr-3451	198	21	that	that	ADV
fsr-3451	198	22	is	is	ADV
fsr-3451	198	23	,	,	PUNCT
fsr-3451	198	24	the	the	DET
fsr-3451	198	25	degree	degree	NOUN
fsr-3451	198	26	to	to	PART
fsr-3451	198	27	which	which	PRON
fsr-3451	198	28	the	the	DET
fsr-3451	198	29	observed	observed	ADJ
fsr-3451	198	30	variable	variable	NOUN
fsr-3451	198	31	’s	’s	PART
fsr-3451	198	32	variance	variance	NOUN
fsr-3451	198	33	is	be	AUX
fsr-3451	198	34	m.	m.	NOUN
fsr-3451	198	35	nourallah	nourallah	PROPN
fsr-3451	198	36	et	et	PROPN
fsr-3451	198	37	al	al	PROPN
fsr-3451	198	38	.	.	PUNCT
fsr-3451	199	1	/	/	SYM
fsr-3451	199	2	financial	financial	ADJ
fsr-3451	199	3	services	service	NOUN
fsr-3451	199	4	review	review	VERB
fsr-3451	199	5	29	29	NUM
fsr-3451	199	6	(	(	PUNCT
fsr-3451	199	7	2021	2021	NUM
fsr-3451	199	8	)	)	PUNCT
fsr-3451	200	1	147–167	147–167	NUM
fsr-3451	200	2	155	155	NUM
fsr-3451	200	3	explained	explain	VERB
fsr-3451	200	4	by	by	ADP
fsr-3451	200	5	a	a	DET
fsr-3451	200	6	latent	latent	NOUN
fsr-3451	200	7	variable	variable	NOUN
fsr-3451	200	8	,	,	PUNCT
fsr-3451	200	9	and	and	CCONJ
fsr-3451	200	10	(	(	PUNCT
fsr-3451	200	11	2	2	X
fsr-3451	200	12	)	)	PUNCT
fsr-3451	200	13	composite	composite	ADJ
fsr-3451	200	14	reliability	reliability	NOUN
fsr-3451	200	15	(	(	PUNCT
fsr-3451	200	16	cr	cr	NOUN
fsr-3451	200	17	)	)	PUNCT
fsr-3451	200	18	,	,	PUNCT
fsr-3451	200	19	to	to	PART
fsr-3451	200	20	assess	assess	VERB
fsr-3451	200	21	the	the	DET
fsr-3451	200	22	internal	internal	ADJ
fsr-3451	200	23	consistency	consistency	NOUN
fsr-3451	200	24	(	(	PUNCT
fsr-3451	200	25	hair	hair	NOUN
fsr-3451	200	26	et	et	PROPN
fsr-3451	200	27	al	al	PROPN
fsr-3451	200	28	.	.	PROPN
fsr-3451	200	29	,	,	PUNCT
fsr-3451	200	30	2014	2014	NUM
fsr-3451	200	31	)	)	PUNCT
fsr-3451	200	32	.	.	PUNCT
fsr-3451	201	1	cr	cr	PROPN
fsr-3451	201	2	was	be	AUX
fsr-3451	201	3	calculated	calculate	VERB
fsr-3451	201	4	from	from	ADP
fsr-3451	201	5	the	the	DET
fsr-3451	201	6	squared	square	VERB
fsr-3451	201	7	sum	sum	NOUN
fsr-3451	201	8	of	of	ADP
fsr-3451	201	9	factor	factor	NOUN
fsr-3451	201	10	loadings	loading	NOUN
fsr-3451	201	11	(	(	PUNCT
fsr-3451	201	12	li	li	NOUN
fsr-3451	201	13	)	)	PUNCT
fsr-3451	201	14	for	for	ADP
fsr-3451	201	15	each	each	DET
fsr-3451	201	16	latent	latent	NOUN
fsr-3451	201	17	variable	variable	NOUN
fsr-3451	201	18	and	and	CCONJ
fsr-3451	201	19	for	for	ADP
fsr-3451	201	20	the	the	DET
fsr-3451	201	21	sum	sum	NOUN
fsr-3451	201	22	of	of	ADP
fsr-3451	201	23	the	the	DET
fsr-3451	201	24	error	error	NOUN
fsr-3451	201	25	variance	variance	NOUN
fsr-3451	201	26	terms	term	NOUN
fsr-3451	201	27	for	for	ADP
fsr-3451	201	28	the	the	DET
fsr-3451	201	29	latent	latent	NOUN
fsr-3451	201	30	variables	variable	NOUN
fsr-3451	201	31	,	,	PUNCT
fsr-3451	201	32	as	as	SCONJ
fsr-3451	201	33	shown	show	VERB
fsr-3451	201	34	in	in	ADP
fsr-3451	201	35	eq	eq	ADP
fsr-3451	201	36	.	.	PUNCT
fsr-3451	202	1	(	(	PUNCT
fsr-3451	202	2	1	1	NUM
fsr-3451	202	3	)	)	PUNCT
fsr-3451	202	4	.	.	PUNCT
fsr-3451	203	1	table	table	NOUN
fsr-3451	203	2	2	2	NUM
fsr-3451	203	3	shows	show	VERB
fsr-3451	203	4	that	that	SCONJ
fsr-3451	203	5	the	the	DET
fsr-3451	203	6	smcs	smcs	NOUN
fsr-3451	203	7	of	of	ADP
fsr-3451	203	8	all	all	DET
fsr-3451	203	9	observed	observed	ADJ
fsr-3451	203	10	variables	variable	NOUN
fsr-3451	203	11	are	be	AUX
fsr-3451	203	12	higher	high	ADJ
fsr-3451	203	13	than	than	ADP
fsr-3451	203	14	0.5	0.5	NUM
fsr-3451	203	15	,	,	PUNCT
fsr-3451	203	16	except	except	SCONJ
fsr-3451	203	17	for	for	ADP
fsr-3451	203	18	usa	usa	PROPN
fsr-3451	203	19	1	1	NUM
fsr-3451	203	20	and	and	CCONJ
fsr-3451	203	21	res	re	NOUN
fsr-3451	203	22	1	1	NUM
fsr-3451	203	23	,	,	PUNCT
fsr-3451	203	24	which	which	PRON
fsr-3451	203	25	are	be	AUX
fsr-3451	203	26	below	below	ADP
fsr-3451	203	27	the	the	DET
fsr-3451	203	28	cutoff	cutoff	NOUN
fsr-3451	203	29	value	value	NOUN
fsr-3451	203	30	.	.	PUNCT
fsr-3451	204	1	table	table	NOUN
fsr-3451	204	2	2	2	NUM
fsr-3451	204	3	indicates	indicate	VERB
fsr-3451	204	4	that	that	SCONJ
fsr-3451	204	5	the	the	DET
fsr-3451	204	6	cr	cr	PROPN
fsr-3451	204	7	values	value	NOUN
fsr-3451	204	8	are	be	AUX
fsr-3451	204	9	above	above	ADP
fsr-3451	204	10	0.6	0.6	NUM
fsr-3451	204	11	for	for	ADP
fsr-3451	204	12	all	all	DET
fsr-3451	204	13	latent	latent	NOUN
fsr-3451	204	14	variables	variable	NOUN
fsr-3451	204	15	.	.	PUNCT
fsr-3451	205	1	fig	fig	NOUN
fsr-3451	205	2	.	.	PUNCT
fsr-3451	206	1	2	2	X
fsr-3451	206	2	.	.	X
fsr-3451	206	3	the	the	DET
fsr-3451	206	4	results	result	NOUN
fsr-3451	206	5	of	of	ADP
fsr-3451	206	6	the	the	DET
fsr-3451	206	7	measurement	measurement	NOUN
fsr-3451	206	8	model	model	NOUN
fsr-3451	206	9	with	with	ADP
fsr-3451	206	10	standardized	standardized	ADJ
fsr-3451	206	11	factor	factor	NOUN
fsr-3451	206	12	loadings	loading	NOUN
fsr-3451	206	13	and	and	CCONJ
fsr-3451	206	14	t	t	NOUN
fsr-3451	206	15	-	-	PUNCT
fsr-3451	206	16	values	value	NOUN
fsr-3451	206	17	.	.	PUNCT
fsr-3451	207	1	x2	x2	PRON
fsr-3451	208	1	=	=	PUNCT
fsr-3451	208	2	55.07	55.07	NUM
fsr-3451	208	3	,	,	PUNCT
fsr-3451	208	4	p	p	NOUN
fsr-3451	208	5	-	-	PUNCT
fsr-3451	208	6	value	value	NOUN
fsr-3451	208	7	=	=	NOUN
fsr-3451	208	8	0.12243	0.12243	NUM
fsr-3451	208	9	,	,	PUNCT
fsr-3451	208	10	rmsea	rmsea	NOUN
fsr-3451	208	11	=	=	PUNCT
fsr-3451	208	12	0.042	0.042	NUM
fsr-3451	208	13	;	;	PUNCT
fsr-3451	208	14	rmsea	rmsea	NOUN
fsr-3451	208	15	=	=	SYM
fsr-3451	208	16	root	root	NOUN
fsr-3451	208	17	mean	mean	VERB
fsr-3451	208	18	square	square	ADJ
fsr-3451	208	19	error	error	NOUN
fsr-3451	208	20	of	of	ADP
fsr-3451	208	21	approximation	approximation	NOUN
fsr-3451	208	22	.	.	PUNCT
fsr-3451	209	1	156	156	NUM
fsr-3451	209	2	m.	m.	NOUN
fsr-3451	209	3	nourallah	nourallah	PROPN
fsr-3451	209	4	et	et	PROPN
fsr-3451	209	5	al	al	PROPN
fsr-3451	209	6	.	.	PUNCT
fsr-3451	209	7	/	/	SYM
fsr-3451	209	8	financial	financial	ADJ
fsr-3451	209	9	services	service	NOUN
fsr-3451	209	10	review	review	VERB
fsr-3451	209	11	29	29	NUM
fsr-3451	209	12	(	(	PUNCT
fsr-3451	209	13	2021	2021	NUM
fsr-3451	209	14	)	)	PUNCT
fsr-3451	209	15	147–167	147–167	NUM
fsr-3451	209	16	cr	cr	NOUN
fsr-3451	209	17	¼	¼	NOUN
fsr-3451	209	18	o	o	NOUN
fsr-3451	209	19	n	n	CCONJ
fsr-3451	209	20	i¼1	i¼1	PROPN
fsr-3451	209	21	li	li	PROPN
fsr-3451	209	22	�	�	PROPN
fsr-3451	209	23	�	�	PROPN
fsr-3451	209	24	2	2	NUM
fsr-3451	209	25	o	o	NOUN
fsr-3451	209	26	n	n	PRON
fsr-3451	209	27	i¼1	i¼1	PROPN
fsr-3451	209	28	li	li	PROPN
fsr-3451	209	29	�	�	PROPN
fsr-3451	209	30	�	�	PROPN
fsr-3451	209	31	2	2	NUM
fsr-3451	209	32	þ	þ	NOUN
fsr-3451	209	33	o	o	NOUN
fsr-3451	209	34	n	n	ADV
fsr-3451	209	35	i¼1	i¼1	NOUN
fsr-3451	209	36	ei	ei	PROPN
fsr-3451	209	37	�	�	PROPN
fsr-3451	209	38	�	�	PROPN
fsr-3451	209	39	(	(	PUNCT
fsr-3451	209	40	1	1	NUM
fsr-3451	209	41	)	)	PUNCT
fsr-3451	209	42	to	to	PART
fsr-3451	209	43	assess	assess	VERB
fsr-3451	209	44	convergent	convergent	NOUN
fsr-3451	209	45	validity	validity	NOUN
fsr-3451	209	46	,	,	PUNCT
fsr-3451	209	47	this	this	DET
fsr-3451	209	48	study	study	NOUN
fsr-3451	209	49	used	use	VERB
fsr-3451	209	50	the	the	DET
fsr-3451	209	51	average	average	ADJ
fsr-3451	209	52	variance	variance	NOUN
fsr-3451	209	53	extracted	extract	VERB
fsr-3451	209	54	(	(	PUNCT
fsr-3451	209	55	ave	ave	PROPN
fsr-3451	209	56	)	)	PUNCT
fsr-3451	209	57	,	,	PUNCT
fsr-3451	209	58	standardized	standardized	ADJ
fsr-3451	209	59	factor	factor	NOUN
fsr-3451	209	60	loadings	loading	NOUN
fsr-3451	209	61	,	,	PUNCT
fsr-3451	209	62	and	and	CCONJ
fsr-3451	209	63	t	t	NOUN
fsr-3451	209	64	-	-	PUNCT
fsr-3451	209	65	values	value	NOUN
fsr-3451	209	66	.	.	PUNCT
fsr-3451	210	1	ave	ave	PROPN
fsr-3451	210	2	was	be	AUX
fsr-3451	210	3	computed	compute	VERB
fsr-3451	210	4	from	from	ADP
fsr-3451	210	5	the	the	DET
fsr-3451	210	6	mean	mean	ADJ
fsr-3451	210	7	variance	variance	NOUN
fsr-3451	210	8	of	of	ADP
fsr-3451	210	9	the	the	DET
fsr-3451	210	10	item	item	NOUN
fsr-3451	210	11	loadings	loading	NOUN
fsr-3451	210	12	on	on	ADP
fsr-3451	210	13	a	a	DET
fsr-3451	210	14	latent	latent	NOUN
fsr-3451	210	15	variable	variable	NOUN
fsr-3451	210	16	,	,	PUNCT
fsr-3451	210	17	as	as	SCONJ
fsr-3451	210	18	shown	show	VERB
fsr-3451	210	19	in	in	ADP
fsr-3451	210	20	eq	eq	ADP
fsr-3451	210	21	.	.	PUNCT
fsr-3451	211	1	(	(	PUNCT
fsr-3451	211	2	2	2	NUM
fsr-3451	211	3	):	):	PUNCT
fsr-3451	211	4	ave	ave	NOUN
fsr-3451	211	5	¼	¼	NOUN
fsr-3451	211	6	o	o	NOUN
fsr-3451	211	7	n	n	CCONJ
fsr-3451	211	8	i¼1	i¼1	NOUN
fsr-3451	211	9	li	li	PROPN
fsr-3451	211	10	2	2	NUM
fsr-3451	211	11	n	n	CCONJ
fsr-3451	211	12	(	(	PUNCT
fsr-3451	211	13	2	2	NUM
fsr-3451	211	14	)	)	PUNCT
fsr-3451	211	15	in	in	ADP
fsr-3451	211	16	table	table	NOUN
fsr-3451	211	17	2	2	NUM
fsr-3451	211	18	,	,	PUNCT
fsr-3451	211	19	the	the	DET
fsr-3451	211	20	computations	computation	NOUN
fsr-3451	211	21	indicate	indicate	VERB
fsr-3451	211	22	that	that	SCONJ
fsr-3451	211	23	ave	ave	PROPN
fsr-3451	211	24	is	be	AUX
fsr-3451	211	25	above	above	ADP
fsr-3451	211	26	0.5	0.5	NUM
fsr-3451	211	27	and	and	CCONJ
fsr-3451	211	28	that	that	SCONJ
fsr-3451	211	29	all	all	DET
fsr-3451	211	30	standardized	standardized	ADJ
fsr-3451	211	31	factor	factor	NOUN
fsr-3451	211	32	loadings	loading	NOUN
fsr-3451	211	33	exceed	exceed	VERB
fsr-3451	211	34	0.6	0.6	NUM
fsr-3451	211	35	(	(	PUNCT
fsr-3451	211	36	cf	cf	NOUN
fsr-3451	211	37	.	.	PUNCT
fsr-3451	212	1	hair	hair	NOUN
fsr-3451	212	2	et	et	PROPN
fsr-3451	212	3	al	al	PROPN
fsr-3451	212	4	.	.	PROPN
fsr-3451	212	5	,	,	PUNCT
fsr-3451	212	6	2014	2014	NUM
fsr-3451	212	7	)	)	PUNCT
fsr-3451	212	8	.	.	PUNCT
fsr-3451	213	1	all	all	DET
fsr-3451	213	2	the	the	DET
fsr-3451	213	3	t	t	NOUN
fsr-3451	213	4	-	-	PUNCT
fsr-3451	213	5	values	value	NOUN
fsr-3451	213	6	are	be	AUX
fsr-3451	213	7	significant	significant	ADJ
fsr-3451	213	8	.	.	PUNCT
fsr-3451	214	1	to	to	PART
fsr-3451	214	2	assess	assess	VERB
fsr-3451	214	3	discriminant	discriminant	ADJ
fsr-3451	214	4	validity	validity	NOUN
fsr-3451	214	5	,	,	PUNCT
fsr-3451	214	6	a	a	DET
fsr-3451	214	7	confidence	confidence	NOUN
fsr-3451	214	8	interval	interval	NOUN
fsr-3451	214	9	of	of	ADP
fsr-3451	214	10	62	62	NUM
fsr-3451	214	11	standard	standard	ADJ
fsr-3451	214	12	errors	error	NOUN
fsr-3451	214	13	around	around	ADP
fsr-3451	214	14	the	the	DET
fsr-3451	214	15	standardized	standardized	ADJ
fsr-3451	214	16	correlations	correlation	NOUN
fsr-3451	214	17	between	between	ADP
fsr-3451	214	18	latent	latent	NOUN
fsr-3451	214	19	variables	variable	NOUN
fsr-3451	214	20	was	be	AUX
fsr-3451	214	21	calculated	calculate	VERB
fsr-3451	214	22	based	base	VERB
fsr-3451	214	23	on	on	ADP
fsr-3451	214	24	lisrel	lisrel	NOUN
fsr-3451	214	25	output	output	NOUN
fsr-3451	214	26	(	(	PUNCT
fsr-3451	214	27	cf	cf	NOUN
fsr-3451	214	28	.	.	PUNCT
fsr-3451	215	1	hansen	hansen	PROPN
fsr-3451	215	2	,	,	PUNCT
fsr-3451	215	3	samuelsen	samuelsen	PROPN
fsr-3451	215	4	,	,	PUNCT
fsr-3451	215	5	&	&	CCONJ
fsr-3451	215	6	sallis	sallis	PROPN
fsr-3451	215	7	,	,	PUNCT
fsr-3451	215	8	2013	2013	NUM
fsr-3451	215	9	)	)	PUNCT
fsr-3451	215	10	.	.	PUNCT
fsr-3451	216	1	the	the	DET
fsr-3451	216	2	calculations	calculation	NOUN
fsr-3451	216	3	indicated	indicate	VERB
fsr-3451	216	4	that	that	SCONJ
fsr-3451	216	5	the	the	DET
fsr-3451	216	6	confidence	confidence	NOUN
fsr-3451	216	7	interval	interval	NOUN
fsr-3451	216	8	was	be	AUX
fsr-3451	216	9	within	within	ADP
fsr-3451	216	10	the	the	DET
fsr-3451	216	11	acceptable	acceptable	ADJ
fsr-3451	216	12	range	range	NOUN
fsr-3451	216	13	,	,	PUNCT
fsr-3451	216	14	that	that	ADV
fsr-3451	216	15	is	is	ADV
fsr-3451	216	16	,	,	PUNCT
fsr-3451	216	17	not	not	PART
fsr-3451	216	18	more	more	ADJ
fsr-3451	216	19	than	than	ADP
fsr-3451	216	20	1	1	NUM
fsr-3451	216	21	or	or	CCONJ
fsr-3451	216	22	less	less	ADJ
fsr-3451	216	23	than	than	ADP
fsr-3451	216	24	–	–	PUNCT
fsr-3451	216	25	1	1	NUM
fsr-3451	216	26	.	.	PUNCT
fsr-3451	217	1	the	the	DET
fsr-3451	217	2	measurement	measurement	NOUN
fsr-3451	217	3	purification	purification	NOUN
fsr-3451	217	4	was	be	AUX
fsr-3451	217	5	confirmed	confirm	VERB
fsr-3451	217	6	by	by	ADP
fsr-3451	217	7	the	the	DET
fsr-3451	217	8	good	good	ADJ
fsr-3451	217	9	results	result	NOUN
fsr-3451	217	10	of	of	ADP
fsr-3451	217	11	assessing	assess	VERB
fsr-3451	217	12	the	the	DET
fsr-3451	217	13	goodness	goodness	NOUN
fsr-3451	217	14	of	of	ADP
fsr-3451	217	15	fit	fit	ADJ
fsr-3451	217	16	(	(	PUNCT
fsr-3451	217	17	cf	cf	NOUN
fsr-3451	217	18	.	.	PUNCT
fsr-3451	218	1	jöreskog	jöreskog	PROPN
fsr-3451	218	2	et	et	PROPN
fsr-3451	218	3	al	al	PROPN
fsr-3451	218	4	.	.	PROPN
fsr-3451	218	5	,	,	PUNCT
fsr-3451	218	6	2016	2016	NUM
fsr-3451	218	7	)	)	PUNCT
fsr-3451	218	8	and	and	CCONJ
fsr-3451	218	9	by	by	ADP
fsr-3451	218	10	the	the	DET
fsr-3451	218	11	reliability	reliability	NOUN
fsr-3451	218	12	and	and	CCONJ
fsr-3451	218	13	validity	validity	NOUN
fsr-3451	218	14	of	of	ADP
fsr-3451	218	15	the	the	DET
fsr-3451	218	16	variables	variable	NOUN
fsr-3451	218	17	(	(	PUNCT
fsr-3451	218	18	cf	cf	NOUN
fsr-3451	218	19	.	.	PUNCT
fsr-3451	219	1	fornell	fornell	PROPN
fsr-3451	219	2	&	&	CCONJ
fsr-3451	219	3	larcker	larcker	PROPN
fsr-3451	219	4	,	,	PUNCT
fsr-3451	219	5	1981	1981	NUM
fsr-3451	219	6	)	)	PUNCT
fsr-3451	219	7	.	.	PUNCT
fsr-3451	220	1	overall	overall	ADV
fsr-3451	220	2	,	,	PUNCT
fsr-3451	220	3	it	it	PRON
fsr-3451	220	4	can	can	AUX
fsr-3451	220	5	be	be	AUX
fsr-3451	220	6	assumed	assume	VERB
fsr-3451	220	7	that	that	SCONJ
fsr-3451	220	8	the	the	DET
fsr-3451	220	9	reliability	reliability	NOUN
fsr-3451	220	10	(	(	PUNCT
fsr-3451	220	11	cf	cf	NOUN
fsr-3451	220	12	.	.	PUNCT
fsr-3451	220	13	bagozzi	bagozzi	PROPN
fsr-3451	220	14	&	&	CCONJ
fsr-3451	220	15	yi	yi	PROPN
fsr-3451	220	16	,	,	PUNCT
fsr-3451	220	17	1988	1988	NUM
fsr-3451	220	18	;	;	PUNCT
fsr-3451	220	19	hair	hair	NOUN
fsr-3451	220	20	et	et	PROPN
fsr-3451	220	21	al	al	PROPN
fsr-3451	220	22	.	.	PROPN
fsr-3451	220	23	,	,	PUNCT
fsr-3451	220	24	2014	2014	NUM
fsr-3451	220	25	)	)	PUNCT
fsr-3451	220	26	,	,	PUNCT
fsr-3451	220	27	convergent	convergent	NOUN
fsr-3451	220	28	validity	validity	NOUN
fsr-3451	220	29	,	,	PUNCT
fsr-3451	220	30	and	and	CCONJ
fsr-3451	220	31	discriminant	discriminant	ADJ
fsr-3451	220	32	validity	validity	NOUN
fsr-3451	220	33	are	be	AUX
fsr-3451	220	34	good	good	ADJ
fsr-3451	221	1	(	(	PUNCT
fsr-3451	221	2	cf	cf	NOUN
fsr-3451	221	3	.	.	PUNCT
fsr-3451	221	4	fornell	fornell	PROPN
fsr-3451	221	5	&	&	CCONJ
fsr-3451	221	6	larcker	larcker	PROPN
fsr-3451	221	7	,	,	PUNCT
fsr-3451	221	8	1981	1981	NUM
fsr-3451	221	9	)	)	PUNCT
fsr-3451	221	10	.	.	PUNCT
fsr-3451	222	1	4.4	4.4	NUM
fsr-3451	222	2	.	.	PUNCT
fsr-3451	223	1	testing	test	VERB
fsr-3451	223	2	the	the	DET
fsr-3451	223	3	research	research	NOUN
fsr-3451	223	4	model	model	NOUN
fsr-3451	223	5	sem	sem	PROPN
fsr-3451	223	6	was	be	AUX
fsr-3451	223	7	performed	perform	VERB
fsr-3451	223	8	using	use	VERB
fsr-3451	223	9	lisrel	lisrel	NOUN
fsr-3451	223	10	9.30	9.30	NUM
fsr-3451	223	11	(	(	PUNCT
fsr-3451	223	12	using	use	VERB
fsr-3451	223	13	maximum	maximum	ADJ
fsr-3451	223	14	likelihood	likelihood	NOUN
fsr-3451	223	15	and	and	CCONJ
fsr-3451	223	16	covariance	covariance	NOUN
fsr-3451	223	17	matrices	matrix	NOUN
fsr-3451	223	18	)	)	PUNCT
fsr-3451	223	19	to	to	PART
fsr-3451	223	20	test	test	VERB
fsr-3451	223	21	whether	whether	SCONJ
fsr-3451	223	22	the	the	DET
fsr-3451	223	23	empirical	empirical	ADJ
fsr-3451	223	24	data	datum	NOUN
fsr-3451	223	25	support	support	VERB
fsr-3451	223	26	the	the	DET
fsr-3451	223	27	research	research	NOUN
fsr-3451	223	28	model	model	NOUN
fsr-3451	223	29	.	.	PUNCT
fsr-3451	224	1	all	all	DET
fsr-3451	224	2	fit	fit	ADJ
fsr-3451	224	3	indices	index	NOUN
fsr-3451	224	4	correspond	correspond	VERB
fsr-3451	224	5	to	to	ADP
fsr-3451	224	6	the	the	DET
fsr-3451	224	7	recommended	recommend	VERB
fsr-3451	224	8	values	value	NOUN
fsr-3451	224	9	(	(	PUNCT
fsr-3451	224	10	cf	cf	NOUN
fsr-3451	224	11	.	.	PUNCT
fsr-3451	225	1	jöreskog	jöreskog	PROPN
fsr-3451	225	2	et	et	PROPN
fsr-3451	225	3	al	al	PROPN
fsr-3451	225	4	.	.	PROPN
fsr-3451	225	5	,	,	PUNCT
fsr-3451	225	6	2016	2016	NUM
fsr-3451	225	7	)	)	PUNCT
fsr-3451	225	8	.	.	PUNCT
fsr-3451	226	1	the	the	DET
fsr-3451	226	2	calculations	calculation	NOUN
fsr-3451	226	3	indicate	indicate	VERB
fsr-3451	226	4	that	that	SCONJ
fsr-3451	226	5	there	there	PRON
fsr-3451	226	6	are	be	VERB
fsr-3451	226	7	five	five	NUM
fsr-3451	226	8	significant	significant	ADJ
fsr-3451	226	9	relationships	relationship	NOUN
fsr-3451	226	10	(	(	PUNCT
fsr-3451	226	11	p	p	X
fsr-3451	226	12	<	<	X
fsr-3451	226	13	.01	.01	NUM
fsr-3451	226	14	)	)	PUNCT
fsr-3451	226	15	,	,	PUNCT
fsr-3451	226	16	while	while	SCONJ
fsr-3451	226	17	three	three	NUM
fsr-3451	226	18	hypotheses	hypothesis	NOUN
fsr-3451	226	19	are	be	AUX
fsr-3451	226	20	not	not	PART
fsr-3451	226	21	supported	support	VERB
fsr-3451	226	22	.	.	PUNCT
fsr-3451	227	1	table	table	NOUN
fsr-3451	227	2	1	1	NUM
fsr-3451	227	3	the	the	DET
fsr-3451	227	4	fit	fit	ADJ
fsr-3451	227	5	indices	index	NOUN
fsr-3451	227	6	of	of	ADP
fsr-3451	227	7	the	the	DET
fsr-3451	227	8	measurement	measurement	NOUN
fsr-3451	227	9	model	model	PROPN
fsr-3451	227	10	fit	fit	PROPN
fsr-3451	227	11	indices	index	NOUN
fsr-3451	227	12	result	result	VERB
fsr-3451	227	13	x2	x2	PROPN
fsr-3451	227	14	/	/	SYM
fsr-3451	227	15	df	df	PROPN
fsr-3451	227	16	1.25	1.25	NUM
fsr-3451	227	17	root	root	NOUN
fsr-3451	227	18	mean	mean	NOUN
fsr-3451	227	19	square	square	ADJ
fsr-3451	227	20	error	error	NOUN
fsr-3451	227	21	of	of	ADP
fsr-3451	227	22	approximation	approximation	NOUN
fsr-3451	227	23	(	(	PUNCT
fsr-3451	227	24	rmsea	rmsea	NOUN
fsr-3451	227	25	)	)	PUNCT
fsr-3451	227	26	0.042	0.042	NUM
fsr-3451	227	27	goodness	goodness	NOUN
fsr-3451	227	28	of	of	ADP
fsr-3451	227	29	fit	fit	ADJ
fsr-3451	227	30	index	index	NOUN
fsr-3451	227	31	(	(	PUNCT
fsr-3451	227	32	gfi	gfi	PROPN
fsr-3451	227	33	)	)	PUNCT
fsr-3451	227	34	0.942	0.942	NUM
fsr-3451	227	35	normed	norme	VERB
fsr-3451	227	36	fit	fit	ADJ
fsr-3451	227	37	index	index	NOUN
fsr-3451	227	38	(	(	PUNCT
fsr-3451	227	39	nfi	nfi	PROPN
fsr-3451	227	40	)	)	PUNCT
fsr-3451	227	41	0.943	0.943	NUM
fsr-3451	227	42	non	non	ADJ
fsr-3451	227	43	-	-	ADJ
fsr-3451	227	44	normed	normed	ADJ
fsr-3451	227	45	fit	fit	ADJ
fsr-3451	227	46	index	index	NOUN
fsr-3451	227	47	(	(	PUNCT
fsr-3451	227	48	nnfi	nnfi	ADJ
fsr-3451	227	49	)	)	PUNCT
fsr-3451	227	50	0.978	0.978	NUM
fsr-3451	227	51	comparative	comparative	ADJ
fsr-3451	227	52	fit	fit	ADJ
fsr-3451	227	53	index	index	NOUN
fsr-3451	227	54	(	(	PUNCT
fsr-3451	227	55	cfi	cfi	PROPN
fsr-3451	227	56	)	)	PUNCT
fsr-3451	227	57	0.986	0.986	NUM
fsr-3451	227	58	m.	m.	NOUN
fsr-3451	227	59	nourallah	nourallah	PROPN
fsr-3451	227	60	et	et	PROPN
fsr-3451	227	61	al	al	PROPN
fsr-3451	227	62	.	.	PUNCT
fsr-3451	227	63	/	/	SYM
fsr-3451	227	64	financial	financial	ADJ
fsr-3451	227	65	services	service	NOUN
fsr-3451	227	66	review	review	VERB
fsr-3451	227	67	29	29	NUM
fsr-3451	227	68	(	(	PUNCT
fsr-3451	227	69	2021	2021	NUM
fsr-3451	227	70	)	)	PUNCT
fsr-3451	228	1	147–167	147–167	NUM
fsr-3451	228	2	157	157	NUM
fsr-3451	228	3	table	table	NOUN
fsr-3451	228	4	3	3	NUM
fsr-3451	228	5	presents	present	VERB
fsr-3451	228	6	the	the	DET
fsr-3451	228	7	standardized	standardized	ADJ
fsr-3451	228	8	loadings	loading	NOUN
fsr-3451	228	9	,	,	PUNCT
fsr-3451	228	10	t	t	NOUN
fsr-3451	228	11	-	-	PUNCT
fsr-3451	228	12	values	value	NOUN
fsr-3451	228	13	,	,	PUNCT
fsr-3451	228	14	hypothesis	hypothesis	NOUN
fsr-3451	228	15	outcomes	outcome	NOUN
fsr-3451	228	16	,	,	PUNCT
fsr-3451	228	17	and	and	CCONJ
fsr-3451	228	18	fit	fit	ADJ
fsr-3451	228	19	indices	index	NOUN
fsr-3451	228	20	of	of	ADP
fsr-3451	228	21	the	the	DET
fsr-3451	228	22	model	model	NOUN
fsr-3451	228	23	.	.	PUNCT
fsr-3451	229	1	the	the	DET
fsr-3451	229	2	structural	structural	ADJ
fsr-3451	229	3	model	model	NOUN
fsr-3451	229	4	shows	show	VERB
fsr-3451	229	5	that	that	SCONJ
fsr-3451	229	6	usability	usability	NOUN
fsr-3451	229	7	is	be	AUX
fsr-3451	229	8	directly	directly	ADV
fsr-3451	229	9	related	relate	VERB
fsr-3451	229	10	to	to	ADP
fsr-3451	229	11	responsiveness	responsiveness	NOUN
fsr-3451	229	12	(	(	PUNCT
fsr-3451	229	13	in	in	ADP
fsr-3451	229	14	line	line	NOUN
fsr-3451	229	15	with	with	ADP
fsr-3451	229	16	h1	h1	PROPN
fsr-3451	229	17	)	)	PUNCT
fsr-3451	229	18	and	and	CCONJ
fsr-3451	229	19	customer	customer	NOUN
fsr-3451	229	20	satisfaction	satisfaction	NOUN
fsr-3451	229	21	(	(	PUNCT
fsr-3451	229	22	in	in	ADP
fsr-3451	229	23	line	line	NOUN
fsr-3451	229	24	with	with	ADP
fsr-3451	229	25	h2	h2	NOUN
fsr-3451	229	26	)	)	PUNCT
fsr-3451	229	27	,	,	PUNCT
fsr-3451	229	28	and	and	CCONJ
fsr-3451	229	29	that	that	DET
fsr-3451	229	30	responsiveness	responsiveness	NOUN
fsr-3451	229	31	and	and	CCONJ
fsr-3451	229	32	customer	customer	NOUN
fsr-3451	229	33	satisfaction	satisfaction	NOUN
fsr-3451	229	34	are	be	AUX
fsr-3451	229	35	directly	directly	ADV
fsr-3451	229	36	related	relate	VERB
fsr-3451	229	37	to	to	ADP
fsr-3451	229	38	loyalty	loyalty	NOUN
fsr-3451	229	39	(	(	PUNCT
fsr-3451	229	40	in	in	ADP
fsr-3451	229	41	line	line	NOUN
fsr-3451	229	42	with	with	ADP
fsr-3451	229	43	h6	h6	PROPN
fsr-3451	229	44	and	and	CCONJ
fsr-3451	229	45	h7	h7	PROPN
fsr-3451	229	46	,	,	PUNCT
fsr-3451	229	47	respectively	respectively	ADV
fsr-3451	229	48	)	)	PUNCT
fsr-3451	229	49	.	.	PUNCT
fsr-3451	230	1	in	in	ADP
fsr-3451	230	2	this	this	DET
fsr-3451	230	3	sense	sense	NOUN
fsr-3451	230	4	,	,	PUNCT
fsr-3451	230	5	an	an	DET
fsr-3451	230	6	indirect	indirect	ADJ
fsr-3451	230	7	relationship	relationship	NOUN
fsr-3451	230	8	appears	appear	VERB
fsr-3451	230	9	between	between	ADP
fsr-3451	230	10	usability	usability	NOUN
fsr-3451	230	11	and	and	CCONJ
fsr-3451	230	12	loyalty	loyalty	NOUN
fsr-3451	230	13	(	(	PUNCT
fsr-3451	230	14	see	see	VERB
fsr-3451	230	15	fig	fig	NOUN
fsr-3451	230	16	.	.	PUNCT
fsr-3451	231	1	3	3	NUM
fsr-3451	231	2	)	)	PUNCT
fsr-3451	231	3	.	.	PUNCT
fsr-3451	232	1	it	it	PRON
fsr-3451	232	2	should	should	AUX
fsr-3451	232	3	be	be	AUX
fsr-3451	232	4	mentioned	mention	VERB
fsr-3451	232	5	that	that	SCONJ
fsr-3451	232	6	there	there	PRON
fsr-3451	232	7	is	be	VERB
fsr-3451	232	8	a	a	DET
fsr-3451	232	9	direct	direct	ADJ
fsr-3451	232	10	relationship	relationship	NOUN
fsr-3451	232	11	between	between	ADP
fsr-3451	232	12	usability	usability	NOUN
fsr-3451	232	13	and	and	CCONJ
fsr-3451	232	14	reliability	reliability	NOUN
fsr-3451	232	15	(	(	PUNCT
fsr-3451	232	16	in	in	ADP
fsr-3451	232	17	line	line	NOUN
fsr-3451	232	18	with	with	ADP
fsr-3451	232	19	h3	h3	NOUN
fsr-3451	232	20	)	)	PUNCT
fsr-3451	232	21	,	,	PUNCT
fsr-3451	232	22	but	but	CCONJ
fsr-3451	232	23	not	not	PART
fsr-3451	232	24	between	between	ADP
fsr-3451	232	25	reliability	reliability	NOUN
fsr-3451	232	26	and	and	CCONJ
fsr-3451	232	27	loyalty	loyalty	NOUN
fsr-3451	232	28	(	(	PUNCT
fsr-3451	232	29	in	in	ADP
fsr-3451	232	30	contrast	contrast	NOUN
fsr-3451	232	31	to	to	ADP
fsr-3451	232	32	h8	h8	PROPN
fsr-3451	232	33	)	)	PUNCT
fsr-3451	232	34	.	.	PUNCT
fsr-3451	233	1	in	in	ADP
fsr-3451	233	2	contrast	contrast	NOUN
fsr-3451	233	3	to	to	ADP
fsr-3451	233	4	h4	h4	NOUN
fsr-3451	233	5	,	,	PUNCT
fsr-3451	233	6	there	there	PRON
fsr-3451	233	7	is	be	VERB
fsr-3451	233	8	no	no	DET
fsr-3451	233	9	relationship	relationship	NOUN
fsr-3451	233	10	between	between	ADP
fsr-3451	233	11	responsiveness	responsiveness	NOUN
fsr-3451	233	12	and	and	CCONJ
fsr-3451	233	13	customer	customer	NOUN
fsr-3451	233	14	satisfaction	satisfaction	NOUN
fsr-3451	233	15	,	,	PUNCT
fsr-3451	233	16	and	and	CCONJ
fsr-3451	233	17	in	in	ADP
fsr-3451	233	18	contrast	contrast	NOUN
fsr-3451	233	19	to	to	ADP
fsr-3451	233	20	h5	h5	NOUN
fsr-3451	233	21	,	,	PUNCT
fsr-3451	233	22	there	there	PRON
fsr-3451	233	23	is	be	VERB
fsr-3451	233	24	no	no	DET
fsr-3451	233	25	relationship	relationship	NOUN
fsr-3451	233	26	between	between	ADP
fsr-3451	233	27	reliability	reliability	NOUN
fsr-3451	233	28	and	and	CCONJ
fsr-3451	233	29	customer	customer	NOUN
fsr-3451	233	30	satisfaction	satisfaction	NOUN
fsr-3451	233	31	.	.	PUNCT
fsr-3451	234	1	table	table	NOUN
fsr-3451	234	2	2	2	NUM
fsr-3451	234	3	standardized	standardized	ADJ
fsr-3451	234	4	factor	factor	NOUN
fsr-3451	234	5	loading	loading	NOUN
fsr-3451	234	6	,	,	PUNCT
fsr-3451	234	7	t	t	NOUN
fsr-3451	234	8	-	-	PUNCT
fsr-3451	234	9	value	value	NOUN
fsr-3451	234	10	,	,	PUNCT
fsr-3451	234	11	smc	smc	PROPN
fsr-3451	234	12	,	,	PUNCT
fsr-3451	234	13	ave	ave	PROPN
fsr-3451	234	14	,	,	PUNCT
fsr-3451	234	15	and	and	CCONJ
fsr-3451	234	16	cr	cr	NOUN
fsr-3451	234	17	for	for	ADP
fsr-3451	234	18	the	the	DET
fsr-3451	234	19	measurement	measurement	NOUN
fsr-3451	234	20	model	model	NOUN
fsr-3451	234	21	latent	latent	PROPN
fsr-3451	234	22	variables	variable	NOUN
fsr-3451	234	23	observed	observe	VERB
fsr-3451	234	24	variables	variable	NOUN
fsr-3451	234	25	standardized	standardized	ADJ
fsr-3451	234	26	factor	factor	NOUN
fsr-3451	234	27	loading	loading	NOUN
fsr-3451	234	28	tvalue	tvalue	NOUN
fsr-3451	234	29	smc	smc	PROPN
fsr-3451	234	30	ave	ave	PROPN
fsr-3451	234	31	cr	cr	PROPN
fsr-3451	234	32	usability	usability	PROPN
fsr-3451	234	33	usa	usa	PROPN
fsr-3451	234	34	1	1	NUM
fsr-3451	234	35	0.69	0.69	NUM
fsr-3451	234	36	9.09	9.09	NUM
fsr-3451	234	37	0.48	0.48	NUM
fsr-3451	234	38	0.64	0.64	NUM
fsr-3451	234	39	0.84	0.84	NUM
fsr-3451	234	40	usa	usa	PROPN
fsr-3451	234	41	2	2	NUM
fsr-3451	234	42	0.88	0.88	NUM
fsr-3451	234	43	12.84	12.84	NUM
fsr-3451	234	44	0.78	0.78	NUM
fsr-3451	234	45	usa	usa	PROPN
fsr-3451	234	46	3	3	NUM
fsr-3451	234	47	0.82	0.82	NUM
fsr-3451	234	48	11.54	11.54	NUM
fsr-3451	234	49	0.68	0.68	NUM
fsr-3451	234	50	responsiveness	responsiveness	NOUN
fsr-3451	234	51	res	re	VERB
fsr-3451	234	52	1	1	NUM
fsr-3451	234	53	0.66	0.66	NUM
fsr-3451	234	54	8.20	8.20	NUM
fsr-3451	234	55	0.44	0.44	NUM
fsr-3451	234	56	0.74	0.74	NUM
fsr-3451	234	57	0.85	0.85	NUM
fsr-3451	234	58	res	re	NOUN
fsr-3451	234	59	2	2	NUM
fsr-3451	234	60	0.74	0.74	NUM
fsr-3451	234	61	9.43	9.43	NUM
fsr-3451	234	62	0.55	0.55	NUM
fsr-3451	234	63	res	re	NOUN
fsr-3451	234	64	3	3	NUM
fsr-3451	234	65	0.78	0.78	NUM
fsr-3451	234	66	10.15	10.15	NUM
fsr-3451	234	67	0.62	0.62	NUM
fsr-3451	234	68	customer	customer	NOUN
fsr-3451	234	69	satisfaction	satisfaction	NOUN
fsr-3451	234	70	sat	sit	VERB
fsr-3451	234	71	1	1	NUM
fsr-3451	234	72	0.84	0.84	NUM
fsr-3451	234	73	11.14	11.14	NUM
fsr-3451	234	74	0.72	0.72	NUM
fsr-3451	234	75	0.69	0.69	NUM
fsr-3451	234	76	0.82	0.82	NUM
fsr-3451	234	77	sat	sit	VERB
fsr-3451	234	78	2	2	NUM
fsr-3451	234	79	0.82	0.82	NUM
fsr-3451	234	80	10.68	10.68	NUM
fsr-3451	234	81	0.63	0.63	NUM
fsr-3451	234	82	reliability	reliability	NOUN
fsr-3451	234	83	rel	rel	NOUN
fsr-3451	234	84	1	1	NUM
fsr-3451	234	85	0.92	0.92	NUM
fsr-3451	234	86	11.47	11.47	NUM
