id	sid	tid	token	lemma	pos
fbem-1043	1	1	frontiers	frontier	NOUN
fbem-1043	1	2	in	in	ADP
fbem-1043	1	3	business	business	NOUN
fbem-1043	1	4	,	,	PUNCT
fbem-1043	1	5	economics	economic	NOUN
fbem-1043	1	6	and	and	CCONJ
fbem-1043	1	7	management	management	NOUN
fbem-1043	1	8	issn	issn	PROPN
fbem-1043	1	9	:	:	PUNCT
fbem-1043	1	10	2766	2766	NUM
fbem-1043	1	11	-	-	PUNCT
fbem-1043	1	12	824x	824x	NUM
fbem-1043	1	13	|	|	ADJ
fbem-1043	1	14	vol	vol	NOUN
fbem-1043	1	15	.	.	PROPN
fbem-1043	2	1	4	4	NUM
fbem-1043	2	2	,	,	PUNCT
fbem-1043	2	3	no	no	INTJ
fbem-1043	2	4	.	.	NOUN
fbem-1043	2	5	3	3	NUM
fbem-1043	2	6	,	,	PUNCT
fbem-1043	2	7	2022	2022	NUM
fbem-1043	2	8	1	1	NUM
fbem-1043	2	9	factors	factor	NOUN
fbem-1043	2	10	influencing	influence	VERB
fbem-1043	2	11	chinese	chinese	ADJ
fbem-1043	2	12	consumers	consumer	NOUN
fbem-1043	2	13	’	'	PUNCT
fbem-1043	2	14	desire	desire	NOUN
fbem-1043	2	15	to	to	PART
fbem-1043	2	16	use	use	VERB
fbem-1043	2	17	e‐payment	e‐payment	NUM
fbem-1043	2	18	in	in	ADP
fbem-1043	2	19	thailand	thailand	PROPN
fbem-1043	2	20	sumas	sumas	PROPN
fbem-1043	2	21	wongsunopparat1	wongsunopparat1	PROPN
fbem-1043	2	22	,	,	PUNCT
fbem-1043	2	23	chunjing	chunje	VERB
fbem-1043	2	24	he2	he2	PROPN
fbem-1043	2	25	1phd	1phd	PROPN
fbem-1043	2	26	,	,	PUNCT
fbem-1043	2	27	johnson	johnson	PROPN
fbem-1043	2	28	graduate	graduate	PROPN
fbem-1043	2	29	school	school	PROPN
fbem-1043	2	30	of	of	ADP
fbem-1043	2	31	management	management	NOUN
fbem-1043	2	32	,	,	PUNCT
fbem-1043	2	33	cornell	cornell	PROPN
fbem-1043	2	34	university	university	PROPN
fbem-1043	2	35	,	,	PUNCT
fbem-1043	2	36	united	united	PROPN
fbem-1043	2	37	states	states	PROPN
fbem-1043	2	38	of	of	ADP
fbem-1043	2	39	america	america	PROPN
fbem-1043	2	40	,	,	PUNCT
fbem-1043	2	41	mba	mba	PROPN
fbem-1043	2	42	,	,	PUNCT
fbem-1043	2	43	tepper	tepper	PROPN
fbem-1043	2	44	school	school	NOUN
fbem-1043	2	45	of	of	ADP
fbem-1043	2	46	business	business	NOUN
fbem-1043	2	47	,	,	PUNCT
fbem-1043	2	48	carnegie	carnegie	PROPN
fbem-1043	2	49	mellon	mellon	PROPN
fbem-1043	2	50	university	university	PROPN
fbem-1043	2	51	,	,	PUNCT
fbem-1043	2	52	united	united	PROPN
fbem-1043	2	53	states	states	PROPN
fbem-1043	2	54	of	of	ADP
fbem-1043	2	55	america	america	PROPN
fbem-1043	2	56	2master	2master	PROPN
fbem-1043	2	57	of	of	ADP
fbem-1043	2	58	business	business	PROPN
fbem-1043	2	59	administration	administration	PROPN
fbem-1043	2	60	,	,	PUNCT
fbem-1043	2	61	bangkok	bangkok	PROPN
fbem-1043	2	62	university	university	PROPN
fbem-1043	2	63	,	,	PUNCT
fbem-1043	2	64	bangkok	bangkok	PROPN
fbem-1043	2	65	,	,	PUNCT
fbem-1043	2	66	thailand	thailand	PROPN
fbem-1043	2	67	abstract	abstract	PROPN
fbem-1043	2	68	:	:	PUNCT
fbem-1043	2	69	as	as	SCONJ
fbem-1043	2	70	corona	corona	NOUN
fbem-1043	2	71	virus	virus	NOUN
fbem-1043	2	72	pandemic	pandemic	ADJ
fbem-1043	2	73	has	have	AUX
fbem-1043	2	74	become	become	VERB
fbem-1043	2	75	a	a	DET
fbem-1043	2	76	major	major	ADJ
fbem-1043	2	77	driving	drive	VERB
fbem-1043	2	78	force	force	NOUN
fbem-1043	2	79	of	of	ADP
fbem-1043	2	80	seismic	seismic	ADJ
fbem-1043	2	81	shift	shift	NOUN
fbem-1043	2	82	in	in	ADP
fbem-1043	2	83	how	how	SCONJ
fbem-1043	2	84	people	people	NOUN
fbem-1043	2	85	shop	shop	VERB
fbem-1043	2	86	and	and	CCONJ
fbem-1043	2	87	pay	pay	VERB
fbem-1043	2	88	all	all	PRON
fbem-1043	2	89	over	over	ADP
fbem-1043	2	90	the	the	DET
fbem-1043	2	91	world	world	NOUN
fbem-1043	2	92	.	.	PUNCT
fbem-1043	3	1	these	these	DET
fbem-1043	3	2	new	new	ADJ
fbem-1043	3	3	consumer	consumer	NOUN
fbem-1043	3	4	preferences	preference	NOUN
fbem-1043	3	5	of	of	ADP
fbem-1043	3	6	e	e	NOUN
fbem-1043	3	7	-	-	NOUN
fbem-1043	3	8	payment	payment	NOUN
fbem-1043	3	9	are	be	AUX
fbem-1043	3	10	here	here	ADV
fbem-1043	3	11	to	to	PART
fbem-1043	3	12	stay	stay	VERB
fbem-1043	3	13	and	and	CCONJ
fbem-1043	3	14	will	will	AUX
fbem-1043	3	15	continue	continue	VERB
fbem-1043	3	16	to	to	PART
fbem-1043	3	17	shape	shape	VERB
fbem-1043	3	18	the	the	DET
fbem-1043	3	19	next	next	ADJ
fbem-1043	3	20	normal	normal	NOUN
fbem-1043	3	21	for	for	ADP
fbem-1043	3	22	everyone	everyone	PRON
fbem-1043	3	23	involved	involve	VERB
fbem-1043	3	24	in	in	ADP
fbem-1043	3	25	this	this	DET
fbem-1043	3	26	whole	whole	ADJ
fbem-1043	3	27	new	new	ADJ
fbem-1043	3	28	ecosystem	ecosystem	NOUN
fbem-1043	3	29	for	for	ADP
fbem-1043	3	30	the	the	DET
fbem-1043	3	31	years	year	NOUN
fbem-1043	3	32	to	to	PART
fbem-1043	3	33	come	come	VERB
fbem-1043	3	34	.	.	PUNCT
fbem-1043	4	1	therefore	therefore	ADV
fbem-1043	4	2	all	all	DET
fbem-1043	4	3	key	key	ADJ
fbem-1043	4	4	stakeholders	stakeholder	NOUN
fbem-1043	4	5	need	need	VERB
fbem-1043	4	6	to	to	PART
fbem-1043	4	7	understand	understand	VERB
fbem-1043	4	8	what	what	PRON
fbem-1043	4	9	factors	factor	VERB
fbem-1043	4	10	influence	influence	NOUN
fbem-1043	4	11	and	and	CCONJ
fbem-1043	4	12	shape	shape	VERB
fbem-1043	4	13	this	this	DET
fbem-1043	4	14	changing	change	VERB
fbem-1043	4	15	market	market	NOUN
fbem-1043	4	16	dynamics	dynamic	NOUN
fbem-1043	4	17	and	and	CCONJ
fbem-1043	4	18	shifting	shift	VERB
fbem-1043	4	19	consumer	consumer	NOUN
fbem-1043	4	20	expectations	expectation	NOUN
fbem-1043	4	21	for	for	ADP
fbem-1043	4	22	these	these	DET
fbem-1043	4	23	new	new	ADJ
fbem-1043	4	24	e	e	ADJ
fbem-1043	4	25	-	-	NOUN
fbem-1043	4	26	payment	payment	NOUN
fbem-1043	4	27	trends	trend	NOUN
fbem-1043	4	28	in	in	ADP
fbem-1043	4	29	order	order	NOUN
fbem-1043	4	30	to	to	PART
fbem-1043	4	31	remain	remain	VERB
fbem-1043	4	32	competitive	competitive	ADJ
fbem-1043	4	33	and	and	CCONJ
fbem-1043	4	34	thrive	thrive	VERB
fbem-1043	4	35	.	.	PUNCT
fbem-1043	5	1	since	since	SCONJ
fbem-1043	5	2	thailand	thailand	PROPN
fbem-1043	5	3	has	have	AUX
fbem-1043	5	4	become	become	VERB
fbem-1043	5	5	tourist	tourist	NOUN
fbem-1043	5	6	destination	destination	NOUN
fbem-1043	5	7	of	of	ADP
fbem-1043	5	8	chinese	chinese	PROPN
fbem-1043	5	9	.	.	PUNCT
fbem-1043	6	1	consequently	consequently	ADV
fbem-1043	6	2	,	,	PUNCT
fbem-1043	6	3	e	e	NOUN
fbem-1043	6	4	-	-	NOUN
fbem-1043	6	5	payment	payment	NOUN
fbem-1043	6	6	is	be	AUX
fbem-1043	6	7	becoming	become	VERB
fbem-1043	6	8	popular	popular	ADJ
fbem-1043	6	9	in	in	ADP
fbem-1043	6	10	recent	recent	ADJ
fbem-1043	6	11	years	year	NOUN
fbem-1043	6	12	especially	especially	ADV
fbem-1043	6	13	during	during	ADP
fbem-1043	6	14	covid-19	covid-19	PROPN
fbem-1043	6	15	pandemic	pandemic	NOUN
fbem-1043	6	16	.	.	PUNCT
fbem-1043	7	1	the	the	DET
fbem-1043	7	2	purpose	purpose	NOUN
fbem-1043	7	3	of	of	ADP
fbem-1043	7	4	this	this	DET
fbem-1043	7	5	research	research	NOUN
fbem-1043	7	6	is	be	AUX
fbem-1043	7	7	study	study	NOUN
fbem-1043	7	8	of	of	ADP
fbem-1043	7	9	factors	factor	NOUN
fbem-1043	7	10	influencing	influence	VERB
fbem-1043	7	11	chinese	chinese	ADJ
fbem-1043	7	12	consumers	consumer	NOUN
fbem-1043	7	13	’	'	PUNCT
fbem-1043	7	14	desire	desire	NOUN
fbem-1043	7	15	to	to	PART
fbem-1043	7	16	use	use	VERB
fbem-1043	7	17	e	e	NOUN
fbem-1043	7	18	-	-	NOUN
fbem-1043	7	19	payment	payment	NOUN
fbem-1043	7	20	in	in	ADP
fbem-1043	7	21	thailand	thailand	PROPN
fbem-1043	7	22	.	.	PUNCT
fbem-1043	8	1	these	these	DET
fbem-1043	8	2	factors	factor	NOUN
fbem-1043	8	3	are	be	AUX
fbem-1043	8	4	benefits	benefit	NOUN
fbem-1043	8	5	(	(	PUNCT
fbem-1043	8	6	bn	bn	NOUN
fbem-1043	8	7	)	)	PUNCT
fbem-1043	8	8	,	,	PUNCT
fbem-1043	8	9	trust	trust	NOUN
fbem-1043	8	10	&	&	CCONJ
fbem-1043	8	11	security	security	PROPN
fbem-1043	8	12	(	(	PUNCT
fbem-1043	8	13	ts	ts	NOUN
fbem-1043	8	14	)	)	PUNCT
fbem-1043	8	15	,	,	PUNCT
fbem-1043	8	16	user	user	NOUN
fbem-1043	8	17	friendly	friendly	ADJ
fbem-1043	8	18	(	(	PUNCT
fbem-1043	8	19	uf	uf	NOUN
fbem-1043	8	20	)	)	PUNCT
fbem-1043	8	21	,	,	PUNCT
fbem-1043	8	22	technology	technology	NOUN
fbem-1043	8	23	(	(	PUNCT
fbem-1043	8	24	tn	tn	NOUN
fbem-1043	8	25	)	)	PUNCT
fbem-1043	8	26	,	,	PUNCT
fbem-1043	8	27	popularity	popularity	NOUN
fbem-1043	8	28	(	(	PUNCT
fbem-1043	8	29	pp	pp	ADJ
fbem-1043	8	30	)	)	PUNCT
fbem-1043	8	31	,	,	PUNCT
fbem-1043	8	32	culture	culture	NOUN
fbem-1043	8	33	(	(	PUNCT
fbem-1043	8	34	cu	cu	PROPN
fbem-1043	8	35	)	)	PUNCT
fbem-1043	8	36	,	,	PUNCT
fbem-1043	8	37	government	government	NOUN
fbem-1043	8	38	policy	policy	NOUN
fbem-1043	8	39	(	(	PUNCT
fbem-1043	8	40	gp	gp	NOUN
fbem-1043	8	41	)	)	PUNCT
fbem-1043	8	42	,	,	PUNCT
fbem-1043	8	43	social	social	ADJ
fbem-1043	8	44	pressure	pressure	NOUN
fbem-1043	8	45	(	(	PUNCT
fbem-1043	8	46	sp	sp	NOUN
fbem-1043	8	47	)	)	PUNCT
fbem-1043	8	48	,	,	PUNCT
fbem-1043	8	49	pop	pop	NOUN
fbem-1043	8	50	culture	culture	NOUN
fbem-1043	8	51	(	(	PUNCT
fbem-1043	8	52	pc	pc	NOUN
fbem-1043	8	53	)	)	PUNCT
fbem-1043	8	54	,	,	PUNCT
fbem-1043	8	55	product	product	NOUN
fbem-1043	8	56	value	value	NOUN
fbem-1043	8	57	(	(	PUNCT
fbem-1043	8	58	pd	pd	NOUN
fbem-1043	8	59	)	)	PUNCT
fbem-1043	8	60	and	and	CCONJ
fbem-1043	8	61	e	e	NOUN
fbem-1043	8	62	-	-	NOUN
fbem-1043	8	63	payment	payment	NOUN
fbem-1043	8	64	behavior	behavior	NOUN
fbem-1043	8	65	(	(	PUNCT
fbem-1043	8	66	ep	ep	PROPN
fbem-1043	8	67	)	)	PUNCT
fbem-1043	8	68	.	.	PUNCT
fbem-1043	9	1	400	400	NUM
fbem-1043	9	2	sample	sample	NOUN
fbem-1043	9	3	were	be	AUX
fbem-1043	9	4	collected	collect	VERB
fbem-1043	9	5	using	use	VERB
fbem-1043	9	6	electronic	electronic	ADJ
fbem-1043	9	7	questionnaire	questionnaire	NOUN
fbem-1043	9	8	through	through	ADP
fbem-1043	9	9	social	social	ADJ
fbem-1043	9	10	media	medium	NOUN
fbem-1043	9	11	such	such	ADJ
fbem-1043	9	12	as	as	ADP
fbem-1043	9	13	facebook	facebook	PROPN
fbem-1043	9	14	,	,	PUNCT
fbem-1043	9	15	wechat	wechat	NOUN
fbem-1043	9	16	and	and	CCONJ
fbem-1043	9	17	line	line	NOUN
fbem-1043	9	18	.	.	PUNCT
fbem-1043	10	1	we	we	PRON
fbem-1043	10	2	used	use	VERB
fbem-1043	10	3	second	second	ADJ
fbem-1043	10	4	-	-	PUNCT
fbem-1043	10	5	order	order	NOUN
fbem-1043	10	6	structural	structural	ADJ
fbem-1043	10	7	equation	equation	NOUN
fbem-1043	10	8	models	model	NOUN
fbem-1043	10	9	(	(	PUNCT
fbem-1043	10	10	sem	sem	NOUN
fbem-1043	10	11	)	)	PUNCT
fbem-1043	10	12	for	for	ADP
fbem-1043	10	13	data	datum	NOUN
fbem-1043	10	14	analysis	analysis	NOUN
fbem-1043	10	15	.	.	PUNCT
fbem-1043	11	1	the	the	DET
fbem-1043	11	2	result	result	NOUN
fbem-1043	11	3	shows	show	VERB
fbem-1043	11	4	that	that	SCONJ
fbem-1043	11	5	rmsea	rmsea	NOUN
fbem-1043	11	6	is	be	AUX
fbem-1043	11	7	.052	.052	NUM
fbem-1043	11	8	(	(	PUNCT
fbem-1043	11	9	<	<	X
fbem-1043	11	10	.06	.06	NUM
fbem-1043	11	11	)	)	PUNCT
fbem-1043	11	12	which	which	PRON
fbem-1043	11	13	strongly	strongly	ADV
fbem-1043	11	14	indicates	indicate	VERB
fbem-1043	11	15	a	a	DET
fbem-1043	11	16	“	"	PUNCT
fbem-1043	11	17	close	close	ADJ
fbem-1043	11	18	fit	fit	NOUN
fbem-1043	11	19	”	"	PUNCT
fbem-1043	11	20	and	and	CCONJ
fbem-1043	11	21	the	the	DET
fbem-1043	11	22	goodness	goodness	NOUN
fbem-1043	11	23	of	of	ADP
fbem-1043	11	24	fit	fit	ADJ
fbem-1043	11	25	index	index	NOUN
fbem-1043	11	26	(	(	PUNCT
fbem-1043	11	27	gfi	gfi	NOUN
fbem-1043	11	28	)	)	PUNCT
fbem-1043	11	29	value	value	NOUN
fbem-1043	11	30	is	be	AUX
fbem-1043	11	31	.900	.900	NUM
fbem-1043	11	32	,	,	PUNCT
fbem-1043	11	33	the	the	DET
fbem-1043	11	34	model	model	NOUN
fbem-1043	11	35	seems	seem	VERB
fbem-1043	11	36	to	to	PART
fbem-1043	11	37	fit	fit	VERB
fbem-1043	11	38	well	well	ADV
fbem-1043	11	39	according	accord	VERB
fbem-1043	11	40	to	to	ADP
fbem-1043	11	41	the	the	DET
fbem-1043	11	42	descriptive	descriptive	ADJ
fbem-1043	11	43	measures	measure	NOUN
fbem-1043	11	44	of	of	ADP
fbem-1043	11	45	fit	fit	NOUN
fbem-1043	11	46	.	.	PUNCT
fbem-1043	12	1	more	more	ADV
fbem-1043	12	2	importantly	importantly	ADV
fbem-1043	12	3	,	,	PUNCT
fbem-1043	12	4	trust	trust	NOUN
fbem-1043	12	5	&	&	CCONJ
fbem-1043	12	6	security	security	PROPN
fbem-1043	12	7	(	(	PUNCT
fbem-1043	12	8	ts	ts	NOUN
fbem-1043	12	9	)	)	PUNCT
fbem-1043	12	10	and	and	CCONJ
fbem-1043	12	11	secondorder	secondorder	ADJ
fbem-1043	12	12	latent	latent	NOUN
fbem-1043	12	13	variable	variable	NOUN
fbem-1043	12	14	called	call	VERB
fbem-1043	12	15	product	product	NOUN
fbem-1043	12	16	value	value	NOUN
fbem-1043	12	17	(	(	PUNCT
fbem-1043	12	18	pd	pd	NOUN
fbem-1043	12	19	)	)	PUNCT
fbem-1043	12	20	which	which	PRON
fbem-1043	12	21	represents	represent	VERB
fbem-1043	12	22	user	user	NOUN
fbem-1043	12	23	friendly	friendly	ADJ
fbem-1043	12	24	(	(	PUNCT
fbem-1043	12	25	uf	uf	NOUN
fbem-1043	12	26	)	)	PUNCT
fbem-1043	12	27	and	and	CCONJ
fbem-1043	12	28	technological	technological	ADJ
fbem-1043	12	29	aspects	aspect	NOUN
fbem-1043	12	30	(	(	PUNCT
fbem-1043	12	31	tn	tn	NOUN
fbem-1043	12	32	)	)	PUNCT
fbem-1043	12	33	of	of	ADP
fbem-1043	12	34	e	e	NOUN
fbem-1043	12	35	-	-	NOUN
fbem-1043	12	36	payment	payment	NOUN
fbem-1043	12	37	system	system	NOUN
fbem-1043	12	38	seem	seem	VERB
fbem-1043	12	39	to	to	PART
fbem-1043	12	40	have	have	VERB
fbem-1043	12	41	significant	significant	ADJ
fbem-1043	12	42	effects	effect	NOUN
fbem-1043	12	43	on	on	ADP
fbem-1043	12	44	customer	customer	NOUN
fbem-1043	12	45	desire	desire	NOUN
fbem-1043	12	46	to	to	PART
fbem-1043	12	47	use	use	VERB
fbem-1043	12	48	e	e	NOUN
fbem-1043	12	49	-	-	NOUN
fbem-1043	12	50	payment	payment	NOUN
fbem-1043	12	51	due	due	ADP
fbem-1043	12	52	to	to	ADP
fbem-1043	12	53	their	their	PRON
fbem-1043	12	54	p	p	NOUN
fbem-1043	12	55	-	-	PUNCT
fbem-1043	12	56	values	value	NOUN
fbem-1043	12	57	are	be	AUX
fbem-1043	12	58	both	both	ADV
fbem-1043	12	59	less	less	ADJ
fbem-1043	12	60	than	than	ADP
fbem-1043	12	61	.05	.05	NUM
fbem-1043	12	62	.	.	PUNCT
fbem-1043	13	1	that	that	PRON
fbem-1043	13	2	means	mean	VERB
fbem-1043	13	3	if	if	SCONJ
fbem-1043	13	4	e	e	NOUN
fbem-1043	13	5	-	-	NOUN
fbem-1043	13	6	payment	payment	ADJ
fbem-1043	13	7	operators	operator	NOUN
fbem-1043	13	8	can	can	AUX
fbem-1043	13	9	provide	provide	VERB
fbem-1043	13	10	highly	highly	ADV
fbem-1043	13	11	-	-	PUNCT
fbem-1043	13	12	secure	secure	ADJ
fbem-1043	13	13	,	,	PUNCT
fbem-1043	13	14	high	high	ADJ
fbem-1043	13	15	-	-	PUNCT
fbem-1043	13	16	tech	tech	NOUN
fbem-1043	13	17	,	,	PUNCT
fbem-1043	13	18	and	and	CCONJ
fbem-1043	13	19	user	user	NOUN
fbem-1043	13	20	-	-	PUNCT
fbem-1043	13	21	friendly	friendly	ADJ
fbem-1043	13	22	e	e	ADJ
fbem-1043	13	23	-	-	ADJ
fbem-1043	13	24	payment	payment	NOUN
fbem-1043	13	25	system	system	NOUN
fbem-1043	13	26	that	that	PRON
fbem-1043	13	27	can	can	AUX
fbem-1043	13	28	be	be	AUX
fbem-1043	13	29	trusted	trust	VERB
fbem-1043	13	30	,	,	PUNCT
fbem-1043	13	31	people	people	NOUN
fbem-1043	13	32	will	will	AUX
fbem-1043	13	33	be	be	AUX
fbem-1043	13	34	more	more	ADV
fbem-1043	13	35	likely	likely	ADJ
fbem-1043	13	36	to	to	PART
fbem-1043	13	37	switch	switch	VERB
fbem-1043	13	38	to	to	PART
fbem-1043	13	39	use	use	VERB
fbem-1043	13	40	e	e	NOUN
fbem-1043	13	41	-	-	NOUN
fbem-1043	13	42	payment	payment	NOUN
fbem-1043	13	43	to	to	PART
fbem-1043	13	44	replace	replace	VERB
fbem-1043	13	45	cards	card	NOUN
fbem-1043	13	46	and	and	CCONJ
fbem-1043	13	47	cash	cash	VERB
fbem-1043	13	48	any	any	DET
fbem-1043	13	49	day	day	NOUN
fbem-1043	13	50	.	.	PUNCT
fbem-1043	14	1	the	the	DET
fbem-1043	14	2	results	result	NOUN
fbem-1043	14	3	found	find	VERB
fbem-1043	14	4	in	in	ADP
fbem-1043	14	5	this	this	DET
fbem-1043	14	6	research	research	NOUN
fbem-1043	14	7	will	will	AUX
fbem-1043	14	8	help	help	VERB
fbem-1043	14	9	all	all	DET
fbem-1043	14	10	key	key	ADJ
fbem-1043	14	11	stakeholders	stakeholder	NOUN
fbem-1043	14	12	—	—	PUNCT
fbem-1043	14	13	businesses	business	NOUN
fbem-1043	14	14	,	,	PUNCT
fbem-1043	14	15	merchants	merchant	NOUN
fbem-1043	14	16	,	,	PUNCT
fbem-1043	14	17	issuers	issuer	NOUN
fbem-1043	14	18	and	and	CCONJ
fbem-1043	14	19	regulators	regulator	NOUN
fbem-1043	14	20	alike	alike	ADV
fbem-1043	14	21	—	—	PUNCT
fbem-1043	14	22	shape	shape	VERB
fbem-1043	14	23	their	their	PRON
fbem-1043	14	24	strategy	strategy	NOUN
fbem-1043	14	25	and	and	CCONJ
fbem-1043	14	26	identify	identify	VERB
fbem-1043	14	27	critical	critical	ADJ
fbem-1043	14	28	technologies	technology	NOUN
fbem-1043	14	29	,	,	PUNCT
fbem-1043	14	30	rules	rule	NOUN
fbem-1043	14	31	and	and	CCONJ
fbem-1043	14	32	regulations	regulation	NOUN
fbem-1043	14	33	to	to	PART
fbem-1043	14	34	best	well	ADV
fbem-1043	14	35	position	position	VERB
fbem-1043	14	36	their	their	PRON
fbem-1043	14	37	organization	organization	NOUN
fbem-1043	14	38	for	for	ADP
fbem-1043	14	39	growth	growth	NOUN
fbem-1043	14	40	and	and	CCONJ
fbem-1043	14	41	support	support	VERB
fbem-1043	14	42	a	a	DET
fbem-1043	14	43	rapid	rapid	ADJ
fbem-1043	14	44	evolution	evolution	NOUN
fbem-1043	14	45	of	of	ADP
fbem-1043	14	46	e	e	NOUN
fbem-1043	14	47	-	-	NOUN
fbem-1043	14	48	payment	payment	NOUN
fbem-1043	14	49	methods	method	NOUN
fbem-1043	14	50	in	in	ADP
fbem-1043	14	51	the	the	DET
fbem-1043	14	52	new	new	ADJ
fbem-1043	14	53	normal	normal	ADJ
fbem-1043	14	54	.	.	PUNCT
fbem-1043	15	1	keywords	keyword	NOUN
fbem-1043	15	2	:	:	PUNCT
fbem-1043	15	3	e	e	X
fbem-1043	15	4	-	-	NOUN
fbem-1043	15	5	payment	payment	NOUN
fbem-1043	15	6	,	,	PUNCT
fbem-1043	15	7	covid-19	covid-19	PROPN
fbem-1043	15	8	,	,	PUNCT
fbem-1043	15	9	consumer	consumer	NOUN
fbem-1043	15	10	,	,	PUNCT
fbem-1043	15	11	trust	trust	NOUN
fbem-1043	15	12	&	&	CCONJ
fbem-1043	15	13	security	security	NOUN
fbem-1043	15	14	,	,	PUNCT
fbem-1043	15	15	user	user	NOUN
fbem-1043	15	16	friendly	friendly	ADJ
fbem-1043	15	17	,	,	PUNCT
fbem-1043	15	18	technology	technology	NOUN
fbem-1043	15	19	,	,	PUNCT
fbem-1043	15	20	sem	sem	NOUN
fbem-1043	15	21	.	.	PROPN
fbem-1043	15	22	1	1	NUM
fbem-1043	15	23	.	.	X
fbem-1043	15	24	introduce	introduce	VERB
fbem-1043	15	25	we	we	PRON
fbem-1043	15	26	frequently	frequently	ADV
fbem-1043	15	27	hear	hear	VERB
fbem-1043	15	28	and	and	CCONJ
fbem-1043	15	29	use	use	VERB
fbem-1043	15	30	the	the	DET
fbem-1043	15	31	phrases	phrase	NOUN
fbem-1043	15	32	“	"	PUNCT
fbem-1043	15	33	e	e	NOUN
fbem-1043	15	34	-	-	NOUN
fbem-1043	15	35	commerce	commerce	NOUN
fbem-1043	15	36	”	"	PUNCT
fbem-1043	15	37	,	,	PUNCT
fbem-1043	15	38	“	"	PUNCT
fbem-1043	15	39	digital	digital	ADJ
fbem-1043	15	40	money	money	NOUN
fbem-1043	15	41	”	"	PUNCT
fbem-1043	15	42	,	,	PUNCT
fbem-1043	15	43	“	"	PUNCT
fbem-1043	15	44	online	online	ADJ
fbem-1043	15	45	banking	banking	NOUN
fbem-1043	15	46	”	"	PUNCT
fbem-1043	15	47	,	,	PUNCT
fbem-1043	15	48	and	and	CCONJ
fbem-1043	15	49	“	"	PUNCT
fbem-1043	15	50	online	online	ADJ
fbem-1043	15	51	transactions	transaction	NOUN
fbem-1043	15	52	”	"	PUNCT
fbem-1043	15	53	in	in	ADP
fbem-1043	15	54	our	our	PRON
fbem-1043	15	55	everyday	everyday	ADJ
fbem-1043	15	56	lives	life	NOUN
fbem-1043	15	57	.	.	PUNCT
fbem-1043	16	1	the	the	DET
fbem-1043	16	2	21st	21st	ADJ
fbem-1043	16	3	century	century	NOUN
fbem-1043	16	4	belongs	belong	VERB
fbem-1043	16	5	to	to	ADP
fbem-1043	16	6	them	they	PRON
fbem-1043	16	7	.	.	PUNCT
fbem-1043	17	1	our	our	PRON
fbem-1043	17	2	everyday	everyday	ADJ
fbem-1043	17	3	lives	life	NOUN
fbem-1043	17	4	and	and	CCONJ
fbem-1043	17	5	business	business	NOUN
fbem-1043	17	6	practices	practice	NOUN
fbem-1043	17	7	have	have	AUX
fbem-1043	17	8	undergone	undergo	VERB
fbem-1043	17	9	radical	radical	ADJ
fbem-1043	17	10	transformation	transformation	NOUN
fbem-1043	17	11	as	as	ADP
fbem-1043	17	12	a	a	DET
fbem-1043	17	13	result	result	NOUN
fbem-1043	17	14	of	of	ADP
fbem-1043	17	15	business	business	NOUN
fbem-1043	17	16	in	in	ADP
fbem-1043	17	17	the	the	DET
fbem-1043	17	18	twenty	twenty	NUM
fbem-1043	17	19	-	-	PUNCT
fbem-1043	17	20	first	first	ADJ
fbem-1043	17	21	century	century	NOUN
fbem-1043	17	22	.	.	PUNCT
fbem-1043	18	1	as	as	SCONJ
fbem-1043	18	2	personal	personal	ADJ
fbem-1043	18	3	computers	computer	NOUN
fbem-1043	18	4	become	become	VERB
fbem-1043	18	5	more	more	ADV
fbem-1043	18	6	affordable	affordable	ADJ
fbem-1043	18	7	and	and	CCONJ
fbem-1043	18	8	powerful	powerful	ADJ
fbem-1043	18	9	and	and	CCONJ
fbem-1043	18	10	as	as	SCONJ
fbem-1043	18	11	communication	communication	NOUN
fbem-1043	18	12	lines	line	NOUN
fbem-1043	18	13	get	get	VERB
fbem-1043	18	14	quicker	quick	ADV
fbem-1043	18	15	and	and	CCONJ
fbem-1043	18	16	more	more	ADV
fbem-1043	18	17	powerful	powerful	ADJ
fbem-1043	18	18	,	,	PUNCT
fbem-1043	18	19	the	the	DET
fbem-1043	18	20	internet	internet	NOUN
fbem-1043	18	21	's	's	PART
fbem-1043	18	22	influence	influence	NOUN
fbem-1043	18	23	continues	continue	VERB
fbem-1043	18	24	to	to	PART
fbem-1043	18	25	grow	grow	VERB
fbem-1043	18	26	and	and	CCONJ
fbem-1043	18	27	helps	help	VERB
fbem-1043	18	28	to	to	PART
fbem-1043	18	29	advance	advance	VERB
fbem-1043	18	30	new	new	ADJ
fbem-1043	18	31	business	business	NOUN
fbem-1043	18	32	practices	practice	NOUN
fbem-1043	18	33	.	.	PUNCT
fbem-1043	19	1	virtually	virtually	ADV
fbem-1043	19	2	every	every	DET
fbem-1043	19	3	practice	practice	NOUN
fbem-1043	19	4	in	in	ADP
fbem-1043	19	5	the	the	DET
fbem-1043	19	6	industrial	industrial	ADJ
fbem-1043	19	7	and	and	CCONJ
fbem-1043	19	8	service	service	NOUN
fbem-1043	19	9	industries	industry	NOUN
fbem-1043	19	10	has	have	AUX
fbem-1043	19	11	been	be	AUX
fbem-1043	19	12	influenced	influence	VERB
fbem-1043	19	13	by	by	ADP
fbem-1043	19	14	online	online	ADJ
fbem-1043	19	15	trade	trade	NOUN
fbem-1043	19	16	.	.	PUNCT
fbem-1043	20	1	the	the	DET
fbem-1043	20	2	commercial	commercial	ADJ
fbem-1043	20	3	landscape	landscape	NOUN
fbem-1043	20	4	has	have	AUX
fbem-1043	20	5	been	be	AUX
fbem-1043	20	6	fundamentally	fundamentally	ADV
fbem-1043	20	7	altered	alter	VERB
fbem-1043	20	8	by	by	ADP
fbem-1043	20	9	e	e	NOUN
fbem-1043	20	10	-	-	NOUN
fbem-1043	20	11	commerce	commerce	NOUN
fbem-1043	20	12	,	,	PUNCT
fbem-1043	20	13	whose	whose	DET
fbem-1043	20	14	scope	scope	NOUN
fbem-1043	20	15	and	and	CCONJ
fbem-1043	20	16	depth	depth	NOUN
fbem-1043	20	17	are	be	AUX
fbem-1043	20	18	continuously	continuously	ADV
fbem-1043	20	19	expanding	expand	VERB
fbem-1043	20	20	each	each	DET
fbem-1043	20	21	year	year	NOUN
fbem-1043	20	22	.	.	PUNCT
fbem-1043	21	1	global	global	ADJ
fbem-1043	21	2	company	company	NOUN
fbem-1043	21	3	is	be	AUX
fbem-1043	21	4	increasingly	increasingly	ADV
fbem-1043	21	5	relying	rely	VERB
fbem-1043	21	6	on	on	ADP
fbem-1043	21	7	online	online	ADJ
fbem-1043	21	8	transactions	transaction	NOUN
fbem-1043	21	9	.	.	PUNCT
fbem-1043	22	1	with	with	ADP
fbem-1043	22	2	the	the	DET
fbem-1043	22	3	growth	growth	NOUN
fbem-1043	22	4	of	of	ADP
fbem-1043	22	5	electronic	electronic	ADJ
fbem-1043	22	6	payments	payment	NOUN
fbem-1043	22	7	.	.	PUNCT
fbem-1043	23	1	the	the	DET
fbem-1043	23	2	majority	majority	NOUN
fbem-1043	23	3	of	of	ADP
fbem-1043	23	4	people	people	NOUN
fbem-1043	23	5	will	will	AUX
fbem-1043	23	6	have	have	VERB
fbem-1043	23	7	easy	easy	ADJ
fbem-1043	23	8	access	access	NOUN
fbem-1043	23	9	to	to	ADP
fbem-1043	23	10	the	the	DET
fbem-1043	23	11	internet	internet	NOUN
fbem-1043	23	12	,	,	PUNCT
fbem-1043	23	13	which	which	PRON
fbem-1043	23	14	will	will	AUX
fbem-1043	23	15	cost	cost	VERB
fbem-1043	23	16	as	as	ADV
fbem-1043	23	17	little	little	ADJ
fbem-1043	23	18	as	as	ADP
fbem-1043	23	19	the	the	DET
fbem-1043	23	20	electricity	electricity	NOUN
fbem-1043	23	21	in	in	ADP
fbem-1043	23	22	their	their	PRON
fbem-1043	23	23	life	life	NOUN
fbem-1043	23	24	,	,	PUNCT
fbem-1043	23	25	and	and	CCONJ
fbem-1043	23	26	accessing	access	VERB
fbem-1043	23	27	it	it	PRON
fbem-1043	23	28	will	will	AUX
fbem-1043	23	29	be	be	AUX
fbem-1043	23	30	uncomplicated	uncomplicated	ADJ
fbem-1043	23	31	in	in	ADP
fbem-1043	23	32	the	the	DET
fbem-1043	23	33	surrounding	surround	VERB
fbem-1043	23	34	information	information	NOUN
fbem-1043	23	35	environment	environment	NOUN
fbem-1043	23	36	.	.	PUNCT
fbem-1043	24	1	e	e	X
fbem-1043	24	2	-	-	NOUN
fbem-1043	24	3	commerce	commerce	NOUN
fbem-1043	24	4	is	be	AUX
fbem-1043	24	5	now	now	ADV
fbem-1043	24	6	experiencing	experience	VERB
fbem-1043	24	7	growth	growth	NOUN
fbem-1043	24	8	,	,	PUNCT
fbem-1043	24	9	but	but	CCONJ
fbem-1043	24	10	because	because	SCONJ
fbem-1043	24	11	there	there	PRON
fbem-1043	24	12	are	be	VERB
fbem-1043	24	13	so	so	ADV
fbem-1043	24	14	many	many	ADJ
fbem-1043	24	15	factors	factor	NOUN
fbem-1043	24	16	to	to	PART
fbem-1043	24	17	take	take	VERB
fbem-1043	24	18	into	into	ADP
fbem-1043	24	19	account	account	NOUN
fbem-1043	24	20	,	,	PUNCT
fbem-1043	24	21	it	it	PRON
fbem-1043	24	22	is	be	AUX
fbem-1043	24	23	hard	hard	ADJ
fbem-1043	24	24	to	to	PART
fbem-1043	24	25	anticipate	anticipate	VERB
fbem-1043	24	26	how	how	SCONJ
fbem-1043	24	27	it	it	PRON
fbem-1043	24	28	will	will	AUX
fbem-1043	24	29	evolve	evolve	VERB
fbem-1043	24	30	.	.	PUNCT
fbem-1043	25	1	mobile	mobile	ADJ
fbem-1043	25	2	phones	phone	NOUN
fbem-1043	25	3	are	be	AUX
fbem-1043	25	4	now	now	ADV
fbem-1043	25	5	often	often	ADV
fbem-1043	25	6	used	use	VERB
fbem-1043	25	7	to	to	PART
fbem-1043	25	8	improve	improve	VERB
fbem-1043	25	9	communication	communication	NOUN
fbem-1043	25	10	.	.	PUNCT
fbem-1043	26	1	approximately	approximately	ADV
fbem-1043	26	2	6	6	NUM
fbem-1043	26	3	billion	billion	NUM
fbem-1043	26	4	mobile	mobile	ADJ
fbem-1043	26	5	devices	device	NOUN
fbem-1043	26	6	are	be	AUX
fbem-1043	26	7	being	be	AUX
fbem-1043	26	8	utilized	utilize	VERB
fbem-1043	26	9	globally	globally	ADV
fbem-1043	26	10	right	right	ADV
fbem-1043	26	11	now	now	ADV
fbem-1043	26	12	.	.	PUNCT
fbem-1043	27	1	the	the	DET
fbem-1043	27	2	accelerated	accelerate	VERB
fbem-1043	27	3	advancement	advancement	NOUN
fbem-1043	27	4	of	of	ADP
fbem-1043	27	5	portable	portable	ADJ
fbem-1043	27	6	and	and	CCONJ
fbem-1043	27	7	mobile	mobile	ADJ
fbem-1043	27	8	technology	technology	NOUN
fbem-1043	27	9	has	have	AUX
fbem-1043	27	10	made	make	VERB
fbem-1043	27	11	it	it	PRON
fbem-1043	27	12	possible	possible	ADJ
fbem-1043	27	13	to	to	PART
fbem-1043	27	14	utilize	utilize	VERB
fbem-1043	27	15	these	these	DET
fbem-1043	27	16	devices	device	NOUN
fbem-1043	27	17	for	for	ADP
fbem-1043	27	18	purposes	purpose	NOUN
fbem-1043	27	19	other	other	ADJ
fbem-1043	27	20	than	than	ADP
fbem-1043	27	21	instant	instant	ADJ
fbem-1043	27	22	messaging	messaging	NOUN
fbem-1043	27	23	,	,	PUNCT
fbem-1043	27	24	which	which	PRON
fbem-1043	27	25	was	be	AUX
fbem-1043	27	26	their	their	PRON
fbem-1043	27	27	primary	primary	ADJ
fbem-1043	27	28	intended	intend	VERB
fbem-1043	27	29	function	function	NOUN
fbem-1043	27	30	.	.	PUNCT
fbem-1043	28	1	with	with	ADP
fbem-1043	28	2	the	the	DET
fbem-1043	28	3	ability	ability	NOUN
fbem-1043	28	4	to	to	PART
fbem-1043	28	5	purchase	purchase	VERB
fbem-1043	28	6	goods	good	NOUN
fbem-1043	28	7	and	and	CCONJ
fbem-1043	28	8	make	make	VERB
fbem-1043	28	9	payments	payment	NOUN
fbem-1043	28	10	via	via	ADP
fbem-1043	28	11	mobile	mobile	ADJ
fbem-1043	28	12	devices	device	NOUN
fbem-1043	28	13	,	,	PUNCT
fbem-1043	28	14	mobile	mobile	ADJ
fbem-1043	28	15	commerce	commerce	NOUN
fbem-1043	28	16	has	have	AUX
fbem-1043	28	17	grown	grow	VERB
fbem-1043	28	18	to	to	PART
fbem-1043	28	19	be	be	AUX
fbem-1043	28	20	a	a	DET
fbem-1043	28	21	significant	significant	ADJ
fbem-1043	28	22	channel	channel	NOUN
fbem-1043	28	23	in	in	ADP
fbem-1043	28	24	today	today	NOUN
fbem-1043	28	25	's	's	PART
fbem-1043	28	26	wireless	wireless	ADJ
fbem-1043	28	27	culture	culture	NOUN
fbem-1043	28	28	.	.	PUNCT
fbem-1043	29	1	mobile	mobile	ADJ
fbem-1043	29	2	commerce	commerce	PROPN
fbem-1043	29	3	is	be	AUX
fbem-1043	29	4	primarily	primarily	ADV
fbem-1043	29	5	propelled	propel	VERB
fbem-1043	29	6	by	by	ADP
fbem-1043	29	7	the	the	DET
fbem-1043	29	8	introduction	introduction	NOUN
fbem-1043	29	9	of	of	ADP
fbem-1043	29	10	epayment	epayment	NOUN
fbem-1043	29	11	as	as	ADP
fbem-1043	29	12	a	a	DET
fbem-1043	29	13	service	service	NOUN
fbem-1043	29	14	.	.	PUNCT
fbem-1043	30	1	the	the	DET
fbem-1043	30	2	amount	amount	NOUN
fbem-1043	30	3	of	of	ADP
fbem-1043	30	4	e	e	NOUN
fbem-1043	30	5	-	-	NOUN
fbem-1043	30	6	payment	payment	NOUN
fbem-1043	30	7	activity	activity	NOUN
fbem-1043	30	8	is	be	AUX
fbem-1043	30	9	rising	rise	VERB
fbem-1043	30	10	.	.	PUNCT
fbem-1043	31	1	the	the	DET
fbem-1043	31	2	advantages	advantage	NOUN
fbem-1043	31	3	of	of	ADP
fbem-1043	31	4	e	e	NOUN
fbem-1043	31	5	-	-	NOUN
fbem-1043	31	6	payment	payment	NOUN
fbem-1043	31	7	are	be	AUX
fbem-1043	31	8	comparable	comparable	ADJ
fbem-1043	31	9	to	to	ADP
fbem-1043	31	10	those	those	PRON
fbem-1043	31	11	of	of	ADP
fbem-1043	31	12	traditional	traditional	ADJ
fbem-1043	31	13	payment	payment	NOUN
fbem-1043	31	14	systems	system	NOUN
fbem-1043	31	15	.	.	PUNCT
fbem-1043	32	1	therefore	therefore	ADV
fbem-1043	32	2	,	,	PUNCT
fbem-1043	32	3	by	by	ADP
fbem-1043	32	4	2019	2019	NUM
fbem-1043	32	5	,	,	PUNCT
fbem-1043	32	6	it	it	PRON
fbem-1043	32	7	is	be	AUX
fbem-1043	32	8	anticipated	anticipate	VERB
fbem-1043	32	9	that	that	SCONJ
fbem-1043	32	10	$	$	SYM
fbem-1043	32	11	690	690	NUM
fbem-1043	32	12	billion	billion	NUM
fbem-1043	32	13	would	would	AUX
fbem-1043	32	14	be	be	AUX
fbem-1043	32	15	transacted	transact	VERB
fbem-1043	32	16	globally	globally	ADV
fbem-1043	32	17	using	use	VERB
fbem-1043	32	18	mobile	mobile	ADJ
fbem-1043	32	19	devices	device	NOUN
fbem-1043	32	20	,	,	PUNCT
fbem-1043	32	21	benefiting	benefit	VERB
fbem-1043	32	22	both	both	DET
fbem-1043	32	23	customers	customer	NOUN
fbem-1043	32	24	and	and	CCONJ
fbem-1043	32	25	society	society	NOUN
fbem-1043	32	26	.	.	PUNCT
fbem-1043	33	1	the	the	DET
fbem-1043	33	2	offering	offering	NOUN
fbem-1043	33	3	of	of	ADP
fbem-1043	33	4	entity	entity	NOUN
fbem-1043	33	5	-	-	PUNCT
fbem-1043	33	6	related	relate	VERB
fbem-1043	33	7	mobile	mobile	ADJ
fbem-1043	33	8	payment	payment	NOUN
fbem-1043	33	9	services	service	NOUN
fbem-1043	33	10	will	will	AUX
fbem-1043	33	11	increase	increase	VERB
fbem-1043	33	12	with	with	ADP
fbem-1043	33	13	this	this	DET
fbem-1043	33	14	anticipated	anticipate	VERB
fbem-1043	33	15	expansion	expansion	NOUN
fbem-1043	33	16	.	.	PUNCT
fbem-1043	34	1	for	for	ADP
fbem-1043	34	2	instance	instance	NOUN
fbem-1043	34	3	,	,	PUNCT
fbem-1043	34	4	in	in	ADP
fbem-1043	34	5	order	order	NOUN
fbem-1043	34	6	to	to	PART
fbem-1043	34	7	satisfy	satisfy	VERB
fbem-1043	34	8	customer	customer	NOUN
fbem-1043	34	9	demands	demand	NOUN
fbem-1043	34	10	,	,	PUNCT
fbem-1043	34	11	telecommunications	telecommunication	NOUN
fbem-1043	34	12	firms	firm	NOUN
fbem-1043	34	13	,	,	PUNCT
fbem-1043	34	14	banks	bank	NOUN
fbem-1043	34	15	,	,	PUNCT
fbem-1043	34	16	and	and	CCONJ
fbem-1043	34	17	payment	payment	NOUN
fbem-1043	34	18	service	service	NOUN
fbem-1043	34	19	providers	provider	NOUN
fbem-1043	34	20	must	must	AUX
fbem-1043	34	21	be	be	AUX
fbem-1043	34	22	aware	aware	ADJ
fbem-1043	34	23	of	of	ADP
fbem-1043	34	24	the	the	DET
fbem-1043	34	25	factors	factor	NOUN
fbem-1043	34	26	supporting	support	VERB
fbem-1043	34	27	consumer	consumer	NOUN
fbem-1043	34	28	adoption	adoption	NOUN
fbem-1043	34	29	decisions	decision	NOUN
fbem-1043	34	30	.	.	PUNCT
fbem-1043	35	1	the	the	DET
fbem-1043	35	2	e	e	NOUN
fbem-1043	35	3	-	-	ADJ
fbem-1043	35	4	payment	payment	NOUN
fbem-1043	35	5	system	system	NOUN