fsr-3451	234	87	0.84	0.84	NUM
fsr-3451	234	88	0.53	0.53	NUM
fsr-3451	234	89	0.77	0.77	NUM
fsr-3451	234	90	rel	rel	NOUN
fsr-3451	234	91	2	2	NUM
fsr-3451	234	92	0.80	0.80	NUM
fsr-3451	234	93	9.89	9.89	NUM
fsr-3451	234	94	0.64	0.64	NUM
fsr-3451	234	95	loyalty	loyalty	NOUN
fsr-3451	234	96	loy	loy	NOUN
fsr-3451	234	97	1	1	NUM
fsr-3451	234	98	0.72	0.72	NUM
fsr-3451	234	99	8.22	8.22	NUM
fsr-3451	234	100	0.51	0.51	NUM
fsr-3451	234	101	0.52	0.52	NUM
fsr-3451	234	102	0.68	0.68	NUM
fsr-3451	234	103	loy	loy	NOUN
fsr-3451	234	104	2	2	NUM
fsr-3451	234	105	0.72	0.72	NUM
fsr-3451	234	106	8.26	8.26	NUM
fsr-3451	234	107	0.53	0.53	NUM
fsr-3451	234	108	note	note	NOUN
fsr-3451	234	109	:	:	PUNCT
fsr-3451	235	1	smc	smc	PROPN
fsr-3451	235	2	=	=	NOUN
fsr-3451	235	3	squared	square	VERB
fsr-3451	235	4	multiple	multiple	ADJ
fsr-3451	235	5	correlations	correlation	NOUN
fsr-3451	235	6	;	;	PUNCT
fsr-3451	235	7	ave	ave	NOUN
fsr-3451	235	8	=	=	SYM
fsr-3451	235	9	average	average	ADJ
fsr-3451	235	10	variance	variance	NOUN
fsr-3451	235	11	extended	extend	VERB
fsr-3451	235	12	;	;	PUNCT
fsr-3451	235	13	cr	cr	NOUN
fsr-3451	235	14	=	=	PUNCT
fsr-3451	235	15	composite	composite	ADJ
fsr-3451	235	16	reliability	reliability	NOUN
fsr-3451	235	17	.	.	PUNCT
fsr-3451	236	1	table	table	NOUN
fsr-3451	236	2	3	3	NUM
fsr-3451	236	3	structural	structural	ADJ
fsr-3451	236	4	model	model	NOUN
fsr-3451	236	5	results	result	NOUN
fsr-3451	236	6	hypothesis	hypothesis	NOUN
fsr-3451	236	7	standardized	standardize	VERB
fsr-3451	236	8	loading	loading	NOUN
fsr-3451	236	9	t	t	PROPN
fsr-3451	236	10	-	-	PUNCT
fsr-3451	236	11	value	value	NOUN
fsr-3451	236	12	outcome	outcome	NOUN
fsr-3451	236	13	h1	h1	NOUN
fsr-3451	236	14	usability	usability	NOUN
fsr-3451	236	15	!	!	PUNCT
fsr-3451	237	1	responsiveness	responsiveness	NOUN
fsr-3451	237	2	0.70	0.70	NUM
fsr-3451	237	3	6.26	6.26	NUM
fsr-3451	237	4	*	*	NUM
fsr-3451	237	5	supported	support	VERB
fsr-3451	237	6	h2	h2	NOUN
fsr-3451	237	7	usability	usability	NOUN
fsr-3451	237	8	!	!	PUNCT
fsr-3451	238	1	customer	customer	NOUN
fsr-3451	238	2	satisfaction	satisfaction	NOUN
fsr-3451	238	3	0.49	0.49	NUM
fsr-3451	238	4	3.22	3.22	NUM
fsr-3451	238	5	*	*	NUM
fsr-3451	238	6	supported	support	VERB
fsr-3451	238	7	h3	h3	NOUN
fsr-3451	238	8	usability	usability	NOUN
fsr-3451	238	9	!	!	PUNCT
fsr-3451	239	1	reliability	reliability	NOUN
fsr-3451	239	2	0.58	0.58	NUM
fsr-3451	239	3	6.49	6.49	NUM
fsr-3451	239	4	*	*	PUNCT
fsr-3451	239	5	supported	support	VERB
fsr-3451	239	6	h4	h4	PROPN
fsr-3451	239	7	responsiveness	responsiveness	NOUN
fsr-3451	239	8	!	!	PUNCT
fsr-3451	240	1	customer	customer	NOUN
fsr-3451	240	2	satisfaction	satisfaction	NOUN
fsr-3451	240	3	0.13	0.13	NUM
fsr-3451	240	4	0.98	0.98	NUM
fsr-3451	240	5	not	not	PART
fsr-3451	240	6	supported	support	VERB
fsr-3451	240	7	h5	h5	NOUN
fsr-3451	240	8	reliability	reliability	NOUN
fsr-3451	240	9	!	!	PUNCT
fsr-3451	241	1	customer	customer	NOUN
fsr-3451	241	2	satisfaction	satisfaction	NOUN
fsr-3451	241	3	0.16	0.16	NUM
fsr-3451	241	4	1.57	1.57	NUM
fsr-3451	241	5	not	not	PART
fsr-3451	241	6	supported	support	VERB
fsr-3451	241	7	h6	h6	PROPN
fsr-3451	241	8	responsiveness	responsiveness	NOUN
fsr-3451	241	9	!	!	PUNCT
fsr-3451	242	1	loyalty	loyalty	NOUN
fsr-3451	242	2	0.44	0.44	NUM
fsr-3451	242	3	3.27	3.27	NUM
fsr-3451	242	4	*	*	PUNCT
fsr-3451	242	5	supported	support	VERB
fsr-3451	242	6	h7	h7	PROPN
fsr-3451	242	7	customer	customer	NOUN
fsr-3451	242	8	satisfaction	satisfaction	NOUN
fsr-3451	242	9	!	!	PUNCT
fsr-3451	243	1	loyalty	loyalty	NOUN
fsr-3451	243	2	0.37	0.37	NUM
fsr-3451	243	3	2.77	2.77	NUM
fsr-3451	243	4	*	*	PUNCT
fsr-3451	243	5	supported	support	VERB
fsr-3451	243	6	h8	h8	NOUN
fsr-3451	243	7	reliability	reliability	NOUN
fsr-3451	243	8	!	!	PUNCT
fsr-3451	244	1	loyalty	loyalty	NOUN
fsr-3451	244	2	0.37	0.37	NUM
fsr-3451	244	3	0.28	0.28	NUM
fsr-3451	244	4	not	not	PART
fsr-3451	244	5	supported	support	VERB
fsr-3451	244	6	x2	x2	PROPN
fsr-3451	244	7	/	/	SYM
fsr-3451	244	8	df	df	PROPN
fsr-3451	244	9	=	=	SYM
fsr-3451	244	10	1.21	1.21	NUM
fsr-3451	244	11	,	,	PUNCT
fsr-3451	244	12	rmsea=	rmsea=	NUM
fsr-3451	244	13	0.038	0.038	NUM
fsr-3451	244	14	,	,	PUNCT
fsr-3451	244	15	p=	p=	PROPN
fsr-3451	244	16	.15	.15	NUM
fsr-3451	244	17	,	,	PUNCT
fsr-3451	244	18	gfi	gfi	PROPN
fsr-3451	244	19	=	=	PROPN
fsr-3451	244	20	0.942	0.942	NUM
fsr-3451	244	21	,	,	PUNCT
fsr-3451	244	22	nfi	nfi	NOUN
fsr-3451	244	23	=	=	PROPN
fsr-3451	244	24	0.933	0.933	NUM
fsr-3451	244	25	,	,	PUNCT
fsr-3451	244	26	nnfi	nnfi	ADJ
fsr-3451	244	27	=	=	SYM
fsr-3451	244	28	0.982	0.982	NUM
fsr-3451	244	29	,	,	PUNCT
fsr-3451	244	30	cfi	cfi	X
fsr-3451	244	31	=	=	NOUN
fsr-3451	244	32	0.987	0.987	NUM
fsr-3451	244	33	note	note	NOUN
fsr-3451	244	34	:	:	PUNCT
fsr-3451	244	35	rmsea	rmsea	NOUN
fsr-3451	244	36	=	=	NOUN
fsr-3451	244	37	root	root	NOUN
fsr-3451	244	38	mean	mean	VERB
fsr-3451	244	39	square	square	ADJ
fsr-3451	244	40	error	error	NOUN
fsr-3451	244	41	of	of	ADP
fsr-3451	244	42	approximation	approximation	NOUN
fsr-3451	244	43	;	;	PUNCT
fsr-3451	244	44	gfi	gfi	PROPN
fsr-3451	244	45	=	=	PUNCT
fsr-3451	244	46	goodness	goodness	PROPN
fsr-3451	244	47	of	of	ADP
fsr-3451	244	48	fit	fit	ADJ
fsr-3451	244	49	index	index	NOUN
fsr-3451	244	50	;	;	PUNCT
fsr-3451	244	51	nfi	nfi	PROPN
fsr-3451	244	52	=	=	PROPN
fsr-3451	244	53	normed	norme	VERB
fsr-3451	244	54	fit	fit	ADJ
fsr-3451	244	55	index	index	NOUN
fsr-3451	244	56	;	;	PUNCT
fsr-3451	244	57	nnfi	nnfi	ADJ
fsr-3451	244	58	=	=	SYM
fsr-3451	244	59	non	non	ADJ
fsr-3451	244	60	-	-	ADJ
fsr-3451	244	61	normed	norme	VERB
fsr-3451	244	62	fit	fit	ADJ
fsr-3451	244	63	index	index	NOUN
fsr-3451	244	64	;	;	PUNCT
fsr-3451	244	65	cfi	cfi	NOUN
fsr-3451	244	66	=	=	SYM
fsr-3451	244	67	comparative	comparative	ADJ
fsr-3451	244	68	fit	fit	ADJ
fsr-3451	244	69	index	index	NOUN
fsr-3451	244	70	.	.	PUNCT
fsr-3451	245	1	*	*	PUNCT
fsr-3451	245	2	p	p	NOUN
fsr-3451	245	3	-	-	PUNCT
fsr-3451	245	4	value	value	NOUN
fsr-3451	245	5	<	<	X
fsr-3451	245	6	0.01	0.01	NUM
fsr-3451	245	7	.	.	PUNCT
fsr-3451	246	1	158	158	NUM
fsr-3451	246	2	m.	m.	NOUN
fsr-3451	246	3	nourallah	nourallah	PROPN
fsr-3451	246	4	et	et	PROPN
fsr-3451	246	5	al	al	PROPN
fsr-3451	246	6	.	.	PUNCT
fsr-3451	246	7	/	/	SYM
fsr-3451	246	8	financial	financial	ADJ
fsr-3451	246	9	services	service	NOUN
fsr-3451	246	10	review	review	VERB
fsr-3451	246	11	29	29	NUM
fsr-3451	246	12	(	(	PUNCT
fsr-3451	246	13	2021	2021	NUM
fsr-3451	246	14	)	)	PUNCT
fsr-3451	246	15	147–167	147–167	NUM
fsr-3451	246	16	5	5	NUM
fsr-3451	246	17	.	.	PUNCT
fsr-3451	246	18	discussion	discussion	NOUN
fsr-3451	246	19	5.1	5.1	NUM
fsr-3451	246	20	.	.	PUNCT
fsr-3451	247	1	conclusion	conclusion	NOUN
fsr-3451	247	2	this	this	DET
fsr-3451	247	3	study	study	NOUN
fsr-3451	247	4	investigates	investigate	VERB
fsr-3451	247	5	how	how	SCONJ
fsr-3451	247	6	ybcs	ybc	VERB
fsr-3451	247	7	perceive	perceive	VERB
fsr-3451	247	8	the	the	DET
fsr-3451	247	9	relationships	relationship	NOUN
fsr-3451	247	10	between	between	ADP
fsr-3451	247	11	the	the	DET
fsr-3451	247	12	usability	usability	NOUN
fsr-3451	247	13	,	,	PUNCT
fsr-3451	247	14	responsiveness	responsiveness	NOUN
fsr-3451	247	15	,	,	PUNCT
fsr-3451	247	16	customer	customer	NOUN
fsr-3451	247	17	satisfaction	satisfaction	NOUN
fsr-3451	247	18	,	,	PUNCT
fsr-3451	247	19	and	and	CCONJ
fsr-3451	247	20	reliability	reliability	NOUN
fsr-3451	247	21	antecedents	antecedent	NOUN
fsr-3451	247	22	and	and	CCONJ
fsr-3451	247	23	loyalty	loyalty	NOUN
fsr-3451	247	24	in	in	ADP
fsr-3451	247	25	the	the	DET
fsr-3451	247	26	context	context	NOUN
fsr-3451	247	27	of	of	ADP
fsr-3451	247	28	mbas	mbas	PROPN
fsr-3451	247	29	.	.	PUNCT
fsr-3451	248	1	based	base	VERB
fsr-3451	248	2	on	on	ADP
fsr-3451	248	3	the	the	DET
fsr-3451	248	4	empirical	empirical	ADJ
fsr-3451	248	5	results	result	NOUN
fsr-3451	248	6	,	,	PUNCT
fsr-3451	248	7	it	it	PRON
fsr-3451	248	8	can	can	AUX
fsr-3451	248	9	be	be	AUX
fsr-3451	248	10	argued	argue	VERB
fsr-3451	248	11	that	that	SCONJ
fsr-3451	248	12	usability	usability	NOUN
fsr-3451	248	13	has	have	VERB
fsr-3451	248	14	a	a	DET
fsr-3451	248	15	direct	direct	ADJ
fsr-3451	248	16	relationship	relationship	NOUN
fsr-3451	248	17	with	with	ADP
fsr-3451	248	18	responsiveness	responsiveness	NOUN
fsr-3451	248	19	,	,	PUNCT
fsr-3451	248	20	customer	customer	NOUN
fsr-3451	248	21	satisfaction	satisfaction	NOUN
fsr-3451	248	22	,	,	PUNCT
fsr-3451	248	23	and	and	CCONJ
fsr-3451	248	24	reliability	reliability	NOUN
fsr-3451	248	25	and	and	CCONJ
fsr-3451	248	26	an	an	DET
fsr-3451	248	27	indirect	indirect	ADJ
fsr-3451	248	28	relationship	relationship	NOUN
fsr-3451	248	29	with	with	ADP
fsr-3451	248	30	loyalty	loyalty	NOUN
fsr-3451	248	31	via	via	ADP
fsr-3451	248	32	responsiveness	responsiveness	NOUN
fsr-3451	248	33	and	and	CCONJ
fsr-3451	248	34	customer	customer	NOUN
fsr-3451	248	35	satisfaction	satisfaction	NOUN
fsr-3451	248	36	.	.	PUNCT
fsr-3451	249	1	the	the	DET
fsr-3451	249	2	finding	finding	NOUN
fsr-3451	249	3	that	that	SCONJ
fsr-3451	249	4	usability	usability	NOUN
fsr-3451	249	5	has	have	AUX
fsr-3451	249	6	an	an	DET
fsr-3451	249	7	indirect	indirect	ADJ
fsr-3451	249	8	relationship	relationship	NOUN
fsr-3451	249	9	with	with	ADP
fsr-3451	249	10	loyalty	loyalty	NOUN
fsr-3451	249	11	through	through	ADP
fsr-3451	249	12	customer	customer	NOUN
fsr-3451	249	13	satisfaction	satisfaction	NOUN
fsr-3451	249	14	is	be	AUX
fsr-3451	249	15	in	in	ADP
fsr-3451	249	16	line	line	NOUN
fsr-3451	249	17	with	with	ADP
fsr-3451	249	18	the	the	DET
fsr-3451	249	19	findings	finding	NOUN
fsr-3451	249	20	of	of	ADP
fsr-3451	249	21	casaló	casaló	PROPN
fsr-3451	249	22	et	et	PROPN
fsr-3451	249	23	al	al	PROPN
fsr-3451	249	24	.	.	PROPN
fsr-3451	250	1	(	(	PUNCT
fsr-3451	250	2	2008	2008	NUM
fsr-3451	250	3	)	)	PUNCT
fsr-3451	250	4	and	and	CCONJ
fsr-3451	250	5	flavian	flavian	NOUN
fsr-3451	250	6	et	et	PROPN
fsr-3451	250	7	al	al	PROPN
fsr-3451	250	8	.	.	PROPN
fsr-3451	251	1	(	(	PUNCT
fsr-3451	251	2	2006	2006	NUM
fsr-3451	251	3	)	)	PUNCT
fsr-3451	251	4	.	.	PUNCT
fsr-3451	252	1	responsiveness	responsiveness	NOUN
fsr-3451	252	2	is	be	AUX
fsr-3451	252	3	significantly	significantly	ADV
fsr-3451	252	4	related	relate	VERB
fsr-3451	252	5	to	to	ADP
fsr-3451	252	6	loyalty	loyalty	NOUN
fsr-3451	252	7	,	,	PUNCT
fsr-3451	252	8	but	but	CCONJ
fsr-3451	252	9	not	not	PART
fsr-3451	252	10	to	to	ADP
fsr-3451	252	11	customer	customer	NOUN
fsr-3451	252	12	satisfaction	satisfaction	NOUN
fsr-3451	252	13	.	.	PUNCT
fsr-3451	253	1	the	the	DET
fsr-3451	253	2	latter	latter	ADJ
fsr-3451	253	3	finding	finding	NOUN
fsr-3451	253	4	was	be	AUX
fsr-3451	253	5	not	not	PART
fsr-3451	253	6	as	as	ADV
fsr-3451	253	7	hypothesized	hypothesize	VERB
fsr-3451	253	8	,	,	PUNCT
fsr-3451	253	9	but	but	CCONJ
fsr-3451	253	10	is	be	AUX
fsr-3451	253	11	in	in	ADP
fsr-3451	253	12	line	line	NOUN
fsr-3451	253	13	with	with	ADP
fsr-3451	253	14	the	the	DET
fsr-3451	253	15	findings	finding	NOUN
fsr-3451	253	16	of	of	ADP
fsr-3451	253	17	kassim	kassim	PROPN
fsr-3451	253	18	and	and	CCONJ
fsr-3451	253	19	asiah	asiah	PROPN
fsr-3451	253	20	abdullah	abdullah	PROPN
fsr-3451	253	21	(	(	PUNCT
fsr-3451	253	22	2010	2010	NUM
fsr-3451	253	23	)	)	PUNCT
fsr-3451	253	24	and	and	CCONJ
fsr-3451	253	25	munusamy	munusamy	NOUN
fsr-3451	253	26	et	et	PROPN
fsr-3451	253	27	al	al	PROPN
fsr-3451	253	28	.	.	PROPN
fsr-3451	254	1	(	(	PUNCT
fsr-3451	254	2	2010	2010	NUM
fsr-3451	254	3	)	)	PUNCT
fsr-3451	254	4	.	.	PUNCT
fsr-3451	255	1	these	these	DET
fsr-3451	255	2	results	result	NOUN
fsr-3451	255	3	draw	draw	VERB
fsr-3451	255	4	attention	attention	NOUN
fsr-3451	255	5	to	to	ADP
fsr-3451	255	6	the	the	DET
fsr-3451	255	7	argument	argument	NOUN
fsr-3451	255	8	of	of	ADP
fsr-3451	255	9	fornell	fornell	NOUN
fsr-3451	255	10	(	(	PUNCT
fsr-3451	255	11	1992	1992	NUM
fsr-3451	255	12	,	,	PUNCT
fsr-3451	255	13	p.	p.	NOUN
fsr-3451	255	14	7	7	NUM
fsr-3451	255	15	)	)	PUNCT
fsr-3451	255	16	that	that	SCONJ
fsr-3451	255	17	“	"	PUNCT
fsr-3451	255	18	loyal	loyal	ADJ
fsr-3451	255	19	customers	customer	NOUN
fsr-3451	255	20	are	be	AUX
fsr-3451	255	21	not	not	PART
fsr-3451	255	22	necessarily	necessarily	ADV
fsr-3451	255	23	satisfied	satisfied	ADJ
fsr-3451	255	24	customers	customer	NOUN
fsr-3451	255	25	.	.	PUNCT
fsr-3451	255	26	”	"	PUNCT
fsr-3451	256	1	as	as	ADP
fsr-3451	256	2	a	a	DET
fsr-3451	256	3	consequence	consequence	NOUN
fsr-3451	256	4	,	,	PUNCT
fsr-3451	256	5	the	the	DET
fsr-3451	256	6	lack	lack	NOUN
fsr-3451	256	7	of	of	ADP
fsr-3451	256	8	relationship	relationship	NOUN
fsr-3451	256	9	between	between	ADP
fsr-3451	256	10	responsiveness	responsiveness	NOUN
fsr-3451	256	11	and	and	CCONJ
fsr-3451	256	12	customer	customer	NOUN
fsr-3451	256	13	satisfaction	satisfaction	NOUN
fsr-3451	256	14	might	might	AUX
fsr-3451	256	15	cause	cause	VERB
fsr-3451	256	16	mbas	mbas	NOUN
fsr-3451	256	17	to	to	PART
fsr-3451	256	18	lose	lose	VERB
fsr-3451	256	19	ybcs	ybc	NOUN
fsr-3451	256	20	in	in	ADP
fsr-3451	256	21	the	the	DET
fsr-3451	256	22	long	long	ADJ
fsr-3451	256	23	term	term	NOUN
fsr-3451	256	24	.	.	PUNCT
fsr-3451	257	1	several	several	ADJ
fsr-3451	257	2	previous	previous	ADJ
fsr-3451	257	3	studies	study	NOUN
fsr-3451	257	4	(	(	PUNCT
fsr-3451	257	5	arvidsson	arvidsson	NOUN
fsr-3451	257	6	,	,	PUNCT
fsr-3451	257	7	2014	2014	NUM
fsr-3451	257	8	;	;	PUNCT
fsr-3451	257	9	bauer	bauer	PROPN
fsr-3451	257	10	et	et	PROPN
fsr-3451	257	11	al	al	PROPN
fsr-3451	257	12	.	.	PROPN
fsr-3451	257	13	,	,	PUNCT
fsr-3451	257	14	2006	2006	NUM
fsr-3451	257	15	;	;	PUNCT
fsr-3451	257	16	calisir	calisir	PROPN
fsr-3451	257	17	&	&	CCONJ
fsr-3451	257	18	gumussoy	gumussoy	PROPN
fsr-3451	257	19	,	,	PUNCT
fsr-3451	257	20	2008	2008	NUM
fsr-3451	257	21	;	;	PUNCT
fsr-3451	257	22	raza	raza	PROPN
fsr-3451	257	23	et	et	PROPN
fsr-3451	257	24	al	al	PROPN
fsr-3451	257	25	.	.	PROPN
fsr-3451	257	26	,	,	PUNCT
fsr-3451	257	27	2015	2015	NUM
fsr-3451	257	28	)	)	PUNCT
fsr-3451	257	29	find	find	VERB
fsr-3451	257	30	a	a	DET
fsr-3451	257	31	significant	significant	ADJ
fsr-3451	257	32	relationship	relationship	NOUN
fsr-3451	257	33	between	between	ADP
fsr-3451	257	34	reliability	reliability	NOUN
fsr-3451	257	35	and	and	CCONJ
fsr-3451	257	36	customer	customer	NOUN
fsr-3451	257	37	satisfaction	satisfaction	NOUN
fsr-3451	257	38	.	.	PUNCT
fsr-3451	258	1	however	however	ADV
fsr-3451	258	2	,	,	PUNCT
fsr-3451	258	3	as	as	ADP
fsr-3451	258	4	in	in	ADP
fsr-3451	258	5	the	the	DET
fsr-3451	258	6	studies	study	NOUN
fsr-3451	258	7	of	of	ADP
fsr-3451	258	8	munusamy	munusamy	PROPN
fsr-3451	258	9	et	et	PROPN
fsr-3451	258	10	al	al	PROPN
fsr-3451	258	11	.	.	PROPN
fsr-3451	259	1	(	(	PUNCT
fsr-3451	259	2	2010	2010	NUM
fsr-3451	259	3	)	)	PUNCT
fsr-3451	259	4	and	and	CCONJ
fsr-3451	259	5	wen	wen	PROPN
fsr-3451	259	6	and	and	CCONJ
fsr-3451	259	7	hilmi	hilmi	PROPN
fsr-3451	259	8	(	(	PUNCT
fsr-3451	259	9	2011	2011	NUM
fsr-3451	259	10	)	)	PUNCT
fsr-3451	259	11	,	,	PUNCT
fsr-3451	259	12	our	our	PRON
fsr-3451	259	13	empirical	empirical	ADJ
fsr-3451	259	14	results	result	NOUN
fsr-3451	259	15	do	do	AUX
fsr-3451	259	16	not	not	PART
fsr-3451	259	17	significantly	significantly	ADV
fsr-3451	259	18	support	support	VERB
fsr-3451	259	19	this	this	DET
fsr-3451	259	20	relationship	relationship	NOUN
fsr-3451	259	21	,	,	PUNCT
fsr-3451	259	22	calling	call	VERB
fsr-3451	259	23	into	into	ADP
fsr-3451	259	24	question	question	NOUN
fsr-3451	259	25	whether	whether	SCONJ
fsr-3451	259	26	reliable	reliable	ADJ
fsr-3451	259	27	mbas	mbas	NOUN
fsr-3451	259	28	can	can	AUX
fsr-3451	259	29	increase	increase	VERB
fsr-3451	259	30	the	the	DET
fsr-3451	259	31	satisfaction	satisfaction	NOUN
fsr-3451	259	32	of	of	ADP
fsr-3451	259	33	ybcs	ybc	NOUN
fsr-3451	259	34	.	.	PUNCT
fsr-3451	260	1	this	this	DET
fsr-3451	260	2	lack	lack	NOUN
fsr-3451	260	3	of	of	ADP
fsr-3451	260	4	relationship	relationship	NOUN
fsr-3451	260	5	could	could	AUX
fsr-3451	260	6	be	be	AUX
fsr-3451	260	7	attributable	attributable	ADJ
fsr-3451	260	8	to	to	ADP
fsr-3451	260	9	ybcs	ybc	NOUN
fsr-3451	260	10	’	'	PUNCT
fsr-3451	260	11	perceptions	perception	NOUN
fsr-3451	260	12	of	of	ADP
fsr-3451	260	13	reliability	reliability	NOUN
fsr-3451	260	14	in	in	ADP
fsr-3451	260	15	the	the	DET
fsr-3451	260	16	mba	mba	NOUN
fsr-3451	260	17	context	context	NOUN
fsr-3451	260	18	,	,	PUNCT
fsr-3451	260	19	and	and	CCONJ
fsr-3451	260	20	to	to	ADP
fsr-3451	260	21	ybcs	ybc	NOUN
fsr-3451	260	22	’	'	PUNCT
fsr-3451	260	23	search	search	NOUN
fsr-3451	260	24	for	for	ADP
fsr-3451	260	25	more	more	ADJ
fsr-3451	260	26	than	than	ADP
fsr-3451	260	27	just	just	ADV
fsr-3451	260	28	a	a	DET
fsr-3451	260	29	reliable	reliable	ADJ
fsr-3451	260	30	mba	mba	NOUN
fsr-3451	260	31	,	,	PUNCT
fsr-3451	260	32	for	for	ADP
fsr-3451	260	33	example	example	NOUN
fsr-3451	260	34	,	,	PUNCT
fsr-3451	260	35	a	a	DET
fsr-3451	260	36	usable	usable	ADJ
fsr-3451	260	37	one	one	NUM
fsr-3451	260	38	.	.	PUNCT
fsr-3451	261	1	previous	previous	ADJ
fsr-3451	261	2	studies	study	NOUN
fsr-3451	261	3	have	have	AUX
fsr-3451	261	4	stressed	stress	VERB
fsr-3451	261	5	that	that	SCONJ
fsr-3451	261	6	reliability	reliability	NOUN
fsr-3451	261	7	might	might	AUX
fsr-3451	261	8	not	not	PART
fsr-3451	261	9	be	be	AUX
fsr-3451	261	10	as	as	ADV
fsr-3451	261	11	important	important	ADJ
fsr-3451	261	12	for	for	ADP
fsr-3451	261	13	ybcs	ybc	NOUN
fsr-3451	261	14	as	as	ADP
fsr-3451	261	15	for	for	ADP
fsr-3451	261	16	older	old	ADJ
fsr-3451	261	17	bank	bank	NOUN
fsr-3451	261	18	customers	customer	NOUN
fsr-3451	261	19	(	(	PUNCT
fsr-3451	261	20	zhou	zhou	PROPN
fsr-3451	261	21	at	at	ADP
fsr-3451	261	22	al	al	PROPN
fsr-3451	261	23	.	.	PROPN
fsr-3451	261	24	,	,	PUNCT
fsr-3451	261	25	2010	2010	NUM
fsr-3451	261	26	)	)	PUNCT
fsr-3451	261	27	.	.	PUNCT
fsr-3451	262	1	this	this	PRON
fsr-3451	262	2	also	also	ADV
fsr-3451	262	3	corresponds	correspond	VERB
fsr-3451	262	4	to	to	ADP
fsr-3451	262	5	our	our	PRON
fsr-3451	262	6	finding	finding	NOUN
fsr-3451	262	7	that	that	SCONJ
fsr-3451	262	8	no	no	DET
fsr-3451	262	9	significant	significant	ADJ
fsr-3451	262	10	relationship	relationship	NOUN
fsr-3451	262	11	exists	exist	VERB
fsr-3451	262	12	between	between	ADP
fsr-3451	262	13	reliability	reliability	NOUN
fsr-3451	262	14	and	and	CCONJ
fsr-3451	262	15	loyalty	loyalty	NOUN
fsr-3451	262	16	,	,	PUNCT
fsr-3451	262	17	which	which	PRON
fsr-3451	262	18	is	be	AUX
fsr-3451	262	19	in	in	ADP
fsr-3451	262	20	line	line	NOUN
fsr-3451	262	21	with	with	ADP
fsr-3451	262	22	the	the	DET
fsr-3451	262	23	conclusion	conclusion	NOUN
fsr-3451	262	24	of	of	ADP
fsr-3451	262	25	lin	lin	PROPN
fsr-3451	262	26	(	(	PUNCT
fsr-3451	262	27	2012	2012	NUM
fsr-3451	262	28	)	)	PUNCT
fsr-3451	262	29	,	,	PUNCT
fsr-3451	262	30	who	who	PRON
fsr-3451	262	31	find	find	VERB
fsr-3451	262	32	the	the	DET
fsr-3451	262	33	same	same	ADJ
fsr-3451	262	34	lack	lack	NOUN
fsr-3451	262	35	of	of	ADP
fsr-3451	262	36	relationship	relationship	NOUN
fsr-3451	262	37	in	in	ADP
fsr-3451	262	38	mobile	mobile	ADJ
fsr-3451	262	39	retailing	retailing	NOUN
fsr-3451	262	40	.	.	PUNCT
fsr-3451	263	1	it	it	PRON
fsr-3451	263	2	is	be	AUX
fsr-3451	263	3	also	also	ADV
fsr-3451	263	4	possible	possible	ADJ
fsr-3451	263	5	that	that	SCONJ
fsr-3451	263	6	the	the	DET
fsr-3451	263	7	two	two	NUM
fsr-3451	263	8	dimensions	dimension	NOUN
fsr-3451	263	9	of	of	ADP
fsr-3451	263	10	servqual	servqual	ADJ
fsr-3451	263	11	used	use	VERB
fsr-3451	263	12	here	here	ADV
fsr-3451	263	13	,	,	PUNCT
fsr-3451	263	14	that	that	ADV
fsr-3451	263	15	is	is	ADV
fsr-3451	263	16	,	,	PUNCT
fsr-3451	263	17	responsiveness	responsiveness	NOUN
fsr-3451	263	18	and	and	CCONJ
fsr-3451	263	19	reliability	reliability	NOUN
fsr-3451	263	20	,	,	PUNCT
fsr-3451	263	21	have	have	VERB
fsr-3451	263	22	different	different	ADJ
fsr-3451	263	23	roles	role	NOUN
fsr-3451	263	24	regarding	regard	VERB
fsr-3451	263	25	ybc	ybc	NOUN
fsr-3451	263	26	experience	experience	NOUN
fsr-3451	263	27	of	of	ADP
fsr-3451	263	28	mbas	mbas	NOUN
fsr-3451	263	29	.	.	PUNCT
fsr-3451	264	1	it	it	PRON
fsr-3451	264	2	was	be	AUX
fsr-3451	264	3	no	no	DET
fsr-3451	264	4	surprise	surprise	NOUN
fsr-3451	264	5	to	to	PART
fsr-3451	264	6	find	find	VERB
fsr-3451	264	7	a	a	DET
fsr-3451	264	8	significant	significant	ADJ
fsr-3451	264	9	relationship	relationship	NOUN
fsr-3451	264	10	between	between	ADP
fsr-3451	264	11	customer	customer	NOUN
fsr-3451	264	12	satisfaction	satisfaction	NOUN
fsr-3451	264	13	and	and	CCONJ
fsr-3451	264	14	loyalty	loyalty	NOUN
fsr-3451	264	15	in	in	ADP
fsr-3451	264	16	the	the	DET
fsr-3451	264	17	mba	mba	NOUN
fsr-3451	264	18	context	context	NOUN
fsr-3451	264	19	.	.	PUNCT
fsr-3451	265	1	the	the	DET
fsr-3451	265	2	more	more	ADV
fsr-3451	265	3	satisfied	satisfied	ADJ
fsr-3451	265	4	ybcs	ybc	NOUN
fsr-3451	265	5	are	be	AUX
fsr-3451	265	6	,	,	PUNCT
fsr-3451	265	7	the	the	PRON
fsr-3451	265	8	more	more	ADV
fsr-3451	265	9	loyal	loyal	ADJ
fsr-3451	265	10	they	they	PRON
fsr-3451	265	11	could	could	AUX
fsr-3451	265	12	be	be	AUX
fsr-3451	265	13	.	.	PUNCT
fsr-3451	266	1	it	it	PRON
fsr-3451	266	2	is	be	AUX
fsr-3451	266	3	claimed	claim	VERB
fsr-3451	266	4	that	that	SCONJ
fsr-3451	266	5	ybcs	ybc	NOUN
fsr-3451	266	6	,	,	PUNCT
fsr-3451	266	7	who	who	PRON
fsr-3451	266	8	will	will	AUX
fsr-3451	266	9	likely	likely	ADV
fsr-3451	266	10	be	be	AUX
fsr-3451	266	11	significant	significant	ADJ
fsr-3451	266	12	for	for	ADP
fsr-3451	266	13	the	the	DET
fsr-3451	266	14	future	future	NOUN
fsr-3451	266	15	of	of	ADP
fsr-3451	266	16	financial	financial	ADJ
fsr-3451	266	17	services	service	NOUN
fsr-3451	266	18	,	,	PUNCT
fsr-3451	266	19	prefer	prefer	VERB
fsr-3451	266	20	fintech	fintech	NOUN
fsr-3451	266	21	companies	company	NOUN
fsr-3451	266	22	(	(	PUNCT
fsr-3451	266	23	gomber	gomber	PROPN
fsr-3451	266	24	et	et	PROPN
fsr-3451	266	25	al	al	PROPN
fsr-3451	266	26	.	.	PROPN
fsr-3451	266	27	,	,	PUNCT
fsr-3451	266	28	2018	2018	NUM
fsr-3451	266	29	)	)	PUNCT
fsr-3451	266	30	and	and	CCONJ
fsr-3451	266	31	tend	tend	VERB
fsr-3451	266	32	to	to	PART
fsr-3451	266	33	change	change	VERB
fsr-3451	266	34	banks	bank	NOUN
fsr-3451	266	35	more	more	ADJ
fsr-3451	266	36	than	than	ADP
fsr-3451	266	37	any	any	DET
fsr-3451	266	38	other	other	ADJ
fsr-3451	266	39	age	age	NOUN
fsr-3451	266	40	group	group	NOUN
fsr-3451	266	41	(	(	PUNCT
fsr-3451	266	42	accenture	accenture	NOUN
fsr-3451	266	43	,	,	PUNCT
fsr-3451	266	44	2015	2015	NUM
fsr-3451	266	45	)	)	PUNCT
fsr-3451	266	46	.	.	PUNCT
fsr-3451	267	1	the	the	DET
fsr-3451	267	2	exclusive	exclusive	ADJ
fsr-3451	267	3	offering	offering	NOUN
fsr-3451	267	4	of	of	ADP
fsr-3451	267	5	financial	financial	ADJ
fsr-3451	267	6	services	service	NOUN
fsr-3451	267	7	in	in	ADP
fsr-3451	267	8	traditional	traditional	ADJ
fsr-3451	267	9	banks	bank	NOUN
fsr-3451	267	10	will	will	AUX
fsr-3451	267	11	likely	likely	ADV
fsr-3451	267	12	weaken	weaken	VERB
fsr-3451	267	13	due	due	ADP
fsr-3451	267	14	to	to	ADP
fsr-3451	267	15	the	the	DET
fsr-3451	267	16	attempts	attempt	NOUN
fsr-3451	267	17	of	of	ADP
fsr-3451	267	18	fintech	fintech	NOUN
fsr-3451	267	19	companies	company	NOUN
fsr-3451	267	20	to	to	PART
fsr-3451	267	21	offer	offer	VERB
fsr-3451	267	22	and	and	CCONJ
fsr-3451	267	23	promote	promote	VERB
fsr-3451	267	24	improved	improved	ADJ
fsr-3451	267	25	fig	fig	NOUN
fsr-3451	267	26	.	.	PUNCT
fsr-3451	268	1	3	3	X
fsr-3451	268	2	.	.	X
fsr-3451	268	3	usability	usability	NOUN
fsr-3451	268	4	–	–	PUNCT
fsr-3451	268	5	loyalty	loyalty	NOUN
fsr-3451	268	6	model	model	NOUN
fsr-3451	268	7	of	of	ADP
fsr-3451	268	8	young	young	ADJ
fsr-3451	268	9	bank	bank	NOUN
fsr-3451	268	10	customers	customer	NOUN
fsr-3451	268	11	(	(	PUNCT
fsr-3451	268	12	ybcs	ybc	NOUN
fsr-3451	268	13	)	)	PUNCT
fsr-3451	268	14	on	on	ADP
fsr-3451	268	15	mobile	mobile	ADJ
fsr-3451	268	16	bank	bank	NOUN
fsr-3451	268	17	applications	application	NOUN
fsr-3451	268	18	(	(	PUNCT
fsr-3451	268	19	mbas	mbas	NOUN
fsr-3451	268	20	)	)	PUNCT
fsr-3451	268	21	.	.	PUNCT
fsr-3451	269	1	m.	m.	PROPN
fsr-3451	269	2	nourallah	nourallah	PROPN
fsr-3451	269	3	et	et	PROPN
fsr-3451	269	4	al	al	PROPN
fsr-3451	269	5	.	.	PUNCT
fsr-3451	270	1	/	/	SYM
fsr-3451	270	2	financial	financial	ADJ
fsr-3451	270	3	services	service	NOUN
fsr-3451	270	4	review	review	VERB
fsr-3451	270	5	29	29	NUM
fsr-3451	270	6	(	(	PUNCT
fsr-3451	270	7	2021	2021	NUM
fsr-3451	270	8	)	)	PUNCT
fsr-3451	270	9	147–167	147–167	NUM
fsr-3451	270	10	159	159	NUM
fsr-3451	270	11	services	service	NOUN
fsr-3451	270	12	(	(	PUNCT
fsr-3451	270	13	nicoletti	nicoletti	NOUN
fsr-3451	270	14	,	,	PUNCT
fsr-3451	270	15	2017	2017	NUM
fsr-3451	270	16	)	)	PUNCT
fsr-3451	270	17	.	.	PUNCT
fsr-3451	271	1	therefore	therefore	ADV
fsr-3451	271	2	,	,	PUNCT
fsr-3451	271	3	cultivating	cultivate	VERB
fsr-3451	271	4	the	the	DET
fsr-3451	271	5	loyalty	loyalty	NOUN
fsr-3451	271	6	of	of	ADP
fsr-3451	271	7	ybcs	ybc	NOUN
fsr-3451	271	8	is	be	AUX
fsr-3451	271	9	considered	consider	VERB
fsr-3451	271	10	a	a	DET
fsr-3451	271	11	top	top	ADJ
fsr-3451	271	12	priority	priority	NOUN
fsr-3451	271	13	for	for	ADP
fsr-3451	271	14	traditional	traditional	ADJ
fsr-3451	271	15	banks	bank	NOUN
fsr-3451	271	16	.	.	PUNCT
fsr-3451	272	1	5.2	5.2	NUM
fsr-3451	272	2	.	.	PUNCT
fsr-3451	273	1	theoretical	theoretical	ADJ
fsr-3451	273	2	and	and	CCONJ
fsr-3451	273	3	practical	practical	ADJ
fsr-3451	273	4	implications	implication	NOUN
fsr-3451	273	5	the	the	DET
fsr-3451	273	6	present	present	ADJ
fsr-3451	273	7	findings	finding	NOUN
fsr-3451	273	8	have	have	VERB
fsr-3451	273	9	theoretical	theoretical	ADJ
fsr-3451	273	10	as	as	ADV
fsr-3451	273	11	well	well	ADV
fsr-3451	273	12	as	as	ADP
fsr-3451	273	13	practical	practical	ADJ
fsr-3451	273	14	implications	implication	NOUN
fsr-3451	273	15	.	.	PUNCT
fsr-3451	274	1	compared	compare	VERB
fsr-3451	274	2	with	with	ADP
fsr-3451	274	3	previous	previous	ADJ
fsr-3451	274	4	studies	study	NOUN
fsr-3451	274	5	in	in	ADP
fsr-3451	274	6	the	the	DET
fsr-3451	274	7	banking	banking	NOUN
fsr-3451	274	8	sector	sector	NOUN
fsr-3451	274	9	that	that	PRON
fsr-3451	274	10	highlighted	highlight	VERB
fsr-3451	274	11	service	service	NOUN
fsr-3451	274	12	quality	quality	NOUN
fsr-3451	274	13	as	as	ADP
fsr-3451	274	14	a	a	DET
fsr-3451	274	15	key	key	NOUN
fsr-3451	274	16	to	to	ADP
fsr-3451	274	17	customer	customer	NOUN
fsr-3451	274	18	satisfaction	satisfaction	NOUN
fsr-3451	274	19	and	and	CCONJ
fsr-3451	274	20	loyalty	loyalty	NOUN
fsr-3451	274	21	(	(	PUNCT
fsr-3451	274	22	e.g.	e.g.	ADV
fsr-3451	274	23	,	,	PUNCT
fsr-3451	274	24	kassim	kassim	PROPN
fsr-3451	274	25	&	&	CCONJ
fsr-3451	274	26	asiah	asiah	PROPN
fsr-3451	274	27	abdullah	abdullah	PROPN
fsr-3451	274	28	,	,	PUNCT
fsr-3451	274	29	2010	2010	NUM
fsr-3451	274	30	;	;	PUNCT
fsr-3451	274	31	santouridis	santouridis	PROPN