fbem-1043	35	6	has	have	AUX
fbem-1043	35	7	become	become	VERB
fbem-1043	35	8	more	more	ADV
fbem-1043	35	9	widely	widely	ADV
fbem-1043	35	10	recognized	recognize	VERB
fbem-1043	35	11	,	,	PUNCT
fbem-1043	35	12	although	although	SCONJ
fbem-1043	35	13	not	not	PART
fbem-1043	35	14	all	all	DET
fbem-1043	35	15	nations	nation	NOUN
fbem-1043	35	16	have	have	AUX
fbem-1043	35	17	fully	fully	ADV
fbem-1043	35	18	adopted	adopt	VERB
fbem-1043	35	19	and	and	CCONJ
fbem-1043	35	20	utilised	utilise	VERB
fbem-1043	35	21	it	it	PRON
fbem-1043	35	22	.	.	PUNCT
fbem-1043	36	1	given	give	VERB
fbem-1043	36	2	that	that	SCONJ
fbem-1043	36	3	thailand	thailand	PROPN
fbem-1043	36	4	is	be	AUX
fbem-1043	36	5	a	a	DET
fbem-1043	36	6	well	well	ADV
fbem-1043	36	7	-	-	PUNCT
fbem-1043	36	8	liked	like	VERB
fbem-1043	36	9	tourism	tourism	NOUN
fbem-1043	36	10	destination	destination	NOUN
fbem-1043	36	11	,	,	PUNCT
fbem-1043	36	12	it	it	PRON
fbem-1043	36	13	is	be	AUX
fbem-1043	36	14	important	important	ADJ
fbem-1043	36	15	to	to	PART
fbem-1043	36	16	investigate	investigate	VERB
fbem-1043	36	17	the	the	DET
fbem-1043	36	18	primary	primary	ADJ
fbem-1043	36	19	variables	variable	NOUN
fbem-1043	36	20	influencing	influence	VERB
fbem-1043	36	21	international	international	ADJ
fbem-1043	36	22	clients	client	NOUN
fbem-1043	36	23	to	to	PART
fbem-1043	36	24	accept	accept	VERB
fbem-1043	36	25	electronic	electronic	ADJ
fbem-1043	36	26	payment	payment	NOUN
fbem-1043	36	27	.	.	PUNCT
fbem-1043	37	1	a	a	DET
fbem-1043	37	2	significant	significant	ADJ
fbem-1043	37	3	majority	majority	NOUN
fbem-1043	37	4	of	of	ADP
fbem-1043	37	5	international	international	ADJ
fbem-1043	37	6	travelers	traveler	NOUN
fbem-1043	37	7	to	to	ADP
fbem-1043	37	8	thailand	thailand	PROPN
fbem-1043	37	9	are	be	AUX
fbem-1043	37	10	chinese	chinese	ADJ
fbem-1043	37	11	citizens	citizen	NOUN
fbem-1043	37	12	.	.	PUNCT
fbem-1043	38	1	therefore	therefore	ADV
fbem-1043	38	2	,	,	PUNCT
fbem-1043	38	3	this	this	DET
fbem-1043	38	4	study	study	NOUN
fbem-1043	38	5	focuses	focus	VERB
fbem-1043	38	6	on	on	ADP
fbem-1043	38	7	the	the	DET
fbem-1043	38	8	variables	variable	NOUN
fbem-1043	38	9	that	that	PRON
fbem-1043	38	10	impact	impact	VERB
fbem-1043	38	11	chinese	chinese	ADJ
fbem-1043	38	12	customers	customer	NOUN
fbem-1043	38	13	'	'	PART
fbem-1043	38	14	desire	desire	NOUN
fbem-1043	38	15	to	to	PART
fbem-1043	38	16	use	use	VERB
fbem-1043	38	17	epayment	epayment	NOUN
fbem-1043	38	18	in	in	ADP
fbem-1043	38	19	thailand	thailand	PROPN
fbem-1043	38	20	in	in	ADP
fbem-1043	38	21	order	order	NOUN
fbem-1043	38	22	to	to	PART
fbem-1043	38	23	encourage	encourage	VERB
fbem-1043	38	24	the	the	DET
fbem-1043	38	25	use	use	NOUN
fbem-1043	38	26	of	of	ADP
fbem-1043	38	27	epayment	epayment	NOUN
fbem-1043	38	28	systems	system	NOUN
fbem-1043	38	29	.	.	PUNCT
fbem-1043	39	1	in	in	ADP
fbem-1043	39	2	order	order	NOUN
fbem-1043	39	3	to	to	PART
fbem-1043	39	4	develop	develop	VERB
fbem-1043	39	5	methods	method	NOUN
fbem-1043	39	6	to	to	PART
fbem-1043	39	7	encourage	encourage	VERB
fbem-1043	39	8	chinese	chinese	ADJ
fbem-1043	39	9	customers	customer	NOUN
fbem-1043	39	10	to	to	PART
fbem-1043	39	11	utilize	utilize	VERB
fbem-1043	39	12	e	e	NOUN
fbem-1043	39	13	-	-	NOUN
fbem-1043	39	14	payment	payment	NOUN
fbem-1043	39	15	in	in	ADP
fbem-1043	39	16	thailand	thailand	PROPN
fbem-1043	39	17	,	,	PUNCT
fbem-1043	39	18	this	this	DET
fbem-1043	39	19	article	article	NOUN
fbem-1043	39	20	will	will	AUX
fbem-1043	39	21	provide	provide	VERB
fbem-1043	39	22	an	an	DET
fbem-1043	39	23	overview	overview	NOUN
fbem-1043	39	24	of	of	ADP
fbem-1043	39	25	the	the	DET
fbem-1043	39	26	significant	significant	ADJ
fbem-1043	39	27	elements	element	NOUN
fbem-1043	39	28	that	that	PRON
fbem-1043	39	29	influence	influence	VERB
fbem-1043	39	30	chinese	chinese	ADJ
fbem-1043	39	31	consumers	consumer	NOUN
fbem-1043	39	32	’	’	PART
fbem-1043	39	33	propensity	propensity	NOUN
fbem-1043	39	34	to	to	PART
fbem-1043	39	35	do	do	AUX
fbem-1043	39	36	so	so	ADV
fbem-1043	39	37	.	.	PUNCT
fbem-1043	40	1	this	this	DET
fbem-1043	40	2	article	article	NOUN
fbem-1043	40	3	can	can	AUX
fbem-1043	40	4	also	also	ADV
fbem-1043	40	5	assist	assist	VERB
fbem-1043	40	6	thai	thai	PROPN
fbem-1043	40	7	software	software	PROPN
fbem-1043	40	8	development	development	NOUN
fbem-1043	40	9	firms	firm	NOUN
fbem-1043	40	10	,	,	PUNCT
fbem-1043	40	11	2	2	NUM
fbem-1043	40	12	organizations	organization	NOUN
fbem-1043	40	13	that	that	PRON
fbem-1043	40	14	offer	offer	VERB
fbem-1043	40	15	electronic	electronic	ADJ
fbem-1043	40	16	trading	trading	NOUN
fbem-1043	40	17	facilities	facility	NOUN
fbem-1043	40	18	,	,	PUNCT
fbem-1043	40	19	and	and	CCONJ
fbem-1043	40	20	financial	financial	ADJ
fbem-1043	40	21	institutions	institution	NOUN
fbem-1043	40	22	in	in	ADP
fbem-1043	40	23	examining	examine	VERB
fbem-1043	40	24	the	the	DET
fbem-1043	40	25	issues	issue	NOUN
fbem-1043	40	26	and	and	CCONJ
fbem-1043	40	27	worries	worry	VERB
fbem-1043	40	28	that	that	SCONJ
fbem-1043	40	29	chinese	chinese	ADJ
fbem-1043	40	30	clients	client	NOUN
fbem-1043	40	31	have	have	VERB
fbem-1043	40	32	while	while	SCONJ
fbem-1043	40	33	using	use	VERB
fbem-1043	40	34	electronic	electronic	ADJ
fbem-1043	40	35	payment	payment	NOUN
fbem-1043	40	36	.	.	PUNCT
fbem-1043	41	1	as	as	ADP
fbem-1043	41	2	a	a	DET
fbem-1043	41	3	result	result	NOUN
fbem-1043	41	4	,	,	PUNCT
fbem-1043	41	5	this	this	DET
fbem-1043	41	6	paper	paper	NOUN
fbem-1043	41	7	offers	offer	VERB
fbem-1043	41	8	useful	useful	ADJ
fbem-1043	41	9	insights	insight	NOUN
fbem-1043	41	10	that	that	PRON
fbem-1043	41	11	will	will	AUX
fbem-1043	41	12	increase	increase	VERB
fbem-1043	41	13	the	the	DET
fbem-1043	41	14	usage	usage	NOUN
fbem-1043	41	15	and	and	CCONJ
fbem-1043	41	16	acceptance	acceptance	NOUN
fbem-1043	41	17	of	of	ADP
fbem-1043	41	18	electronic	electronic	ADJ
fbem-1043	41	19	payment	payment	NOUN
fbem-1043	41	20	and	and	CCONJ
fbem-1043	41	21	,	,	PUNCT
fbem-1043	41	22	in	in	ADP
fbem-1043	41	23	the	the	DET
fbem-1043	41	24	end	end	NOUN
fbem-1043	41	25	,	,	PUNCT
fbem-1043	41	26	turn	turn	VERB
fbem-1043	41	27	it	it	PRON
fbem-1043	41	28	into	into	ADP
fbem-1043	41	29	the	the	DET
fbem-1043	41	30	preferred	preferred	ADJ
fbem-1043	41	31	platform	platform	NOUN
fbem-1043	41	32	for	for	ADP
fbem-1043	41	33	electronic	electronic	ADJ
fbem-1043	41	34	transactions	transaction	NOUN
fbem-1043	41	35	in	in	ADP
fbem-1043	41	36	thailand	thailand	PROPN
fbem-1043	41	37	.	.	PUNCT
fbem-1043	42	1	2	2	X
fbem-1043	42	2	.	.	X
fbem-1043	42	3	literature	literature	PROPN
fbem-1043	42	4	review	review	PROPN
fbem-1043	42	5	,	,	PUNCT
fbem-1043	42	6	theoretical	theoretical	ADJ
fbem-1043	42	7	background	background	NOUN
fbem-1043	42	8	&	&	CCONJ
fbem-1043	42	9	hypothesis	hypothesis	NOUN
fbem-1043	42	10	development	development	NOUN
fbem-1043	42	11	2.1	2.1	NUM
fbem-1043	42	12	.	.	PUNCT
fbem-1043	43	1	literature	literature	PROPN
fbem-1043	43	2	review	review	PROPN
fbem-1043	43	3	2.1.1	2.1.1	NUM
fbem-1043	43	4	.	.	PUNCT
fbem-1043	44	1	research	research	NOUN
fbem-1043	44	2	on	on	ADP
fbem-1043	44	3	e	e	NOUN
fbem-1043	44	4	-	-	NOUN
fbem-1043	44	5	payment	payment	ADJ
fbem-1043	44	6	e	e	NOUN
fbem-1043	44	7	-	-	NOUN
fbem-1043	44	8	commerce	commerce	NOUN
fbem-1043	44	9	nowadays	nowadays	ADV
fbem-1043	44	10	plays	play	VERB
fbem-1043	44	11	a	a	DET
fbem-1043	44	12	growingly	growingly	ADV
fbem-1043	44	13	vital	vital	ADJ
fbem-1043	44	14	role	role	NOUN
fbem-1043	44	15	in	in	ADP
fbem-1043	44	16	individuals	individual	NOUN
fbem-1043	44	17	’	'	PUNCT
fbem-1043	44	18	life	life	NOUN
fbem-1043	44	19	.	.	PUNCT
fbem-1043	45	1	to	to	PART
fbem-1043	45	2	provide	provide	VERB
fbem-1043	45	3	rapid	rapid	ADJ
fbem-1043	45	4	service	service	NOUN
fbem-1043	45	5	and	and	CCONJ
fbem-1043	45	6	convenience	convenience	NOUN
fbem-1043	45	7	with	with	ADP
fbem-1043	45	8	customers	customer	NOUN
fbem-1043	45	9	,	,	PUNCT
fbem-1043	45	10	business	business	NOUN
fbem-1043	45	11	growingly	growingly	ADV
fbem-1043	45	12	use	use	VERB
fbem-1043	45	13	electronic	electronic	ADJ
fbem-1043	45	14	payment	payment	NOUN
fbem-1043	45	15	(	(	PUNCT
fbem-1043	45	16	e	e	NOUN
fbem-1043	45	17	-	-	NOUN
fbem-1043	45	18	payment	payment	NOUN
fbem-1043	45	19	)	)	PUNCT
fbem-1043	45	20	.	.	PUNCT
fbem-1043	46	1	according	accord	VERB
fbem-1043	46	2	to	to	ADP
fbem-1043	46	3	lai	lai	PROPN
fbem-1043	46	4	et	et	PROPN
fbem-1043	46	5	al	al	PROPN
fbem-1043	46	6	(	(	PUNCT
fbem-1043	46	7	2020	2020	NUM
fbem-1043	46	8	)	)	PUNCT
fbem-1043	46	9	,	,	PUNCT
fbem-1043	46	10	it	it	PRON
fbem-1043	46	11	is	be	AUX
fbem-1043	46	12	presented	present	VERB
fbem-1043	46	13	that	that	SCONJ
fbem-1043	46	14	e	e	NOUN
fbem-1043	46	15	-	-	NOUN
fbem-1043	46	16	payment	payment	NOUN
fbem-1043	46	17	achieves	achieve	VERB
fbem-1043	46	18	income	income	NOUN
fbem-1043	46	19	approximate	approximate	ADJ
fbem-1043	46	20	296	296	NUM
fbem-1043	46	21	billion	billion	NUM
fbem-1043	46	22	usd	usd	NOUN
fbem-1043	46	23	between	between	ADP
fbem-1043	46	24	2011	2011	NUM
fbem-1043	46	25	and	and	CCONJ
fbem-1043	46	26	2015	2015	NUM
fbem-1043	46	27	.	.	PUNCT
fbem-1043	47	1	furthermore	furthermore	ADV
fbem-1043	47	2	,	,	PUNCT
fbem-1043	47	3	according	accord	VERB
fbem-1043	47	4	to	to	ADP
fbem-1043	47	5	ladkoom	ladkoom	NOUN
fbem-1043	47	6	and	and	CCONJ
fbem-1043	47	7	thanasopon	thanasopon	ADV
fbem-1043	47	8	(	(	PUNCT
fbem-1043	47	9	2020	2020	NUM
fbem-1043	47	10	)	)	PUNCT
fbem-1043	47	11	,	,	PUNCT
fbem-1043	47	12	since	since	SCONJ
fbem-1043	47	13	2015	2015	NUM
fbem-1043	47	14	,	,	PUNCT
fbem-1043	47	15	the	the	DET
fbem-1043	47	16	thailand	thailand	PROPN
fbem-1043	47	17	government	government	NOUN
fbem-1043	47	18	has	have	AUX
fbem-1043	47	19	made	make	VERB
fbem-1043	47	20	attempts	attempt	NOUN
fbem-1043	47	21	to	to	PART
fbem-1043	47	22	motivate	motivate	VERB
fbem-1043	47	23	both	both	DET
fbem-1043	47	24	thai	thai	ADJ
fbem-1043	47	25	people	people	NOUN
fbem-1043	47	26	and	and	CCONJ
fbem-1043	47	27	foreign	foreign	ADJ
fbem-1043	47	28	visitors	visitor	NOUN
fbem-1043	47	29	to	to	PART
fbem-1043	47	30	use	use	VERB
fbem-1043	47	31	a	a	DET
fbem-1043	47	32	e	e	NOUN
fbem-1043	47	33	-	-	ADJ
fbem-1043	47	34	payment	payment	NOUN
fbem-1043	47	35	system	system	NOUN
fbem-1043	47	36	named	name	VERB
fbem-1043	47	37	as	as	ADP
fbem-1043	47	38	“	"	PUNCT
fbem-1043	47	39	promptpay	promptpay	NOUN
fbem-1043	47	40	”	"	PUNCT
fbem-1043	47	41	that	that	PRON
fbem-1043	47	42	plays	play	VERB
fbem-1043	47	43	a	a	DET
fbem-1043	47	44	significant	significant	ADJ
fbem-1043	47	45	role	role	NOUN
fbem-1043	47	46	in	in	ADP
fbem-1043	47	47	the	the	DET
fbem-1043	47	48	thailand	thailand	PROPN
fbem-1043	47	49	government	government	NOUN
fbem-1043	47	50	’s	’s	PART
fbem-1043	47	51	tactic	tactic	NOUN
fbem-1043	47	52	to	to	PART
fbem-1043	47	53	adopt	adopt	VERB
fbem-1043	47	54	technology	technology	NOUN
fbem-1043	47	55	,	,	PUNCT
fbem-1043	47	56	thus	thus	ADV
fbem-1043	47	57	stimulating	stimulate	VERB
fbem-1043	47	58	the	the	DET
fbem-1043	47	59	economy	economy	NOUN
fbem-1043	47	60	(	(	PUNCT
fbem-1043	47	61	embalzado	embalzado	VERB
fbem-1043	47	62	et	et	PROPN
fbem-1043	47	63	al	al	PROPN
fbem-1043	47	64	.	.	PROPN
fbem-1043	47	65	2019	2019	NUM
fbem-1043	47	66	)	)	PUNCT
fbem-1043	47	67	.	.	PUNCT
fbem-1043	48	1	specifically	specifically	ADV
fbem-1043	48	2	,	,	PUNCT
fbem-1043	48	3	promptpay	promptpay	NOUN
fbem-1043	48	4	is	be	AUX
fbem-1043	48	5	a	a	DET
fbem-1043	48	6	epayment	epayment	ADJ
fbem-1043	48	7	system	system	NOUN
fbem-1043	48	8	which	which	PRON
fbem-1043	48	9	is	be	AUX
fbem-1043	48	10	registered	register	VERB
fbem-1043	48	11	by	by	ADP
fbem-1043	48	12	thai	thai	ADJ
fbem-1043	48	13	mobile	mobile	ADJ
fbem-1043	48	14	number	number	NOUN
fbem-1043	48	15	or	or	CCONJ
fbem-1043	48	16	identification	identification	NOUN
fbem-1043	48	17	number	number	NOUN
fbem-1043	48	18	to	to	PART
fbem-1043	48	19	link	link	VERB
fbem-1043	48	20	with	with	ADP
fbem-1043	48	21	the	the	DET
fbem-1043	48	22	bank	bank	NOUN
fbem-1043	48	23	account	account	NOUN
fbem-1043	48	24	.	.	PUNCT
fbem-1043	49	1	e	e	X
fbem-1043	49	2	-	-	NOUN
fbem-1043	49	3	payment	payment	NOUN
fbem-1043	49	4	has	have	AUX
fbem-1043	49	5	become	become	VERB
fbem-1043	49	6	growlingly	growlingly	ADV
fbem-1043	49	7	popular	popular	ADJ
fbem-1043	49	8	to	to	PART
fbem-1043	49	9	afford	afford	VERB
fbem-1043	49	10	online	online	ADJ
fbem-1043	49	11	transactions	transaction	NOUN
fbem-1043	49	12	.	.	PUNCT
fbem-1043	50	1	the	the	DET
fbem-1043	50	2	internet	internet	NOUN
fbem-1043	50	3	development	development	NOUN
fbem-1043	50	4	has	have	AUX
fbem-1043	50	5	contributed	contribute	VERB
fbem-1043	50	6	to	to	ADP
fbem-1043	50	7	the	the	DET
fbem-1043	50	8	popularity	popularity	NOUN
fbem-1043	50	9	of	of	ADP
fbem-1043	50	10	e	e	NOUN
fbem-1043	50	11	-	-	NOUN
fbem-1043	50	12	payment	payment	NOUN
fbem-1043	50	13	since	since	SCONJ
fbem-1043	50	14	electronic	electronic	ADJ
fbem-1043	50	15	commerce	commerce	NOUN
fbem-1043	50	16	(	(	PUNCT
fbem-1043	50	17	ecommerce	ecommerce	NOUN
fbem-1043	50	18	)	)	PUNCT
fbem-1043	50	19	promotes	promote	VERB
fbem-1043	50	20	the	the	DET
fbem-1043	50	21	new	new	ADJ
fbem-1043	50	22	financial	financial	ADJ
fbem-1043	50	23	demands	demand	NOUN
fbem-1043	50	24	which	which	PRON
fbem-1043	50	25	can	can	AUX
fbem-1043	50	26	not	not	PART
fbem-1043	50	27	be	be	AUX
fbem-1043	50	28	addressed	address	VERB
fbem-1043	50	29	via	via	ADP
fbem-1043	50	30	previous	previous	ADJ
fbem-1043	50	31	payment	payment	NOUN
fbem-1043	50	32	systems	system	NOUN
fbem-1043	50	33	.	.	PUNCT
fbem-1043	51	1	prior	prior	ADJ
fbem-1043	51	2	researches	research	NOUN
fbem-1043	51	3	(	(	PUNCT
fbem-1043	51	4	i.e.	i.e.	X
fbem-1043	51	5	amoroso	amoroso	X
fbem-1043	51	6	and	and	CCONJ
fbem-1043	51	7	magnier	magnier	NOUN
fbem-1043	51	8	-	-	PUNCT
fbem-1043	51	9	watanabe	watanabe	PROPN
fbem-1043	51	10	,	,	PUNCT
fbem-1043	51	11	2012	2012	NUM
fbem-1043	51	12	)	)	PUNCT
fbem-1043	51	13	have	have	AUX
fbem-1043	51	14	individually	individually	ADV
fbem-1043	51	15	and	and	CCONJ
fbem-1043	51	16	separately	separately	ADV
fbem-1043	51	17	explored	explore	VERB
fbem-1043	51	18	e	e	NOUN
fbem-1043	51	19	-	-	NOUN
fbem-1043	51	20	payments	payment	NOUN
fbem-1043	51	21	such	such	ADJ
fbem-1043	51	22	as	as	ADP
fbem-1043	51	23	mobile	mobile	ADJ
fbem-1043	51	24	banking	banking	NOUN
fbem-1043	51	25	mobile	mobile	ADJ
fbem-1043	51	26	payment	payment	NOUN
fbem-1043	51	27	,	,	PUNCT
fbem-1043	51	28	mobile	mobile	ADJ
fbem-1043	51	29	e	e	NOUN
fbem-1043	51	30	-	-	NOUN
fbem-1043	51	31	wallet	wallet	NOUN
fbem-1043	51	32	,	,	PUNCT
fbem-1043	51	33	internet	internet	NOUN
fbem-1043	51	34	banking	banking	NOUN
fbem-1043	51	35	,	,	PUNCT
fbem-1043	51	36	smart	smart	ADJ
fbem-1043	51	37	cards	card	NOUN
fbem-1043	51	38	and	and	CCONJ
fbem-1043	51	39	payment	payment	NOUN
fbem-1043	51	40	cards	card	NOUN
fbem-1043	51	41	.	.	PUNCT
fbem-1043	52	1	marimuthu	marimuthu	NOUN
fbem-1043	52	2	et	et	PROPN
fbem-1043	52	3	al	al	PROPN
fbem-1043	52	4	(	(	PUNCT
fbem-1043	52	5	2011	2011	NUM
fbem-1043	52	6	)	)	PUNCT
fbem-1043	52	7	report	report	NOUN
fbem-1043	52	8	that	that	SCONJ
fbem-1043	52	9	customers	customer	NOUN
fbem-1043	52	10	are	be	AUX
fbem-1043	52	11	not	not	PART
fbem-1043	52	12	satisfied	satisfied	ADJ
fbem-1043	52	13	with	with	ADP
fbem-1043	52	14	present	present	ADJ
fbem-1043	52	15	payment	payment	NOUN
fbem-1043	52	16	technology	technology	NOUN
fbem-1043	52	17	such	such	ADJ
fbem-1043	52	18	as	as	ADP
fbem-1043	52	19	security	security	NOUN
fbem-1043	52	20	and	and	CCONJ
fbem-1043	52	21	design	design	NOUN
fbem-1043	52	22	.	.	PUNCT
fbem-1043	53	1	actually	actually	ADV
fbem-1043	53	2	,	,	PUNCT
fbem-1043	53	3	there	there	PRON
fbem-1043	53	4	is	be	VERB
fbem-1043	53	5	a	a	DET
fbem-1043	53	6	growing	grow	VERB
fbem-1043	53	7	interest	interest	NOUN
fbem-1043	53	8	to	to	PART
fbem-1043	53	9	explore	explore	VERB
fbem-1043	53	10	the	the	DET
fbem-1043	53	11	issues	issue	NOUN
fbem-1043	53	12	of	of	ADP
fbem-1043	53	13	e	e	NOUN
fbem-1043	53	14	-	-	NOUN
fbem-1043	53	15	payment	payment	NOUN
fbem-1043	53	16	(	(	PUNCT
fbem-1043	53	17	i.e.	i.e.	X
fbem-1043	53	18	payment	payment	NOUN
fbem-1043	53	19	risk	risk	NOUN
fbem-1043	53	20	,	,	PUNCT
fbem-1043	53	21	unattractive	unattractive	ADJ
fbem-1043	53	22	design	design	NOUN
fbem-1043	53	23	and	and	CCONJ
fbem-1043	53	24	inconvenience	inconvenience	NOUN
fbem-1043	53	25	)	)	PUNCT
fbem-1043	53	26	and	and	CCONJ
fbem-1043	53	27	offer	offer	VERB
fbem-1043	53	28	technology	technology	NOUN
fbem-1043	53	29	solutions	solution	NOUN
fbem-1043	53	30	to	to	PART
fbem-1043	53	31	ensure	ensure	VERB
fbem-1043	53	32	e	e	NOUN
fbem-1043	53	33	-	-	ADJ
fbem-1043	53	34	payment	payment	ADJ
fbem-1043	53	35	security	security	NOUN
fbem-1043	53	36	,	,	PUNCT
fbem-1043	53	37	which	which	PRON
fbem-1043	53	38	can	can	AUX
fbem-1043	53	39	effectively	effectively	ADV
fbem-1043	53	40	improve	improve	VERB
fbem-1043	53	41	customers	customer	NOUN
fbem-1043	53	42	’	'	PUNCT
fbem-1043	53	43	desires	desire	NOUN
fbem-1043	53	44	to	to	PART
fbem-1043	53	45	adopt	adopt	VERB
fbem-1043	53	46	epayment	epayment	NOUN
fbem-1043	53	47	systems	system	NOUN
fbem-1043	53	48	.	.	PUNCT
fbem-1043	54	1	exploring	explore	VERB
fbem-1043	54	2	and	and	CCONJ
fbem-1043	54	3	meeting	meeting	NOUN
fbem-1043	54	4	requirements	requirement	NOUN
fbem-1043	54	5	and	and	CCONJ
fbem-1043	54	6	demands	demand	NOUN
fbem-1043	54	7	of	of	ADP
fbem-1043	54	8	customers	customer	NOUN
fbem-1043	54	9	are	be	AUX
fbem-1043	54	10	the	the	DET
fbem-1043	54	11	important	important	ADJ
fbem-1043	54	12	factors	factor	NOUN
fbem-1043	54	13	to	to	ADP
fbem-1043	54	14	success	success	NOUN
fbem-1043	54	15	of	of	ADP
fbem-1043	54	16	e	e	NOUN
fbem-1043	54	17	-	-	NOUN
fbem-1043	54	18	payment	payment	NOUN
fbem-1043	54	19	.	.	PUNCT
fbem-1043	55	1	to	to	PART
fbem-1043	55	2	improve	improve	VERB
fbem-1043	55	3	e	e	NOUN
fbem-1043	55	4	-	-	NOUN
fbem-1043	55	5	payment	payment	NOUN
fbem-1043	55	6	’s	’s	PART
fbem-1043	55	7	adoption	adoption	NOUN
fbem-1043	55	8	rate	rate	NOUN
fbem-1043	55	9	,	,	PUNCT
fbem-1043	55	10	the	the	DET
fbem-1043	55	11	factors	factor	NOUN
fbem-1043	55	12	which	which	PRON
fbem-1043	55	13	influence	influence	VERB
fbem-1043	55	14	customer	customer	NOUN
fbem-1043	55	15	adopting	adopt	VERB
fbem-1043	55	16	e	e	NOUN
fbem-1043	55	17	-	-	NOUN
fbem-1043	55	18	payment	payment	NOUN
fbem-1043	55	19	need	need	NOUN
fbem-1043	55	20	to	to	PART
fbem-1043	55	21	be	be	AUX
fbem-1043	55	22	deeply	deeply	ADV
fbem-1043	55	23	researched	research	VERB
fbem-1043	55	24	(	(	PUNCT
fbem-1043	55	25	montazemi	montazemi	NOUN
fbem-1043	55	26	and	and	CCONJ
fbem-1043	55	27	qahrisaremi	qahrisaremi	NOUN
fbem-1043	55	28	2015	2015	NUM
fbem-1043	55	29	)	)	PUNCT
fbem-1043	55	30	.	.	PUNCT
fbem-1043	56	1	although	although	SCONJ
fbem-1043	56	2	the	the	DET
fbem-1043	56	3	significant	significant	ADJ
fbem-1043	56	4	investment	investment	NOUN
fbem-1043	56	5	used	use	VERB
fbem-1043	56	6	in	in	ADP
fbem-1043	56	7	information	information	NOUN
fbem-1043	56	8	technology	technology	NOUN
fbem-1043	56	9	to	to	PART
fbem-1043	56	10	develop	develop	VERB
fbem-1043	56	11	banking	banking	NOUN
fbem-1043	56	12	,	,	PUNCT
fbem-1043	56	13	studies	study	NOUN
fbem-1043	56	14	exhibit	exhibit	VERB
fbem-1043	56	15	that	that	SCONJ
fbem-1043	56	16	some	some	DET
fbem-1043	56	17	customers	customer	NOUN
fbem-1043	56	18	are	be	AUX
fbem-1043	56	19	less	less	ADV
fbem-1043	56	20	willing	willing	ADJ
fbem-1043	56	21	to	to	PART
fbem-1043	56	22	use	use	VERB
fbem-1043	56	23	e	e	NOUN
fbem-1043	56	24	-	-	NOUN
fbem-1043	56	25	payment	payment	NOUN
fbem-1043	56	26	,	,	PUNCT
fbem-1043	56	27	which	which	PRON
fbem-1043	56	28	implies	imply	VERB
fbem-1043	56	29	the	the	DET
fbem-1043	56	30	research	research	NOUN
fbem-1043	56	31	demand	demand	NOUN
fbem-1043	56	32	to	to	PART
fbem-1043	56	33	recognize	recognize	VERB
fbem-1043	56	34	the	the	DET
fbem-1043	56	35	factors	factor	NOUN
fbem-1043	56	36	impacting	impact	VERB
fbem-1043	56	37	usage	usage	NOUN
fbem-1043	56	38	of	of	ADP
fbem-1043	56	39	e	e	NOUN
fbem-1043	56	40	-	-	NOUN
fbem-1043	56	41	payment	payment	NOUN
fbem-1043	56	42	systems	system	NOUN
fbem-1043	56	43	.	.	PUNCT
fbem-1043	57	1	there	there	PRON
fbem-1043	57	2	are	be	VERB
fbem-1043	57	3	many	many	ADJ
fbem-1043	57	4	models	model	NOUN
fbem-1043	57	5	being	be	AUX
fbem-1043	57	6	created	create	VERB
fbem-1043	57	7	to	to	PART
fbem-1043	57	8	interpret	interpret	VERB
fbem-1043	57	9	the	the	DET
fbem-1043	57	10	factors	factor	NOUN
fbem-1043	57	11	influencing	influence	VERB
fbem-1043	57	12	customers	customer	NOUN
fbem-1043	57	13	’	'	PUNCT
fbem-1043	57	14	usage	usage	NOUN
fbem-1043	57	15	of	of	ADP
fbem-1043	57	16	e	e	NOUN
fbem-1043	57	17	-	-	NOUN
fbem-1043	57	18	payment	payment	NOUN
fbem-1043	57	19	.	.	PUNCT
fbem-1043	58	1	according	accord	VERB
fbem-1043	58	2	to	to	ADP
fbem-1043	58	3	harris	harris	PROPN
fbem-1043	58	4	et	et	PROPN
fbem-1043	58	5	al	al	PROPN
fbem-1043	58	6	(	(	PUNCT
fbem-1043	58	7	2011	2011	NUM
fbem-1043	58	8	)	)	PUNCT
fbem-1043	58	9	,	,	PUNCT
fbem-1043	58	10	they	they	PRON
fbem-1043	58	11	state	state	VERB
fbem-1043	58	12	that	that	SCONJ
fbem-1043	58	13	the	the	DET
fbem-1043	58	14	customers	customer	NOUN
fbem-1043	58	15	’	’	PART
fbem-1043	58	16	opinions	opinion	NOUN
fbem-1043	58	17	of	of	ADP
fbem-1043	58	18	e	e	NOUN
fbem-1043	58	19	-	-	NOUN
fbem-1043	58	20	payment	payment	NOUN
fbem-1043	58	21	is	be	AUX
fbem-1043	58	22	significantly	significantly	ADV
fbem-1043	58	23	impacted	impact	VERB
fbem-1043	58	24	by	by	ADP
fbem-1043	58	25	factors	factor	NOUN
fbem-1043	58	26	(	(	PUNCT
fbem-1043	58	27	i.e.	i.e.	X
fbem-1043	58	28	security	security	NOUN
fbem-1043	58	29	of	of	ADP
fbem-1043	58	30	e	e	NOUN
fbem-1043	58	31	-	-	NOUN
fbem-1043	58	32	payment	payment	NOUN
fbem-1043	58	33	,	,	PUNCT
fbem-1043	58	34	privacy	privacy	NOUN
fbem-1043	58	35	of	of	ADP
fbem-1043	58	36	e	e	NOUN
fbem-1043	58	37	-	-	NOUN
fbem-1043	58	38	payment	payment	NOUN
fbem-1043	58	39	,	,	PUNCT
fbem-1043	58	40	data	datum	NOUN
fbem-1043	58	41	management	management	NOUN
fbem-1043	58	42	of	of	ADP
fbem-1043	58	43	e	e	NOUN
fbem-1043	58	44	-	-	NOUN
fbem-1043	58	45	payment	payment	NOUN
fbem-1043	58	46	,	,	PUNCT
fbem-1043	58	47	functionality	functionality	NOUN
fbem-1043	58	48	of	of	ADP
fbem-1043	58	49	e	e	NOUN
fbem-1043	58	50	-	-	NOUN
fbem-1043	58	51	payment	payment	NOUN
fbem-1043	58	52	and	and	CCONJ
fbem-1043	58	53	flexibility	flexibility	NOUN
fbem-1043	58	54	of	of	ADP
fbem-1043	58	55	e	e	NOUN
fbem-1043	58	56	-	-	NOUN
fbem-1043	58	57	payment	payment	NOUN
fbem-1043	58	58	.	.	PUNCT
fbem-1043	59	1	customers	customer	NOUN
fbem-1043	59	2	adopting	adopt	VERB
fbem-1043	59	3	e	e	NOUN
fbem-1043	59	4	-	-	NOUN
fbem-1043	59	5	payment	payment	NOUN
fbem-1043	59	6	usually	usually	ADV
fbem-1043	59	7	worry	worry	VERB
fbem-1043	59	8	about	about	ADP
fbem-1043	59	9	greater	great	ADJ
fbem-1043	59	10	risks	risk	NOUN
fbem-1043	59	11	while	while	SCONJ
fbem-1043	59	12	adopting	adopt	VERB
fbem-1043	59	13	the	the	DET
fbem-1043	59	14	internet	internet	NOUN
fbem-1043	59	15	for	for	ADP
fbem-1043	59	16	e	e	NOUN
fbem-1043	59	17	-	-	NOUN
fbem-1043	59	18	payment	payment	NOUN
fbem-1043	59	19	,	,	PUNCT
fbem-1043	59	20	which	which	PRON
fbem-1043	59	21	results	result	VERB
fbem-1043	59	22	in	in	ADP
fbem-1043	59	23	trust	trust	NOUN
fbem-1043	59	24	issues	issue	NOUN
fbem-1043	59	25	.	.	PUNCT
fbem-1043	60	1	hence	hence	ADV
fbem-1043	60	2	,	,	PUNCT
fbem-1043	60	3	security	security	NOUN
fbem-1043	60	4	and	and	CCONJ
fbem-1043	60	5	trust	trust	NOUN
fbem-1043	60	6	can	can	AUX
fbem-1043	60	7	be	be	AUX
fbem-1043	60	8	regarded	regard	VERB
fbem-1043	60	9	as	as	ADP
fbem-1043	60	10	the	the	DET
fbem-1043	60	11	most	most	ADV
fbem-1043	60	12	significant	significant	ADJ
fbem-1043	60	13	factors	factor	NOUN
fbem-1043	60	14	influencing	influence	VERB
fbem-1043	60	15	customers	customer	NOUN
fbem-1043	60	16	’	'	PUNCT
fbem-1043	60	17	desires	desire	NOUN
fbem-1043	60	18	to	to	PART
fbem-1043	60	19	use	use	VERB
fbem-1043	60	20	e	e	NOUN
fbem-1043	60	21	-	-	NOUN
fbem-1043	60	22	payment	payment	NOUN
fbem-1043	60	23	.	.	PUNCT
fbem-1043	61	1	although	although	SCONJ
fbem-1043	61	2	the	the	DET
fbem-1043	61	3	factors	factor	NOUN
fbem-1043	61	4	impacting	impact	VERB
fbem-1043	61	5	trust	trust	NOUN
fbem-1043	61	6	and	and	CCONJ
fbem-1043	61	7	security	security	NOUN
fbem-1043	61	8	have	have	AUX
fbem-1043	61	9	been	be	AUX
fbem-1043	61	10	deeply	deeply	ADV
fbem-1043	61	11	researched	research	VERB
fbem-1043	61	12	(	(	PUNCT
fbem-1043	61	13	i.e.	i.e.	X
fbem-1043	61	14	junadi	junadi	NOUN
fbem-1043	61	15	2015	2015	NUM
fbem-1043	61	16	;	;	PUNCT
fbem-1043	61	17	hoehle	hoehle	VERB
fbem-1043	61	18	et	et	PROPN
fbem-1043	61	19	al	al	PROPN
fbem-1043	61	20	.	.	PROPN
fbem-1043	61	21	2012	2012	NUM
fbem-1043	61	22	)	)	PUNCT
fbem-1043	61	23	,	,	PUNCT
fbem-1043	61	24	the	the	DET
fbem-1043	61	25	literature	literature	NOUN
fbem-1043	61	26	review	review	NOUN
fbem-1043	61	27	still	still	ADV
fbem-1043	61	28	does	do	AUX
fbem-1043	61	29	not	not	PART
fbem-1043	61	30	have	have	VERB
fbem-1043	61	31	investigation	investigation	NOUN
fbem-1043	61	32	depth	depth	NOUN
fbem-1043	61	33	regarding	regard	VERB
fbem-1043	61	34	perceived	perceive	VERB
fbem-1043	61	35	security	security	NOUN
fbem-1043	61	36	and	and	CCONJ
fbem-1043	61	37	trust	trust	NOUN
fbem-1043	61	38	of	of	ADP
fbem-1043	61	39	chinese	chinese	ADJ
fbem-1043	61	40	customers	customer	NOUN
fbem-1043	61	41	using	use	VERB
fbem-1043	61	42	epayment	epayment	NOUN
fbem-1043	61	43	in	in	ADP
fbem-1043	61	44	thailand	thailand	PROPN
fbem-1043	61	45	.	.	PUNCT
fbem-1043	62	1	for	for	ADP
fbem-1043	62	2	instance	instance	NOUN
fbem-1043	62	3	,	,	PUNCT
fbem-1043	62	4	current	current	ADJ
fbem-1043	62	5	studies	study	NOUN
fbem-1043	62	6	(	(	PUNCT
fbem-1043	62	7	i.e.	i.e.	X
fbem-1043	62	8	alikhani	alikhani	X
fbem-1043	62	9	and	and	CCONJ
fbem-1043	62	10	davarzani	davarzani	ADJ
fbem-1043	62	11	2014	2014	NUM
fbem-1043	62	12	;	;	PUNCT
fbem-1043	62	13	sanayei	sanayei	PROPN
fbem-1043	62	14	and	and	CCONJ
fbem-1043	62	15	noroozi	noroozi	NOUN
fbem-1043	62	16	2009	2009	NUM
fbem-1043	62	17	)	)	PUNCT
fbem-1043	62	18	usually	usually	ADV
fbem-1043	62	19	lack	lack	VERB
fbem-1043	62	20	general	general	ADJ
fbem-1043	62	21	assessment	assessment	NOUN
fbem-1043	62	22	of	of	ADP
fbem-1043	62	23	relevant	relevant	ADJ
fbem-1043	62	24	factors	factor	NOUN
fbem-1043	62	25	of	of	ADP
fbem-1043	62	26	customers	customer	NOUN
fbem-1043	62	27	desires	desire	NOUN
fbem-1043	62	28	to	to	PART
fbem-1043	62	29	adopt	adopt	VERB
fbem-1043	62	30	e	e	NOUN
fbem-1043	62	31	-	-	NOUN
fbem-1043	62	32	payment	payment	NOUN
fbem-1043	62	33	,	,	PUNCT
fbem-1043	62	34	such	such	ADJ
fbem-1043	62	35	as	as	ADP
fbem-1043	62	36	exclusively	exclusively	ADV
fbem-1043	62	37	focusing	focus	VERB
fbem-1043	62	38	on	on	ADP
fbem-1043	62	39	either	either	CCONJ
fbem-1043	62	40	security	security	NOUN
fbem-1043	62	41	or	or	CCONJ
fbem-1043	62	42	trust	trust	NOUN
fbem-1043	62	43	,	,	PUNCT
fbem-1043	62	44	which	which	PRON
fbem-1043	62	45	ignores	ignore	VERB
fbem-1043	62	46	many	many	ADJ
fbem-1043	62	47	potential	potential	ADJ
fbem-1043	62	48	factors	factor	NOUN
fbem-1043	62	49	of	of	ADP
fbem-1043	62	50	customers	customer	NOUN
fbem-1043	62	51	desires	desire	NOUN
fbem-1043	62	52	to	to	PART
fbem-1043	62	53	adopt	adopt	VERB
fbem-1043	62	54	e	e	NOUN
fbem-1043	62	55	-	-	NOUN
fbem-1043	62	56	payment	payment	NOUN
fbem-1043	62	57	.	.	PUNCT
fbem-1043	63	1	thailand	thailand	PROPN
fbem-1043	63	2	is	be	AUX
fbem-1043	63	3	a	a	DET
fbem-1043	63	4	developing	develop	VERB
fbem-1043	63	5	country	country	NOUN
fbem-1043	63	6	in	in	ADP
fbem-1043	63	7	the	the	DET
fbem-1043	63	8	asia	asia	PROPN
fbem-1043	63	9	.	.	PUNCT
fbem-1043	64	1	e	e	X
fbem-1043	64	2	-	-	NOUN
fbem-1043	64	3	payment	payment	NOUN
fbem-1043	64	4	is	be	AUX
fbem-1043	64	5	created	create	VERB
fbem-1043	64	6	to	to	PART
fbem-1043	64	7	provide	provide	VERB
fbem-1043	64	8	customers	customer	NOUN
fbem-1043	64	9	with	with	ADP
fbem-1043	64	10	benefits	benefit	NOUN
fbem-1043	64	11	majorly	majorly	ADV
fbem-1043	64	12	including	include	VERB
fbem-1043	64	13	less	less	ADJ
fbem-1043	64	14	transaction	transaction	NOUN
fbem-1043	64	15	costs	cost	NOUN
fbem-1043	64	16	and	and	CCONJ
fbem-1043	64	17	convenience	convenience	NOUN
fbem-1043	64	18	.	.	PUNCT
fbem-1043	65	1	for	for	ADP
fbem-1043	65	2	instance	instance	NOUN
fbem-1043	65	3	,	,	PUNCT
fbem-1043	65	4	epayment	epayment	NOUN
fbem-1043	65	5	has	have	VERB
fbem-1043	65	6	the	the	DET
fbem-1043	65	7	user	user	NOUN
fbem-1043	65	8	interface	interface	NOUN
fbem-1043	65	9	based	base	VERB
fbem-1043	65	10	on	on	ADP
fbem-1043	65	11	website	website	NOUN
fbem-1043	65	12	,	,	PUNCT
fbem-1043	65	13	which	which	PRON
fbem-1043	65	14	permits	permit	VERB
fbem-1043	65	15	customers	customer	NOUN
fbem-1043	65	16	to	to	PART
fbem-1043	65	17	remotely	remotely	ADV
fbem-1043	65	18	manage	manage	VERB
fbem-1043	65	19	and	and	CCONJ
fbem-1043	65	20	access	access	VERB
fbem-1043	65	21	their	their	PRON
fbem-1043	65	22	transactions	transaction	NOUN
fbem-1043	65	23	.	.	PUNCT
fbem-1043	66	1	there	there	PRON
fbem-1043	66	2	are	be	VERB
fbem-1043	66	3	a	a	DET
fbem-1043	66	4	considerable	considerable	ADJ
fbem-1043	66	5	volume	volume	NOUN
fbem-1043	66	6	of	of	ADP
fbem-1043	66	7	academic	academic	ADJ
fbem-1043	66	8	studies	study	NOUN
fbem-1043	66	9	exploring	explore	VERB
fbem-1043	66	10	e	e	NOUN
fbem-1043	66	11	-	-	NOUN
fbem-1043	66	12	payment	payment	NOUN
fbem-1043	66	13	from	from	ADP
fbem-1043	66	14	the	the	DET
fbem-1043	66	15	user	user	NOUN
fbem-1043	66	16	acceptance	acceptance	NOUN
fbem-1043	66	17	and	and	CCONJ
fbem-1043	66	18	technical	technical	ADJ
fbem-1043	66	19	dimensions	dimension	NOUN
fbem-1043	66	20	(	(	PUNCT
fbem-1043	66	21	i.e.	i.e.	X
fbem-1043	66	22	harris	harris	PROPN
fbem-1043	66	23	et	et	PROPN
fbem-1043	66	24	al	al	PROPN
fbem-1043	66	25	.	.	PROPN
fbem-1043	66	26	,	,	PUNCT
fbem-1043	66	27	2011	2011	NUM
fbem-1043	66	28	)	)	PUNCT
fbem-1043	66	29	,	,	PUNCT
fbem-1043	66	30	which	which	PRON
fbem-1043	66	31	concludes	conclude	VERB
fbem-1043	66	32	some	some	DET
fbem-1043	66	33	important	important	ADJ
fbem-1043	66	34	factors	factor	NOUN
fbem-1043	66	35	impacting	impact	VERB
fbem-1043	66	36	customers	customer	NOUN
fbem-1043	66	37	’	'	PUNCT
fbem-1043	66	38	desire	desire	NOUN
fbem-1043	66	39	to	to	PART
fbem-1043	66	40	use	use	VERB
fbem-1043	66	41	epayment	epayment	NOUN
fbem-1043	66	42	.	.	PUNCT
fbem-1043	67	1	according	accord	VERB
fbem-1043	67	2	to	to	ADP
fbem-1043	67	3	barkhordari	barkhordari	PROPN
fbem-1043	67	4	et	et	PROPN
fbem-1043	67	5	al	al	PROPN
fbem-1043	67	6	(	(	PUNCT
fbem-1043	67	7	2017	2017	NUM
fbem-1043	67	8	)	)	PUNCT
fbem-1043	67	9	,	,	PUNCT
fbem-1043	67	10	cheques	cheque	NOUN
fbem-1043	67	11	and	and	CCONJ
fbem-1043	67	12	cash	cash	NOUN
fbem-1043	67	13	are	be	AUX
fbem-1043	67	14	considered	consider	VERB
fbem-1043	67	15	as	as	ADP
fbem-1043	67	16	popular	popular	ADJ
fbem-1043	67	17	payment	payment	NOUN
fbem-1043	67	18	choices	choice	NOUN
fbem-1043	67	19	since	since	SCONJ
fbem-1043	67	20	customers	customer	NOUN
fbem-1043	67	21	doubt	doubt	VERB
fbem-1043	67	22	the	the	DET
fbem-1043	67	23	benefits	benefit	NOUN
fbem-1043	67	24	of	of	ADP
fbem-1043	67	25	e	e	NOUN
fbem-1043	67	26	-	-	NOUN
fbem-1043	67	27	payment	payment	NOUN
fbem-1043	67	28	adoption	adoption	NOUN
fbem-1043	67	29	.	.	PUNCT
fbem-1043	68	1	additionally	additionally	ADV
fbem-1043	68	2	,	,	PUNCT
fbem-1043	68	3	abrazhevich	abrazhevich	X
fbem-1043	68	4	(	(	PUNCT
fbem-1043	68	5	2004	2004	NUM
fbem-1043	68	6	)	)	PUNCT
fbem-1043	68	7	summarizes	summarize	VERB
fbem-1043	68	8	failure	failure	NOUN
fbem-1043	68	9	of	of	ADP
fbem-1043	68	10	epayment	epayment	NOUN
fbem-1043	68	11	such	such	ADJ
fbem-1043	68	12	as	as	ADP
fbem-1043	68	13	deployment	deployment	NOUN
fbem-1043	68	14	and	and	CCONJ
fbem-1043	68	15	design	design	NOUN
fbem-1043	68	16	of	of	ADP
fbem-1043	68	17	e	e	NOUN
fbem-1043	68	18	-	-	NOUN
fbem-1043	68	19	payment	payment	NOUN
fbem-1043	68	20	system	system	NOUN
fbem-1043	68	21	failing	fail	VERB
fbem-1043	68	22	to	to	PART
fbem-1043	68	23	satisfy	satisfy	VERB
fbem-1043	68	24	customer	customer	NOUN
fbem-1043	68	25	expectations	expectation	NOUN
fbem-1043	68	26	and	and	CCONJ
fbem-1043	68	27	requirements	requirement	NOUN
fbem-1043	68	28	.	.	PUNCT
fbem-1043	69	1	according	accord	VERB
fbem-1043	69	2	to	to	ADP
fbem-1043	69	3	johar	johar	PROPN
fbem-1043	69	4	and	and	CCONJ
fbem-1043	69	5	awalludin	awalludin	PROPN
fbem-1043	69	6	(	(	PUNCT
fbem-1043	69	7	2011	2011	NUM
fbem-1043	69	8	)	)	PUNCT
fbem-1043	69	9	,	,	PUNCT
fbem-1043	69	10	they	they	PRON
fbem-1043	69	11	present	present	VERB
fbem-1043	69	12	that	that	SCONJ
fbem-1043	69	13	trust	trust	NOUN
fbem-1043	69	14	and	and	CCONJ
fbem-1043	69	15	security	security	NOUN
fbem-1043	69	16	are	be	AUX
fbem-1043	69	17	the	the	DET
fbem-1043	69	18	most	most	ADV
fbem-1043	69	19	significant	significant	ADJ
fbem-1043	69	20	concerns	concern	NOUN
fbem-1043	69	21	while	while	SCONJ
fbem-1043	69	22	using	use	VERB
fbem-1043	69	23	e	e	NOUN
fbem-1043	69	24	-	-	NOUN
fbem-1043	69	25	payment	payment	NOUN
fbem-1043	69	26	.	.	PUNCT
fbem-1043	70	1	however	however	ADV
fbem-1043	70	2	,	,	PUNCT
fbem-1043	70	3	although	although	SCONJ
fbem-1043	70	4	ramalingam	ramalingam	NOUN
fbem-1043	70	5	(	(	PUNCT
fbem-1043	70	6	2012	2012	NUM
fbem-1043	70	7	)	)	PUNCT
fbem-1043	70	8	demonstrates	demonstrate	VERB
fbem-1043	70	9	that	that	SCONJ
fbem-1043	70	10	thailand	thailand	PROPN
fbem-1043	70	11	makes	make	VERB
fbem-1043	70	12	greater	great	ADJ
fbem-1043	70	13	progress	progress	NOUN
fbem-1043	70	14	of	of	ADP
fbem-1043	70	15	using	use	VERB
fbem-1043	70	16	epayment	epayment	NOUN
fbem-1043	70	17	,	,	PUNCT
fbem-1043	70	18	most	most	ADJ
fbem-1043	70	19	of	of	ADP
fbem-1043	70	20	online	online	ADJ
fbem-1043	70	21	population	population	NOUN
fbem-1043	70	22	in	in	ADP
fbem-1043	70	23	thailand	thailand	PROPN
fbem-1043	70	24	is	be	AUX
fbem-1043	70	25	teenagers	teenager	NOUN
fbem-1043	70	26	having	have	VERB
fbem-1043	70	27	a	a	DET
fbem-1043	70	28	low	low	ADJ
fbem-1043	70	29	degree	degree	NOUN
fbem-1043	70	30	of	of	ADP
fbem-1043	70	31	internet	internet	NOUN
fbem-1043	70	32	knowledge	knowledge	NOUN
fbem-1043	70	33	,	,	PUNCT
fbem-1043	70	34	which	which	PRON
fbem-1043	70	35	leads	lead	VERB
fbem-1043	70	36	to	to	ADP
fbem-1043	70	37	concerns	concern	NOUN
fbem-1043	70	38	of	of	ADP
fbem-1043	70	39	adopting	adopt	VERB
fbem-1043	70	40	e	e	NOUN
fbem-1043	70	41	-	-	NOUN
fbem-1043	70	42	payment	payment	NOUN
fbem-1043	70	43	.	.	PUNCT
fbem-1043	71	1	some	some	DET
fbem-1043	71	2	previous	previous	ADJ
fbem-1043	71	3	studies	study	NOUN
fbem-1043	71	4	(	(	PUNCT
fbem-1043	71	5	i.e.	i.e.	X
fbem-1043	71	6	alyabes	alyabe	NOUN
fbem-1043	71	7	and	and	CCONJ
fbem-1043	71	8	alsalloum	alsalloum	NOUN
fbem-1043	71	9	2018	2018	NUM
fbem-1043	71	10	)	)	PUNCT
fbem-1043	71	11	propose	propose	VERB
fbem-1043	71	12	that	that	DET
fbem-1043	71	13	ease	ease	NOUN
fbem-1043	71	14	of	of	ADP
fbem-1043	71	15	use	use	NOUN
fbem-1043	71	16	,	,	PUNCT
fbem-1043	71	17	self	self	NOUN
fbem-1043	71	18	-	-	PUNCT
fbem-1043	71	19	efficacy	efficacy	NOUN
fbem-1043	71	20	,	,	PUNCT
fbem-1043	71	21	benefits	benefit	NOUN
fbem-1043	71	22	,	,	PUNCT
fbem-1043	71	23	trust	trust	NOUN
fbem-1043	71	24	and	and	CCONJ
fbem-1043	71	25	security	security	NOUN
fbem-1043	71	26	are	be	AUX
fbem-1043	71	27	considered	consider	VERB
fbem-1043	71	28	as	as	ADP
fbem-1043	71	29	essential	essential	ADJ
fbem-1043	71	30	factors	factor	NOUN
fbem-1043	71	31	impacting	impact	VERB
fbem-1043	71	32	epayment	epayment	ADJ
fbem-1043	71	33	adoption	adoption	NOUN
fbem-1043	71	34	.	.	PUNCT
fbem-1043	72	1	few	few	ADJ
fbem-1043	72	2	academic	academic	ADJ
fbem-1043	72	3	studies	study	NOUN
fbem-1043	72	4	explore	explore	VERB
fbem-1043	72	5	relevant	relevant	ADJ
fbem-1043	72	6	factors	factor	NOUN
fbem-1043	72	7	of	of	ADP
fbem-1043	72	8	using	use	VERB
fbem-1043	72	9	e	e	NOUN
fbem-1043	72	10	-	-	NOUN
fbem-1043	72	11	payment	payment	NOUN
fbem-1043	72	12	in	in	ADP
fbem-1043	72	13	a	a	DET
fbem-1043	72	14	specific	specific	ADJ
fbem-1043	72	15	setting	setting	NOUN
fbem-1043	72	16	:	:	PUNCT
fbem-1043	72	17	thailand	thailand	PROPN
fbem-1043	72	18	.	.	PUNCT
fbem-1043	73	1	therefore	therefore	ADV
fbem-1043	73	2	,	,	PUNCT
fbem-1043	73	3	it	it	PRON
fbem-1043	73	4	is	be	AUX
fbem-1043	73	5	valuable	valuable	ADJ
fbem-1043	73	6	to	to	PART
fbem-1043	73	7	research	research	VERB
fbem-1043	73	8	these	these	DET
fbem-1043	73	9	factors	factor	NOUN
fbem-1043	73	10	impacting	impact	VERB
fbem-1043	73	11	epayment	epayment	ADJ
fbem-1043	73	12	adoption	adoption	NOUN
fbem-1043	73	13	in	in	ADP
fbem-1043	73	14	the	the	DET
fbem-1043	73	15	thailand	thailand	PROPN
fbem-1043	73	16	setting	setting	NOUN
fbem-1043	73	17	.	.	PUNCT
fbem-1043	74	1	2.1.2	2.1.2	X
fbem-1043	74	2	.	.	X
fbem-1043	74	3	sem	sem	PROPN
fbem-1043	74	4	model	model	NOUN
fbem-1043	74	5	structural	structural	ADJ
fbem-1043	74	6	equation	equation	NOUN
fbem-1043	74	7	modeling	modeling	NOUN
fbem-1043	74	8	,	,	PUNCT
fbem-1043	74	9	or	or	CCONJ
fbem-1043	74	10	sem	sem	NOUN
fbem-1043	74	11	,	,	PUNCT
fbem-1043	74	12	is	be	AUX
fbem-1043	74	13	a	a	DET
fbem-1043	74	14	very	very	ADV
fbem-1043	74	15	general	general	ADJ
fbem-1043	74	16	statistical	statistical	ADJ
fbem-1043	74	17	modeling	modeling	NOUN
fbem-1043	74	18	echnique	echnique	NOUN
fbem-1043	74	19	,	,	PUNCT
fbem-1043	74	20	which	which	PRON
fbem-1043	74	21	is	be	AUX
fbem-1043	74	22	widely	widely	ADV
fbem-1043	74	23	used	use	VERB
fbem-1043	74	24	in	in	ADP
fbem-1043	74	25	the	the	DET
fbem-1043	74	26	behavioral	behavioral	ADJ
fbem-1043	74	27	sciences(joreskog	sciences(joreskog	NOUN
fbem-1043	74	28	k	k	PROPN
fbem-1043	74	29	g,1993	g,1993	PROPN
fbem-1043	74	30	)	)	PUNCT
fbem-1043	74	31	.	.	PUNCT
fbem-1043	75	1	it	it	PRON
fbem-1043	75	2	can	can	AUX
fbem-1043	75	3	be	be	AUX
fbem-1043	75	4	viewed	view	VERB
fbem-1043	75	5	as	as	ADP
fbem-1043	75	6	a	a	DET
fbem-1043	75	7	combination	combination	NOUN
fbem-1043	75	8	of	of	ADP
fbem-1043	75	9	factor	factor	NOUN
fbem-1043	75	10	analysis	analysis	NOUN
fbem-1043	75	11	and	and	CCONJ
fbem-1043	75	12	regression	regression	NOUN
fbem-1043	75	13	or	or	CCONJ
fbem-1043	75	14	path	path	VERB
fbem-1043	75	15	analysis.the	analysis.the	DET
fbem-1043	75	16	interest	interest	NOUN
fbem-1043	75	17	in	in	ADP
fbem-1043	75	18	structural	structural	ADJ
fbem-1043	75	19	equation	equation	NOUN
fbem-1043	75	20	modeling	modeling	NOUN
fbem-1043	75	21	is	be	AUX
fbem-1043	75	22	often	often	ADV
fbem-1043	75	23	on	on	ADP
fbem-1043	75	24	theoretical	theoretical	ADJ
fbem-1043	75	25	constructs	construct	NOUN
fbem-1043	75	26	,	,	PUNCT
fbem-1043	75	27	which	which	PRON
fbem-1043	75	28	are	be	AUX
fbem-1043	75	29	represented	represent	VERB
fbem-1043	75	30	by	by	ADP
fbem-1043	75	31	latent	latent	NOUN
fbem-1043	75	32	factors	factor	NOUN
fbem-1043	75	33	.	.	PUNCT
fbem-1043	76	1	the	the	DET
fbem-1043	76	2	relationships	relationship	NOUN
fbem-1043	76	3	between	between	ADP
fbem-1043	76	4	the	the	DET
fbem-1043	76	5	theoretical	theoretical	ADJ
fbem-1043	76	6	constructs	construct	NOUN
fbem-1043	76	7	are	be	AUX
fbem-1043	76	8	represented	represent	VERB
fbem-1043	76	9	by	by	ADP
fbem-1043	76	10	regression	regression	NOUN
fbem-1043	76	11	or	or	CCONJ
fbem-1043	76	12	path	path	NOUN
fbem-1043	76	13	coefficients	coefficient	NOUN
fbem-1043	76	14	between	between	ADP
fbem-1043	76	15	the	the	DET
fbem-1043	76	16	factors(liang	factors(liang	PROPN
fbem-1043	76	17	changyong,2012	changyong,2012	NOUN
fbem-1043	76	18	)	)	PUNCT
fbem-1043	76	19	.	.	PUNCT
fbem-1043	77	1	the	the	DET
fbem-1043	77	2	structural	structural	ADJ
fbem-1043	77	3	equation	equation	NOUN
fbem-1043	77	4	model	model	NOUN
fbem-1043	77	5	impies	impie	VERB
fbem-1043	77	6	a	a	DET
fbem-1043	77	7	stucture	stucture	NOUN
fbem-1043	77	8	for	for	ADP
fbem-1043	77	9	the	the	DET
fbem-1043	77	10	covariance	covariance	NOUN
fbem-1043	77	11	between	between	ADP
fbem-1043	77	12	the	the	DET
fbem-1043	77	13	observed	observed	ADJ
fbem-1043	77	14	variables	variable	NOUN
fbem-1043	77	15	,	,	PUNCT
fbem-1043	77	16	which	which	PRON
fbem-1043	77	17	provides	provide	VERB
fbem-1043	77	18	the	the	DET
fbem-1043	77	19	altenative	altenative	ADJ
fbem-1043	77	20	name	name	NOUN
fbem-1043	77	21	covariance	covariance	NOUN
fbem-1043	77	22	structure	structure	NOUN
fbem-1043	77	23	modeling	modeling	NOUN
fbem-1043	77	24	(	(	PUNCT
fbem-1043	77	25	cheng	cheng	PROPN
fbem-1043	77	26	wendong	wendong	PROPN
fbem-1043	77	27	,	,	PUNCT
fbem-1043	77	28	2014	2014	NUM
fbem-1043	77	29	)	)	PUNCT
fbem-1043	77	30	.	.	PUNCT
fbem-1043	78	1	however	however	ADV
fbem-1043	78	2	,	,	PUNCT
fbem-1043	78	3	the	the	DET
fbem-1043	78	4	model	model	NOUN
fbem-1043	78	5	can	can	AUX
fbem-1043	78	6	be	be	AUX
fbem-1043	78	7	extended	extend	VERB
fbem-1043	78	8	to	to	PART
fbem-1043	78	9	include	include	VERB
fbem-1043	78	10	means	mean	NOUN
fbem-1043	78	11	of	of	ADP
fbem-1043	78	12	observed	observed	ADJ
fbem-1043	78	13	variables	variable	NOUN
fbem-1043	78	14	or	or	CCONJ
fbem-1043	78	15	factors	factor	NOUN
fbem-1043	78	16	in	in	ADP
fbem-1043	78	17	this	this	DET
fbem-1043	78	18	model	model	NOUN
fbem-1043	78	19	,	,	PUNCT
fbem-1043	78	20	which	which	PRON
fbem-1043	78	21	makes	make	VERB
fbem-1043	78	22	covariance	covariance	NOUN
fbem-1043	78	23	structure	structure	NOUN
fbem-1043	78	24	modeling	model	VERB
fbem-1043	78	25	a	a	DET
fbem-1043	78	26	less	less	ADV
fbem-1043	78	27	accurate	accurate	ADJ
fbem-1043	78	28	name	name	NOUN
fbem-1043	78	29	.	.	PUNCT
fbem-1043	79	1	structural	structural	ADJ
fbem-1043	79	2	equation	equation	NOUN
fbem-1043	79	3	modeling	modeling	NOUN
fbem-1043	79	4	provides	provide	VERB
fbem-1043	79	5	a	a	DET
fbem-1043	79	6	very	very	ADV
fbem-1043	79	7	general	general	ADJ
fbem-1043	79	8	and	and	CCONJ
fbem-1043	79	9	convenient	convenient	ADJ
fbem-1043	79	10	framework	framework	NOUN
fbem-1043	79	11	for	for	ADP
fbem-1043	79	12	statistical	statistical	ADJ
fbem-1043	79	13	analysis	analysis	NOUN
fbem-1043	79	14	that	that	PRON
fbem-1043	79	15	includes	include	VERB
fbem-1043	79	16	several	several	ADJ
fbem-1043	79	17	taditional	taditional	ADJ
fbem-1043	79	18	multivariate	multivariate	NOUN
fbem-1043	79	19	procedures	procedure	NOUN
fbem-1043	79	20	,	,	PUNCT
fbem-1043	79	21	for	for	ADP
fbem-1043	79	22	example	example	NOUN
fbem-1043	79	23	factor	factor	NOUN
fbem-1043	79	24	analysis	analysis	NOUN
fbem-1043	79	25	,	,	PUNCT
fbem-1043	79	26	regression	regression	VERB
fbem-1043	79	27	analysis	analysis	NOUN
fbem-1043	79	28	,	,	PUNCT
fbem-1043	79	29	discriminant	discriminant	ADJ
fbem-1043	79	30	analysis	analysis	NOUN
fbem-1043	79	31	,	,	PUNCT
fbem-1043	79	32	and	and	CCONJ
fbem-1043	79	33	canonical	canonical	ADJ
fbem-1043	79	34	correlation	correlation	NOUN
fbem-1043	79	35	,	,	PUNCT
fbem-1043	79	36	as	as	ADP
fbem-1043	79	37	special	special	ADJ
fbem-1043	79	38	cases(lu	cases(lu	NOUN
fbem-1043	79	39	shen,2020	shen,2020	NOUN
fbem-1043	79	40	)	)	PUNCT
fbem-1043	79	41	.	.	PUNCT
fbem-1043	80	1	3	3	NUM
fbem-1043	80	2	2.2	2.2	NUM
fbem-1043	80	3	.	.	PUNCT
fbem-1043	81	1	theoretical	theoretical	ADJ
fbem-1043	81	2	background	background	NOUN
fbem-1043	81	3	2.2.1	2.2.1	NUM
fbem-1043	81	4	.	.	PUNCT
fbem-1043	82	1	e	e	X
fbem-1043	82	2	-	-	NOUN
fbem-1043	82	3	payment	payment	NOUN
fbem-1043	82	4	benefits	benefit	NOUN
fbem-1043	82	5	e	e	NOUN
fbem-1043	82	6	-	-	NOUN
fbem-1043	82	7	payment	payment	ADJ
fbem-1043	82	8	benefits	benefit	NOUN
fbem-1043	82	9	is	be	AUX
fbem-1043	82	10	understood	understand	VERB
fbem-1043	82	11	as	as	ADP
fbem-1043	82	12	an	an	DET
fbem-1043	82	13	important	important	ADJ
fbem-1043	82	14	factor	factor	NOUN
fbem-1043	82	15	to	to	PART
fbem-1043	82	16	motivate	motivate	VERB
fbem-1043	82	17	the	the	DET
fbem-1043	82	18	usage	usage	NOUN
fbem-1043	82	19	and	and	CCONJ
fbem-1043	82	20	acceptance	acceptance	NOUN
fbem-1043	82	21	of	of	ADP
fbem-1043	82	22	e	e	NOUN
fbem-1043	82	23	-	-	NOUN
fbem-1043	82	24	payment	payment	NOUN
fbem-1043	82	25	systems	system	NOUN
fbem-1043	82	26	.	.	PUNCT
fbem-1043	83	1	meanwhile	meanwhile	ADV
fbem-1043	83	2	,	,	PUNCT
fbem-1043	83	3	through	through	ADP
fbem-1043	83	4	exploring	explore	VERB
fbem-1043	83	5	four	four	NUM
fbem-1043	83	6	major	major	ADJ
fbem-1043	83	7	e	e	ADJ
fbem-1043	83	8	-	-	NOUN
fbem-1043	83	9	commerce	commerce	NOUN
fbem-1043	83	10	activities	activity	NOUN
fbem-1043	83	11	including	include	VERB
fbem-1043	83	12	e	e	NOUN
fbem-1043	83	13	-	-	NOUN
fbem-1043	83	14	payment	payment	NOUN
fbem-1043	83	15	systems	system	NOUN
fbem-1043	83	16	,	,	PUNCT
fbem-1043	83	17	online	online	ADJ
fbem-1043	83	18	investment	investment	NOUN
fbem-1043	83	19	,	,	PUNCT
fbem-1043	83	20	online	online	ADJ
fbem-1043	83	21	banking	banking	NOUN
fbem-1043	83	22	and	and	CCONJ
fbem-1043	83	23	online	online	NOUN
fbem-1043	83	24	shopping	shopping	NOUN
fbem-1043	83	25	,	,	PUNCT
fbem-1043	83	26	it	it	PRON
fbem-1043	83	27	has	have	AUX
fbem-1043	83	28	been	be	AUX
fbem-1043	83	29	found	find	VERB
fbem-1043	83	30	that	that	SCONJ
fbem-1043	83	31	before	before	ADP
fbem-1043	83	32	adopting	adopt	VERB
fbem-1043	83	33	e	e	NOUN
fbem-1043	83	34	-	-	NOUN
fbem-1043	83	35	payment	payment	NOUN
fbem-1043	83	36	systems	system	NOUN
fbem-1043	83	37	,	,	PUNCT
fbem-1043	83	38	customers	customer	NOUN
fbem-1043	83	39	’	’	PART
fbem-1043	83	40	financial	financial	ADJ
fbem-1043	83	41	benefits	benefit	NOUN
fbem-1043	83	42	and	and	CCONJ
fbem-1043	83	43	perceived	perceive	VERB
fbem-1043	83	44	convenience	convenience	NOUN
fbem-1043	83	45	can	can	AUX
fbem-1043	83	46	promote	promote	VERB
fbem-1043	83	47	the	the	DET
fbem-1043	83	48	adoption	adoption	NOUN
fbem-1043	83	49	decision	decision	NOUN
fbem-1043	83	50	(	(	PUNCT
fbem-1043	83	51	tella	tella	PROPN
fbem-1043	83	52	2012	2012	NUM
fbem-1043	83	53	)	)	PUNCT
fbem-1043	83	54	.	.	PUNCT
fbem-1043	84	1	more	more	ADV
fbem-1043	84	2	specifically	specifically	ADV
fbem-1043	84	3	,	,	PUNCT
fbem-1043	84	4	in	in	ADP
fbem-1043	84	5	the	the	DET
fbem-1043	84	6	process	process	NOUN
fbem-1043	84	7	of	of	ADP
fbem-1043	84	8	using	use	VERB
fbem-1043	84	9	e	e	NOUN
fbem-1043	84	10	-	-	NOUN
fbem-1043	84	11	payment	payment	NOUN
fbem-1043	84	12	systems	system	NOUN
fbem-1043	84	13	,	,	PUNCT
fbem-1043	84	14	perceived	perceive	VERB
fbem-1043	84	15	financial	financial	ADJ
fbem-1043	84	16	benefits	benefit	NOUN
fbem-1043	84	17	such	such	ADJ
fbem-1043	84	18	as	as	ADP
fbem-1043	84	19	lower	low	ADJ
fbem-1043	84	20	transaction	transaction	NOUN
fbem-1043	84	21	costs	cost	NOUN
fbem-1043	84	22	and	and	CCONJ
fbem-1043	84	23	fixed	fix	VERB
fbem-1043	84	24	costs	cost	NOUN
fbem-1043	84	25	can	can	AUX
fbem-1043	84	26	motivate	motivate	VERB
fbem-1043	84	27	customers	customer	NOUN
fbem-1043	84	28	to	to	PART
fbem-1043	84	29	more	more	ADV
fbem-1043	84	30	frequently	frequently	ADV
fbem-1043	84	31	use	use	VERB
fbem-1043	84	32	e	e	NOUN
fbem-1043	84	33	-	-	NOUN
fbem-1043	84	34	payment	payment	NOUN
fbem-1043	84	35	systems	system	NOUN
fbem-1043	84	36	.	.	PUNCT
fbem-1043	85	1	for	for	ADP
fbem-1043	85	2	instance	instance	NOUN
fbem-1043	85	3	,	,	PUNCT
fbem-1043	85	4	transaction	transaction	NOUN
fbem-1043	85	5	costs	cost	NOUN
fbem-1043	85	6	are	be	AUX
fbem-1043	85	7	afforded	afford	VERB
fbem-1043	85	8	by	by	ADP
fbem-1043	85	9	merchants	merchant	NOUN
fbem-1043	85	10	or	or	CCONJ
fbem-1043	85	11	customers	customer	NOUN
fbem-1043	85	12	when	when	SCONJ
fbem-1043	85	13	they	they	PRON
fbem-1043	85	14	launch	launch	VERB
fbem-1043	85	15	a	a	DET
fbem-1043	85	16	business	business	NOUN
fbem-1043	85	17	transaction	transaction	NOUN
fbem-1043	85	18	.	.	PUNCT
fbem-1043	86	1	fixed	fix	VERB
fbem-1043	86	2	costs	cost	NOUN
fbem-1043	86	3	include	include	VERB
fbem-1043	86	4	costs	cost	NOUN
fbem-1043	86	5	to	to	PART
fbem-1043	86	6	install	install	VERB
fbem-1043	86	7	equipment	equipment	NOUN
fbem-1043	86	8	of	of	ADP
fbem-1043	86	9	payment	payment	NOUN
fbem-1043	86	10	(	(	PUNCT
fbem-1043	86	11	i.e.	i.e.	X
fbem-1043	86	12	payment	payment	NOUN
fbem-1043	86	13	software	software	NOUN
fbem-1043	86	14	and	and	CCONJ
fbem-1043	86	15	card	card	NOUN
fbem-1043	86	16	readers	reader	NOUN
fbem-1043	86	17	)	)	PUNCT
fbem-1043	86	18	.	.	PUNCT
fbem-1043	87	1	hence	hence	ADV
fbem-1043	87	2	,	,	PUNCT
fbem-1043	87	3	customers	customer	NOUN
fbem-1043	87	4	can	can	AUX
fbem-1043	87	5	enjoy	enjoy	VERB
fbem-1043	87	6	financial	financial	ADJ
fbem-1043	87	7	benefits	benefit	NOUN
fbem-1043	87	8	of	of	ADP
fbem-1043	87	9	low	low	ADJ
fbem-1043	87	10	cost	cost	NOUN
fbem-1043	87	11	from	from	ADP
fbem-1043	87	12	using	use	VERB
fbem-1043	87	13	e	e	NOUN
fbem-1043	87	14	-	-	NOUN
fbem-1043	87	15	payment	payment	NOUN
fbem-1043	87	16	systems	system	NOUN
fbem-1043	87	17	since	since	SCONJ
fbem-1043	87	18	customers	customer	NOUN
fbem-1043	87	19	only	only	ADV
fbem-1043	87	20	have	have	VERB
fbem-1043	87	21	to	to	PART
fbem-1043	87	22	afford	afford	VERB
fbem-1043	87	23	a	a	DET
fbem-1043	87	24	minimal	minimal	ADJ
fbem-1043	87	25	charge	charge	NOUN
fbem-1043	87	26	(	(	PUNCT
fbem-1043	87	27	lai	lai	NOUN
fbem-1043	87	28	2016	2016	NUM
fbem-1043	87	29	)	)	PUNCT
fbem-1043	87	30	.	.	PUNCT
fbem-1043	88	1	the	the	DET
fbem-1043	88	2	main	main	ADJ
fbem-1043	88	3	benefits	benefit	NOUN
fbem-1043	88	4	why	why	SCONJ
fbem-1043	88	5	individuals	individual	NOUN
fbem-1043	88	6	use	use	VERB
fbem-1043	88	7	cash	cash	NOUN
fbem-1043	88	8	to	to	PART
fbem-1043	88	9	replace	replace	VERB
fbem-1043	88	10	e	e	NOUN
fbem-1043	88	11	-	-	NOUN
fbem-1043	88	12	payment	payment	NOUN
fbem-1043	88	13	are	be	AUX
fbem-1043	88	14	diverse	diverse	ADJ
fbem-1043	88	15	.	.	PUNCT
fbem-1043	89	1	the	the	DET
fbem-1043	89	2	first	first	ADJ
fbem-1043	89	3	main	main	ADJ
fbem-1043	89	4	benefit	benefit	NOUN
fbem-1043	89	5	is	be	AUX
fbem-1043	89	6	that	that	SCONJ
fbem-1043	89	7	e	e	NOUN
fbem-1043	89	8	-	-	NOUN
fbem-1043	89	9	payment	payment	NOUN
fbem-1043	89	10	can	can	AUX
fbem-1043	89	11	provide	provide	VERB
fbem-1043	89	12	customers	customer	NOUN
fbem-1043	89	13	with	with	ADP
fbem-1043	89	14	a	a	DET
fbem-1043	89	15	great	great	ADJ
fbem-1043	89	16	rate	rate	NOUN
fbem-1043	89	17	of	of	ADP
fbem-1043	89	18	convenient	convenient	ADJ
fbem-1043	89	19	usage	usage	NOUN
fbem-1043	89	20	of	of	ADP
fbem-1043	89	21	credit	credit	NOUN
fbem-1043	89	22	associated	associate	VERB
fbem-1043	89	23	with	with	ADP
fbem-1043	89	24	revolving	revolve	VERB
fbem-1043	89	25	using	use	VERB
fbem-1043	89	26	epayment	epayment	NOUN
fbem-1043	89	27	,	,	PUNCT
fbem-1043	89	28	which	which	PRON
fbem-1043	89	29	indicates	indicate	VERB
fbem-1043	89	30	the	the	DET
fbem-1043	89	31	e	e	NOUN
fbem-1043	89	32	-	-	NOUN
fbem-1043	89	33	payment	payment	NOUN
fbem-1043	89	34	’	'	PUNCT
fbem-1043	89	35	benefits	benefit	NOUN
fbem-1043	89	36	as	as	ADP
fbem-1043	89	37	a	a	DET
fbem-1043	89	38	transactional	transactional	ADJ
fbem-1043	89	39	e	e	NOUN
fbem-1043	89	40	-	-	NOUN
fbem-1043	89	41	payment	payment	NOUN
fbem-1043	89	42	platform	platform	NOUN
fbem-1043	89	43	.	.	PUNCT
fbem-1043	90	1	the	the	DET
fbem-1043	90	2	e	e	NOUN
fbem-1043	90	3	-	-	NOUN
fbem-1043	90	4	payment	payment	NOUN
fbem-1043	90	5	’	'	PUNCT
fbem-1043	90	6	benefits	benefit	NOUN
fbem-1043	90	7	originate	originate	VERB
fbem-1043	90	8	from	from	ADP
fbem-1043	90	9	two	two	NUM
fbem-1043	90	10	fundamental	fundamental	ADJ
fbem-1043	90	11	sources	source	NOUN
fbem-1043	90	12	(	(	PUNCT
fbem-1043	90	13	okifo	okifo	PROPN
fbem-1043	90	14	and	and	CCONJ
fbem-1043	90	15	igbunu	igbunu	ADJ
fbem-1043	90	16	2015	2015	NUM
fbem-1043	90	17	)	)	PUNCT
fbem-1043	90	18	.	.	PUNCT
fbem-1043	91	1	the	the	DET
fbem-1043	91	2	first	first	ADJ
fbem-1043	91	3	fundamental	fundamental	ADJ
fbem-1043	91	4	source	source	NOUN
fbem-1043	91	5	is	be	AUX
fbem-1043	91	6	that	that	SCONJ
fbem-1043	91	7	the	the	DET
fbem-1043	91	8	e	e	NOUN
fbem-1043	91	9	-	-	NOUN
fbem-1043	91	10	payment	payment	NOUN
fbem-1043	91	11	’	'	PUNCT
fbem-1043	91	12	benefits	benefit	NOUN
fbem-1043	91	13	ensure	ensure	VERB
fbem-1043	91	14	customers	customer	NOUN
fbem-1043	91	15	minimizing	minimize	VERB
fbem-1043	91	16	their	their	PRON
fbem-1043	91	17	cash	cash	NOUN
fbem-1043	91	18	balances	balance	NOUN
fbem-1043	91	19	,	,	PUNCT
fbem-1043	91	20	which	which	PRON
fbem-1043	91	21	permits	permit	VERB
fbem-1043	91	22	customers	customer	NOUN
fbem-1043	91	23	to	to	PART
fbem-1043	91	24	transfer	transfer	VERB
fbem-1043	91	25	their	their	PRON
fbem-1043	91	26	assets	asset	NOUN
fbem-1043	91	27	into	into	ADP
fbem-1043	91	28	investments	investment	NOUN
fbem-1043	91	29	with	with	ADP
fbem-1043	91	30	greater	great	ADJ
fbem-1043	91	31	returns	return	NOUN
fbem-1043	91	32	(	(	PUNCT
fbem-1043	91	33	okifo	okifo	NOUN
fbem-1043	91	34	and	and	CCONJ
fbem-1043	91	35	igbunu	igbunu	ADJ
fbem-1043	91	36	2015	2015	NUM
fbem-1043	91	37	)	)	PUNCT
fbem-1043	91	38	.	.	PUNCT
fbem-1043	92	1	the	the	DET
fbem-1043	92	2	second	second	ADJ
fbem-1043	92	3	fundamental	fundamental	ADJ
fbem-1043	92	4	source	source	NOUN
fbem-1043	92	5	is	be	AUX
fbem-1043	92	6	that	that	SCONJ
fbem-1043	92	7	the	the	DET
fbem-1043	92	8	e	e	NOUN
fbem-1043	92	9	-	-	NOUN
fbem-1043	92	10	payment	payment	NOUN
fbem-1043	92	11	’	'	PUNCT
fbem-1043	92	12	benefits	benefit	NOUN
fbem-1043	92	13	can	can	AUX
fbem-1043	92	14	achieve	achieve	VERB
fbem-1043	92	15	convenience	convenience	NOUN
fbem-1043	92	16	of	of	ADP
fbem-1043	92	17	applying	apply	VERB
fbem-1043	92	18	e	e	NOUN
fbem-1043	92	19	-	-	NOUN
fbem-1043	92	20	payment	payment	NOUN
fbem-1043	92	21	as	as	ADP
fbem-1043	92	22	a	a	DET
fbem-1043	92	23	platform	platform	NOUN
fbem-1043	92	24	to	to	PART
fbem-1043	92	25	support	support	VERB
fbem-1043	92	26	transactions	transaction	NOUN
fbem-1043	92	27	(	(	PUNCT
fbem-1043	92	28	okifo	okifo	ADJ
fbem-1043	92	29	and	and	CCONJ
fbem-1043	92	30	igbunu	igbunu	ADJ
fbem-1043	92	31	2015	2015	NUM
fbem-1043	92	32	)	)	PUNCT
fbem-1043	92	33	.	.	PUNCT
fbem-1043	93	1	meanwhile	meanwhile	ADV
fbem-1043	93	2	,	,	PUNCT
fbem-1043	93	3	offering	offer	VERB
fbem-1043	93	4	customers	customer	NOUN
fbem-1043	93	5	with	with	ADP
fbem-1043	93	6	a	a	DET
fbem-1043	93	7	convenient	convenient	ADJ
fbem-1043	93	8	epayment	epayment	NOUN
fbem-1043	93	9	can	can	AUX
fbem-1043	93	10	enable	enable	VERB
fbem-1043	93	11	their	their	PRON
fbem-1043	93	12	abilities	ability	NOUN
fbem-1043	93	13	to	to	PART
fbem-1043	93	14	transport	transport	VERB
fbem-1043	93	15	,	,	PUNCT
fbem-1043	93	16	store	store	VERB
fbem-1043	93	17	and	and	CCONJ
fbem-1043	93	18	spend	spend	VERB
fbem-1043	93	19	a	a	DET
fbem-1043	93	20	currency	currency	NOUN
fbem-1043	93	21	value	value	NOUN
fbem-1043	93	22	by	by	ADP
fbem-1043	93	23	using	use	VERB
fbem-1043	93	24	e	e	NOUN
fbem-1043	93	25	-	-	NOUN
fbem-1043	93	26	payment	payment	NOUN
fbem-1043	93	27	,	,	PUNCT
fbem-1043	93	28	and	and	CCONJ
fbem-1043	93	29	other	other	ADJ
fbem-1043	93	30	important	important	ADJ
fbem-1043	93	31	benefits	benefit	NOUN
fbem-1043	93	32	of	of	ADP
fbem-1043	93	33	using	use	VERB
fbem-1043	93	34	e	e	NOUN
fbem-1043	93	35	-	-	NOUN
fbem-1043	93	36	payment	payment	NOUN
fbem-1043	93	37	involve	involve	VERB
fbem-1043	93	38	cost	cost	NOUN
fbem-1043	93	39	savings	saving	NOUN
fbem-1043	93	40	and	and	CCONJ
fbem-1043	93	41	time	time	NOUN
fbem-1043	93	42	savings	saving	NOUN
fbem-1043	93	43	.	.	PUNCT
fbem-1043	94	1	but	but	CCONJ
fbem-1043	94	2	it	it	PRON
fbem-1043	94	3	raises	raise	VERB
fbem-1043	94	4	a	a	DET
fbem-1043	94	5	question	question	NOUN
fbem-1043	94	6	whether	whether	SCONJ
fbem-1043	94	7	e	e	NOUN
fbem-1043	94	8	-	-	NOUN
fbem-1043	94	9	payment	payment	NOUN
fbem-1043	94	10	can	can	AUX
fbem-1043	94	11	sustain	sustain	VERB
fbem-1043	94	12	its	its	PRON
fbem-1043	94	13	benefits	benefit	NOUN
fbem-1043	94	14	of	of	ADP
fbem-1043	94	15	cost	cost	NOUN
fbem-1043	94	16	savings	saving	NOUN
fbem-1043	94	17	and	and	CCONJ
fbem-1043	94	18	time	time	NOUN
fbem-1043	94	19	savings	saving	NOUN
fbem-1043	94	20	.	.	PUNCT
fbem-1043	95	1	for	for	ADP
fbem-1043	95	2	instance	instance	NOUN
fbem-1043	95	3	,	,	PUNCT
fbem-1043	95	4	gholami	gholami	PROPN
fbem-1043	95	5	et	et	PROPN
fbem-1043	95	6	al	al	PROPN
fbem-1043	95	7	.	.	PUNCT
fbem-1043	96	1	(	(	PUNCT
fbem-1043	96	2	2010	2010	NUM
fbem-1043	96	3	)	)	PUNCT
fbem-1043	96	4	have	have	AUX
fbem-1043	96	5	contended	contend	VERB
fbem-1043	96	6	that	that	SCONJ
fbem-1043	96	7	using	use	VERB
fbem-1043	96	8	epayment	epayment	NOUN
fbem-1043	96	9	may	may	AUX
fbem-1043	96	10	be	be	AUX
fbem-1043	96	11	difficult	difficult	ADJ
fbem-1043	96	12	regarding	regard	VERB
fbem-1043	96	13	learning	learn	VERB
fbem-1043	96	14	how	how	SCONJ
fbem-1043	96	15	to	to	PART
fbem-1043	96	16	use	use	VERB
fbem-1043	96	17	the	the	DET
fbem-1043	96	18	new	new	ADJ
fbem-1043	96	19	technologies	technology	NOUN
fbem-1043	96	20	and	and	CCONJ
fbem-1043	96	21	internet	internet	NOUN
fbem-1043	96	22	.	.	PUNCT
fbem-1043	97	1	2.2.2	2.2.2	X
fbem-1043	97	2	.	.	X
fbem-1043	98	1	e	e	X
fbem-1043	98	2	-	-	NOUN
fbem-1043	98	3	payment	payment	NOUN
fbem-1043	98	4	trust	trust	NOUN
fbem-1043	98	5	and	and	CCONJ
fbem-1043	98	6	security	security	NOUN
fbem-1043	98	7	customers	customer	NOUN
fbem-1043	98	8	’	'	PUNCT
fbem-1043	98	9	perceived	perceive	VERB
fbem-1043	98	10	trust	trust	NOUN
fbem-1043	98	11	in	in	ADP
fbem-1043	98	12	e	e	NOUN
fbem-1043	98	13	-	-	NOUN
fbem-1043	98	14	payment	payment	NOUN
fbem-1043	98	15	is	be	AUX
fbem-1043	98	16	understood	understand	VERB
fbem-1043	98	17	as	as	ADP
fbem-1043	98	18	their	their	PRON
fbem-1043	98	19	opinions	opinion	NOUN
fbem-1043	98	20	that	that	SCONJ
fbem-1043	98	21	transactions	transaction	NOUN
fbem-1043	98	22	of	of	ADP
fbem-1043	98	23	e	e	NOUN
fbem-1043	98	24	-	-	NOUN
fbem-1043	98	25	payment	payment	NOUN
fbem-1043	98	26	will	will	AUX
fbem-1043	98	27	be	be	AUX
fbem-1043	98	28	completed	complete	VERB
fbem-1043	98	29	based	base	VERB
fbem-1043	98	30	on	on	ADP
fbem-1043	98	31	their	their	PRON
fbem-1043	98	32	expectations	expectation	NOUN
fbem-1043	98	33	.	.	PUNCT
fbem-1043	99	1	the	the	DET
fbem-1043	99	2	customer	customer	NOUN
fbem-1043	99	3	’s	’s	PART
fbem-1043	99	4	decision	decision	NOUN
fbem-1043	99	5	to	to	PART
fbem-1043	99	6	adopt	adopt	VERB
fbem-1043	99	7	e	e	NOUN
fbem-1043	99	8	-	-	NOUN
fbem-1043	99	9	payment	payment	NOUN
fbem-1043	99	10	is	be	AUX
fbem-1043	99	11	caused	cause	VERB
fbem-1043	99	12	by	by	ADP
fbem-1043	99	13	the	the	DET
fbem-1043	99	14	personal	personal	ADJ
fbem-1043	99	15	assessment	assessment	NOUN
fbem-1043	99	16	of	of	ADP
fbem-1043	99	17	the	the	DET
fbem-1043	99	18	trustworthiness	trustworthiness	NOUN
fbem-1043	99	19	towards	towards	ADP
fbem-1043	99	20	the	the	DET
fbem-1043	99	21	e	e	NOUN
fbem-1043	99	22	-	-	NOUN
fbem-1043	99	23	payment	payment	NOUN
fbem-1043	99	24	system	system	NOUN
fbem-1043	99	25	.	.	PUNCT
fbem-1043	100	1	it	it	PRON
fbem-1043	100	2	is	be	AUX
fbem-1043	100	3	contended	contend	VERB
fbem-1043	100	4	that	that	SCONJ
fbem-1043	100	5	merchants	merchant	NOUN
fbem-1043	100	6	and	and	CCONJ
fbem-1043	100	7	customers	customer	NOUN
fbem-1043	100	8	are	be	AUX
fbem-1043	100	9	more	more	ADV
fbem-1043	100	10	possible	possible	ADJ
fbem-1043	100	11	to	to	PART
fbem-1043	100	12	adopt	adopt	VERB
fbem-1043	100	13	an	an	DET
fbem-1043	100	14	insecure	insecure	ADJ
fbem-1043	100	15	e	e	NOUN
fbem-1043	100	16	-	-	ADJ
fbem-1043	100	17	payment	payment	ADJ
fbem-1043	100	18	system	system	NOUN
fbem-1043	100	19	which	which	PRON
fbem-1043	100	20	is	be	AUX
fbem-1043	100	21	provided	provide	VERB
fbem-1043	100	22	by	by	ADP
fbem-1043	100	23	a	a	DET
fbem-1043	100	24	trusted	trust	VERB
fbem-1043	100	25	organization	organization	NOUN
fbem-1043	100	26	compared	compare	VERB
fbem-1043	100	27	to	to	ADP
fbem-1043	100	28	using	use	VERB
fbem-1043	100	29	a	a	DET
fbem-1043	100	30	secure	secure	ADJ
fbem-1043	100	31	e	e	NOUN
fbem-1043	100	32	-	-	ADJ
fbem-1043	100	33	payment	payment	ADJ
fbem-1043	100	34	system	system	NOUN
fbem-1043	100	35	which	which	PRON
fbem-1043	100	36	is	be	AUX
fbem-1043	100	37	provided	provide	VERB
fbem-1043	100	38	by	by	ADP
fbem-1043	100	39	untrusted	untrusted	ADJ
fbem-1043	100	40	organization	organization	NOUN
fbem-1043	100	41	(	(	PUNCT
fbem-1043	100	42	teoh	teoh	PROPN
fbem-1043	100	43	et	et	PROPN
fbem-1043	100	44	al	al	PROPN
fbem-1043	100	45	.	.	PROPN
fbem-1043	100	46	2013	2013	NUM
fbem-1043	100	47	)	)	PUNCT
fbem-1043	100	48	.	.	PUNCT
fbem-1043	101	1	trust	trust	NOUN
fbem-1043	101	2	towards	towards	ADP
fbem-1043	101	3	e	e	NOUN
fbem-1043	101	4	-	-	NOUN
fbem-1043	101	5	payment	payment	NOUN
fbem-1043	101	6	system	system	NOUN
fbem-1043	101	7	is	be	AUX
fbem-1043	101	8	important	important	ADJ
fbem-1043	101	9	to	to	PART
fbem-1043	101	10	encourage	encourage	VERB
fbem-1043	101	11	customers	customer	NOUN
fbem-1043	101	12	to	to	PART
fbem-1043	101	13	use	use	VERB
fbem-1043	101	14	the	the	DET
fbem-1043	101	15	epayment	epayment	ADJ
fbem-1043	101	16	system	system	NOUN
fbem-1043	101	17	.	.	PUNCT
fbem-1043	102	1	scholars	scholar	NOUN
fbem-1043	102	2	propose	propose	VERB
fbem-1043	102	3	that	that	SCONJ
fbem-1043	102	4	the	the	DET
fbem-1043	102	5	risk	risk	NOUN
fbem-1043	102	6	appetite	appetite	NOUN
fbem-1043	102	7	and	and	CCONJ
fbem-1043	102	8	trust	trust	NOUN
fbem-1043	102	9	are	be	AUX
fbem-1043	102	10	the	the	DET
fbem-1043	102	11	two	two	NUM
fbem-1043	102	12	important	important	ADJ
fbem-1043	102	13	components	component	NOUN
fbem-1043	102	14	to	to	PART
fbem-1043	102	15	influence	influence	VERB
fbem-1043	102	16	the	the	DET
fbem-1043	102	17	adoption	adoption	NOUN
fbem-1043	102	18	of	of	ADP
fbem-1043	102	19	e	e	NOUN
fbem-1043	102	20	-	-	NOUN
fbem-1043	102	21	payment	payment	NOUN
fbem-1043	102	22	system	system	NOUN
fbem-1043	102	23	.	.	PUNCT