fsr-3451	274	32	&	&	CCONJ
fsr-3451	274	33	trivellas	trivella	NOUN
fsr-3451	274	34	,	,	PUNCT
fsr-3451	274	35	2010	2010	NUM
fsr-3451	274	36	)	)	PUNCT
fsr-3451	274	37	,	,	PUNCT
fsr-3451	274	38	we	we	PRON
fsr-3451	274	39	argue	argue	VERB
fsr-3451	274	40	that	that	SCONJ
fsr-3451	274	41	in	in	ADP
fsr-3451	274	42	today	today	NOUN
fsr-3451	274	43	’s	’s	PART
fsr-3451	274	44	digital	digital	ADJ
fsr-3451	274	45	world	world	NOUN
fsr-3451	274	46	,	,	PUNCT
fsr-3451	274	47	usability	usability	NOUN
fsr-3451	274	48	can	can	AUX
fsr-3451	274	49	also	also	ADV
fsr-3451	274	50	ensure	ensure	VERB
fsr-3451	274	51	satisfied	satisfied	ADJ
fsr-3451	274	52	and	and	CCONJ
fsr-3451	274	53	loyal	loyal	ADJ
fsr-3451	274	54	customers	customer	NOUN
fsr-3451	274	55	.	.	PUNCT
fsr-3451	275	1	in	in	ADP
fsr-3451	275	2	other	other	ADJ
fsr-3451	275	3	words	word	NOUN
fsr-3451	275	4	,	,	PUNCT
fsr-3451	275	5	it	it	PRON
fsr-3451	275	6	can	can	AUX
fsr-3451	275	7	be	be	AUX
fsr-3451	275	8	concluded	conclude	VERB
fsr-3451	275	9	that	that	SCONJ
fsr-3451	275	10	the	the	PRON
fsr-3451	275	11	higher	high	ADJ
fsr-3451	275	12	the	the	DET
fsr-3451	275	13	usability	usability	NOUN
fsr-3451	275	14	a	a	DET
fsr-3451	275	15	certain	certain	ADJ
fsr-3451	275	16	mba	mba	NOUN
fsr-3451	275	17	offers	offer	NOUN
fsr-3451	275	18	,	,	PUNCT
fsr-3451	275	19	the	the	DET
fsr-3451	275	20	more	more	ADV
fsr-3451	275	21	satisfied	satisfied	ADJ
fsr-3451	275	22	ybcs	ybc	NOUN
fsr-3451	275	23	will	will	AUX
fsr-3451	275	24	be	be	AUX
fsr-3451	275	25	.	.	PUNCT
fsr-3451	276	1	this	this	PRON
fsr-3451	276	2	is	be	AUX
fsr-3451	276	3	of	of	ADP
fsr-3451	276	4	interest	interest	NOUN
fsr-3451	276	5	because	because	SCONJ
fsr-3451	276	6	our	our	PRON
fsr-3451	276	7	empirical	empirical	ADJ
fsr-3451	276	8	findings	finding	NOUN
fsr-3451	276	9	regarding	regard	VERB
fsr-3451	276	10	ybcs	ybc	NOUN
fsr-3451	276	11	’	'	PUNCT
fsr-3451	276	12	perceptions	perception	NOUN
fsr-3451	276	13	in	in	ADP
fsr-3451	276	14	the	the	DET
fsr-3451	276	15	mba	mba	NOUN
fsr-3451	276	16	context	context	NOUN
fsr-3451	276	17	demonstrate	demonstrate	VERB
fsr-3451	276	18	that	that	SCONJ
fsr-3451	276	19	both	both	PRON
fsr-3451	276	20	responsiveness	responsiveness	NOUN
fsr-3451	276	21	and	and	CCONJ
fsr-3451	276	22	customer	customer	NOUN
fsr-3451	276	23	satisfaction	satisfaction	NOUN
fsr-3451	276	24	are	be	AUX
fsr-3451	276	25	directly	directly	ADV
fsr-3451	276	26	related	relate	VERB
fsr-3451	276	27	to	to	ADP
fsr-3451	276	28	loyalty	loyalty	NOUN
fsr-3451	276	29	.	.	PUNCT
fsr-3451	277	1	usability	usability	NOUN
fsr-3451	277	2	is	be	AUX
fsr-3451	277	3	a	a	DET
fsr-3451	277	4	relatively	relatively	ADV
fsr-3451	277	5	unstudied	unstudied	ADJ
fsr-3451	277	6	phenomenon	phenomenon	NOUN
fsr-3451	277	7	in	in	ADP
fsr-3451	277	8	the	the	DET
fsr-3451	277	9	financial	financial	ADJ
fsr-3451	277	10	services	service	NOUN
fsr-3451	277	11	context	context	VERB
fsr-3451	277	12	,	,	PUNCT
fsr-3451	277	13	but	but	CCONJ
fsr-3451	277	14	the	the	DET
fsr-3451	277	15	rise	rise	NOUN
fsr-3451	277	16	of	of	ADP
fsr-3451	277	17	fintech	fintech	NOUN
fsr-3451	277	18	has	have	AUX
fsr-3451	277	19	drawn	draw	VERB
fsr-3451	277	20	attention	attention	NOUN
fsr-3451	277	21	to	to	ADP
fsr-3451	277	22	investigations	investigation	NOUN
fsr-3451	277	23	of	of	ADP
fsr-3451	277	24	usability	usability	NOUN
fsr-3451	277	25	-	-	PUNCT
fsr-3451	277	26	related	relate	VERB
fsr-3451	277	27	issues	issue	NOUN
fsr-3451	277	28	.	.	PUNCT
fsr-3451	278	1	previous	previous	ADJ
fsr-3451	278	2	studies	study	NOUN
fsr-3451	278	3	have	have	AUX
fsr-3451	278	4	acknowledged	acknowledge	VERB
fsr-3451	278	5	both	both	CCONJ
fsr-3451	278	6	ease	ease	NOUN
fsr-3451	278	7	of	of	ADP
fsr-3451	278	8	use	use	NOUN
fsr-3451	278	9	and	and	CCONJ
fsr-3451	278	10	usefulness	usefulness	NOUN
fsr-3451	278	11	(	(	PUNCT
fsr-3451	278	12	mohammadi	mohammadi	NOUN
fsr-3451	278	13	,	,	PUNCT
fsr-3451	278	14	2015	2015	NUM
fsr-3451	278	15	)	)	PUNCT
fsr-3451	278	16	,	,	PUNCT
fsr-3451	278	17	and	and	CCONJ
fsr-3451	278	18	financial	financial	ADJ
fsr-3451	278	19	services	service	NOUN
fsr-3451	278	20	studies	study	NOUN
fsr-3451	278	21	such	such	ADJ
fsr-3451	278	22	as	as	ADP
fsr-3451	278	23	those	those	PRON
fsr-3451	278	24	of	of	ADP
fsr-3451	278	25	casaló	casaló	PROPN
fsr-3451	278	26	et	et	PROPN
fsr-3451	278	27	al	al	PROPN
fsr-3451	278	28	.	.	PROPN
fsr-3451	279	1	(	(	PUNCT
fsr-3451	279	2	2007	2007	NUM
fsr-3451	279	3	,	,	PUNCT
fsr-3451	279	4	2008	2008	NUM
fsr-3451	279	5	)	)	PUNCT
fsr-3451	279	6	and	and	CCONJ
fsr-3451	279	7	flavian	flavian	NOUN
fsr-3451	279	8	et	et	PROPN
fsr-3451	279	9	al	al	PROPN
fsr-3451	279	10	.	.	PROPN
fsr-3451	280	1	(	(	PUNCT
fsr-3451	280	2	2006	2006	NUM
fsr-3451	280	3	)	)	PUNCT
fsr-3451	280	4	suggest	suggest	VERB
fsr-3451	280	5	that	that	SCONJ
fsr-3451	280	6	ease	ease	NOUN
fsr-3451	280	7	of	of	ADP
fsr-3451	280	8	use	use	NOUN
fsr-3451	280	9	is	be	AUX
fsr-3451	280	10	likely	likely	ADJ
fsr-3451	280	11	the	the	DET
fsr-3451	280	12	proper	proper	ADJ
fsr-3451	280	13	way	way	NOUN
fsr-3451	280	14	to	to	PART
fsr-3451	280	15	articulate	articulate	VERB
fsr-3451	280	16	usability	usability	NOUN
fsr-3451	280	17	.	.	PUNCT
fsr-3451	281	1	the	the	DET
fsr-3451	281	2	current	current	ADJ
fsr-3451	281	3	study	study	NOUN
fsr-3451	281	4	is	be	AUX
fsr-3451	281	5	in	in	ADP
fsr-3451	281	6	line	line	NOUN
fsr-3451	281	7	with	with	ADP
fsr-3451	281	8	this	this	DET
fsr-3451	281	9	suggestion	suggestion	NOUN
fsr-3451	281	10	,	,	PUNCT
fsr-3451	281	11	because	because	SCONJ
fsr-3451	281	12	ease	ease	NOUN
fsr-3451	281	13	of	of	ADP
fsr-3451	281	14	use	use	NOUN
fsr-3451	281	15	was	be	AUX
fsr-3451	281	16	found	find	VERB
fsr-3451	281	17	to	to	PART
fsr-3451	281	18	represent	represent	VERB
fsr-3451	281	19	a	a	DET
fsr-3451	281	20	single	single	ADJ
fsr-3451	281	21	usability	usability	NOUN
fsr-3451	281	22	construct	construct	NOUN
fsr-3451	281	23	.	.	PUNCT
fsr-3451	282	1	that	that	SCONJ
fsr-3451	282	2	banks	bank	NOUN
fsr-3451	282	3	have	have	AUX
fsr-3451	282	4	made	make	VERB
fsr-3451	282	5	the	the	DET
fsr-3451	282	6	largest	large	ADJ
fsr-3451	282	7	information	information	NOUN
fsr-3451	282	8	technology	technology	NOUN
fsr-3451	282	9	(	(	PUNCT
fsr-3451	282	10	it	it	PRON
fsr-3451	282	11	)	)	PUNCT
fsr-3451	282	12	investments	investment	NOUN
fsr-3451	282	13	across	across	ADP
fsr-3451	282	14	all	all	DET
fsr-3451	282	15	industries	industry	NOUN
fsr-3451	282	16	(	(	PUNCT
fsr-3451	282	17	puschmann	puschmann	PROPN
fsr-3451	282	18	,	,	PUNCT
fsr-3451	282	19	2017	2017	NUM
fsr-3451	282	20	)	)	PUNCT
fsr-3451	282	21	means	mean	VERB
fsr-3451	282	22	that	that	SCONJ
fsr-3451	282	23	it	it	PRON
fsr-3451	282	24	-	-	PUNCT
fsr-3451	282	25	related	relate	VERB
fsr-3451	282	26	costs	cost	NOUN
fsr-3451	282	27	represent	represent	VERB
fsr-3451	282	28	a	a	DET
fsr-3451	282	29	significant	significant	ADJ
fsr-3451	282	30	percentage	percentage	NOUN
fsr-3451	282	31	of	of	ADP
fsr-3451	282	32	bank	bank	NOUN
fsr-3451	282	33	expenditures	expenditure	NOUN
fsr-3451	282	34	.	.	PUNCT
fsr-3451	283	1	the	the	DET
fsr-3451	283	2	results	result	NOUN
fsr-3451	283	3	of	of	ADP
fsr-3451	283	4	the	the	DET
fsr-3451	283	5	current	current	ADJ
fsr-3451	283	6	study	study	NOUN
fsr-3451	283	7	might	might	AUX
fsr-3451	283	8	be	be	AUX
fsr-3451	283	9	used	use	VERB
fsr-3451	283	10	to	to	PART
fsr-3451	283	11	prioritize	prioritize	VERB
fsr-3451	283	12	such	such	ADJ
fsr-3451	283	13	it	it	PRON
fsr-3451	283	14	investments	investment	NOUN
fsr-3451	283	15	,	,	PUNCT
fsr-3451	283	16	especially	especially	ADV
fsr-3451	283	17	those	those	PRON
fsr-3451	283	18	related	relate	VERB
fsr-3451	283	19	to	to	ADP
fsr-3451	283	20	usability	usability	NOUN
fsr-3451	283	21	,	,	PUNCT
fsr-3451	283	22	because	because	SCONJ
fsr-3451	283	23	three	three	NUM
fsr-3451	283	24	usability	usability	NOUN
fsr-3451	283	25	attributes	attribute	NOUN
fsr-3451	283	26	were	be	AUX
fsr-3451	283	27	found	find	VERB
fsr-3451	283	28	to	to	PART
fsr-3451	283	29	be	be	AUX
fsr-3451	283	30	particularly	particularly	ADV
fsr-3451	283	31	important	important	ADJ
fsr-3451	283	32	:	:	PUNCT
fsr-3451	283	33	it	it	PRON
fsr-3451	283	34	should	should	AUX
fsr-3451	283	35	be	be	AUX
fsr-3451	283	36	(	(	PUNCT
fsr-3451	283	37	1	1	X
fsr-3451	283	38	)	)	PUNCT
fsr-3451	283	39	easy	easy	ADJ
fsr-3451	283	40	to	to	PART
fsr-3451	283	41	use	use	VERB
fsr-3451	283	42	the	the	DET
fsr-3451	283	43	mba	mba	NOUN
fsr-3451	283	44	the	the	DET
fsr-3451	283	45	first	first	ADJ
fsr-3451	283	46	time	time	NOUN
fsr-3451	283	47	,	,	PUNCT
fsr-3451	283	48	(	(	PUNCT
fsr-3451	283	49	2	2	X
fsr-3451	283	50	)	)	PUNCT
fsr-3451	283	51	easy	easy	ADJ
fsr-3451	283	52	to	to	PART
fsr-3451	283	53	find	find	VERB
fsr-3451	283	54	information	information	NOUN
fsr-3451	283	55	,	,	PUNCT
fsr-3451	283	56	and	and	CCONJ
fsr-3451	283	57	(	(	PUNCT
fsr-3451	283	58	3	3	X
fsr-3451	283	59	)	)	PUNCT
fsr-3451	283	60	easy	easy	ADJ
fsr-3451	283	61	to	to	PART
fsr-3451	283	62	navigate	navigate	VERB
fsr-3451	283	63	the	the	DET
fsr-3451	283	64	mba	mba	NOUN
fsr-3451	283	65	.	.	PUNCT
fsr-3451	284	1	mobile	mobile	ADJ
fsr-3451	284	2	application	application	NOUN
fsr-3451	284	3	technology	technology	NOUN
fsr-3451	284	4	represents	represent	VERB
fsr-3451	284	5	a	a	DET
fsr-3451	284	6	promising	promising	ADJ
fsr-3451	284	7	opportunity	opportunity	NOUN
fsr-3451	284	8	for	for	ADP
fsr-3451	284	9	traditional	traditional	ADJ
fsr-3451	284	10	banks	bank	NOUN
fsr-3451	284	11	and	and	CCONJ
fsr-3451	284	12	fintech	fintech	NOUN
fsr-3451	284	13	companies	company	NOUN
fsr-3451	284	14	,	,	PUNCT
fsr-3451	284	15	because	because	SCONJ
fsr-3451	284	16	a	a	DET
fsr-3451	284	17	mobile	mobile	ADJ
fsr-3451	284	18	application	application	NOUN
fsr-3451	284	19	can	can	AUX
fsr-3451	284	20	be	be	AUX
fsr-3451	284	21	an	an	DET
fsr-3451	284	22	independent	independent	ADJ
fsr-3451	284	23	financial	financial	ADJ
fsr-3451	284	24	service	service	NOUN
fsr-3451	284	25	provider	provider	NOUN
fsr-3451	284	26	,	,	PUNCT
fsr-3451	284	27	for	for	ADP
fsr-3451	284	28	example	example	NOUN
fsr-3451	284	29	,	,	PUNCT
fsr-3451	284	30	an	an	DET
fsr-3451	284	31	mob	mob	NOUN
fsr-3451	284	32	.	.	PUNCT
fsr-3451	285	1	this	this	PRON
fsr-3451	285	2	is	be	AUX
fsr-3451	285	3	unique	unique	ADJ
fsr-3451	285	4	compared	compare	VERB
fsr-3451	285	5	with	with	ADP
fsr-3451	285	6	the	the	DET
fsr-3451	285	7	earlier	early	ADJ
fsr-3451	285	8	versions	version	NOUN
fsr-3451	285	9	of	of	ADP
fsr-3451	285	10	mobile	mobile	ADJ
fsr-3451	285	11	banking	banking	NOUN
fsr-3451	285	12	.	.	PUNCT
fsr-3451	286	1	traditional	traditional	ADJ
fsr-3451	286	2	banks	bank	NOUN
fsr-3451	286	3	need	need	VERB
fsr-3451	286	4	to	to	PART
fsr-3451	286	5	take	take	VERB
fsr-3451	286	6	this	this	DET
fsr-3451	286	7	development	development	NOUN
fsr-3451	286	8	into	into	ADP
fsr-3451	286	9	consideration	consideration	NOUN
fsr-3451	286	10	because	because	SCONJ
fsr-3451	286	11	ybcs	ybc	NOUN
fsr-3451	286	12	can	can	AUX
fsr-3451	286	13	easily	easily	ADV
fsr-3451	286	14	move	move	VERB
fsr-3451	286	15	to	to	ADP
fsr-3451	286	16	other	other	ADJ
fsr-3451	286	17	types	type	NOUN
fsr-3451	286	18	of	of	ADP
fsr-3451	286	19	financial	financial	ADJ
fsr-3451	286	20	service	service	NOUN
fsr-3451	286	21	providers	provider	NOUN
fsr-3451	286	22	.	.	PUNCT
fsr-3451	287	1	5.3	5.3	NUM
fsr-3451	287	2	.	.	PUNCT
fsr-3451	287	3	limitations	limitation	NOUN
fsr-3451	287	4	and	and	CCONJ
fsr-3451	287	5	future	future	ADJ
fsr-3451	287	6	research	research	NOUN
fsr-3451	287	7	some	some	DET
fsr-3451	287	8	limitations	limitation	NOUN
fsr-3451	287	9	of	of	ADP
fsr-3451	287	10	this	this	DET
fsr-3451	287	11	study	study	NOUN
fsr-3451	287	12	can	can	AUX
fsr-3451	287	13	be	be	AUX
fsr-3451	287	14	seen	see	VERB
fsr-3451	287	15	as	as	ADP
fsr-3451	287	16	potential	potential	ADJ
fsr-3451	287	17	areas	area	NOUN
fsr-3451	287	18	for	for	ADP
fsr-3451	287	19	future	future	ADJ
fsr-3451	287	20	research	research	NOUN
fsr-3451	287	21	.	.	PUNCT
fsr-3451	288	1	the	the	DET
fsr-3451	288	2	study	study	NOUN
fsr-3451	288	3	was	be	AUX
fsr-3451	288	4	conducted	conduct	VERB
fsr-3451	288	5	in	in	ADP
fsr-3451	288	6	a	a	DET
fsr-3451	288	7	specific	specific	ADJ
fsr-3451	288	8	country	country	NOUN
fsr-3451	288	9	and	and	CCONJ
fsr-3451	288	10	the	the	DET
fsr-3451	288	11	number	number	NOUN
fsr-3451	288	12	of	of	ADP
fsr-3451	288	13	responses	response	NOUN
fsr-3451	288	14	was	be	AUX
fsr-3451	288	15	limited	limited	ADJ
fsr-3451	288	16	.	.	PUNCT
fsr-3451	289	1	it	it	PRON
fsr-3451	289	2	is	be	AUX
fsr-3451	289	3	therefore	therefore	ADV
fsr-3451	289	4	suggested	suggest	VERB
fsr-3451	289	5	that	that	SCONJ
fsr-3451	289	6	cross	cross	ADJ
fsr-3451	289	7	-	-	ADJ
fsr-3451	289	8	cultural	cultural	ADJ
fsr-3451	289	9	studies	study	NOUN
fsr-3451	289	10	be	be	AUX
fsr-3451	289	11	conducted	conduct	VERB
fsr-3451	289	12	in	in	ADP
fsr-3451	289	13	the	the	DET
fsr-3451	289	14	future	future	NOUN
fsr-3451	289	15	,	,	PUNCT
fsr-3451	289	16	as	as	SCONJ
fsr-3451	289	17	cultural	cultural	ADJ
fsr-3451	289	18	differences	difference	NOUN
fsr-3451	289	19	represent	represent	VERB
fsr-3451	289	20	a	a	DET
fsr-3451	289	21	crucial	crucial	ADJ
fsr-3451	289	22	factor	factor	NOUN
fsr-3451	289	23	in	in	ADP
fsr-3451	289	24	the	the	DET
fsr-3451	289	25	banking	banking	NOUN
fsr-3451	289	26	sector	sector	NOUN
fsr-3451	289	27	,	,	PUNCT
fsr-3451	289	28	and	and	CCONJ
fsr-3451	289	29	that	that	SCONJ
fsr-3451	289	30	more	more	ADJ
fsr-3451	289	31	respondents	respondent	NOUN
fsr-3451	289	32	be	be	AUX
fsr-3451	289	33	included	include	VERB
fsr-3451	289	34	.	.	PUNCT
fsr-3451	290	1	additional	additional	ADJ
fsr-3451	290	2	studies	study	NOUN
fsr-3451	290	3	are	be	AUX
fsr-3451	290	4	also	also	ADV
fsr-3451	290	5	important	important	ADJ
fsr-3451	290	6	because	because	SCONJ
fsr-3451	290	7	of	of	ADP
fsr-3451	290	8	the	the	DET
fsr-3451	290	9	general	general	ADJ
fsr-3451	290	10	limitations	limitation	NOUN
fsr-3451	290	11	of	of	ADP
fsr-3451	290	12	questionnaire	questionnaire	NOUN
fsr-3451	290	13	research	research	NOUN
fsr-3451	290	14	(	(	PUNCT
fsr-3451	290	15	cf	cf	NOUN
fsr-3451	290	16	.	.	PUNCT
fsr-3451	290	17	sharma	sharma	PROPN
fsr-3451	290	18	&	&	CCONJ
fsr-3451	290	19	sidhu	sidhu	PROPN
fsr-3451	290	20	,	,	PUNCT
fsr-3451	290	21	2001	2001	NUM
fsr-3451	290	22	)	)	PUNCT
fsr-3451	290	23	,	,	PUNCT
fsr-3451	290	24	including	include	VERB
fsr-3451	290	25	social	social	ADJ
fsr-3451	290	26	desirability	desirability	NOUN
fsr-3451	290	27	bias	bias	NOUN
fsr-3451	290	28	when	when	SCONJ
fsr-3451	290	29	data	datum	NOUN
fsr-3451	290	30	are	be	AUX
fsr-3451	290	31	selfreported	selfreporte	VERB
fsr-3451	290	32	and	and	CCONJ
fsr-3451	290	33	the	the	DET
fsr-3451	290	34	risk	risk	NOUN
fsr-3451	290	35	of	of	ADP
fsr-3451	290	36	measuring	measure	VERB
fsr-3451	290	37	respondents	respondent	NOUN
fsr-3451	290	38	’	'	PUNCT
fsr-3451	290	39	recalled	recall	VERB
fsr-3451	290	40	rather	rather	ADV
fsr-3451	290	41	than	than	ADP
fsr-3451	290	42	“	"	PUNCT
fsr-3451	290	43	lived	live	VERB
fsr-3451	290	44	”	"	PUNCT
fsr-3451	290	45	perceptions	perception	NOUN
fsr-3451	290	46	.	.	PUNCT
fsr-3451	291	1	another	another	DET
fsr-3451	291	2	suggestion	suggestion	NOUN
fsr-3451	291	3	is	be	AUX
fsr-3451	291	4	accordingly	accordingly	ADV
fsr-3451	291	5	to	to	PART
fsr-3451	291	6	conduct	conduct	VERB
fsr-3451	291	7	“	"	PUNCT
fsr-3451	291	8	big	big	ADJ
fsr-3451	291	9	data	datum	NOUN
fsr-3451	291	10	”	"	PUNCT
fsr-3451	291	11	studies	study	NOUN
fsr-3451	291	12	focusing	focus	VERB
fsr-3451	291	13	on	on	ADP
fsr-3451	291	14	text	text	NOUN
fsr-3451	291	15	conversations	conversation	NOUN
fsr-3451	291	16	in	in	ADP
fsr-3451	291	17	social	social	ADJ
fsr-3451	291	18	media	medium	NOUN
fsr-3451	291	19	.	.	PUNCT
fsr-3451	292	1	160	160	NUM
fsr-3451	292	2	m.	m.	NOUN
fsr-3451	292	3	nourallah	nourallah	PROPN
fsr-3451	292	4	et	et	PROPN
fsr-3451	292	5	al	al	PROPN
fsr-3451	292	6	.	.	PUNCT
fsr-3451	292	7	/	/	SYM
fsr-3451	292	8	financial	financial	ADJ
fsr-3451	292	9	services	service	NOUN
fsr-3451	292	10	review	review	VERB
fsr-3451	292	11	29	29	NUM
fsr-3451	292	12	(	(	PUNCT
fsr-3451	292	13	2021	2021	NUM
fsr-3451	292	14	)	)	PUNCT
fsr-3451	292	15	147–167	147–167	NUM
fsr-3451	292	16	raza	raza	NOUN
fsr-3451	292	17	et	et	PROPN
fsr-3451	292	18	al	al	PROPN
fsr-3451	292	19	.	.	PROPN
fsr-3451	293	1	(	(	PUNCT
fsr-3451	293	2	2015	2015	NUM
fsr-3451	293	3	)	)	PUNCT
fsr-3451	293	4	find	find	VERB
fsr-3451	293	5	that	that	SCONJ
fsr-3451	293	6	reliability	reliability	NOUN
fsr-3451	293	7	is	be	AUX
fsr-3451	293	8	related	relate	VERB
fsr-3451	293	9	to	to	ADP
fsr-3451	293	10	customer	customer	NOUN
fsr-3451	293	11	satisfaction	satisfaction	NOUN
fsr-3451	293	12	,	,	PUNCT
fsr-3451	293	13	which	which	PRON
fsr-3451	293	14	was	be	AUX
fsr-3451	293	15	not	not	PART
fsr-3451	293	16	supported	support	VERB
fsr-3451	293	17	by	by	ADP
fsr-3451	293	18	the	the	DET
fsr-3451	293	19	current	current	ADJ
fsr-3451	293	20	study	study	NOUN
fsr-3451	293	21	.	.	PUNCT
fsr-3451	294	1	a	a	DET
fsr-3451	294	2	suggested	suggest	VERB
fsr-3451	294	3	area	area	NOUN
fsr-3451	294	4	for	for	ADP
fsr-3451	294	5	future	future	ADJ
fsr-3451	294	6	studies	study	NOUN
fsr-3451	294	7	would	would	AUX
fsr-3451	294	8	accordingly	accordingly	ADV
fsr-3451	294	9	be	be	AUX
fsr-3451	294	10	to	to	PART
fsr-3451	294	11	explore	explore	VERB
fsr-3451	294	12	additional	additional	ADJ
fsr-3451	294	13	aspects	aspect	NOUN
fsr-3451	294	14	of	of	ADP
fsr-3451	294	15	reliability	reliability	NOUN
fsr-3451	294	16	in	in	ADP
fsr-3451	294	17	the	the	DET
fsr-3451	294	18	mba	mba	NOUN
fsr-3451	294	19	context	context	NOUN
fsr-3451	294	20	.	.	PUNCT
fsr-3451	295	1	it	it	PRON
fsr-3451	295	2	is	be	AUX
fsr-3451	295	3	also	also	ADV
fsr-3451	295	4	recommended	recommend	VERB
fsr-3451	295	5	that	that	SCONJ
fsr-3451	295	6	further	further	ADJ
fsr-3451	295	7	studies	study	NOUN
fsr-3451	295	8	should	should	AUX
fsr-3451	295	9	cover	cover	VERB
fsr-3451	295	10	related	related	ADJ
fsr-3451	295	11	issues	issue	NOUN
fsr-3451	295	12	such	such	ADJ
fsr-3451	295	13	as	as	ADP
fsr-3451	295	14	privacy	privacy	NOUN
fsr-3451	295	15	and	and	CCONJ
fsr-3451	295	16	security	security	NOUN
fsr-3451	295	17	.	.	PUNCT
fsr-3451	296	1	notes	note	NOUN
fsr-3451	296	2	1	1	NUM
fsr-3451	296	3	including	include	VERB
fsr-3451	296	4	four	four	NUM
fsr-3451	296	5	large	large	ADJ
fsr-3451	296	6	private	private	ADJ
fsr-3451	296	7	banks	bank	NOUN
fsr-3451	296	8	:	:	PUNCT
fsr-3451	296	9	deutsche	deutsche	PROPN
fsr-3451	296	10	bank	bank	PROPN
fsr-3451	296	11	,	,	PUNCT
fsr-3451	296	12	dresdner	dresdner	PROPN
fsr-3451	296	13	bank	bank	PROPN
fsr-3451	296	14	,	,	PUNCT
fsr-3451	296	15	hypoverein	hypoverein	PROPN
fsr-3451	296	16	bank	bank	PROPN
fsr-3451	296	17	,	,	PUNCT
fsr-3451	296	18	and	and	CCONJ
fsr-3451	296	19	commerzbank	commerzbank	NOUN
fsr-3451	296	20	.	.	PROPN
fsr-3451	296	21	2	2	NUM
fsr-3451	296	22	since	since	SCONJ
fsr-3451	296	23	some	some	DET
fsr-3451	296	24	respondents	respondent	NOUN
fsr-3451	296	25	use	use	VERB
fsr-3451	296	26	more	more	ADJ
fsr-3451	296	27	than	than	ADP
fsr-3451	296	28	one	one	NUM
fsr-3451	296	29	mba	mba	NOUN
fsr-3451	296	30	,	,	PUNCT
fsr-3451	296	31	the	the	DET
fsr-3451	296	32	original	original	ADJ
fsr-3451	296	33	questionnaire	questionnaire	NOUN
fsr-3451	296	34	asked	ask	VERB
fsr-3451	296	35	those	those	PRON
fsr-3451	296	36	to	to	PART
fsr-3451	296	37	answer	answer	VERB
fsr-3451	296	38	part	part	PROPN
fsr-3451	296	39	ii	ii	PROPN
fsr-3451	296	40	based	base	VERB
fsr-3451	296	41	on	on	ADP
fsr-3451	296	42	their	their	PRON
fsr-3451	296	43	experience	experience	NOUN
fsr-3451	296	44	on	on	ADP
fsr-3451	296	45	the	the	DET
fsr-3451	296	46	main	main	ADJ
fsr-3451	296	47	mba	mba	NOUN
fsr-3451	296	48	they	they	PRON
fsr-3451	296	49	use	use	VERB
fsr-3451	296	50	.	.	PUNCT
fsr-3451	297	1	m.	m.	NOUN
fsr-3451	297	2	nourallah	nourallah	PROPN
fsr-3451	297	3	et	et	PROPN
fsr-3451	297	4	al	al	PROPN
fsr-3451	297	5	.	.	PUNCT
fsr-3451	298	1	/	/	SYM
fsr-3451	298	2	financial	financial	ADJ
fsr-3451	298	3	services	service	NOUN
fsr-3451	298	4	review	review	VERB
fsr-3451	298	5	29	29	NUM
fsr-3451	298	6	(	(	PUNCT
fsr-3451	298	7	2021	2021	NUM
fsr-3451	298	8	)	)	PUNCT
fsr-3451	298	9	147–167	147–167	NUM
fsr-3451	298	10	161	161	NUM
fsr-3451	298	11	the	the	DET
fsr-3451	298	12	appendix	appendix	NOUN
fsr-3451	298	13	:	:	PUNCT
fsr-3451	298	14	the	the	DET
fsr-3451	298	15	final	final	ADJ
fsr-3451	298	16	questionnaire	questionnaire	NOUN
fsr-3451	298	17	part	part	NOUN
fsr-3451	298	18	i.	i.	NOUN
fsr-3451	298	19	background	background	PROPN
fsr-3451	298	20	including	include	VERB
fsr-3451	298	21	demographic	demographic	ADJ
fsr-3451	298	22	variables	variable	NOUN
fsr-3451	298	23	variables	variable	NOUN
fsr-3451	298	24	frequency	frequency	NOUN
fsr-3451	298	25	(	(	PUNCT
fsr-3451	298	26	number	number	NOUN
fsr-3451	298	27	)	)	PUNCT
fsr-3451	298	28	frequency	frequency	NOUN
fsr-3451	298	29	(	(	PUNCT
fsr-3451	298	30	%	%	INTJ
fsr-3451	298	31	)	)	PUNCT
fsr-3451	298	32	cumulative	cumulative	ADJ
fsr-3451	298	33	(	(	PUNCT
fsr-3451	298	34	%	%	NOUN
fsr-3451	298	35	)	)	PUNCT
fsr-3451	298	36	age	age	NOUN
fsr-3451	298	37	18–23	18–23	NUM
fsr-3451	298	38	years	year	NOUN
fsr-3451	298	39	105	105	NUM
fsr-3451	298	40	71.9	71.9	NUM
fsr-3451	298	41	%	%	NOUN
fsr-3451	298	42	71.9	71.9	NUM
fsr-3451	298	43	%	%	NOUN
fsr-3451	298	44	24–29	24–29	NUM
fsr-3451	298	45	years	year	NOUN
fsr-3451	298	46	41	41	NUM
fsr-3451	298	47	28.1	28.1	NUM
fsr-3451	298	48	%	%	NOUN
fsr-3451	298	49	100	100	NUM
fsr-3451	298	50	%	%	NOUN
fsr-3451	298	51	total	total	NOUN
fsr-3451	298	52	146	146	NUM
fsr-3451	298	53	100	100	NUM
fsr-3451	298	54	%	%	NOUN
fsr-3451	298	55	gender	gender	NOUN
fsr-3451	298	56	male	male	NOUN
fsr-3451	298	57	63	63	NUM
fsr-3451	298	58	43.1	43.1	NUM
fsr-3451	298	59	%	%	NOUN
fsr-3451	298	60	43.1	43.1	NUM
fsr-3451	298	61	%	%	NOUN
fsr-3451	298	62	female	female	ADJ
fsr-3451	298	63	81	81	NUM
fsr-3451	298	64	55.5	55.5	NUM
fsr-3451	298	65	%	%	NOUN
fsr-3451	298	66	98.6	98.6	NUM
fsr-3451	298	67	%	%	NOUN
fsr-3451	298	68	prefer	prefer	VERB
fsr-3451	298	69	not	not	PART
fsr-3451	298	70	to	to	PART
fsr-3451	298	71	say	say	VERB
fsr-3451	298	72	2	2	NUM
fsr-3451	298	73	1.4	1.4	NUM
fsr-3451	298	74	%	%	NOUN
fsr-3451	298	75	100	100	NUM
fsr-3451	298	76	%	%	NOUN
fsr-3451	298	77	total	total	NOUN
fsr-3451	298	78	146	146	NUM
fsr-3451	298	79	100	100	NUM
fsr-3451	298	80	%	%	NOUN
fsr-3451	298	81	how	how	SCONJ
fsr-3451	298	82	many	many	ADJ
fsr-3451	298	83	mbas	mbas	NOUN
fsr-3451	298	84	do	do	AUX
fsr-3451	298	85	you	you	PRON
fsr-3451	298	86	use	use	VERB
fsr-3451	298	87	?	?	PUNCT
fsr-3451	299	1	1	1	NUM
fsr-3451	299	2	55	55	NUM
fsr-3451	299	3	37.7	37.7	NUM
fsr-3451	299	4	%	%	NOUN
fsr-3451	299	5	37.7	37.7	NUM
fsr-3451	299	6	%	%	NOUN
fsr-3451	299	7	2	2	NUM
fsr-3451	299	8	42	42	NUM
fsr-3451	299	9	28.7	28.7	NUM
fsr-3451	299	10	%	%	NOUN
fsr-3451	299	11	66.4	66.4	NUM
fsr-3451	299	12	%	%	NOUN
fsr-3451	299	13	3	3	NUM
fsr-3451	299	14	40	40	NUM
fsr-3451	299	15	27.4	27.4	NUM
fsr-3451	299	16	%	%	NOUN
fsr-3451	299	17	93.8	93.8	NUM
fsr-3451	299	18	%	%	NOUN
fsr-3451	299	19	4	4	NUM
fsr-3451	299	20	or	or	CCONJ
fsr-3451	299	21	more	more	ADJ
fsr-3451	299	22	9	9	NUM
fsr-3451	299	23	6.2	6.2	NUM
fsr-3451	299	24	%	%	NOUN
fsr-3451	299	25	100	100	NUM
fsr-3451	299	26	%	%	NOUN
fsr-3451	299	27	total	total	NOUN
fsr-3451	299	28	146	146	NUM
fsr-3451	299	29	100	100	NUM
fsr-3451	299	30	%	%	NOUN
fsr-3451	299	31	how	how	SCONJ
fsr-3451	299	32	long	long	ADV
fsr-3451	299	33	have	have	VERB
fsr-3451	299	34	you	you	PRON
fsr-3451	299	35	usedmbas	usedmbas	ADJ
fsr-3451	299	36	?	?	PROPN
fsr-3451	299	37	1	1	NUM
fsr-3451	299	38	year	year	NOUN
fsr-3451	299	39	–	–	PUNCT
fsr-3451	299	40	under	under	ADP
fsr-3451	299	41	2	2	NUM
fsr-3451	299	42	years	year	NOUN
fsr-3451	299	43	14	14	NUM
fsr-3451	299	44	9.6	9.6	NUM
fsr-3451	299	45	%	%	NOUN
fsr-3451	299	46	9.6	9.6	NUM
fsr-3451	299	47	%	%	NOUN
fsr-3451	299	48	2	2	NUM
fsr-3451	299	49	years	year	NOUN
fsr-3451	299	50	–	–	PUNCT
fsr-3451	299	51	under	under	ADP
fsr-3451	299	52	3	3	NUM
fsr-3451	299	53	years	year	NOUN
fsr-3451	299	54	33	33	NUM
fsr-3451	299	55	22	22	NUM
fsr-3451	299	56	.	.	PUNCT
fsr-3451	300	1	6	6	NUM
fsr-3451	300	2	%	%	NOUN
fsr-3451	300	3	32.2	32.2	NUM
fsr-3451	300	4	%	%	NOUN
fsr-3451	300	5	3	3	NUM
fsr-3451	300	6	years	year	NOUN
fsr-3451	300	7	–	–	PUNCT
fsr-3451	300	8	under	under	ADP
fsr-3451	300	9	4	4	NUM
fsr-3451	300	10	years	year	NOUN
fsr-3451	300	11	35	35	NUM
fsr-3451	300	12	23.9	23.9	NUM
fsr-3451	300	13	%	%	NOUN
fsr-3451	300	14	56.1	56.1	NUM
fsr-3451	300	15	%	%	NOUN
fsr-3451	300	16	4	4	NUM
fsr-3451	300	17	years	year	NOUN
fsr-3451	300	18	or	or	CCONJ
fsr-3451	300	19	more	more	ADJ
fsr-3451	300	20	64	64	NUM
fsr-3451	300	21	43.9	43.9	NUM
fsr-3451	300	22	%	%	NOUN
fsr-3451	300	23	100	100	NUM
fsr-3451	300	24	%	%	NOUN
fsr-3451	300	25	total	total	NOUN
fsr-3451	300	26	146	146	NUM
fsr-3451	300	27	100	100	NUM
fsr-3451	300	28	%	%	NOUN
fsr-3451	300	29	part	part	PROPN
fsr-3451	300	30	ii	ii	PROPN
fsr-3451	300	31	.	.	PUNCT
fsr-3451	301	1	usability	usability	NOUN
fsr-3451	301	2	,	,	PUNCT
fsr-3451	301	3	responsiveness	responsiveness	NOUN
fsr-3451	301	4	,	,	PUNCT
fsr-3451	301	5	customer	customer	NOUN
fsr-3451	301	6	satisfaction	satisfaction	NOUN
fsr-3451	301	7	,	,	PUNCT
fsr-3451	301	8	reliability	reliability	NOUN
fsr-3451	301	9	,	,	PUNCT
fsr-3451	301	10	and	and	CCONJ
fsr-3451	301	11	loyalty2	loyalty2	NOUN
fsr-3451	301	12	usability	usability	NOUN
fsr-3451	301	13	usa	usa	PROPN
fsr-3451	301	14	1	1	NUM
fsr-3451	301	15	it	it	PRON
fsr-3451	301	16	was	be	AUX
fsr-3451	301	17	easy	easy	ADJ
fsr-3451	301	18	to	to	PART
fsr-3451	301	19	use	use	VERB
fsr-3451	301	20	the	the	DET
fsr-3451	301	21	mba	mba	NOUN
fsr-3451	301	22	when	when	SCONJ
fsr-3451	301	23	i	i	PRON
fsr-3451	301	24	used	use	VERB
fsr-3451	301	25	it	it	PRON
fsr-3451	301	26	for	for	ADP
fsr-3451	301	27	the	the	DET
fsr-3451	301	28	first	first	ADJ
fsr-3451	301	29	time	time	NOUN
fsr-3451	301	30	.	.	PUNCT
fsr-3451	302	1	casaló	casaló	PROPN
fsr-3451	302	2	et	et	PROPN
fsr-3451	302	3	al	al	PROPN
fsr-3451	302	4	.	.	PROPN
fsr-3451	303	1	(	(	PUNCT
fsr-3451	303	2	2008	2008	NUM
fsr-3451	303	3	)	)	PUNCT
fsr-3451	303	4	usa	usa	PROPN
fsr-3451	303	5	2	2	NUM
fsr-3451	303	6	it	it	PRON
fsr-3451	303	7	is	be	AUX
fsr-3451	303	8	easy	easy	ADJ
fsr-3451	303	9	to	to	PART
fsr-3451	303	10	find	find	VERB
fsr-3451	303	11	the	the	DET
fsr-3451	303	12	information	information	NOUN
fsr-3451	303	13	i	i	PRON
fsr-3451	303	14	need	need	VERB
fsr-3451	303	15	from	from	ADP
fsr-3451	303	16	the	the	DET
fsr-3451	303	17	mba	mba	PROPN
fsr-3451	303	18	.	.	PUNCT
fsr-3451	304	1	usa	usa	PROPN
fsr-3451	304	2	3	3	NUM
fsr-3451	304	3	it	it	PRON
fsr-3451	304	4	is	be	AUX
fsr-3451	304	5	easy	easy	ADJ