fbem-1043	103	1	furthermore	furthermore	ADV
fbem-1043	103	2	,	,	PUNCT
fbem-1043	103	3	some	some	DET
fbem-1043	103	4	scholars	scholar	NOUN
fbem-1043	103	5	propose	propose	VERB
fbem-1043	103	6	that	that	SCONJ
fbem-1043	103	7	compared	compare	VERB
fbem-1043	103	8	to	to	ADP
fbem-1043	103	9	security	security	NOUN
fbem-1043	103	10	,	,	PUNCT
fbem-1043	103	11	trust	trust	NOUN
fbem-1043	103	12	is	be	AUX
fbem-1043	103	13	a	a	DET
fbem-1043	103	14	more	more	ADV
fbem-1043	103	15	important	important	ADJ
fbem-1043	103	16	factor	factor	NOUN
fbem-1043	103	17	to	to	PART
fbem-1043	103	18	determine	determine	VERB
fbem-1043	103	19	the	the	DET
fbem-1043	103	20	usage	usage	NOUN
fbem-1043	103	21	of	of	ADP
fbem-1043	103	22	e	e	NOUN
fbem-1043	103	23	-	-	NOUN
fbem-1043	103	24	payment	payment	NOUN
fbem-1043	103	25	system	system	NOUN
fbem-1043	103	26	such	such	ADJ
fbem-1043	103	27	as	as	ADP
fbem-1043	103	28	kim	kim	PROPN
fbem-1043	103	29	et	et	PROPN
fbem-1043	103	30	al	al	PROPN
fbem-1043	103	31	(	(	PUNCT
fbem-1043	103	32	2010	2010	NUM
fbem-1043	103	33	)	)	PUNCT
fbem-1043	103	34	.	.	PUNCT
fbem-1043	104	1	trust	trust	NOUN
fbem-1043	104	2	plays	play	VERB
fbem-1043	104	3	an	an	DET
fbem-1043	104	4	important	important	ADJ
fbem-1043	104	5	role	role	NOUN
fbem-1043	104	6	in	in	ADP
fbem-1043	104	7	various	various	ADJ
fbem-1043	104	8	economic	economic	ADJ
fbem-1043	104	9	activities	activity	NOUN
fbem-1043	104	10	which	which	PRON
fbem-1043	104	11	can	can	AUX
fbem-1043	104	12	better	well	ADV
fbem-1043	104	13	address	address	VERB
fbem-1043	104	14	uncertainty	uncertainty	NOUN
fbem-1043	104	15	associated	associate	VERB
fbem-1043	104	16	with	with	ADP
fbem-1043	104	17	their	their	PRON
fbem-1043	104	18	results	result	NOUN
fbem-1043	104	19	.	.	PUNCT
fbem-1043	105	1	while	while	SCONJ
fbem-1043	105	2	using	use	VERB
fbem-1043	105	3	the	the	DET
fbem-1043	105	4	e	e	NOUN
fbem-1043	105	5	-	-	NOUN
fbem-1043	105	6	payment	payment	NOUN
fbem-1043	105	7	system	system	NOUN
fbem-1043	105	8	,	,	PUNCT
fbem-1043	105	9	customers	customer	NOUN
fbem-1043	105	10	perceive	perceive	VERB
fbem-1043	105	11	great	great	ADJ
fbem-1043	105	12	risks	risk	NOUN
fbem-1043	105	13	largely	largely	ADV
fbem-1043	105	14	because	because	SCONJ
fbem-1043	105	15	of	of	ADP
fbem-1043	105	16	lacking	lack	VERB
fbem-1043	105	17	face	face	NOUN
fbem-1043	105	18	-	-	PUNCT
fbem-1043	105	19	to	to	ADP
fbem-1043	105	20	-	-	PUNCT
fbem-1043	105	21	face	face	NOUN
fbem-1043	105	22	communication	communication	NOUN
fbem-1043	105	23	.	.	PUNCT
fbem-1043	106	1	trust	trust	NOUN
fbem-1043	106	2	will	will	AUX
fbem-1043	106	3	improve	improve	VERB
fbem-1043	106	4	customers	customer	NOUN
fbem-1043	106	5	’	'	PUNCT
fbem-1043	106	6	perceived	perceive	VERB
fbem-1043	106	7	certainty	certainty	NOUN
fbem-1043	106	8	related	relate	VERB
fbem-1043	106	9	to	to	ADP
fbem-1043	106	10	the	the	DET
fbem-1043	106	11	e	e	NOUN
fbem-1043	106	12	-	-	NOUN
fbem-1043	106	13	payment	payment	NOUN
fbem-1043	106	14	’s	’s	PART
fbem-1043	106	15	expected	expect	VERB
fbem-1043	106	16	behaviors	behavior	NOUN
fbem-1043	106	17	and	and	CCONJ
fbem-1043	106	18	decrease	decrease	VERB
fbem-1043	106	19	the	the	DET
fbem-1043	106	20	concerns	concern	NOUN
fbem-1043	106	21	of	of	ADP
fbem-1043	106	22	being	be	AUX
fbem-1043	106	23	exploited	exploit	VERB
fbem-1043	106	24	,	,	PUNCT
fbem-1043	106	25	particularly	particularly	ADV
fbem-1043	106	26	while	while	SCONJ
fbem-1043	106	27	the	the	DET
fbem-1043	106	28	interaction	interaction	NOUN
fbem-1043	106	29	between	between	ADP
fbem-1043	106	30	merchants	merchant	NOUN
fbem-1043	106	31	and	and	CCONJ
fbem-1043	106	32	customers	customer	NOUN
fbem-1043	106	33	including	include	VERB
fbem-1043	106	34	risks	risk	NOUN
fbem-1043	106	35	(	(	PUNCT
fbem-1043	106	36	fatonah	fatonah	PROPN
fbem-1043	106	37	et	et	PROPN
fbem-1043	106	38	al	al	PROPN
fbem-1043	106	39	.	.	PROPN
fbem-1043	106	40	2018	2018	NUM
fbem-1043	106	41	)	)	PUNCT
fbem-1043	106	42	.	.	PUNCT
fbem-1043	107	1	in	in	ADP
fbem-1043	107	2	the	the	DET
fbem-1043	107	3	e	e	NOUN
fbem-1043	107	4	-	-	NOUN
fbem-1043	107	5	payment	payment	NOUN
fbem-1043	107	6	system	system	NOUN
fbem-1043	107	7	,	,	PUNCT
fbem-1043	107	8	trust	trust	NOUN
fbem-1043	107	9	is	be	AUX
fbem-1043	107	10	important	important	ADJ
fbem-1043	107	11	to	to	PART
fbem-1043	107	12	decrease	decrease	VERB
fbem-1043	107	13	the	the	DET
fbem-1043	107	14	financial	financial	ADJ
fbem-1043	107	15	transactions	transaction	NOUN
fbem-1043	107	16	’	'	PUNCT
fbem-1043	107	17	uncertainty	uncertainty	NOUN
fbem-1043	107	18	in	in	ADP
fbem-1043	107	19	order	order	NOUN
fbem-1043	107	20	to	to	PART
fbem-1043	107	21	motivate	motivate	VERB
fbem-1043	107	22	customers	customer	NOUN
fbem-1043	107	23	to	to	PART
fbem-1043	107	24	use	use	VERB
fbem-1043	107	25	the	the	DET
fbem-1043	107	26	e	e	NOUN
fbem-1043	107	27	-	-	NOUN
fbem-1043	107	28	payment	payment	NOUN
fbem-1043	107	29	system	system	NOUN
fbem-1043	107	30	(	(	PUNCT
fbem-1043	107	31	teoh	teoh	PROPN
fbem-1043	107	32	et	et	PROPN
fbem-1043	107	33	al	al	PROPN
fbem-1043	107	34	.	.	PROPN
fbem-1043	107	35	2013	2013	NUM
fbem-1043	107	36	)	)	PUNCT
fbem-1043	107	37	.	.	PUNCT
fbem-1043	108	1	in	in	ADP
fbem-1043	108	2	the	the	DET
fbem-1043	108	3	e	e	NOUN
fbem-1043	108	4	-	-	NOUN
fbem-1043	108	5	payment	payment	NOUN
fbem-1043	108	6	system	system	NOUN
fbem-1043	108	7	,	,	PUNCT
fbem-1043	108	8	customers	customer	NOUN
fbem-1043	108	9	’	'	PUNCT
fbem-1043	108	10	trust	trust	NOUN
fbem-1043	108	11	positively	positively	ADV
fbem-1043	108	12	influences	influence	VERB
fbem-1043	108	13	their	their	PRON
fbem-1043	108	14	continuous	continuous	ADJ
fbem-1043	108	15	usage	usage	NOUN
fbem-1043	108	16	intention	intention	NOUN
fbem-1043	108	17	of	of	ADP
fbem-1043	108	18	epayment	epayment	NOUN
fbem-1043	108	19	.	.	PUNCT
fbem-1043	109	1	perceived	perceive	VERB
fbem-1043	109	2	security	security	NOUN
fbem-1043	109	3	is	be	AUX
fbem-1043	109	4	understood	understand	VERB
fbem-1043	109	5	as	as	ADP
fbem-1043	109	6	the	the	DET
fbem-1043	109	7	customer	customer	NOUN
fbem-1043	109	8	’s	’s	PART
fbem-1043	109	9	personal	personal	ADJ
fbem-1043	109	10	assessment	assessment	NOUN
fbem-1043	109	11	and	and	CCONJ
fbem-1043	109	12	experience	experience	NOUN
fbem-1043	109	13	related	relate	VERB
fbem-1043	109	14	to	to	ADP
fbem-1043	109	15	the	the	DET
fbem-1043	109	16	security	security	NOUN
fbem-1043	109	17	of	of	ADP
fbem-1043	109	18	epayment	epayment	ADJ
fbem-1043	109	19	system	system	NOUN
fbem-1043	109	20	.	.	PUNCT
fbem-1043	110	1	perceived	perceive	VERB
fbem-1043	110	2	security	security	NOUN
fbem-1043	110	3	can	can	AUX
fbem-1043	110	4	be	be	AUX
fbem-1043	110	5	defined	define	VERB
fbem-1043	110	6	as	as	ADP
fbem-1043	110	7	the	the	DET
fbem-1043	110	8	subjective	subjective	ADJ
fbem-1043	110	9	likelihood	likelihood	NOUN
fbem-1043	110	10	with	with	ADP
fbem-1043	110	11	which	which	PRON
fbem-1043	110	12	customers	customer	NOUN
fbem-1043	110	13	think	think	VERB
fbem-1043	110	14	that	that	SCONJ
fbem-1043	110	15	their	their	PRON
fbem-1043	110	16	privacy	privacy	NOUN
fbem-1043	110	17	will	will	AUX
fbem-1043	110	18	not	not	PART
fbem-1043	110	19	be	be	AUX
fbem-1043	110	20	manipulated	manipulate	VERB
fbem-1043	110	21	,	,	PUNCT
fbem-1043	110	22	stored	store	VERB
fbem-1043	110	23	or	or	CCONJ
fbem-1043	110	24	scanned	scan	VERB
fbem-1043	110	25	during	during	ADP
fbem-1043	110	26	the	the	DET
fbem-1043	110	27	process	process	NOUN
fbem-1043	110	28	of	of	ADP
fbem-1043	110	29	storing	store	VERB
fbem-1043	110	30	and	and	CCONJ
fbem-1043	110	31	transiting	transit	VERB
fbem-1043	110	32	through	through	ADP
fbem-1043	110	33	improper	improper	ADJ
fbem-1043	110	34	parties	party	NOUN
fbem-1043	110	35	.	.	PUNCT
fbem-1043	111	1	the	the	DET
fbem-1043	111	2	e	e	NOUN
fbem-1043	111	3	-	-	ADJ
fbem-1043	111	4	payment	payment	NOUN
fbem-1043	111	5	system	system	NOUN
fbem-1043	111	6	is	be	AUX
fbem-1043	111	7	actually	actually	ADV
fbem-1043	111	8	related	relate	VERB
fbem-1043	111	9	to	to	ADP
fbem-1043	111	10	the	the	DET
fbem-1043	111	11	technical	technical	ADJ
fbem-1043	111	12	dimensions	dimension	NOUN
fbem-1043	111	13	which	which	PRON
fbem-1043	111	14	enable	enable	VERB
fbem-1043	111	15	the	the	DET
fbem-1043	111	16	major	major	ADJ
fbem-1043	111	17	aspects	aspect	NOUN
fbem-1043	111	18	of	of	ADP
fbem-1043	111	19	security	security	NOUN
fbem-1043	111	20	,	,	PUNCT
fbem-1043	111	21	including	include	VERB
fbem-1043	111	22	non	non	NOUN
fbem-1043	111	23	-	-	NOUN
fbem-1043	111	24	recognition	recognition	ADJ
fbem-1043	111	25	,	,	PUNCT
fbem-1043	111	26	authentication	authentication	NOUN
fbem-1043	111	27	,	,	PUNCT
fbem-1043	111	28	confidentiality	confidentiality	NOUN
fbem-1043	111	29	,	,	PUNCT
fbem-1043	111	30	and	and	CCONJ
fbem-1043	111	31	integrity	integrity	NOUN
fbem-1043	111	32	of	of	ADP
fbem-1043	111	33	transactions	transaction	NOUN
fbem-1043	111	34	(	(	PUNCT
fbem-1043	111	35	fatonah	fatonah	PROPN
fbem-1043	111	36	et	et	PROPN
fbem-1043	111	37	al	al	PROPN
fbem-1043	111	38	.	.	PROPN
fbem-1043	111	39	2018	2018	NUM
fbem-1043	111	40	)	)	PUNCT
fbem-1043	111	41	.	.	PUNCT
fbem-1043	112	1	the	the	DET
fbem-1043	112	2	level	level	NOUN
fbem-1043	112	3	of	of	ADP
fbem-1043	112	4	expertise	expertise	NOUN
fbem-1043	112	5	and	and	CCONJ
fbem-1043	112	6	knowledge	knowledge	NOUN
fbem-1043	112	7	of	of	ADP
fbem-1043	112	8	the	the	DET
fbem-1043	112	9	customers	customer	NOUN
fbem-1043	112	10	accomplished	accomplish	VERB
fbem-1043	112	11	with	with	ADP
fbem-1043	112	12	their	their	PRON
fbem-1043	112	13	previous	previous	ADJ
fbem-1043	112	14	experience	experience	NOUN
fbem-1043	112	15	in	in	ADP
fbem-1043	112	16	terms	term	NOUN
fbem-1043	112	17	of	of	ADP
fbem-1043	112	18	using	use	VERB
fbem-1043	112	19	similar	similar	ADJ
fbem-1043	112	20	epayment	epayment	NOUN
fbem-1043	112	21	system	system	NOUN
fbem-1043	112	22	will	will	AUX
fbem-1043	112	23	impact	impact	VERB
fbem-1043	112	24	their	their	PRON
fbem-1043	112	25	expectations	expectation	NOUN
fbem-1043	112	26	of	of	ADP
fbem-1043	112	27	using	use	VERB
fbem-1043	112	28	epayment	epayment	ADJ
fbem-1043	112	29	systems	system	NOUN
fbem-1043	112	30	.	.	PUNCT
fbem-1043	113	1	this	this	PRON
fbem-1043	113	2	is	be	AUX
fbem-1043	113	3	comparatively	comparatively	ADV
fbem-1043	113	4	true	true	ADJ
fbem-1043	113	5	in	in	ADP
fbem-1043	113	6	the	the	DET
fbem-1043	113	7	context	context	NOUN
fbem-1043	113	8	of	of	ADP
fbem-1043	113	9	e	e	NOUN
fbem-1043	113	10	-	-	NOUN
fbem-1043	113	11	payment	payment	NOUN
fbem-1043	113	12	system	system	NOUN
fbem-1043	113	13	offering	offer	VERB
fbem-1043	113	14	assurances	assurance	NOUN
fbem-1043	113	15	to	to	PART
fbem-1043	113	16	satisfy	satisfy	VERB
fbem-1043	113	17	security	security	NOUN
fbem-1043	113	18	demands	demand	NOUN
fbem-1043	113	19	of	of	ADP
fbem-1043	113	20	customers	customer	NOUN
fbem-1043	113	21	.	.	PUNCT
fbem-1043	114	1	customers	customer	NOUN
fbem-1043	114	2	’	'	PUNCT
fbem-1043	114	3	perceived	perceive	VERB
fbem-1043	114	4	security	security	NOUN
fbem-1043	114	5	plays	play	VERB
fbem-1043	114	6	a	a	DET
fbem-1043	114	7	direct	direct	ADJ
fbem-1043	114	8	influence	influence	NOUN
fbem-1043	114	9	on	on	ADP
fbem-1043	114	10	their	their	PRON
fbem-1043	114	11	adoption	adoption	NOUN
fbem-1043	114	12	of	of	ADP
fbem-1043	114	13	e	e	NOUN
fbem-1043	114	14	-	-	NOUN
fbem-1043	114	15	payment	payment	NOUN
fbem-1043	114	16	system	system	NOUN
fbem-1043	114	17	largely	largely	ADV
fbem-1043	114	18	because	because	SCONJ
fbem-1043	114	19	of	of	ADP
fbem-1043	114	20	the	the	DET
fbem-1043	114	21	sensitive	sensitive	ADJ
fbem-1043	114	22	services	service	NOUN
fbem-1043	114	23	provided	provide	VERB
fbem-1043	114	24	by	by	ADP
fbem-1043	114	25	e	e	NOUN
fbem-1043	114	26	-	-	NOUN
fbem-1043	114	27	payment	payment	NOUN
fbem-1043	114	28	system	system	NOUN
fbem-1043	114	29	(	(	PUNCT
fbem-1043	114	30	alyabes	alyabe	NOUN
fbem-1043	114	31	and	and	CCONJ
fbem-1043	114	32	alsalloum	alsalloum	NOUN
fbem-1043	114	33	2018	2018	NUM
fbem-1043	114	34	)	)	PUNCT
fbem-1043	114	35	.	.	PUNCT
fbem-1043	115	1	from	from	ADP
fbem-1043	115	2	a	a	DET
fbem-1043	115	3	customer	customer	NOUN
fbem-1043	115	4	’s	’s	PART
fbem-1043	115	5	dimension	dimension	NOUN
fbem-1043	115	6	,	,	PUNCT
fbem-1043	115	7	security	security	NOUN
fbem-1043	115	8	is	be	AUX
fbem-1043	115	9	considered	consider	VERB
fbem-1043	115	10	as	as	ADP
fbem-1043	115	11	an	an	DET
fbem-1043	115	12	essential	essential	ADJ
fbem-1043	115	13	problem	problem	NOUN
fbem-1043	115	14	in	in	ADP
fbem-1043	115	15	depending	depend	VERB
fbem-1043	115	16	on	on	ADP
fbem-1043	115	17	using	use	VERB
fbem-1043	115	18	an	an	DET
fbem-1043	115	19	information	information	NOUN
fbem-1043	115	20	technology	technology	NOUN
fbem-1043	115	21	to	to	PART
fbem-1043	115	22	correctly	correctly	ADV
fbem-1043	115	23	perform	perform	VERB
fbem-1043	115	24	a	a	DET
fbem-1043	115	25	task	task	NOUN
fbem-1043	115	26	.	.	PUNCT
fbem-1043	116	1	preserving	preserve	VERB
fbem-1043	116	2	privacy	privacy	NOUN
fbem-1043	116	3	and	and	CCONJ
fbem-1043	116	4	security	security	NOUN
fbem-1043	116	5	play	play	VERB
fbem-1043	116	6	a	a	DET
fbem-1043	116	7	great	great	ADJ
fbem-1043	116	8	influence	influence	NOUN
fbem-1043	116	9	on	on	ADP
fbem-1043	116	10	customers	customer	NOUN
fbem-1043	116	11	’	'	PUNCT
fbem-1043	116	12	trust	trust	NOUN
fbem-1043	116	13	in	in	ADP
fbem-1043	116	14	terms	term	NOUN
fbem-1043	116	15	of	of	ADP
fbem-1043	116	16	using	use	VERB
fbem-1043	116	17	a	a	DET
fbem-1043	116	18	technology	technology	NOUN
fbem-1043	116	19	.	.	PUNCT
fbem-1043	117	1	concerns	concern	NOUN
fbem-1043	117	2	of	of	ADP
fbem-1043	117	3	privacy	privacy	NOUN
fbem-1043	117	4	invasion	invasion	NOUN
fbem-1043	117	5	and	and	CCONJ
fbem-1043	117	6	hackers	hacker	NOUN
fbem-1043	117	7	will	will	AUX
fbem-1043	117	8	increase	increase	VERB
fbem-1043	117	9	the	the	DET
fbem-1043	117	10	uncertainty	uncertainty	NOUN
fbem-1043	117	11	related	relate	VERB
fbem-1043	117	12	to	to	ADP
fbem-1043	117	13	customers	customer	NOUN
fbem-1043	117	14	’	'	PUNCT
fbem-1043	117	15	unwillingness	unwillingness	NOUN
fbem-1043	117	16	of	of	ADP
fbem-1043	117	17	adopting	adopt	VERB
fbem-1043	117	18	epayment	epayment	ADJ
fbem-1043	117	19	system	system	NOUN
fbem-1043	117	20	.	.	PUNCT
fbem-1043	118	1	more	more	ADV
fbem-1043	118	2	specifically	specifically	ADV
fbem-1043	118	3	,	,	PUNCT
fbem-1043	118	4	e	e	ADJ
fbem-1043	118	5	-	-	ADJ
fbem-1043	118	6	payment	payment	NOUN
fbem-1043	118	7	system	system	NOUN
fbem-1043	118	8	can	can	AUX
fbem-1043	118	9	alleviate	alleviate	VERB
fbem-1043	118	10	customers	customer	NOUN
fbem-1043	118	11	’	'	PUNCT
fbem-1043	118	12	uncertainty	uncertainty	NOUN
fbem-1043	118	13	related	relate	VERB
fbem-1043	118	14	to	to	ADP
fbem-1043	118	15	the	the	DET
fbem-1043	118	16	privacy	privacy	NOUN
fbem-1043	118	17	and	and	CCONJ
fbem-1043	118	18	security	security	NOUN
fbem-1043	118	19	of	of	ADP
fbem-1043	118	20	the	the	DET
fbem-1043	118	21	e	e	NOUN
fbem-1043	118	22	-	-	ADJ
fbem-1043	118	23	payment	payment	NOUN
fbem-1043	118	24	system	system	NOUN
fbem-1043	118	25	’s	’s	PART
fbem-1043	118	26	technological	technological	ADJ
fbem-1043	118	27	services	service	NOUN
fbem-1043	118	28	and	and	CCONJ
fbem-1043	118	29	infrastructure	infrastructure	NOUN
fbem-1043	118	30	through	through	ADP
fbem-1043	118	31	offering	offer	VERB
fbem-1043	118	32	structural	structural	ADJ
fbem-1043	118	33	assurances	assurance	NOUN
fbem-1043	118	34	(	(	PUNCT
fbem-1043	118	35	scherling	scherle	VERB
fbem-1043	118	36	and	and	CCONJ
fbem-1043	118	37	antinoja	antinoja	NOUN
fbem-1043	118	38	2019	2019	NUM
fbem-1043	118	39	)	)	PUNCT
fbem-1043	118	40	.	.	PUNCT
fbem-1043	119	1	2.2.3	2.2.3	NUM
fbem-1043	119	2	.	.	X
fbem-1043	120	1	e	e	X
fbem-1043	120	2	-	-	NOUN
fbem-1043	120	3	payment	payment	NOUN
fbem-1043	120	4	user	user	NOUN
fbem-1043	120	5	friendly	friendly	ADJ
fbem-1043	120	6	various	various	ADJ
fbem-1043	120	7	researched	research	VERB
fbem-1043	120	8	have	have	AUX
fbem-1043	120	9	studied	study	VERB
fbem-1043	120	10	that	that	SCONJ
fbem-1043	120	11	a	a	DET
fbem-1043	120	12	technology	technology	NOUN
fbem-1043	120	13	can	can	AUX
fbem-1043	120	14	be	be	AUX
fbem-1043	120	15	regarded	regard	VERB
fbem-1043	120	16	as	as	ADP
fbem-1043	120	17	more	more	ADJ
fbem-1043	120	18	user	user	NOUN
fbem-1043	120	19	friendly	friendly	ADJ
fbem-1043	120	20	while	while	SCONJ
fbem-1043	120	21	the	the	DET
fbem-1043	120	22	technology	technology	NOUN
fbem-1043	120	23	is	be	AUX
fbem-1043	120	24	easy	easy	ADJ
fbem-1043	120	25	to	to	PART
fbem-1043	120	26	adopt	adopt	VERB
fbem-1043	120	27	(	(	PUNCT
fbem-1043	120	28	garrouch	garrouch	ADJ
fbem-1043	120	29	2021	2021	NUM
fbem-1043	120	30	)	)	PUNCT
fbem-1043	120	31	.	.	PUNCT
fbem-1043	121	1	e	e	X
fbem-1043	121	2	-	-	NOUN
fbem-1043	121	3	payment	payment	NOUN
fbem-1043	121	4	user	user	NOUN
fbem-1043	121	5	friendly	friendly	ADJ
fbem-1043	121	6	can	can	AUX
fbem-1043	121	7	increase	increase	VERB
fbem-1043	121	8	customers	customer	NOUN
fbem-1043	121	9	’	'	PUNCT
fbem-1043	121	10	trust	trust	NOUN
fbem-1043	121	11	levels	level	NOUN
fbem-1043	121	12	since	since	SCONJ
fbem-1043	121	13	it	it	PRON
fbem-1043	121	14	has	have	VERB
fbem-1043	121	15	higher	high	ADJ
fbem-1043	121	16	usability	usability	NOUN
fbem-1043	121	17	to	to	PART
fbem-1043	121	18	decrease	decrease	VERB
fbem-1043	121	19	the	the	DET
fbem-1043	121	20	possibility	possibility	NOUN
fbem-1043	121	21	of	of	ADP
fbem-1043	121	22	error	error	NOUN
fbem-1043	121	23	,	,	PUNCT
fbem-1043	121	24	which	which	PRON
fbem-1043	121	25	is	be	AUX
fbem-1043	121	26	an	an	DET
fbem-1043	121	27	important	important	ADJ
fbem-1043	121	28	dimension	dimension	NOUN
fbem-1043	121	29	while	while	SCONJ
fbem-1043	121	30	offering	offer	VERB
fbem-1043	121	31	online	online	ADJ
fbem-1043	121	32	financial	financial	ADJ
fbem-1043	121	33	services	service	NOUN
fbem-1043	121	34	.	.	PUNCT
fbem-1043	122	1	meanwhile	meanwhile	ADV
fbem-1043	122	2	,	,	PUNCT
fbem-1043	122	3	e	e	NOUN
fbem-1043	122	4	-	-	NOUN
fbem-1043	122	5	payment	payment	NOUN
fbem-1043	122	6	user	user	NOUN
fbem-1043	122	7	friendly	friendly	ADJ
fbem-1043	122	8	contributes	contribute	VERB
fbem-1043	122	9	to	to	ADP
fbem-1043	122	10	decreasing	decrease	VERB
fbem-1043	122	11	customers	customer	NOUN
fbem-1043	122	12	’	’	PART
fbem-1043	122	13	time	time	NOUN
fbem-1043	122	14	to	to	PART
fbem-1043	122	15	afford	afford	VERB
fbem-1043	122	16	transactions	transaction	NOUN
fbem-1043	122	17	and	and	CCONJ
fbem-1043	122	18	having	have	VERB
fbem-1043	122	19	a	a	DET
fbem-1043	122	20	better	well	ADJ
fbem-1043	122	21	understanding	understanding	NOUN
fbem-1043	122	22	of	of	ADP
fbem-1043	122	23	the	the	DET
fbem-1043	122	24	tasks	task	NOUN
fbem-1043	122	25	and	and	CCONJ
fbem-1043	122	26	contents	content	NOUN
fbem-1043	122	27	related	relate	VERB
fbem-1043	122	28	to	to	ADP
fbem-1043	122	29	e	e	NOUN
fbem-1043	122	30	-	-	NOUN
fbem-1043	122	31	payment	payment	NOUN
fbem-1043	122	32	.	.	PUNCT
fbem-1043	123	1	therefore	therefore	ADV
fbem-1043	123	2	,	,	PUNCT
fbem-1043	123	3	e	e	NOUN
fbem-1043	123	4	-	-	NOUN
fbem-1043	123	5	payment	payment	NOUN
fbem-1043	123	6	user	user	NOUN
fbem-1043	123	7	friendly	friendly	ADJ
fbem-1043	123	8	generates	generate	VERB
fbem-1043	123	9	significant	significant	ADJ
fbem-1043	123	10	positive	positive	ADJ
fbem-1043	123	11	influence	influence	NOUN
fbem-1043	123	12	on	on	ADP
fbem-1043	123	13	customers	customer	NOUN
fbem-1043	123	14	’	'	PUNCT
fbem-1043	123	15	desires	desire	NOUN
fbem-1043	123	16	related	relate	VERB
fbem-1043	123	17	to	to	ADP
fbem-1043	123	18	using	use	VERB
fbem-1043	123	19	epayment	epayment	NOUN
fbem-1043	123	20	.	.	PUNCT
fbem-1043	124	1	whether	whether	SCONJ
fbem-1043	124	2	e	e	NOUN
fbem-1043	124	3	-	-	NOUN
fbem-1043	124	4	payment	payment	NOUN
fbem-1043	124	5	user	user	NOUN
fbem-1043	124	6	friendly	friendly	ADJ
fbem-1043	124	7	is	be	AUX
fbem-1043	124	8	essential	essential	ADJ
fbem-1043	124	9	to	to	PART
fbem-1043	124	10	encourage	encourage	VERB
fbem-1043	124	11	customers	customer	NOUN
fbem-1043	124	12	to	to	PART
fbem-1043	124	13	use	use	VERB
fbem-1043	124	14	e	e	NOUN
fbem-1043	124	15	-	-	NOUN
fbem-1043	124	16	payment	payment	NOUN
fbem-1043	124	17	needs	need	NOUN
fbem-1043	124	18	to	to	PART
fbem-1043	124	19	be	be	AUX
fbem-1043	124	20	explored	explore	VERB
fbem-1043	124	21	,	,	PUNCT
fbem-1043	124	22	and	and	CCONJ
fbem-1043	124	23	the	the	DET
fbem-1043	124	24	e	e	NOUN
fbem-1043	124	25	-	-	NOUN
fbem-1043	124	26	payment	payment	NOUN
fbem-1043	124	27	user	user	NOUN
fbem-1043	124	28	friendly	friendly	ADJ
fbem-1043	124	29	can	can	AUX
fbem-1043	124	30	be	be	AUX
fbem-1043	124	31	enhanced	enhance	VERB
fbem-1043	124	32	through	through	ADP
fbem-1043	124	33	continuous	continuous	ADJ
fbem-1043	124	34	innovation	innovation	NOUN
fbem-1043	124	35	to	to	PART
fbem-1043	124	36	satisfy	satisfy	VERB
fbem-1043	124	37	customers	customer	NOUN
fbem-1043	124	38	’	'	PUNCT
fbem-1043	124	39	diverse	diverse	ADJ
fbem-1043	124	40	demands	demand	NOUN
fbem-1043	124	41	such	such	ADJ
fbem-1043	124	42	as	as	ADP
fbem-1043	124	43	offering	offer	VERB
fbem-1043	124	44	various	various	ADJ
fbem-1043	124	45	characteristics	characteristic	NOUN
fbem-1043	124	46	available	available	ADJ
fbem-1043	124	47	on	on	ADP
fbem-1043	124	48	epayment	epayment	NOUN
fbem-1043	124	49	.	.	PUNCT
fbem-1043	125	1	apart	apart	ADV
fbem-1043	125	2	from	from	ADP
fbem-1043	125	3	the	the	DET
fbem-1043	125	4	tasks	task	NOUN
fbem-1043	125	5	and	and	CCONJ
fbem-1043	125	6	contents	content	NOUN
fbem-1043	125	7	of	of	ADP
fbem-1043	125	8	ensuring	ensure	VERB
fbem-1043	125	9	epayment	epayment	ADJ
fbem-1043	125	10	user	user	NOUN
fbem-1043	125	11	friendly	friendly	ADJ
fbem-1043	125	12	,	,	PUNCT
fbem-1043	125	13	e	e	NOUN
fbem-1043	125	14	-	-	NOUN
fbem-1043	125	15	payment	payment	NOUN
fbem-1043	125	16	user	user	NOUN
fbem-1043	125	17	friendly	friendly	ADJ
fbem-1043	125	18	can	can	AUX
fbem-1043	125	19	also	also	ADV
fbem-1043	125	20	be	be	AUX
fbem-1043	125	21	guaranteed	guarantee	VERB
fbem-1043	125	22	by	by	ADP
fbem-1043	125	23	the	the	DET
fbem-1043	125	24	dimensions	dimension	NOUN
fbem-1043	125	25	of	of	ADP
fbem-1043	125	26	the	the	DET
fbem-1043	125	27	propensity	propensity	NOUN
fbem-1043	125	28	,	,	PUNCT
fbem-1043	125	29	colors	color	NOUN
fbem-1043	125	30	,	,	PUNCT
fbem-1043	125	31	graphics	graphic	NOUN
fbem-1043	125	32	and	and	CCONJ
fbem-1043	125	33	quality	quality	NOUN
fbem-1043	125	34	designs	design	NOUN
fbem-1043	125	35	to	to	PART
fbem-1043	125	36	enhance	enhance	VERB
fbem-1043	125	37	e	e	NOUN
fbem-1043	125	38	-	-	NOUN
fbem-1043	125	39	payment	payment	NOUN
fbem-1043	125	40	user	user	NOUN
fbem-1043	125	41	friendly	friendly	ADJ
fbem-1043	125	42	(	(	PUNCT
fbem-1043	125	43	alademomi	alademomi	NOUN
fbem-1043	125	44	et	et	PROPN
fbem-1043	125	45	al	al	PROPN
fbem-1043	125	46	.	.	PROPN
fbem-1043	125	47	2019	2019	NUM
fbem-1043	125	48	)	)	PUNCT
fbem-1043	125	49	.	.	PUNCT
fbem-1043	126	1	more	more	ADV
fbem-1043	126	2	specifically	specifically	ADV
fbem-1043	126	3	,	,	PUNCT
fbem-1043	126	4	epayment	epayment	ADJ
fbem-1043	126	5	user	user	NOUN
fbem-1043	126	6	friendly	friendly	ADJ
fbem-1043	126	7	can	can	AUX
fbem-1043	126	8	be	be	AUX
fbem-1043	126	9	improved	improve	VERB
fbem-1043	126	10	through	through	ADP
fbem-1043	126	11	concentrating	concentrate	VERB
fbem-1043	126	12	4	4	NUM
fbem-1043	126	13	on	on	ADP
fbem-1043	126	14	e	e	NOUN
fbem-1043	126	15	-	-	NOUN
fbem-1043	126	16	payment	payment	NOUN
fbem-1043	126	17	’s	’s	NOUN
fbem-1043	126	18	technical	technical	ADJ
fbem-1043	126	19	functionality	functionality	NOUN
fbem-1043	126	20	and	and	CCONJ
fbem-1043	126	21	design	design	NOUN
fbem-1043	126	22	,	,	PUNCT
fbem-1043	126	23	which	which	PRON
fbem-1043	126	24	can	can	AUX
fbem-1043	126	25	adapt	adapt	VERB
fbem-1043	126	26	customers	customer	NOUN
fbem-1043	126	27	’	'	PUNCT
fbem-1043	126	28	abilities	ability	NOUN
fbem-1043	126	29	of	of	ADP
fbem-1043	126	30	using	use	VERB
fbem-1043	126	31	the	the	DET
fbem-1043	126	32	e	e	NOUN
fbem-1043	126	33	-	-	NOUN
fbem-1043	126	34	payment	payment	NOUN
fbem-1043	126	35	.	.	PUNCT
fbem-1043	127	1	e	e	X
fbem-1043	127	2	-	-	NOUN
fbem-1043	127	3	payment	payment	NOUN
fbem-1043	127	4	user	user	NOUN
fbem-1043	127	5	friendly	friendly	ADJ
fbem-1043	127	6	can	can	AUX
fbem-1043	127	7	be	be	AUX
fbem-1043	127	8	enhanced	enhance	VERB
fbem-1043	127	9	from	from	ADP
fbem-1043	127	10	the	the	DET
fbem-1043	127	11	dimension	dimension	NOUN
fbem-1043	127	12	of	of	ADP
fbem-1043	127	13	design	design	NOUN
fbem-1043	127	14	features	feature	NOUN
fbem-1043	127	15	since	since	SCONJ
fbem-1043	127	16	the	the	DET
fbem-1043	127	17	design	design	NOUN
fbem-1043	127	18	features	feature	NOUN
fbem-1043	127	19	can	can	AUX
fbem-1043	127	20	directly	directly	ADV
fbem-1043	127	21	associate	associate	VERB
fbem-1043	127	22	with	with	ADP
fbem-1043	127	23	perceived	perceive	VERB
fbem-1043	127	24	usefulness	usefulness	NOUN
fbem-1043	127	25	and	and	CCONJ
fbem-1043	127	26	perceived	perceive	VERB
fbem-1043	127	27	ease	ease	NOUN
fbem-1043	127	28	of	of	ADP
fbem-1043	127	29	use	use	NOUN
fbem-1043	127	30	in	in	ADP
fbem-1043	127	31	order	order	NOUN
fbem-1043	127	32	to	to	PART
fbem-1043	127	33	make	make	VERB
fbem-1043	127	34	e	e	NOUN
fbem-1043	127	35	-	-	NOUN
fbem-1043	127	36	payment	payment	NOUN
fbem-1043	127	37	become	become	VERB
fbem-1043	127	38	growingly	growingly	ADV
fbem-1043	127	39	user	user	NOUN
fbem-1043	127	40	friendly	friendly	ADJ
fbem-1043	127	41	(	(	PUNCT
fbem-1043	127	42	mohamad	mohamad	X
fbem-1043	127	43	and	and	CCONJ
fbem-1043	127	44	kassim	kassim	PROPN
fbem-1043	127	45	2017	2017	NUM
fbem-1043	127	46	)	)	PUNCT
fbem-1043	127	47	.	.	PUNCT
fbem-1043	128	1	for	for	ADP
fbem-1043	128	2	instance	instance	NOUN
fbem-1043	128	3	,	,	PUNCT
fbem-1043	128	4	vinitha	vinitha	NOUN
fbem-1043	128	5	and	and	CCONJ
fbem-1043	128	6	vasantha	vasantha	NOUN
fbem-1043	128	7	(	(	PUNCT
fbem-1043	128	8	2017	2017	NUM
fbem-1043	128	9	)	)	PUNCT
fbem-1043	128	10	have	have	AUX
fbem-1043	128	11	demonstrated	demonstrate	VERB
fbem-1043	128	12	that	that	SCONJ
fbem-1043	128	13	customers	customer	NOUN
fbem-1043	128	14	prefer	prefer	VERB
fbem-1043	128	15	to	to	PART
fbem-1043	128	16	use	use	VERB
fbem-1043	128	17	e	e	NOUN
fbem-1043	128	18	-	-	NOUN
fbem-1043	128	19	payment	payment	NOUN
fbem-1043	128	20	and	and	CCONJ
fbem-1043	128	21	enjoy	enjoy	VERB
fbem-1043	128	22	the	the	DET
fbem-1043	128	23	benefits	benefit	NOUN
fbem-1043	128	24	offered	offer	VERB
fbem-1043	128	25	by	by	ADP
fbem-1043	128	26	user	user	NOUN
fbem-1043	128	27	friendly	friendly	ADJ
fbem-1043	128	28	e	e	NOUN
fbem-1043	128	29	-	-	NOUN
fbem-1043	128	30	payment	payment	NOUN
fbem-1043	128	31	.	.	PUNCT
fbem-1043	129	1	the	the	DET
fbem-1043	129	2	user	user	NOUN
fbem-1043	129	3	-	-	PUNCT
fbem-1043	129	4	friendly	friendly	ADJ
fbem-1043	129	5	design	design	NOUN
fbem-1043	129	6	of	of	ADP
fbem-1043	129	7	e	e	NOUN
fbem-1043	129	8	-	-	NOUN
fbem-1043	129	9	payment	payment	NOUN
fbem-1043	129	10	such	such	ADJ
fbem-1043	129	11	as	as	ADP
fbem-1043	129	12	clear	clear	ADJ
fbem-1043	129	13	navigation	navigation	NOUN
fbem-1043	129	14	can	can	AUX
fbem-1043	129	15	encourage	encourage	VERB
fbem-1043	129	16	customers	customer	NOUN
fbem-1043	129	17	’	’	PART
fbem-1043	129	18	adoption	adoption	NOUN
fbem-1043	129	19	of	of	ADP
fbem-1043	129	20	e	e	NOUN
fbem-1043	129	21	-	-	NOUN
fbem-1043	129	22	payment	payment	NOUN
fbem-1043	129	23	since	since	SCONJ
fbem-1043	129	24	user	user	NOUN
fbem-1043	129	25	-	-	PUNCT
fbem-1043	129	26	friendly	friendly	ADJ
fbem-1043	129	27	design	design	NOUN
fbem-1043	129	28	of	of	ADP
fbem-1043	129	29	e	e	NOUN
fbem-1043	129	30	-	-	NOUN
fbem-1043	129	31	payment	payment	NOUN
fbem-1043	129	32	can	can	AUX
fbem-1043	129	33	effectively	effectively	ADV
fbem-1043	129	34	attract	attract	VERB
fbem-1043	129	35	customers	customer	NOUN
fbem-1043	129	36	to	to	PART
fbem-1043	129	37	use	use	VERB
fbem-1043	129	38	e	e	NOUN
fbem-1043	129	39	-	-	NOUN
fbem-1043	129	40	payment	payment	NOUN
fbem-1043	129	41	.	.	PUNCT
fbem-1043	130	1	hence	hence	ADV
fbem-1043	130	2	,	,	PUNCT
fbem-1043	130	3	it	it	PRON
fbem-1043	130	4	can	can	AUX
fbem-1043	130	5	be	be	AUX
fbem-1043	130	6	concluded	conclude	VERB
fbem-1043	130	7	that	that	SCONJ
fbem-1043	130	8	the	the	DET
fbem-1043	130	9	influence	influence	NOUN
fbem-1043	130	10	of	of	ADP
fbem-1043	130	11	e	e	NOUN
fbem-1043	130	12	-	-	NOUN
fbem-1043	130	13	payment	payment	NOUN
fbem-1043	130	14	user	user	NOUN
fbem-1043	130	15	friendly	friendly	ADJ
fbem-1043	130	16	can	can	AUX
fbem-1043	130	17	stimulate	stimulate	VERB
fbem-1043	130	18	customers	customer	NOUN
fbem-1043	130	19	’	'	PUNCT
fbem-1043	130	20	desires	desire	NOUN
fbem-1043	130	21	to	to	PART
fbem-1043	130	22	use	use	VERB
fbem-1043	130	23	e	e	NOUN
fbem-1043	130	24	-	-	NOUN
fbem-1043	130	25	payment	payment	NOUN
fbem-1043	130	26	.	.	PUNCT
fbem-1043	131	1	2.2.4	2.2.4	NUM
fbem-1043	131	2	.	.	X
fbem-1043	132	1	e	e	X
fbem-1043	132	2	-	-	NOUN
fbem-1043	132	3	payment	payment	NOUN
fbem-1043	132	4	technology	technology	NOUN
fbem-1043	132	5	e	e	NOUN
fbem-1043	132	6	-	-	NOUN
fbem-1043	132	7	payment	payment	NOUN
fbem-1043	132	8	technology	technology	NOUN
fbem-1043	132	9	can	can	AUX
fbem-1043	132	10	effectively	effectively	ADV
fbem-1043	132	11	support	support	VERB
fbem-1043	132	12	transaction	transaction	NOUN
fbem-1043	132	13	and	and	CCONJ
fbem-1043	132	14	technical	technical	ADJ
fbem-1043	132	15	procedures	procedure	NOUN
fbem-1043	132	16	which	which	PRON
fbem-1043	132	17	are	be	AUX
fbem-1043	132	18	the	the	DET
fbem-1043	132	19	core	core	NOUN
fbem-1043	132	20	of	of	ADP
fbem-1043	132	21	e	e	NOUN
fbem-1043	132	22	-	-	NOUN
fbem-1043	132	23	payment	payment	NOUN
fbem-1043	132	24	systems	system	NOUN
fbem-1043	132	25	.	.	PUNCT
fbem-1043	133	1	based	base	VERB
fbem-1043	133	2	on	on	ADP
fbem-1043	133	3	support	support	NOUN
fbem-1043	133	4	of	of	ADP
fbem-1043	133	5	technology	technology	NOUN
fbem-1043	133	6	,	,	PUNCT
fbem-1043	133	7	customers	customer	NOUN
fbem-1043	133	8	can	can	AUX
fbem-1043	133	9	efficiently	efficiently	ADV
fbem-1043	133	10	complete	complete	VERB
fbem-1043	133	11	an	an	DET
fbem-1043	133	12	electronic	electronic	ADJ
fbem-1043	133	13	transaction	transaction	NOUN
fbem-1043	133	14	since	since	SCONJ
fbem-1043	133	15	the	the	DET
fbem-1043	133	16	technology	technology	NOUN
fbem-1043	133	17	can	can	AUX
fbem-1043	133	18	enable	enable	VERB
fbem-1043	133	19	customers	customer	NOUN
fbem-1043	133	20	protecting	protect	VERB
fbem-1043	133	21	their	their	PRON
fbem-1043	133	22	privacy	privacy	NOUN
fbem-1043	133	23	and	and	CCONJ
fbem-1043	133	24	security	security	NOUN
fbem-1043	133	25	such	such	ADJ
fbem-1043	133	26	as	as	ADP
fbem-1043	133	27	purchasing	purchasing	NOUN
fbem-1043	133	28	behaviors	behavior	NOUN
fbem-1043	133	29	and	and	CCONJ
fbem-1043	133	30	personal	personal	ADJ