fsr-3451	304	6	to	to	PART
fsr-3451	304	7	navigate	navigate	VERB
fsr-3451	304	8	in	in	ADP
fsr-3451	304	9	the	the	DET
fsr-3451	304	10	mba	mba	NOUN
fsr-3451	304	11	.	.	PUNCT
fsr-3451	305	1	usa	usa	PROPN
fsr-3451	305	2	4	4	NUM
fsr-3451	305	3	it	it	PRON
fsr-3451	305	4	is	be	AUX
fsr-3451	305	5	easy	easy	ADJ
fsr-3451	305	6	to	to	PART
fsr-3451	305	7	carry	carry	VERB
fsr-3451	305	8	out	out	ADP
fsr-3451	305	9	transactions	transaction	NOUN
fsr-3451	305	10	in	in	ADP
fsr-3451	305	11	the	the	DET
fsr-3451	305	12	mba	mba	NOUN
fsr-3451	305	13	.	.	PUNCT
fsr-3451	306	1	usa	usa	PROPN
fsr-3451	306	2	5	5	NUM
fsr-3451	306	3	transactions	transaction	NOUN
fsr-3451	306	4	can	can	AUX
fsr-3451	306	5	be	be	AUX
fsr-3451	306	6	carried	carry	VERB
fsr-3451	306	7	out	out	ADP
fsr-3451	306	8	quickly	quickly	ADV
fsr-3451	306	9	in	in	ADP
fsr-3451	306	10	the	the	DET
fsr-3451	306	11	mba	mba	PROPN
fsr-3451	306	12	.	.	PUNCT
fsr-3451	307	1	responsiveness	responsiveness	NOUN
fsr-3451	307	2	res	re	VERB
fsr-3451	307	3	1	1	NUM
fsr-3451	307	4	the	the	DET
fsr-3451	307	5	mba	mba	NOUN
fsr-3451	307	6	responds	respond	VERB
fsr-3451	307	7	quickly	quickly	ADV
fsr-3451	307	8	to	to	ADP
fsr-3451	307	9	my	my	PRON
fsr-3451	307	10	questions	question	NOUN
fsr-3451	307	11	.	.	PUNCT
fsr-3451	308	1	lin	lin	PROPN
fsr-3451	308	2	(	(	PUNCT
fsr-3451	308	3	2013	2013	NUM
fsr-3451	308	4	)	)	PUNCT
fsr-3451	308	5	and	and	CCONJ
fsr-3451	308	6	malaquias	malaquia	NOUN
fsr-3451	308	7	and	and	CCONJ
fsr-3451	308	8	hwang	hwang	PROPN
fsr-3451	308	9	(	(	PUNCT
fsr-3451	308	10	2019	2019	NUM
fsr-3451	308	11	)	)	PUNCT
fsr-3451	308	12	res	re	VERB
fsr-3451	308	13	2	2	NUM
fsr-3451	308	14	the	the	DET
fsr-3451	308	15	different	different	ADJ
fsr-3451	308	16	communication	communication	NOUN
fsr-3451	308	17	channels	channel	NOUN
fsr-3451	308	18	in	in	ADP
fsr-3451	308	19	the	the	DET
fsr-3451	308	20	mba	mba	NOUN
fsr-3451	308	21	help	help	VERB
fsr-3451	308	22	me	i	PRON
fsr-3451	308	23	to	to	PART
fsr-3451	308	24	solve	solve	VERB
fsr-3451	308	25	my	my	PRON
fsr-3451	308	26	problems	problem	NOUN
fsr-3451	308	27	.	.	PUNCT
fsr-3451	309	1	res	re	NOUN
fsr-3451	309	2	3	3	NUM
fsr-3451	309	3	the	the	DET
fsr-3451	309	4	mba	mba	NOUN
fsr-3451	309	5	provides	provide	VERB
fsr-3451	309	6	opportunities	opportunity	NOUN
fsr-3451	309	7	to	to	PART
fsr-3451	309	8	ask	ask	VERB
fsr-3451	309	9	for	for	ADP
fsr-3451	309	10	help	help	NOUN
fsr-3451	309	11	.	.	PUNCT
fsr-3451	310	1	customer	customer	NOUN
fsr-3451	310	2	satisfaction	satisfaction	NOUN
fsr-3451	310	3	sat	sit	VERB
fsr-3451	310	4	1	1	NUM
fsr-3451	310	5	the	the	DET
fsr-3451	310	6	mba	mba	NOUN
fsr-3451	310	7	always	always	ADV
fsr-3451	310	8	meets	meet	VERB
fsr-3451	310	9	my	my	PRON
fsr-3451	310	10	expectations	expectation	NOUN
fsr-3451	310	11	.	.	PUNCT
fsr-3451	311	1	aydin	aydin	NOUN
fsr-3451	311	2	and	and	CCONJ
fsr-3451	311	3	özer	özer	NOUN
fsr-3451	311	4	(	(	PUNCT
fsr-3451	311	5	2005)sat	2005)sat	NUM
fsr-3451	311	6	2	2	NUM
fsr-3451	311	7	i	i	PRON
fsr-3451	311	8	am	be	AUX
fsr-3451	311	9	very	very	ADV
fsr-3451	311	10	pleased	pleased	ADJ
fsr-3451	311	11	with	with	ADP
fsr-3451	311	12	the	the	DET
fsr-3451	311	13	mba	mba	NOUN
fsr-3451	311	14	.	.	PUNCT
fsr-3451	312	1	reliability	reliability	NOUN
fsr-3451	312	2	rel	rel	NOUN
fsr-3451	312	3	1	1	NUM
fsr-3451	312	4	it	it	PRON
fsr-3451	312	5	is	be	AUX
fsr-3451	312	6	reliable	reliable	ADJ
fsr-3451	312	7	to	to	PART
fsr-3451	312	8	transfer	transfer	VERB
fsr-3451	312	9	money	money	NOUN
fsr-3451	312	10	in	in	ADP
fsr-3451	312	11	the	the	DET
fsr-3451	312	12	mba	mba	NOUN
fsr-3451	312	13	.	.	PUNCT
fsr-3451	313	1	lin	lin	PROPN
fsr-3451	313	2	(	(	PUNCT
fsr-3451	313	3	2013	2013	NUM
fsr-3451	313	4	)	)	PUNCT
fsr-3451	313	5	rel	rel	NOUN
fsr-3451	313	6	2	2	NUM
fsr-3451	313	7	i	i	PRON
fsr-3451	313	8	can	can	AUX
fsr-3451	313	9	trust	trust	VERB
fsr-3451	313	10	that	that	SCONJ
fsr-3451	313	11	the	the	DET
fsr-3451	313	12	account	account	NOUN
fsr-3451	313	13	information	information	NOUN
fsr-3451	313	14	in	in	ADP
fsr-3451	313	15	the	the	DET
fsr-3451	313	16	mba	mba	NOUN
fsr-3451	313	17	is	be	AUX
fsr-3451	313	18	correct	correct	ADJ
fsr-3451	313	19	.	.	PUNCT
fsr-3451	314	1	rel	rel	NOUN
fsr-3451	314	2	3	3	NUM
fsr-3451	314	3	it	it	PRON
fsr-3451	314	4	is	be	AUX
fsr-3451	314	5	reliable	reliable	ADJ
fsr-3451	314	6	to	to	PART
fsr-3451	314	7	pay	pay	VERB
fsr-3451	314	8	bills	bill	NOUN
fsr-3451	314	9	in	in	ADP
fsr-3451	314	10	the	the	DET
fsr-3451	314	11	mba	mba	NOUN
fsr-3451	315	1	.	.	PUNCT
fsr-3451	315	2	loyalty	loyalty	NOUN
fsr-3451	316	1	loy	loy	PROPN
fsr-3451	316	2	1	1	NUM
fsr-3451	317	1	i	i	PRON
fsr-3451	317	2	am	be	AUX
fsr-3451	317	3	committed	commit	VERB
fsr-3451	317	4	to	to	ADP
fsr-3451	317	5	the	the	DET
fsr-3451	317	6	mba	mba	PROPN
fsr-3451	317	7	.	.	PUNCT
fsr-3451	318	1	chaudhuri	chaudhuri	PROPN
fsr-3451	318	2	and	and	CCONJ
fsr-3451	318	3	holbrook	holbrook	PROPN
fsr-3451	318	4	(	(	PUNCT
fsr-3451	318	5	2001	2001	NUM
fsr-3451	318	6	)	)	PUNCT
fsr-3451	319	1	loy	loy	NOUN
fsr-3451	319	2	2	2	NUM
fsr-3451	319	3	i	i	PRON
fsr-3451	319	4	carry	carry	VERB
fsr-3451	319	5	out	out	ADP
fsr-3451	319	6	all	all	DET
fsr-3451	319	7	my	my	PRON
fsr-3451	319	8	banking	banking	NOUN
fsr-3451	319	9	transactions	transaction	NOUN
fsr-3451	319	10	via	via	ADP
fsr-3451	319	11	the	the	DET
fsr-3451	319	12	mba	mba	NOUN
fsr-3451	319	13	.	.	PUNCT
fsr-3451	320	1	wirtz	wirtz	PROPN
fsr-3451	320	2	et	et	PROPN
fsr-3451	320	3	al	al	PROPN
fsr-3451	320	4	.	.	PROPN
fsr-3451	321	1	(	(	PUNCT
fsr-3451	321	2	2007	2007	NUM
fsr-3451	321	3	)	)	PUNCT
fsr-3451	321	4	note	note	NOUN
fsr-3451	321	5	:	:	PUNCT
fsr-3451	321	6	mba	mba	NOUN
fsr-3451	321	7	=	=	SYM
fsr-3451	321	8	mobile	mobile	PROPN
fsr-3451	321	9	bank	bank	NOUN
fsr-3451	321	10	applications	application	NOUN
fsr-3451	321	11	.	.	PUNCT
fsr-3451	322	1	162	162	NUM
fsr-3451	322	2	m.	m.	NOUN
fsr-3451	322	3	nourallah	nourallah	PROPN
fsr-3451	322	4	et	et	PROPN
fsr-3451	322	5	al	al	PROPN
fsr-3451	322	6	.	.	PUNCT
fsr-3451	322	7	/	/	SYM
fsr-3451	322	8	financial	financial	ADJ
fsr-3451	322	9	services	service	NOUN
fsr-3451	322	10	review	review	VERB
fsr-3451	322	11	29	29	NUM
fsr-3451	322	12	(	(	PUNCT
fsr-3451	322	13	2021	2021	NUM
fsr-3451	322	14	)	)	PUNCT
fsr-3451	322	15	147–167	147–167	NUM
fsr-3451	322	16	acknowledgment	acknowledgment	NOUN
fsr-3451	322	17	a	a	DET
fsr-3451	322	18	preliminary	preliminary	ADJ
fsr-3451	322	19	version	version	NOUN
fsr-3451	322	20	of	of	ADP
fsr-3451	322	21	this	this	DET
fsr-3451	322	22	study	study	NOUN
fsr-3451	322	23	was	be	AUX
fsr-3451	322	24	presented	present	VERB
fsr-3451	322	25	at	at	ADP
fsr-3451	322	26	the	the	DET
fsr-3451	322	27	10th	10th	ADJ
fsr-3451	322	28	nordic	nordic	ADJ
fsr-3451	322	29	workshop	workshop	NOUN
fsr-3451	322	30	on	on	ADP
fsr-3451	322	31	relationship	relationship	NOUN
fsr-3451	322	32	dynamics	dynamic	NOUN
fsr-3451	322	33	–	–	PUNCT
fsr-3451	322	34	nord2018	nord2018	NOUN
fsr-3451	322	35	,	,	PUNCT
fsr-3451	322	36	karlstad	karlstad	PROPN
fsr-3451	322	37	,	,	PUNCT
fsr-3451	322	38	sweden	sweden	PROPN
fsr-3451	322	39	,	,	PUNCT
fsr-3451	322	40	september	september	PROPN
fsr-3451	322	41	19–21	19–21	NUM
fsr-3451	322	42	,	,	PUNCT
fsr-3451	322	43	2018	2018	NUM
fsr-3451	322	44	,	,	PUNCT
fsr-3451	322	45	under	under	ADP
fsr-3451	322	46	the	the	DET
fsr-3451	322	47	title	title	NOUN
fsr-3451	322	48	:	:	PUNCT
fsr-3451	322	49	“	"	PUNCT
fsr-3451	322	50	mobile	mobile	ADJ
fsr-3451	322	51	bank	bank	NOUN
fsr-3451	322	52	applications	application	NOUN
fsr-3451	322	53	:	:	PUNCT
fsr-3451	322	54	an	an	DET
fsr-3451	322	55	empirical	empirical	ADJ
fsr-3451	322	56	study	study	NOUN
fsr-3451	322	57	of	of	ADP
fsr-3451	322	58	young	young	ADJ
fsr-3451	322	59	bank	bank	NOUN
fsr-3451	322	60	customers	customer	NOUN
fsr-3451	322	61	.	.	PUNCT
fsr-3451	322	62	”	"	PUNCT
fsr-3451	323	1	the	the	DET
fsr-3451	323	2	authors	author	NOUN
fsr-3451	323	3	would	would	AUX
fsr-3451	323	4	like	like	VERB
fsr-3451	323	5	to	to	PART
fsr-3451	323	6	thank	thank	VERB
fsr-3451	323	7	the	the	DET
fsr-3451	323	8	conference	conference	NOUN
fsr-3451	323	9	participants	participant	NOUN
fsr-3451	323	10	for	for	ADP
fsr-3451	323	11	their	their	PRON
fsr-3451	323	12	valuable	valuable	ADJ
fsr-3451	323	13	comments	comment	NOUN
fsr-3451	323	14	.	.	PUNCT
fsr-3451	324	1	also	also	ADV
fsr-3451	324	2	,	,	PUNCT
fsr-3451	324	3	the	the	DET
fsr-3451	324	4	authors	author	NOUN
fsr-3451	324	5	would	would	AUX
fsr-3451	324	6	like	like	VERB
fsr-3451	324	7	to	to	PART
fsr-3451	324	8	thank	thank	VERB
fsr-3451	324	9	the	the	DET
fsr-3451	324	10	two	two	NUM
fsr-3451	324	11	anonymous	anonymous	ADJ
fsr-3451	324	12	reviewers	reviewer	NOUN
fsr-3451	324	13	for	for	ADP
fsr-3451	324	14	their	their	PRON
fsr-3451	324	15	helpful	helpful	ADJ
fsr-3451	324	16	comments	comment	NOUN
fsr-3451	324	17	.	.	PUNCT
fsr-3451	325	1	references	reference	NOUN
fsr-3451	325	2	accenture	accenture	NOUN
fsr-3451	325	3	.	.	PUNCT
fsr-3451	326	1	(	(	PUNCT
fsr-3451	326	2	2015	2015	NUM
fsr-3451	326	3	)	)	PUNCT
fsr-3451	326	4	.	.	PUNCT
fsr-3451	327	1	banking	banking	NOUN
fsr-3451	327	2	shaped	shape	VERB
fsr-3451	327	3	by	by	ADP
fsr-3451	327	4	the	the	DET
fsr-3451	327	5	customer	customer	NOUN
fsr-3451	327	6	.	.	PUNCT
fsr-3451	328	1	(	(	PUNCT
fsr-3451	328	2	available	available	ADJ
fsr-3451	328	3	at	at	ADP
fsr-3451	328	4	https://www.accenture.com/us-en/;/media/	https://www.accenture.com/us-en/;/media/	PROPN
fsr-3451	328	5	accenture	accenture	PROPN
fsr-3451	328	6	/	/	SYM
fsr-3451	328	7	conversion	conversion	NOUN
fsr-3451	328	8	-	-	PUNCT
fsr-3451	328	9	assets	asset	NOUN
fsr-3451	328	10	/	/	SYM
fsr-3451	328	11	microsites	microsite	NOUN
fsr-3451	328	12	/	/	SYM
fsr-3451	328	13	documents17	documents17	NOUN
fsr-3451	328	14	/	/	SYM
fsr-3451	328	15	accenture-2015	accenture-2015	ADJ
fsr-3451	328	16	-	-	PUNCT
fsr-3451	328	17	north	north	NOUN
fsr-3451	328	18	-	-	PUNCT
fsr-3451	328	19	america	america	NOUN
fsr-3451	328	20	-	-	PUNCT
fsr-3451	328	21	consumer	consumer	NOUN
fsr-3451	328	22	-	-	PUNCT
fsr-3451	328	23	banking	banking	NOUN
fsr-3451	328	24	-	-	PUNCT
fsr-3451	328	25	survey.pdf	survey.pdf	NOUN
fsr-3451	328	26	)	)	PUNCT
fsr-3451	328	27	.	.	PUNCT
fsr-3451	329	1	akturan	akturan	PROPN
fsr-3451	329	2	,	,	PUNCT
fsr-3451	329	3	u.	u.	PROPN
fsr-3451	329	4	,	,	PUNCT
fsr-3451	329	5	&	&	CCONJ
fsr-3451	329	6	tezcan	tezcan	PROPN
fsr-3451	329	7	,	,	PUNCT
fsr-3451	329	8	n.	n.	PROPN
fsr-3451	329	9	(	(	PUNCT
fsr-3451	329	10	2012	2012	NUM
fsr-3451	329	11	)	)	PUNCT
fsr-3451	329	12	.	.	PUNCT
fsr-3451	330	1	mobile	mobile	ADJ
fsr-3451	330	2	banking	banking	NOUN
fsr-3451	330	3	adoption	adoption	NOUN
fsr-3451	330	4	of	of	ADP
fsr-3451	330	5	the	the	DET
fsr-3451	330	6	youth	youth	NOUN
fsr-3451	330	7	market	market	NOUN
fsr-3451	330	8	:	:	PUNCT
fsr-3451	330	9	perceptions	perception	NOUN
fsr-3451	330	10	and	and	CCONJ
fsr-3451	330	11	intentions	intention	NOUN
fsr-3451	330	12	.	.	PUNCT
fsr-3451	331	1	marketing	marketing	NOUN
fsr-3451	331	2	intelligence	intelligence	PROPN
fsr-3451	331	3	&	&	CCONJ
fsr-3451	331	4	planning	planning	NOUN
fsr-3451	331	5	,	,	PUNCT
fsr-3451	331	6	30	30	NUM
fsr-3451	331	7	,	,	PUNCT
fsr-3451	331	8	444	444	NUM
fsr-3451	331	9	-	-	SYM
fsr-3451	331	10	459	459	NUM
fsr-3451	331	11	.	.	PUNCT
fsr-3451	331	12	amin	amin	PROPN
fsr-3451	331	13	,	,	PUNCT
fsr-3451	331	14	m.	m.	NOUN
fsr-3451	331	15	(	(	PUNCT
fsr-3451	331	16	2016	2016	NUM
fsr-3451	331	17	)	)	PUNCT
fsr-3451	331	18	.	.	PUNCT
fsr-3451	332	1	internet	internet	NOUN
fsr-3451	332	2	banking	banking	NOUN
fsr-3451	332	3	service	service	NOUN
fsr-3451	332	4	quality	quality	NOUN
fsr-3451	332	5	and	and	CCONJ
fsr-3451	332	6	its	its	PRON
fsr-3451	332	7	implication	implication	NOUN
fsr-3451	332	8	on	on	ADP
fsr-3451	332	9	e	e	NOUN
fsr-3451	332	10	-	-	NOUN
fsr-3451	332	11	customer	customer	NOUN
fsr-3451	332	12	satisfaction	satisfaction	NOUN
fsr-3451	332	13	and	and	CCONJ
fsr-3451	332	14	e	e	NOUN
fsr-3451	332	15	-	-	NOUN
fsr-3451	332	16	customer	customer	NOUN
fsr-3451	332	17	loyalty	loyalty	NOUN
fsr-3451	332	18	.	.	PUNCT
fsr-3451	333	1	international	international	ADJ
fsr-3451	333	2	journal	journal	PROPN
fsr-3451	333	3	of	of	ADP
fsr-3451	333	4	bank	bank	PROPN
fsr-3451	333	5	marketing	marketing	NOUN
fsr-3451	333	6	,	,	PUNCT
fsr-3451	333	7	34	34	NUM
fsr-3451	333	8	,	,	PUNCT
fsr-3451	333	9	280	280	NUM
fsr-3451	333	10	-	-	SYM
fsr-3451	333	11	306	306	NUM
fsr-3451	333	12	.	.	PUNCT
fsr-3451	334	1	arvidsson	arvidsson	PROPN
fsr-3451	334	2	,	,	PUNCT
fsr-3451	334	3	n.	n.	PROPN
fsr-3451	334	4	(	(	PUNCT
fsr-3451	334	5	2014	2014	NUM
fsr-3451	334	6	)	)	PUNCT
fsr-3451	334	7	.	.	PUNCT
fsr-3451	335	1	consumer	consumer	NOUN
fsr-3451	335	2	attitudes	attitude	NOUN
fsr-3451	335	3	on	on	ADP
fsr-3451	335	4	mobile	mobile	ADJ
fsr-3451	335	5	payment	payment	NOUN
fsr-3451	335	6	services	service	NOUN
fsr-3451	335	7	–	–	PUNCT
fsr-3451	335	8	results	result	NOUN
fsr-3451	335	9	from	from	ADP
fsr-3451	335	10	a	a	DET
fsr-3451	335	11	proof	proof	NOUN
fsr-3451	335	12	of	of	ADP
fsr-3451	335	13	concept	concept	NOUN
fsr-3451	335	14	test	test	NOUN
fsr-3451	335	15	.	.	PUNCT
fsr-3451	336	1	international	international	ADJ
fsr-3451	336	2	journal	journal	PROPN
fsr-3451	336	3	of	of	ADP
fsr-3451	336	4	bank	bank	PROPN
fsr-3451	336	5	marketing	marketing	NOUN
fsr-3451	336	6	,	,	PUNCT
fsr-3451	336	7	32	32	NUM
fsr-3451	336	8	,	,	PUNCT
fsr-3451	336	9	150	150	NUM
fsr-3451	336	10	-	-	SYM
fsr-3451	336	11	170	170	NUM
fsr-3451	336	12	.	.	PUNCT
fsr-3451	337	1	aydin	aydin	NOUN
fsr-3451	337	2	,	,	PUNCT
fsr-3451	337	3	a.	a.	PROPN
fsr-3451	337	4	e.	e.	PROPN
fsr-3451	337	5	,	,	PUNCT
fsr-3451	337	6	&	&	CCONJ
fsr-3451	337	7	akben	akben	PROPN
fsr-3451	337	8	selcuk	selcuk	PROPN
fsr-3451	337	9	,	,	PUNCT
fsr-3451	337	10	e.	e.	PROPN
fsr-3451	337	11	(	(	PUNCT
fsr-3451	337	12	2019	2019	NUM
fsr-3451	337	13	)	)	PUNCT
fsr-3451	337	14	.	.	PUNCT
fsr-3451	338	1	an	an	DET
fsr-3451	338	2	investigation	investigation	NOUN
fsr-3451	338	3	of	of	ADP
fsr-3451	338	4	financial	financial	ADJ
fsr-3451	338	5	literacy	literacy	NOUN
fsr-3451	338	6	,	,	PUNCT
fsr-3451	338	7	money	money	NOUN
fsr-3451	338	8	ethics	ethic	NOUN
fsr-3451	338	9	and	and	CCONJ
fsr-3451	338	10	time	time	NOUN
fsr-3451	338	11	preferences	preference	NOUN
fsr-3451	338	12	among	among	ADP
fsr-3451	338	13	college	college	NOUN
fsr-3451	338	14	students	student	NOUN
fsr-3451	338	15	:	:	PUNCT
fsr-3451	338	16	a	a	DET
fsr-3451	338	17	structural	structural	ADJ
fsr-3451	338	18	equation	equation	NOUN
fsr-3451	338	19	model	model	NOUN
fsr-3451	338	20	.	.	PUNCT
fsr-3451	339	1	international	international	ADJ
fsr-3451	339	2	journal	journal	PROPN
fsr-3451	339	3	of	of	ADP
fsr-3451	339	4	bank	bank	PROPN
fsr-3451	339	5	marketing	marketing	NOUN
fsr-3451	339	6	,	,	PUNCT
fsr-3451	339	7	37	37	NUM
fsr-3451	339	8	,	,	PUNCT
fsr-3451	339	9	880900	880900	NUM
fsr-3451	339	10	.	.	PUNCT
fsr-3451	340	1	aydin	aydin	NOUN
fsr-3451	340	2	,	,	PUNCT
fsr-3451	340	3	s.	s.	PROPN
fsr-3451	340	4	,	,	PUNCT
fsr-3451	340	5	&	&	CCONJ
fsr-3451	340	6	özer	özer	PROPN
fsr-3451	340	7	,	,	PUNCT
fsr-3451	340	8	g.	g.	PROPN
fsr-3451	340	9	(	(	PUNCT
fsr-3451	340	10	2005	2005	NUM
fsr-3451	340	11	)	)	PUNCT
fsr-3451	340	12	.	.	PUNCT
fsr-3451	341	1	national	national	ADJ
fsr-3451	341	2	customer	customer	NOUN
fsr-3451	341	3	satisfaction	satisfaction	NOUN
fsr-3451	341	4	indices	index	NOUN
fsr-3451	341	5	:	:	PUNCT
fsr-3451	341	6	an	an	DET
fsr-3451	341	7	implementation	implementation	NOUN
fsr-3451	341	8	in	in	ADP
fsr-3451	341	9	the	the	DET
fsr-3451	341	10	turkish	turkish	ADJ
fsr-3451	341	11	mobile	mobile	ADJ
fsr-3451	341	12	telephone	telephone	NOUN
fsr-3451	341	13	market.marketing	market.markete	VERB
fsr-3451	341	14	intelligence	intelligence	NOUN
fsr-3451	341	15	&	&	CCONJ
fsr-3451	341	16	planning	planning	NOUN
fsr-3451	341	17	,	,	PUNCT
fsr-3451	341	18	23	23	NUM
fsr-3451	341	19	,	,	PUNCT
fsr-3451	341	20	486	486	NUM
fsr-3451	341	21	-	-	SYM
fsr-3451	341	22	504	504	NUM
fsr-3451	341	23	.	.	PUNCT
fsr-3451	342	1	awwad	awwad	PROPN
fsr-3451	342	2	,	,	PUNCT
fsr-3451	342	3	m.	m.	NOUN
fsr-3451	342	4	,	,	PUNCT
fsr-3451	342	5	&	&	CCONJ
fsr-3451	342	6	awad	awad	PROPN
fsr-3451	342	7	neimat	neimat	PROPN
fsr-3451	342	8	,	,	PUNCT
fsr-3451	342	9	b.	b.	PROPN
fsr-3451	342	10	(	(	PUNCT
fsr-3451	342	11	2010	2010	NUM
fsr-3451	342	12	)	)	PUNCT
fsr-3451	342	13	.	.	PUNCT
fsr-3451	343	1	factors	factor	NOUN
fsr-3451	343	2	affecting	affect	VERB
fsr-3451	343	3	switching	switch	VERB
fsr-3451	343	4	behavior	behavior	NOUN
fsr-3451	343	5	of	of	ADP
fsr-3451	343	6	mobile	mobile	ADJ
fsr-3451	343	7	service	service	NOUN
fsr-3451	343	8	users	user	NOUN
fsr-3451	343	9	:	:	PUNCT
fsr-3451	343	10	the	the	DET
fsr-3451	343	11	case	case	NOUN
fsr-3451	343	12	of	of	ADP
fsr-3451	343	13	jordan	jordan	PROPN
fsr-3451	343	14	.	.	PUNCT
fsr-3451	344	1	journal	journal	PROPN
fsr-3451	344	2	of	of	ADP
fsr-3451	344	3	economic	economic	ADJ
fsr-3451	344	4	and	and	CCONJ
fsr-3451	344	5	administrative	administrative	ADJ
fsr-3451	344	6	sciences	science	NOUN
fsr-3451	344	7	,	,	PUNCT
fsr-3451	344	8	26	26	NUM
fsr-3451	344	9	,	,	PUNCT
fsr-3451	344	10	27	27	NUM
fsr-3451	344	11	-	-	SYM
fsr-3451	344	12	51	51	NUM
fsr-3451	344	13	.	.	PUNCT
fsr-3451	345	1	bagozzi	bagozzi	PROPN
fsr-3451	345	2	,	,	PUNCT
fsr-3451	345	3	r.	r.	PROPN
fsr-3451	345	4	p.	p.	PROPN
fsr-3451	345	5	,	,	PUNCT
fsr-3451	345	6	&	&	CCONJ
fsr-3451	345	7	yi	yi	PROPN
fsr-3451	345	8	,	,	PUNCT
fsr-3451	345	9	y.	y.	PROPN
fsr-3451	345	10	(	(	PUNCT
fsr-3451	345	11	1988	1988	NUM
fsr-3451	345	12	)	)	PUNCT
fsr-3451	345	13	.	.	PUNCT
fsr-3451	346	1	on	on	ADP
fsr-3451	346	2	the	the	DET
fsr-3451	346	3	evaluation	evaluation	NOUN
fsr-3451	346	4	of	of	ADP
fsr-3451	346	5	structural	structural	ADJ
fsr-3451	346	6	equation	equation	NOUN
fsr-3451	346	7	models	model	NOUN
fsr-3451	346	8	.	.	PUNCT
fsr-3451	347	1	journal	journal	NOUN
fsr-3451	347	2	of	of	ADP
fsr-3451	347	3	the	the	DET
fsr-3451	347	4	academy	academy	NOUN
fsr-3451	347	5	of	of	ADP
fsr-3451	347	6	marketing	marketing	NOUN
fsr-3451	347	7	science	science	NOUN
fsr-3451	347	8	,	,	PUNCT
fsr-3451	347	9	16	16	NUM
fsr-3451	347	10	,	,	PUNCT
fsr-3451	347	11	74	74	NUM
fsr-3451	347	12	-	-	SYM
fsr-3451	347	13	94	94	NUM
fsr-3451	347	14	.	.	PUNCT
fsr-3451	348	1	bauer	bauer	PROPN
fsr-3451	348	2	,	,	PUNCT
fsr-3451	348	3	h.	h.	PROPN
fsr-3451	348	4	h.	h.	PROPN
fsr-3451	348	5	,	,	PUNCT
fsr-3451	348	6	falk	falk	NOUN
fsr-3451	348	7	,	,	PUNCT
fsr-3451	348	8	t.	t.	PROPN
fsr-3451	348	9	,	,	PUNCT
fsr-3451	348	10	&	&	CCONJ
fsr-3451	348	11	hammerschmidt	hammerschmidt	ADJ
fsr-3451	348	12	,	,	PUNCT
fsr-3451	348	13	m.	m.	NOUN
fsr-3451	348	14	(	(	PUNCT
fsr-3451	348	15	2006	2006	NUM
fsr-3451	348	16	)	)	PUNCT
fsr-3451	348	17	.	.	PUNCT
fsr-3451	349	1	etransqual	etransqual	ADJ
fsr-3451	349	2	:	:	PUNCT
fsr-3451	349	3	a	a	DET
fsr-3451	349	4	transaction	transaction	NOUN
fsr-3451	349	5	process	process	NOUN
fsr-3451	349	6	-	-	PUNCT
fsr-3451	349	7	based	base	VERB
fsr-3451	349	8	approach	approach	NOUN
fsr-3451	349	9	for	for	ADP
fsr-3451	349	10	capturing	capture	VERB
fsr-3451	349	11	service	service	NOUN
fsr-3451	349	12	quality	quality	NOUN
fsr-3451	349	13	in	in	ADP
fsr-3451	349	14	online	online	ADJ
fsr-3451	349	15	shopping	shopping	NOUN
fsr-3451	349	16	.	.	PUNCT
fsr-3451	350	1	journal	journal	PROPN
fsr-3451	350	2	of	of	ADP
fsr-3451	350	3	business	business	NOUN
fsr-3451	350	4	research	research	NOUN
fsr-3451	350	5	,	,	PUNCT
fsr-3451	350	6	59	59	NUM
fsr-3451	350	7	,	,	PUNCT
fsr-3451	350	8	866	866	NUM
fsr-3451	350	9	-	-	SYM
fsr-3451	350	10	875	875	NUM
fsr-3451	350	11	.	.	PUNCT
fsr-3451	351	1	benlian	benlian	PROPN
fsr-3451	351	2	,	,	PUNCT
fsr-3451	351	3	a.	a.	PROPN
fsr-3451	351	4	,	,	PUNCT
fsr-3451	351	5	&	&	CCONJ
fsr-3451	351	6	hess	hess	PROPN
fsr-3451	351	7	,	,	PUNCT
fsr-3451	351	8	t.	t.	PROPN
fsr-3451	351	9	(	(	PUNCT
fsr-3451	351	10	2011	2011	NUM
fsr-3451	351	11	)	)	PUNCT
fsr-3451	351	12	.	.	PUNCT
fsr-3451	352	1	the	the	DET
fsr-3451	352	2	signaling	signal	VERB
fsr-3451	352	3	role	role	NOUN
fsr-3451	352	4	of	of	ADP
fsr-3451	352	5	it	it	PRON
fsr-3451	352	6	features	feature	VERB
fsr-3451	352	7	in	in	ADP
fsr-3451	352	8	influencing	influence	VERB
fsr-3451	352	9	trust	trust	NOUN
fsr-3451	352	10	and	and	CCONJ
fsr-3451	352	11	participation	participation	NOUN
fsr-3451	352	12	in	in	ADP
fsr-3451	352	13	online	online	ADJ
fsr-3451	352	14	communities	community	NOUN
fsr-3451	352	15	.	.	PUNCT
fsr-3451	353	1	international	international	ADJ
fsr-3451	353	2	journal	journal	PROPN
fsr-3451	353	3	of	of	ADP
fsr-3451	353	4	electronic	electronic	ADJ
fsr-3451	353	5	commerce	commerce	NOUN
fsr-3451	353	6	,	,	PUNCT
fsr-3451	353	7	15	15	NUM
fsr-3451	353	8	,	,	PUNCT
fsr-3451	353	9	7	7	NUM
fsr-3451	353	10	-	-	SYM
fsr-3451	353	11	56	56	NUM
fsr-3451	353	12	.	.	PUNCT
fsr-3451	354	1	berraies	berraie	NOUN
fsr-3451	354	2	,	,	PUNCT
fsr-3451	354	3	s.	s.	PROPN
fsr-3451	354	4	,	,	PUNCT
fsr-3451	354	5	ben	ben	PROPN
fsr-3451	354	6	yahia	yahia	PROPN
fsr-3451	354	7	,	,	PUNCT
fsr-3451	354	8	k.	k.	PROPN
fsr-3451	354	9	,	,	PUNCT
fsr-3451	354	10	&	&	CCONJ
fsr-3451	354	11	hannachi	hannachi	PROPN
fsr-3451	354	12	,	,	PUNCT
fsr-3451	354	13	m.	m.	NOUN
fsr-3451	354	14	(	(	PUNCT
fsr-3451	354	15	2017	2017	NUM
fsr-3451	354	16	)	)	PUNCT
fsr-3451	354	17	.	.	PUNCT
fsr-3451	355	1	identifying	identify	VERB
fsr-3451	355	2	the	the	DET
fsr-3451	355	3	effects	effect	NOUN
fsr-3451	355	4	of	of	ADP
fsr-3451	355	5	perceived	perceive	VERB
fsr-3451	355	6	values	value	NOUN
fsr-3451	355	7	of	of	ADP
fsr-3451	355	8	mobile	mobile	ADJ
fsr-3451	355	9	banking	banking	NOUN
fsr-3451	355	10	applications	application	NOUN
fsr-3451	355	11	on	on	ADP
fsr-3451	355	12	customers	customer	NOUN
fsr-3451	355	13	.	.	PUNCT
fsr-3451	356	1	international	international	ADJ
fsr-3451	356	2	journal	journal	PROPN
fsr-3451	356	3	of	of	ADP
fsr-3451	356	4	bank	bank	PROPN
fsr-3451	356	5	marketing	marketing	NOUN
fsr-3451	356	6	,	,	PUNCT
fsr-3451	356	7	35	35	NUM
fsr-3451	356	8	,	,	PUNCT
fsr-3451	356	9	1018	1018	NUM
fsr-3451	356	10	-	-	SYM
fsr-3451	356	11	1038	1038	NUM
fsr-3451	356	12	.	.	PUNCT
fsr-3451	357	1	bhattacherjee	bhattacherjee	NOUN
fsr-3451	357	2	,	,	PUNCT
fsr-3451	357	3	a.	a.	NOUN
fsr-3451	357	4	(	(	PUNCT
fsr-3451	357	5	2001	2001	NUM
fsr-3451	357	6	)	)	PUNCT
fsr-3451	357	7	.	.	PUNCT
fsr-3451	358	1	understanding	understand	VERB
fsr-3451	358	2	information	information	NOUN
fsr-3451	358	3	systems	system	NOUN
fsr-3451	358	4	continuance	continuance	NOUN
fsr-3451	358	5	:	:	PUNCT
fsr-3451	358	6	an	an	DET
fsr-3451	358	7	expectation	expectation	NOUN
fsr-3451	358	8	-	-	PUNCT
fsr-3451	358	9	confirmation	confirmation	NOUN
fsr-3451	358	10	model	model	NOUN
fsr-3451	358	11	.	.	PUNCT
fsr-3451	359	1	mis	mis	PROPN
fsr-3451	359	2	quarterly	quarterly	PROPN
fsr-3451	359	3	,	,	PUNCT
fsr-3451	359	4	25	25	NUM
fsr-3451	359	5	,	,	PUNCT
fsr-3451	359	6	351	351	NUM
fsr-3451	359	7	-	-	SYM
fsr-3451	359	8	370	370	NUM
fsr-3451	359	9	.	.	PUNCT
fsr-3451	360	1	brislin	brislin	PROPN
fsr-3451	360	2	,	,	PUNCT
fsr-3451	360	3	r.	r.	PROPN
fsr-3451	360	4	w.	w.	PROPN
fsr-3451	360	5	(	(	PUNCT
fsr-3451	360	6	1970	1970	NUM
fsr-3451	360	7	)	)	PUNCT
fsr-3451	360	8	.	.	PUNCT
fsr-3451	361	1	back	back	NOUN
fsr-3451	361	2	-	-	PUNCT
fsr-3451	361	3	translation	translation	NOUN
fsr-3451	361	4	for	for	ADP
fsr-3451	361	5	cross	cross	ADJ
fsr-3451	361	6	-	-	ADJ
fsr-3451	361	7	cultural	cultural	ADJ
fsr-3451	361	8	research	research	NOUN
fsr-3451	361	9	.	.	PUNCT
fsr-3451	362	1	journal	journal	PROPN
fsr-3451	362	2	of	of	ADP
fsr-3451	362	3	cross	cross	ADJ
fsr-3451	362	4	-	-	ADJ
fsr-3451	362	5	cultural	cultural	ADJ
fsr-3451	362	6	psychology	psychology	NOUN
fsr-3451	362	7	,	,	PUNCT
fsr-3451	362	8	1	1	NUM
fsr-3451	362	9	,	,	PUNCT
fsr-3451	362	10	185	185	NUM
fsr-3451	362	11	-	-	SYM
fsr-3451	362	12	216	216	NUM
fsr-3451	362	13	.	.	PUNCT
fsr-3451	363	1	broderick	broderick	PROPN
fsr-3451	363	2	,	,	PUNCT
fsr-3451	363	3	a.	a.	PROPN
fsr-3451	363	4	j.	j.	PROPN
fsr-3451	363	5	,	,	PUNCT
fsr-3451	363	6	&	&	CCONJ
fsr-3451	363	7	vachirapornpuk	vachirapornpuk	PROPN
fsr-3451	363	8	,	,	PUNCT
fsr-3451	363	9	s.	s.	PROPN
fsr-3451	363	10	(	(	PUNCT
fsr-3451	363	11	2002	2002	NUM
fsr-3451	363	12	)	)	PUNCT
fsr-3451	363	13	.	.	PUNCT
fsr-3451	364	1	service	service	NOUN
fsr-3451	364	2	quality	quality	NOUN
fsr-3451	364	3	in	in	ADP
fsr-3451	364	4	internet	internet	NOUN
fsr-3451	364	5	banking	banking	NOUN
fsr-3451	364	6	:	:	PUNCT
fsr-3451	364	7	the	the	DET
fsr-3451	364	8	importance	importance	NOUN
fsr-3451	364	9	of	of	ADP
fsr-3451	364	10	customer	customer	NOUN
fsr-3451	364	11	role.marketing	role.marketing	NOUN
fsr-3451	364	12	intelligence	intelligence	NOUN
fsr-3451	364	13	&	&	CCONJ
fsr-3451	364	14	planning	planning	NOUN
fsr-3451	364	15	,	,	PUNCT
fsr-3451	364	16	20	20	NUM
fsr-3451	364	17	,	,	PUNCT
fsr-3451	364	18	327	327	NUM
fsr-3451	364	19	-	-	SYM
fsr-3451	364	20	335	335	NUM
fsr-3451	364	21	.	.	PUNCT
fsr-3451	365	1	calisir	calisir	PROPN
fsr-3451	365	2	,	,	PUNCT
fsr-3451	365	3	f.	f.	PROPN
fsr-3451	365	4	,	,	PUNCT
fsr-3451	365	5	&	&	CCONJ
fsr-3451	365	6	gumussoy	gumussoy	PROPN
fsr-3451	365	7	,	,	PUNCT
fsr-3451	365	8	c.	c.	PROPN
fsr-3451	365	9	a.	a.	PROPN
fsr-3451	365	10	(	(	PUNCT
fsr-3451	365	11	2008	2008	NUM
fsr-3451	365	12	)	)	PUNCT
fsr-3451	365	13	.	.	PUNCT
fsr-3451	366	1	internet	internet	NOUN
fsr-3451	366	2	banking	banking	NOUN
fsr-3451	366	3	versus	versus	ADP
fsr-3451	366	4	other	other	ADJ
fsr-3451	366	5	banking	banking	NOUN
fsr-3451	366	6	channels	channel	NOUN
fsr-3451	366	7	:	:	PUNCT
fsr-3451	366	8	young	young	ADJ
fsr-3451	366	9	consumers	consumer	NOUN
fsr-3451	366	10	’	’	PART
fsr-3451	366	11	view	view	NOUN
fsr-3451	366	12	.	.	PUNCT
fsr-3451	367	1	international	international	ADJ
fsr-3451	367	2	journal	journal	PROPN
fsr-3451	367	3	of	of	ADP
fsr-3451	367	4	information	information	NOUN
fsr-3451	367	5	management	management	NOUN
fsr-3451	367	6	,	,	PUNCT
fsr-3451	367	7	28	28	NUM
fsr-3451	367	8	,	,	PUNCT
fsr-3451	367	9	215	215	NUM
fsr-3451	367	10	-	-	SYM
fsr-3451	367	11	221	221	NUM
fsr-3451	367	12	.	.	PUNCT
fsr-3451	368	1	carlander	carlander	NOUN
fsr-3451	368	2	,	,	PUNCT
fsr-3451	368	3	a.	a.	NOUN
fsr-3451	368	4	,	,	PUNCT
fsr-3451	368	5	gamble	gamble	NOUN
fsr-3451	368	6	,	,	PUNCT
fsr-3451	368	7	a.	a.	NOUN
fsr-3451	368	8	,	,	PUNCT
fsr-3451	368	9	garling	garling	NOUN
fsr-3451	368	10	,	,	PUNCT
fsr-3451	368	11	t.	t.	PROPN
fsr-3451	368	12	,	,	PUNCT
fsr-3451	368	13	hauff	hauff	PROPN
fsr-3451	368	14	,	,	PUNCT
fsr-3451	368	15	j.	j.	PROPN
fsr-3451	368	16	c.	c.	PROPN
fsr-3451	368	17	,	,	PUNCT
fsr-3451	368	18	johansson	johansson	PROPN
fsr-3451	368	19	,	,	PUNCT
fsr-3451	368	20	l.	l.	PROPN
fsr-3451	368	21	,	,	PUNCT
fsr-3451	368	22	&	&	CCONJ
fsr-3451	368	23	holmen	holmen	PROPN
fsr-3451	368	24	,	,	PUNCT
fsr-3451	368	25	m.	m.	NOUN
fsr-3451	368	26	(	(	PUNCT
fsr-3451	368	27	2018	2018	NUM
fsr-3451	368	28	)	)	PUNCT
fsr-3451	368	29	.	.	PUNCT
fsr-3451	369	1	the	the	DET
fsr-3451	369	2	role	role	NOUN
fsr-3451	369	3	of	of	ADP
fsr-3451	369	4	perceived	perceive	VERB
fsr-3451	369	5	quality	quality	NOUN
fsr-3451	369	6	of	of	ADP
fsr-3451	369	7	personal	personal	ADJ
fsr-3451	369	8	service	service	NOUN
fsr-3451	369	9	in	in	ADP
fsr-3451	369	10	influencing	influence	VERB
fsr-3451	369	11	trust	trust	NOUN
fsr-3451	369	12	and	and	CCONJ
fsr-3451	369	13	satisfaction	satisfaction	NOUN
fsr-3451	369	14	with	with	ADP
fsr-3451	369	15	banks	bank	NOUN
fsr-3451	369	16	.	.	PUNCT
fsr-3451	370	1	financial	financial	ADJ
fsr-3451	370	2	services	service	NOUN
fsr-3451	370	3	review	review	PROPN
fsr-3451	370	4	,	,	PUNCT
fsr-3451	370	5	27	27	NUM
fsr-3451	370	6	,	,	PUNCT
fsr-3451	370	7	83	83	NUM
fsr-3451	370	8	-	-	SYM
fsr-3451	370	9	98	98	NUM
fsr-3451	370	10	.	.	PUNCT
fsr-3451	371	1	casaló	casaló	PROPN
fsr-3451	371	2	,	,	PUNCT
fsr-3451	371	3	l.	l.	PROPN
fsr-3451	371	4	v.	v.	PROPN
fsr-3451	371	5	,	,	PUNCT
fsr-3451	371	6	flavián	flavián	PROPN
fsr-3451	371	7	,	,	PUNCT
fsr-3451	371	8	c.	c.	PROPN
fsr-3451	371	9	,	,	PUNCT
fsr-3451	371	10	&	&	CCONJ
fsr-3451	371	11	guinalı́u	guinalı́u	PROPN
fsr-3451	371	12	,	,	PUNCT
fsr-3451	371	13	m.	m.	NOUN
fsr-3451	371	14	(	(	PUNCT
fsr-3451	371	15	2007	2007	NUM
fsr-3451	371	16	)	)	PUNCT
fsr-3451	371	17	.	.	PUNCT
fsr-3451	372	1	the	the	DET
fsr-3451	372	2	role	role	NOUN
fsr-3451	372	3	of	of	ADP
fsr-3451	372	4	security	security	NOUN
fsr-3451	372	5	,	,	PUNCT
fsr-3451	372	6	privacy	privacy	NOUN
fsr-3451	372	7	,	,	PUNCT
fsr-3451	372	8	usability	usability	NOUN
fsr-3451	372	9	and	and	CCONJ
fsr-3451	372	10	reputation	reputation	NOUN
fsr-3451	372	11	in	in	ADP
fsr-3451	372	12	the	the	DET
fsr-3451	372	13	development	development	NOUN
fsr-3451	372	14	of	of	ADP
fsr-3451	372	15	online	online	ADJ
fsr-3451	372	16	banking	banking	NOUN
fsr-3451	372	17	.	.	PUNCT
fsr-3451	373	1	online	online	ADJ
fsr-3451	373	2	information	information	PROPN
fsr-3451	373	3	review	review	PROPN
fsr-3451	373	4	,	,	PUNCT
fsr-3451	373	5	31	31	NUM
fsr-3451	373	6	,	,	PUNCT
fsr-3451	373	7	583	583	NUM
fsr-3451	373	8	-	-	SYM
fsr-3451	373	9	603	603	NUM
fsr-3451	373	10	.	.	PUNCT
fsr-3451	374	1	casaló	casaló	PROPN
fsr-3451	374	2	,	,	PUNCT
fsr-3451	374	3	l.	l.	PROPN
fsr-3451	374	4	v.	v.	PROPN
fsr-3451	374	5	,	,	PUNCT
fsr-3451	374	6	flavián	flavián	PROPN
fsr-3451	374	7	,	,	PUNCT
fsr-3451	374	8	c.	c.	PROPN
fsr-3451	374	9	,	,	PUNCT
fsr-3451	374	10	&	&	CCONJ
fsr-3451	374	11	guinalı́u	guinalı́u	PROPN
fsr-3451	374	12	,	,	PUNCT
fsr-3451	374	13	m.	m.	NOUN
fsr-3451	374	14	(	(	PUNCT
fsr-3451	374	15	2008	2008	NUM
fsr-3451	374	16	)	)	PUNCT
fsr-3451	374	17	.	.	PUNCT
fsr-3451	375	1	the	the	DET
fsr-3451	375	2	role	role	NOUN
fsr-3451	375	3	of	of	ADP
fsr-3451	375	4	perceived	perceive	VERB
fsr-3451	375	5	usability	usability	NOUN
fsr-3451	375	6	,	,	PUNCT
fsr-3451	375	7	reputation	reputation	NOUN
fsr-3451	375	8	,	,	PUNCT
fsr-3451	375	9	satisfaction	satisfaction	NOUN
fsr-3451	375	10	and	and	CCONJ
fsr-3451	375	11	consumer	consumer	NOUN
fsr-3451	375	12	familiarity	familiarity	NOUN
fsr-3451	375	13	on	on	ADP
fsr-3451	375	14	the	the	DET
fsr-3451	375	15	website	website	NOUN
fsr-3451	375	16	loyalty	loyalty	NOUN
fsr-3451	375	17	formation	formation	NOUN
fsr-3451	375	18	process	process	NOUN
fsr-3451	375	19	.	.	PUNCT
fsr-3451	376	1	computers	computer	NOUN
fsr-3451	376	2	in	in	ADP
fsr-3451	376	3	human	human	ADJ
fsr-3451	376	4	behavior	behavior	NOUN
fsr-3451	376	5	,	,	PUNCT
fsr-3451	376	6	24	24	NUM
fsr-3451	376	7	,	,	PUNCT
fsr-3451	376	8	325	325	NUM
fsr-3451	376	9	-	-	SYM
fsr-3451	376	10	345	345	NUM
fsr-3451	376	11	.	.	PUNCT
fsr-3451	377	1	chakraborty	chakraborty	PROPN
fsr-3451	377	2	,	,	PUNCT
fsr-3451	377	3	s.	s.	PROPN
fsr-3451	377	4	,	,	PUNCT
fsr-3451	377	5	&	&	CCONJ
fsr-3451	377	6	sengupta	sengupta	PROPN
fsr-3451	377	7	,	,	PUNCT
fsr-3451	377	8	k.	k.	PROPN
fsr-3451	377	9	(	(	PUNCT
fsr-3451	377	10	2013	2013	NUM
fsr-3451	377	11	)	)	PUNCT
fsr-3451	377	12	.	.	PUNCT
fsr-3451	378	1	an	an	DET
fsr-3451	378	2	exploratory	exploratory	ADJ
fsr-3451	378	3	study	study	NOUN
fsr-3451	378	4	on	on	ADP
fsr-3451	378	5	determinants	determinant	NOUN
fsr-3451	378	6	of	of	ADP
fsr-3451	378	7	customer	customer	NOUN
fsr-3451	378	8	satisfaction	satisfaction	NOUN
fsr-3451	378	9	of	of	ADP
fsr-3451	378	10	leading	lead	VERB
fsr-3451	378	11	mobile	mobile	ADJ
fsr-3451	378	12	network	network	NOUN
fsr-3451	378	13	providers	provider	NOUN
fsr-3451	378	14	–	–	PUNCT
fsr-3451	378	15	case	case	NOUN
fsr-3451	378	16	of	of	ADP
fsr-3451	378	17	kolkata	kolkata	PROPN
fsr-3451	378	18	.	.	PUNCT
fsr-3451	379	1	india	india	PROPN
fsr-3451	379	2	.	.	PUNCT
fsr-3451	379	3	journal	journal	PROPN
fsr-3451	379	4	of	of	ADP
fsr-3451	379	5	advances	advance	NOUN
fsr-3451	379	6	in	in	ADP
fsr-3451	379	7	management	management	NOUN
fsr-3451	379	8	research	research	NOUN
fsr-3451	379	9	,	,	PUNCT
fsr-3451	379	10	10	10	NUM
fsr-3451	379	11	,	,	PUNCT
fsr-3451	379	12	279	279	NUM
fsr-3451	379	13	-	-	SYM
fsr-3451	379	14	298	298	NUM
fsr-3451	379	15	.	.	PUNCT
fsr-3451	380	1	m.	m.	NOUN
fsr-3451	380	2	nourallah	nourallah	PROPN
fsr-3451	380	3	et	et	PROPN
fsr-3451	380	4	al	al	PROPN
fsr-3451	380	5	.	.	PUNCT
fsr-3451	381	1	/	/	SYM
fsr-3451	381	2	financial	financial	ADJ
fsr-3451	381	3	services	service	NOUN
fsr-3451	381	4	review	review	VERB
fsr-3451	381	5	29	29	NUM
fsr-3451	381	6	(	(	PUNCT
fsr-3451	381	7	2021	2021	NUM
fsr-3451	381	8	)	)	PUNCT
fsr-3451	381	9	147–167	147–167	NUM
fsr-3451	381	10	163	163	NUM
fsr-3451	381	11	chaudhuri	chaudhuri	NOUN
fsr-3451	381	12	,	,	PUNCT
fsr-3451	381	13	a.	a.	PROPN
fsr-3451	381	14	,	,	PUNCT
fsr-3451	381	15	&	&	CCONJ
fsr-3451	381	16	holbrook	holbrook	PROPN
fsr-3451	381	17	,	,	PUNCT
fsr-3451	381	18	m.	m.	PROPN
fsr-3451	381	19	b.	b.	PROPN
fsr-3451	381	20	(	(	PUNCT
fsr-3451	381	21	2001	2001	NUM
fsr-3451	381	22	)	)	PUNCT
fsr-3451	381	23	.	.	PUNCT
fsr-3451	382	1	the	the	DET
fsr-3451	382	2	chain	chain	NOUN
fsr-3451	382	3	of	of	ADP
fsr-3451	382	4	effects	effect	NOUN
fsr-3451	382	5	from	from	ADP
fsr-3451	382	6	brand	brand	NOUN
fsr-3451	382	7	trust	trust	NOUN
fsr-3451	382	8	and	and	CCONJ
fsr-3451	382	9	brand	brand	NOUN
fsr-3451	382	10	affect	affect	VERB
fsr-3451	382	11	to	to	ADP
fsr-3451	382	12	brand	brand	NOUN
fsr-3451	382	13	performance	performance	NOUN
fsr-3451	382	14	:	:	PUNCT
fsr-3451	382	15	the	the	DET
fsr-3451	382	16	role	role	NOUN
fsr-3451	382	17	of	of	ADP
fsr-3451	382	18	brand	brand	NOUN
fsr-3451	382	19	loyalty	loyalty	NOUN
fsr-3451	382	20	.	.	PUNCT
fsr-3451	383	1	journal	journal	NOUN
fsr-3451	383	2	of	of	ADP
fsr-3451	383	3	marketing	marketing	NOUN
fsr-3451	383	4	,	,	PUNCT
fsr-3451	383	5	65	65	NUM
fsr-3451	383	6	,	,	PUNCT
fsr-3451	383	7	81	81	NUM
fsr-3451	383	8	-	-	SYM
fsr-3451	383	9	93	93	NUM
fsr-3451	383	10	.	.	PUNCT
fsr-3451	384	1	davis	davis	PROPN
fsr-3451	384	2	,	,	PUNCT
fsr-3451	384	3	f.	f.	PROPN
fsr-3451	384	4	d.	d.	PROPN
fsr-3451	384	5	(	(	PUNCT
fsr-3451	384	6	1989	1989	NUM
fsr-3451	384	7	)	)	PUNCT
fsr-3451	384	8	.	.	PUNCT
fsr-3451	385	1	perceived	perceive	VERB
fsr-3451	385	2	usefulness	usefulness	NOUN
fsr-3451	385	3	,	,	PUNCT
fsr-3451	385	4	perceived	perceive	VERB
fsr-3451	385	5	ease	ease	NOUN
fsr-3451	385	6	of	of	ADP
fsr-3451	385	7	use	use	NOUN
fsr-3451	385	8	,	,	PUNCT
fsr-3451	385	9	and	and	CCONJ
fsr-3451	385	10	user	user	NOUN
fsr-3451	385	11	acceptance	acceptance	NOUN
fsr-3451	385	12	of	of	ADP
fsr-3451	385	13	information	information	NOUN
fsr-3451	385	14	technology	technology	NOUN
fsr-3451	385	15	.	.	PUNCT
fsr-3451	386	1	mis	mis	PROPN
fsr-3451	386	2	quarterly	quarterly	PROPN
fsr-3451	386	3	,	,	PUNCT
fsr-3451	386	4	13	13	NUM
fsr-3451	386	5	,	,	PUNCT
fsr-3451	386	6	319	319	NUM
fsr-3451	386	7	-	-	SYM
fsr-3451	386	8	340	340	NUM
fsr-3451	386	9	.	.	PUNCT
fsr-3451	387	1	demirguc	demirguc	PROPN
fsr-3451	387	2	-	-	PUNCT
fsr-3451	387	3	kunt	kunt	PROPN
fsr-3451	387	4	,	,	PUNCT
fsr-3451	387	5	a.	a.	PROPN
fsr-3451	387	6	,	,	PUNCT
fsr-3451	387	7	klapper	klapper	PROPN
fsr-3451	387	8	,	,	PUNCT
fsr-3451	387	9	l.	l.	PROPN
fsr-3451	387	10	,	,	PUNCT
fsr-3451	387	11	singer	singer	NOUN
fsr-3451	387	12	,	,	PUNCT
fsr-3451	387	13	d.	d.	PROPN
fsr-3451	387	14	,	,	PUNCT
fsr-3451	387	15	ansar	ansar	PROPN
fsr-3451	387	16	,	,	PUNCT
fsr-3451	387	17	s.	s.	PROPN
fsr-3451	387	18	,	,	PUNCT
fsr-3451	387	19	&	&	CCONJ
fsr-3451	387	20	hess	hess	PROPN
fsr-3451	387	21	,	,	PUNCT
fsr-3451	387	22	j.	j.	PROPN
fsr-3451	387	23	(	(	PUNCT
fsr-3451	387	24	2018	2018	NUM
fsr-3451	387	25	)	)	PUNCT
fsr-3451	387	26	.	.	PUNCT
fsr-3451	388	1	the	the	DET
fsr-3451	388	2	global	global	ADJ
fsr-3451	388	3	findex	findex	PROPN
fsr-3451	388	4	database	database	PROPN
fsr-3451	388	5	2017	2017	NUM
fsr-3451	388	6	:	:	PUNCT
fsr-3451	388	7	measuring	measure	VERB
fsr-3451	388	8	financial	financial	ADJ
fsr-3451	388	9	inclusion	inclusion	NOUN
fsr-3451	388	10	and	and	CCONJ
fsr-3451	388	11	the	the	DET
fsr-3451	388	12	fintech	fintech	NOUN
fsr-3451	388	13	revolution	revolution	NOUN
fsr-3451	388	14	.	.	PUNCT
fsr-3451	389	1	the	the	DET
fsr-3451	389	2	world	world	PROPN
fsr-3451	389	3	bank	bank	PROPN
fsr-3451	389	4	.	.	PUNCT
fsr-3451	390	1	(	(	PUNCT
fsr-3451	390	2	available	available	ADJ
fsr-3451	390	3	at	at	ADP
fsr-3451	390	4	https://elibrary	https://elibrary	PROPN
fsr-3451	390	5	.	.	PUNCT
fsr-3451	390	6	worldbank.org/doi/abs/10.1596/978-1-4648-1259-0	worldbank.org/doi/abs/10.1596/978-1-4648-1259-0	PROPN
fsr-3451	390	7	)	)	PUNCT
fsr-3451	390	8	.	.	PUNCT
fsr-3451	391	1	flavian	flavian	PROPN
fsr-3451	391	2	,	,	PUNCT
fsr-3451	391	3	c.	c.	PROPN
fsr-3451	391	4	,	,	PUNCT
fsr-3451	391	5	guinalı́u	guinalı́u	PROPN
fsr-3451	391	6	,	,	PUNCT
fsr-3451	391	7	m.	m.	NOUN
fsr-3451	391	8	,	,	PUNCT
fsr-3451	391	9	&	&	CCONJ
fsr-3451	391	10	gurrea	gurrea	PROPN
fsr-3451	391	11	,	,	PUNCT
fsr-3451	391	12	r.	r.	PROPN
fsr-3451	391	13	(	(	PUNCT
fsr-3451	391	14	2006	2006	NUM
fsr-3451	391	15	)	)	PUNCT
fsr-3451	391	16	.	.	PUNCT
fsr-3451	392	1	the	the	DET
fsr-3451	392	2	role	role	NOUN
fsr-3451	392	3	played	play	VERB
fsr-3451	392	4	by	by	ADP
fsr-3451	392	5	perceived	perceive	VERB
fsr-3451	392	6	usability	usability	NOUN
fsr-3451	392	7	,	,	PUNCT
fsr-3451	392	8	satisfaction	satisfaction	NOUN
fsr-3451	392	9	and	and	CCONJ
fsr-3451	392	10	consumer	consumer	NOUN
fsr-3451	392	11	trust	trust	NOUN
fsr-3451	392	12	on	on	ADP
fsr-3451	392	13	website	website	NOUN
fsr-3451	392	14	loyalty	loyalty	NOUN
fsr-3451	392	15	.	.	PUNCT
fsr-3451	393	1	information	information	NOUN
fsr-3451	393	2	and	and	CCONJ
fsr-3451	393	3	management	management	NOUN
fsr-3451	393	4	,	,	PUNCT
fsr-3451	393	5	43	43	NUM
fsr-3451	393	6	,	,	PUNCT
fsr-3451	393	7	1	1	NUM
fsr-3451	393	8	-	-	SYM
fsr-3451	393	9	14	14	NUM
fsr-3451	393	10	.	.	PUNCT
fsr-3451	394	1	fornell	fornell	PROPN
fsr-3451	394	2	,	,	PUNCT
fsr-3451	394	3	c.	c.	PROPN
fsr-3451	394	4	(	(	PUNCT
fsr-3451	394	5	1992	1992	NUM
fsr-3451	394	6	)	)	PUNCT
fsr-3451	394	7	.	.	PUNCT
fsr-3451	395	1	a	a	DET
fsr-3451	395	2	national	national	ADJ
fsr-3451	395	3	customer	customer	NOUN
fsr-3451	395	4	satisfaction	satisfaction	NOUN
fsr-3451	395	5	barometer	barometer	NOUN
fsr-3451	395	6	:	:	PUNCT
fsr-3451	395	7	the	the	DET
fsr-3451	395	8	swedish	swedish	ADJ
fsr-3451	395	9	experience	experience	NOUN
fsr-3451	395	10	.	.	PUNCT
fsr-3451	396	1	journal	journal	NOUN
fsr-3451	396	2	of	of	ADP
fsr-3451	396	3	marketing	marketing	NOUN
fsr-3451	396	4	,	,	PUNCT
fsr-3451	396	5	56	56	NUM
fsr-3451	396	6	,	,	PUNCT
fsr-3451	396	7	6	6	NUM
fsr-3451	396	8	-	-	SYM
fsr-3451	396	9	21	21	NUM
fsr-3451	396	10	.	.	PUNCT
fsr-3451	397	1	fornell	fornell	PROPN
fsr-3451	397	2	,	,	PUNCT
fsr-3451	397	3	c.	c.	PROPN
fsr-3451	397	4	,	,	PUNCT
fsr-3451	397	5	&	&	CCONJ
fsr-3451	397	6	larcker	larcker	PROPN
fsr-3451	397	7	,	,	PUNCT
fsr-3451	397	8	d.	d.	PROPN
fsr-3451	397	9	f.	f.	PROPN
fsr-3451	397	10	(	(	PUNCT
fsr-3451	397	11	1981	1981	NUM
fsr-3451	397	12	)	)	PUNCT
fsr-3451	397	13	.	.	PUNCT
fsr-3451	398	1	evaluating	evaluate	VERB
fsr-3451	398	2	structural	structural	ADJ
fsr-3451	398	3	equation	equation	NOUN
fsr-3451	398	4	models	model	NOUN
fsr-3451	398	5	with	with	ADP
fsr-3451	398	6	unobservable	unobservable	ADJ
fsr-3451	398	7	variables	variable	NOUN
fsr-3451	398	8	and	and	CCONJ
fsr-3451	398	9	measurement	measurement	NOUN
fsr-3451	398	10	error	error	NOUN
fsr-3451	398	11	.	.	PUNCT
fsr-3451	399	1	journal	journal	NOUN
fsr-3451	399	2	of	of	ADP
fsr-3451	399	3	marketing	marketing	NOUN
fsr-3451	399	4	research	research	NOUN
fsr-3451	399	5	,	,	PUNCT
fsr-3451	399	6	18	18	NUM
fsr-3451	399	7	,	,	PUNCT
fsr-3451	399	8	39	39	NUM
fsr-3451	399	9	-	-	SYM
fsr-3451	399	10	50	50	NUM
fsr-3451	399	11	.	.	PUNCT
fsr-3451	400	1	foscht	foscht	NOUN
fsr-3451	400	2	,	,	PUNCT
fsr-3451	400	3	t.	t.	PROPN
fsr-3451	400	4	,	,	PUNCT
fsr-3451	400	5	maloles	malole	NOUN
fsr-3451	400	6	,	,	PUNCT
fsr-3451	400	7	c.	c.	PROPN
fsr-3451	400	8	,	,	PUNCT
fsr-3451	400	9	schloffer	schloffer	PROPN
fsr-3451	400	10	,	,	PUNCT
fsr-3451	400	11	j.	j.	PROPN
fsr-3451	400	12	,	,	PUNCT
fsr-3451	400	13	chia	chia	PROPN
fsr-3451	400	14	,	,	PUNCT
fsr-3451	400	15	s.	s.	PROPN
fsr-3451	400	16	l.	l.	PROPN
fsr-3451	400	17	,	,	PUNCT
fsr-3451	400	18	&	&	CCONJ
fsr-3451	400	19	“	"	PUNCT
fsr-3451	400	20	jay	jay	PROPN
fsr-3451	400	21	”	"	PUNCT
fsr-3451	400	22	sinha	sinha	PROPN
fsr-3451	400	23	,	,	PUNCT
fsr-3451	400	24	i.	i.	PROPN
fsr-3451	400	25	(	(	PUNCT
fsr-3451	400	26	2010	2010	NUM
fsr-3451	400	27	)	)	PUNCT
fsr-3451	400	28	.	.	PUNCT
fsr-3451	401	1	banking	banking	NOUN
fsr-3451	401	2	on	on	ADP
fsr-3451	401	3	the	the	DET
fsr-3451	401	4	youth	youth	NOUN
fsr-3451	401	5	:	:	PUNCT
fsr-3451	401	6	the	the	DET
fsr-3451	401	7	case	case	NOUN
fsr-3451	401	8	for	for	ADP
fsr-3451	401	9	finer	fine	ADJ
fsr-3451	401	10	segmentation	segmentation	NOUN
fsr-3451	401	11	of	of	ADP
fsr-3451	401	12	the	the	DET
fsr-3451	401	13	youth	youth	NOUN
fsr-3451	401	14	market	market	NOUN
fsr-3451	401	15	.	.	PUNCT
fsr-3451	402	1	young	young	ADJ
fsr-3451	402	2	consumers	consumer	NOUN
fsr-3451	402	3	,	,	PUNCT
fsr-3451	402	4	11	11	NUM
fsr-3451	402	5	,	,	PUNCT
fsr-3451	402	6	264	264	NUM
fsr-3451	402	7	-	-	SYM
fsr-3451	402	8	276	276	NUM
fsr-3451	402	9	.	.	PUNCT
fsr-3451	403	1	gimpel	gimpel	PROPN
fsr-3451	403	2	,	,	PUNCT
fsr-3451	403	3	h.	h.	PROPN
fsr-3451	403	4	,	,	PUNCT
fsr-3451	403	5	rau	rau	PROPN
fsr-3451	403	6	,	,	PUNCT
fsr-3451	403	7	d.	d.	PROPN
fsr-3451	403	8	,	,	PUNCT
fsr-3451	403	9	&	&	CCONJ
fsr-3451	403	10	röglinger	röglinger	NOUN
fsr-3451	403	11	,	,	PUNCT
fsr-3451	403	12	m.	m.	NOUN
fsr-3451	403	13	(	(	PUNCT
fsr-3451	403	14	2018	2018	NUM
fsr-3451	403	15	)	)	PUNCT
fsr-3451	403	16	.	.	PUNCT
fsr-3451	404	1	understanding	understand	VERB
fsr-3451	404	2	fintech	fintech	NOUN
fsr-3451	404	3	start	start	NOUN
fsr-3451	404	4	-	-	PUNCT
fsr-3451	404	5	ups	up	NOUN
fsr-3451	404	6	–	–	PUNCT
fsr-3451	404	7	a	a	DET
fsr-3451	404	8	taxonomy	taxonomy	NOUN
fsr-3451	404	9	of	of	ADP
fsr-3451	404	10	consumer	consumer	NOUN
fsr-3451	404	11	-	-	PUNCT
fsr-3451	404	12	oriented	orient	VERB
fsr-3451	404	13	service	service	NOUN
fsr-3451	404	14	offerings	offering	NOUN
fsr-3451	404	15	.	.	PUNCT
fsr-3451	405	1	electronic	electronic	ADJ
fsr-3451	405	2	markets	market	NOUN
fsr-3451	405	3	,	,	PUNCT
fsr-3451	405	4	28	28	NUM
fsr-3451	405	5	,	,	PUNCT
fsr-3451	405	6	245	245	NUM
fsr-3451	405	7	-	-	SYM
fsr-3451	405	8	264	264	NUM
fsr-3451	405	9	.	.	PUNCT
fsr-3451	406	1	gomber	gomber	PROPN
fsr-3451	406	2	,	,	PUNCT
fsr-3451	406	3	p.	p.	PROPN
fsr-3451	406	4	,	,	PUNCT
fsr-3451	406	5	koch	koch	PROPN
fsr-3451	406	6	,	,	PUNCT
fsr-3451	406	7	j.-a	j.-a	PROPN
fsr-3451	406	8	.	.	PUNCT
fsr-3451	406	9	,	,	PUNCT
fsr-3451	406	10	siering	siering	NOUN
fsr-3451	406	11	,	,	PUNCT
fsr-3451	406	12	m.	m.	NOUN
fsr-3451	406	13	,	,	PUNCT
fsr-3451	406	14	&	&	CCONJ
fsr-3451	406	15	siering	siering	NOUN
fsr-3451	406	16	,	,	PUNCT
fsr-3451	406	17	m.	m.	NOUN
fsr-3451	406	18	(	(	PUNCT
fsr-3451	406	19	2017	2017	NUM
fsr-3451	406	20	)	)	PUNCT
fsr-3451	406	21	.	.	PUNCT
fsr-3451	407	1	digital	digital	ADJ
fsr-3451	407	2	finance	finance	NOUN
fsr-3451	407	3	and	and	CCONJ
fsr-3451	407	4	fintech	fintech	NOUN
fsr-3451	407	5	:	:	PUNCT
fsr-3451	407	6	current	current	ADJ
fsr-3451	407	7	research	research	NOUN
fsr-3451	407	8	and	and	CCONJ
fsr-3451	407	9	future	future	ADJ
fsr-3451	407	10	research	research	NOUN
fsr-3451	407	11	directions	direction	NOUN
fsr-3451	407	12	.	.	PUNCT
fsr-3451	408	1	journal	journal	NOUN
fsr-3451	408	2	of	of	ADP
fsr-3451	408	3	business	business	NOUN
fsr-3451	408	4	economics	economic	NOUN
fsr-3451	408	5	,	,	PUNCT
fsr-3451	408	6	87	87	NUM
fsr-3451	408	7	,	,	PUNCT
fsr-3451	408	8	537	537	NUM
fsr-3451	408	9	-	-	SYM
fsr-3451	408	10	580	580	NUM
fsr-3451	408	11	.	.	PUNCT
fsr-3451	409	1	gomber	gomber	PROPN
fsr-3451	409	2	,	,	PUNCT
fsr-3451	409	3	p.	p.	PROPN
fsr-3451	409	4	,	,	PUNCT
fsr-3451	409	5	kauffman	kauffman	PROPN
fsr-3451	409	6	,	,	PUNCT
fsr-3451	409	7	r.	r.	PROPN
fsr-3451	409	8	j.	j.	PROPN
fsr-3451	409	9	,	,	PUNCT
fsr-3451	409	10	parker	parker	PROPN
fsr-3451	409	11	,	,	PUNCT
fsr-3451	409	12	c.	c.	PROPN
fsr-3451	409	13	,	,	PUNCT
fsr-3451	409	14	&	&	CCONJ
fsr-3451	409	15	weber	weber	PROPN
fsr-3451	409	16	,	,	PUNCT
fsr-3451	409	17	b.	b.	PROPN
fsr-3451	409	18	w.	w.	PROPN
fsr-3451	409	19	(	(	PUNCT
fsr-3451	409	20	2018	2018	NUM
fsr-3451	409	21	)	)	PUNCT
fsr-3451	409	22	.	.	PUNCT
fsr-3451	410	1	on	on	ADP
fsr-3451	410	2	the	the	DET
fsr-3451	410	3	fintech	fintech	NOUN
fsr-3451	410	4	revolution	revolution	NOUN
fsr-3451	410	5	:	:	PUNCT
fsr-3451	410	6	interpreting	interpret	VERB
fsr-3451	410	7	the	the	DET
fsr-3451	410	8	forces	force	NOUN
fsr-3451	410	9	of	of	ADP
fsr-3451	410	10	innovation	innovation	NOUN
fsr-3451	410	11	,	,	PUNCT
fsr-3451	410	12	disruption	disruption	NOUN
fsr-3451	410	13	,	,	PUNCT
fsr-3451	410	14	and	and	CCONJ
fsr-3451	410	15	transformation	transformation	NOUN
fsr-3451	410	16	in	in	ADP
fsr-3451	410	17	financial	financial	ADJ
fsr-3451	410	18	services	service	NOUN
fsr-3451	410	19	.	.	PUNCT
fsr-3451	411	1	journal	journal	PROPN
fsr-3451	411	2	of	of	ADP
fsr-3451	411	3	management	management	NOUN
fsr-3451	411	4	information	information	NOUN
fsr-3451	411	5	systems	system	NOUN
fsr-3451	411	6	,	,	PUNCT
fsr-3451	411	7	35	35	NUM
fsr-3451	411	8	,	,	PUNCT
fsr-3451	411	9	220	220	NUM
fsr-3451	411	10	-	-	SYM
fsr-3451	411	11	265	265	NUM
fsr-3451	411	12	.	.	PUNCT
fsr-3451	412	1	grinyer	grinyer	NOUN
fsr-3451	412	2	,	,	PUNCT
fsr-3451	412	3	a.	a.	NOUN
fsr-3451	412	4	(	(	PUNCT
fsr-3451	412	5	2009	2009	NUM
fsr-3451	412	6	)	)	PUNCT
fsr-3451	412	7	.	.	PUNCT
fsr-3451	413	1	the	the	DET
fsr-3451	413	2	anonymity	anonymity	NOUN
fsr-3451	413	3	of	of	ADP
fsr-3451	413	4	research	research	NOUN
fsr-3451	413	5	participants	participant	NOUN
fsr-3451	413	6	:	:	PUNCT
fsr-3451	413	7	assumptions	assumption	NOUN
fsr-3451	413	8	,	,	PUNCT
fsr-3451	413	9	ethics	ethic	NOUN
fsr-3451	413	10	,	,	PUNCT
fsr-3451	413	11	and	and	CCONJ
fsr-3451	413	12	practicalities	practicality	NOUN
fsr-3451	413	13	.	.	PUNCT
fsr-3451	414	1	pan	pan	ADJ
fsr-3451	414	2	-	-	ADJ
fsr-3451	414	3	pacific	pacific	ADJ
fsr-3451	414	4	management	management	PROPN
fsr-3451	414	5	review	review	NOUN
fsr-3451	414	6	,	,	PUNCT
fsr-3451	414	7	12	12	NUM
fsr-3451	414	8	,	,	PUNCT
fsr-3451	414	9	49	49	NUM
fsr-3451	414	10	-	-	SYM
fsr-3451	414	11	58	58	NUM
fsr-3451	414	12	.	.	PUNCT
fsr-3451	415	1	gumussoy	gumussoy	NOUN
fsr-3451	415	2	,	,	PUNCT
fsr-3451	415	3	c.	c.	PROPN
fsr-3451	415	4	a.	a.	PROPN
fsr-3451	415	5	(	(	PUNCT
fsr-3451	415	6	2016	2016	NUM
fsr-3451	415	7	)	)	PUNCT
fsr-3451	415	8	.	.	PUNCT
fsr-3451	416	1	computers	computer	NOUN
fsr-3451	416	2	in	in	ADP
fsr-3451	416	3	human	human	ADJ
fsr-3451	416	4	behavior	behavior	NOUN
fsr-3451	416	5	usability	usability	NOUN
fsr-3451	416	6	guideline	guideline	NOUN
fsr-3451	416	7	for	for	ADP
fsr-3451	416	8	banking	banking	NOUN
fsr-3451	416	9	software	software	NOUN
fsr-3451	416	10	design	design	NOUN
fsr-3451	416	11	.	.	PUNCT
fsr-3451	417	1	computers	computer	NOUN
fsr-3451	417	2	in	in	ADP
fsr-3451	417	3	human	human	ADJ
fsr-3451	417	4	behavior	behavior	NOUN
fsr-3451	417	5	,	,	PUNCT
fsr-3451	417	6	62	62	NUM
fsr-3451	417	7	,	,	PUNCT
fsr-3451	417	8	277	277	NUM
fsr-3451	417	9	-	-	SYM
fsr-3451	417	10	285	285	NUM
fsr-3451	417	11	.	.	PUNCT
fsr-3451	418	1	hair	hair	NOUN
fsr-3451	418	2	,	,	PUNCT
fsr-3451	418	3	j.	j.	PROPN
fsr-3451	418	4	f.	f.	PROPN
fsr-3451	418	5	,	,	PUNCT
fsr-3451	418	6	black	black	PROPN
fsr-3451	418	7	,	,	PUNCT
fsr-3451	418	8	w.	w.	PROPN
fsr-3451	418	9	c.	c.	PROPN
fsr-3451	418	10	,	,	PUNCT
fsr-3451	418	11	babin	babin	PROPN
fsr-3451	418	12	,	,	PUNCT
fsr-3451	418	13	b.	b.	PROPN
fsr-3451	418	14	j.	j.	PROPN
fsr-3451	418	15	,	,	PUNCT
fsr-3451	418	16	&	&	CCONJ
fsr-3451	418	17	anderson	anderson	PROPN
fsr-3451	418	18	,	,	PUNCT
fsr-3451	418	19	r.	r.	PROPN
fsr-3451	418	20	e.	e.	PROPN
fsr-3451	419	1	(	(	PUNCT
fsr-3451	419	2	2014).multivariate	2014).multivariate	PROPN
fsr-3451	419	3	data	data	VERB
fsr-3451	419	4	analysis.malaysia	analysis.malaysia	NUM
fsr-3451	419	5	:	:	PUNCT
fsr-3451	419	6	person	person	NOUN
fsr-3451	419	7	.	.	PUNCT
fsr-3451	420	1	hanafizadeh	hanafizadeh	PROPN
fsr-3451	420	2	,	,	PUNCT
fsr-3451	420	3	p.	p.	NOUN
fsr-3451	420	4	,	,	PUNCT
fsr-3451	420	5	behboudi	behboudi	NOUN
fsr-3451	420	6	,	,	PUNCT
fsr-3451	420	7	m.	m.	NOUN
fsr-3451	420	8	,	,	PUNCT
fsr-3451	420	9	koshksaray	koshksaray	PROPN
fsr-3451	420	10	,	,	PUNCT
fsr-3451	420	11	a.	a.	NOUN
fsr-3451	420	12	a.	a.	PROPN
fsr-3451	420	13	,	,	PUNCT
fsr-3451	420	14	jalilvand	jalilvand	PROPN
fsr-3451	420	15	,	,	PUNCT
fsr-3451	420	16	m.	m.	NOUN
fsr-3451	420	17	,	,	PUNCT
fsr-3451	420	18	&	&	CCONJ
fsr-3451	420	19	tabar	tabar	PROPN
fsr-3451	420	20	,	,	PUNCT
fsr-3451	420	21	s.	s.	PROPN
fsr-3451	420	22	(	(	PUNCT
fsr-3451	420	23	2014	2014	NUM
fsr-3451	420	24	)	)	PUNCT
fsr-3451	420	25	.	.	PUNCT
fsr-3451	421	1	mobile	mobile	ADJ
fsr-3451	421	2	-	-	PUNCT
fsr-3451	421	3	banking	banking	NOUN
fsr-3451	421	4	adoption	adoption	NOUN
fsr-3451	421	5	by	by	ADP
fsr-3451	421	6	iranian	iranian	ADJ
fsr-3451	421	7	bank	bank	PROPN
fsr-3451	421	8	clients	client	NOUN
fsr-3451	421	9	.	.	PUNCT
fsr-3451	422	1	telematics	telematic	NOUN
fsr-3451	422	2	and	and	CCONJ
fsr-3451	422	3	informatics	informatic	NOUN
fsr-3451	422	4	,	,	PUNCT
fsr-3451	422	5	31	31	NUM
fsr-3451	422	6	,	,	PUNCT
fsr-3451	422	7	62	62	NUM
fsr-3451	422	8	-	-	SYM
fsr-3451	422	9	78	78	NUM
fsr-3451	422	10	.	.	PUNCT
fsr-3451	423	1	hansen	hansen	PROPN
fsr-3451	423	2	,	,	PUNCT
fsr-3451	423	3	h.	h.	PROPN
fsr-3451	423	4	,	,	PUNCT
fsr-3451	423	5	m.	m.	NOUN
fsr-3451	423	6	samuelsen	samuelsen	PROPN
fsr-3451	423	7	,	,	PUNCT
fsr-3451	423	8	b.	b.	PROPN
fsr-3451	423	9	,	,	PUNCT
fsr-3451	423	10	&	&	CCONJ
fsr-3451	423	11	sallis	sallis	PROPN
fsr-3451	423	12	,	,	PUNCT
fsr-3451	423	13	j.	j.	PROPN
fsr-3451	423	14	e.	e.	PROPN
fsr-3451	423	15	(	(	PUNCT
fsr-3451	423	16	2013	2013	NUM
fsr-3451	423	17	)	)	PUNCT
fsr-3451	423	18	.	.	PUNCT
fsr-3451	424	1	the	the	DET
fsr-3451	424	2	moderating	moderate	VERB
fsr-3451	424	3	effects	effect	NOUN
fsr-3451	424	4	of	of	ADP
fsr-3451	424	5	need	need	NOUN
fsr-3451	424	6	for	for	ADP
fsr-3451	424	7	cognition	cognition	NOUN
fsr-3451	424	8	on	on	ADP
fsr-3451	424	9	drivers	driver	NOUN
fsr-3451	424	10	of	of	ADP
fsr-3451	424	11	customer	customer	NOUN
fsr-3451	424	12	loyalty	loyalty	NOUN
fsr-3451	424	13	.	.	PUNCT
fsr-3451	425	1	european	european	ADJ
fsr-3451	425	2	journal	journal	PROPN
fsr-3451	425	3	of	of	ADP
fsr-3451	425	4	marketing	marketing	NOUN
fsr-3451	425	5	,	,	PUNCT
fsr-3451	425	6	47	47	NUM
fsr-3451	425	7	,	,	PUNCT
fsr-3451	425	8	1157	1157	NUM
fsr-3451	425	9	-	-	SYM
fsr-3451	425	10	1176	1176	NUM
fsr-3451	425	11	.	.	PUNCT
fsr-3451	426	1	ho	ho	PROPN
fsr-3451	426	2	,	,	PUNCT
fsr-3451	426	3	c.-i	c.-i	PROPN
fsr-3451	426	4	.	.	PROPN
fsr-3451	426	5	,	,	PUNCT
fsr-3451	426	6	&	&	CCONJ
fsr-3451	426	7	lee	lee	PROPN
fsr-3451	426	8	,	,	PUNCT
fsr-3451	426	9	y.-l	y.-l	NOUN
fsr-3451	426	10	.	.	PUNCT
fsr-3451	427	1	(	(	PUNCT
fsr-3451	427	2	2007	2007	NUM
fsr-3451	427	3	)	)	PUNCT
fsr-3451	427	4	.	.	PUNCT
fsr-3451	428	1	the	the	DET
fsr-3451	428	2	development	development	NOUN
fsr-3451	428	3	of	of	ADP
fsr-3451	428	4	an	an	DET
fsr-3451	428	5	e	e	NOUN
fsr-3451	428	6	-	-	NOUN
fsr-3451	428	7	travel	travel	ADJ
fsr-3451	428	8	service	service	NOUN
fsr-3451	428	9	quality	quality	NOUN
fsr-3451	428	10	scale	scale	NOUN
fsr-3451	428	11	.	.	PUNCT
fsr-3451	429	1	tourism	tourism	NOUN
fsr-3451	429	2	management	management	NOUN
fsr-3451	429	3	,	,	PUNCT
fsr-3451	429	4	28	28	NUM
fsr-3451	429	5	,	,	PUNCT
fsr-3451	429	6	1434	1434	NUM
fsr-3451	429	7	-	-	SYM
fsr-3451	429	8	1449	1449	NUM
fsr-3451	429	9	.	.	PUNCT
fsr-3451	430	1	hoehle	hoehle	PROPN
fsr-3451	430	2	,	,	PUNCT
fsr-3451	430	3	h.	h.	PROPN
fsr-3451	430	4	,	,	PUNCT
fsr-3451	430	5	&	&	CCONJ
fsr-3451	430	6	venkatesh	venkatesh	PROPN
fsr-3451	430	7	,	,	PUNCT
fsr-3451	430	8	v.	v.	PROPN
fsr-3451	430	9	(	(	PUNCT
fsr-3451	430	10	2015	2015	NUM
fsr-3451	430	11	)	)	PUNCT
fsr-3451	430	12	.	.	PUNCT
fsr-3451	431	1	mobile	mobile	ADJ
fsr-3451	431	2	application	application	NOUN
fsr-3451	431	3	usability	usability	NOUN
fsr-3451	431	4	:	:	PUNCT
fsr-3451	431	5	conceptualization	conceptualization	NOUN
fsr-3451	431	6	and	and	CCONJ
fsr-3451	431	7	instrument	instrument	NOUN
fsr-3451	431	8	development.mis	development.mi	NOUN
fsr-3451	431	9	quarterly	quarterly	ADV
fsr-3451	431	10	,	,	PUNCT
fsr-3451	431	11	39	39	NUM
fsr-3451	431	12	,	,	PUNCT
fsr-3451	431	13	435	435	NUM
fsr-3451	431	14	-	-	SYM
fsr-3451	431	15	471	471	NUM
fsr-3451	431	16	.	.	PUNCT
fsr-3451	432	1	hussien	hussien	PROPN
fsr-3451	432	2	,	,	PUNCT
fsr-3451	432	3	m.	m.	NOUN
fsr-3451	432	4	i.	i.	PROPN
fsr-3451	432	5	,	,	PUNCT
fsr-3451	432	6	&	&	CCONJ
fsr-3451	432	7	aziz	aziz	PROPN
fsr-3451	432	8	,	,	PUNCT
fsr-3451	432	9	r.	r.	PROPN
fsr-3451	432	10	a.	a.	PROPN
fsr-3451	432	11	e.	e.	PROPN
fsr-3451	432	12	(	(	PUNCT
fsr-3451	432	13	2013	2013	NUM
fsr-3451	432	14	)	)	PUNCT
fsr-3451	432	15	.	.	PUNCT
fsr-3451	433	1	investigating	investigate	VERB
fsr-3451	433	2	e	e	NOUN
fsr-3451	433	3	-	-	ADJ
fsr-3451	433	4	banking	banking	ADJ
fsr-3451	433	5	service	service	NOUN
fsr-3451	433	6	quality	quality	NOUN
fsr-3451	433	7	in	in	ADP
fsr-3451	433	8	one	one	NUM
fsr-3451	433	9	of	of	ADP
fsr-3451	433	10	egypt	egypt	PROPN
fsr-3451	433	11	’s	’s	PART
fsr-3451	433	12	banks	bank	NOUN
fsr-3451	433	13	:	:	PUNCT
fsr-3451	433	14	a	a	DET
fsr-3451	433	15	stakeholder	stakeholder	NOUN
fsr-3451	433	16	analysis	analysis	NOUN
fsr-3451	433	17	.	.	PUNCT
fsr-3451	434	1	the	the	DET
fsr-3451	434	2	tqm	tqm	PROPN
fsr-3451	434	3	journal	journal	NOUN
fsr-3451	434	4	,	,	PUNCT
fsr-3451	434	5	25	25	NUM