fbem-1043	133	31	information	information	NOUN
fbem-1043	133	32	(	(	PUNCT
fbem-1043	133	33	riskinanto	riskinanto	NOUN
fbem-1043	133	34	et	et	PROPN
fbem-1043	133	35	al	al	PROPN
fbem-1043	133	36	.	.	PROPN
fbem-1043	133	37	2017	2017	NUM
fbem-1043	133	38	)	)	PUNCT
fbem-1043	133	39	.	.	PUNCT
fbem-1043	134	1	hence	hence	ADV
fbem-1043	134	2	,	,	PUNCT
fbem-1043	134	3	e	e	NOUN
fbem-1043	134	4	-	-	NOUN
fbem-1043	134	5	payment	payment	NOUN
fbem-1043	134	6	technology	technology	NOUN
fbem-1043	134	7	to	to	ADP
fbem-1043	134	8	some	some	DET
fbem-1043	134	9	extent	extent	NOUN
fbem-1043	134	10	can	can	AUX
fbem-1043	134	11	promote	promote	VERB
fbem-1043	134	12	customers	customer	NOUN
fbem-1043	134	13	’	’	PART
fbem-1043	134	14	desires	desire	NOUN
fbem-1043	134	15	of	of	ADP
fbem-1043	134	16	using	use	VERB
fbem-1043	134	17	e	e	NOUN
fbem-1043	134	18	-	-	NOUN
fbem-1043	134	19	payment	payment	NOUN
fbem-1043	134	20	particularly	particularly	ADV
fbem-1043	134	21	from	from	ADP
fbem-1043	134	22	the	the	DET
fbem-1043	134	23	dimension	dimension	NOUN
fbem-1043	134	24	of	of	ADP
fbem-1043	134	25	customers	customer	NOUN
fbem-1043	134	26	’	'	PUNCT
fbem-1043	134	27	perceived	perceive	VERB
fbem-1043	134	28	trust	trust	NOUN
fbem-1043	134	29	.	.	PUNCT
fbem-1043	135	1	for	for	ADP
fbem-1043	135	2	instance	instance	NOUN
fbem-1043	135	3	,	,	PUNCT
fbem-1043	135	4	e	e	NOUN
fbem-1043	135	5	-	-	NOUN
fbem-1043	135	6	payment	payment	NOUN
fbem-1043	135	7	technology	technology	NOUN
fbem-1043	135	8	can	can	AUX
fbem-1043	135	9	offer	offer	VERB
fbem-1043	135	10	technical	technical	ADJ
fbem-1043	135	11	protections	protection	NOUN
fbem-1043	135	12	(	(	PUNCT
fbem-1043	135	13	i.e.	i.e.	X
fbem-1043	135	14	transaction	transaction	NOUN
fbem-1043	135	15	stability	stability	NOUN
fbem-1043	135	16	,	,	PUNCT
fbem-1043	135	17	privacy	privacy	NOUN
fbem-1043	135	18	and	and	CCONJ
fbem-1043	135	19	integrity	integrity	NOUN
fbem-1043	135	20	)	)	PUNCT
fbem-1043	135	21	.	.	PUNCT
fbem-1043	136	1	meanwhile	meanwhile	ADV
fbem-1043	136	2	,	,	PUNCT
fbem-1043	136	3	common	common	ADJ
fbem-1043	136	4	procedures	procedure	NOUN
fbem-1043	136	5	of	of	ADP
fbem-1043	136	6	e	e	NOUN
fbem-1043	136	7	-	-	NOUN
fbem-1043	136	8	payment	payment	NOUN
fbem-1043	136	9	transactions	transaction	NOUN
fbem-1043	136	10	also	also	ADV
fbem-1043	136	11	require	require	VERB
fbem-1043	136	12	technologies	technology	NOUN
fbem-1043	136	13	to	to	PART
fbem-1043	136	14	verify	verify	VERB
fbem-1043	136	15	users	user	NOUN
fbem-1043	136	16	and	and	CCONJ
fbem-1043	136	17	provide	provide	VERB
fbem-1043	136	18	clear	clear	ADJ
fbem-1043	136	19	guidance	guidance	NOUN
fbem-1043	136	20	in	in	ADP
fbem-1043	136	21	order	order	NOUN
fbem-1043	136	22	to	to	PART
fbem-1043	136	23	confirm	confirm	VERB
fbem-1043	136	24	transactions	transaction	NOUN
fbem-1043	136	25	(	(	PUNCT
fbem-1043	136	26	mustapha	mustapha	PROPN
fbem-1043	136	27	2018	2018	NUM
fbem-1043	136	28	)	)	PUNCT
fbem-1043	136	29	.	.	PUNCT
fbem-1043	137	1	e	e	X
fbem-1043	137	2	-	-	NOUN
fbem-1043	137	3	payment	payment	NOUN
fbem-1043	137	4	technology	technology	NOUN
fbem-1043	137	5	can	can	AUX
fbem-1043	137	6	guarantee	guarantee	VERB
fbem-1043	137	7	good	good	ADJ
fbem-1043	137	8	design	design	NOUN
fbem-1043	137	9	to	to	PART
fbem-1043	137	10	offer	offer	VERB
fbem-1043	137	11	customers	customer	NOUN
fbem-1043	137	12	with	with	ADP
fbem-1043	137	13	growingly	growingly	ADV
fbem-1043	137	14	faster	fast	ADJ
fbem-1043	137	15	responses	response	NOUN
fbem-1043	137	16	,	,	PUNCT
fbem-1043	137	17	reliability	reliability	NOUN
fbem-1043	137	18	and	and	CCONJ
fbem-1043	137	19	convenience	convenience	NOUN
fbem-1043	137	20	,	,	PUNCT
fbem-1043	137	21	which	which	PRON
fbem-1043	137	22	promote	promote	VERB
fbem-1043	137	23	e	e	NOUN
fbem-1043	137	24	-	-	NOUN
fbem-1043	137	25	payment	payment	NOUN
fbem-1043	137	26	usage	usage	NOUN
fbem-1043	137	27	.	.	PUNCT
fbem-1043	138	1	when	when	SCONJ
fbem-1043	138	2	customers	customer	NOUN
fbem-1043	138	3	perceive	perceive	VERB
fbem-1043	138	4	the	the	DET
fbem-1043	138	5	e	e	NOUN
fbem-1043	138	6	-	-	NOUN
fbem-1043	138	7	payment	payment	NOUN
fbem-1043	138	8	systems	system	NOUN
fbem-1043	138	9	are	be	AUX
fbem-1043	138	10	established	establish	VERB
fbem-1043	138	11	based	base	VERB
fbem-1043	138	12	on	on	ADP
fbem-1043	138	13	mature	mature	ADJ
fbem-1043	138	14	technologies	technology	NOUN
fbem-1043	138	15	,	,	PUNCT
fbem-1043	138	16	they	they	PRON
fbem-1043	138	17	are	be	AUX
fbem-1043	138	18	less	less	ADV
fbem-1043	138	19	likely	likely	ADJ
fbem-1043	138	20	to	to	PART
fbem-1043	138	21	face	face	VERB
fbem-1043	138	22	risks	risk	NOUN
fbem-1043	138	23	related	relate	VERB
fbem-1043	138	24	to	to	ADP
fbem-1043	138	25	using	use	VERB
fbem-1043	138	26	e	e	NOUN
fbem-1043	138	27	-	-	NOUN
fbem-1043	138	28	payment	payment	NOUN
fbem-1043	138	29	systems	system	NOUN
fbem-1043	138	30	.	.	PUNCT
fbem-1043	139	1	e	e	X
fbem-1043	139	2	-	-	NOUN
fbem-1043	139	3	payment	payment	NOUN
fbem-1043	139	4	technologies	technology	NOUN
fbem-1043	139	5	can	can	AUX
fbem-1043	139	6	improve	improve	VERB
fbem-1043	139	7	the	the	DET
fbem-1043	139	8	e	e	NOUN
fbem-1043	139	9	-	-	NOUN
fbem-1043	139	10	payment	payment	NOUN
fbem-1043	139	11	systems	system	NOUN
fbem-1043	139	12	’	'	PUNCT
fbem-1043	139	13	quality	quality	NOUN
fbem-1043	139	14	to	to	PART
fbem-1043	139	15	address	address	VERB
fbem-1043	139	16	customers	customer	NOUN
fbem-1043	139	17	’	’	PART
fbem-1043	139	18	problems	problem	NOUN
fbem-1043	139	19	,	,	PUNCT
fbem-1043	139	20	which	which	PRON
fbem-1043	139	21	enables	enable	VERB
fbem-1043	139	22	the	the	DET
fbem-1043	139	23	e	e	NOUN
fbem-1043	139	24	-	-	NOUN
fbem-1043	139	25	payment	payment	NOUN
fbem-1043	139	26	systems	system	NOUN
fbem-1043	139	27	becoming	become	VERB
fbem-1043	139	28	easier	easy	ADJ
fbem-1043	139	29	for	for	SCONJ
fbem-1043	139	30	customers	customer	NOUN
fbem-1043	139	31	to	to	PART
fbem-1043	139	32	use	use	VERB
fbem-1043	139	33	(	(	PUNCT
fbem-1043	139	34	acheampong	acheampong	PROPN
fbem-1043	139	35	et	et	PROPN
fbem-1043	139	36	al	al	PROPN
fbem-1043	139	37	.	.	PROPN
fbem-1043	139	38	2017	2017	NUM
fbem-1043	139	39	)	)	PUNCT
fbem-1043	139	40	.	.	PUNCT
fbem-1043	140	1	e	e	X
fbem-1043	140	2	-	-	NOUN
fbem-1043	140	3	payment	payment	NOUN
fbem-1043	140	4	technology	technology	NOUN
fbem-1043	140	5	also	also	ADV
fbem-1043	140	6	offer	offer	VERB
fbem-1043	140	7	supports	support	NOUN
fbem-1043	140	8	in	in	ADP
fbem-1043	140	9	the	the	DET
fbem-1043	140	10	customers	customer	NOUN
fbem-1043	140	11	’	'	PUNCT
fbem-1043	140	12	post	post	NOUN
fbem-1043	140	13	-	-	NOUN
fbem-1043	140	14	usage	usage	NOUN
fbem-1043	140	15	of	of	ADP
fbem-1043	140	16	e	e	NOUN
fbem-1043	140	17	-	-	NOUN
fbem-1043	140	18	payment	payment	NOUN
fbem-1043	140	19	systems	system	NOUN
fbem-1043	140	20	,	,	PUNCT
fbem-1043	140	21	which	which	PRON
fbem-1043	140	22	can	can	AUX
fbem-1043	140	23	strongly	strongly	ADV
fbem-1043	140	24	impact	impact	VERB
fbem-1043	140	25	customers	customer	NOUN
fbem-1043	140	26	’	'	PUNCT
fbem-1043	140	27	continuous	continuous	ADJ
fbem-1043	140	28	adoption	adoption	NOUN
fbem-1043	140	29	of	of	ADP
fbem-1043	140	30	e	e	NOUN
fbem-1043	140	31	-	-	NOUN
fbem-1043	140	32	payment	payment	NOUN
fbem-1043	140	33	.	.	PUNCT
fbem-1043	141	1	hence	hence	ADV
fbem-1043	141	2	,	,	PUNCT
fbem-1043	141	3	it	it	PRON
fbem-1043	141	4	is	be	AUX
fbem-1043	141	5	necessary	necessary	ADJ
fbem-1043	141	6	to	to	PART
fbem-1043	141	7	analyze	analyze	VERB
fbem-1043	141	8	how	how	SCONJ
fbem-1043	141	9	e	e	NOUN
fbem-1043	141	10	-	-	ADJ
fbem-1043	141	11	payment	payment	ADJ
fbem-1043	141	12	technologies	technology	NOUN
fbem-1043	141	13	provide	provide	VERB
fbem-1043	141	14	effectiveness	effectiveness	NOUN
fbem-1043	141	15	and	and	CCONJ
fbem-1043	141	16	efficiency	efficiency	NOUN
fbem-1043	141	17	with	with	ADP
fbem-1043	141	18	customers	customer	NOUN
fbem-1043	141	19	to	to	PART
fbem-1043	141	20	complete	complete	VERB
fbem-1043	141	21	transactions	transaction	NOUN
fbem-1043	141	22	.	.	PUNCT
fbem-1043	142	1	furthermore	furthermore	ADV
fbem-1043	142	2	,	,	PUNCT
fbem-1043	142	3	e	e	ADJ
fbem-1043	142	4	-	-	NOUN
fbem-1043	142	5	payment	payment	NOUN
fbem-1043	142	6	technologies	technology	NOUN
fbem-1043	142	7	can	can	AUX
fbem-1043	142	8	offer	offer	VERB
fbem-1043	142	9	support	support	NOUN
fbem-1043	142	10	and	and	CCONJ
fbem-1043	142	11	maintenance	maintenance	NOUN
fbem-1043	142	12	to	to	PART
fbem-1043	142	13	motivate	motivate	VERB
fbem-1043	142	14	customers	customer	NOUN
fbem-1043	142	15	’	'	PUNCT
fbem-1043	142	16	continuous	continuous	ADJ
fbem-1043	142	17	usage	usage	NOUN
fbem-1043	142	18	of	of	ADP
fbem-1043	142	19	the	the	DET
fbem-1043	142	20	e	e	NOUN
fbem-1043	142	21	-	-	NOUN
fbem-1043	142	22	payment	payment	NOUN
fbem-1043	142	23	systems	system	NOUN
fbem-1043	142	24	(	(	PUNCT
fbem-1043	142	25	acheampong	acheampong	PROPN
fbem-1043	142	26	et	et	PROPN
fbem-1043	142	27	al	al	PROPN
fbem-1043	142	28	.	.	PROPN
fbem-1043	142	29	2017	2017	NUM
fbem-1043	142	30	)	)	PUNCT
fbem-1043	142	31	.	.	PUNCT
fbem-1043	143	1	2.2.5	2.2.5	NUM
fbem-1043	143	2	.	.	X
fbem-1043	144	1	e	e	X
fbem-1043	144	2	-	-	NOUN
fbem-1043	144	3	payment	payment	NOUN
fbem-1043	144	4	popularity	popularity	NOUN
fbem-1043	144	5	over	over	ADP
fbem-1043	144	6	last	last	ADJ
fbem-1043	144	7	several	several	ADJ
fbem-1043	144	8	decades	decade	NOUN
fbem-1043	144	9	,	,	PUNCT
fbem-1043	144	10	the	the	DET
fbem-1043	144	11	development	development	NOUN
fbem-1043	144	12	of	of	ADP
fbem-1043	144	13	e	e	PROPN
fbem-1043	144	14	-	-	PROPN
fbem-1043	144	15	commerce	commerce	NOUN
fbem-1043	144	16	business	business	NOUN
fbem-1043	144	17	in	in	ADP
fbem-1043	144	18	both	both	CCONJ
fbem-1043	144	19	developing	develop	VERB
fbem-1043	144	20	and	and	CCONJ
fbem-1043	144	21	developed	developed	ADJ
fbem-1043	144	22	economies	economy	NOUN
fbem-1043	144	23	is	be	AUX
fbem-1043	144	24	rapid	rapid	ADJ
fbem-1043	144	25	,	,	PUNCT
fbem-1043	144	26	which	which	PRON
fbem-1043	144	27	indicates	indicate	VERB
fbem-1043	144	28	that	that	SCONJ
fbem-1043	144	29	using	use	VERB
fbem-1043	144	30	e	e	NOUN
fbem-1043	144	31	-	-	NOUN
fbem-1043	144	32	payment	payment	NOUN
fbem-1043	144	33	systems	system	NOUN
fbem-1043	144	34	to	to	PART
fbem-1043	144	35	complete	complete	VERB
fbem-1043	144	36	transactions	transaction	NOUN
fbem-1043	144	37	have	have	AUX
fbem-1043	144	38	become	become	VERB
fbem-1043	144	39	growingly	growingly	ADV
fbem-1043	144	40	popular	popular	ADJ
fbem-1043	144	41	(	(	PUNCT
fbem-1043	144	42	alzoubi	alzoubi	PROPN
fbem-1043	144	43	,	,	PUNCT
fbem-1043	144	44	2016	2016	NUM
fbem-1043	144	45	)	)	PUNCT
fbem-1043	144	46	.	.	PUNCT
fbem-1043	145	1	for	for	ADP
fbem-1043	145	2	instance	instance	NOUN
fbem-1043	145	3	,	,	PUNCT
fbem-1043	145	4	asian	asian	ADJ
fbem-1043	145	5	countries	country	NOUN
fbem-1043	145	6	have	have	AUX
fbem-1043	145	7	accounted	account	VERB
fbem-1043	145	8	for	for	ADP
fbem-1043	145	9	approximate	approximate	ADJ
fbem-1043	145	10	50	50	NUM
fbem-1043	145	11	%	%	NOUN
fbem-1043	145	12	of	of	ADP
fbem-1043	145	13	the	the	DET
fbem-1043	145	14	global	global	ADJ
fbem-1043	145	15	online	online	ADJ
fbem-1043	145	16	business	business	NOUN
fbem-1043	145	17	,	,	PUNCT
fbem-1043	145	18	and	and	CCONJ
fbem-1043	145	19	china	china	PROPN
fbem-1043	145	20	plays	play	VERB
fbem-1043	145	21	a	a	DET
fbem-1043	145	22	leading	lead	VERB
fbem-1043	145	23	role	role	NOUN
fbem-1043	145	24	in	in	ADP
fbem-1043	145	25	online	online	ADJ
fbem-1043	145	26	business	business	NOUN
fbem-1043	145	27	in	in	ADP
fbem-1043	145	28	asian	asian	ADJ
fbem-1043	145	29	countries	country	NOUN
fbem-1043	145	30	having	having	AUX
fbem-1043	145	31	reached	reach	VERB
fbem-1043	145	32	$	$	SYM
fbem-1043	145	33	681	681	NUM
fbem-1043	145	34	billion	billion	NUM
fbem-1043	145	35	sales	sale	NOUN
fbem-1043	145	36	,	,	PUNCT
fbem-1043	145	37	which	which	PRON
fbem-1043	145	38	can	can	AUX
fbem-1043	145	39	explain	explain	VERB
fbem-1043	145	40	the	the	DET
fbem-1043	145	41	reason	reason	NOUN
fbem-1043	145	42	of	of	ADP
fbem-1043	145	43	e	e	NOUN
fbem-1043	145	44	-	-	NOUN
fbem-1043	145	45	payment	payment	NOUN
fbem-1043	145	46	becoming	become	VERB
fbem-1043	145	47	more	more	ADV
fbem-1043	145	48	popular	popular	ADJ
fbem-1043	145	49	in	in	ADP
fbem-1043	145	50	china	china	PROPN
fbem-1043	145	51	(	(	PUNCT
fbem-1043	145	52	rana	rana	PROPN
fbem-1043	145	53	and	and	CCONJ
fbem-1043	145	54	sulphey	sulphey	PROPN
fbem-1043	145	55	,	,	PUNCT
fbem-1043	145	56	2020	2020	NUM
fbem-1043	145	57	)	)	PUNCT
fbem-1043	145	58	.	.	PUNCT
fbem-1043	146	1	particularly	particularly	ADV
fbem-1043	146	2	,	,	PUNCT
fbem-1043	146	3	the	the	DET
fbem-1043	146	4	e	e	NOUN
fbem-1043	146	5	-	-	NOUN
fbem-1043	146	6	payment	payment	NOUN
fbem-1043	146	7	popularity	popularity	NOUN
fbem-1043	146	8	is	be	AUX
fbem-1043	146	9	influenced	influence	VERB
fbem-1043	146	10	by	by	ADP
fbem-1043	146	11	customers	customer	NOUN
fbem-1043	146	12	’	’	PART
fbem-1043	146	13	understanding	understanding	NOUN
fbem-1043	146	14	related	relate	VERB
fbem-1043	146	15	to	to	ADP
fbem-1043	146	16	online	online	ADJ
fbem-1043	146	17	shopping	shopping	NOUN
fbem-1043	146	18	.	.	PUNCT
fbem-1043	147	1	more	more	ADJ
fbem-1043	147	2	customers	customer	NOUN
fbem-1043	147	3	prefer	prefer	VERB
fbem-1043	147	4	to	to	PART
fbem-1043	147	5	engage	engage	VERB
fbem-1043	147	6	in	in	ADP
fbem-1043	147	7	online	online	ADJ
fbem-1043	147	8	shopping	shopping	NOUN
fbem-1043	147	9	,	,	PUNCT
fbem-1043	147	10	which	which	PRON
fbem-1043	147	11	promote	promote	VERB
fbem-1043	147	12	usage	usage	NOUN
fbem-1043	147	13	of	of	ADP
fbem-1043	147	14	e	e	NOUN
fbem-1043	147	15	-	-	NOUN
fbem-1043	147	16	payment	payment	NOUN
fbem-1043	147	17	platforms	platform	NOUN
fbem-1043	147	18	to	to	PART
fbem-1043	147	19	replace	replace	VERB
fbem-1043	147	20	cash	cash	NOUN
fbem-1043	147	21	(	(	PUNCT
fbem-1043	147	22	kabir	kabir	PROPN
fbem-1043	147	23	et	et	PROPN
fbem-1043	147	24	al	al	PROPN
fbem-1043	147	25	.	.	PROPN
fbem-1043	147	26	,	,	PUNCT
fbem-1043	147	27	2015	2015	NUM
fbem-1043	147	28	)	)	PUNCT
fbem-1043	147	29	.	.	PUNCT
fbem-1043	148	1	as	as	ADP
fbem-1043	148	2	the	the	DET
fbem-1043	148	3	growing	grow	VERB
fbem-1043	148	4	popularity	popularity	NOUN
fbem-1043	148	5	of	of	ADP
fbem-1043	148	6	e	e	NOUN
fbem-1043	148	7	-	-	NOUN
fbem-1043	148	8	payment	payment	NOUN
fbem-1043	148	9	systems	system	NOUN
fbem-1043	148	10	,	,	PUNCT
fbem-1043	148	11	customers	customer	NOUN
fbem-1043	148	12	are	be	AUX
fbem-1043	148	13	more	more	ADV
fbem-1043	148	14	willing	willing	ADJ
fbem-1043	148	15	to	to	PART
fbem-1043	148	16	transit	transit	VERB
fbem-1043	148	17	cash	cash	NOUN
fbem-1043	148	18	from	from	ADP
fbem-1043	148	19	modern	modern	ADJ
fbem-1043	148	20	epayment	epayment	NOUN
fbem-1043	148	21	systems	system	NOUN
fbem-1043	148	22	.	.	PUNCT
fbem-1043	149	1	generally	generally	ADV
fbem-1043	149	2	,	,	PUNCT
fbem-1043	149	3	e	e	ADJ
fbem-1043	149	4	-	-	NOUN
fbem-1043	149	5	payment	payment	NOUN
fbem-1043	149	6	systems	system	NOUN
fbem-1043	149	7	have	have	AUX
fbem-1043	149	8	become	become	VERB
fbem-1043	149	9	growingly	growingly	ADV
fbem-1043	149	10	popular	popular	ADJ
fbem-1043	149	11	to	to	PART
fbem-1043	149	12	afford	afford	VERB
fbem-1043	149	13	products	product	NOUN
fbem-1043	149	14	and	and	CCONJ
fbem-1043	149	15	services	service	NOUN
fbem-1043	149	16	purchased	purchase	VERB
fbem-1043	149	17	from	from	ADP
fbem-1043	149	18	online	online	ADJ
fbem-1043	149	19	shopping	shopping	NOUN
fbem-1043	149	20	platforms	platform	NOUN
fbem-1043	149	21	(	(	PUNCT
fbem-1043	149	22	widayat	widayat	PROPN
fbem-1043	149	23	et	et	PROPN
fbem-1043	149	24	al	al	PROPN
fbem-1043	149	25	.	.	PROPN
fbem-1043	149	26	,	,	PUNCT
fbem-1043	149	27	2020	2020	NUM
fbem-1043	149	28	)	)	PUNCT
fbem-1043	149	29	.	.	PUNCT
fbem-1043	150	1	2.2.6	2.2.6	NUM
fbem-1043	150	2	.	.	X
fbem-1043	151	1	e	e	X
fbem-1043	151	2	-	-	NOUN
fbem-1043	151	3	payment	payment	ADJ
fbem-1043	151	4	culture	culture	NOUN
fbem-1043	151	5	cultures	culture	NOUN
fbem-1043	151	6	between	between	ADP
fbem-1043	151	7	different	different	ADJ
fbem-1043	151	8	regions	region	NOUN
fbem-1043	151	9	may	may	AUX
fbem-1043	151	10	have	have	VERB
fbem-1043	151	11	differences	difference	NOUN
fbem-1043	151	12	.	.	PUNCT
fbem-1043	152	1	this	this	PRON
fbem-1043	152	2	indicates	indicate	VERB
fbem-1043	152	3	that	that	SCONJ
fbem-1043	152	4	the	the	DET
fbem-1043	152	5	proper	proper	ADJ
fbem-1043	152	6	e	e	NOUN
fbem-1043	152	7	-	-	ADJ
fbem-1043	152	8	payment	payment	NOUN
fbem-1043	152	9	systems	system	NOUN
fbem-1043	152	10	may	may	AUX
fbem-1043	152	11	be	be	AUX
fbem-1043	152	12	different	different	ADJ
fbem-1043	152	13	between	between	ADP
fbem-1043	152	14	different	different	ADJ
fbem-1043	152	15	countries	country	NOUN
fbem-1043	152	16	,	,	PUNCT
fbem-1043	152	17	which	which	PRON
fbem-1043	152	18	are	be	AUX
fbem-1043	152	19	caused	cause	VERB
fbem-1043	152	20	by	by	ADP
fbem-1043	152	21	their	their	PRON
fbem-1043	152	22	cultures	culture	NOUN
fbem-1043	152	23	and	and	CCONJ
fbem-1043	152	24	infrastructures	infrastructure	NOUN
fbem-1043	152	25	(	(	PUNCT
fbem-1043	152	26	xena	xena	X
fbem-1043	152	27	and	and	CCONJ
fbem-1043	152	28	rahadi	rahadi	VERB
fbem-1043	152	29	2019	2019	NUM
fbem-1043	152	30	)	)	PUNCT
fbem-1043	152	31	.	.	PUNCT
fbem-1043	153	1	more	more	ADV
fbem-1043	153	2	specifically	specifically	ADV
fbem-1043	153	3	,	,	PUNCT
fbem-1043	153	4	there	there	PRON
fbem-1043	153	5	are	be	VERB
fbem-1043	153	6	a	a	DET
fbem-1043	153	7	series	series	NOUN
fbem-1043	153	8	of	of	ADP
fbem-1043	153	9	cultural	cultural	ADJ
fbem-1043	153	10	factors	factor	NOUN
fbem-1043	153	11	which	which	DET
fbem-1043	153	12	influence	influence	NOUN
fbem-1043	153	13	customers	customer	NOUN
fbem-1043	153	14	’	'	PUNCT
fbem-1043	153	15	desires	desire	NOUN
fbem-1043	153	16	related	relate	VERB
fbem-1043	153	17	to	to	ADP
fbem-1043	153	18	using	use	VERB
fbem-1043	153	19	e	e	NOUN
fbem-1043	153	20	-	-	NOUN
fbem-1043	153	21	payment	payment	NOUN
fbem-1043	153	22	such	such	ADJ
fbem-1043	153	23	as	as	ADP
fbem-1043	153	24	travel	travel	NOUN
fbem-1043	153	25	habits	habit	NOUN
fbem-1043	153	26	,	,	PUNCT
fbem-1043	153	27	the	the	DET
fbem-1043	153	28	region	region	NOUN
fbem-1043	153	29	of	of	ADP
fbem-1043	153	30	residence	residence	NOUN
fbem-1043	153	31	,	,	PUNCT
fbem-1043	153	32	mobile	mobile	ADJ
fbem-1043	153	33	phones	phone	NOUN
fbem-1043	153	34	,	,	PUNCT
fbem-1043	153	35	the	the	DET
fbem-1043	153	36	usage	usage	NOUN
fbem-1043	153	37	of	of	ADP
fbem-1043	153	38	the	the	DET
fbem-1043	153	39	internet	internet	NOUN
fbem-1043	153	40	,	,	PUNCT
fbem-1043	153	41	internet	internet	NOUN
fbem-1043	153	42	access	access	NOUN
fbem-1043	153	43	and	and	CCONJ
fbem-1043	153	44	knowledge	knowledge	NOUN
fbem-1043	153	45	of	of	ADP
fbem-1043	153	46	computer	computer	NOUN
fbem-1043	153	47	(	(	PUNCT
fbem-1043	153	48	keramati	keramati	PROPN
fbem-1043	153	49	et	et	PROPN
fbem-1043	153	50	al	al	PROPN
fbem-1043	153	51	.	.	PROPN
fbem-1043	153	52	2017	2017	NUM
fbem-1043	153	53	)	)	PUNCT
fbem-1043	153	54	.	.	PUNCT
fbem-1043	154	1	for	for	ADP
fbem-1043	154	2	instance	instance	NOUN
fbem-1043	154	3	,	,	PUNCT
fbem-1043	154	4	the	the	DET
fbem-1043	154	5	usage	usage	NOUN
fbem-1043	154	6	of	of	ADP
fbem-1043	154	7	the	the	DET
fbem-1043	154	8	internet	internet	NOUN
fbem-1043	154	9	and	and	CCONJ
fbem-1043	154	10	the	the	DET
fbem-1043	154	11	level	level	NOUN
fbem-1043	154	12	of	of	ADP
fbem-1043	154	13	knowledge	knowledge	NOUN
fbem-1043	154	14	will	will	AUX
fbem-1043	154	15	influence	influence	VERB
fbem-1043	154	16	adopting	adopt	VERB
fbem-1043	154	17	e	e	NOUN
fbem-1043	154	18	-	-	NOUN
fbem-1043	154	19	payment	payment	NOUN
fbem-1043	154	20	systems	system	NOUN
fbem-1043	154	21	.	.	PUNCT
fbem-1043	155	1	additionally	additionally	ADV
fbem-1043	155	2	,	,	PUNCT
fbem-1043	155	3	keramati	keramati	PROPN
fbem-1043	155	4	et	et	PROPN
fbem-1043	155	5	al	al	PROPN
fbem-1043	155	6	(	(	PUNCT
fbem-1043	155	7	2017	2017	NUM
fbem-1043	155	8	)	)	PUNCT
fbem-1043	155	9	have	have	AUX
fbem-1043	155	10	stated	state	VERB
fbem-1043	155	11	that	that	SCONJ
fbem-1043	155	12	culture	culture	NOUN
fbem-1043	155	13	influences	influence	VERB
fbem-1043	155	14	customers	customer	NOUN
fbem-1043	155	15	’	'	PUNCT
fbem-1043	155	16	desires	desire	NOUN
fbem-1043	155	17	of	of	ADP
fbem-1043	155	18	using	use	VERB
fbem-1043	155	19	the	the	DET
fbem-1043	155	20	e	e	NOUN
fbem-1043	155	21	e	e	NOUN
fbem-1043	155	22	-	-	NOUN
fbem-1043	155	23	payment	payment	NOUN
fbem-1043	155	24	systems	system	NOUN
fbem-1043	155	25	from	from	ADP
fbem-1043	155	26	the	the	DET
fbem-1043	155	27	dimensions	dimension	NOUN
fbem-1043	155	28	of	of	ADP
fbem-1043	155	29	level	level	NOUN
fbem-1043	155	30	of	of	ADP
fbem-1043	155	31	education	education	NOUN
fbem-1043	155	32	and	and	CCONJ
fbem-1043	155	33	computer	computer	NOUN
fbem-1043	155	34	usage	usage	NOUN
fbem-1043	155	35	.	.	PUNCT
fbem-1043	156	1	2.2.7	2.2.7	X
fbem-1043	156	2	.	.	PUNCT
fbem-1043	157	1	e	e	X
fbem-1043	157	2	-	-	NOUN
fbem-1043	157	3	payment	payment	NOUN
fbem-1043	157	4	government	government	NOUN
fbem-1043	157	5	policy	policy	NOUN
fbem-1043	157	6	in	in	ADP
fbem-1043	157	7	the	the	DET
fbem-1043	157	8	context	context	NOUN
fbem-1043	157	9	of	of	ADP
fbem-1043	157	10	growing	grow	VERB
fbem-1043	157	11	popularity	popularity	NOUN
fbem-1043	157	12	of	of	ADP
fbem-1043	157	13	using	use	VERB
fbem-1043	157	14	e	e	NOUN
fbem-1043	157	15	-	-	NOUN
fbem-1043	157	16	payment	payment	NOUN
fbem-1043	157	17	systems	system	NOUN
fbem-1043	157	18	,	,	PUNCT
fbem-1043	157	19	it	it	PRON
fbem-1043	157	20	is	be	AUX
fbem-1043	157	21	an	an	DET
fbem-1043	157	22	essential	essential	ADJ
fbem-1043	157	23	issue	issue	NOUN
fbem-1043	157	24	to	to	PART
fbem-1043	157	25	protect	protect	VERB
fbem-1043	157	26	customers	customer	NOUN
fbem-1043	157	27	’	'	PUNCT
fbem-1043	157	28	transaction	transaction	NOUN
fbem-1043	157	29	data	datum	NOUN
fbem-1043	157	30	and	and	CCONJ
fbem-1043	157	31	information	information	NOUN
fbem-1043	157	32	.	.	PUNCT
fbem-1043	158	1	it	it	PRON
fbem-1043	158	2	is	be	AUX
fbem-1043	158	3	necessary	necessary	ADJ
fbem-1043	158	4	for	for	SCONJ
fbem-1043	158	5	governments	government	NOUN
fbem-1043	158	6	to	to	PART
fbem-1043	158	7	undertake	undertake	VERB
fbem-1043	158	8	responsibilities	responsibility	NOUN
fbem-1043	158	9	in	in	ADP
fbem-1043	158	10	order	order	NOUN
fbem-1043	158	11	to	to	PART
fbem-1043	158	12	enhance	enhance	VERB
fbem-1043	158	13	and	and	CCONJ
fbem-1043	158	14	promote	promote	VERB
fbem-1043	158	15	healthy	healthy	ADJ
fbem-1043	158	16	e	e	NOUN
fbem-1043	158	17	-	-	NOUN
fbem-1043	158	18	payment	payment	NOUN
fbem-1043	158	19	systems	system	NOUN
fbem-1043	158	20	in	in	ADP
fbem-1043	158	21	their	their	PRON
fbem-1043	158	22	countries	country	NOUN
fbem-1043	158	23	(	(	PUNCT
fbem-1043	158	24	ameerbakhsh	ameerbakhsh	VERB
fbem-1043	158	25	et	et	PROPN
fbem-1043	158	26	al	al	PROPN
fbem-1043	158	27	.	.	PROPN
fbem-1043	158	28	2021	2021	NUM
fbem-1043	158	29	)	)	PUNCT
fbem-1043	158	30	.	.	PUNCT
fbem-1043	159	1	governments	government	NOUN
fbem-1043	159	2	need	need	VERB
fbem-1043	159	3	to	to	PART
fbem-1043	159	4	issue	issue	VERB
fbem-1043	159	5	financial	financial	ADJ
fbem-1043	159	6	policies	policy	NOUN
fbem-1043	159	7	to	to	PART
fbem-1043	159	8	control	control	VERB
fbem-1043	159	9	the	the	DET
fbem-1043	159	10	e	e	NOUN
fbem-1043	159	11	-	-	NOUN
fbem-1043	159	12	payment	payment	NOUN
fbem-1043	159	13	systems	system	NOUN
fbem-1043	159	14	in	in	ADP
fbem-1043	159	15	order	order	NOUN
fbem-1043	159	16	to	to	PART
fbem-1043	159	17	encourage	encourage	VERB
fbem-1043	159	18	customers	customer	NOUN
fbem-1043	159	19	to	to	PART
fbem-1043	159	20	use	use	VERB
fbem-1043	159	21	e	e	NOUN
fbem-1043	159	22	-	-	NOUN
fbem-1043	159	23	payment	payment	NOUN
fbem-1043	159	24	systems	system	NOUN
fbem-1043	159	25	.	.	PUNCT
fbem-1043	160	1	hence	hence	ADV
fbem-1043	160	2	,	,	PUNCT
fbem-1043	160	3	government	government	NOUN
fbem-1043	160	4	policy	policy	NOUN
fbem-1043	160	5	plays	play	VERB
fbem-1043	160	6	an	an	DET
fbem-1043	160	7	important	important	ADJ
fbem-1043	160	8	role	role	NOUN
fbem-1043	160	9	in	in	ADP
fbem-1043	160	10	effectively	effectively	ADV
fbem-1043	160	11	executing	execute	VERB
fbem-1043	160	12	e	e	NOUN
fbem-1043	160	13	-	-	NOUN
fbem-1043	160	14	payment	payment	NOUN
fbem-1043	160	15	systems	system	NOUN
fbem-1043	160	16	since	since	SCONJ
fbem-1043	160	17	government	government	NOUN
fbem-1043	160	18	policy	policy	NOUN
fbem-1043	160	19	is	be	AUX
fbem-1043	160	20	an	an	DET
fbem-1043	160	21	imperative	imperative	ADJ
fbem-1043	160	22	prerequisite	prerequisite	NOUN
fbem-1043	160	23	to	to	PART
fbem-1043	160	24	enhance	enhance	VERB
fbem-1043	160	25	the	the	DET
fbem-1043	160	26	usage	usage	NOUN
fbem-1043	160	27	of	of	ADP
fbem-1043	160	28	e	e	NOUN
fbem-1043	160	29	-	-	NOUN
fbem-1043	160	30	payment	payment	NOUN
fbem-1043	160	31	systems	system	NOUN
fbem-1043	160	32	.	.	PUNCT
fbem-1043	161	1	based	base	VERB
fbem-1043	161	2	on	on	ADP
fbem-1043	161	3	government	government	NOUN
fbem-1043	161	4	policy	policy	NOUN
fbem-1043	161	5	,	,	PUNCT
fbem-1043	161	6	it	it	PRON
fbem-1043	161	7	can	can	AUX
fbem-1043	161	8	prevent	prevent	VERB
fbem-1043	161	9	tax	tax	NOUN
fbem-1043	161	10	evasion	evasion	NOUN
fbem-1043	161	11	and	and	CCONJ
fbem-1043	161	12	supervise	supervise	VERB
fbem-1043	161	13	organizations	organization	NOUN
fbem-1043	161	14	related	relate	VERB
fbem-1043	161	15	to	to	ADP
fbem-1043	161	16	e	e	NOUN
fbem-1043	161	17	-	-	NOUN
fbem-1043	161	18	payment	payment	NOUN
fbem-1043	161	19	systems	system	NOUN
fbem-1043	161	20	,	,	PUNCT
fbem-1043	161	21	which	which	PRON
fbem-1043	161	22	can	can	AUX
fbem-1043	161	23	strictly	strictly	ADV
fbem-1043	161	24	supervise	supervise	VERB
fbem-1043	161	25	e	e	ADJ
fbem-1043	161	26	-	-	NOUN
fbem-1043	161	27	payment	payment	NOUN
fbem-1043	161	28	systems	system	NOUN
fbem-1043	161	29	in	in	ADP
fbem-1043	161	30	order	order	NOUN
fbem-1043	161	31	to	to	PART
fbem-1043	161	32	increase	increase	VERB
fbem-1043	161	33	customers	customer	NOUN
fbem-1043	161	34	’	'	PUNCT
fbem-1043	161	35	desires	desire	NOUN
fbem-1043	161	36	to	to	PART
fbem-1043	161	37	use	use	VERB
fbem-1043	161	38	e	e	NOUN
fbem-1043	161	39	-	-	NOUN
fbem-1043	161	40	payment	payment	NOUN
fbem-1043	161	41	systems	system	NOUN
fbem-1043	161	42	(	(	PUNCT
fbem-1043	161	43	masihuddin	masihuddin	PROPN
fbem-1043	161	44	et	et	PROPN
fbem-1043	161	45	al	al	PROPN
fbem-1043	161	46	.	.	PROPN
fbem-1043	161	47	2017	2017	NUM
fbem-1043	161	48	)	)	PUNCT
fbem-1043	161	49	.	.	PUNCT
fbem-1043	162	1	government	government	NOUN
fbem-1043	162	2	policy	policy	NOUN
fbem-1043	162	3	can	can	AUX
fbem-1043	162	4	oversee	oversee	VERB
fbem-1043	162	5	epayment	epayment	NOUN
fbem-1043	162	6	systems	system	NOUN
fbem-1043	162	7	to	to	PART
fbem-1043	162	8	protect	protect	VERB
fbem-1043	162	9	customers	customer	NOUN
fbem-1043	162	10	’	’	PART
fbem-1043	162	11	data	datum	NOUN
fbem-1043	162	12	and	and	CCONJ
fbem-1043	162	13	information	information	NOUN
fbem-1043	162	14	.	.	PUNCT
fbem-1043	163	1	it	it	PRON
fbem-1043	163	2	has	have	VERB
fbem-1043	163	3	to	to	PART
fbem-1043	163	4	admit	admit	VERB
fbem-1043	163	5	that	that	SCONJ
fbem-1043	163	6	the	the	DET
fbem-1043	163	7	e	e	NOUN
fbem-1043	163	8	-	-	ADJ
fbem-1043	163	9	payment	payment	ADJ
fbem-1043	163	10	systems	system	NOUN
fbem-1043	163	11	are	be	AUX
fbem-1043	163	12	complicated	complicate	VERB
fbem-1043	163	13	due	due	ADP
fbem-1043	163	14	to	to	ADP
fbem-1043	163	15	its	its	PRON
fbem-1043	163	16	virtual	virtual	ADJ
fbem-1043	163	17	nature	nature	NOUN
fbem-1043	163	18	,	,	PUNCT
fbem-1043	163	19	which	which	PRON
fbem-1043	163	20	leads	lead	VERB
fbem-1043	163	21	to	to	ADP
fbem-1043	163	22	legal	legal	ADJ
fbem-1043	163	23	problems	problem	NOUN
fbem-1043	163	24	(	(	PUNCT
fbem-1043	163	25	masihuddin	masihuddin	NOUN
fbem-1043	163	26	et	et	PROPN
fbem-1043	163	27	al	al	PROPN
fbem-1043	163	28	.	.	PROPN
fbem-1043	163	29	2017	2017	NUM
fbem-1043	163	30	)	)	PUNCT
fbem-1043	163	31	.	.	PUNCT
fbem-1043	164	1	hence	hence	ADV
fbem-1043	164	2	,	,	PUNCT
fbem-1043	164	3	government	government	NOUN
fbem-1043	164	4	policy	policy	NOUN
fbem-1043	164	5	can	can	AUX
fbem-1043	164	6	focus	focus	VERB
fbem-1043	164	7	on	on	ADP
fbem-1043	164	8	addressing	address	VERB
fbem-1043	164	9	legal	legal	ADJ
fbem-1043	164	10	issues	issue	NOUN
fbem-1043	164	11	such	such	ADJ
fbem-1043	164	12	as	as	ADP
fbem-1043	164	13	electronic	electronic	ADJ
fbem-1043	164	14	contracts	contract	NOUN
fbem-1043	164	15	and	and	CCONJ
fbem-1043	164	16	guaranteeing	guarantee	VERB
fbem-1043	164	17	digital	digital	ADJ
fbem-1043	164	18	signatures	signature	NOUN
fbem-1043	164	19	’	'	PUNCT
fbem-1043	164	20	legitimacy	legitimacy	NOUN
fbem-1043	164	21	.	.	PUNCT
fbem-1043	165	1	hence	hence	ADV
fbem-1043	165	2	through	through	ADP
fbem-1043	165	3	government	government	NOUN
fbem-1043	165	4	policy	policy	NOUN
fbem-1043	165	5	,	,	PUNCT
fbem-1043	165	6	it	it	PRON
fbem-1043	165	7	can	can	AUX
fbem-1043	165	8	guide	guide	VERB
fbem-1043	165	9	the	the	DET
fbem-1043	165	10	e	e	NOUN
fbem-1043	165	11	-	-	NOUN
fbem-1043	165	12	payment	payment	NOUN
fbem-1043	165	13	systems	system	NOUN
fbem-1043	165	14	to	to	PART
fbem-1043	165	15	create	create	VERB
fbem-1043	165	16	administrative	administrative	ADJ
fbem-1043	165	17	and	and	CCONJ
fbem-1043	165	18	legitimate	legitimate	ADJ
fbem-1043	165	19	structure	structure	NOUN
fbem-1043	165	20	which	which	PRON
fbem-1043	165	21	increases	increase	VERB
fbem-1043	165	22	customers	customer	NOUN
fbem-1043	165	23	’	'	PUNCT
fbem-1043	165	24	confidence	confidence	NOUN
fbem-1043	165	25	to	to	PART
fbem-1043	165	26	use	use	VERB
fbem-1043	165	27	e	e	NOUN
fbem-1043	165	28	-	-	NOUN
fbem-1043	165	29	payment	payment	NOUN
fbem-1043	165	30	systems	system	NOUN
fbem-1043	165	31	.	.	PUNCT
fbem-1043	166	1	2.2.8	2.2.8	NUM
fbem-1043	166	2	.	.	PUNCT
fbem-1043	167	1	e	e	X
fbem-1043	167	2	-	-	NOUN
fbem-1043	167	3	payment	payment	ADJ
fbem-1043	167	4	social	social	ADJ
fbem-1043	167	5	pressure	pressure	NOUN
fbem-1043	167	6	social	social	ADJ
fbem-1043	167	7	pressure	pressure	NOUN
fbem-1043	167	8	of	of	ADP
fbem-1043	167	9	e	e	NOUN
fbem-1043	167	10	-	-	NOUN
fbem-1043	167	11	payment	payment	NOUN
fbem-1043	167	12	systems	system	NOUN
fbem-1043	167	13	is	be	AUX
fbem-1043	167	14	related	relate	VERB
fbem-1043	167	15	to	to	ADP
fbem-1043	167	16	customers	customer	NOUN
fbem-1043	167	17	’	’	PART
fbem-1043	167	18	adoption	adoption	NOUN
fbem-1043	167	19	of	of	ADP
fbem-1043	167	20	e	e	NOUN
fbem-1043	167	21	-	-	NOUN
fbem-1043	167	22	payment	payment	NOUN
fbem-1043	167	23	systems	system	NOUN
fbem-1043	167	24	,	,	PUNCT
fbem-1043	167	25	and	and	CCONJ
fbem-1043	167	26	these	these	DET
fbem-1043	167	27	relevant	relevant	ADJ