fsr-3451	434	6	,	,	PUNCT
fsr-3451	434	7	557	557	NUM
fsr-3451	434	8	-	-	SYM
fsr-3451	434	9	576	576	NUM
fsr-3451	434	10	.	.	PUNCT
fsr-3451	435	1	iberahim	iberahim	PROPN
fsr-3451	435	2	,	,	PUNCT
fsr-3451	435	3	h.	h.	PROPN
fsr-3451	435	4	,	,	PUNCT
fsr-3451	435	5	mohd	mohd	PROPN
fsr-3451	435	6	taufik	taufik	PROPN
fsr-3451	435	7	,	,	PUNCT
fsr-3451	435	8	n.	n.	PROPN
fsr-3451	435	9	k.	k.	PROPN
fsr-3451	435	10	,	,	PUNCT
fsr-3451	435	11	mohd	mohd	PROPN
fsr-3451	435	12	adzmir	adzmir	PROPN
fsr-3451	435	13	,	,	PUNCT
fsr-3451	435	14	a.	a.	PROPN
fsr-3451	435	15	s.	s.	PROPN
fsr-3451	435	16	,	,	PUNCT
fsr-3451	435	17	&	&	CCONJ
fsr-3451	435	18	saharuddin	saharuddin	PROPN
fsr-3451	435	19	,	,	PUNCT
fsr-3451	435	20	h.	h.	PROPN
fsr-3451	435	21	(	(	PUNCT
fsr-3451	435	22	2016	2016	NUM
fsr-3451	435	23	)	)	PUNCT
fsr-3451	435	24	.	.	PUNCT
fsr-3451	436	1	customer	customer	NOUN
fsr-3451	436	2	satisfaction	satisfaction	NOUN
fsr-3451	436	3	on	on	ADP
fsr-3451	436	4	reliability	reliability	NOUN
fsr-3451	436	5	and	and	CCONJ
fsr-3451	436	6	responsiveness	responsiveness	NOUN
fsr-3451	436	7	of	of	ADP
fsr-3451	436	8	self	self	NOUN
fsr-3451	436	9	service	service	NOUN
fsr-3451	436	10	technology	technology	NOUN
fsr-3451	436	11	for	for	ADP
fsr-3451	436	12	retail	retail	ADJ
fsr-3451	436	13	banking	banking	NOUN
fsr-3451	436	14	services	service	NOUN
fsr-3451	436	15	.	.	PUNCT
fsr-3451	437	1	procedia	procedia	NOUN
fsr-3451	437	2	economics	economic	NOUN
fsr-3451	437	3	and	and	CCONJ
fsr-3451	437	4	finance	finance	NOUN
fsr-3451	437	5	,	,	PUNCT
fsr-3451	437	6	37	37	NUM
fsr-3451	437	7	,	,	PUNCT
fsr-3451	437	8	13	13	NUM
fsr-3451	437	9	-	-	SYM
fsr-3451	437	10	20	20	NUM
fsr-3451	437	11	.	.	PUNCT
fsr-3451	438	1	international	international	ADJ
fsr-3451	438	2	organization	organization	NOUN
fsr-3451	438	3	for	for	ADP
fsr-3451	438	4	standardization	standardization	NOUN
fsr-3451	438	5	.	.	PUNCT
fsr-3451	439	1	(	(	PUNCT
fsr-3451	439	2	1998	1998	NUM
fsr-3451	439	3	)	)	PUNCT
fsr-3451	439	4	.	.	PUNCT
fsr-3451	440	1	ergonomic	ergonomic	ADJ
fsr-3451	440	2	requirements	requirement	NOUN
fsr-3451	440	3	for	for	ADP
fsr-3451	440	4	office	office	NOUN
fsr-3451	440	5	work	work	NOUN
fsr-3451	440	6	with	with	ADP
fsr-3451	440	7	visual	visual	ADJ
fsr-3451	440	8	display	display	NOUN
fsr-3451	440	9	terminals	terminal	NOUN
fsr-3451	440	10	–	–	PUNCT
fsr-3451	440	11	part	part	NOUN
fsr-3451	440	12	11	11	NUM
fsr-3451	440	13	:	:	PUNCT
fsr-3451	440	14	guidance	guidance	NOUN
fsr-3451	440	15	on	on	ADP
fsr-3451	440	16	usability	usability	NOUN
fsr-3451	440	17	.	.	PUNCT
fsr-3451	441	1	(	(	PUNCT
fsr-3451	441	2	document	document	NOUN
fsr-3451	441	3	no	no	INTJ
fsr-3451	441	4	.	.	PUNCT
fsr-3451	441	5	9241–11	9241–11	NOUN
fsr-3451	441	6	)	)	PUNCT
fsr-3451	441	7	.	.	PUNCT
fsr-3451	442	1	jöreskog	jöreskog	PROPN
fsr-3451	442	2	,	,	PUNCT
fsr-3451	442	3	k.	k.	PROPN
fsr-3451	442	4	g.	g.	PROPN
fsr-3451	442	5	,	,	PUNCT
fsr-3451	442	6	&	&	CCONJ
fsr-3451	442	7	sörbom	sörbom	PROPN
fsr-3451	442	8	,	,	PUNCT
fsr-3451	442	9	d.	d.	PROPN
fsr-3451	442	10	(	(	PUNCT
fsr-3451	442	11	1993	1993	NUM
fsr-3451	442	12	)	)	PUNCT
fsr-3451	442	13	.	.	PUNCT
fsr-3451	443	1	lisrel	lisrel	NOUN
fsr-3451	443	2	8	8	NUM
fsr-3451	443	3	:	:	PUNCT
fsr-3451	443	4	structural	structural	ADJ
fsr-3451	443	5	equation	equation	NOUN
fsr-3451	443	6	modeling	modeling	NOUN
fsr-3451	443	7	with	with	ADP
fsr-3451	443	8	the	the	DET
fsr-3451	443	9	simplis	simplis	PROPN
fsr-3451	443	10	command	command	VERB
fsr-3451	443	11	language	language	NOUN
fsr-3451	443	12	.	.	PUNCT
fsr-3451	444	1	chicago	chicago	PROPN
fsr-3451	444	2	,	,	PUNCT
fsr-3451	444	3	il	il	PROPN
fsr-3451	444	4	:	:	PUNCT
fsr-3451	444	5	scientific	scientific	ADJ
fsr-3451	444	6	software	software	NOUN
fsr-3451	444	7	international	international	ADJ
fsr-3451	444	8	.	.	PUNCT
fsr-3451	445	1	jöreskog	jöreskog	PROPN
fsr-3451	445	2	,	,	PUNCT
fsr-3451	445	3	k.	k.	PROPN
fsr-3451	445	4	g.	g.	PROPN
fsr-3451	445	5	,	,	PUNCT
fsr-3451	445	6	olsson	olsson	PROPN
fsr-3451	445	7	,	,	PUNCT
fsr-3451	445	8	u.	u.	PROPN
fsr-3451	445	9	h.	h.	PROPN
fsr-3451	445	10	,	,	PUNCT
fsr-3451	445	11	&	&	CCONJ
fsr-3451	445	12	wallentin	wallentin	PROPN
fsr-3451	445	13	,	,	PUNCT
fsr-3451	445	14	f.	f.	PROPN
fsr-3451	445	15	y.	y.	PROPN
fsr-3451	445	16	(	(	PUNCT
fsr-3451	445	17	2016	2016	NUM
fsr-3451	445	18	)	)	PUNCT
fsr-3451	445	19	.	.	PUNCT
fsr-3451	446	1	multivariate	multivariate	VERB
fsr-3451	446	2	analysis	analysis	NOUN
fsr-3451	446	3	with	with	ADP
fsr-3451	446	4	lisrel	lisrel	NOUN
fsr-3451	446	5	.	.	PUNCT
fsr-3451	447	1	basel	basel	PROPN
fsr-3451	447	2	,	,	PUNCT
fsr-3451	447	3	switzerland	switzerland	PROPN
fsr-3451	447	4	:	:	PUNCT
fsr-3451	447	5	springer	springer	NOUN
fsr-3451	447	6	.	.	PUNCT
fsr-3451	448	1	jun	jun	PROPN
fsr-3451	448	2	,	,	PUNCT
fsr-3451	448	3	m.	m.	NOUN
fsr-3451	448	4	,	,	PUNCT
fsr-3451	448	5	&	&	CCONJ
fsr-3451	448	6	palacios	palacio	NOUN
fsr-3451	448	7	,	,	PUNCT
fsr-3451	448	8	s.	s.	PROPN
fsr-3451	448	9	(	(	PUNCT
fsr-3451	448	10	2016	2016	NUM
fsr-3451	448	11	)	)	PUNCT
fsr-3451	448	12	.	.	PUNCT
fsr-3451	449	1	examining	examine	VERB
fsr-3451	449	2	the	the	DET
fsr-3451	449	3	key	key	ADJ
fsr-3451	449	4	dimensions	dimension	NOUN
fsr-3451	449	5	of	of	ADP
fsr-3451	449	6	mobile	mobile	ADJ
fsr-3451	449	7	banking	banking	NOUN
fsr-3451	449	8	service	service	NOUN
fsr-3451	449	9	quality	quality	NOUN
fsr-3451	449	10	:	:	PUNCT
fsr-3451	449	11	an	an	DET
fsr-3451	449	12	exploratory	exploratory	ADJ
fsr-3451	449	13	study	study	NOUN
fsr-3451	449	14	.	.	PUNCT
fsr-3451	450	1	international	international	ADJ
fsr-3451	450	2	journal	journal	PROPN
fsr-3451	450	3	of	of	ADP
fsr-3451	450	4	bank	bank	PROPN
fsr-3451	450	5	marketing	marketing	NOUN
fsr-3451	450	6	,	,	PUNCT
fsr-3451	450	7	34	34	NUM
fsr-3451	450	8	,	,	PUNCT
fsr-3451	450	9	307	307	NUM
fsr-3451	450	10	-	-	SYM
fsr-3451	450	11	326	326	NUM
fsr-3451	450	12	.	.	PUNCT
fsr-3451	451	1	kandampully	kandampully	PROPN
fsr-3451	451	2	,	,	PUNCT
fsr-3451	451	3	j.	j.	PROPN
fsr-3451	451	4	,	,	PUNCT
fsr-3451	451	5	zhang	zhang	PROPN
fsr-3451	451	6	,	,	PUNCT
fsr-3451	451	7	t.	t.	PROPN
fsr-3451	451	8	(	(	PUNCT
fsr-3451	451	9	christina	christina	PROPN
fsr-3451	451	10	)	)	PUNCT
fsr-3451	451	11	,	,	PUNCT
fsr-3451	451	12	&	&	CCONJ
fsr-3451	451	13	bilgihan	bilgihan	PROPN
fsr-3451	451	14	,	,	PUNCT
fsr-3451	451	15	a.	a.	NOUN
fsr-3451	451	16	(	(	PUNCT
fsr-3451	451	17	2015	2015	NUM
fsr-3451	451	18	)	)	PUNCT
fsr-3451	451	19	.	.	PUNCT
fsr-3451	452	1	customer	customer	NOUN
fsr-3451	452	2	loyalty	loyalty	NOUN
fsr-3451	452	3	:	:	PUNCT
fsr-3451	452	4	a	a	DET
fsr-3451	452	5	review	review	NOUN
fsr-3451	452	6	and	and	CCONJ
fsr-3451	452	7	future	future	ADJ
fsr-3451	452	8	directions	direction	NOUN
fsr-3451	452	9	with	with	ADP
fsr-3451	452	10	a	a	DET
fsr-3451	452	11	special	special	ADJ
fsr-3451	452	12	focus	focus	NOUN
fsr-3451	452	13	on	on	ADP
fsr-3451	452	14	the	the	DET
fsr-3451	452	15	hospitality	hospitality	NOUN
fsr-3451	452	16	industry	industry	NOUN
fsr-3451	452	17	.	.	PUNCT
fsr-3451	453	1	international	international	ADJ
fsr-3451	453	2	journal	journal	PROPN
fsr-3451	453	3	of	of	ADP
fsr-3451	453	4	contemporary	contemporary	PROPN
fsr-3451	453	5	hospitality	hospitality	PROPN
fsr-3451	453	6	management	management	NOUN
fsr-3451	453	7	,	,	PUNCT
fsr-3451	453	8	27	27	NUM
fsr-3451	453	9	,	,	PUNCT
fsr-3451	453	10	379	379	NUM
fsr-3451	453	11	-	-	SYM
fsr-3451	453	12	414	414	NUM
fsr-3451	453	13	.	.	NOUN
fsr-3451	453	14	164	164	NUM
fsr-3451	453	15	m.	m.	NOUN
fsr-3451	453	16	nourallah	nourallah	PROPN
fsr-3451	453	17	et	et	PROPN
fsr-3451	453	18	al	al	PROPN
fsr-3451	453	19	.	.	PUNCT
fsr-3451	453	20	/	/	SYM
fsr-3451	453	21	financial	financial	ADJ
fsr-3451	453	22	services	service	NOUN
fsr-3451	453	23	review	review	VERB
fsr-3451	453	24	29	29	NUM
fsr-3451	453	25	(	(	PUNCT
fsr-3451	453	26	2021	2021	NUM
fsr-3451	453	27	)	)	PUNCT
fsr-3451	453	28	147–167	147–167	NUM
fsr-3451	453	29	kang	kang	PROPN
fsr-3451	453	30	,	,	PUNCT
fsr-3451	453	31	h.	h.	PROPN
fsr-3451	453	32	,	,	PUNCT
fsr-3451	453	33	lee	lee	PROPN
fsr-3451	453	34	,	,	PUNCT
fsr-3451	453	35	m.	m.	PROPN
fsr-3451	453	36	j.	j.	PROPN
fsr-3451	453	37	,	,	PUNCT
fsr-3451	453	38	&	&	CCONJ
fsr-3451	453	39	lee	lee	PROPN
fsr-3451	453	40	,	,	PUNCT
fsr-3451	453	41	j.	j.	PROPN
fsr-3451	453	42	k.	k.	PROPN
fsr-3451	453	43	(	(	PUNCT
fsr-3451	453	44	2012	2012	NUM
fsr-3451	453	45	)	)	PUNCT
fsr-3451	453	46	.	.	PUNCT
fsr-3451	454	1	are	be	AUX
fsr-3451	454	2	you	you	PRON
fsr-3451	454	3	still	still	ADV
fsr-3451	454	4	with	with	ADP
fsr-3451	454	5	us	we	PRON
fsr-3451	454	6	?	?	PUNCT
fsr-3451	455	1	a	a	DET
fsr-3451	455	2	study	study	NOUN
fsr-3451	455	3	of	of	ADP
fsr-3451	455	4	the	the	DET
fsr-3451	455	5	post	post	ADJ
fsr-3451	455	6	-	-	ADJ
fsr-3451	455	7	adoption	adoption	ADJ
fsr-3451	455	8	determinants	determinant	NOUN
fsr-3451	455	9	of	of	ADP
fsr-3451	455	10	sustained	sustained	ADJ
fsr-3451	455	11	use	use	NOUN
fsr-3451	455	12	of	of	ADP
fsr-3451	455	13	mobile	mobile	ADJ
fsr-3451	455	14	-	-	PUNCT
fsr-3451	455	15	banking	banking	NOUN
fsr-3451	455	16	services	service	NOUN
fsr-3451	455	17	.	.	PUNCT
fsr-3451	456	1	journal	journal	NOUN
fsr-3451	456	2	of	of	ADP
fsr-3451	456	3	organizational	organizational	ADJ
fsr-3451	456	4	computing	computing	NOUN
fsr-3451	456	5	and	and	CCONJ
fsr-3451	456	6	electronic	electronic	ADJ
fsr-3451	456	7	commerce	commerce	NOUN
fsr-3451	456	8	,	,	PUNCT
fsr-3451	456	9	22	22	NUM
fsr-3451	456	10	,	,	PUNCT
fsr-3451	456	11	132	132	NUM
fsr-3451	456	12	-	-	SYM
fsr-3451	456	13	159	159	NUM
fsr-3451	456	14	.	.	PUNCT
fsr-3451	457	1	karatepe	karatepe	PROPN
fsr-3451	457	2	,	,	PUNCT
fsr-3451	457	3	o.	o.	PROPN
fsr-3451	457	4	m.	m.	NOUN
fsr-3451	457	5	(	(	PUNCT
fsr-3451	457	6	2011	2011	NUM
fsr-3451	457	7	)	)	PUNCT
fsr-3451	457	8	.	.	PUNCT
fsr-3451	458	1	service	service	NOUN
fsr-3451	458	2	quality	quality	NOUN
fsr-3451	458	3	,	,	PUNCT
fsr-3451	458	4	customer	customer	NOUN
fsr-3451	458	5	satisfaction	satisfaction	NOUN
fsr-3451	458	6	and	and	CCONJ
fsr-3451	458	7	loyalty	loyalty	NOUN
fsr-3451	458	8	:	:	PUNCT
fsr-3451	458	9	the	the	DET
fsr-3451	458	10	moderating	moderate	VERB
fsr-3451	458	11	role	role	NOUN
fsr-3451	458	12	of	of	ADP
fsr-3451	458	13	gender	gender	NOUN
fsr-3451	458	14	.	.	PUNCT
fsr-3451	459	1	journal	journal	PROPN
fsr-3451	459	2	of	of	ADP
fsr-3451	459	3	business	business	NOUN
fsr-3451	459	4	economics	economic	NOUN
fsr-3451	459	5	and	and	CCONJ
fsr-3451	459	6	management	management	NOUN
fsr-3451	459	7	,	,	PUNCT
fsr-3451	459	8	12	12	NUM
fsr-3451	459	9	,	,	PUNCT
fsr-3451	459	10	278	278	NUM
fsr-3451	459	11	-	-	SYM
fsr-3451	459	12	300	300	NUM
fsr-3451	459	13	.	.	PUNCT
fsr-3451	460	1	kassim	kassim	PROPN
fsr-3451	460	2	,	,	PUNCT
fsr-3451	460	3	n.	n.	PROPN
fsr-3451	460	4	,	,	PUNCT
fsr-3451	460	5	&	&	CCONJ
fsr-3451	460	6	asiah	asiah	PROPN
fsr-3451	460	7	abdullah	abdullah	PROPN
fsr-3451	460	8	,	,	PUNCT
fsr-3451	460	9	n.	n.	PROPN
fsr-3451	460	10	(	(	PUNCT
fsr-3451	460	11	2010	2010	NUM
fsr-3451	460	12	)	)	PUNCT
fsr-3451	460	13	.	.	PUNCT
fsr-3451	461	1	the	the	DET
fsr-3451	461	2	effect	effect	NOUN
fsr-3451	461	3	of	of	ADP
fsr-3451	461	4	perceived	perceive	VERB
fsr-3451	461	5	service	service	NOUN
fsr-3451	461	6	quality	quality	NOUN
fsr-3451	461	7	dimensions	dimension	NOUN
fsr-3451	461	8	on	on	ADP
fsr-3451	461	9	customer	customer	NOUN
fsr-3451	461	10	satisfaction	satisfaction	NOUN
fsr-3451	461	11	,	,	PUNCT
fsr-3451	461	12	trust	trust	NOUN
fsr-3451	461	13	,	,	PUNCT
fsr-3451	461	14	and	and	CCONJ
fsr-3451	461	15	loyalty	loyalty	NOUN
fsr-3451	461	16	in	in	ADP
fsr-3451	461	17	e	e	NOUN
fsr-3451	461	18	-	-	NOUN
fsr-3451	461	19	commerce	commerce	NOUN
fsr-3451	461	20	settings	setting	NOUN
fsr-3451	461	21	:	:	PUNCT
fsr-3451	461	22	a	a	DET
fsr-3451	461	23	cross	cross	ADJ
fsr-3451	461	24	cultural	cultural	ADJ
fsr-3451	461	25	analysis	analysis	NOUN
fsr-3451	461	26	.	.	PUNCT
fsr-3451	462	1	asia	asia	PROPN
fsr-3451	462	2	pacific	pacific	PROPN
fsr-3451	462	3	journal	journal	PROPN
fsr-3451	462	4	of	of	ADP
fsr-3451	462	5	marketing	marketing	NOUN
fsr-3451	462	6	and	and	CCONJ
fsr-3451	462	7	logistics	logistic	NOUN
fsr-3451	462	8	,	,	PUNCT
fsr-3451	462	9	22	22	NUM
fsr-3451	462	10	,	,	PUNCT
fsr-3451	462	11	351	351	NUM
fsr-3451	462	12	-	-	SYM
fsr-3451	462	13	371	371	NUM
fsr-3451	462	14	.	.	PUNCT
fsr-3451	463	1	kaur	kaur	PROPN
fsr-3451	463	2	,	,	PUNCT
fsr-3451	463	3	a.	a.	PROPN
fsr-3451	463	4	,	,	PUNCT
fsr-3451	463	5	&	&	CCONJ
fsr-3451	463	6	medury	medury	PROPN
fsr-3451	463	7	,	,	PUNCT
fsr-3451	463	8	y.	y.	PROPN
fsr-3451	463	9	(	(	PUNCT
fsr-3451	463	10	2011	2011	NUM
fsr-3451	463	11	)	)	PUNCT
fsr-3451	463	12	.	.	PUNCT
fsr-3451	464	1	impact	impact	NOUN
fsr-3451	464	2	of	of	ADP
fsr-3451	464	3	the	the	DET
fsr-3451	464	4	internet	internet	NOUN
fsr-3451	464	5	on	on	ADP
fsr-3451	464	6	teenagers	teenager	NOUN
fsr-3451	464	7	’	'	PUNCT
fsr-3451	464	8	influence	influence	NOUN
fsr-3451	464	9	on	on	ADP
fsr-3451	464	10	family	family	NOUN
fsr-3451	464	11	purchases	purchase	NOUN
fsr-3451	464	12	.	.	PUNCT
fsr-3451	465	1	young	young	ADJ
fsr-3451	465	2	consumers	consumer	NOUN
fsr-3451	465	3	,	,	PUNCT
fsr-3451	465	4	12	12	NUM
fsr-3451	465	5	,	,	PUNCT
fsr-3451	465	6	27	27	NUM
fsr-3451	465	7	-	-	SYM
fsr-3451	465	8	38	38	NUM
fsr-3451	465	9	.	.	PUNCT
fsr-3451	466	1	killins	killin	NOUN
fsr-3451	466	2	,	,	PUNCT
fsr-3451	466	3	r.	r.	PROPN
fsr-3451	466	4	n.	n.	PROPN
fsr-3451	466	5	(	(	PUNCT
fsr-3451	466	6	2017	2017	NUM
fsr-3451	466	7	)	)	PUNCT
fsr-3451	466	8	.	.	PUNCT
fsr-3451	467	1	the	the	DET
fsr-3451	467	2	financial	financial	ADJ
fsr-3451	467	3	literacy	literacy	NOUN
fsr-3451	467	4	of	of	ADP
fsr-3451	467	5	generation	generation	NOUN
fsr-3451	467	6	y	y	PROPN
fsr-3451	467	7	and	and	CCONJ
fsr-3451	467	8	the	the	DET
fsr-3451	467	9	influence	influence	NOUN
fsr-3451	467	10	that	that	PRON
fsr-3451	467	11	personality	personality	NOUN
fsr-3451	467	12	traits	trait	NOUN
fsr-3451	467	13	have	have	VERB
fsr-3451	467	14	on	on	ADP
fsr-3451	467	15	financial	financial	ADJ
fsr-3451	467	16	knowledge	knowledge	NOUN
fsr-3451	467	17	:	:	PUNCT
fsr-3451	467	18	evidence	evidence	NOUN
fsr-3451	467	19	from	from	ADP
fsr-3451	467	20	canada	canada	PROPN
fsr-3451	467	21	.	.	PUNCT
fsr-3451	468	1	financial	financial	PROPN
fsr-3451	468	2	services	services	PROPN
fsr-3451	468	3	review	review	PROPN
fsr-3451	468	4	,	,	PUNCT
fsr-3451	468	5	26	26	NUM
fsr-3451	468	6	,	,	PUNCT
fsr-3451	468	7	143	143	NUM
fsr-3451	468	8	-	-	SYM
fsr-3451	468	9	165	165	NUM
fsr-3451	468	10	.	.	PUNCT
fsr-3451	469	1	koenig	koenig	PROPN
fsr-3451	469	2	-	-	PUNCT
fsr-3451	469	3	lewis	lewis	PROPN
fsr-3451	469	4	,	,	PUNCT
fsr-3451	469	5	n.	n.	NOUN
fsr-3451	469	6	,	,	PUNCT
fsr-3451	469	7	palmer	palmer	PROPN
fsr-3451	469	8	,	,	PUNCT
fsr-3451	469	9	a.	a.	PROPN
fsr-3451	469	10	,	,	PUNCT
fsr-3451	469	11	&	&	CCONJ
fsr-3451	469	12	moll	moll	PROPN
fsr-3451	469	13	,	,	PUNCT
fsr-3451	469	14	a.	a.	NOUN
fsr-3451	469	15	(	(	PUNCT
fsr-3451	469	16	2010	2010	NUM
fsr-3451	469	17	)	)	PUNCT
fsr-3451	469	18	.	.	PUNCT
fsr-3451	470	1	predicting	predict	VERB
fsr-3451	470	2	young	young	ADJ
fsr-3451	470	3	consumers	consumer	NOUN
fsr-3451	470	4	’	'	PUNCT
fsr-3451	470	5	take	take	VERB
fsr-3451	470	6	up	up	ADP
fsr-3451	470	7	of	of	ADP
fsr-3451	470	8	mobile	mobile	ADJ
fsr-3451	470	9	banking	banking	NOUN
fsr-3451	470	10	services.marketing	services.markete	VERB
fsr-3451	470	11	intelligence	intelligence	NOUN
fsr-3451	470	12	and	and	CCONJ
fsr-3451	470	13	planning	planning	NOUN
fsr-3451	470	14	,	,	PUNCT
fsr-3451	470	15	28	28	NUM
fsr-3451	470	16	,	,	PUNCT
fsr-3451	470	17	410	410	NUM
fsr-3451	470	18	-	-	SYM
fsr-3451	470	19	432	432	NUM
fsr-3451	470	20	.	.	PUNCT
fsr-3451	471	1	laforet	laforet	PROPN
fsr-3451	471	2	,	,	PUNCT
fsr-3451	471	3	s.	s.	PROPN
fsr-3451	471	4	,	,	PUNCT
fsr-3451	471	5	&	&	CCONJ
fsr-3451	471	6	li	li	PROPN
fsr-3451	471	7	,	,	PUNCT
fsr-3451	471	8	x.	x.	PROPN
fsr-3451	471	9	(	(	PUNCT
fsr-3451	471	10	2005	2005	NUM
fsr-3451	471	11	)	)	PUNCT
fsr-3451	471	12	.	.	PUNCT
fsr-3451	472	1	consumers	consumer	NOUN
fsr-3451	472	2	’	’	PART
fsr-3451	472	3	attitudes	attitude	NOUN
fsr-3451	472	4	towards	towards	ADP
fsr-3451	472	5	online	online	ADJ
fsr-3451	472	6	and	and	CCONJ
fsr-3451	472	7	mobile	mobile	ADJ
fsr-3451	472	8	banking	banking	NOUN
fsr-3451	472	9	in	in	ADP
fsr-3451	472	10	china	china	PROPN
fsr-3451	472	11	.	.	PUNCT
fsr-3451	473	1	international	international	ADJ
fsr-3451	473	2	journal	journal	PROPN
fsr-3451	473	3	of	of	ADP
fsr-3451	473	4	bank	bank	PROPN
fsr-3451	473	5	marketing	marketing	NOUN
fsr-3451	473	6	,	,	PUNCT
fsr-3451	473	7	23	23	NUM
fsr-3451	473	8	,	,	PUNCT
fsr-3451	473	9	362	362	NUM
fsr-3451	473	10	-	-	SYM
fsr-3451	473	11	380	380	NUM
fsr-3451	473	12	.	.	PUNCT
fsr-3451	474	1	larsson	larsson	PROPN
fsr-3451	474	2	,	,	PUNCT
fsr-3451	474	3	a.	a.	PROPN
fsr-3451	474	4	,	,	PUNCT
fsr-3451	474	5	&	&	CCONJ
fsr-3451	474	6	viitaoja	viitaoja	PROPN
fsr-3451	474	7	,	,	PUNCT
fsr-3451	474	8	y.	y.	PROPN
fsr-3451	474	9	(	(	PUNCT
fsr-3451	474	10	2017	2017	NUM
fsr-3451	474	11	)	)	PUNCT
fsr-3451	474	12	.	.	PUNCT
fsr-3451	475	1	building	build	VERB
fsr-3451	475	2	customer	customer	NOUN
fsr-3451	475	3	loyalty	loyalty	NOUN
fsr-3451	475	4	in	in	ADP
fsr-3451	475	5	digital	digital	ADJ
fsr-3451	475	6	banking	banking	NOUN
fsr-3451	475	7	.	.	PUNCT
fsr-3451	476	1	international	international	ADJ
fsr-3451	476	2	journal	journal	PROPN
fsr-3451	476	3	of	of	ADP
fsr-3451	476	4	bank	bank	PROPN
fsr-3451	476	5	marketing	marketing	NOUN
fsr-3451	476	6	,	,	PUNCT
fsr-3451	476	7	35	35	NUM
fsr-3451	476	8	,	,	PUNCT
fsr-3451	476	9	858	858	NUM
fsr-3451	476	10	-	-	SYM
fsr-3451	476	11	877	877	NUM
fsr-3451	476	12	.	.	PUNCT
fsr-3451	477	1	laukkanen	laukkanen	ADJ
fsr-3451	477	2	,	,	PUNCT
fsr-3451	477	3	t.	t.	PROPN
fsr-3451	477	4	(	(	PUNCT
fsr-3451	477	5	2007	2007	NUM
fsr-3451	477	6	)	)	PUNCT
fsr-3451	477	7	.	.	PUNCT
fsr-3451	478	1	internet	internet	NOUN
fsr-3451	478	2	vs	vs	ADP
fsr-3451	478	3	mobile	mobile	ADJ
fsr-3451	478	4	banking	banking	NOUN
fsr-3451	478	5	:	:	PUNCT
fsr-3451	478	6	comparing	compare	VERB
fsr-3451	478	7	customer	customer	NOUN
fsr-3451	478	8	value	value	NOUN
fsr-3451	478	9	perceptions	perception	NOUN
fsr-3451	478	10	.	.	PUNCT
fsr-3451	479	1	business	business	NOUN
fsr-3451	479	2	process	process	NOUN
fsr-3451	479	3	management	management	NOUN
fsr-3451	479	4	journal	journal	NOUN
fsr-3451	479	5	,	,	PUNCT
fsr-3451	479	6	13	13	NUM
fsr-3451	479	7	,	,	PUNCT
fsr-3451	479	8	788	788	NUM
fsr-3451	479	9	-	-	SYM
fsr-3451	479	10	797	797	NUM
fsr-3451	479	11	.	.	PUNCT
fsr-3451	480	1	lee	lee	PROPN
fsr-3451	480	2	,	,	PUNCT
fsr-3451	480	3	k.	k.	PROPN
fsr-3451	480	4	c.	c.	PROPN
fsr-3451	480	5	,	,	PUNCT
fsr-3451	480	6	&	&	CCONJ
fsr-3451	480	7	chung	chung	PROPN
fsr-3451	480	8	,	,	PUNCT
fsr-3451	480	9	n.	n.	NOUN
fsr-3451	480	10	(	(	PUNCT
fsr-3451	480	11	2009	2009	NUM
fsr-3451	480	12	)	)	PUNCT
fsr-3451	480	13	.	.	PUNCT
fsr-3451	481	1	understanding	understand	VERB
fsr-3451	481	2	factors	factor	NOUN
fsr-3451	481	3	affecting	affect	VERB
fsr-3451	481	4	trust	trust	NOUN
fsr-3451	481	5	in	in	ADP
fsr-3451	481	6	and	and	CCONJ
fsr-3451	481	7	satisfaction	satisfaction	VERB
fsr-3451	481	8	with	with	ADP
fsr-3451	481	9	mobile	mobile	ADJ
fsr-3451	481	10	banking	banking	NOUN
fsr-3451	481	11	in	in	ADP
fsr-3451	481	12	korea	korea	PROPN
fsr-3451	481	13	:	:	PUNCT
fsr-3451	481	14	a	a	DET
fsr-3451	481	15	modified	modify	VERB
fsr-3451	481	16	delone	delone	NOUN
fsr-3451	481	17	and	and	CCONJ
fsr-3451	481	18	mclean	mclean	PROPN
fsr-3451	481	19	’s	’s	PART
fsr-3451	481	20	model	model	PROPN
fsr-3451	481	21	perspective	perspective	PROPN
fsr-3451	481	22	.	.	PUNCT
fsr-3451	482	1	interacting	interact	VERB
fsr-3451	482	2	with	with	ADP
fsr-3451	482	3	computers	computer	NOUN
fsr-3451	482	4	,	,	PUNCT
fsr-3451	482	5	21	21	NUM
fsr-3451	482	6	,	,	PUNCT
fsr-3451	482	7	385	385	NUM
fsr-3451	482	8	-	-	SYM
fsr-3451	482	9	392	392	NUM
fsr-3451	482	10	.	.	PUNCT
fsr-3451	483	1	lee	lee	PROPN
fsr-3451	483	2	,	,	PUNCT
fsr-3451	483	3	y.	y.	PROPN
fsr-3451	483	4	,	,	PUNCT
fsr-3451	483	5	&	&	CCONJ
fsr-3451	483	6	kozar	kozar	PROPN
fsr-3451	483	7	,	,	PUNCT
fsr-3451	483	8	k.	k.	PROPN
fsr-3451	483	9	a.	a.	PROPN
fsr-3451	483	10	(	(	PUNCT
fsr-3451	483	11	2012	2012	NUM
fsr-3451	483	12	)	)	PUNCT
fsr-3451	483	13	.	.	PUNCT
fsr-3451	484	1	understanding	understanding	NOUN
fsr-3451	484	2	of	of	ADP
fsr-3451	484	3	website	website	NOUN
fsr-3451	484	4	usability	usability	NOUN
fsr-3451	484	5	:	:	PUNCT
fsr-3451	484	6	specifying	specify	VERB
fsr-3451	484	7	and	and	CCONJ
fsr-3451	484	8	measuring	measure	VERB
fsr-3451	484	9	constructs	construct	NOUN
fsr-3451	484	10	and	and	CCONJ
fsr-3451	484	11	their	their	PRON
fsr-3451	484	12	relationships	relationship	NOUN
fsr-3451	484	13	.	.	PUNCT
fsr-3451	485	1	decision	decision	NOUN
fsr-3451	485	2	support	support	NOUN
fsr-3451	485	3	systems	system	NOUN
fsr-3451	485	4	,	,	PUNCT
fsr-3451	485	5	52	52	NUM
fsr-3451	485	6	,	,	PUNCT
fsr-3451	485	7	450	450	NUM
fsr-3451	485	8	-	-	SYM
fsr-3451	485	9	463	463	NUM
fsr-3451	485	10	.	.	PUNCT
fsr-3451	486	1	lee	lee	PROPN
fsr-3451	486	2	,	,	PUNCT
fsr-3451	486	3	y.	y.	PROPN
fsr-3451	486	4	k.	k.	PROPN
fsr-3451	486	5	,	,	PUNCT
fsr-3451	486	6	park	park	PROPN
fsr-3451	486	7	,	,	PUNCT
fsr-3451	486	8	j.	j.	PROPN
fsr-3451	486	9	h.	h.	PROPN
fsr-3451	486	10	,	,	PUNCT
fsr-3451	486	11	chung	chung	PROPN
fsr-3451	486	12	,	,	PUNCT
fsr-3451	486	13	n.	n.	NOUN
fsr-3451	486	14	,	,	PUNCT
fsr-3451	486	15	&	&	CCONJ
fsr-3451	486	16	blakeney	blakeney	PROPN
fsr-3451	486	17	,	,	PUNCT
fsr-3451	486	18	a.	a.	PROPN
fsr-3451	486	19	(	(	PUNCT
fsr-3451	486	20	2012	2012	NUM
fsr-3451	486	21	)	)	PUNCT
fsr-3451	486	22	.	.	PUNCT
fsr-3451	487	1	a	a	DET
fsr-3451	487	2	unified	unified	ADJ
fsr-3451	487	3	perspective	perspective	NOUN
fsr-3451	487	4	on	on	ADP
fsr-3451	487	5	the	the	DET
fsr-3451	487	6	factors	factor	NOUN
fsr-3451	487	7	influencing	influence	VERB
fsr-3451	487	8	usage	usage	NOUN
fsr-3451	487	9	intention	intention	NOUN
fsr-3451	487	10	toward	toward	ADP
fsr-3451	487	11	mobile	mobile	ADJ
fsr-3451	487	12	financial	financial	ADJ
fsr-3451	487	13	services	service	NOUN
fsr-3451	487	14	.	.	PUNCT
fsr-3451	488	1	journal	journal	PROPN
fsr-3451	488	2	of	of	ADP
fsr-3451	488	3	business	business	NOUN
fsr-3451	488	4	research	research	NOUN
fsr-3451	488	5	,	,	PUNCT
fsr-3451	488	6	65	65	NUM
fsr-3451	488	7	,	,	PUNCT
fsr-3451	488	8	1590	1590	NUM
fsr-3451	488	9	-	-	SYM
fsr-3451	488	10	1599	1599	NUM
fsr-3451	488	11	.	.	PUNCT
fsr-3451	489	1	liébana	liébana	PROPN
fsr-3451	489	2	-	-	PUNCT
fsr-3451	489	3	cabanillas	cabanilla	NOUN
fsr-3451	489	4	,	,	PUNCT
fsr-3451	489	5	f.	f.	PROPN
fsr-3451	489	6	,	,	PUNCT
fsr-3451	489	7	alonso	alonso	PROPN
fsr-3451	489	8	-	-	PUNCT
fsr-3451	489	9	dos	do	NOUN
fsr-3451	489	10	-	-	PUNCT
fsr-3451	489	11	santos	santo	NOUN
fsr-3451	489	12	,	,	PUNCT
fsr-3451	489	13	m.	m.	NOUN
fsr-3451	489	14	,	,	PUNCT
fsr-3451	489	15	soto	soto	NOUN
fsr-3451	489	16	-	-	PUNCT
fsr-3451	489	17	fuentes	fuentes	PROPN
fsr-3451	489	18	,	,	PUNCT
fsr-3451	489	19	y.	y.	PROPN
fsr-3451	489	20	,	,	PUNCT
fsr-3451	489	21	&	&	CCONJ
fsr-3451	489	22	valderrama	valderrama	PROPN
fsr-3451	489	23	-	-	PUNCT
fsr-3451	489	24	palma	palma	NOUN
fsr-3451	489	25	,	,	PUNCT
fsr-3451	489	26	v.	v.	ADP
fsr-3451	489	27	a.	a.	NOUN
fsr-3451	489	28	(	(	PUNCT
fsr-3451	489	29	2017	2017	NUM
fsr-3451	489	30	)	)	PUNCT
fsr-3451	489	31	.	.	PUNCT
fsr-3451	490	1	unobserved	unobserved	ADJ
fsr-3451	490	2	heterogeneity	heterogeneity	NOUN
fsr-3451	490	3	and	and	CCONJ
fsr-3451	490	4	the	the	DET
fsr-3451	490	5	importance	importance	NOUN
fsr-3451	490	6	of	of	ADP
fsr-3451	490	7	customer	customer	NOUN
fsr-3451	490	8	loyalty	loyalty	NOUN
fsr-3451	490	9	in	in	ADP
fsr-3451	490	10	mobile	mobile	ADJ
fsr-3451	490	11	banking	banking	NOUN
fsr-3451	490	12	.	.	PUNCT
fsr-3451	491	1	technology	technology	NOUN
fsr-3451	491	2	analysis	analysis	NOUN
fsr-3451	491	3	&	&	CCONJ
fsr-3451	491	4	strategic	strategic	ADJ
fsr-3451	491	5	management	management	NOUN
fsr-3451	491	6	,	,	PUNCT
fsr-3451	491	7	29	29	NUM
fsr-3451	491	8	,	,	PUNCT
fsr-3451	491	9	1015	1015	NUM
fsr-3451	491	10	-	-	SYM
fsr-3451	491	11	1032	1032	NUM
fsr-3451	491	12	.	.	PUNCT
fsr-3451	492	1	lin	lin	PROPN
fsr-3451	492	2	,	,	PUNCT
fsr-3451	492	3	h.-h	h.-h	NOUN
fsr-3451	492	4	.	.	PUNCT
fsr-3451	492	5	(	(	PUNCT
fsr-3451	492	6	2012	2012	NUM
fsr-3451	492	7	)	)	PUNCT
fsr-3451	492	8	.	.	PUNCT
fsr-3451	493	1	the	the	DET
fsr-3451	493	2	effect	effect	NOUN
fsr-3451	493	3	of	of	ADP
fsr-3451	493	4	multi	multi	ADJ
fsr-3451	493	5	-	-	ADJ
fsr-3451	493	6	channel	channel	ADJ
fsr-3451	493	7	service	service	NOUN
fsr-3451	493	8	quality	quality	NOUN
fsr-3451	493	9	on	on	ADP
fsr-3451	493	10	mobile	mobile	ADJ
fsr-3451	493	11	customer	customer	NOUN
fsr-3451	493	12	loyalty	loyalty	NOUN
fsr-3451	493	13	in	in	ADP
fsr-3451	493	14	an	an	DET
fsr-3451	493	15	online	online	ADJ
fsr-3451	493	16	-	-	PUNCT
fsr-3451	493	17	and	and	CCONJ
fsr-3451	493	18	-	-	PUNCT
fsr-3451	493	19	mobile	mobile	ADJ
fsr-3451	493	20	retail	retail	ADJ
fsr-3451	493	21	context	context	NOUN
fsr-3451	493	22	.	.	PUNCT
fsr-3451	494	1	the	the	DET
fsr-3451	494	2	service	service	NOUN
fsr-3451	494	3	industries	industry	NOUN
fsr-3451	494	4	journal	journal	NOUN
fsr-3451	494	5	,	,	PUNCT
fsr-3451	494	6	32	32	NUM
fsr-3451	494	7	,	,	PUNCT
fsr-3451	494	8	1865	1865	NUM
fsr-3451	494	9	-	-	SYM
fsr-3451	494	10	1882	1882	NUM
fsr-3451	494	11	.	.	PUNCT
fsr-3451	495	1	lin	lin	PROPN
fsr-3451	495	2	,	,	PUNCT
fsr-3451	495	3	h.	h.	PROPN
fsr-3451	495	4	f.	f.	PROPN
fsr-3451	495	5	(	(	PUNCT
fsr-3451	495	6	2013	2013	NUM
fsr-3451	495	7	)	)	PUNCT
fsr-3451	495	8	.	.	PUNCT
fsr-3451	496	1	determining	determine	VERB
fsr-3451	496	2	the	the	DET
fsr-3451	496	3	relative	relative	ADJ
fsr-3451	496	4	importance	importance	NOUN
fsr-3451	496	5	of	of	ADP
fsr-3451	496	6	mobile	mobile	ADJ
fsr-3451	496	7	banking	banking	NOUN
fsr-3451	496	8	quality	quality	NOUN
fsr-3451	496	9	factors	factor	NOUN
fsr-3451	496	10	.	.	PUNCT
fsr-3451	497	1	computer	computer	NOUN
fsr-3451	497	2	standards	standard	NOUN
fsr-3451	497	3	&	&	CCONJ
fsr-3451	497	4	interfaces	interface	NOUN
fsr-3451	497	5	,	,	PUNCT
fsr-3451	497	6	35	35	NUM
fsr-3451	497	7	,	,	PUNCT
fsr-3451	497	8	195	195	NUM
fsr-3451	497	9	-	-	SYM
fsr-3451	497	10	204	204	NUM
fsr-3451	497	11	.	.	PUNCT
fsr-3451	498	1	lin	lin	PROPN
fsr-3451	498	2	,	,	PUNCT
fsr-3451	498	3	h.	h.	PROPN
fsr-3451	498	4	h.	h.	PROPN
fsr-3451	498	5	,	,	PUNCT
fsr-3451	498	6	&	&	CCONJ
fsr-3451	498	7	wang	wang	PROPN
fsr-3451	498	8	,	,	PUNCT
fsr-3451	498	9	y.	y.	PROPN
fsr-3451	498	10	s.	s.	PROPN
fsr-3451	498	11	(	(	PUNCT
fsr-3451	498	12	2006	2006	NUM
fsr-3451	498	13	)	)	PUNCT
fsr-3451	498	14	.	.	PUNCT
fsr-3451	499	1	an	an	DET