fbem-1043	167	28	social	social	ADJ
fbem-1043	167	29	pressures	pressure	NOUN
fbem-1043	167	30	has	have	AUX
fbem-1043	167	31	reached	reach	VERB
fbem-1043	167	32	a	a	DET
fbem-1043	167	33	global	global	ADJ
fbem-1043	167	34	level	level	NOUN
fbem-1043	167	35	.	.	PUNCT
fbem-1043	168	1	the	the	DET
fbem-1043	168	2	security	security	NOUN
fbem-1043	168	3	discrepancy	discrepancy	NOUN
fbem-1043	168	4	and	and	CCONJ
fbem-1043	168	5	greater	great	ADJ
fbem-1043	168	6	requirements	requirement	NOUN
fbem-1043	168	7	of	of	ADP
fbem-1043	168	8	productivity	productivity	NOUN
fbem-1043	168	9	associated	associate	VERB
fbem-1043	168	10	with	with	ADP
fbem-1043	168	11	e	e	NOUN
fbem-1043	168	12	-	-	NOUN
fbem-1043	168	13	payment	payment	NOUN
fbem-1043	168	14	systems	system	NOUN
fbem-1043	168	15	have	have	AUX
fbem-1043	168	16	worsened	worsen	VERB
fbem-1043	168	17	the	the	DET
fbem-1043	168	18	social	social	ADJ
fbem-1043	168	19	pressure	pressure	NOUN
fbem-1043	168	20	of	of	ADP
fbem-1043	168	21	e	e	NOUN
fbem-1043	168	22	-	-	NOUN
fbem-1043	168	23	payment	payment	NOUN
fbem-1043	168	24	systems	system	NOUN
fbem-1043	168	25	.	.	PUNCT
fbem-1043	169	1	customers	customer	NOUN
fbem-1043	169	2	’	’	PART
fbem-1043	169	3	confidence	confidence	NOUN
fbem-1043	169	4	and	and	CCONJ
fbem-1043	169	5	trust	trust	NOUN
fbem-1043	169	6	in	in	ADP
fbem-1043	169	7	the	the	DET
fbem-1043	169	8	e	e	NOUN
fbem-1043	169	9	-	-	NOUN
fbem-1043	169	10	payment	payment	NOUN
fbem-1043	169	11	systems	system	NOUN
fbem-1043	169	12	also	also	ADV
fbem-1043	169	13	are	be	AUX
fbem-1043	169	14	sources	source	NOUN
fbem-1043	169	15	of	of	ADP
fbem-1043	169	16	social	social	ADJ
fbem-1043	169	17	pressure	pressure	NOUN
fbem-1043	169	18	.	.	PUNCT
fbem-1043	170	1	in	in	ADP
fbem-1043	170	2	order	order	NOUN
fbem-1043	170	3	to	to	PART
fbem-1043	170	4	alleviate	alleviate	VERB
fbem-1043	170	5	social	social	ADJ
fbem-1043	170	6	pressure	pressure	NOUN
fbem-1043	170	7	,	,	PUNCT
fbem-1043	170	8	it	it	PRON
fbem-1043	170	9	is	be	AUX
fbem-1043	170	10	necessary	necessary	ADJ
fbem-1043	170	11	for	for	SCONJ
fbem-1043	170	12	e	e	NOUN
fbem-1043	170	13	-	-	NOUN
fbem-1043	170	14	payment	payment	NOUN
fbem-1043	170	15	systems	system	NOUN
fbem-1043	170	16	to	to	PART
fbem-1043	170	17	ensure	ensure	VERB
fbem-1043	170	18	customers	customer	NOUN
fbem-1043	170	19	’	’	PART
fbem-1043	170	20	privacy	privacy	NOUN
fbem-1043	170	21	and	and	CCONJ
fbem-1043	170	22	safeguard	safeguard	VERB
fbem-1043	170	23	security	security	NOUN
fbem-1043	170	24	.	.	PUNCT
fbem-1043	171	1	e	e	X
fbem-1043	171	2	-	-	NOUN
fbem-1043	171	3	payment	payment	NOUN
fbem-1043	171	4	systems	system	NOUN
fbem-1043	171	5	as	as	ADP
fbem-1043	171	6	new	new	ADJ
fbem-1043	171	7	innovations	innovation	NOUN
fbem-1043	171	8	will	will	AUX
fbem-1043	171	9	suffer	suffer	VERB
fbem-1043	171	10	social	social	ADJ
fbem-1043	171	11	pressures	pressure	NOUN
fbem-1043	171	12	which	which	PRON
fbem-1043	171	13	decrease	decrease	VERB
fbem-1043	171	14	customers	customer	NOUN
fbem-1043	171	15	’	'	PUNCT
fbem-1043	171	16	confidence	confidence	NOUN
fbem-1043	171	17	,	,	PUNCT
fbem-1043	171	18	which	which	PRON
fbem-1043	171	19	needs	need	VERB
fbem-1043	171	20	to	to	PART
fbem-1043	171	21	research	research	VERB
fbem-1043	171	22	the	the	DET
fbem-1043	171	23	relationship	relationship	NOUN
fbem-1043	171	24	between	between	ADP
fbem-1043	171	25	e	e	NOUN
fbem-1043	171	26	-	-	NOUN
fbem-1043	171	27	payment	payment	NOUN
fbem-1043	171	28	systems	system	NOUN
fbem-1043	171	29	and	and	CCONJ
fbem-1043	171	30	social	social	ADJ
fbem-1043	171	31	pressures	pressure	NOUN
fbem-1043	171	32	(	(	PUNCT
fbem-1043	171	33	masihuddin	masihuddin	NOUN
fbem-1043	171	34	et	et	PROPN
fbem-1043	171	35	al	al	PROPN
fbem-1043	171	36	.	.	PROPN
fbem-1043	171	37	2017	2017	NUM
fbem-1043	171	38	)	)	PUNCT
fbem-1043	171	39	.	.	PUNCT
fbem-1043	172	1	5	5	NUM
fbem-1043	172	2	2.2.9	2.2.9	NUM
fbem-1043	172	3	.	.	PUNCT
fbem-1043	173	1	e	e	X
fbem-1043	173	2	-	-	ADJ
fbem-1043	173	3	payment	payment	ADJ
fbem-1043	173	4	behavior	behavior	NOUN
fbem-1043	173	5	customer	customer	NOUN
fbem-1043	173	6	behaviors	behavior	NOUN
fbem-1043	173	7	will	will	AUX
fbem-1043	173	8	influence	influence	VERB
fbem-1043	173	9	usage	usage	NOUN
fbem-1043	173	10	of	of	ADP
fbem-1043	173	11	e	e	NOUN
fbem-1043	173	12	-	-	NOUN
fbem-1043	173	13	payment	payment	NOUN
fbem-1043	173	14	systems	system	NOUN
fbem-1043	173	15	,	,	PUNCT
fbem-1043	173	16	and	and	CCONJ
fbem-1043	173	17	customer	customer	NOUN
fbem-1043	173	18	behaviors	behavior	NOUN
fbem-1043	173	19	are	be	AUX
fbem-1043	173	20	closely	closely	ADV
fbem-1043	173	21	related	relate	VERB
fbem-1043	173	22	to	to	ADP
fbem-1043	173	23	using	use	VERB
fbem-1043	173	24	e	e	NOUN
fbem-1043	173	25	-	-	NOUN
fbem-1043	173	26	payment	payment	NOUN
fbem-1043	173	27	systems	system	NOUN
fbem-1043	173	28	,	,	PUNCT
fbem-1043	173	29	costs	cost	NOUN
fbem-1043	173	30	of	of	ADP
fbem-1043	173	31	switching	switching	NOUN
fbem-1043	173	32	,	,	PUNCT
fbem-1043	173	33	online	online	ADJ
fbem-1043	173	34	service	service	NOUN
fbem-1043	173	35	adoption	adoption	NOUN
fbem-1043	173	36	,	,	PUNCT
fbem-1043	173	37	online	online	ADJ
fbem-1043	173	38	consumer	consumer	NOUN
fbem-1043	173	39	behavior	behavior	NOUN
fbem-1043	173	40	,	,	PUNCT
fbem-1043	173	41	technology	technology	NOUN
fbem-1043	173	42	acceptance	acceptance	NOUN
fbem-1043	173	43	,	,	PUNCT
fbem-1043	173	44	innovation	innovation	NOUN
fbem-1043	173	45	diffusion	diffusion	NOUN
fbem-1043	173	46	and	and	CCONJ
fbem-1043	173	47	gratification	gratification	NOUN
fbem-1043	173	48	theories	theory	NOUN
fbem-1043	173	49	(	(	PUNCT
fbem-1043	173	50	wiśniewski	wiśniewski	PROPN
fbem-1043	173	51	et	et	PROPN
fbem-1043	173	52	al	al	PROPN
fbem-1043	173	53	.	.	PROPN
fbem-1043	173	54	2021	2021	NUM
fbem-1043	173	55	)	)	PUNCT
fbem-1043	173	56	.	.	PUNCT
fbem-1043	174	1	customer	customer	NOUN
fbem-1043	174	2	behaviors	behavior	NOUN
fbem-1043	174	3	related	relate	VERB
fbem-1043	174	4	to	to	ADP
fbem-1043	174	5	e	e	NOUN
fbem-1043	174	6	-	-	NOUN
fbem-1043	174	7	payment	payment	NOUN
fbem-1043	174	8	systems	system	NOUN
fbem-1043	174	9	have	have	AUX
fbem-1043	174	10	demonstrated	demonstrate	VERB
fbem-1043	174	11	that	that	SCONJ
fbem-1043	174	12	a	a	DET
fbem-1043	174	13	majority	majority	NOUN
fbem-1043	174	14	of	of	ADP
fbem-1043	174	15	customers	customer	NOUN
fbem-1043	174	16	can	can	AUX
fbem-1043	174	17	be	be	AUX
fbem-1043	174	18	considered	consider	VERB
fbem-1043	174	19	as	as	ADP
fbem-1043	174	20	prospective	prospective	ADJ
fbem-1043	174	21	adopters	adopter	NOUN
fbem-1043	174	22	in	in	ADP
fbem-1043	174	23	the	the	DET
fbem-1043	174	24	context	context	NOUN
fbem-1043	174	25	of	of	ADP
fbem-1043	174	26	advertising	advertise	VERB
fbem-1043	174	27	e	e	NOUN
fbem-1043	174	28	-	-	NOUN
fbem-1043	174	29	payment	payment	NOUN
fbem-1043	174	30	systems	system	NOUN
fbem-1043	174	31	.	.	PUNCT
fbem-1043	175	1	the	the	DET
fbem-1043	175	2	customers	customer	NOUN
fbem-1043	175	3	’	’	PART
fbem-1043	175	4	behaviors	behavior	NOUN
fbem-1043	175	5	of	of	ADP
fbem-1043	175	6	adopting	adopt	VERB
fbem-1043	175	7	e	e	NOUN
fbem-1043	175	8	-	-	NOUN
fbem-1043	175	9	payment	payment	NOUN
fbem-1043	175	10	systems	system	NOUN
fbem-1043	175	11	can	can	AUX
fbem-1043	175	12	be	be	AUX
fbem-1043	175	13	promoted	promote	VERB
fbem-1043	175	14	by	by	ADP
fbem-1043	175	15	a	a	DET
fbem-1043	175	16	great	great	ADJ
fbem-1043	175	17	degree	degree	NOUN
fbem-1043	175	18	of	of	ADP
fbem-1043	175	19	internet	internet	NOUN
fbem-1043	175	20	accessibility	accessibility	NOUN
fbem-1043	175	21	.	.	PUNCT
fbem-1043	176	1	customers	customer	NOUN
fbem-1043	176	2	are	be	AUX
fbem-1043	176	3	more	more	ADV
fbem-1043	176	4	willing	willing	ADJ
fbem-1043	176	5	to	to	PART
fbem-1043	176	6	use	use	VERB
fbem-1043	176	7	e	e	NOUN
fbem-1043	176	8	-	-	NOUN
fbem-1043	176	9	payment	payment	NOUN
fbem-1043	176	10	systems	system	NOUN
fbem-1043	176	11	when	when	SCONJ
fbem-1043	176	12	they	they	PRON
fbem-1043	176	13	perceive	perceive	VERB
fbem-1043	176	14	the	the	DET
fbem-1043	176	15	services	service	NOUN
fbem-1043	176	16	provided	provide	VERB
fbem-1043	176	17	by	by	ADP
fbem-1043	176	18	e	e	NOUN
fbem-1043	176	19	-	-	NOUN
fbem-1043	176	20	payment	payment	NOUN
fbem-1043	176	21	systems	system	NOUN
fbem-1043	176	22	with	with	ADP
fbem-1043	176	23	a	a	DET
fbem-1043	176	24	great	great	ADJ
fbem-1043	176	25	level	level	NOUN
fbem-1043	176	26	of	of	ADP
fbem-1043	176	27	convenience	convenience	NOUN
fbem-1043	176	28	(	(	PUNCT
fbem-1043	176	29	chen	chen	PROPN
fbem-1043	176	30	et	et	PROPN
fbem-1043	176	31	al	al	PROPN
fbem-1043	176	32	.	.	PROPN
fbem-1043	176	33	2021	2021	NUM
fbem-1043	176	34	)	)	PUNCT
fbem-1043	176	35	.	.	PUNCT
fbem-1043	177	1	in	in	ADP
fbem-1043	177	2	this	this	DET
fbem-1043	177	3	dissertation	dissertation	NOUN
fbem-1043	177	4	,	,	PUNCT
fbem-1043	177	5	to	to	PART
fbem-1043	177	6	study	study	VERB
fbem-1043	177	7	how	how	SCONJ
fbem-1043	177	8	e	e	NOUN
fbem-1043	177	9	-	-	ADJ
fbem-1043	177	10	payment	payment	ADJ
fbem-1043	177	11	behavior	behavior	NOUN
fbem-1043	177	12	influences	influence	VERB
fbem-1043	177	13	customers	customer	NOUN
fbem-1043	177	14	’	'	PUNCT
fbem-1043	177	15	desires	desire	NOUN
fbem-1043	177	16	of	of	ADP
fbem-1043	177	17	using	use	VERB
fbem-1043	177	18	e	e	NOUN
fbem-1043	177	19	-	-	NOUN
fbem-1043	177	20	payment	payment	NOUN
fbem-1043	177	21	,	,	PUNCT
fbem-1043	177	22	the	the	DET
fbem-1043	177	23	following	follow	VERB
fbem-1043	177	24	hypothesis	hypothesis	NOUN
fbem-1043	177	25	is	be	AUX
fbem-1043	177	26	established	establish	VERB
fbem-1043	177	27	:	:	PUNCT
fbem-1043	177	28	prior	prior	ADJ
fbem-1043	177	29	studies	study	NOUN
fbem-1043	177	30	such	such	ADJ
fbem-1043	177	31	as	as	ADP
fbem-1043	177	32	ozkan	ozkan	PROPN
fbem-1043	177	33	et	et	PROPN
fbem-1043	177	34	al	al	PROPN
fbem-1043	177	35	.	.	PROPN
fbem-1043	178	1	(	(	PUNCT
fbem-1043	178	2	2010	2010	NUM
fbem-1043	178	3	)	)	PUNCT
fbem-1043	178	4	have	have	AUX
fbem-1043	178	5	proposed	propose	VERB
fbem-1043	178	6	that	that	PRON
fbem-1043	178	7	ease	ease	NOUN
fbem-1043	178	8	of	of	ADP
fbem-1043	178	9	use	use	NOUN
fbem-1043	178	10	,	,	PUNCT
fbem-1043	178	11	self	self	NOUN
fbem-1043	178	12	-	-	PUNCT
fbem-1043	178	13	efficacy	efficacy	NOUN
fbem-1043	178	14	,	,	PUNCT
fbem-1043	178	15	benefits	benefit	NOUN
fbem-1043	178	16	,	,	PUNCT
fbem-1043	178	17	trust	trust	NOUN
fbem-1043	178	18	and	and	CCONJ
fbem-1043	178	19	security	security	NOUN
fbem-1043	178	20	are	be	AUX
fbem-1043	178	21	significant	significant	ADJ
fbem-1043	178	22	factors	factor	NOUN
fbem-1043	178	23	which	which	PRON
fbem-1043	178	24	impact	impact	VERB
fbem-1043	178	25	individuals	individual	NOUN
fbem-1043	178	26	’	’	PART
fbem-1043	178	27	adoption	adoption	NOUN
fbem-1043	178	28	of	of	ADP
fbem-1043	178	29	epayment	epayment	NOUN
fbem-1043	178	30	systems	system	NOUN
fbem-1043	178	31	.	.	PUNCT
fbem-1043	179	1	there	there	PRON
fbem-1043	179	2	are	be	VERB
fbem-1043	179	3	few	few	ADJ
fbem-1043	179	4	studies	study	NOUN
fbem-1043	179	5	which	which	PRON
fbem-1043	179	6	focuses	focus	VERB
fbem-1043	179	7	on	on	ADP
fbem-1043	179	8	exploring	explore	VERB
fbem-1043	179	9	the	the	DET
fbem-1043	179	10	mentioned	mention	VERB
fbem-1043	179	11	factors	factor	NOUN
fbem-1043	179	12	in	in	ADP
fbem-1043	179	13	a	a	DET
fbem-1043	179	14	single	single	ADJ
fbem-1043	179	15	country	country	NOUN
fbem-1043	179	16	,	,	PUNCT
fbem-1043	179	17	and	and	CCONJ
fbem-1043	179	18	relevant	relevant	ADJ
fbem-1043	179	19	studies	study	NOUN
fbem-1043	179	20	which	which	PRON
fbem-1043	179	21	have	have	AUX
fbem-1043	179	22	explored	explore	VERB
fbem-1043	179	23	these	these	DET
fbem-1043	179	24	factors	factor	NOUN
fbem-1043	179	25	are	be	AUX
fbem-1043	179	26	made	make	VERB
fbem-1043	179	27	outside	outside	ADP
fbem-1043	179	28	thailand	thailand	PROPN
fbem-1043	179	29	.	.	PUNCT
fbem-1043	180	1	2.3	2.3	NUM
fbem-1043	180	2	.	.	PUNCT
fbem-1043	180	3	hypothesis	hypothesis	NOUN
fbem-1043	180	4	development	development	NOUN
fbem-1043	180	5	based	base	VERB
fbem-1043	180	6	on	on	ADP
fbem-1043	180	7	the	the	DET
fbem-1043	180	8	above	above	ADJ
fbem-1043	180	9	theory	theory	NOUN
fbem-1043	180	10	,	,	PUNCT
fbem-1043	180	11	this	this	DET
fbem-1043	180	12	research	research	NOUN
fbem-1043	180	13	puts	put	VERB
fbem-1043	180	14	forward	forward	ADV
fbem-1043	180	15	the	the	DET
fbem-1043	180	16	following	follow	VERB
fbem-1043	180	17	9	9	NUM
fbem-1043	180	18	hypothesis	hypothesis	NOUN
fbem-1043	180	19	:	:	PUNCT
fbem-1043	180	20	h1o	h1o	ADV
fbem-1043	180	21	:	:	PUNCT
fbem-1043	180	22	the	the	DET
fbem-1043	180	23	benefits	benefit	NOUN
fbem-1043	180	24	of	of	ADP
fbem-1043	180	25	e	e	NOUN
fbem-1043	180	26	-	-	NOUN
fbem-1043	180	27	payment	payment	NOUN
fbem-1043	180	28	significantly	significantly	ADV
fbem-1043	180	29	affect	affect	VERB
fbem-1043	180	30	the	the	DET
fbem-1043	180	31	willingness	willingness	NOUN
fbem-1043	180	32	of	of	ADP
fbem-1043	180	33	chinese	chinese	ADJ
fbem-1043	180	34	customers	customer	NOUN
fbem-1043	180	35	to	to	PART
fbem-1043	180	36	adopt	adopt	VERB
fbem-1043	180	37	electronic	electronic	ADJ
fbem-1043	180	38	payment	payment	NOUN
fbem-1043	180	39	in	in	ADP
fbem-1043	180	40	thailand	thailand	PROPN
fbem-1043	180	41	.	.	PUNCT
fbem-1043	181	1	h2o	h2o	NOUN
fbem-1043	181	2	:	:	PUNCT
fbem-1043	181	3	the	the	DET
fbem-1043	181	4	trust	trust	NOUN
fbem-1043	181	5	and	and	CCONJ
fbem-1043	181	6	security	security	NOUN
fbem-1043	181	7	of	of	ADP
fbem-1043	181	8	e	e	NOUN
fbem-1043	181	9	-	-	NOUN
fbem-1043	181	10	payment	payment	NOUN
fbem-1043	181	11	significantly	significantly	ADV
fbem-1043	181	12	affect	affect	VERB
fbem-1043	181	13	the	the	DET
fbem-1043	181	14	willingness	willingness	NOUN
fbem-1043	181	15	of	of	ADP
fbem-1043	181	16	chinese	chinese	ADJ
fbem-1043	181	17	customers	customer	NOUN
fbem-1043	181	18	to	to	PART
fbem-1043	181	19	adopt	adopt	VERB
fbem-1043	181	20	electronic	electronic	ADJ
fbem-1043	181	21	payment	payment	NOUN
fbem-1043	181	22	in	in	ADP
fbem-1043	181	23	thailand	thailand	PROPN
fbem-1043	181	24	.	.	PUNCT
fbem-1043	182	1	h3o	h3o	PROPN
fbem-1043	182	2	:	:	PUNCT
fbem-1043	182	3	user	user	NOUN
fbem-1043	182	4	friendly	friendly	ADJ
fbem-1043	182	5	electronic	electronic	ADJ
fbem-1043	182	6	payment	payment	NOUN
fbem-1043	182	7	significantly	significantly	ADV
fbem-1043	182	8	affects	affect	VERB
fbem-1043	182	9	the	the	DET
fbem-1043	182	10	willingness	willingness	NOUN
fbem-1043	182	11	of	of	ADP
fbem-1043	182	12	chinese	chinese	ADJ
fbem-1043	182	13	customers	customer	NOUN
fbem-1043	182	14	to	to	PART
fbem-1043	182	15	adopt	adopt	VERB
fbem-1043	182	16	e	e	NOUN
fbem-1043	182	17	-	-	NOUN
fbem-1043	182	18	payment	payment	NOUN
fbem-1043	182	19	in	in	ADP
fbem-1043	182	20	thailand	thailand	PROPN
fbem-1043	182	21	.	.	PUNCT
fbem-1043	183	1	h4o	h4o	NOUN
fbem-1043	183	2	:	:	PUNCT
fbem-1043	184	1	e	e	X
fbem-1043	184	2	-	-	NOUN
fbem-1043	184	3	payment	payment	NOUN
fbem-1043	184	4	technology	technology	NOUN
fbem-1043	184	5	significantly	significantly	ADV
fbem-1043	184	6	affects	affect	VERB
fbem-1043	184	7	the	the	DET
fbem-1043	184	8	willingness	willingness	NOUN
fbem-1043	184	9	of	of	ADP
fbem-1043	184	10	chinese	chinese	ADJ
fbem-1043	184	11	customers	customer	NOUN
fbem-1043	184	12	to	to	PART
fbem-1043	184	13	adopt	adopt	VERB
fbem-1043	184	14	e	e	NOUN
fbem-1043	184	15	-	-	NOUN
fbem-1043	184	16	payment	payment	NOUN
fbem-1043	184	17	in	in	ADP
fbem-1043	184	18	thailand	thailand	PROPN
fbem-1043	184	19	.	.	PUNCT
fbem-1043	185	1	h5o	h5o	NOUN
fbem-1043	185	2	:	:	PUNCT
fbem-1043	185	3	the	the	DET
fbem-1043	185	4	popularity	popularity	NOUN
fbem-1043	185	5	of	of	ADP
fbem-1043	185	6	electronic	electronic	ADJ
fbem-1043	185	7	payment	payment	NOUN
fbem-1043	185	8	has	have	AUX
fbem-1043	185	9	significantly	significantly	ADV
fbem-1043	185	10	affected	affect	VERB
fbem-1043	185	11	the	the	DET
fbem-1043	185	12	willingness	willingness	NOUN
fbem-1043	185	13	of	of	ADP
fbem-1043	185	14	chinese	chinese	ADJ
fbem-1043	185	15	customers	customer	NOUN
fbem-1043	185	16	to	to	PART
fbem-1043	185	17	adopt	adopt	VERB
fbem-1043	185	18	electronic	electronic	ADJ
fbem-1043	185	19	payment	payment	NOUN
fbem-1043	185	20	in	in	ADP
fbem-1043	185	21	thailand	thailand	PROPN
fbem-1043	185	22	.	.	PUNCT
fbem-1043	186	1	h6o	h6o	X
fbem-1043	186	2	:	:	PUNCT
fbem-1043	187	1	e	e	X
fbem-1043	187	2	-	-	NOUN
fbem-1043	187	3	payment	payment	NOUN
fbem-1043	187	4	culture	culture	NOUN
fbem-1043	187	5	significantly	significantly	ADV
fbem-1043	187	6	affects	affect	VERB
fbem-1043	187	7	the	the	DET
fbem-1043	187	8	willingness	willingness	NOUN
fbem-1043	187	9	of	of	ADP
fbem-1043	187	10	chinese	chinese	ADJ
fbem-1043	187	11	consumers	consumer	NOUN
fbem-1043	187	12	to	to	PART
fbem-1043	187	13	adopt	adopt	VERB
fbem-1043	187	14	e	e	NOUN
fbem-1043	187	15	-	-	NOUN
fbem-1043	187	16	payment	payment	NOUN
fbem-1043	187	17	in	in	ADP
fbem-1043	187	18	thailand	thailand	PROPN
fbem-1043	187	19	.	.	PUNCT
fbem-1043	188	1	h7o	h7o	PROPN
fbem-1043	188	2	:	:	PUNCT
fbem-1043	188	3	the	the	DET
fbem-1043	188	4	government	government	NOUN
fbem-1043	188	5	policy	policy	NOUN
fbem-1043	188	6	of	of	ADP
fbem-1043	188	7	e	e	NOUN
fbem-1043	188	8	-	-	NOUN
fbem-1043	188	9	payment	payment	NOUN
fbem-1043	188	10	significantly	significantly	ADV
fbem-1043	188	11	affects	affect	VERB
fbem-1043	188	12	the	the	DET
fbem-1043	188	13	willingness	willingness	NOUN
fbem-1043	188	14	of	of	ADP
fbem-1043	188	15	chinese	chinese	ADJ
fbem-1043	188	16	customers	customer	NOUN
fbem-1043	188	17	to	to	PART
fbem-1043	188	18	adopt	adopt	VERB
fbem-1043	188	19	epayment	epayment	NOUN
fbem-1043	188	20	in	in	ADP
fbem-1043	188	21	thailand	thailand	PROPN
fbem-1043	188	22	.	.	PUNCT
fbem-1043	189	1	h8o	h8o	PROPN
fbem-1043	189	2	:	:	PUNCT
fbem-1043	189	3	the	the	DET
fbem-1043	189	4	social	social	ADJ
fbem-1043	189	5	pressure	pressure	NOUN
fbem-1043	189	6	of	of	ADP
fbem-1043	189	7	e	e	NOUN
fbem-1043	189	8	-	-	NOUN
fbem-1043	189	9	payment	payment	NOUN
fbem-1043	189	10	significantly	significantly	ADV
fbem-1043	189	11	affects	affect	VERB
fbem-1043	189	12	the	the	DET
fbem-1043	189	13	willingness	willingness	NOUN
fbem-1043	189	14	of	of	ADP
fbem-1043	189	15	chinese	chinese	ADJ
fbem-1043	189	16	customers	customer	NOUN
fbem-1043	189	17	to	to	PART
fbem-1043	189	18	adopt	adopt	VERB
fbem-1043	189	19	e	e	NOUN
fbem-1043	189	20	-	-	NOUN
fbem-1043	189	21	payment	payment	NOUN
fbem-1043	189	22	in	in	ADP
fbem-1043	189	23	thailand	thailand	PROPN
fbem-1043	189	24	.	.	PUNCT
fbem-1043	190	1	h9o	h9o	PROPN
fbem-1043	190	2	:	:	PUNCT
fbem-1043	191	1	e	e	X
fbem-1043	191	2	-	-	ADJ
fbem-1043	191	3	payment	payment	ADJ
fbem-1043	191	4	behavior	behavior	NOUN
fbem-1043	191	5	significantly	significantly	ADV
fbem-1043	191	6	affects	affect	VERB
fbem-1043	191	7	the	the	DET
fbem-1043	191	8	willingness	willingness	NOUN
fbem-1043	191	9	of	of	ADP
fbem-1043	191	10	chinese	chinese	ADJ
fbem-1043	191	11	customers	customer	NOUN
fbem-1043	191	12	to	to	PART
fbem-1043	191	13	adopt	adopt	VERB
fbem-1043	191	14	e	e	NOUN
fbem-1043	191	15	-	-	NOUN
fbem-1043	191	16	payment	payment	NOUN
fbem-1043	191	17	in	in	ADP
fbem-1043	191	18	thailand	thailand	PROPN
fbem-1043	191	19	.	.	PUNCT
fbem-1043	192	1	3	3	X
fbem-1043	192	2	.	.	X
fbem-1043	192	3	methodology	methodology	NOUN
fbem-1043	192	4	&	&	CCONJ
fbem-1043	192	5	results	result	VERB
fbem-1043	192	6	3.1	3.1	NUM
fbem-1043	192	7	.	.	PUNCT
fbem-1043	192	8	methodology	methodology	NOUN
fbem-1043	192	9	in	in	ADP
fbem-1043	192	10	this	this	DET
fbem-1043	192	11	section	section	NOUN
fbem-1043	193	1	,	,	PUNCT
fbem-1043	193	2	its	its	PRON
fbem-1043	193	3	main	main	ADJ
fbem-1043	193	4	objectives	objective	NOUN
fbem-1043	193	5	are	be	AUX
fbem-1043	193	6	to	to	PART
fbem-1043	193	7	demonstrate	demonstrate	VERB
fbem-1043	193	8	the	the	DET
fbem-1043	193	9	methodology	methodology	NOUN
fbem-1043	193	10	of	of	ADP
fbem-1043	193	11	data	datum	NOUN
fbem-1043	193	12	collection	collection	NOUN
fbem-1043	193	13	and	and	CCONJ
fbem-1043	193	14	to	to	PART
fbem-1043	193	15	analyze	analyze	VERB
fbem-1043	193	16	data	datum	NOUN
fbem-1043	193	17	.	.	PUNCT
fbem-1043	194	1	it	it	PRON
fbem-1043	194	2	includes	include	VERB
fbem-1043	194	3	the	the	DET
fbem-1043	194	4	method	method	NOUN
fbem-1043	194	5	of	of	ADP
fbem-1043	194	6	research	research	NOUN
fbem-1043	194	7	,	,	PUNCT
fbem-1043	194	8	the	the	DET
fbem-1043	194	9	design	design	NOUN
fbem-1043	194	10	of	of	ADP
fbem-1043	194	11	research	research	NOUN
fbem-1043	194	12	,	,	PUNCT
fbem-1043	194	13	the	the	DET
fbem-1043	194	14	method	method	NOUN
fbem-1043	194	15	of	of	ADP
fbem-1043	194	16	collecting	collect	VERB
fbem-1043	194	17	data	datum	NOUN
fbem-1043	194	18	,	,	PUNCT
fbem-1043	194	19	the	the	DET
fbem-1043	194	20	design	design	NOUN
fbem-1043	194	21	of	of	ADP
fbem-1043	194	22	sampling	sampling	NOUN
fbem-1043	194	23	,	,	PUNCT
fbem-1043	194	24	the	the	DET
fbem-1043	194	25	design	design	NOUN
fbem-1043	194	26	and	and	CCONJ
fbem-1043	194	27	development	development	NOUN
fbem-1043	194	28	of	of	ADP
fbem-1043	194	29	survey	survey	NOUN
fbem-1043	194	30	,	,	PUNCT
fbem-1043	194	31	the	the	DET
fbem-1043	194	32	structure	structure	NOUN
fbem-1043	194	33	of	of	ADP
fbem-1043	194	34	coding	code	VERB
fbem-1043	194	35	,	,	PUNCT
fbem-1043	194	36	as	as	ADV
fbem-1043	194	37	well	well	ADV
fbem-1043	194	38	as	as	ADP
fbem-1043	194	39	the	the	DET
fbem-1043	194	40	reporting	reporting	NOUN
fbem-1043	194	41	and	and	CCONJ
fbem-1043	194	42	analyzing	analyze	VERB
fbem-1043	194	43	data	datum	NOUN
fbem-1043	194	44	.	.	PUNCT
fbem-1043	195	1	meanwhile	meanwhile	ADV
fbem-1043	195	2	,	,	PUNCT
fbem-1043	195	3	it	it	PRON
fbem-1043	195	4	also	also	ADV
fbem-1043	195	5	includes	include	VERB
fbem-1043	195	6	reliability	reliability	NOUN
fbem-1043	195	7	and	and	CCONJ
fbem-1043	195	8	validity	validity	NOUN
fbem-1043	195	9	of	of	ADP
fbem-1043	195	10	data	datum	NOUN
fbem-1043	195	11	as	as	ADV
fbem-1043	195	12	well	well	ADV
fbem-1043	195	13	as	as	ADP
fbem-1043	195	14	ethic	ethic	ADJ
fbem-1043	195	15	issues	issue	NOUN
fbem-1043	195	16	.	.	PUNCT
fbem-1043	196	1	3.1.1	3.1.1	X
fbem-1043	196	2	.	.	PUNCT
fbem-1043	196	3	research	research	NOUN
fbem-1043	196	4	method	method	NOUN
fbem-1043	196	5	research	research	NOUN
fbem-1043	196	6	methods	method	NOUN
fbem-1043	196	7	include	include	VERB
fbem-1043	196	8	the	the	DET
fbem-1043	196	9	adopted	adopt	VERB
fbem-1043	196	10	ways	way	NOUN
fbem-1043	196	11	,	,	PUNCT
fbem-1043	196	12	process	process	NOUN
fbem-1043	196	13	and	and	CCONJ
fbem-1043	196	14	techniques	technique	NOUN
fbem-1043	196	15	to	to	PART
fbem-1043	196	16	collect	collect	VERB
fbem-1043	196	17	data	datum	NOUN
fbem-1043	196	18	,	,	PUNCT
fbem-1043	196	19	and	and	CCONJ
fbem-1043	196	20	the	the	DET
fbem-1043	196	21	aims	aim	NOUN
fbem-1043	196	22	of	of	ADP
fbem-1043	196	23	research	research	NOUN
fbem-1043	196	24	methods	method	NOUN
fbem-1043	196	25	are	be	AUX
fbem-1043	196	26	to	to	PART
fbem-1043	196	27	fully	fully	ADV
fbem-1043	196	28	understand	understand	VERB
fbem-1043	196	29	the	the	DET
fbem-1043	196	30	research	research	NOUN
fbem-1043	196	31	topic	topic	NOUN
fbem-1043	196	32	as	as	ADV
fbem-1043	196	33	well	well	ADV
fbem-1043	196	34	as	as	ADP
fbem-1043	196	35	to	to	PART
fbem-1043	196	36	explore	explore	VERB
fbem-1043	196	37	new	new	ADJ
fbem-1043	196	38	knowledge	knowledge	NOUN
fbem-1043	196	39	.	.	PUNCT
fbem-1043	197	1	there	there	PRON
fbem-1043	197	2	are	be	VERB
fbem-1043	197	3	three	three	NUM
fbem-1043	197	4	categories	category	NOUN
fbem-1043	197	5	of	of	ADP
fbem-1043	197	6	research	research	NOUN
fbem-1043	197	7	methods	method	NOUN
fbem-1043	197	8	which	which	PRON
fbem-1043	197	9	are	be	AUX
fbem-1043	197	10	respectively	respectively	ADV
fbem-1043	197	11	quantitative	quantitative	ADJ
fbem-1043	197	12	research	research	NOUN
fbem-1043	197	13	method	method	NOUN
fbem-1043	197	14	,	,	PUNCT
fbem-1043	197	15	qualitative	qualitative	ADJ
fbem-1043	197	16	research	research	NOUN
fbem-1043	197	17	method	method	NOUN
fbem-1043	197	18	and	and	CCONJ
fbem-1043	197	19	the	the	DET
fbem-1043	197	20	mixed	mixed	ADJ
fbem-1043	197	21	research	research	NOUN
fbem-1043	197	22	method	method	NOUN
fbem-1043	197	23	.	.	PUNCT
fbem-1043	198	1	more	more	ADV
fbem-1043	198	2	specifically	specifically	ADV
fbem-1043	198	3	,	,	PUNCT
fbem-1043	198	4	the	the	DET
fbem-1043	198	5	quantitative	quantitative	ADJ
fbem-1043	198	6	research	research	NOUN
fbem-1043	198	7	method	method	NOUN
fbem-1043	198	8	is	be	AUX
fbem-1043	198	9	adopted	adopt	VERB
fbem-1043	198	10	to	to	PART
fbem-1043	198	11	examine	examine	VERB
fbem-1043	198	12	the	the	DET
fbem-1043	198	13	research	research	NOUN
fbem-1043	198	14	questions	question	NOUN
fbem-1043	198	15	through	through	ADP
fbem-1043	198	16	offering	offer	VERB
fbem-1043	198	17	numerical	numerical	ADJ
fbem-1043	198	18	data	datum	NOUN
fbem-1043	198	19	or	or	CCONJ
fbem-1043	198	20	results	result	NOUN
fbem-1043	198	21	which	which	PRON
fbem-1043	198	22	can	can	AUX
fbem-1043	198	23	be	be	AUX
fbem-1043	198	24	converted	convert	VERB
fbem-1043	198	25	into	into	ADP
fbem-1043	198	26	tables	table	NOUN
fbem-1043	198	27	and	and	CCONJ
fbem-1043	198	28	figures	figure	NOUN
fbem-1043	198	29	.	.	PUNCT
fbem-1043	199	1	hence	hence	ADV
fbem-1043	199	2	,	,	PUNCT
fbem-1043	199	3	the	the	DET
fbem-1043	199	4	quantitative	quantitative	ADJ
fbem-1043	199	5	research	research	NOUN
fbem-1043	199	6	method	method	NOUN
fbem-1043	199	7	is	be	AUX
fbem-1043	199	8	adopted	adopt	VERB
fbem-1043	199	9	to	to	PART
fbem-1043	199	10	explore	explore	VERB
fbem-1043	199	11	actions	action	NOUN
fbem-1043	199	12	,	,	PUNCT
fbem-1043	199	13	beliefs	belief	NOUN
fbem-1043	199	14	and	and	CCONJ
fbem-1043	199	15	behaviors	behavior	NOUN
fbem-1043	199	16	in	in	ADP
fbem-1043	199	17	order	order	NOUN
fbem-1043	199	18	to	to	PART
fbem-1043	199	19	generalize	generalize	VERB
fbem-1043	199	20	results	result	NOUN
fbem-1043	199	21	into	into	ADP
fbem-1043	199	22	a	a	DET
fbem-1043	199	23	greater	great	ADJ
fbem-1043	199	24	scope	scope	NOUN
fbem-1043	199	25	of	of	ADP
fbem-1043	199	26	population	population	NOUN
fbem-1043	199	27	(	(	PUNCT
fbem-1043	199	28	defranzo	defranzo	NOUN
fbem-1043	199	29	,	,	PUNCT
fbem-1043	199	30	2011	2011	NUM
fbem-1043	199	31	)	)	PUNCT
fbem-1043	199	32	.	.	PUNCT
fbem-1043	200	1	the	the	DET
fbem-1043	200	2	qualitative	qualitative	ADJ
fbem-1043	200	3	research	research	NOUN
fbem-1043	200	4	method	method	NOUN
fbem-1043	200	5	is	be	AUX
fbem-1043	200	6	adopted	adopt	VERB
fbem-1043	200	7	to	to	PART
fbem-1043	200	8	research	research	VERB
fbem-1043	200	9	the	the	DET
fbem-1043	200	10	potential	potential	ADJ
fbem-1043	200	11	desires	desire	NOUN
fbem-1043	200	12	,	,	PUNCT
fbem-1043	200	13	beliefs	belief	NOUN
fbem-1043	200	14	and	and	CCONJ
fbem-1043	200	15	causes	cause	NOUN
fbem-1043	200	16	.	.	PUNCT
fbem-1043	201	1	therefore	therefore	ADV
fbem-1043	201	2	,	,	PUNCT
fbem-1043	201	3	the	the	DET
fbem-1043	201	4	qualitative	qualitative	ADJ
fbem-1043	201	5	research	research	NOUN
fbem-1043	201	6	method	method	NOUN
fbem-1043	201	7	can	can	AUX
fbem-1043	201	8	provide	provide	VERB
fbem-1043	201	9	the	the	DET
fbem-1043	201	10	researcher	researcher	NOUN
fbem-1043	201	11	with	with	ADP
fbem-1043	201	12	valuable	valuable	ADJ
fbem-1043	201	13	insights	insight	NOUN
fbem-1043	201	14	to	to	PART
fbem-1043	201	15	create	create	VERB
fbem-1043	201	16	theories	theory	NOUN
fbem-1043	201	17	and	and	CCONJ
fbem-1043	201	18	concepts	concept	NOUN
fbem-1043	201	19	in	in	ADP
fbem-1043	201	20	order	order	NOUN
fbem-1043	201	21	to	to	PART
fbem-1043	201	22	support	support	VERB
fbem-1043	201	23	the	the	DET
fbem-1043	201	24	quantitative	quantitative	ADJ
fbem-1043	201	25	analysis	analysis	NOUN
fbem-1043	201	26	in	in	ADP
fbem-1043	201	27	the	the	DET
fbem-1043	201	28	future	future	ADJ
fbem-1043	201	29	research	research	NOUN
fbem-1043	201	30	.	.	PUNCT
fbem-1043	202	1	in	in	ADP
fbem-1043	202	2	the	the	DET
fbem-1043	202	3	mixed	mixed	ADJ
fbem-1043	202	4	research	research	NOUN
fbem-1043	202	5	method	method	NOUN
fbem-1043	202	6	,	,	PUNCT
fbem-1043	202	7	both	both	PRON
fbem-1043	202	8	quantitative	quantitative	ADJ
fbem-1043	202	9	analysis	analysis	NOUN
fbem-1043	202	10	and	and	CCONJ
fbem-1043	202	11	qualitative	qualitative	ADJ
fbem-1043	202	12	analysis	analysis	NOUN
fbem-1043	202	13	will	will	AUX
fbem-1043	202	14	be	be	AUX
fbem-1043	202	15	mixed	mix	VERB
fbem-1043	202	16	.	.	PUNCT
fbem-1043	203	1	according	accord	VERB
fbem-1043	203	2	to	to	ADP
fbem-1043	203	3	kothari	kothari	PROPN
fbem-1043	203	4	(	(	PUNCT
fbem-1043	203	5	2004	2004	NUM
fbem-1043	203	6	)	)	PUNCT
fbem-1043	203	7	,	,	PUNCT
fbem-1043	203	8	the	the	DET
fbem-1043	203	9	mixed	mixed	ADJ
fbem-1043	203	10	research	research	NOUN
fbem-1043	203	11	method	method	NOUN
fbem-1043	203	12	provides	provide	VERB
fbem-1043	203	13	a	a	DET
fbem-1043	203	14	systematic	systematic	ADJ
fbem-1043	203	15	way	way	NOUN
fbem-1043	203	16	which	which	PRON
fbem-1043	203	17	integrates	integrate	VERB
fbem-1043	203	18	statistical	statistical	ADJ
fbem-1043	203	19	results	result	NOUN
fbem-1043	203	20	into	into	ADP
fbem-1043	203	21	more	more	ADJ
fbem-1043	203	22	theoretical	theoretical	ADJ
fbem-1043	203	23	analytics	analytic	NOUN
fbem-1043	203	24	and	and	CCONJ
fbem-1043	203	25	aspects	aspect	NOUN
fbem-1043	203	26	.	.	PUNCT
fbem-1043	204	1	in	in	ADP
fbem-1043	204	2	this	this	DET
fbem-1043	204	3	study	study	NOUN
fbem-1043	204	4	,	,	PUNCT
fbem-1043	204	5	it	it	PRON
fbem-1043	204	6	will	will	AUX
fbem-1043	204	7	apply	apply	VERB
fbem-1043	204	8	the	the	DET
fbem-1043	204	9	quantitative	quantitative	ADJ
fbem-1043	204	10	research	research	NOUN
fbem-1043	204	11	method	method	NOUN
fbem-1043	204	12	since	since	SCONJ
fbem-1043	204	13	it	it	PRON
fbem-1043	204	14	focuses	focus	VERB
fbem-1043	204	15	on	on	ADP
fbem-1043	204	16	evaluating	evaluate	VERB
fbem-1043	204	17	factors	factor	NOUN
fbem-1043	204	18	which	which	PRON
fbem-1043	204	19	influence	influence	VERB
fbem-1043	204	20	the	the	DET
fbem-1043	204	21	chinese	chinese	ADJ
fbem-1043	204	22	customers	customer	NOUN
fbem-1043	204	23	’	'	PUNCT
fbem-1043	204	24	desire	desire	NOUN
fbem-1043	204	25	to	to	PART
fbem-1043	204	26	use	use	VERB
fbem-1043	204	27	e	e	NOUN
fbem-1043	204	28	-	-	NOUN
fbem-1043	204	29	payment	payment	NOUN
fbem-1043	204	30	in	in	ADP
fbem-1043	204	31	thailand	thailand	PROPN
fbem-1043	204	32	,	,	PUNCT
fbem-1043	204	33	and	and	CCONJ
fbem-1043	204	34	the	the	DET
fbem-1043	204	35	factors	factor	NOUN
fbem-1043	204	36	are	be	AUX
fbem-1043	204	37	respectively	respectively	ADV
fbem-1043	204	38	e	e	NOUN
fbem-1043	204	39	-	-	ADJ
fbem-1043	204	40	payment	payment	NOUN
fbem-1043	204	41	benefits	benefit	NOUN
fbem-1043	204	42	,	,	PUNCT
fbem-1043	204	43	epayment	epayment	ADJ
fbem-1043	204	44	trust	trust	NOUN
fbem-1043	204	45	and	and	CCONJ