fsr-3451	499	2	examination	examination	NOUN
fsr-3451	499	3	of	of	ADP
fsr-3451	499	4	the	the	DET
fsr-3451	499	5	determinants	determinant	NOUN
fsr-3451	499	6	of	of	ADP
fsr-3451	499	7	customer	customer	NOUN
fsr-3451	499	8	loyalty	loyalty	NOUN
fsr-3451	499	9	in	in	ADP
fsr-3451	499	10	mobile	mobile	ADJ
fsr-3451	499	11	commerce	commerce	NOUN
fsr-3451	499	12	contexts	contexts	NOUN
fsr-3451	499	13	.	.	PUNCT
fsr-3451	500	1	information	information	NOUN
fsr-3451	500	2	&	&	CCONJ
fsr-3451	500	3	management	management	PROPN
fsr-3451	500	4	,	,	PUNCT
fsr-3451	500	5	43	43	NUM
fsr-3451	500	6	,	,	PUNCT
fsr-3451	500	7	271	271	NUM
fsr-3451	500	8	-	-	SYM
fsr-3451	500	9	282	282	NUM
fsr-3451	500	10	.	.	PUNCT
fsr-3451	501	1	lu	lu	PROPN
fsr-3451	501	2	,	,	PUNCT
fsr-3451	501	3	m.	m.	NOUN
fsr-3451	501	4	t.	t.	PROPN
fsr-3451	501	5	,	,	PUNCT
fsr-3451	501	6	tzeng	tzeng	PROPN
fsr-3451	501	7	,	,	PUNCT
fsr-3451	501	8	g.	g.	PROPN
fsr-3451	501	9	h.	h.	PROPN
fsr-3451	501	10	,	,	PUNCT
fsr-3451	501	11	cheng	cheng	PROPN
fsr-3451	501	12	,	,	PUNCT
fsr-3451	501	13	h.	h.	PROPN
fsr-3451	501	14	,	,	PUNCT
fsr-3451	501	15	&	&	CCONJ
fsr-3451	501	16	hsu	hsu	PROPN
fsr-3451	501	17	,	,	PUNCT
fsr-3451	501	18	c.	c.	PROPN
fsr-3451	501	19	c.	c.	PROPN
fsr-3451	501	20	(	(	PUNCT
fsr-3451	501	21	2015	2015	NUM
fsr-3451	501	22	)	)	PUNCT
fsr-3451	501	23	.	.	PUNCT
fsr-3451	502	1	exploring	explore	VERB
fsr-3451	502	2	mobile	mobile	ADJ
fsr-3451	502	3	banking	banking	NOUN
fsr-3451	502	4	services	service	NOUN
fsr-3451	502	5	for	for	ADP
fsr-3451	502	6	user	user	NOUN
fsr-3451	502	7	behavior	behavior	NOUN
fsr-3451	502	8	in	in	ADP
fsr-3451	502	9	intention	intention	NOUN
fsr-3451	502	10	adoption	adoption	NOUN
fsr-3451	502	11	:	:	PUNCT
fsr-3451	502	12	using	use	VERB
fsr-3451	502	13	new	new	ADJ
fsr-3451	502	14	hybrid	hybrid	ADJ
fsr-3451	502	15	madm	madm	NOUN
fsr-3451	502	16	model	model	NOUN
fsr-3451	502	17	.	.	PUNCT
fsr-3451	503	1	service	service	NOUN
fsr-3451	503	2	business	business	NOUN
fsr-3451	503	3	,	,	PUNCT
fsr-3451	503	4	9	9	NUM
fsr-3451	503	5	,	,	PUNCT
fsr-3451	503	6	541	541	NUM
fsr-3451	503	7	-	-	SYM
fsr-3451	503	8	565	565	NUM
fsr-3451	503	9	.	.	PUNCT
fsr-3451	504	1	luarn	luarn	PROPN
fsr-3451	504	2	,	,	PUNCT
fsr-3451	504	3	p.	p.	PROPN
fsr-3451	504	4	,	,	PUNCT
fsr-3451	504	5	&	&	CCONJ
fsr-3451	504	6	lin	lin	PROPN
fsr-3451	504	7	,	,	PUNCT
fsr-3451	504	8	h.	h.	PROPN
fsr-3451	504	9	h.	h.	PROPN
fsr-3451	504	10	(	(	PUNCT
fsr-3451	504	11	2005	2005	NUM
fsr-3451	504	12	)	)	PUNCT
fsr-3451	504	13	.	.	PUNCT
fsr-3451	505	1	toward	toward	ADP
fsr-3451	505	2	an	an	DET
fsr-3451	505	3	understanding	understanding	NOUN
fsr-3451	505	4	of	of	ADP
fsr-3451	505	5	the	the	DET
fsr-3451	505	6	behavioral	behavioral	ADJ
fsr-3451	505	7	intention	intention	NOUN
fsr-3451	505	8	to	to	PART
fsr-3451	505	9	use	use	VERB
fsr-3451	505	10	mobile	mobile	ADJ
fsr-3451	505	11	banking	banking	NOUN
fsr-3451	505	12	.	.	PUNCT
fsr-3451	506	1	computers	computer	NOUN
fsr-3451	506	2	in	in	ADP
fsr-3451	506	3	human	human	ADJ
fsr-3451	506	4	behavior	behavior	NOUN
fsr-3451	506	5	,	,	PUNCT
fsr-3451	506	6	21	21	NUM
fsr-3451	506	7	,	,	PUNCT
fsr-3451	506	8	873	873	NUM
fsr-3451	506	9	-	-	NUM
fsr-3451	506	10	891	891	NUM
fsr-3451	506	11	.	.	PUNCT
fsr-3451	507	1	lundell	lundell	NOUN
fsr-3451	507	2	,	,	PUNCT
fsr-3451	507	3	s.	s.	PROPN
fsr-3451	507	4	(	(	PUNCT
fsr-3451	507	5	2019	2019	NUM
fsr-3451	507	6	)	)	PUNCT
fsr-3451	507	7	.	.	PUNCT
fsr-3451	508	1	lunar	lunar	ADJ
fsr-3451	508	2	way	way	NOUN
fsr-3451	508	3	startar	startar	PROPN
fsr-3451	508	4	bank	bank	PROPN
fsr-3451	508	5	i	i	PRON
fsr-3451	508	6	sverige	sverige	VERB
fsr-3451	508	7	–	–	PUNCT
fsr-3451	508	8	ska	ska	NOUN
fsr-3451	508	9	erbjuda	erbjuda	ADJ
fsr-3451	508	10	både	både	NOUN
fsr-3451	508	11	bolån	bolån	VERB
fsr-3451	508	12	och	och	NOUN
fsr-3451	508	13	kreditkort	kreditkort	PROPN
fsr-3451	508	14	.	.	PUNCT
fsr-3451	509	1	(	(	PUNCT
fsr-3451	509	2	available	available	ADJ
fsr-3451	509	3	at	at	ADP
fsr-3451	509	4	https://www.breakit.se/artikel/21392/lunar-way-startar-bank-i-sverige-ska-erbjuda-bade-bolan-och-kreditkort	https://www.breakit.se/artikel/21392/lunar-way-startar-bank-i-sverige-ska-erbjuda-bade-bolan-och-kreditkort	PROPN
fsr-3451	509	5	)	)	PUNCT
fsr-3451	509	6	.	.	PUNCT
fsr-3451	510	1	malaquias	malaquias	PROPN
fsr-3451	510	2	,	,	PUNCT
fsr-3451	510	3	r.	r.	PROPN
fsr-3451	510	4	f.	f.	PROPN
fsr-3451	510	5	,	,	PUNCT
fsr-3451	510	6	&	&	CCONJ
fsr-3451	510	7	hwang	hwang	PROPN
fsr-3451	510	8	,	,	PUNCT
fsr-3451	510	9	y.	y.	PROPN
fsr-3451	510	10	(	(	PUNCT
fsr-3451	510	11	2019	2019	NUM
fsr-3451	510	12	)	)	PUNCT
fsr-3451	510	13	.	.	PUNCT
fsr-3451	511	1	mobile	mobile	ADJ
fsr-3451	511	2	banking	banking	NOUN
fsr-3451	511	3	use	use	NOUN
fsr-3451	511	4	:	:	PUNCT
fsr-3451	511	5	a	a	DET
fsr-3451	511	6	comparative	comparative	ADJ
fsr-3451	511	7	study	study	NOUN
fsr-3451	511	8	with	with	ADP
fsr-3451	511	9	brazilian	brazilian	NOUN
fsr-3451	511	10	and	and	CCONJ
fsr-3451	511	11	u.s	u.s	PROPN
fsr-3451	511	12	.	.	PROPN
fsr-3451	511	13	participants	participant	NOUN
fsr-3451	511	14	.	.	PUNCT
fsr-3451	512	1	international	international	ADJ
fsr-3451	512	2	journal	journal	PROPN
fsr-3451	512	3	of	of	ADP
fsr-3451	512	4	information	information	NOUN
fsr-3451	512	5	management	management	NOUN
fsr-3451	512	6	,	,	PUNCT
fsr-3451	512	7	44	44	NUM
fsr-3451	512	8	,	,	PUNCT
fsr-3451	512	9	132	132	NUM
fsr-3451	512	10	-	-	SYM
fsr-3451	512	11	140	140	NUM
fsr-3451	512	12	.	.	PUNCT
fsr-3451	513	1	mallat	mallat	ADJ
fsr-3451	513	2	,	,	PUNCT
fsr-3451	513	3	n.	n.	NOUN
fsr-3451	513	4	,	,	PUNCT
fsr-3451	513	5	rossi	rossi	ADJ
fsr-3451	513	6	,	,	PUNCT
fsr-3451	513	7	m.	m.	NOUN
fsr-3451	513	8	,	,	PUNCT
fsr-3451	513	9	&	&	CCONJ
fsr-3451	513	10	tuunainen	tuunainen	PROPN
fsr-3451	513	11	,	,	PUNCT
fsr-3451	513	12	v.	v.	PROPN
fsr-3451	513	13	k.	k.	PROPN
fsr-3451	514	1	(	(	PUNCT
fsr-3451	514	2	2004	2004	NUM
fsr-3451	514	3	)	)	PUNCT
fsr-3451	514	4	.	.	PUNCT
fsr-3451	515	1	mobile	mobile	ADJ
fsr-3451	515	2	banking	banking	NOUN
fsr-3451	515	3	services	service	NOUN
fsr-3451	515	4	.	.	PUNCT
fsr-3451	516	1	communications	communication	NOUN
fsr-3451	516	2	of	of	ADP
fsr-3451	516	3	the	the	DET
fsr-3451	516	4	acm	acm	NOUN
fsr-3451	516	5	,	,	PUNCT
fsr-3451	516	6	47	47	NUM
fsr-3451	516	7	,	,	PUNCT
fsr-3451	516	8	42	42	NUM
fsr-3451	516	9	-	-	SYM
fsr-3451	516	10	46	46	NUM
fsr-3451	516	11	.	.	PUNCT
fsr-3451	517	1	marimon	marimon	PROPN
fsr-3451	517	2	,	,	PUNCT
fsr-3451	517	3	f.	f.	PROPN
fsr-3451	517	4	,	,	PUNCT
fsr-3451	517	5	petnji	petnji	NOUN
fsr-3451	517	6	yaya	yaya	PROPN
fsr-3451	517	7	,	,	PUNCT
fsr-3451	517	8	l.	l.	PROPN
fsr-3451	517	9	h.	h.	PROPN
fsr-3451	517	10	,	,	PUNCT
fsr-3451	517	11	&	&	CCONJ
fsr-3451	517	12	casadesus	casadesus	PROPN
fsr-3451	517	13	fa	fa	PROPN
fsr-3451	517	14	,	,	PUNCT
fsr-3451	517	15	m.	m.	NOUN
fsr-3451	517	16	(	(	PUNCT
fsr-3451	517	17	2012	2012	NUM
fsr-3451	517	18	)	)	PUNCT
fsr-3451	517	19	.	.	PUNCT
fsr-3451	518	1	impact	impact	NOUN
fsr-3451	518	2	of	of	ADP
fsr-3451	518	3	e	e	NOUN
fsr-3451	518	4	-	-	NOUN
fsr-3451	518	5	quality	quality	ADJ
fsr-3451	518	6	and	and	CCONJ
fsr-3451	518	7	service	service	NOUN
fsr-3451	518	8	recovery	recovery	NOUN
fsr-3451	518	9	on	on	ADP
fsr-3451	518	10	loyalty	loyalty	NOUN
fsr-3451	518	11	:	:	PUNCT
fsr-3451	518	12	a	a	DET
fsr-3451	518	13	study	study	NOUN
fsr-3451	518	14	of	of	ADP
fsr-3451	518	15	e	e	NOUN
fsr-3451	518	16	-	-	NOUN
fsr-3451	518	17	banking	banking	NOUN
fsr-3451	518	18	in	in	ADP
fsr-3451	518	19	spain	spain	PROPN
fsr-3451	518	20	.	.	PUNCT
fsr-3451	519	1	total	total	ADJ
fsr-3451	519	2	quality	quality	PROPN
fsr-3451	519	3	management	management	PROPN
fsr-3451	519	4	&	&	CCONJ
fsr-3451	519	5	business	business	PROPN
fsr-3451	519	6	excellence	excellence	PROPN
fsr-3451	519	7	,	,	PUNCT
fsr-3451	519	8	23	23	NUM
fsr-3451	519	9	,	,	PUNCT
fsr-3451	519	10	769	769	NUM
fsr-3451	519	11	-	-	SYM
fsr-3451	519	12	787	787	NUM
fsr-3451	519	13	.	.	PUNCT
fsr-3451	519	14	mohammadi	mohammadi	NOUN
fsr-3451	519	15	,	,	PUNCT
fsr-3451	519	16	h.	h.	PROPN
fsr-3451	519	17	(	(	PUNCT
fsr-3451	519	18	2015	2015	NUM
fsr-3451	519	19	)	)	PUNCT
fsr-3451	519	20	.	.	PUNCT
fsr-3451	520	1	a	a	DET
fsr-3451	520	2	study	study	NOUN
fsr-3451	520	3	of	of	ADP
fsr-3451	520	4	mobile	mobile	ADJ
fsr-3451	520	5	banking	banking	NOUN
fsr-3451	520	6	usage	usage	NOUN
fsr-3451	520	7	in	in	ADP
fsr-3451	520	8	iran	iran	PROPN
fsr-3451	520	9	.	.	PUNCT
fsr-3451	521	1	international	international	ADJ
fsr-3451	521	2	journal	journal	PROPN
fsr-3451	521	3	of	of	ADP
fsr-3451	521	4	bank	bank	PROPN
fsr-3451	521	5	marketing	marketing	NOUN
fsr-3451	521	6	,	,	PUNCT
fsr-3451	521	7	33	33	NUM
fsr-3451	521	8	,	,	PUNCT
fsr-3451	521	9	733	733	NUM
fsr-3451	521	10	-	-	SYM
fsr-3451	521	11	759	759	NUM
fsr-3451	521	12	.	.	PUNCT
fsr-3451	522	1	moorthy	moorthy	PROPN
fsr-3451	522	2	,	,	PUNCT
fsr-3451	522	3	k.	k.	PROPN
fsr-3451	522	4	,	,	PUNCT
fsr-3451	522	5	chee	chee	NOUN
fsr-3451	522	6	,	,	PUNCT
fsr-3451	522	7	l.	l.	PROPN
fsr-3451	522	8	e.	e.	PROPN
fsr-3451	522	9	,	,	PUNCT
fsr-3451	522	10	yi	yi	PROPN
fsr-3451	522	11	,	,	PUNCT
fsr-3451	522	12	o.	o.	PROPN
fsr-3451	522	13	c.	c.	PROPN
fsr-3451	522	14	,	,	PUNCT
fsr-3451	522	15	ying	ying	PROPN
fsr-3451	522	16	,	,	PUNCT
fsr-3451	522	17	o.	o.	PROPN
fsr-3451	522	18	s.	s.	PROPN
fsr-3451	522	19	,	,	PUNCT
fsr-3451	522	20	woen	woen	PROPN
fsr-3451	522	21	,	,	PUNCT
fsr-3451	522	22	o.	o.	PROPN
fsr-3451	522	23	y.	y.	PROPN
fsr-3451	522	24	,	,	PUNCT
fsr-3451	522	25	&	&	CCONJ
fsr-3451	522	26	wei	wei	PROPN
fsr-3451	522	27	,	,	PUNCT
fsr-3451	522	28	t.	t.	NOUN
fsr-3451	522	29	m.	m.	NOUN
fsr-3451	522	30	(	(	PUNCT
fsr-3451	522	31	2017	2017	NUM
fsr-3451	522	32	)	)	PUNCT
fsr-3451	522	33	.	.	PUNCT
fsr-3451	523	1	customer	customer	NOUN
fsr-3451	523	2	loyalty	loyalty	NOUN
fsr-3451	523	3	to	to	PART
fsr-3451	523	4	newly	newly	ADV
fsr-3451	523	5	opened	open	VERB
fsr-3451	523	6	cafés	café	NOUN
fsr-3451	523	7	and	and	CCONJ
fsr-3451	523	8	restaurants	restaurant	NOUN
fsr-3451	523	9	in	in	ADP
fsr-3451	523	10	malaysia	malaysia	PROPN
fsr-3451	523	11	.	.	PUNCT
fsr-3451	524	1	journal	journal	PROPN
fsr-3451	524	2	of	of	ADP
fsr-3451	524	3	foodservice	foodservice	NOUN
fsr-3451	524	4	business	business	NOUN
fsr-3451	524	5	research	research	NOUN
fsr-3451	524	6	,	,	PUNCT
fsr-3451	524	7	20	20	NUM
fsr-3451	524	8	,	,	PUNCT
fsr-3451	524	9	525	525	NUM
fsr-3451	524	10	-	-	SYM
fsr-3451	524	11	541	541	NUM
fsr-3451	524	12	.	.	PUNCT
fsr-3451	525	1	m.	m.	NOUN
fsr-3451	525	2	nourallah	nourallah	PROPN
fsr-3451	525	3	et	et	PROPN
fsr-3451	525	4	al	al	PROPN
fsr-3451	525	5	.	.	PUNCT
fsr-3451	526	1	/	/	SYM
fsr-3451	526	2	financial	financial	ADJ
fsr-3451	526	3	services	service	NOUN
fsr-3451	526	4	review	review	VERB
fsr-3451	526	5	29	29	NUM
fsr-3451	526	6	(	(	PUNCT
fsr-3451	526	7	2021	2021	NUM
fsr-3451	526	8	)	)	PUNCT
fsr-3451	526	9	147–167	147–167	NUM
fsr-3451	526	10	165	165	NUM
fsr-3451	526	11	munusamy	munusamy	NOUN
fsr-3451	526	12	,	,	PUNCT
fsr-3451	526	13	j.	j.	PROPN
fsr-3451	526	14	,	,	PUNCT
fsr-3451	526	15	chelliah	chelliah	PROPN
fsr-3451	526	16	,	,	PUNCT
fsr-3451	526	17	s.	s.	PROPN
fsr-3451	526	18	,	,	PUNCT
fsr-3451	526	19	&	&	CCONJ
fsr-3451	526	20	mun	mun	PROPN
fsr-3451	526	21	,	,	PUNCT
fsr-3451	526	22	h.	h.	PROPN
fsr-3451	526	23	w.	w.	PROPN
fsr-3451	526	24	(	(	PUNCT
fsr-3451	526	25	2010	2010	NUM
fsr-3451	526	26	)	)	PUNCT
fsr-3451	526	27	.	.	PUNCT
fsr-3451	527	1	service	service	NOUN
fsr-3451	527	2	quality	quality	NOUN
fsr-3451	527	3	delivery	delivery	NOUN
fsr-3451	527	4	and	and	CCONJ
fsr-3451	527	5	its	its	PRON
fsr-3451	527	6	impact	impact	NOUN
fsr-3451	527	7	on	on	ADP
fsr-3451	527	8	customer	customer	NOUN
fsr-3451	527	9	satisfaction	satisfaction	NOUN
fsr-3451	527	10	in	in	ADP
fsr-3451	527	11	the	the	DET
fsr-3451	527	12	banking	banking	NOUN
fsr-3451	527	13	sector	sector	NOUN
fsr-3451	527	14	in	in	ADP
fsr-3451	527	15	malaysia	malaysia	PROPN
fsr-3451	527	16	.	.	PUNCT
fsr-3451	528	1	international	international	ADJ
fsr-3451	528	2	journal	journal	PROPN
fsr-3451	528	3	of	of	ADP
fsr-3451	528	4	innovation	innovation	NOUN
fsr-3451	528	5	,	,	PUNCT
fsr-3451	528	6	management	management	NOUN
fsr-3451	528	7	and	and	CCONJ
fsr-3451	528	8	technology	technology	NOUN
fsr-3451	528	9	,	,	PUNCT
fsr-3451	528	10	1	1	NUM
fsr-3451	528	11	,	,	PUNCT
fsr-3451	528	12	398	398	NUM
fsr-3451	528	13	-	-	SYM
fsr-3451	528	14	404	404	NUM
fsr-3451	528	15	.	.	PUNCT
fsr-3451	529	1	nicoletti	nicoletti	PROPN
fsr-3451	529	2	,	,	PUNCT
fsr-3451	529	3	b.	b.	PROPN
fsr-3451	529	4	(	(	PUNCT
fsr-3451	529	5	2017	2017	NUM
fsr-3451	529	6	)	)	PUNCT
fsr-3451	529	7	.	.	PUNCT
fsr-3451	530	1	future	future	NOUN
fsr-3451	530	2	of	of	ADP
fsr-3451	530	3	fintech	fintech	NOUN
fsr-3451	530	4	.	.	PUNCT
fsr-3451	531	1	basingstoke	basingstoke	PROPN
fsr-3451	531	2	,	,	PUNCT
fsr-3451	531	3	uk	uk	PROPN
fsr-3451	531	4	:	:	PUNCT
fsr-3451	531	5	palgrave	palgrave	PROPN
fsr-3451	531	6	macmillan	macmillan	PROPN
fsr-3451	531	7	.	.	PUNCT
fsr-3451	532	1	nielsen	nielsen	PROPN
fsr-3451	532	2	,	,	PUNCT
fsr-3451	532	3	j.	j.	PROPN
fsr-3451	532	4	(	(	PUNCT
fsr-3451	532	5	1994	1994	NUM
fsr-3451	532	6	)	)	PUNCT
fsr-3451	532	7	.	.	PUNCT
fsr-3451	533	1	usability	usability	NOUN
fsr-3451	533	2	engineering	engineering	NOUN
fsr-3451	533	3	.	.	PUNCT
fsr-3451	534	1	san	san	PROPN
fsr-3451	534	2	francisco	francisco	PROPN
fsr-3451	534	3	,	,	PUNCT
fsr-3451	534	4	ca	ca	PROPN
fsr-3451	534	5	:	:	PUNCT
fsr-3451	534	6	ap	ap	PROPN
fsr-3451	534	7	professional	professional	PROPN
fsr-3451	534	8	.	.	PUNCT
fsr-3451	535	1	nourallah	nourallah	PROPN
fsr-3451	535	2	,	,	PUNCT
fsr-3451	535	3	m.	m.	NOUN
fsr-3451	535	4	,	,	PUNCT
fsr-3451	535	5	strandberg	strandberg	PROPN
fsr-3451	535	6	,	,	PUNCT
fsr-3451	535	7	c.	c.	PROPN
fsr-3451	535	8	,	,	PUNCT
fsr-3451	535	9	&	&	CCONJ
fsr-3451	535	10	öhman	öhman	PROPN
fsr-3451	535	11	,	,	PUNCT
fsr-3451	535	12	p.	p.	NOUN
fsr-3451	535	13	(	(	PUNCT
fsr-3451	535	14	2019	2019	NUM
fsr-3451	535	15	)	)	PUNCT
fsr-3451	535	16	.	.	PUNCT
fsr-3451	536	1	understanding	understand	VERB
fsr-3451	536	2	the	the	DET
fsr-3451	536	3	relationship	relationship	NOUN
fsr-3451	536	4	between	between	ADP
fsr-3451	536	5	trust	trust	NOUN
fsr-3451	536	6	and	and	CCONJ
fsr-3451	536	7	satisfaction	satisfaction	NOUN
fsr-3451	536	8	on	on	ADP
fsr-3451	536	9	mobile	mobile	ADJ
fsr-3451	536	10	bank	bank	NOUN
fsr-3451	536	11	application	application	NOUN
fsr-3451	536	12	.	.	PUNCT
fsr-3451	537	1	in	in	ADP
fsr-3451	537	2	3rd	3rd	ADJ
fsr-3451	537	3	international	international	ADJ
fsr-3451	537	4	conference	conference	NOUN
fsr-3451	537	5	on	on	ADP
fsr-3451	537	6	e	e	NOUN
fsr-3451	537	7	-	-	NOUN
fsr-3451	537	8	commerce	commerce	NOUN
fsr-3451	537	9	,	,	PUNCT
fsr-3451	537	10	e	e	NOUN
fsr-3451	537	11	-	-	NOUN
fsr-3451	537	12	business	business	NOUN
fsr-3451	537	13	and	and	CCONJ
fsr-3451	537	14	e	e	NOUN
fsr-3451	537	15	-	-	NOUN
fsr-3451	537	16	government	government	NOUN
fsr-3451	537	17	,	,	PUNCT
fsr-3451	537	18	in	in	ADP
fsr-3451	537	19	lyon	lyon	PROPN
fsr-3451	537	20	,	,	PUNCT
fsr-3451	537	21	france	france	PROPN
fsr-3451	537	22	.	.	PUNCT
fsr-3451	538	1	june	june	PROPN
fsr-3451	538	2	18	18	NUM
fsr-3451	538	3	-	-	SYM
fsr-3451	538	4	21	21	NUM
fsr-3451	538	5	,	,	PUNCT
fsr-3451	538	6	2019	2019	NUM
fsr-3451	538	7	.	.	PUNCT
fsr-3451	539	1	oliveira	oliveira	PROPN
fsr-3451	539	2	,	,	PUNCT
fsr-3451	539	3	t.	t.	PROPN
fsr-3451	539	4	,	,	PUNCT
fsr-3451	539	5	thomas	thomas	PROPN
fsr-3451	539	6	,	,	PUNCT
fsr-3451	539	7	m.	m.	NOUN
fsr-3451	539	8	,	,	PUNCT
fsr-3451	539	9	baptista	baptista	PROPN
fsr-3451	539	10	,	,	PUNCT
fsr-3451	539	11	g.	g.	PROPN
fsr-3451	539	12	,	,	PUNCT
fsr-3451	539	13	&	&	CCONJ
fsr-3451	539	14	campos	campos	PROPN
fsr-3451	539	15	,	,	PUNCT
fsr-3451	539	16	f.	f.	PROPN
fsr-3451	539	17	(	(	PUNCT
fsr-3451	539	18	2016	2016	NUM
fsr-3451	539	19	)	)	PUNCT
fsr-3451	539	20	.	.	PUNCT
fsr-3451	540	1	mobile	mobile	ADJ
fsr-3451	540	2	payment	payment	NOUN
fsr-3451	540	3	:	:	PUNCT
fsr-3451	540	4	understanding	understand	VERB
fsr-3451	540	5	the	the	DET
fsr-3451	540	6	determinants	determinant	NOUN
fsr-3451	540	7	of	of	ADP
fsr-3451	540	8	customer	customer	NOUN
fsr-3451	540	9	adoption	adoption	NOUN
fsr-3451	540	10	and	and	CCONJ
fsr-3451	540	11	intention	intention	NOUN
fsr-3451	540	12	to	to	PART
fsr-3451	540	13	recommend	recommend	VERB
fsr-3451	540	14	the	the	DET
fsr-3451	540	15	technology	technology	NOUN
fsr-3451	540	16	.	.	PUNCT
fsr-3451	541	1	computers	computer	NOUN
fsr-3451	541	2	in	in	ADP
fsr-3451	541	3	human	human	ADJ
fsr-3451	541	4	behavior	behavior	NOUN
fsr-3451	541	5	,	,	PUNCT
fsr-3451	541	6	61	61	NUM
fsr-3451	541	7	,	,	PUNCT
fsr-3451	541	8	404414	404414	NUM
fsr-3451	541	9	.	.	PUNCT
fsr-3451	542	1	parasuraman	parasuraman	PROPN
fsr-3451	542	2	,	,	PUNCT
fsr-3451	542	3	a.	a.	NOUN
fsr-3451	542	4	,	,	PUNCT
fsr-3451	542	5	berry	berry	VERB
fsr-3451	542	6	,	,	PUNCT
fsr-3451	542	7	l.	l.	PROPN
fsr-3451	542	8	l.	l.	PROPN
fsr-3451	542	9	,	,	PUNCT
fsr-3451	542	10	&	&	CCONJ
fsr-3451	542	11	zeithaml	zeithaml	PROPN
fsr-3451	542	12	,	,	PUNCT
fsr-3451	542	13	v.	v.	ADP
fsr-3451	542	14	a.	a.	NOUN
fsr-3451	542	15	(	(	PUNCT
fsr-3451	542	16	1988	1988	NUM
fsr-3451	542	17	)	)	PUNCT
fsr-3451	542	18	.	.	PUNCT
fsr-3451	543	1	servqual	servqual	ADJ
fsr-3451	543	2	:	:	PUNCT
fsr-3451	543	3	a	a	DET
fsr-3451	543	4	multi	multi	ADJ
fsr-3451	543	5	item	item	NOUN
fsr-3451	543	6	scale	scale	NOUN
fsr-3451	543	7	for	for	ADP
fsr-3451	543	8	measuring	measure	VERB
fsr-3451	543	9	consumer	consumer	NOUN
fsr-3451	543	10	perception	perception	NOUN
fsr-3451	543	11	of	of	ADP
fsr-3451	543	12	service	service	NOUN
fsr-3451	543	13	.	.	PUNCT
fsr-3451	544	1	journal	journal	PROPN
fsr-3451	544	2	of	of	ADP
fsr-3451	544	3	retailing	retailing	NOUN
fsr-3451	544	4	,	,	PUNCT
fsr-3451	544	5	64	64	NUM
fsr-3451	544	6	,	,	PUNCT
fsr-3451	544	7	12	12	NUM
fsr-3451	544	8	-	-	SYM
fsr-3451	544	9	40	40	NUM
fsr-3451	544	10	.	.	PUNCT
fsr-3451	545	1	podsakoff	podsakoff	NOUN
fsr-3451	545	2	,	,	PUNCT
fsr-3451	545	3	p.	p.	NOUN
fsr-3451	545	4	m.	m.	NOUN
fsr-3451	545	5	,	,	PUNCT
fsr-3451	545	6	mackenzie	mackenzie	PROPN
fsr-3451	545	7	,	,	PUNCT
fsr-3451	545	8	s.	s.	PROPN
fsr-3451	545	9	b.	b.	PROPN
fsr-3451	545	10	,	,	PUNCT
fsr-3451	545	11	lee	lee	PROPN
fsr-3451	545	12	,	,	PUNCT
fsr-3451	545	13	j.	j.	PROPN
fsr-3451	545	14	y.	y.	PROPN
fsr-3451	545	15	,	,	PUNCT
fsr-3451	545	16	&	&	CCONJ
fsr-3451	545	17	podsakoff	podsakoff	PROPN
fsr-3451	545	18	,	,	PUNCT
fsr-3451	546	1	n.	n.	PROPN
fsr-3451	546	2	p.	p.	PROPN
fsr-3451	546	3	(	(	PUNCT
fsr-3451	546	4	2003	2003	NUM
fsr-3451	546	5	)	)	PUNCT
fsr-3451	546	6	.	.	PUNCT
fsr-3451	547	1	common	common	ADJ
fsr-3451	547	2	method	method	NOUN
fsr-3451	547	3	biases	bias	NOUN
fsr-3451	547	4	in	in	ADP
fsr-3451	547	5	behavioral	behavioral	ADJ
fsr-3451	547	6	research	research	NOUN
fsr-3451	547	7	:	:	PUNCT
fsr-3451	547	8	a	a	DET
fsr-3451	547	9	critical	critical	ADJ
fsr-3451	547	10	review	review	NOUN
fsr-3451	547	11	of	of	ADP
fsr-3451	547	12	the	the	DET
fsr-3451	547	13	literature	literature	NOUN
fsr-3451	547	14	and	and	CCONJ
fsr-3451	547	15	recommended	recommend	VERB
fsr-3451	547	16	remedies	remedy	NOUN
fsr-3451	547	17	.	.	PUNCT
fsr-3451	548	1	the	the	DET
fsr-3451	548	2	journal	journal	NOUN
fsr-3451	548	3	of	of	ADP
fsr-3451	548	4	applied	apply	VERB
fsr-3451	548	5	psychology	psychology	NOUN
fsr-3451	548	6	,	,	PUNCT
fsr-3451	548	7	88	88	NUM
fsr-3451	548	8	,	,	PUNCT
fsr-3451	548	9	879	879	NUM
fsr-3451	548	10	-	-	SYM
fsr-3451	548	11	903	903	NUM
fsr-3451	548	12	.	.	PUNCT
fsr-3451	548	13	pohlmann	pohlmann	PROPN
fsr-3451	548	14	,	,	PUNCT
fsr-3451	548	15	j.	j.	PROPN
fsr-3451	548	16	t.	t.	PROPN
fsr-3451	548	17	(	(	PUNCT
fsr-3451	548	18	2004	2004	NUM
fsr-3451	548	19	)	)	PUNCT
fsr-3451	548	20	.	.	PUNCT
fsr-3451	549	1	use	use	NOUN
fsr-3451	549	2	and	and	CCONJ
fsr-3451	549	3	interpretation	interpretation	NOUN
fsr-3451	549	4	of	of	ADP
fsr-3451	549	5	factor	factor	NOUN
fsr-3451	549	6	analysis	analysis	NOUN
fsr-3451	549	7	in	in	ADP
fsr-3451	549	8	the	the	DET
fsr-3451	549	9	journal	journal	NOUN
fsr-3451	549	10	of	of	ADP
fsr-3451	549	11	educational	educational	ADJ
fsr-3451	549	12	research	research	NOUN
fsr-3451	549	13	:	:	PUNCT
fsr-3451	549	14	19922002	19922002	NUM
fsr-3451	549	15	.	.	PUNCT
fsr-3451	550	1	the	the	DET
fsr-3451	550	2	journal	journal	NOUN
fsr-3451	550	3	of	of	ADP
fsr-3451	550	4	educational	educational	ADJ
fsr-3451	550	5	research	research	NOUN
fsr-3451	550	6	,	,	PUNCT
fsr-3451	550	7	98	98	NUM
fsr-3451	550	8	,	,	PUNCT
fsr-3451	550	9	14	14	NUM
fsr-3451	550	10	-	-	SYM
fsr-3451	550	11	23	23	NUM
fsr-3451	550	12	.	.	PUNCT
fsr-3451	551	1	puschmann	puschmann	PROPN
fsr-3451	551	2	,	,	PUNCT
fsr-3451	551	3	t.	t.	PROPN
fsr-3451	551	4	(	(	PUNCT
fsr-3451	551	5	2017	2017	NUM
fsr-3451	551	6	)	)	PUNCT
fsr-3451	551	7	.	.	PUNCT
fsr-3451	552	1	fintech	fintech	NOUN
fsr-3451	552	2	.	.	PUNCT
fsr-3451	553	1	business	business	PROPN
fsr-3451	553	2	&	&	CCONJ
fsr-3451	553	3	information	information	PROPN
fsr-3451	553	4	systems	system	NOUN
fsr-3451	553	5	engineering	engineering	NOUN
fsr-3451	553	6	,	,	PUNCT
fsr-3451	553	7	59	59	NUM
fsr-3451	553	8	,	,	PUNCT
fsr-3451	553	9	69	69	NUM
fsr-3451	553	10	-	-	SYM
fsr-3451	553	11	76	76	NUM
fsr-3451	553	12	.	.	PUNCT
fsr-3451	554	1	raza	raza	PROPN
fsr-3451	554	2	,	,	PUNCT
fsr-3451	554	3	a.	a.	PROPN
fsr-3451	554	4	s.	s.	PROPN
fsr-3451	554	5	,	,	PUNCT
fsr-3451	554	6	jawaid	jawaid	PROPN
fsr-3451	554	7	,	,	PUNCT
fsr-3451	554	8	s.	s.	PROPN
fsr-3451	554	9	t.	t.	PROPN
fsr-3451	554	10	,	,	PUNCT
fsr-3451	554	11	&	&	CCONJ
fsr-3451	554	12	hassan	hassan	PROPN
fsr-3451	554	13	,	,	PUNCT
fsr-3451	554	14	a.	a.	PROPN
fsr-3451	554	15	(	(	PUNCT
fsr-3451	554	16	2015	2015	NUM
fsr-3451	554	17	)	)	PUNCT
fsr-3451	554	18	.	.	PUNCT
fsr-3451	555	1	internet	internet	NOUN
fsr-3451	555	2	banking	banking	NOUN
fsr-3451	555	3	and	and	CCONJ
fsr-3451	555	4	customer	customer	NOUN
fsr-3451	555	5	satisfaction	satisfaction	NOUN
fsr-3451	555	6	in	in	ADP
fsr-3451	555	7	pakistan	pakistan	PROPN
fsr-3451	555	8	.	.	PUNCT
fsr-3451	556	1	qualitative	qualitative	ADJ
fsr-3451	556	2	research	research	NOUN
fsr-3451	556	3	in	in	ADP
fsr-3451	556	4	financial	financial	ADJ
fsr-3451	556	5	markets	market	NOUN
fsr-3451	556	6	,	,	PUNCT
fsr-3451	556	7	7	7	NUM
fsr-3451	556	8	,	,	PUNCT
fsr-3451	556	9	24	24	NUM
fsr-3451	556	10	-	-	SYM
fsr-3451	556	11	36	36	NUM
fsr-3451	556	12	.	.	PUNCT
fsr-3451	557	1	saleem	saleem	PROPN
fsr-3451	557	2	,	,	PUNCT
fsr-3451	557	3	m.	m.	NOUN
fsr-3451	557	4	a.	a.	PROPN
fsr-3451	557	5	,	,	PUNCT
fsr-3451	557	6	zahra	zahra	PROPN
fsr-3451	557	7	,	,	PUNCT
fsr-3451	557	8	s.	s.	PROPN
fsr-3451	557	9	,	,	PUNCT
fsr-3451	557	10	ahmad	ahmad	PROPN
fsr-3451	557	11	,	,	PUNCT
fsr-3451	557	12	r.	r.	PROPN
fsr-3451	557	13	,	,	PUNCT
fsr-3451	557	14	&	&	CCONJ
fsr-3451	557	15	ismail	ismail	PROPN
fsr-3451	557	16	,	,	PUNCT
fsr-3451	557	17	h.	h.	PROPN
fsr-3451	557	18	(	(	PUNCT
fsr-3451	557	19	2016	2016	NUM
fsr-3451	557	20	)	)	PUNCT
fsr-3451	557	21	.	.	PUNCT
fsr-3451	558	1	predictors	predictor	NOUN
fsr-3451	558	2	of	of	ADP
fsr-3451	558	3	customer	customer	NOUN
fsr-3451	558	4	loyalty	loyalty	NOUN
fsr-3451	558	5	in	in	ADP
fsr-3451	558	6	the	the	DET
fsr-3451	558	7	pakistani	pakistani	ADJ
fsr-3451	558	8	banking	banking	NOUN
fsr-3451	558	9	industry	industry	NOUN
fsr-3451	558	10	:	:	PUNCT
fsr-3451	558	11	a	a	DET
fsr-3451	558	12	moderated	moderate	VERB
fsr-3451	558	13	-	-	PUNCT
fsr-3451	558	14	mediation	mediation	NOUN
fsr-3451	558	15	study	study	NOUN
fsr-3451	558	16	.	.	PUNCT
fsr-3451	559	1	international	international	ADJ
fsr-3451	559	2	journal	journal	PROPN
fsr-3451	559	3	of	of	ADP
fsr-3451	559	4	bank	bank	PROPN
fsr-3451	559	5	marketing	marketing	NOUN
fsr-3451	559	6	,	,	PUNCT
fsr-3451	559	7	34	34	NUM
fsr-3451	559	8	,	,	PUNCT
fsr-3451	559	9	411	411	NUM
fsr-3451	559	10	-	-	SYM
fsr-3451	559	11	430	430	NUM
fsr-3451	559	12	.	.	PUNCT
fsr-3451	560	1	sampaio	sampaio	PROPN
fsr-3451	560	2	,	,	PUNCT
fsr-3451	560	3	c.	c.	PROPN
fsr-3451	560	4	h.	h.	PROPN
fsr-3451	560	5	,	,	PUNCT
fsr-3451	560	6	ladeira	ladeira	PROPN
fsr-3451	560	7	,	,	PUNCT
fsr-3451	560	8	w.	w.	PROPN
fsr-3451	560	9	j.	j.	PROPN
fsr-3451	560	10	,	,	PUNCT
fsr-3451	560	11	&	&	CCONJ
fsr-3451	560	12	santini	santini	PROPN
fsr-3451	560	13	,	,	PUNCT
fsr-3451	560	14	f.	f.	PROPN
fsr-3451	560	15	d.	d.	PROPN
fsr-3451	560	16	o.	o.	PROPN
fsr-3451	560	17	(	(	PUNCT
fsr-3451	560	18	2017	2017	NUM
fsr-3451	560	19	)	)	PUNCT
fsr-3451	560	20	.	.	PUNCT
fsr-3451	561	1	apps	app	NOUN
fsr-3451	561	2	for	for	ADP
fsr-3451	561	3	mobile	mobile	ADJ
fsr-3451	561	4	banking	banking	NOUN
fsr-3451	561	5	and	and	CCONJ
fsr-3451	561	6	customer	customer	NOUN
fsr-3451	561	7	satisfaction	satisfaction	NOUN
fsr-3451	561	8	:	:	PUNCT
fsr-3451	561	9	a	a	DET
fsr-3451	561	10	cross	cross	ADJ
fsr-3451	561	11	-	-	ADJ
fsr-3451	561	12	cultural	cultural	ADJ
fsr-3451	561	13	study	study	NOUN
fsr-3451	561	14	.	.	PUNCT
fsr-3451	562	1	international	international	ADJ
fsr-3451	562	2	journal	journal	PROPN
fsr-3451	562	3	of	of	ADP
fsr-3451	562	4	bank	bank	PROPN
fsr-3451	562	5	marketing	marketing	NOUN
fsr-3451	562	6	,	,	PUNCT
fsr-3451	562	7	35	35	NUM
fsr-3451	562	8	,	,	PUNCT
fsr-3451	562	9	1133	1133	NUM
fsr-3451	562	10	-	-	SYM
fsr-3451	562	11	1151	1151	NUM
fsr-3451	562	12	.	.	PUNCT
fsr-3451	563	1	sanchez	sanchez	PROPN
fsr-3451	563	2	-	-	PUNCT
fsr-3451	563	3	franco	franco	PROPN
fsr-3451	563	4	,	,	PUNCT
fsr-3451	563	5	m.	m.	NOUN
fsr-3451	563	6	j.	j.	PROPN
fsr-3451	563	7	,	,	PUNCT
fsr-3451	563	8	&	&	CCONJ
fsr-3451	563	9	rondan	rondan	PROPN
fsr-3451	563	10	-	-	PROPN
fsr-3451	563	11	cataluña	cataluña	PROPN
fsr-3451	563	12	,	,	PUNCT
fsr-3451	563	13	f.	f.	PROPN
fsr-3451	563	14	j.	j.	PROPN
fsr-3451	563	15	(	(	PUNCT
fsr-3451	563	16	2010	2010	NUM
fsr-3451	563	17	)	)	PUNCT
fsr-3451	563	18	.	.	PUNCT
fsr-3451	564	1	virtual	virtual	ADJ
fsr-3451	564	2	travel	travel	NOUN
fsr-3451	564	3	communities	community	NOUN
fsr-3451	564	4	and	and	CCONJ
fsr-3451	564	5	customer	customer	NOUN
fsr-3451	564	6	loyalty	loyalty	NOUN
fsr-3451	564	7	:	:	PUNCT
fsr-3451	564	8	customer	customer	NOUN
fsr-3451	564	9	purchase	purchase	NOUN
fsr-3451	564	10	involvement	involvement	NOUN
fsr-3451	564	11	and	and	CCONJ
fsr-3451	564	12	web	web	NOUN
fsr-3451	564	13	site	site	NOUN
fsr-3451	564	14	design	design	NOUN
fsr-3451	564	15	.	.	PUNCT
fsr-3451	565	1	electronic	electronic	ADJ
fsr-3451	565	2	commerce	commerce	NOUN
fsr-3451	565	3	research	research	NOUN
fsr-3451	565	4	and	and	CCONJ
fsr-3451	565	5	applications	application	NOUN
fsr-3451	565	6	,	,	PUNCT
fsr-3451	565	7	9	9	NUM
fsr-3451	565	8	,	,	PUNCT
fsr-3451	565	9	171	171	NUM
fsr-3451	565	10	-	-	SYM
fsr-3451	565	11	182	182	NUM
fsr-3451	565	12	.	.	PUNCT
fsr-3451	566	1	santouridis	santouridis	PROPN
fsr-3451	566	2	,	,	PUNCT