fbem-1043	204	46	security	security	NOUN
fbem-1043	204	47	,	,	PUNCT
fbem-1043	204	48	e	e	NOUN
fbem-1043	204	49	-	-	NOUN
fbem-1043	204	50	payment	payment	NOUN
fbem-1043	204	51	user	user	NOUN
fbem-1043	204	52	friendly	friendly	ADJ
fbem-1043	204	53	,	,	PUNCT
fbem-1043	204	54	epayment	epayment	ADJ
fbem-1043	204	55	technology	technology	NOUN
fbem-1043	204	56	,	,	PUNCT
fbem-1043	204	57	e	e	NOUN
fbem-1043	204	58	-	-	NOUN
fbem-1043	204	59	payment	payment	NOUN
fbem-1043	204	60	popularity	popularity	NOUN
fbem-1043	204	61	,	,	PUNCT
fbem-1043	204	62	e	e	NOUN
fbem-1043	204	63	-	-	NOUN
fbem-1043	204	64	payment	payment	NOUN
fbem-1043	204	65	culture	culture	NOUN
fbem-1043	204	66	,	,	PUNCT
fbem-1043	204	67	e	e	NOUN
fbem-1043	204	68	-	-	ADJ
fbem-1043	204	69	payment	payment	NOUN
fbem-1043	204	70	government	government	NOUN
fbem-1043	204	71	policy	policy	NOUN
fbem-1043	204	72	,	,	PUNCT
fbem-1043	204	73	e	e	NOUN
fbem-1043	204	74	-	-	ADJ
fbem-1043	204	75	payment	payment	ADJ
fbem-1043	204	76	social	social	ADJ
fbem-1043	204	77	pressure	pressure	NOUN
fbem-1043	204	78	,	,	PUNCT
fbem-1043	204	79	and	and	CCONJ
fbem-1043	204	80	e	e	NOUN
fbem-1043	204	81	-	-	NOUN
fbem-1043	204	82	payment	payment	NOUN
fbem-1043	204	83	behavior	behavior	NOUN
fbem-1043	204	84	.	.	PUNCT
fbem-1043	205	1	moreover	moreover	ADV
fbem-1043	205	2	,	,	PUNCT
fbem-1043	205	3	the	the	DET
fbem-1043	205	4	quantitative	quantitative	ADJ
fbem-1043	205	5	research	research	NOUN
fbem-1043	205	6	method	method	NOUN
fbem-1043	205	7	is	be	AUX
fbem-1043	205	8	selected	select	VERB
fbem-1043	205	9	to	to	PART
fbem-1043	205	10	generate	generate	VERB
fbem-1043	205	11	numerical	numerical	ADJ
fbem-1043	205	12	tables	table	NOUN
fbem-1043	205	13	and	and	CCONJ
fbem-1043	205	14	figures	figure	NOUN
fbem-1043	205	15	,	,	PUNCT
fbem-1043	205	16	thus	thus	ADV
fbem-1043	205	17	summarizing	summarize	VERB
fbem-1043	205	18	statistic	statistic	ADJ
fbem-1043	205	19	outcome	outcome	NOUN
fbem-1043	205	20	.	.	PUNCT
fbem-1043	206	1	to	to	PART
fbem-1043	206	2	collect	collect	VERB
fbem-1043	206	3	data	datum	NOUN
fbem-1043	206	4	,	,	PUNCT
fbem-1043	206	5	this	this	DET
fbem-1043	206	6	study	study	NOUN
fbem-1043	206	7	applies	apply	VERB
fbem-1043	206	8	the	the	DET
fbem-1043	206	9	online	online	ADJ
fbem-1043	206	10	quantitative	quantitative	ADJ
fbem-1043	206	11	survey	survey	NOUN
fbem-1043	206	12	.	.	PUNCT
fbem-1043	207	1	3.1.2	3.1.2	X
fbem-1043	207	2	.	.	PUNCT
fbem-1043	207	3	research	research	NOUN
fbem-1043	207	4	design	design	VERB
fbem-1043	207	5	the	the	DET
fbem-1043	207	6	objective	objective	NOUN
fbem-1043	207	7	of	of	ADP
fbem-1043	207	8	research	research	NOUN
fbem-1043	207	9	design	design	NOUN
fbem-1043	207	10	is	be	AUX
fbem-1043	207	11	to	to	PART
fbem-1043	207	12	explore	explore	VERB
fbem-1043	207	13	strategies	strategy	NOUN
fbem-1043	207	14	for	for	ADP
fbem-1043	207	15	data	datum	NOUN
fbem-1043	207	16	collection	collection	NOUN
fbem-1043	207	17	through	through	ADP
fbem-1043	207	18	costing	cost	VERB
fbem-1043	207	19	fewer	few	ADJ
fbem-1043	207	20	resources	resource	NOUN
fbem-1043	207	21	and	and	CCONJ
fbem-1043	207	22	energy	energy	NOUN
fbem-1043	207	23	(	(	PUNCT
fbem-1043	207	24	kothari	kothari	PROPN
fbem-1043	207	25	,	,	PUNCT
fbem-1043	207	26	2004	2004	NUM
fbem-1043	207	27	)	)	PUNCT
fbem-1043	207	28	.	.	PUNCT
fbem-1043	208	1	the	the	DET
fbem-1043	208	2	research	research	NOUN
fbem-1043	208	3	design	design	NOUN
fbem-1043	208	4	includes	include	VERB
fbem-1043	208	5	different	different	ADJ
fbem-1043	208	6	factors	factor	NOUN
fbem-1043	208	7	such	such	ADJ
fbem-1043	208	8	as	as	ADP
fbem-1043	208	9	how	how	SCONJ
fbem-1043	208	10	,	,	PUNCT
fbem-1043	208	11	how	how	SCONJ
fbem-1043	208	12	much	much	ADJ
fbem-1043	208	13	,	,	PUNCT
fbem-1043	208	14	when	when	SCONJ
fbem-1043	208	15	,	,	PUNCT
fbem-1043	208	16	where	where	SCONJ
fbem-1043	208	17	and	and	CCONJ
fbem-1043	208	18	what	what	PRON
fbem-1043	208	19	(	(	PUNCT
fbem-1043	208	20	kothari	kothari	PROPN
fbem-1043	208	21	,	,	PUNCT
fbem-1043	208	22	2004	2004	NUM
fbem-1043	208	23	)	)	PUNCT
fbem-1043	208	24	.	.	PUNCT
fbem-1043	209	1	it	it	PRON
fbem-1043	209	2	contributes	contribute	VERB
fbem-1043	209	3	the	the	DET
fbem-1043	209	4	researcher	researcher	NOUN
fbem-1043	209	5	to	to	ADP
fbem-1043	209	6	deciding	decide	VERB
fbem-1043	209	7	and	and	CCONJ
fbem-1043	209	8	6	6	NUM
fbem-1043	209	9	communicating	communicate	VERB
fbem-1043	209	10	related	relate	VERB
fbem-1043	209	11	to	to	ADP
fbem-1043	209	12	the	the	DET
fbem-1043	209	13	whole	whole	ADJ
fbem-1043	209	14	designs	design	NOUN
fbem-1043	209	15	of	of	ADP
fbem-1043	209	16	the	the	DET
fbem-1043	209	17	research	research	NOUN
fbem-1043	209	18	,	,	PUNCT
fbem-1043	209	19	the	the	DET
fbem-1043	209	20	methods	method	NOUN
fbem-1043	209	21	of	of	ADP
fbem-1043	209	22	collecting	collect	VERB
fbem-1043	209	23	data	datum	NOUN
fbem-1043	209	24	,	,	PUNCT
fbem-1043	209	25	the	the	DET
fbem-1043	209	26	selection	selection	NOUN
fbem-1043	209	27	of	of	ADP
fbem-1043	209	28	respondents	respondent	NOUN
fbem-1043	209	29	,	,	PUNCT
fbem-1043	209	30	the	the	DET
fbem-1043	209	31	analysis	analysis	NOUN
fbem-1043	209	32	of	of	ADP
fbem-1043	209	33	data	datum	NOUN
fbem-1043	209	34	and	and	CCONJ
fbem-1043	209	35	the	the	DET
fbem-1043	209	36	presentation	presentation	NOUN
fbem-1043	209	37	of	of	ADP
fbem-1043	209	38	results	result	NOUN
fbem-1043	209	39	.	.	PUNCT
fbem-1043	210	1	there	there	PRON
fbem-1043	210	2	are	be	VERB
fbem-1043	210	3	three	three	NUM
fbem-1043	210	4	types	type	NOUN
fbem-1043	210	5	of	of	ADP
fbem-1043	210	6	research	research	NOUN
fbem-1043	210	7	designs	design	NOUN
fbem-1043	210	8	which	which	PRON
fbem-1043	210	9	are	be	AUX
fbem-1043	210	10	explanatory	explanatory	ADJ
fbem-1043	210	11	,	,	PUNCT
fbem-1043	210	12	descriptive	descriptive	ADJ
fbem-1043	210	13	and	and	CCONJ
fbem-1043	210	14	exploratory	exploratory	ADJ
fbem-1043	210	15	research	research	NOUN
fbem-1043	210	16	design	design	NOUN
fbem-1043	210	17	(	(	PUNCT
fbem-1043	210	18	kumar	kumar	PROPN
fbem-1043	210	19	2011	2011	NUM
fbem-1043	210	20	)	)	PUNCT
fbem-1043	210	21	.	.	PUNCT
fbem-1043	211	1	firstly	firstly	ADV
fbem-1043	211	2	,	,	PUNCT
fbem-1043	211	3	explanatory	explanatory	ADJ
fbem-1043	211	4	research	research	NOUN
fbem-1043	211	5	design	design	NOUN
fbem-1043	211	6	is	be	AUX
fbem-1043	211	7	also	also	ADV
fbem-1043	211	8	named	name	VERB
fbem-1043	211	9	as	as	ADP
fbem-1043	211	10	causal	causal	ADJ
fbem-1043	211	11	study	study	NOUN
fbem-1043	211	12	which	which	PRON
fbem-1043	211	13	focuses	focus	VERB
fbem-1043	211	14	on	on	ADP
fbem-1043	211	15	interpreting	interpret	VERB
fbem-1043	211	16	the	the	DET
fbem-1043	211	17	influences	influence	NOUN
fbem-1043	211	18	on	on	ADP
fbem-1043	211	19	existing	exist	VERB
fbem-1043	211	20	operational	operational	ADJ
fbem-1043	211	21	process	process	NOUN
fbem-1043	211	22	related	relate	VERB
fbem-1043	211	23	to	to	ADP
fbem-1043	211	24	specific	specific	ADJ
fbem-1043	211	25	developments	development	NOUN
fbem-1043	211	26	.	.	PUNCT
fbem-1043	212	1	the	the	DET
fbem-1043	212	2	most	most	ADV
fbem-1043	212	3	frequent	frequent	ADJ
fbem-1043	212	4	approach	approach	NOUN
fbem-1043	212	5	associated	associate	VERB
fbem-1043	212	6	with	with	ADP
fbem-1043	212	7	the	the	DET
fbem-1043	212	8	explanatory	explanatory	ADJ
fbem-1043	212	9	research	research	NOUN
fbem-1043	212	10	design	design	NOUN
fbem-1043	212	11	refers	refer	VERB
fbem-1043	212	12	to	to	ADP
fbem-1043	212	13	experimentation	experimentation	NOUN
fbem-1043	212	14	(	(	PUNCT
fbem-1043	212	15	theintactone	theintactone	NOUN
fbem-1043	212	16	2018	2018	NUM
fbem-1043	212	17	)	)	PUNCT
fbem-1043	212	18	.	.	PUNCT
fbem-1043	213	1	secondly	secondly	ADV
fbem-1043	213	2	,	,	PUNCT
fbem-1043	213	3	in	in	ADP
fbem-1043	213	4	terms	term	NOUN
fbem-1043	213	5	of	of	ADP
fbem-1043	213	6	the	the	DET
fbem-1043	213	7	descriptive	descriptive	ADJ
fbem-1043	213	8	research	research	NOUN
fbem-1043	213	9	design	design	NOUN
fbem-1043	213	10	,	,	PUNCT
fbem-1043	213	11	it	it	PRON
fbem-1043	213	12	includes	include	VERB
fbem-1043	213	13	description	description	NOUN
fbem-1043	213	14	,	,	PUNCT
fbem-1043	213	15	explanation	explanation	NOUN
fbem-1043	213	16	,	,	PUNCT
fbem-1043	213	17	and	and	CCONJ
fbem-1043	213	18	validity	validity	NOUN
fbem-1043	213	19	.	.	PUNCT
fbem-1043	214	1	in	in	ADP
fbem-1043	214	2	the	the	DET
fbem-1043	214	3	descriptive	descriptive	ADJ
fbem-1043	214	4	research	research	NOUN
fbem-1043	214	5	,	,	PUNCT
fbem-1043	214	6	it	it	PRON
fbem-1043	214	7	includes	include	VERB
fbem-1043	214	8	closed	close	VERB
fbem-1043	214	9	-	-	PUNCT
fbem-1043	214	10	end	end	NOUN
fbem-1043	214	11	questions	question	NOUN
fbem-1043	214	12	and	and	CCONJ
fbem-1043	214	13	analyzes	analyze	NOUN
fbem-1043	214	14	frequency	frequency	NOUN
fbem-1043	214	15	,	,	PUNCT
fbem-1043	214	16	median	median	NOUN
fbem-1043	214	17	,	,	PUNCT
fbem-1043	214	18	average	average	ADJ
fbem-1043	214	19	and	and	CCONJ
fbem-1043	214	20	mean	mean	ADJ
fbem-1043	214	21	.	.	PUNCT
fbem-1043	215	1	thirdly	thirdly	ADV
fbem-1043	215	2	,	,	PUNCT
fbem-1043	215	3	regarding	regard	VERB
fbem-1043	215	4	the	the	DET
fbem-1043	215	5	exploratory	exploratory	ADJ
fbem-1043	215	6	research	research	NOUN
fbem-1043	215	7	design	design	NOUN
fbem-1043	215	8	,	,	PUNCT
fbem-1043	215	9	it	it	PRON
fbem-1043	215	10	focuses	focus	VERB
fbem-1043	215	11	on	on	ADP
fbem-1043	215	12	addressing	address	VERB
fbem-1043	215	13	research	research	NOUN
fbem-1043	215	14	questions	question	NOUN
fbem-1043	215	15	without	without	ADP
fbem-1043	215	16	offering	offer	VERB
fbem-1043	215	17	any	any	DET
fbem-1043	215	18	subjective	subjective	ADJ
fbem-1043	215	19	guidance	guidance	NOUN
fbem-1043	215	20	in	in	ADP
fbem-1043	215	21	the	the	DET
fbem-1043	215	22	research	research	NOUN
fbem-1043	215	23	process	process	NOUN
fbem-1043	215	24	.	.	PUNCT
fbem-1043	216	1	therefore	therefore	ADV
fbem-1043	216	2	,	,	PUNCT
fbem-1043	216	3	the	the	DET
fbem-1043	216	4	exploratory	exploratory	ADJ
fbem-1043	216	5	research	research	NOUN
fbem-1043	216	6	design	design	NOUN
fbem-1043	216	7	contributes	contribute	VERB
fbem-1043	216	8	to	to	ADP
fbem-1043	216	9	analyzing	analyze	VERB
fbem-1043	216	10	the	the	DET
fbem-1043	216	11	unknown	unknown	ADJ
fbem-1043	216	12	research	research	NOUN
fbem-1043	216	13	questions	question	NOUN
fbem-1043	216	14	.	.	PUNCT
fbem-1043	217	1	in	in	ADP
fbem-1043	217	2	this	this	DET
fbem-1043	217	3	study	study	NOUN
fbem-1043	217	4	,	,	PUNCT
fbem-1043	217	5	it	it	PRON
fbem-1043	217	6	will	will	AUX
fbem-1043	217	7	apply	apply	VERB
fbem-1043	217	8	the	the	DET
fbem-1043	217	9	explanatory	explanatory	ADJ
fbem-1043	217	10	research	research	NOUN
fbem-1043	217	11	design	design	NOUN
fbem-1043	217	12	since	since	SCONJ
fbem-1043	217	13	it	it	PRON
fbem-1043	217	14	can	can	AUX
fbem-1043	217	15	be	be	AUX
fbem-1043	217	16	used	use	VERB
fbem-1043	217	17	to	to	PART
fbem-1043	217	18	explore	explore	VERB
fbem-1043	217	19	the	the	DET
fbem-1043	217	20	influences	influence	NOUN
fbem-1043	217	21	of	of	ADP
fbem-1043	217	22	specific	specific	ADJ
fbem-1043	217	23	changes	change	NOUN
fbem-1043	217	24	in	in	ADP
fbem-1043	217	25	current	current	ADJ
fbem-1043	217	26	standard	standard	ADJ
fbem-1043	217	27	process	process	NOUN
fbem-1043	217	28	.	.	PUNCT
fbem-1043	218	1	through	through	ADP
fbem-1043	218	2	using	use	VERB
fbem-1043	218	3	the	the	DET
fbem-1043	218	4	explanatory	explanatory	ADJ
fbem-1043	218	5	research	research	NOUN
fbem-1043	218	6	design	design	NOUN
fbem-1043	218	7	,	,	PUNCT
fbem-1043	218	8	the	the	DET
fbem-1043	218	9	researcher	researcher	NOUN
fbem-1043	218	10	can	can	AUX
fbem-1043	218	11	recognize	recognize	VERB
fbem-1043	218	12	the	the	DET
fbem-1043	218	13	factors	factor	NOUN
fbem-1043	218	14	which	which	PRON
fbem-1043	218	15	impact	impact	VERB
fbem-1043	218	16	the	the	DET
fbem-1043	218	17	chinese	chinese	ADJ
fbem-1043	218	18	customers	customer	NOUN
fbem-1043	218	19	’	'	PUNCT
fbem-1043	218	20	desire	desire	NOUN
fbem-1043	218	21	to	to	PART
fbem-1043	218	22	use	use	VERB
fbem-1043	218	23	e	e	NOUN
fbem-1043	218	24	-	-	NOUN
fbem-1043	218	25	payment	payment	NOUN
fbem-1043	218	26	in	in	ADP
fbem-1043	218	27	thailand	thailand	PROPN
fbem-1043	218	28	,	,	PUNCT
fbem-1043	218	29	which	which	PRON
fbem-1043	218	30	has	have	AUX
fbem-1043	218	31	not	not	PART
fbem-1043	218	32	been	be	AUX
fbem-1043	218	33	widely	widely	ADV
fbem-1043	218	34	researched	research	VERB
fbem-1043	218	35	in	in	ADP
fbem-1043	218	36	the	the	DET
fbem-1043	218	37	past	past	ADJ
fbem-1043	218	38	academic	academic	ADJ
fbem-1043	218	39	studies	study	NOUN
fbem-1043	218	40	.	.	PUNCT
fbem-1043	219	1	the	the	DET
fbem-1043	219	2	negative	negative	ADJ
fbem-1043	219	3	influence	influence	NOUN
fbem-1043	219	4	of	of	ADP
fbem-1043	219	5	the	the	DET
fbem-1043	219	6	explanatory	explanatory	ADJ
fbem-1043	219	7	research	research	NOUN
fbem-1043	219	8	design	design	NOUN
fbem-1043	219	9	is	be	AUX
fbem-1043	219	10	that	that	SCONJ
fbem-1043	219	11	it	it	PRON
fbem-1043	219	12	does	do	AUX
fbem-1043	219	13	not	not	PART
fbem-1043	219	14	produce	produce	VERB
fbem-1043	219	15	definitive	definitive	ADJ
fbem-1043	219	16	data	datum	NOUN
fbem-1043	219	17	,	,	PUNCT
fbem-1043	219	18	but	but	CCONJ
fbem-1043	219	19	the	the	DET
fbem-1043	219	20	explanatory	explanatory	ADJ
fbem-1043	219	21	research	research	NOUN
fbem-1043	219	22	design	design	NOUN
fbem-1043	219	23	can	can	AUX
fbem-1043	219	24	permit	permit	VERB
fbem-1043	219	25	the	the	DET
fbem-1043	219	26	researcher	researcher	NOUN
fbem-1043	219	27	to	to	PART
fbem-1043	219	28	fully	fully	ADV
fbem-1043	219	29	explore	explore	VERB
fbem-1043	219	30	the	the	DET
fbem-1043	219	31	factors	factor	NOUN
fbem-1043	219	32	which	which	PRON
fbem-1043	219	33	impact	impact	VERB
fbem-1043	219	34	the	the	DET
fbem-1043	219	35	chinese	chinese	ADJ
fbem-1043	219	36	customers	customer	NOUN
fbem-1043	219	37	’	'	PUNCT
fbem-1043	219	38	desire	desire	NOUN
fbem-1043	219	39	to	to	PART
fbem-1043	219	40	use	use	VERB
fbem-1043	219	41	e	e	NOUN
fbem-1043	219	42	-	-	NOUN
fbem-1043	219	43	payment	payment	NOUN
fbem-1043	219	44	in	in	ADP
fbem-1043	219	45	thailand	thailand	PROPN
fbem-1043	219	46	.	.	PUNCT
fbem-1043	220	1	meanwhile	meanwhile	ADV
fbem-1043	220	2	,	,	PUNCT
fbem-1043	220	3	the	the	DET
fbem-1043	220	4	explanatory	explanatory	ADJ
fbem-1043	220	5	research	research	NOUN
fbem-1043	220	6	design	design	NOUN
fbem-1043	220	7	can	can	AUX
fbem-1043	220	8	also	also	ADV
fbem-1043	220	9	study	study	VERB
fbem-1043	220	10	the	the	DET
fbem-1043	220	11	relationship	relationship	NOUN
fbem-1043	220	12	between	between	ADP
fbem-1043	220	13	the	the	DET
fbem-1043	220	14	dependent	dependent	ADJ
fbem-1043	220	15	variable	variable	NOUN
fbem-1043	220	16	and	and	CCONJ
fbem-1043	220	17	independent	independent	ADJ
fbem-1043	220	18	variables	variable	NOUN
fbem-1043	220	19	.	.	PUNCT
fbem-1043	221	1	3.1.3	3.1.3	NUM
fbem-1043	221	2	.	.	PUNCT
fbem-1043	221	3	data	datum	NOUN
fbem-1043	221	4	collection	collection	NOUN
fbem-1043	221	5	there	there	PRON
fbem-1043	221	6	are	be	VERB
fbem-1043	221	7	two	two	NUM
fbem-1043	221	8	types	type	NOUN
fbem-1043	221	9	of	of	ADP
fbem-1043	221	10	data	datum	NOUN
fbem-1043	221	11	which	which	PRON
fbem-1043	221	12	are	be	AUX
fbem-1043	221	13	primary	primary	ADJ
fbem-1043	221	14	data	datum	NOUN
fbem-1043	221	15	and	and	CCONJ
fbem-1043	221	16	secondary	secondary	ADJ
fbem-1043	221	17	data	datum	NOUN
fbem-1043	221	18	.	.	PUNCT
fbem-1043	222	1	primary	primary	ADJ
fbem-1043	222	2	information	information	NOUN
fbem-1043	222	3	is	be	AUX
fbem-1043	222	4	the	the	DET
fbem-1043	222	5	sort	sort	NOUN
fbem-1043	222	6	of	of	ADP
fbem-1043	222	7	data	datum	NOUN
fbem-1043	222	8	immediately	immediately	ADV
fbem-1043	222	9	obtained	obtain	VERB
fbem-1043	222	10	from	from	ADP
fbem-1043	222	11	the	the	DET
fbem-1043	222	12	data	datum	NOUN
fbem-1043	222	13	source	source	NOUN
fbem-1043	222	14	without	without	ADP
fbem-1043	222	15	the	the	DET
fbem-1043	222	16	use	use	NOUN
fbem-1043	222	17	of	of	ADP
fbem-1043	222	18	existing	exist	VERB
fbem-1043	222	19	records	record	NOUN
fbem-1043	222	20	.	.	PUNCT
fbem-1043	223	1	it	it	PRON
fbem-1043	223	2	is	be	AUX
fbem-1043	223	3	obtained	obtain	VERB
fbem-1043	223	4	specifically	specifically	ADV
fbem-1043	223	5	for	for	ADP
fbem-1043	223	6	a	a	DET
fbem-1043	223	7	research	research	NOUN
fbem-1043	223	8	study	study	NOUN
fbem-1043	223	9	.	.	PUNCT
fbem-1043	224	1	and	and	CCONJ
fbem-1043	224	2	can	can	AUX
fbem-1043	224	3	be	be	AUX
fbem-1043	224	4	freely	freely	ADV
fbem-1043	224	5	used	use	VERB
fbem-1043	224	6	for	for	ADP
fbem-1043	224	7	other	other	ADJ
fbem-1043	224	8	research	research	NOUN
fbem-1043	224	9	purposes	purpose	NOUN
fbem-1043	224	10	.	.	PUNCT
fbem-1043	225	1	secondary	secondary	ADJ
fbem-1043	225	2	data	datum	NOUN
fbem-1043	225	3	is	be	AUX
fbem-1043	225	4	the	the	DET
fbem-1043	225	5	data	datum	NOUN
fbem-1043	225	6	which	which	PRON
fbem-1043	225	7	someone	someone	PRON
fbem-1043	225	8	else	else	ADV
fbem-1043	225	9	has	have	AUX
fbem-1043	225	10	already	already	ADV
fbem-1043	225	11	obtained	obtain	VERB
fbem-1043	225	12	so	so	SCONJ
fbem-1043	225	13	which	which	PRON
fbem-1043	225	14	others	other	NOUN
fbem-1043	225	15	could	could	AUX
fbem-1043	225	16	use	use	VERB
fbem-1043	225	17	(	(	PUNCT
fbem-1043	225	18	formplus	formplus	ADJ
fbem-1043	225	19	,	,	PUNCT
fbem-1043	225	20	2020	2020	NUM
fbem-1043	225	21	)	)	PUNCT
fbem-1043	225	22	.	.	PUNCT
fbem-1043	226	1	primary	primary	ADJ
fbem-1043	226	2	data	datum	NOUN
fbem-1043	226	3	will	will	AUX
fbem-1043	226	4	be	be	AUX
fbem-1043	226	5	collected	collect	VERB
fbem-1043	226	6	using	use	VERB
fbem-1043	226	7	structured	structured	ADJ
fbem-1043	226	8	questionnaires	questionnaire	NOUN
fbem-1043	226	9	for	for	ADP
fbem-1043	226	10	data	datum	NOUN
fbem-1043	226	11	analysis	analysis	NOUN
fbem-1043	226	12	purpose	purpose	NOUN
fbem-1043	226	13	and	and	CCONJ
fbem-1043	226	14	the	the	DET
fbem-1043	226	15	questionnaires	questionnaire	NOUN
fbem-1043	226	16	will	will	AUX
fbem-1043	226	17	cover	cover	VERB
fbem-1043	226	18	e	e	ADJ
fbem-1043	226	19	-	-	ADJ
fbem-1043	226	20	payment	payment	NOUN
fbem-1043	226	21	benefits	benefit	NOUN
fbem-1043	226	22	,	,	PUNCT
fbem-1043	226	23	e	e	NOUN
fbem-1043	226	24	-	-	NOUN
fbem-1043	226	25	payment	payment	NOUN
fbem-1043	226	26	trust	trust	NOUN
fbem-1043	226	27	and	and	CCONJ
fbem-1043	226	28	security	security	NOUN
fbem-1043	226	29	,	,	PUNCT
fbem-1043	226	30	e	e	NOUN
fbem-1043	226	31	-	-	NOUN
fbem-1043	226	32	payment	payment	NOUN
fbem-1043	226	33	user	user	NOUN
fbem-1043	226	34	friendly	friendly	ADJ
fbem-1043	226	35	,	,	PUNCT
fbem-1043	226	36	epayment	epayment	ADJ
fbem-1043	226	37	technology	technology	NOUN
fbem-1043	226	38	,	,	PUNCT
fbem-1043	226	39	e	e	NOUN
fbem-1043	226	40	-	-	NOUN
fbem-1043	226	41	payment	payment	NOUN
fbem-1043	226	42	popularity	popularity	NOUN
fbem-1043	226	43	,	,	PUNCT
fbem-1043	226	44	e	e	NOUN
fbem-1043	226	45	-	-	NOUN
fbem-1043	226	46	payment	payment	NOUN
fbem-1043	226	47	culture	culture	NOUN
fbem-1043	226	48	,	,	PUNCT
fbem-1043	226	49	e	e	NOUN
fbem-1043	226	50	-	-	ADJ
fbem-1043	226	51	payment	payment	NOUN
fbem-1043	226	52	government	government	NOUN
fbem-1043	226	53	policy	policy	NOUN
fbem-1043	226	54	,	,	PUNCT
fbem-1043	226	55	e	e	NOUN
fbem-1043	226	56	-	-	ADJ
fbem-1043	226	57	payment	payment	ADJ
fbem-1043	226	58	social	social	ADJ
fbem-1043	226	59	pressure	pressure	NOUN
fbem-1043	226	60	,	,	PUNCT
fbem-1043	226	61	and	and	CCONJ
fbem-1043	226	62	e	e	NOUN
fbem-1043	226	63	-	-	ADJ
fbem-1043	226	64	payment	payment	ADJ
fbem-1043	226	65	behavior	behavior	NOUN
fbem-1043	226	66	to	to	PART
fbem-1043	226	67	fulfil	fulfil	VERB
fbem-1043	226	68	the	the	DET
fbem-1043	226	69	research	research	NOUN
fbem-1043	226	70	objectives	objective	NOUN
fbem-1043	226	71	and	and	CCONJ
fbem-1043	226	72	answer	answer	VERB
fbem-1043	226	73	the	the	DET
fbem-1043	226	74	research	research	NOUN
fbem-1043	226	75	questions	question	NOUN
fbem-1043	226	76	which	which	PRON
fbem-1043	226	77	was	be	AUX
fbem-1043	226	78	presented	present	VERB
fbem-1043	226	79	in	in	ADP
fbem-1043	226	80	chapter	chapter	NOUN
fbem-1043	226	81	2	2	NUM
fbem-1043	226	82	.	.	X
fbem-1043	227	1	3.1.4	3.1.4	NUM
fbem-1043	227	2	.	.	PUNCT
fbem-1043	228	1	sample	sample	NOUN
fbem-1043	228	2	design	design	NOUN
fbem-1043	228	3	sampling	sampling	NOUN
fbem-1043	228	4	is	be	AUX
fbem-1043	228	5	a	a	DET
fbem-1043	228	6	process	process	NOUN
fbem-1043	228	7	that	that	PRON
fbem-1043	228	8	takes	take	VERB
fbem-1043	228	9	a	a	DET
fbem-1043	228	10	sample	sample	NOUN
fbem-1043	228	11	from	from	ADP
fbem-1043	228	12	a	a	DET
fbem-1043	228	13	big	big	ADJ
fbem-1043	228	14	group	group	NOUN
fbem-1043	228	15	(	(	PUNCT
fbem-1043	228	16	known	know	VERB
fbem-1043	228	17	as	as	ADP
fbem-1043	228	18	the	the	DET
fbem-1043	228	19	population	population	NOUN
fbem-1043	228	20	)	)	PUNCT
fbem-1043	228	21	and	and	CCONJ
fbem-1043	228	22	uses	use	VERB
fbem-1043	228	23	that	that	DET
fbem-1043	228	24	sample	sample	NOUN
fbem-1043	228	25	as	as	ADP
fbem-1043	228	26	the	the	DET
fbem-1043	228	27	basis	basis	NOUN
fbem-1043	228	28	of	of	ADP
fbem-1043	228	29	estimation	estimation	NOUN
fbem-1043	228	30	about	about	ADP
fbem-1043	228	31	an	an	DET
fbem-1043	228	32	unknown	unknown	ADJ
fbem-1043	228	33	situation	situation	NOUN
fbem-1043	228	34	,	,	PUNCT
fbem-1043	228	35	information	information	NOUN
fbem-1043	228	36	,	,	PUNCT
fbem-1043	228	37	or	or	CCONJ
fbem-1043	228	38	results	result	NOUN
fbem-1043	228	39	that	that	PRON
fbem-1043	228	40	concern	concern	VERB
fbem-1043	228	41	the	the	DET
fbem-1043	228	42	group	group	NOUN
fbem-1043	228	43	itself	itself	PRON
fbem-1043	228	44	.	.	PUNCT
fbem-1043	229	1	sample	sample	NOUN
fbem-1043	229	2	means	mean	VERB
fbem-1043	229	3	the	the	DET
fbem-1043	229	4	subgroup	subgroup	NOUN
fbem-1043	229	5	of	of	ADP
fbem-1043	229	6	the	the	DET
fbem-1043	229	7	population	population	NOUN
fbem-1043	229	8	(	(	PUNCT
fbem-1043	229	9	kumar	kumar	PROPN
fbem-1043	229	10	,	,	PUNCT
fbem-1043	229	11	2011	2011	NUM
fbem-1043	229	12	)	)	PUNCT
fbem-1043	229	13	.	.	PUNCT
fbem-1043	230	1	two	two	NUM
fbem-1043	230	2	types	type	NOUN
fbem-1043	230	3	of	of	ADP
fbem-1043	230	4	sampling	sampling	NOUN
fbem-1043	230	5	are	be	AUX
fbem-1043	230	6	probability	probability	NOUN
fbem-1043	230	7	and	and	CCONJ
fbem-1043	230	8	non	non	ADJ
fbem-1043	230	9	-	-	ADJ
fbem-1043	230	10	probability	probability	ADJ
fbem-1043	230	11	sampling	sampling	NOUN
fbem-1043	230	12	.	.	PUNCT
fbem-1043	231	1	in	in	ADP
fbem-1043	231	2	a	a	DET
fbem-1043	231	3	probability	probability	NOUN
fbem-1043	231	4	sampling	sampling	NOUN
fbem-1043	231	5	method	method	NOUN
fbem-1043	231	6	,	,	PUNCT
fbem-1043	231	7	all	all	DET
fbem-1043	231	8	elements	element	NOUN
fbem-1043	231	9	in	in	ADP
fbem-1043	231	10	the	the	DET
fbem-1043	231	11	population	population	NOUN
fbem-1043	231	12	has	have	VERB
fbem-1043	231	13	an	an	DET
fbem-1043	231	14	independent	independent	ADJ
fbem-1043	231	15	and	and	CCONJ
fbem-1043	231	16	equal	equal	ADJ
fbem-1043	231	17	chance	chance	NOUN
fbem-1043	231	18	of	of	ADP
fbem-1043	231	19	being	be	AUX
fbem-1043	231	20	selected	select	VERB
fbem-1043	231	21	(	(	PUNCT
fbem-1043	231	22	kumar	kumar	PROPN
fbem-1043	231	23	,	,	PUNCT
fbem-1043	231	24	2011	2011	NUM
fbem-1043	231	25	)	)	PUNCT
fbem-1043	231	26	.	.	PUNCT
fbem-1043	232	1	in	in	ADP
fbem-1043	232	2	probability	probability	NOUN
fbem-1043	232	3	,	,	PUNCT
fbem-1043	232	4	there	there	PRON
fbem-1043	232	5	are	be	VERB
fbem-1043	232	6	simple	simple	ADJ
fbem-1043	232	7	random	random	ADJ
fbem-1043	232	8	sampling	sampling	NOUN
fbem-1043	232	9	,	,	PUNCT
fbem-1043	232	10	stratified	stratify	VERB
fbem-1043	232	11	sampling	sampling	NOUN
fbem-1043	232	12	and	and	CCONJ
fbem-1043	232	13	cluster	cluster	NOUN
fbem-1043	232	14	sampling	sampling	NOUN
fbem-1043	232	15	.	.	PUNCT
fbem-1043	233	1	nonprobability	nonprobability	NOUN
fbem-1043	233	2	sample	sample	NOUN
fbem-1043	233	3	designs	design	NOUN
fbem-1043	233	4	are	be	AUX
fbem-1043	233	5	used	use	VERB
fbem-1043	233	6	when	when	SCONJ
fbem-1043	233	7	elements	element	NOUN
fbem-1043	233	8	in	in	ADP
fbem-1043	233	9	the	the	DET
fbem-1043	233	10	population	population	NOUN
fbem-1043	233	11	are	be	AUX
fbem-1043	233	12	not	not	PART
fbem-1043	233	13	known	know	VERB
fbem-1043	233	14	or	or	CCONJ
fbem-1043	233	15	are	be	AUX
fbem-1043	233	16	identified	identify	VERB
fbem-1043	233	17	individually	individually	ADV
fbem-1043	233	18	(	(	PUNCT
fbem-1043	233	19	kumar	kumar	PROPN
fbem-1043	233	20	,	,	PUNCT
fbem-1043	233	21	2011	2011	NUM
fbem-1043	233	22	)	)	PUNCT
fbem-1043	233	23	.	.	PUNCT
fbem-1043	234	1	5	5	NUM
fbem-1043	234	2	types	type	NOUN
fbem-1043	234	3	of	of	ADP
fbem-1043	234	4	non	non	ADJ
fbem-1043	234	5	-	-	NOUN
fbem-1043	234	6	probability	probability	ADJ
fbem-1043	234	7	sampling	sampling	NOUN
fbem-1043	234	8	are	be	AUX
fbem-1043	234	9	convenience	convenience	NOUN
fbem-1043	234	10	sampling	sampling	NOUN
fbem-1043	234	11	,	,	PUNCT
fbem-1043	234	12	quota	quota	NOUN
fbem-1043	234	13	sampling	sampling	NOUN
fbem-1043	234	14	,	,	PUNCT
fbem-1043	234	15	consecutive	consecutive	ADJ
fbem-1043	234	16	sampling	sampling	NOUN
fbem-1043	234	17	,	,	PUNCT
fbem-1043	234	18	judgmental	judgmental	ADJ
fbem-1043	234	19	sampling	sampling	NOUN
fbem-1043	234	20	and	and	CCONJ
fbem-1043	234	21	snowball	snowball	NOUN
fbem-1043	234	22	sampling	sampling	NOUN
fbem-1043	234	23	.	.	PUNCT
fbem-1043	235	1	nonprobability	nonprobability	NOUN
fbem-1043	235	2	sampling	sampling	NOUN
fbem-1043	235	3	method	method	NOUN
fbem-1043	235	4	was	be	AUX
fbem-1043	235	5	chosen	choose	VERB
fbem-1043	235	6	as	as	ADP
fbem-1043	235	7	not	not	PART
fbem-1043	235	8	all	all	DET
fbem-1043	235	9	members	member	NOUN
fbem-1043	235	10	in	in	ADP
fbem-1043	235	11	the	the	DET
fbem-1043	235	12	nonprobability	nonprobability	NOUN
fbem-1043	235	13	sampling	sampling	NOUN
fbem-1043	235	14	have	have	VERB
fbem-1043	235	15	chances	chance	NOUN
fbem-1043	235	16	of	of	ADP
fbem-1043	235	17	participating	participate	VERB
fbem-1043	235	18	in	in	ADP
fbem-1043	235	19	the	the	DET
fbem-1043	235	20	study	study	NOUN
fbem-1043	235	21	(	(	PUNCT
fbem-1043	235	22	bhat	bhat	PROPN
fbem-1043	235	23	,	,	PUNCT
fbem-1043	235	24	non	non	ADJ
fbem-1043	235	25	-	-	ADJ
fbem-1043	235	26	probability	probability	ADJ
fbem-1043	235	27	sampling	sampling	NOUN
fbem-1043	235	28	:	:	PUNCT
fbem-1043	235	29	definition	definition	NOUN
fbem-1043	235	30	,	,	PUNCT
fbem-1043	235	31	methods	method	NOUN
fbem-1043	235	32	and	and	CCONJ
fbem-1043	235	33	examples	example	NOUN
fbem-1043	235	34	,	,	PUNCT
fbem-1043	235	35	2018	2018	NUM
fbem-1043	235	36	)	)	PUNCT
fbem-1043	235	37	.	.	PUNCT
fbem-1043	236	1	this	this	DET
fbem-1043	236	2	study	study	NOUN
fbem-1043	236	3	intends	intend	VERB
fbem-1043	236	4	to	to	PART
fbem-1043	236	5	use	use	VERB
fbem-1043	236	6	non	non	ADJ
fbem-1043	236	7	probability	probability	NOUN
fbem-1043	236	8	of	of	ADP
fbem-1043	236	9	convenience	convenience	NOUN
fbem-1043	236	10	sampling	sampling	NOUN
fbem-1043	236	11	method	method	NOUN
fbem-1043	236	12	because	because	SCONJ
fbem-1043	236	13	the	the	DET
fbem-1043	236	14	method	method	NOUN
fbem-1043	236	15	is	be	AUX
fbem-1043	236	16	based	base	VERB
fbem-1043	236	17	on	on	ADP
fbem-1043	236	18	collecting	collect	VERB
fbem-1043	236	19	data	datum	NOUN
fbem-1043	236	20	from	from	ADP
fbem-1043	236	21	people	people	NOUN
fbem-1043	236	22	who	who	PRON
fbem-1043	236	23	are	be	AUX
fbem-1043	236	24	convenient	convenient	ADJ
fbem-1043	236	25	to	to	PART
fbem-1043	236	26	participate	participate	VERB
fbem-1043	236	27	in	in	ADP
fbem-1043	236	28	the	the	DET
fbem-1043	236	29	study	study	NOUN
fbem-1043	236	30	.	.	PUNCT
fbem-1043	237	1	convenience	convenience	NOUN
fbem-1043	237	2	sampling	sample	VERB
fbem-1043	237	3	is	be	AUX
fbem-1043	237	4	a	a	DET
fbem-1043	237	5	way	way	NOUN
fbem-1043	237	6	of	of	ADP
fbem-1043	237	7	getting	get	VERB
fbem-1043	237	8	participants	participant	NOUN
fbem-1043	237	9	anywhere	anywhere	ADP
fbem-1043	237	10	the	the	DET
fbem-1043	237	11	researcher	researcher	NOUN
fbem-1043	237	12	can	can	AUX
fbem-1043	237	13	find	find	VERB
fbem-1043	237	14	and	and	CCONJ
fbem-1043	237	15	usually	usually	ADV
fbem-1043	237	16	anywhere	anywhere	ADV
fbem-1043	237	17	convenient	convenient	ADJ
fbem-1043	237	18	(	(	PUNCT
fbem-1043	237	19	fleetwood	fleetwood	PROPN
fbem-1043	237	20	,	,	PUNCT
fbem-1043	237	21	2018	2018	NUM
fbem-1043	237	22	)	)	PUNCT
fbem-1043	237	23	.	.	PUNCT
fbem-1043	238	1	in	in	ADP
fbem-1043	238	2	this	this	DET
fbem-1043	238	3	study	study	NOUN
fbem-1043	238	4	,	,	PUNCT
fbem-1043	238	5	the	the	DET
fbem-1043	238	6	researcher	researcher	NOUN
fbem-1043	238	7	thinks	think	VERB
fbem-1043	238	8	that	that	SCONJ
fbem-1043	238	9	by	by	ADP
fbem-1043	238	10	using	use	VERB
fbem-1043	238	11	convenience	convenience	NOUN
fbem-1043	238	12	sampling	sampling	NOUN
fbem-1043	238	13	,	,	PUNCT
fbem-1043	238	14	the	the	DET
fbem-1043	238	15	researcher	researcher	NOUN
fbem-1043	238	16	can	can	AUX
fbem-1043	238	17	collect	collect	VERB
fbem-1043	238	18	the	the	DET
fbem-1043	238	19	sample	sample	NOUN
fbem-1043	238	20	who	who	PRON
fbem-1043	238	21	are	be	AUX
fbem-1043	238	22	chinese	chinese	ADJ
fbem-1043	238	23	customers	customer	NOUN
fbem-1043	238	24	using	use	VERB
fbem-1043	238	25	e	e	NOUN
fbem-1043	238	26	-	-	NOUN
fbem-1043	238	27	payment	payment	NOUN
fbem-1043	238	28	in	in	ADP
fbem-1043	238	29	thailand	thailand	PROPN
fbem-1043	238	30	.	.	PUNCT
fbem-1043	239	1	moreover	moreover	ADV
fbem-1043	239	2	,	,	PUNCT
fbem-1043	239	3	the	the	DET
fbem-1043	239	4	questionnaires	questionnaire	NOUN
fbem-1043	239	5	will	will	AUX
fbem-1043	239	6	be	be	AUX
fbem-1043	239	7	collected	collect	VERB
fbem-1043	239	8	using	use	VERB
fbem-1043	239	9	google	google	NOUN
fbem-1043	239	10	form	form	NOUN
fbem-1043	239	11	and	and	CCONJ
fbem-1043	239	12	distributed	distribute	VERB
fbem-1043	239	13	them	they	PRON
fbem-1043	239	14	in	in	ADP
fbem-1043	239	15	chinese	chinese	ADJ
fbem-1043	239	16	customers	customer	NOUN
fbem-1043	239	17	using	use	VERB
fbem-1043	239	18	e	e	NOUN
fbem-1043	239	19	-	-	NOUN
fbem-1043	239	20	payment	payment	NOUN
fbem-1043	239	21	in	in	ADP
fbem-1043	239	22	thailand	thailand	PROPN
fbem-1043	239	23	.	.	PUNCT
fbem-1043	240	1	the	the	DET
fbem-1043	240	2	researcher	researcher	NOUN
fbem-1043	240	3	has	have	AUX
fbem-1043	240	4	chosen	choose	VERB
fbem-1043	240	5	this	this	DET
fbem-1043	240	6	group	group	NOUN
fbem-1043	240	7	because	because	SCONJ
fbem-1043	240	8	it	it	PRON
fbem-1043	240	9	is	be	AUX
fbem-1043	240	10	reliable	reliable	ADJ
fbem-1043	240	11	for	for	ADP
fbem-1043	240	12	sharing	share	VERB
fbem-1043	240	13	information	information	NOUN
fbem-1043	240	14	and	and	CCONJ
fbem-1043	240	15	it	it	PRON
fbem-1043	240	16	is	be	AUX