fsr-3451	566	3	i.	i.	PROPN
fsr-3451	566	4	,	,	PUNCT
fsr-3451	566	5	&	&	CCONJ
fsr-3451	566	6	trivellas	trivella	NOUN
fsr-3451	566	7	,	,	PUNCT
fsr-3451	566	8	p.	p.	NOUN
fsr-3451	566	9	(	(	PUNCT
fsr-3451	566	10	2010	2010	NUM
fsr-3451	566	11	)	)	PUNCT
fsr-3451	566	12	.	.	PUNCT
fsr-3451	567	1	investigating	investigate	VERB
fsr-3451	567	2	the	the	DET
fsr-3451	567	3	impact	impact	NOUN
fsr-3451	567	4	of	of	ADP
fsr-3451	567	5	service	service	NOUN
fsr-3451	567	6	quality	quality	NOUN
fsr-3451	567	7	and	and	CCONJ
fsr-3451	567	8	customer	customer	NOUN
fsr-3451	567	9	satisfaction	satisfaction	NOUN
fsr-3451	567	10	on	on	ADP
fsr-3451	567	11	customer	customer	NOUN
fsr-3451	567	12	loyalty	loyalty	NOUN
fsr-3451	567	13	in	in	ADP
fsr-3451	567	14	mobile	mobile	ADJ
fsr-3451	567	15	telephony	telephony	NOUN
fsr-3451	567	16	in	in	ADP
fsr-3451	567	17	greece	greece	PROPN
fsr-3451	567	18	.	.	PUNCT
fsr-3451	568	1	the	the	DET
fsr-3451	568	2	tqm	tqm	PROPN
fsr-3451	568	3	journal	journal	NOUN
fsr-3451	568	4	,	,	PUNCT
fsr-3451	568	5	22	22	NUM
fsr-3451	568	6	,	,	PUNCT
fsr-3451	568	7	330	330	NUM
fsr-3451	568	8	-	-	SYM
fsr-3451	568	9	343	343	NUM
fsr-3451	568	10	.	.	PUNCT
fsr-3451	569	1	scornavacca	scornavacca	PROPN
fsr-3451	569	2	,	,	PUNCT
fsr-3451	569	3	e.	e.	PROPN
fsr-3451	569	4	,	,	PUNCT
fsr-3451	569	5	&	&	CCONJ
fsr-3451	569	6	hoehle	hoehle	PROPN
fsr-3451	569	7	,	,	PUNCT
fsr-3451	569	8	h.	h.	PROPN
fsr-3451	569	9	(	(	PUNCT
fsr-3451	569	10	2007	2007	NUM
fsr-3451	569	11	)	)	PUNCT
fsr-3451	569	12	.	.	PUNCT
fsr-3451	570	1	mobile	mobile	ADJ
fsr-3451	570	2	banking	banking	NOUN
fsr-3451	570	3	in	in	ADP
fsr-3451	570	4	germany	germany	PROPN
fsr-3451	570	5	:	:	PUNCT
fsr-3451	570	6	a	a	DET
fsr-3451	570	7	strategic	strategic	ADJ
fsr-3451	570	8	perspective	perspective	NOUN
fsr-3451	570	9	.	.	PUNCT
fsr-3451	571	1	international	international	ADJ
fsr-3451	571	2	journal	journal	PROPN
fsr-3451	571	3	of	of	ADP
fsr-3451	571	4	electronic	electronic	ADJ
fsr-3451	571	5	finance	finance	NOUN
fsr-3451	571	6	,	,	PUNCT
fsr-3451	571	7	1	1	NUM
fsr-3451	571	8	,	,	PUNCT
fsr-3451	571	9	304	304	NUM
fsr-3451	571	10	-	-	SYM
fsr-3451	571	11	320	320	NUM
fsr-3451	571	12	.	.	PUNCT
fsr-3451	572	1	shaikh	shaikh	PROPN
fsr-3451	572	2	,	,	PUNCT
fsr-3451	572	3	a.	a.	NOUN
fsr-3451	572	4	a.	a.	PROPN
fsr-3451	572	5	,	,	PUNCT
fsr-3451	572	6	&	&	CCONJ
fsr-3451	572	7	karjaluoto	karjaluoto	PROPN
fsr-3451	572	8	,	,	PUNCT
fsr-3451	572	9	h.	h.	PROPN
fsr-3451	572	10	(	(	PUNCT
fsr-3451	572	11	2015	2015	NUM
fsr-3451	572	12	)	)	PUNCT
fsr-3451	572	13	.	.	PUNCT
fsr-3451	573	1	mobile	mobile	ADJ
fsr-3451	573	2	banking	banking	NOUN
fsr-3451	573	3	adoption	adoption	NOUN
fsr-3451	573	4	:	:	PUNCT
fsr-3451	573	5	a	a	DET
fsr-3451	573	6	literature	literature	NOUN
fsr-3451	573	7	review	review	NOUN
fsr-3451	573	8	.	.	PUNCT
fsr-3451	574	1	telematics	telematic	NOUN
fsr-3451	574	2	and	and	CCONJ
fsr-3451	574	3	informatics	informatic	NOUN
fsr-3451	574	4	,	,	PUNCT
fsr-3451	574	5	32	32	NUM
fsr-3451	574	6	,	,	PUNCT
fsr-3451	574	7	129	129	NUM
fsr-3451	574	8	-	-	SYM
fsr-3451	574	9	142	142	NUM
fsr-3451	574	10	.	.	PUNCT
fsr-3451	575	1	shaikh	shaikh	PROPN
fsr-3451	575	2	,	,	PUNCT
fsr-3451	575	3	a.	a.	NOUN
fsr-3451	575	4	a.	a.	PROPN
fsr-3451	575	5	,	,	PUNCT
fsr-3451	575	6	&	&	CCONJ
fsr-3451	575	7	karjaluoto	karjaluoto	PROPN
fsr-3451	575	8	,	,	PUNCT
fsr-3451	575	9	h.	h.	PROPN
fsr-3451	575	10	(	(	PUNCT
fsr-3451	575	11	2019	2019	NUM
fsr-3451	575	12	)	)	PUNCT
fsr-3451	575	13	.	.	PUNCT
fsr-3451	576	1	mobile	mobile	ADJ
fsr-3451	576	2	financial	financial	ADJ
fsr-3451	576	3	services	service	NOUN
fsr-3451	576	4	.	.	PUNCT
fsr-3451	577	1	in	in	ADP
fsr-3451	577	2	a.	a.	PROPN
fsr-3451	577	3	a.	a.	PROPN
fsr-3451	577	4	shaikh	shaikh	PROPN
fsr-3451	577	5	&	&	CCONJ
fsr-3451	577	6	h.	h.	PROPN
fsr-3451	577	7	karjaluoto	karjaluoto	PROPN
fsr-3451	577	8	(	(	PUNCT
fsr-3451	577	9	eds	ed	NOUN
fsr-3451	577	10	.	.	PUNCT
fsr-3451	577	11	)	)	PUNCT
fsr-3451	577	12	,	,	PUNCT
fsr-3451	577	13	marketing	marketing	NOUN
fsr-3451	577	14	and	and	CCONJ
fsr-3451	577	15	mobile	mobile	ADJ
fsr-3451	577	16	financial	financial	ADJ
fsr-3451	577	17	services	service	NOUN
fsr-3451	577	18	:	:	PUNCT
fsr-3451	577	19	a	a	DET
fsr-3451	577	20	global	global	ADJ
fsr-3451	577	21	perspective	perspective	NOUN
fsr-3451	577	22	on	on	ADP
fsr-3451	577	23	digital	digital	ADJ
fsr-3451	577	24	banking	banking	NOUN
fsr-3451	577	25	consumer	consumer	NOUN
fsr-3451	577	26	behaviour	behaviour	NOUN
fsr-3451	577	27	(	(	PUNCT
fsr-3451	577	28	pp	pp	ADJ
fsr-3451	577	29	.	.	PUNCT
fsr-3451	577	30	1	1	NUM
fsr-3451	577	31	-	-	SYM
fsr-3451	577	32	26	26	NUM
fsr-3451	577	33	)	)	PUNCT
fsr-3451	577	34	.	.	PUNCT
fsr-3451	578	1	new	new	PROPN
fsr-3451	578	2	york	york	PROPN
fsr-3451	578	3	,	,	PUNCT
fsr-3451	578	4	ny	ny	PROPN
fsr-3451	578	5	:	:	PUNCT
fsr-3451	578	6	routledge	routledge	PROPN
fsr-3451	578	7	.	.	PUNCT
fsr-3451	578	8	sharma	sharma	PROPN
fsr-3451	578	9	,	,	PUNCT
fsr-3451	578	10	s.	s.	PROPN
fsr-3451	578	11	(	(	PUNCT
fsr-3451	578	12	1996	1996	NUM
fsr-3451	578	13	)	)	PUNCT
fsr-3451	578	14	.	.	PUNCT
fsr-3451	579	1	applied	apply	VERB
fsr-3451	579	2	multivariate	multivariate	NOUN
fsr-3451	579	3	techniques	technique	NOUN
fsr-3451	579	4	.	.	PUNCT
fsr-3451	580	1	new	new	PROPN
fsr-3451	580	2	york	york	PROPN
fsr-3451	580	3	,	,	PUNCT
fsr-3451	580	4	ny	ny	PROPN
fsr-3451	580	5	:	:	PUNCT
fsr-3451	580	6	wiley	wiley	PROPN
fsr-3451	580	7	.	.	PUNCT
fsr-3451	581	1	sharma	sharma	PROPN
fsr-3451	581	2	,	,	PUNCT
fsr-3451	581	3	d.	d.	PROPN
fsr-3451	581	4	s.	s.	PROPN
fsr-3451	581	5	,	,	PUNCT
fsr-3451	581	6	&	&	CCONJ
fsr-3451	581	7	sidhu	sidhu	PROPN
fsr-3451	581	8	,	,	PUNCT
fsr-3451	581	9	j.	j.	PROPN
fsr-3451	581	10	(	(	PUNCT
fsr-3451	581	11	2001	2001	NUM
fsr-3451	581	12	)	)	PUNCT
fsr-3451	581	13	.	.	PUNCT
fsr-3451	582	1	professionalism	professionalism	NOUN
fsr-3451	582	2	vs	vs	ADP
fsr-3451	582	3	commercialism	commercialism	NOUN
fsr-3451	582	4	:	:	PUNCT
fsr-3451	582	5	the	the	DET
fsr-3451	582	6	association	association	NOUN
fsr-3451	582	7	between	between	ADP
fsr-3451	582	8	non	non	ADJ
fsr-3451	582	9	-	-	ADJ
fsr-3451	582	10	audit	audit	ADJ
fsr-3451	582	11	services	service	NOUN
fsr-3451	582	12	(	(	PUNCT
fsr-3451	582	13	nas	nas	PROPN
fsr-3451	582	14	)	)	PUNCT
fsr-3451	582	15	and	and	CCONJ
fsr-3451	582	16	audit	audit	NOUN
fsr-3451	582	17	independence	independence	NOUN
fsr-3451	582	18	.	.	PUNCT
fsr-3451	583	1	journal	journal	PROPN
fsr-3451	583	2	of	of	ADP
fsr-3451	583	3	business	business	NOUN
fsr-3451	583	4	finance	finance	PROPN
fsr-3451	583	5	&	&	CCONJ
fsr-3451	583	6	accounting	accounting	PROPN
fsr-3451	583	7	,	,	PUNCT
fsr-3451	583	8	28	28	NUM
fsr-3451	583	9	,	,	PUNCT
fsr-3451	583	10	563	563	NUM
fsr-3451	583	11	-	-	SYM
fsr-3451	583	12	594	594	NUM
fsr-3451	583	13	.	.	PUNCT
fsr-3451	584	1	sindwani	sindwani	PROPN
fsr-3451	584	2	,	,	PUNCT
fsr-3451	584	3	r.	r.	PROPN
fsr-3451	584	4	,	,	PUNCT
fsr-3451	584	5	&	&	CCONJ
fsr-3451	584	6	goel	goel	PROPN
fsr-3451	584	7	,	,	PUNCT
fsr-3451	584	8	m.	m.	NOUN
fsr-3451	584	9	(	(	PUNCT
fsr-3451	584	10	2015	2015	NUM
fsr-3451	584	11	)	)	PUNCT
fsr-3451	584	12	.	.	PUNCT
fsr-3451	585	1	the	the	DET
fsr-3451	585	2	impact	impact	NOUN
fsr-3451	585	3	of	of	ADP
fsr-3451	585	4	technology	technology	NOUN
fsr-3451	585	5	based	base	VERB
fsr-3451	585	6	self	self	NOUN
fsr-3451	585	7	service	service	NOUN
fsr-3451	585	8	banking	banking	NOUN
fsr-3451	585	9	dimensions	dimension	NOUN
fsr-3451	585	10	on	on	ADP
fsr-3451	585	11	customer	customer	NOUN
fsr-3451	585	12	satisfaction	satisfaction	NOUN
fsr-3451	585	13	.	.	PUNCT
fsr-3451	586	1	international	international	ADJ
fsr-3451	586	2	journal	journal	PROPN
fsr-3451	586	3	of	of	ADP
fsr-3451	586	4	business	business	NOUN
fsr-3451	586	5	information	information	NOUN
fsr-3451	586	6	systems	system	NOUN
fsr-3451	586	7	strategies	strategy	NOUN
fsr-3451	586	8	,	,	PUNCT
fsr-3451	586	9	4	4	NUM
fsr-3451	586	10	,	,	PUNCT
fsr-3451	586	11	1	1	NUM
fsr-3451	586	12	-	-	SYM
fsr-3451	586	13	13	13	NUM
fsr-3451	586	14	.	.	PUNCT
fsr-3451	587	1	srinivasan	srinivasan	NOUN
fsr-3451	587	2	,	,	PUNCT
fsr-3451	587	3	s.	s.	PROPN
fsr-3451	587	4	s.	s.	PROPN
fsr-3451	587	5	,	,	PUNCT
fsr-3451	587	6	anderson	anderson	PROPN
fsr-3451	587	7	,	,	PUNCT
fsr-3451	587	8	r.	r.	PROPN
fsr-3451	587	9	,	,	PUNCT
fsr-3451	587	10	&	&	CCONJ
fsr-3451	587	11	ponnavolu	ponnavolu	PROPN
fsr-3451	587	12	,	,	PUNCT
fsr-3451	587	13	k.	k.	PROPN
fsr-3451	587	14	(	(	PUNCT
fsr-3451	587	15	2002	2002	NUM
fsr-3451	587	16	)	)	PUNCT
fsr-3451	587	17	.	.	PUNCT
fsr-3451	588	1	customer	customer	NOUN
fsr-3451	588	2	loyalty	loyalty	NOUN
fsr-3451	588	3	in	in	ADP
fsr-3451	588	4	e	e	NOUN
fsr-3451	588	5	-	-	NOUN
fsr-3451	588	6	commerce	commerce	NOUN
fsr-3451	588	7	:	:	PUNCT
fsr-3451	588	8	an	an	DET
fsr-3451	588	9	exploration	exploration	NOUN
fsr-3451	588	10	of	of	ADP
fsr-3451	588	11	its	its	PRON
fsr-3451	588	12	antecedents	antecedent	NOUN
fsr-3451	588	13	and	and	CCONJ
fsr-3451	588	14	consequences	consequence	NOUN
fsr-3451	588	15	.	.	PUNCT
fsr-3451	589	1	journal	journal	NOUN
fsr-3451	589	2	of	of	ADP
fsr-3451	589	3	retailing	retailing	NOUN
fsr-3451	589	4	,	,	PUNCT
fsr-3451	589	5	78	78	NUM
fsr-3451	589	6	,	,	PUNCT
fsr-3451	589	7	41	41	NUM
fsr-3451	589	8	-	-	SYM
fsr-3451	589	9	50	50	NUM
fsr-3451	589	10	.	.	PUNCT
fsr-3451	590	1	strandberg	strandberg	PROPN
fsr-3451	590	2	,	,	PUNCT
fsr-3451	590	3	c.	c.	PROPN
fsr-3451	590	4	,	,	PUNCT
fsr-3451	590	5	wahlberg	wahlberg	PROPN
fsr-3451	590	6	,	,	PUNCT
fsr-3451	590	7	o.	o.	PROPN
fsr-3451	590	8	,	,	PUNCT
fsr-3451	590	9	&	&	CCONJ
fsr-3451	590	10	öhman	öhman	PROPN
fsr-3451	590	11	,	,	PUNCT
fsr-3451	590	12	p.	p.	NOUN
fsr-3451	590	13	(	(	PUNCT
fsr-3451	590	14	2012	2012	NUM
fsr-3451	590	15	)	)	PUNCT
fsr-3451	590	16	.	.	PUNCT
fsr-3451	591	1	challenges	challenge	NOUN
fsr-3451	591	2	in	in	ADP
fsr-3451	591	3	serving	serve	VERB
fsr-3451	591	4	the	the	DET
fsr-3451	591	5	mass	mass	ADJ
fsr-3451	591	6	affluent	affluent	ADJ
fsr-3451	591	7	segment	segment	NOUN
fsr-3451	591	8	:	:	PUNCT
fsr-3451	591	9	bank	bank	NOUN
fsr-3451	591	10	customer	customer	NOUN
fsr-3451	591	11	perceptions	perception	NOUN
fsr-3451	591	12	of	of	ADP
fsr-3451	591	13	service	service	NOUN
fsr-3451	591	14	quality.managing	quality.manage	VERB
fsr-3451	591	15	service	service	NOUN
fsr-3451	591	16	quality	quality	NOUN
fsr-3451	591	17	:	:	PUNCT
fsr-3451	591	18	an	an	DET
fsr-3451	591	19	international	international	ADJ
fsr-3451	591	20	journal	journal	NOUN
fsr-3451	591	21	,	,	PUNCT
fsr-3451	591	22	22	22	NUM
fsr-3451	591	23	,	,	PUNCT
fsr-3451	591	24	359	359	NUM
fsr-3451	591	25	-	-	SYM
fsr-3451	591	26	385	385	NUM
fsr-3451	591	27	.	.	PUNCT
fsr-3451	592	1	strandberg	strandberg	PROPN
fsr-3451	592	2	,	,	PUNCT
fsr-3451	592	3	c.	c.	PROPN
fsr-3451	592	4	,	,	PUNCT
fsr-3451	592	5	wahlberg	wahlberg	PROPN
fsr-3451	592	6	,	,	PUNCT
fsr-3451	592	7	o.	o.	PROPN
fsr-3451	592	8	,	,	PUNCT
fsr-3451	592	9	&	&	CCONJ
fsr-3451	592	10	öhman	öhman	PROPN
fsr-3451	592	11	,	,	PUNCT
fsr-3451	592	12	p.	p.	NOUN
fsr-3451	592	13	(	(	PUNCT
fsr-3451	592	14	2015	2015	NUM
fsr-3451	592	15	)	)	PUNCT
fsr-3451	592	16	.	.	PUNCT
fsr-3451	593	1	effects	effect	NOUN
fsr-3451	593	2	of	of	ADP
fsr-3451	593	3	commitment	commitment	NOUN
fsr-3451	593	4	on	on	ADP
fsr-3451	593	5	intentional	intentional	ADJ
fsr-3451	593	6	loyalty	loyalty	NOUN
fsr-3451	593	7	at	at	ADP
fsr-3451	593	8	the	the	DET
fsr-3451	593	9	personto	personto	NOUN
fsr-3451	593	10	-	-	PUNCT
fsr-3451	593	11	person	person	NOUN
fsr-3451	593	12	and	and	CCONJ
fsr-3451	593	13	person	person	NOUN
fsr-3451	593	14	-	-	PUNCT
fsr-3451	593	15	to	to	ADP
fsr-3451	593	16	-	-	PUNCT
fsr-3451	593	17	firm	firm	ADJ
fsr-3451	593	18	levels	level	NOUN
fsr-3451	593	19	.	.	PUNCT
fsr-3451	594	1	journal	journal	NOUN
fsr-3451	594	2	of	of	ADP
fsr-3451	594	3	financial	financial	ADJ
fsr-3451	594	4	services	service	NOUN
fsr-3451	594	5	marketing	marketing	NOUN
fsr-3451	594	6	,	,	PUNCT
fsr-3451	594	7	20	20	NUM
fsr-3451	594	8	,	,	PUNCT
fsr-3451	594	9	191	191	NUM
fsr-3451	594	10	-	-	SYM
fsr-3451	594	11	207	207	NUM
fsr-3451	594	12	.	.	PUNCT
fsr-3451	595	1	suoranta	suoranta	NOUN
fsr-3451	595	2	,	,	PUNCT
fsr-3451	595	3	m.	m.	NOUN
fsr-3451	595	4	,	,	PUNCT
fsr-3451	595	5	&	&	CCONJ
fsr-3451	595	6	mattila	mattila	NOUN
fsr-3451	595	7	,	,	PUNCT
fsr-3451	595	8	m.	m.	NOUN
fsr-3451	595	9	(	(	PUNCT
fsr-3451	595	10	2004	2004	NUM
fsr-3451	595	11	)	)	PUNCT
fsr-3451	595	12	.	.	PUNCT
fsr-3451	596	1	mobile	mobile	ADJ
fsr-3451	596	2	banking	banking	NOUN
fsr-3451	596	3	and	and	CCONJ
fsr-3451	596	4	consumer	consumer	NOUN
fsr-3451	596	5	behaviour	behaviour	NOUN
fsr-3451	596	6	:	:	PUNCT
fsr-3451	596	7	new	new	ADJ
fsr-3451	596	8	insights	insight	NOUN
fsr-3451	596	9	into	into	ADP
fsr-3451	596	10	the	the	DET
fsr-3451	596	11	diffusion	diffusion	NOUN
fsr-3451	596	12	pattern	pattern	NOUN
fsr-3451	596	13	.	.	PUNCT
fsr-3451	597	1	journal	journal	NOUN
fsr-3451	597	2	of	of	ADP
fsr-3451	597	3	financial	financial	ADJ
fsr-3451	597	4	services	service	NOUN
fsr-3451	597	5	marketing	marketing	NOUN
fsr-3451	597	6	,	,	PUNCT
fsr-3451	597	7	8	8	NUM
fsr-3451	597	8	,	,	PUNCT
fsr-3451	597	9	354	354	NUM
fsr-3451	597	10	-	-	SYM
fsr-3451	597	11	366	366	NUM
fsr-3451	597	12	.	.	PUNCT
fsr-3451	598	1	166	166	NUM
fsr-3451	598	2	m.	m.	NOUN
fsr-3451	598	3	nourallah	nourallah	PROPN
fsr-3451	598	4	et	et	PROPN
fsr-3451	598	5	al	al	PROPN
fsr-3451	598	6	.	.	PUNCT
fsr-3451	598	7	/	/	SYM
fsr-3451	598	8	financial	financial	ADJ
fsr-3451	598	9	services	service	NOUN
fsr-3451	598	10	review	review	VERB
fsr-3451	598	11	29	29	NUM
fsr-3451	598	12	(	(	PUNCT
fsr-3451	598	13	2021	2021	NUM
fsr-3451	598	14	)	)	PUNCT
fsr-3451	598	15	147–167	147–167	NUM
fsr-3451	598	16	sum	sum	NOUN
fsr-3451	598	17	chau	chau	NOUN
fsr-3451	598	18	,	,	PUNCT
fsr-3451	598	19	v.	v.	ADV
fsr-3451	598	20	,	,	PUNCT
fsr-3451	598	21	&	&	CCONJ
fsr-3451	598	22	ngai	ngai	PROPN
fsr-3451	598	23	,	,	PUNCT
fsr-3451	598	24	l.	l.	PROPN
fsr-3451	598	25	w.	w.	PROPN
fsr-3451	598	26	l.	l.	PROPN
fsr-3451	598	27	c.	c.	PROPN
fsr-3451	598	28	(	(	PUNCT
fsr-3451	598	29	2010	2010	NUM
fsr-3451	598	30	)	)	PUNCT
fsr-3451	598	31	.	.	PUNCT
fsr-3451	599	1	the	the	DET
fsr-3451	599	2	youth	youth	NOUN
fsr-3451	599	3	market	market	NOUN
fsr-3451	599	4	for	for	ADP
fsr-3451	599	5	internet	internet	NOUN
fsr-3451	599	6	banking	banking	NOUN
fsr-3451	599	7	services	service	NOUN
fsr-3451	599	8	:	:	PUNCT
fsr-3451	599	9	perceptions	perception	NOUN
fsr-3451	599	10	,	,	PUNCT
fsr-3451	599	11	attitude	attitude	NOUN
fsr-3451	599	12	and	and	CCONJ
fsr-3451	599	13	behaviour	behaviour	NOUN
fsr-3451	599	14	.	.	PUNCT
fsr-3451	600	1	journal	journal	PROPN
fsr-3451	600	2	of	of	ADP
fsr-3451	600	3	services	service	NOUN
fsr-3451	600	4	marketing	marketing	NOUN
fsr-3451	600	5	,	,	PUNCT
fsr-3451	600	6	24	24	NUM
fsr-3451	600	7	,	,	PUNCT
fsr-3451	600	8	42	42	NUM
fsr-3451	600	9	-	-	SYM
fsr-3451	600	10	60	60	NUM
fsr-3451	600	11	.	.	PUNCT
fsr-3451	601	1	sun	sun	NOUN
fsr-3451	601	2	,	,	PUNCT
fsr-3451	601	3	y.	y.	PROPN
fsr-3451	601	4	,	,	PUNCT
fsr-3451	601	5	wang	wang	PROPN
fsr-3451	601	6	,	,	PUNCT
fsr-3451	601	7	m.	m.	NOUN
fsr-3451	601	8	,	,	PUNCT
fsr-3451	601	9	&	&	CCONJ
fsr-3451	601	10	wang	wang	PROPN
fsr-3451	601	11	,	,	PUNCT
fsr-3451	601	12	n.	n.	PROPN
fsr-3451	601	13	(	(	PUNCT
fsr-3451	601	14	2015	2015	NUM
fsr-3451	601	15	)	)	PUNCT
fsr-3451	601	16	.	.	PUNCT
fsr-3451	602	1	technology	technology	NOUN
fsr-3451	602	2	leadership	leadership	NOUN
fsr-3451	602	3	,	,	PUNCT
fsr-3451	602	4	brand	brand	NOUN
fsr-3451	602	5	equity	equity	NOUN
fsr-3451	602	6	,	,	PUNCT
fsr-3451	602	7	and	and	CCONJ
fsr-3451	602	8	customer	customer	NOUN
fsr-3451	602	9	loyalty	loyalty	NOUN
fsr-3451	602	10	in	in	ADP
fsr-3451	602	11	mobile	mobile	ADJ
fsr-3451	602	12	banking	banking	NOUN
fsr-3451	602	13	:	:	PUNCT
fsr-3451	602	14	moderating	moderate	VERB
fsr-3451	602	15	role	role	NOUN
fsr-3451	602	16	of	of	ADP
fsr-3451	602	17	need	need	NOUN
fsr-3451	602	18	for	for	ADP
fsr-3451	602	19	uniqueness	uniqueness	NOUN
fsr-3451	602	20	.	.	PUNCT
fsr-3451	603	1	digit	digit	NOUN
fsr-3451	603	2	2015	2015	NUM
fsr-3451	603	3	proceedings	proceeding	NOUN
fsr-3451	603	4	,	,	PUNCT
fsr-3451	603	5	14	14	NUM
fsr-3451	603	6	.	.	X
fsr-3451	604	1	tam	tam	PROPN
fsr-3451	604	2	,	,	PUNCT
fsr-3451	604	3	c.	c.	PROPN
fsr-3451	604	4	,	,	PUNCT
fsr-3451	604	5	&	&	CCONJ
fsr-3451	604	6	oliveira	oliveira	PROPN
fsr-3451	604	7	,	,	PUNCT
fsr-3451	604	8	t.	t.	PROPN
fsr-3451	604	9	(	(	PUNCT
fsr-3451	604	10	2017	2017	NUM
fsr-3451	604	11	)	)	PUNCT
fsr-3451	604	12	.	.	PUNCT
fsr-3451	605	1	literature	literature	PROPN
fsr-3451	605	2	review	review	PROPN
fsr-3451	605	3	of	of	ADP
fsr-3451	605	4	mobile	mobile	ADJ
fsr-3451	605	5	banking	banking	NOUN
fsr-3451	605	6	and	and	CCONJ
fsr-3451	605	7	individual	individual	ADJ
fsr-3451	605	8	performance	performance	NOUN
fsr-3451	605	9	.	.	PUNCT
fsr-3451	606	1	international	international	ADJ
fsr-3451	606	2	journal	journal	PROPN
fsr-3451	606	3	of	of	ADP
fsr-3451	606	4	bank	bank	PROPN
fsr-3451	606	5	marketing	marketing	NOUN
fsr-3451	606	6	,	,	PUNCT
fsr-3451	606	7	35	35	NUM
fsr-3451	606	8	,	,	PUNCT
fsr-3451	606	9	1044	1044	NUM
fsr-3451	606	10	-	-	SYM
fsr-3451	606	11	1067	1067	NUM
fsr-3451	606	12	.	.	PUNCT
fsr-3451	607	1	tan	tan	PROPN
fsr-3451	607	2	,	,	PUNCT
fsr-3451	607	3	e.	e.	PROPN
fsr-3451	607	4	,	,	PUNCT
fsr-3451	607	5	&	&	CCONJ
fsr-3451	607	6	lau	lau	PROPN
fsr-3451	607	7	,	,	PUNCT
fsr-3451	607	8	j.	j.	PROPN
fsr-3451	607	9	l.	l.	PROPN
fsr-3451	607	10	(	(	PUNCT
fsr-3451	607	11	2016	2016	NUM
fsr-3451	607	12	)	)	PUNCT
fsr-3451	607	13	.	.	PUNCT
fsr-3451	608	1	behavioural	behavioural	ADJ
fsr-3451	608	2	intention	intention	NOUN
fsr-3451	608	3	to	to	PART
fsr-3451	608	4	adopt	adopt	VERB
fsr-3451	608	5	mobile	mobile	ADJ
fsr-3451	608	6	banking	banking	NOUN
fsr-3451	608	7	among	among	ADP
fsr-3451	608	8	the	the	DET
fsr-3451	608	9	millennial	millennial	ADJ
fsr-3451	608	10	generation	generation	NOUN
fsr-3451	608	11	.	.	PUNCT
fsr-3451	609	1	young	young	ADJ
fsr-3451	609	2	consumers	consumer	NOUN
fsr-3451	609	3	,	,	PUNCT
fsr-3451	609	4	17	17	NUM
fsr-3451	609	5	,	,	PUNCT
fsr-3451	609	6	18	18	NUM
fsr-3451	609	7	-	-	SYM
fsr-3451	609	8	31	31	NUM
fsr-3451	609	9	.	.	PUNCT
fsr-3451	610	1	thakur	thakur	PROPN
fsr-3451	610	2	,	,	PUNCT
fsr-3451	610	3	r.	r.	PROPN
fsr-3451	610	4	(	(	PUNCT
fsr-3451	610	5	2014	2014	NUM
fsr-3451	610	6	)	)	PUNCT
fsr-3451	610	7	.	.	PUNCT
fsr-3451	611	1	what	what	PRON
fsr-3451	611	2	keeps	keep	VERB
fsr-3451	611	3	mobile	mobile	ADJ
fsr-3451	611	4	banking	banking	NOUN
fsr-3451	611	5	customers	customer	NOUN
fsr-3451	611	6	loyal	loyal	ADJ
fsr-3451	611	7	?	?	PUNCT
fsr-3451	612	1	international	international	ADJ
fsr-3451	612	2	journal	journal	NOUN
fsr-3451	612	3	of	of	ADP
fsr-3451	612	4	bank	bank	PROPN
fsr-3451	612	5	marketing	marketing	NOUN
fsr-3451	612	6	,	,	PUNCT
fsr-3451	612	7	32	32	NUM
fsr-3451	612	8	,	,	PUNCT
fsr-3451	612	9	628	628	NUM
fsr-3451	612	10	-	-	SYM
fsr-3451	612	11	646	646	NUM
fsr-3451	612	12	.	.	PUNCT
fsr-3451	613	1	verhoef	verhoef	NOUN
fsr-3451	613	2	,	,	PUNCT
fsr-3451	613	3	p.	p.	PROPN
fsr-3451	613	4	c.	c.	PROPN
fsr-3451	613	5	,	,	PUNCT
fsr-3451	613	6	&	&	CCONJ
fsr-3451	613	7	donkers	donker	NOUN
fsr-3451	613	8	,	,	PUNCT
fsr-3451	613	9	b.	b.	PROPN
fsr-3451	613	10	(	(	PUNCT
fsr-3451	613	11	2005	2005	NUM
fsr-3451	613	12	)	)	PUNCT
fsr-3451	613	13	.	.	PUNCT
fsr-3451	614	1	the	the	DET
fsr-3451	614	2	effect	effect	NOUN
fsr-3451	614	3	of	of	ADP
fsr-3451	614	4	acquisition	acquisition	NOUN
fsr-3451	614	5	channels	channel	NOUN
fsr-3451	614	6	on	on	ADP
fsr-3451	614	7	customer	customer	NOUN
fsr-3451	614	8	loyalty	loyalty	NOUN
fsr-3451	614	9	and	and	CCONJ
fsr-3451	614	10	cross	cross	NOUN
fsr-3451	614	11	-	-	ADJ
fsr-3451	614	12	buying	buying	ADJ
fsr-3451	614	13	.	.	PUNCT
fsr-3451	615	1	journal	journal	NOUN
fsr-3451	615	2	of	of	ADP
fsr-3451	615	3	interactive	interactive	ADJ
fsr-3451	615	4	marketing	marketing	NOUN
fsr-3451	615	5	,	,	PUNCT
fsr-3451	615	6	19	19	NUM
fsr-3451	615	7	,	,	PUNCT
fsr-3451	615	8	31	31	NUM
fsr-3451	615	9	-	-	SYM
fsr-3451	615	10	43	43	NUM
fsr-3451	615	11	.	.	PUNCT
fsr-3451	616	1	wen	wen	PROPN
fsr-3451	616	2	,	,	PUNCT
fsr-3451	616	3	c.	c.	PROPN
fsr-3451	616	4	h.	h.	PROPN
fsr-3451	616	5	,	,	PUNCT
fsr-3451	616	6	&	&	CCONJ
fsr-3451	616	7	hilmi	hilmi	PROPN
fsr-3451	616	8	,	,	PUNCT
fsr-3451	616	9	m.	m.	PROPN
fsr-3451	616	10	f.	f.	PROPN
fsr-3451	616	11	(	(	PUNCT
fsr-3451	616	12	2011	2011	NUM
fsr-3451	616	13	)	)	PUNCT
fsr-3451	616	14	.	.	PUNCT
fsr-3451	617	1	exploring	explore	VERB
fsr-3451	617	2	service	service	NOUN
fsr-3451	617	3	quality	quality	NOUN
fsr-3451	617	4	,	,	PUNCT
fsr-3451	617	5	customer	customer	NOUN
fsr-3451	617	6	satisfaction	satisfaction	NOUN
fsr-3451	617	7	and	and	CCONJ
fsr-3451	617	8	customer	customer	NOUN
fsr-3451	617	9	loyalty	loyalty	NOUN
fsr-3451	617	10	in	in	ADP
fsr-3451	617	11	the	the	DET
fsr-3451	617	12	malaysian	malaysian	ADJ
fsr-3451	617	13	mobile	mobile	PROPN
fsr-3451	617	14	telecommunication	telecommunication	NOUN
fsr-3451	617	15	industry	industry	NOUN
fsr-3451	617	16	.	.	PUNCT
fsr-3451	618	1	in	in	ADP
fsr-3451	618	2	2011	2011	NUM
fsr-3451	618	3	ieee	ieee	NOUN
fsr-3451	618	4	colloquium	colloquium	NOUN
fsr-3451	618	5	on	on	ADP
fsr-3451	618	6	humanities	humanity	NOUN
fsr-3451	618	7	,	,	PUNCT
fsr-3451	618	8	science	science	NOUN
fsr-3451	618	9	and	and	CCONJ
fsr-3451	618	10	engineering	engineering	NOUN
fsr-3451	618	11	in	in	ADP
fsr-3451	618	12	penang	penang	PROPN
fsr-3451	618	13	,	,	PUNCT
fsr-3451	618	14	malaysia	malaysia	PROPN
fsr-3451	618	15	wirtz	wirtz	PROPN
fsr-3451	618	16	,	,	PUNCT
fsr-3451	618	17	j.	j.	PROPN
fsr-3451	618	18	,	,	PUNCT
fsr-3451	618	19	mattila	mattila	NOUN
fsr-3451	618	20	,	,	PUNCT
fsr-3451	618	21	a.	a.	PROPN
fsr-3451	618	22	s.	s.	PROPN
fsr-3451	618	23	,	,	PUNCT
fsr-3451	618	24	&	&	CCONJ
fsr-3451	618	25	lwin	lwin	PROPN
fsr-3451	618	26	,	,	PUNCT
fsr-3451	618	27	m.	m.	NOUN
fsr-3451	618	28	o.	o.	PROPN
fsr-3451	618	29	(	(	PUNCT
fsr-3451	618	30	2007	2007	NUM
fsr-3451	618	31	)	)	PUNCT
fsr-3451	618	32	.	.	PUNCT
fsr-3451	619	1	how	how	SCONJ
fsr-3451	619	2	effective	effective	ADJ
fsr-3451	619	3	are	be	AUX
fsr-3451	619	4	loyalty	loyalty	NOUN
fsr-3451	619	5	reward	reward	NOUN
fsr-3451	619	6	programs	program	NOUN
fsr-3451	619	7	in	in	ADP
fsr-3451	619	8	driving	drive	VERB
fsr-3451	619	9	share	share	NOUN
fsr-3451	619	10	of	of	ADP
fsr-3451	619	11	wallet	wallet	NOUN
fsr-3451	619	12	?	?	PUNCT
fsr-3451	620	1	journal	journal	NOUN
fsr-3451	620	2	of	of	ADP
fsr-3451	620	3	service	service	NOUN
fsr-3451	620	4	research	research	NOUN
fsr-3451	620	5	,	,	PUNCT
fsr-3451	620	6	9	9	NUM
fsr-3451	620	7	,	,	PUNCT
fsr-3451	620	8	327	327	NUM
fsr-3451	620	9	-	-	SYM
fsr-3451	620	10	334	334	NUM
fsr-3451	620	11	.	.	PUNCT
fsr-3451	621	1	yeh	yeh	PROPN
fsr-3451	621	2	,	,	PUNCT
fsr-3451	621	3	c.	c.	PROPN
fsr-3451	621	4	h.	h.	PROPN
fsr-3451	621	5	,	,	PUNCT
fsr-3451	621	6	wang	wang	PROPN
fsr-3451	621	7	,	,	PUNCT
fsr-3451	621	8	y.	y.	PROPN
fsr-3451	621	9	s.	s.	PROPN
fsr-3451	621	10	,	,	PUNCT
fsr-3451	621	11	&	&	CCONJ
fsr-3451	621	12	yieh	yieh	PROPN
fsr-3451	621	13	,	,	PUNCT
fsr-3451	621	14	k.	k.	PROPN
fsr-3451	621	15	(	(	PUNCT
fsr-3451	621	16	2016	2016	NUM
fsr-3451	621	17	)	)	PUNCT
fsr-3451	621	18	.	.	PUNCT
fsr-3451	622	1	predicting	predict	VERB
fsr-3451	622	2	smartphone	smartphone	NOUN
fsr-3451	622	3	brand	brand	NOUN
fsr-3451	622	4	loyalty	loyalty	NOUN
fsr-3451	622	5	:	:	PUNCT
fsr-3451	622	6	consumer	consumer	NOUN
fsr-3451	622	7	value	value	NOUN
fsr-3451	622	8	and	and	CCONJ
fsr-3451	622	9	consumer	consumer	NOUN
fsr-3451	622	10	-	-	PUNCT
fsr-3451	622	11	brand	brand	NOUN
fsr-3451	622	12	identification	identification	NOUN
fsr-3451	622	13	perspectives	perspective	NOUN
fsr-3451	622	14	.	.	PUNCT
fsr-3451	623	1	international	international	ADJ
fsr-3451	623	2	journal	journal	PROPN
fsr-3451	623	3	of	of	ADP
fsr-3451	623	4	information	information	NOUN
fsr-3451	623	5	management	management	NOUN
fsr-3451	623	6	,	,	PUNCT
fsr-3451	623	7	36	36	NUM
fsr-3451	623	8	,	,	PUNCT
fsr-3451	623	9	245	245	NUM
fsr-3451	623	10	-	-	SYM
fsr-3451	623	11	257	257	NUM
fsr-3451	623	12	.	.	PUNCT
fsr-3451	624	1	yoon	yoon	PROPN
fsr-3451	624	2	,	,	PUNCT
fsr-3451	624	3	c.	c.	PROPN
fsr-3451	624	4	(	(	PUNCT
fsr-3451	624	5	2010	2010	NUM
fsr-3451	624	6	)	)	PUNCT
fsr-3451	624	7	.	.	PUNCT
fsr-3451	625	1	antecedents	antecedent	NOUN
fsr-3451	625	2	of	of	ADP
fsr-3451	625	3	customer	customer	NOUN
fsr-3451	625	4	satisfaction	satisfaction	NOUN
fsr-3451	625	5	with	with	ADP
fsr-3451	625	6	online	online	ADJ
fsr-3451	625	7	banking	banking	NOUN
fsr-3451	625	8	in	in	ADP
fsr-3451	625	9	china	china	PROPN
fsr-3451	625	10	:	:	PUNCT
fsr-3451	625	11	the	the	DET
fsr-3451	625	12	effects	effect	NOUN
fsr-3451	625	13	of	of	ADP
fsr-3451	625	14	experience	experience	NOUN
fsr-3451	625	15	.	.	PUNCT
fsr-3451	626	1	computers	computer	NOUN
fsr-3451	626	2	in	in	ADP
fsr-3451	626	3	human	human	ADJ
fsr-3451	626	4	behavior	behavior	NOUN
fsr-3451	626	5	,	,	PUNCT
fsr-3451	626	6	26	26	NUM
fsr-3451	626	7	,	,	PUNCT
fsr-3451	626	8	1296	1296	NUM
fsr-3451	626	9	-	-	SYM
fsr-3451	626	10	1304	1304	NUM
fsr-3451	626	11	.	.	PUNCT
fsr-3451	627	1	zhou	zhou	PROPN
fsr-3451	627	2	,	,	PUNCT
fsr-3451	627	3	t.	t.	PROPN
fsr-3451	627	4	,	,	PUNCT
fsr-3451	627	5	lu	lu	PROPN
fsr-3451	627	6	,	,	PUNCT
fsr-3451	627	7	y.	y.	PROPN
fsr-3451	627	8	,	,	PUNCT
fsr-3451	627	9	&	&	CCONJ
fsr-3451	627	10	wang	wang	PROPN
fsr-3451	627	11	,	,	PUNCT
fsr-3451	627	12	b.	b.	PROPN
fsr-3451	627	13	(	(	PUNCT
fsr-3451	627	14	2010	2010	NUM
fsr-3451	627	15	)	)	PUNCT
fsr-3451	627	16	.	.	PUNCT
fsr-3451	628	1	integrating	integrate	VERB
fsr-3451	628	2	ttf	ttf	PROPN
fsr-3451	628	3	and	and	CCONJ
fsr-3451	628	4	utaut	utaut	NOUN
fsr-3451	628	5	to	to	PART
fsr-3451	628	6	explain	explain	VERB
fsr-3451	628	7	mobile	mobile	ADJ
fsr-3451	628	8	banking	banking	NOUN
fsr-3451	628	9	user	user	NOUN
fsr-3451	628	10	adoption	adoption	NOUN
fsr-3451	628	11	.	.	PUNCT
fsr-3451	629	1	computers	computer	NOUN
fsr-3451	629	2	in	in	ADP
fsr-3451	629	3	human	human	ADJ
fsr-3451	629	4	behavior	behavior	NOUN
fsr-3451	629	5	,	,	PUNCT
fsr-3451	629	6	26	26	NUM
fsr-3451	629	7	,	,	PUNCT
fsr-3451	629	8	760	760	NUM
fsr-3451	629	9	-	-	SYM
fsr-3451	629	10	767	767	NUM
fsr-3451	629	11	.	.	PUNCT
fsr-3451	630	1	m.	m.	NOUN
fsr-3451	630	2	nourallah	nourallah	PROPN
fsr-3451	630	3	et	et	PROPN
fsr-3451	630	4	al	al	PROPN
fsr-3451	630	5	.	.	PUNCT
fsr-3451	631	1	/	/	SYM
fsr-3451	631	2	financial	financial	ADJ
fsr-3451	631	3	services	service	NOUN
fsr-3451	631	4	review	review	VERB
fsr-3451	631	5	29	29	NUM
fsr-3451	631	6	(	(	PUNCT
fsr-3451	631	7	2021	2021	NUM
fsr-3451	631	8	)	)	PUNCT
fsr-3451	632	1	147–167	147–167	NUM
fsr-3451	632	2	167	167	NUM