fbem-1043	240	17	appropriate	appropriate	ADJ
fbem-1043	240	18	for	for	ADP
fbem-1043	240	19	getting	get	VERB
fbem-1043	240	20	the	the	DET
fbem-1043	240	21	survey	survey	NOUN
fbem-1043	240	22	data	datum	NOUN
fbem-1043	240	23	that	that	SCONJ
fbem-1043	240	24	this	this	DET
fbem-1043	240	25	study	study	NOUN
fbem-1043	240	26	desires	desire	NOUN
fbem-1043	240	27	.	.	PUNCT
fbem-1043	241	1	the	the	DET
fbem-1043	241	2	target	target	NOUN
fbem-1043	241	3	population	population	NOUN
fbem-1043	241	4	of	of	ADP
fbem-1043	241	5	this	this	DET
fbem-1043	241	6	study	study	NOUN
fbem-1043	241	7	are	be	AUX
fbem-1043	241	8	chinese	chinese	ADJ
fbem-1043	241	9	customers	customer	NOUN
fbem-1043	241	10	using	use	VERB
fbem-1043	241	11	epayment	epayment	NOUN
fbem-1043	241	12	in	in	ADP
fbem-1043	241	13	thailand	thailand	PROPN
fbem-1043	241	14	.	.	PUNCT
fbem-1043	242	1	while	while	SCONJ
fbem-1043	242	2	distributing	distribute	VERB
fbem-1043	242	3	the	the	DET
fbem-1043	242	4	google	google	NOUN
fbem-1043	242	5	form	form	NOUN
fbem-1043	242	6	questionnaires	questionnaire	NOUN
fbem-1043	242	7	in	in	ADP
fbem-1043	242	8	a	a	DET
fbem-1043	242	9	group	group	NOUN
fbem-1043	242	10	,	,	PUNCT
fbem-1043	242	11	the	the	DET
fbem-1043	242	12	researcher	researcher	NOUN
fbem-1043	242	13	will	will	AUX
fbem-1043	242	14	attach	attach	VERB
fbem-1043	242	15	along	along	ADP
fbem-1043	242	16	with	with	ADP
fbem-1043	242	17	the	the	DET
fbem-1043	242	18	consent	consent	NOUN
fbem-1043	242	19	form	form	NOUN
fbem-1043	242	20	which	which	PRON
fbem-1043	242	21	declare	declare	VERB
fbem-1043	242	22	only	only	ADV
fbem-1043	242	23	chinese	chinese	ADJ
fbem-1043	242	24	customers	customer	NOUN
fbem-1043	242	25	’	'	PUNCT
fbem-1043	242	26	experience	experience	NOUN
fbem-1043	242	27	of	of	ADP
fbem-1043	242	28	using	use	VERB
fbem-1043	242	29	e	e	NOUN
fbem-1043	242	30	-	-	NOUN
fbem-1043	242	31	payment	payment	NOUN
fbem-1043	242	32	can	can	AUX
fbem-1043	242	33	fill	fill	VERB
fbem-1043	242	34	the	the	DET
fbem-1043	242	35	questionnaire	questionnaire	NOUN
fbem-1043	242	36	.	.	PUNCT
fbem-1043	243	1	3.1.5	3.1.5	X
fbem-1043	243	2	.	.	PUNCT
fbem-1043	243	3	research	research	NOUN
fbem-1043	243	4	instruments	instrument	NOUN
fbem-1043	243	5	in	in	ADP
fbem-1043	243	6	questionnaire	questionnaire	NOUN
fbem-1043	244	1	,	,	PUNCT
fbem-1043	244	2	it	it	PRON
fbem-1043	244	3	contains	contain	VERB
fbem-1043	244	4	two	two	NUM
fbem-1043	244	5	parts	part	NOUN
fbem-1043	244	6	which	which	PRON
fbem-1043	244	7	are	be	AUX
fbem-1043	244	8	as	as	ADV
fbem-1043	244	9	follow	follow	NOUN
fbem-1043	244	10	.	.	PUNCT
fbem-1043	245	1	part	part	NOUN
fbem-1043	245	2	1	1	NUM
fbem-1043	245	3	:	:	PUNCT
fbem-1043	245	4	demographic	demographic	ADJ
fbem-1043	245	5	profile	profile	NOUN
fbem-1043	245	6	which	which	PRON
fbem-1043	245	7	will	will	AUX
fbem-1043	245	8	collect	collect	VERB
fbem-1043	245	9	the	the	DET
fbem-1043	245	10	data	datum	NOUN
fbem-1043	245	11	of	of	ADP
fbem-1043	245	12	respondents	respondent	NOUN
fbem-1043	245	13	’	'	PUNCT
fbem-1043	245	14	gender	gender	NOUN
fbem-1043	245	15	,	,	PUNCT
fbem-1043	245	16	age	age	NOUN
fbem-1043	245	17	,	,	PUNCT
fbem-1043	245	18	status	status	NOUN
fbem-1043	245	19	,	,	PUNCT
fbem-1043	245	20	level	level	NOUN
fbem-1043	245	21	of	of	ADP
fbem-1043	245	22	education	education	NOUN
fbem-1043	245	23	,	,	PUNCT
fbem-1043	245	24	monthly	monthly	ADJ
fbem-1043	245	25	income	income	NOUN
fbem-1043	245	26	,	,	PUNCT
fbem-1043	245	27	and	and	CCONJ
fbem-1043	245	28	professional	professional	ADJ
fbem-1043	245	29	status	status	NOUN
fbem-1043	245	30	,	,	PUNCT
fbem-1043	245	31	thus	thus	ADV
fbem-1043	245	32	including	include	VERB
fbem-1043	245	33	6	6	NUM
fbem-1043	245	34	questions	question	NOUN
fbem-1043	245	35	.	.	PUNCT
fbem-1043	246	1	part	part	NOUN
fbem-1043	246	2	2	2	NUM
fbem-1043	246	3	:	:	PUNCT
fbem-1043	246	4	this	this	DET
fbem-1043	246	5	part	part	NOUN
fbem-1043	246	6	includes	include	VERB
fbem-1043	246	7	factors	factor	NOUN
fbem-1043	246	8	influencing	influence	VERB
fbem-1043	246	9	chinese	chinese	ADJ
fbem-1043	246	10	consumers	consumer	NOUN
fbem-1043	246	11	’	'	PUNCT
fbem-1043	246	12	desire	desire	NOUN
fbem-1043	246	13	to	to	PART
fbem-1043	246	14	use	use	VERB
fbem-1043	246	15	e	e	NOUN
fbem-1043	246	16	-	-	NOUN
fbem-1043	246	17	payment	payment	NOUN
fbem-1043	246	18	in	in	ADP
fbem-1043	246	19	thailand	thailand	PROPN
fbem-1043	246	20	,	,	PUNCT
fbem-1043	246	21	which	which	PRON
fbem-1043	246	22	are	be	AUX
fbem-1043	246	23	epayment	epayment	ADJ
fbem-1043	246	24	benefits	benefit	NOUN
fbem-1043	246	25	,	,	PUNCT
fbem-1043	246	26	e	e	NOUN
fbem-1043	246	27	-	-	NOUN
fbem-1043	246	28	payment	payment	NOUN
fbem-1043	246	29	trust	trust	NOUN
fbem-1043	246	30	and	and	CCONJ
fbem-1043	246	31	security	security	NOUN
fbem-1043	246	32	,	,	PUNCT
fbem-1043	246	33	e	e	NOUN
fbem-1043	246	34	-	-	NOUN
fbem-1043	246	35	payment	payment	NOUN
fbem-1043	246	36	user	user	NOUN
fbem-1043	246	37	friendly	friendly	ADJ
fbem-1043	246	38	,	,	PUNCT
fbem-1043	246	39	e	e	NOUN
fbem-1043	246	40	-	-	NOUN
fbem-1043	246	41	payment	payment	NOUN
fbem-1043	246	42	technology	technology	NOUN
fbem-1043	246	43	,	,	PUNCT
fbem-1043	246	44	e	e	NOUN
fbem-1043	246	45	-	-	NOUN
fbem-1043	246	46	payment	payment	NOUN
fbem-1043	246	47	popularity	popularity	NOUN
fbem-1043	246	48	,	,	PUNCT
fbem-1043	246	49	epayment	epayment	ADJ
fbem-1043	246	50	culture	culture	NOUN
fbem-1043	246	51	,	,	PUNCT
fbem-1043	246	52	e	e	NOUN
fbem-1043	246	53	-	-	ADJ
fbem-1043	246	54	payment	payment	NOUN
fbem-1043	246	55	government	government	NOUN
fbem-1043	246	56	policy	policy	NOUN
fbem-1043	246	57	,	,	PUNCT
fbem-1043	246	58	e	e	NOUN
fbem-1043	246	59	-	-	ADJ
fbem-1043	246	60	payment	payment	ADJ
fbem-1043	246	61	social	social	ADJ
fbem-1043	246	62	pressure	pressure	NOUN
fbem-1043	246	63	,	,	PUNCT
fbem-1043	246	64	and	and	CCONJ
fbem-1043	246	65	e	e	NOUN
fbem-1043	246	66	-	-	NOUN
fbem-1043	246	67	payment	payment	NOUN
fbem-1043	246	68	behavior	behavior	NOUN
fbem-1043	246	69	.	.	PUNCT
fbem-1043	247	1	more	more	ADV
fbem-1043	247	2	specifically	specifically	ADV
fbem-1043	247	3	,	,	PUNCT
fbem-1043	247	4	there	there	PRON
fbem-1043	247	5	are	be	VERB
fbem-1043	247	6	3	3	NUM
fbem-1043	247	7	questions	question	NOUN
fbem-1043	247	8	for	for	ADP
fbem-1043	247	9	e	e	NOUN
fbem-1043	247	10	-	-	NOUN
fbem-1043	247	11	payment	payment	NOUN
fbem-1043	247	12	benefits	benefit	NOUN
fbem-1043	247	13	;	;	PUNCT
fbem-1043	247	14	there	there	PRON
fbem-1043	247	15	are	be	VERB
fbem-1043	247	16	3	3	NUM
fbem-1043	247	17	questions	question	NOUN
fbem-1043	247	18	for	for	ADP
fbem-1043	247	19	e	e	NOUN
fbem-1043	247	20	-	-	NOUN
fbem-1043	247	21	payment	payment	ADJ
fbem-1043	247	22	trust	trust	NOUN
fbem-1043	247	23	and	and	CCONJ
fbem-1043	247	24	security	security	NOUN
fbem-1043	247	25	;	;	PUNCT
fbem-1043	247	26	there	there	PRON
fbem-1043	247	27	are	be	VERB
fbem-1043	247	28	3	3	NUM
fbem-1043	247	29	questions	question	NOUN
fbem-1043	247	30	for	for	ADP
fbem-1043	247	31	e	e	NOUN
fbem-1043	247	32	-	-	NOUN
fbem-1043	247	33	payment	payment	NOUN
fbem-1043	247	34	user	user	NOUN
fbem-1043	247	35	friendly	friendly	ADJ
fbem-1043	247	36	;	;	PUNCT
fbem-1043	247	37	there	there	PRON
fbem-1043	247	38	are	be	VERB
fbem-1043	247	39	3	3	NUM
fbem-1043	247	40	questions	question	NOUN
fbem-1043	247	41	for	for	ADP
fbem-1043	247	42	e	e	NOUN
fbem-1043	247	43	-	-	NOUN
fbem-1043	247	44	payment	payment	NOUN
fbem-1043	247	45	technology	technology	NOUN
fbem-1043	247	46	;	;	PUNCT
fbem-1043	247	47	there	there	PRON
fbem-1043	247	48	are	be	VERB
fbem-1043	247	49	3	3	NUM
fbem-1043	247	50	questions	question	NOUN
fbem-1043	247	51	for	for	ADP
fbem-1043	247	52	epayment	epayment	ADJ
fbem-1043	247	53	popularity	popularity	NOUN
fbem-1043	247	54	;	;	PUNCT
fbem-1043	247	55	there	there	PRON
fbem-1043	247	56	are	be	VERB
fbem-1043	247	57	3	3	NUM
fbem-1043	247	58	questions	question	NOUN
fbem-1043	247	59	for	for	ADP
fbem-1043	247	60	e	e	NOUN
fbem-1043	247	61	-	-	NOUN
fbem-1043	247	62	payment	payment	NOUN
fbem-1043	247	63	culture	culture	NOUN
fbem-1043	247	64	;	;	PUNCT
fbem-1043	247	65	there	there	PRON
fbem-1043	247	66	are	be	VERB
fbem-1043	247	67	3	3	NUM
fbem-1043	247	68	questions	question	NOUN
fbem-1043	247	69	for	for	ADP
fbem-1043	247	70	e	e	NOUN
fbem-1043	247	71	-	-	NOUN
fbem-1043	247	72	payment	payment	ADJ
fbem-1043	247	73	government	government	NOUN
fbem-1043	247	74	policy	policy	NOUN
fbem-1043	247	75	;	;	PUNCT
fbem-1043	247	76	there	there	PRON
fbem-1043	247	77	are	be	VERB
fbem-1043	247	78	3	3	NUM
fbem-1043	247	79	questions	question	NOUN
fbem-1043	247	80	for	for	ADP
fbem-1043	247	81	e	e	NOUN
fbem-1043	247	82	-	-	NOUN
fbem-1043	247	83	payment	payment	ADJ
fbem-1043	247	84	social	social	ADJ
fbem-1043	247	85	pressure	pressure	NOUN
fbem-1043	247	86	;	;	PUNCT
fbem-1043	247	87	and	and	CCONJ
fbem-1043	247	88	there	there	PRON
fbem-1043	247	89	are	be	VERB
fbem-1043	247	90	3	3	NUM
fbem-1043	247	91	questions	question	NOUN
fbem-1043	247	92	for	for	ADP
fbem-1043	247	93	e	e	NOUN
fbem-1043	247	94	-	-	NOUN
fbem-1043	247	95	payment	payment	NOUN
fbem-1043	247	96	behavior	behavior	NOUN
fbem-1043	247	97	.	.	PUNCT
fbem-1043	248	1	3.2	3.2	NUM
fbem-1043	248	2	.	.	PUNCT
fbem-1043	249	1	data	datum	NOUN
fbem-1043	249	2	analysis	analysis	NOUN
fbem-1043	249	3	3.2.1	3.2.1	NUM
fbem-1043	249	4	.	.	PUNCT
fbem-1043	250	1	regression	regression	VERB
fbem-1043	250	2	analysis	analysis	NOUN
fbem-1043	250	3	the	the	DET
fbem-1043	250	4	data	datum	NOUN
fbem-1043	250	5	that	that	PRON
fbem-1043	250	6	are	be	AUX
fbem-1043	250	7	collected	collect	VERB
fbem-1043	250	8	will	will	AUX
fbem-1043	250	9	be	be	AUX
fbem-1043	250	10	generated	generate	VERB
fbem-1043	250	11	by	by	ADP
fbem-1043	250	12	entering	enter	VERB
fbem-1043	250	13	the	the	DET
fbem-1043	250	14	data	datum	NOUN
fbem-1043	250	15	into	into	ADP
fbem-1043	250	16	computer	computer	NOUN
fbem-1043	250	17	and	and	CCONJ
fbem-1043	250	18	analyze	analyze	VERB
fbem-1043	250	19	with	with	ADP
fbem-1043	250	20	statistical	statistical	ADJ
fbem-1043	250	21	tools	tool	NOUN
fbem-1043	250	22	to	to	PART
fbem-1043	250	23	get	get	VERB
fbem-1043	250	24	the	the	DET
fbem-1043	250	25	accurate	accurate	ADJ
fbem-1043	250	26	data	datum	NOUN
fbem-1043	250	27	and	and	CCONJ
fbem-1043	250	28	findings	finding	NOUN
fbem-1043	250	29	.	.	PUNCT
fbem-1043	251	1	this	this	DET
fbem-1043	251	2	study	study	NOUN
fbem-1043	251	3	’s	’s	PART
fbem-1043	251	4	questionnaires	questionnaire	NOUN
fbem-1043	251	5	will	will	AUX
fbem-1043	251	6	use	use	VERB
fbem-1043	251	7	cronbach	cronbach	NOUN
fbem-1043	251	8	’s	’s	PART
fbem-1043	251	9	alpha	alpha	ADJ
fbem-1043	251	10	coefficient	coefficient	NOUN
fbem-1043	251	11	to	to	PART
fbem-1043	251	12	measure	measure	VERB
fbem-1043	251	13	the	the	DET
fbem-1043	251	14	reliability	reliability	NOUN
fbem-1043	251	15	of	of	ADP
fbem-1043	251	16	the	the	DET
fbem-1043	251	17	questions	question	NOUN
fbem-1043	251	18	.	.	PUNCT
fbem-1043	252	1	the	the	DET
fbem-1043	252	2	questionnaires	questionnaire	NOUN
fbem-1043	252	3	will	will	AUX
fbem-1043	252	4	be	be	AUX
fbem-1043	252	5	spread	spread	VERB
fbem-1043	252	6	through	through	ADP
fbem-1043	252	7	online	online	NOUN
fbem-1043	252	8	,	,	PUNCT
fbem-1043	252	9	posting	post	VERB
fbem-1043	252	10	in	in	ADP
fbem-1043	252	11	the	the	DET
fbem-1043	252	12	google	google	PROPN
fbem-1043	252	13	form	form	NOUN
fbem-1043	252	14	.	.	PUNCT
fbem-1043	253	1	the	the	DET
fbem-1043	253	2	researcher	researcher	NOUN
fbem-1043	253	3	will	will	AUX
fbem-1043	253	4	use	use	VERB
fbem-1043	253	5	descriptive	descriptive	ADJ
fbem-1043	253	6	analysis	analysis	NOUN
fbem-1043	253	7	to	to	PART
fbem-1043	253	8	analyze	analyze	VERB
fbem-1043	253	9	the	the	DET
fbem-1043	253	10	demographic	demographic	ADJ
fbem-1043	253	11	part	part	NOUN
fbem-1043	253	12	and	and	CCONJ
fbem-1043	253	13	tourists	tourist	NOUN
fbem-1043	253	14	’	'	PUNCT
fbem-1043	253	15	behavior	behavior	NOUN
fbem-1043	253	16	part	part	NOUN
fbem-1043	253	17	.	.	PUNCT
fbem-1043	254	1	this	this	DET
fbem-1043	254	2	part	part	NOUN
fbem-1043	254	3	will	will	AUX
fbem-1043	254	4	also	also	ADV
fbem-1043	254	5	show	show	VERB
fbem-1043	254	6	the	the	DET
fbem-1043	254	7	bar	bar	NOUN
fbem-1043	254	8	-	-	PUNCT
fbem-1043	254	9	charts	chart	NOUN
fbem-1043	254	10	and	and	CCONJ
fbem-1043	254	11	pie	pie	NOUN
fbem-1043	254	12	-	-	PUNCT
fbem-1043	254	13	charts	chart	NOUN
fbem-1043	254	14	which	which	PRON
fbem-1043	254	15	shows	show	VERB
fbem-1043	254	16	the	the	DET
fbem-1043	254	17	percentage	percentage	NOUN
fbem-1043	254	18	.	.	PUNCT
fbem-1043	255	1	mean	mean	VERB
fbem-1043	255	2	scores	score	NOUN
fbem-1043	255	3	and	and	CCONJ
fbem-1043	255	4	standard	standard	ADJ
fbem-1043	255	5	deviation	deviation	NOUN
fbem-1043	255	6	will	will	AUX
fbem-1043	255	7	be	be	AUX
fbem-1043	255	8	used	use	VERB
fbem-1043	255	9	to	to	PART
fbem-1043	255	10	analyze	analyze	VERB
fbem-1043	255	11	5	5	NUM
fbem-1043	255	12	-	-	PUNCT
fbem-1043	255	13	point	point	NOUN
fbem-1043	255	14	scale	scale	NOUN
fbem-1043	255	15	questions	question	NOUN
fbem-1043	255	16	.	.	PUNCT
fbem-1043	256	1	moreover	moreover	ADV
fbem-1043	256	2	,	,	PUNCT
fbem-1043	256	3	data	datum	NOUN
fbem-1043	256	4	from	from	ADP
fbem-1043	256	5	a	a	DET
fbem-1043	256	6	survey	survey	NOUN
fbem-1043	256	7	would	would	AUX
fbem-1043	256	8	be	be	AUX
fbem-1043	256	9	evaluated	evaluate	VERB
fbem-1043	256	10	by	by	ADP
fbem-1043	256	11	inferential	inferential	ADJ
fbem-1043	256	12	statistics	statistic	NOUN
fbem-1043	256	13	in	in	ADP
fbem-1043	256	14	this	this	DET
fbem-1043	256	15	analysis	analysis	NOUN
fbem-1043	256	16	to	to	PART
fbem-1043	256	17	draw	draw	VERB
fbem-1043	256	18	results	result	NOUN
fbem-1043	256	19	in	in	ADP
fbem-1043	256	20	population	population	NOUN
fbem-1043	256	21	collection	collection	NOUN
fbem-1043	256	22	and	and	CCONJ
fbem-1043	256	23	to	to	PART
fbem-1043	256	24	test	test	VERB
fbem-1043	256	25	the	the	DET
fbem-1043	256	26	hypotheses	hypothesis	NOUN
fbem-1043	256	27	and	and	CCONJ
fbem-1043	256	28	to	to	PART
fbem-1043	256	29	answer	answer	VERB
fbem-1043	256	30	the	the	DET
fbem-1043	256	31	result	result	NOUN
fbem-1043	256	32	.	.	PUNCT
fbem-1043	257	1	thus	thus	ADV
fbem-1043	257	2	,	,	PUNCT
fbem-1043	257	3	in	in	ADP
fbem-1043	257	4	order	order	NOUN
fbem-1043	257	5	to	to	PART
fbem-1043	257	6	test	test	VERB
fbem-1043	257	7	the	the	DET
fbem-1043	257	8	relationship	relationship	NOUN
fbem-1043	257	9	between	between	ADP
fbem-1043	257	10	variables	variable	NOUN
fbem-1043	257	11	,	,	PUNCT
fbem-1043	257	12	it	it	PRON
fbem-1043	257	13	will	will	AUX
fbem-1043	257	14	use	use	VERB
fbem-1043	257	15	pearson	pearson	PROPN
fbem-1043	257	16	’s	’s	PART
fbem-1043	257	17	correlation	correlation	NOUN
fbem-1043	257	18	and	and	CCONJ
fbem-1043	257	19	regression	regression	NOUN
fbem-1043	257	20	analysis	analysis	NOUN
fbem-1043	257	21	.	.	PUNCT
fbem-1043	258	1	correlation	correlation	NOUN
fbem-1043	258	2	is	be	AUX
fbem-1043	258	3	a	a	DET
fbem-1043	258	4	method	method	NOUN
fbem-1043	258	5	used	use	VERB
fbem-1043	258	6	to	to	PART
fbem-1043	258	7	analyze	analyze	VERB
fbem-1043	258	8	the	the	DET
fbem-1043	258	9	relation	relation	NOUN
fbem-1043	258	10	between	between	ADP
fbem-1043	258	11	two	two	NUM
fbem-1043	258	12	continuous	continuous	ADJ
fbem-1043	258	13	quantitative	quantitative	ADJ
fbem-1043	258	14	variables	variable	NOUN
fbem-1043	258	15	.	.	PUNCT
fbem-1043	259	1	the	the	DET
fbem-1043	259	2	coefficient	coefficient	NOUN
fbem-1043	259	3	of	of	ADP
fbem-1043	259	4	correlation	correlation	NOUN
fbem-1043	259	5	of	of	ADP
fbem-1043	259	6	pearson	pearson	NOUN
fbem-1043	259	7	(	(	PUNCT
fbem-1043	259	8	r	r	NOUN
fbem-1043	259	9	)	)	PUNCT
fbem-1043	259	10	is	be	AUX
fbem-1043	259	11	a	a	DET
fbem-1043	259	12	measure	measure	NOUN
fbem-1043	259	13	of	of	ADP
fbem-1043	259	14	the	the	DET
fbem-1043	259	15	strength	strength	NOUN
fbem-1043	259	16	of	of	ADP
fbem-1043	259	17	the	the	DET
fbem-1043	259	18	connection	connection	NOUN
fbem-1043	259	19	between	between	ADP
fbem-1043	259	20	the	the	DET
fbem-1043	259	21	two	two	NUM
fbem-1043	259	22	variables	variable	NOUN
fbem-1043	259	23	.	.	PUNCT
fbem-1043	260	1	the	the	DET
fbem-1043	260	2	coefficient	coefficient	NOUN
fbem-1043	260	3	can	can	AUX
fbem-1043	260	4	be	be	AUX
fbem-1043	260	5	from	from	ADP
fbem-1043	260	6	+1	+1	PROPN
fbem-1043	260	7	to	to	ADP
fbem-1043	260	8	-1	-1	VERB
fbem-1043	260	9	,	,	PUNCT
fbem-1043	260	10	in	in	ADP
fbem-1043	260	11	which	which	PRON
fbem-1043	260	12	+1	+1	PRON
fbem-1043	260	13	refers	refer	VERB
fbem-1043	260	14	to	to	ADP
fbem-1043	260	15	a	a	DET
fbem-1043	260	16	7	7	NUM
fbem-1043	260	17	positive	positive	ADJ
fbem-1043	260	18	relationship	relationship	NOUN
fbem-1043	260	19	,	,	PUNCT
fbem-1043	260	20	-1	-1	PUNCT
fbem-1043	260	21	indicates	indicate	VERB
fbem-1043	260	22	a	a	DET
fbem-1043	260	23	negative	negative	ADJ
fbem-1043	260	24	relationship	relationship	NOUN
fbem-1043	260	25	and	and	CCONJ
fbem-1043	260	26	0	0	NUM
fbem-1043	260	27	shows	show	VERB
fbem-1043	260	28	there	there	PRON
fbem-1043	260	29	is	be	VERB
fbem-1043	260	30	no	no	DET
fbem-1043	260	31	relationship	relationship	NOUN
fbem-1043	260	32	at	at	ADV
fbem-1043	260	33	all	all	ADV
fbem-1043	260	34	(	(	PUNCT
fbem-1043	260	35	statistics	statistic	NOUN
fbem-1043	260	36	solutions	solution	NOUN
fbem-1043	260	37	,	,	PUNCT
fbem-1043	260	38	2018	2018	NUM
fbem-1043	260	39	)	)	PUNCT
fbem-1043	260	40	.	.	PUNCT
fbem-1043	261	1	the	the	DET
fbem-1043	261	2	regression	regression	NOUN
fbem-1043	261	3	analysis	analysis	NOUN
fbem-1043	261	4	is	be	AUX
fbem-1043	261	5	a	a	DET
fbem-1043	261	6	set	set	NOUN
fbem-1043	261	7	of	of	ADP
fbem-1043	261	8	statistic	statistic	ADJ
fbem-1043	261	9	techniques	technique	NOUN
fbem-1043	261	10	used	use	VERB
fbem-1043	261	11	to	to	PART
fbem-1043	261	12	analyze	analyze	VERB
fbem-1043	261	13	the	the	DET
fbem-1043	261	14	relationships	relationship	NOUN
fbem-1043	261	15	between	between	ADP
fbem-1043	261	16	the	the	DET
fbem-1043	261	17	dependent	dependent	ADJ
fbem-1043	261	18	variable	variable	NOUN
fbem-1043	261	19	and	and	CCONJ
fbem-1043	261	20	one	one	NUM
fbem-1043	261	21	or	or	CCONJ
fbem-1043	261	22	more	more	ADV
fbem-1043	261	23	independent	independent	ADJ
fbem-1043	261	24	variables	variable	NOUN
fbem-1043	261	25	.	.	PUNCT
fbem-1043	262	1	this	this	PRON
fbem-1043	262	2	can	can	AUX
fbem-1043	262	3	be	be	AUX
fbem-1043	262	4	used	use	VERB
fbem-1043	262	5	for	for	ADP
fbem-1043	262	6	assessing	assess	VERB
fbem-1043	262	7	the	the	DET
fbem-1043	262	8	strength	strength	NOUN
fbem-1043	262	9	and	and	CCONJ
fbem-1043	262	10	modeling	modeling	NOUN
fbem-1043	262	11	of	of	ADP
fbem-1043	262	12	future	future	ADJ
fbem-1043	262	13	relationships	relationship	NOUN
fbem-1043	262	14	between	between	ADP
fbem-1043	262	15	variables	variable	NOUN
fbem-1043	262	16	(	(	PUNCT
fbem-1043	262	17	cfi	cfi	PROPN
fbem-1043	262	18	,	,	PUNCT
fbem-1043	262	19	2018	2018	NUM
fbem-1043	262	20	)	)	PUNCT
fbem-1043	262	21	.	.	PUNCT
fbem-1043	263	1	this	this	DET
fbem-1043	263	2	research	research	NOUN
fbem-1043	263	3	would	would	AUX
fbem-1043	263	4	also	also	ADV
fbem-1043	263	5	analyze	analyze	VERB
fbem-1043	263	6	the	the	DET
fbem-1043	263	7	relationship	relationship	NOUN
fbem-1043	263	8	between	between	ADP
fbem-1043	263	9	variables	variable	NOUN
fbem-1043	263	10	with	with	ADP
fbem-1043	263	11	a	a	DET
fbem-1043	263	12	maximum	maximum	ADJ
fbem-1043	263	13	acceptable	acceptable	ADJ
fbem-1043	263	14	p	p	NOUN
fbem-1043	263	15	-	-	PUNCT
fbem-1043	263	16	value	value	NOUN
fbem-1043	263	17	of	of	ADP
fbem-1043	263	18	5	5	NUM
fbem-1043	263	19	%	%	NOUN
fbem-1043	263	20	.	.	PUNCT
fbem-1043	264	1	3.2.2	3.2.2	X
fbem-1043	264	2	.	.	PUNCT
fbem-1043	264	3	data	datum	NOUN
fbem-1043	264	4	validity	validity	NOUN
fbem-1043	264	5	and	and	CCONJ
fbem-1043	264	6	reliability	reliability	NOUN
fbem-1043	264	7	analysis	analysis	NOUN
fbem-1043	264	8	the	the	DET
fbem-1043	264	9	most	most	ADV
fbem-1043	264	10	basic	basic	ADJ
fbem-1043	264	11	things	thing	NOUN
fbem-1043	264	12	to	to	PART
fbem-1043	264	13	keep	keep	VERB
fbem-1043	264	14	in	in	ADP
fbem-1043	264	15	mind	mind	NOUN
fbem-1043	264	16	when	when	SCONJ
fbem-1043	264	17	doing	do	VERB
fbem-1043	264	18	a	a	DET
fbem-1043	264	19	research	research	NOUN
fbem-1043	264	20	are	be	AUX
fbem-1043	264	21	reliability	reliability	NOUN
fbem-1043	264	22	and	and	CCONJ
fbem-1043	264	23	validity	validity	NOUN
fbem-1043	264	24	.	.	PUNCT
fbem-1043	265	1	what	what	PRON
fbem-1043	265	2	the	the	DET
fbem-1043	265	3	instrument	instrument	NOUN
fbem-1043	265	4	measures	measure	NOUN
fbem-1043	265	5	and	and	CCONJ
fbem-1043	265	6	how	how	SCONJ
fbem-1043	265	7	well	well	ADV
fbem-1043	265	8	it	it	PRON
fbem-1043	265	9	does	do	VERB
fbem-1043	265	10	that	that	PRON
fbem-1043	265	11	is	be	AUX
fbem-1043	265	12	known	know	VERB
fbem-1043	265	13	as	as	ADP
fbem-1043	265	14	validity	validity	NOUN
fbem-1043	265	15	while	while	SCONJ
fbem-1043	265	16	the	the	DET
fbem-1043	265	17	trust	trust	NOUN
fbem-1043	265	18	that	that	SCONJ
fbem-1043	265	19	the	the	DET
fbem-1043	265	20	researcher	researcher	NOUN
fbem-1043	265	21	can	can	AUX
fbem-1043	265	22	have	have	VERB
fbem-1043	265	23	on	on	ADP
fbem-1043	265	24	the	the	DET
fbem-1043	265	25	data	data	NOUN
fbem-1043	265	26	is	be	AUX
fbem-1043	265	27	known	know	VERB
fbem-1043	265	28	as	as	ADP
fbem-1043	265	29	reliability	reliability	NOUN
fbem-1043	265	30	.	.	PUNCT
fbem-1043	266	1	it	it	PRON
fbem-1043	266	2	is	be	AUX
fbem-1043	266	3	all	all	ADV
fbem-1043	266	4	about	about	ADP
fbem-1043	266	5	the	the	DET
fbem-1043	266	6	degree	degree	NOUN
fbem-1043	266	7	of	of	ADP
fbem-1043	266	8	control	control	NOUN
fbem-1043	266	9	over	over	ADP
fbem-1043	266	10	the	the	DET
fbem-1043	266	11	random	random	ADJ
fbem-1043	266	12	errors	error	NOUN
fbem-1043	266	13	that	that	PRON
fbem-1043	266	14	the	the	DET
fbem-1043	266	15	measuring	measure	VERB
fbem-1043	266	16	tool	tool	NOUN
fbem-1043	266	17	possesses	possesse	NOUN
fbem-1043	266	18	(	(	PUNCT
fbem-1043	266	19	kimberlin	kimberlin	PROPN
fbem-1043	266	20	&	&	CCONJ
fbem-1043	266	21	winterstein	winterstein	ADJ
fbem-1043	266	22	,	,	PUNCT
fbem-1043	266	23	2008	2008	NUM
fbem-1043	266	24	)	)	PUNCT
fbem-1043	266	25	.	.	PUNCT
fbem-1043	267	1	the	the	DET
fbem-1043	267	2	correlation	correlation	NOUN
fbem-1043	267	3	coefficient	coefficient	NOUN
fbem-1043	267	4	,	,	PUNCT
fbem-1043	267	5	ranging	range	VERB
fbem-1043	267	6	from	from	ADP
fbem-1043	267	7	-1	-1	PART
fbem-1043	267	8	to	to	ADP
fbem-1043	267	9	+1	+1	PROPN
fbem-1043	267	10	,	,	PUNCT
fbem-1043	267	11	is	be	AUX
fbem-1043	267	12	used	use	VERB
fbem-1043	267	13	to	to	PART
fbem-1043	267	14	quantify	quantify	VERB
fbem-1043	267	15	the	the	DET
fbem-1043	267	16	relationship	relationship	NOUN
fbem-1043	267	17	between	between	ADP
fbem-1043	267	18	a	a	DET
fbem-1043	267	19	test	test	NOUN
fbem-1043	267	20	performance	performance	NOUN
fbem-1043	267	21	and	and	CCONJ
fbem-1043	267	22	a	a	DET
fbem-1043	267	23	business	business	NOUN
fbem-1043	267	24	metric	metric	NOUN
fbem-1043	267	25	.	.	PUNCT
fbem-1043	268	1	the	the	DET
fbem-1043	268	2	overall	overall	ADJ
fbem-1043	268	3	strength	strength	NOUN
fbem-1043	268	4	of	of	ADP
fbem-1043	268	5	the	the	DET
fbem-1043	268	6	relationship	relationship	NOUN
fbem-1043	268	7	is	be	AUX
fbem-1043	268	8	known	know	VERB
fbem-1043	268	9	by	by	ADP
fbem-1043	268	10	assessing	assess	VERB
fbem-1043	268	11	the	the	DET
fbem-1043	268	12	number	number	NOUN
fbem-1043	268	13	between	between	ADP
fbem-1043	268	14	the	the	DET
fbem-1043	268	15	1	1	NUM
fbem-1043	268	16	and	and	CCONJ
fbem-1043	268	17	the	the	DET
fbem-1043	268	18	+1	+1	PROPN
fbem-1043	268	19	.	.	PUNCT
fbem-1043	269	1	the	the	PRON
fbem-1043	269	2	better	well	ADJ
fbem-1043	269	3	the	the	DET
fbem-1043	269	4	relationship	relationship	NOUN
fbem-1043	269	5	is	be	AUX
fbem-1043	269	6	,	,	PUNCT
fbem-1043	269	7	the	the	PRON
fbem-1043	269	8	better	well	ADJ
fbem-1043	269	9	the	the	DET
fbem-1043	269	10	test	test	NOUN
fbem-1043	269	11	(	(	PUNCT
fbem-1043	269	12	price	price	NOUN
fbem-1043	269	13	,	,	PUNCT
fbem-1043	269	14	2018	2018	NUM
fbem-1043	269	15	)	)	PUNCT
fbem-1043	269	16	.	.	PUNCT
fbem-1043	270	1	hence	hence	ADV
fbem-1043	270	2	,	,	PUNCT
fbem-1043	270	3	this	this	DET
fbem-1043	270	4	study	study	NOUN
fbem-1043	270	5	will	will	AUX
fbem-1043	270	6	employ	employ	VERB
fbem-1043	270	7	the	the	DET
fbem-1043	270	8	use	use	NOUN
fbem-1043	270	9	of	of	ADP
fbem-1043	270	10	correlation	correlation	NOUN
fbem-1043	270	11	analysis	analysis	NOUN
fbem-1043	270	12	to	to	PART
fbem-1043	270	13	measure	measure	VERB
fbem-1043	270	14	the	the	DET
fbem-1043	270	15	validity	validity	NOUN
fbem-1043	270	16	of	of	ADP
fbem-1043	270	17	data	data	PROPN
fbem-1043	270	18	.	.	PUNCT
fbem-1043	271	1	pearson	pearson	PROPN
fbem-1043	271	2	’s	’s	PART
fbem-1043	271	3	correlation	correlation	NOUN
fbem-1043	271	4	analysis	analysis	NOUN
fbem-1043	271	5	is	be	AUX
fbem-1043	271	6	used	use	VERB
fbem-1043	271	7	to	to	PART
fbem-1043	271	8	measure	measure	VERB
fbem-1043	271	9	the	the	DET
fbem-1043	271	10	strength	strength	NOUN
fbem-1043	271	11	of	of	ADP
fbem-1043	271	12	the	the	DET
fbem-1043	271	13	association	association	NOUN
fbem-1043	271	14	between	between	ADP
fbem-1043	271	15	dependent	dependent	ADJ
fbem-1043	271	16	and	and	CCONJ
fbem-1043	271	17	independent	independent	ADJ
fbem-1043	271	18	variables	variable	NOUN
fbem-1043	271	19	and	and	CCONJ
fbem-1043	271	20	this	this	DET
fbem-1043	271	21	study	study	NOUN
fbem-1043	271	22	use	use	VERB
fbem-1043	271	23	pearson	pearson	PROPN
fbem-1043	271	24	’s	’s	PART
fbem-1043	271	25	correlation	correlation	NOUN
fbem-1043	271	26	analysis	analysis	NOUN
fbem-1043	271	27	to	to	PART
fbem-1043	271	28	test	test	VERB
fbem-1043	271	29	the	the	DET
fbem-1043	271	30	relationship	relationship	NOUN
fbem-1043	271	31	strength	strength	NOUN
fbem-1043	271	32	between	between	ADP
fbem-1043	271	33	5as	5as	NOUN
fbem-1043	271	34	and	and	CCONJ
fbem-1043	271	35	tourists	tourist	NOUN
fbem-1043	271	36	’	'	PUNCT
fbem-1043	271	37	satisfaction	satisfaction	NOUN
fbem-1043	271	38	.	.	PUNCT
fbem-1043	272	1	a	a	DET
fbem-1043	272	2	reliability	reliability	NOUN
fbem-1043	272	3	test	test	NOUN
fbem-1043	272	4	that	that	PRON
fbem-1043	272	5	uses	uses	AUX
fbem-1043	272	6	cronbach	cronbach	PROPN
fbem-1043	272	7	’s	’s	PART
fbem-1043	272	8	alpha	alpha	ADJ
fbem-1043	272	9	coefficient	coefficient	NOUN
fbem-1043	272	10	will	will	AUX
fbem-1043	272	11	also	also	ADV
fbem-1043	272	12	be	be	AUX
fbem-1043	272	13	employed	employ	VERB
fbem-1043	272	14	for	for	ADP
fbem-1043	272	15	the	the	DET
fbem-1043	272	16	whole	whole	ADJ
fbem-1043	272	17	sample	sample	NOUN
fbem-1043	272	18	.	.	PUNCT
fbem-1043	273	1	the	the	DET
fbem-1043	273	2	test	test	NOUN
fbem-1043	273	3	’s	’s	PART
fbem-1043	273	4	reliability	reliability	NOUN
fbem-1043	273	5	is	be	AUX
fbem-1043	273	6	shown	show	VERB
fbem-1043	273	7	by	by	ADP
fbem-1043	273	8	this	this	DET
fbem-1043	273	9	coefficient	coefficient	NOUN
fbem-1043	273	10	.	.	PUNCT
fbem-1043	274	1	it	it	PRON
fbem-1043	274	2	is	be	AUX
fbem-1043	274	3	shown	show	VERB
fbem-1043	274	4	using	use	VERB
fbem-1043	274	5	the	the	DET
fbem-1043	274	6	letter	letter	NOUN
fbem-1043	274	7	“	"	PUNCT
fbem-1043	274	8	r	r	NOUN
fbem-1043	274	9	,	,	PUNCT
fbem-1043	274	10	”	"	PUNCT
fbem-1043	274	11	and	and	CCONJ
fbem-1043	274	12	is	be	AUX
fbem-1043	274	13	shown	show	VERB
fbem-1043	274	14	in	in	ADP
fbem-1043	274	15	a	a	DET
fbem-1043	274	16	number	number	NOUN
fbem-1043	274	17	that	that	PRON
fbem-1043	274	18	ranges	range	VERB
fbem-1043	274	19	from	from	ADP
fbem-1043	274	20	0	0	NUM
fbem-1043	274	21	to	to	ADP
fbem-1043	274	22	1.00	1.00	NUM
fbem-1043	274	23	.	.	PUNCT
fbem-1043	275	1	while	while	SCONJ
fbem-1043	275	2	r=0	r=0	PROPN
fbem-1043	275	3	means	mean	VERB
fbem-1043	275	4	there	there	PRON
fbem-1043	275	5	is	be	VERB
fbem-1043	275	6	no	no	DET
fbem-1043	275	7	reliability	reliability	NOUN
fbem-1043	275	8	,	,	PUNCT
fbem-1043	275	9	and	and	CCONJ
fbem-1043	275	10	r=1.00	r=1.00	NOUN
fbem-1043	275	11	means	mean	VERB
fbem-1043	275	12	perfect	perfect	ADJ
fbem-1043	275	13	reliability	reliability	NOUN
fbem-1043	275	14	.	.	PUNCT
fbem-1043	276	1	when	when	SCONJ
fbem-1043	276	2	the	the	DET
fbem-1043	276	3	value	value	NOUN
fbem-1043	276	4	of	of	ADP
fbem-1043	276	5	r	r	NOUN
fbem-1043	276	6	is	be	AUX
fbem-1043	276	7	greater	great	ADJ
fbem-1043	276	8	than	than	ADP
fbem-1043	276	9	0.6	0.6	NUM
fbem-1043	276	10	,	,	PUNCT
fbem-1043	276	11	it	it	PRON
fbem-1043	276	12	is	be	AUX
fbem-1043	276	13	said	say	VERB
fbem-1043	276	14	to	to	PART
fbem-1043	276	15	be	be	AUX
fbem-1043	276	16	questionable	questionable	ADJ
fbem-1043	276	17	(	(	PUNCT
fbem-1043	276	18	price	price	NOUN
fbem-1043	276	19	,	,	PUNCT
fbem-1043	276	20	2018	2018	NUM
fbem-1043	276	21	)	)	PUNCT
fbem-1043	276	22	.	.	PUNCT
fbem-1043	277	1	thus	thus	ADV
fbem-1043	277	2	,	,	PUNCT
fbem-1043	277	3	the	the	DET
fbem-1043	277	4	researcher	researcher	NOUN
fbem-1043	277	5	has	have	AUX
fbem-1043	277	6	conducted	conduct	VERB
fbem-1043	277	7	a	a	DET
fbem-1043	277	8	pilot	pilot	NOUN
fbem-1043	277	9	study	study	NOUN
fbem-1043	277	10	for	for	ADP
fbem-1043	277	11	the	the	DET
fbem-1043	277	12	reliability	reliability	NOUN
fbem-1043	277	13	of	of	ADP
fbem-1043	277	14	this	this	DET
fbem-1043	277	15	study	study	NOUN
fbem-1043	277	16	by	by	ADP
fbem-1043	277	17	using	use	VERB
fbem-1043	277	18	40	40	NUM
fbem-1043	277	19	qualified	qualified	ADJ
fbem-1043	277	20	people	people	NOUN
fbem-1043	277	21	who	who	PRON
fbem-1043	277	22	were	be	AUX
fbem-1043	277	23	not	not	PART
fbem-1043	277	24	in	in	ADP
fbem-1043	277	25	the	the	DET
fbem-1043	277	26	group	group	NOUN
fbem-1043	277	27	of	of	ADP
fbem-1043	277	28	the	the	DET
fbem-1043	277	29	sample	sample	NOUN
fbem-1043	277	30	.	.	PUNCT
fbem-1043	278	1	the	the	DET
fbem-1043	278	2	reliability	reliability	NOUN
fbem-1043	278	3	score	score	NOUN
fbem-1043	278	4	of	of	ADP
fbem-1043	278	5	this	this	DET
fbem-1043	278	6	study	study	NOUN
fbem-1043	278	7	is	be	AUX
fbem-1043	278	8	as	as	SCONJ
fbem-1043	278	9	follows	follow	VERB
fbem-1043	278	10	.	.	PUNCT
fbem-1043	279	1	table	table	NOUN
fbem-1043	279	2	1	1	NUM
fbem-1043	279	3	.	.	PUNCT
fbem-1043	280	1	reliability	reliability	NOUN
fbem-1043	280	2	score	score	NOUN
fbem-1043	280	3	of	of	ADP
fbem-1043	280	4	polit	polit	ADJ
fbem-1043	280	5	test	test	NOUN
fbem-1043	280	6	.	.	PUNCT
fbem-1043	281	1	variable	variable	ADJ
fbem-1043	281	2	score	score	NOUN
fbem-1043	281	3	of	of	ADP
fbem-1043	281	4	reliability	reliability	NOUN
fbem-1043	281	5	chinese	chinese	ADJ
fbem-1043	281	6	consumers	consumer	NOUN
fbem-1043	281	7	’	'	PUNCT
fbem-1043	281	8	desire	desire	NOUN
fbem-1043	281	9	to	to	PART
fbem-1043	281	10	use	use	VERB
fbem-1043	281	11	e	e	NOUN
fbem-1043	281	12	-	-	NOUN
fbem-1043	281	13	payment	payment	NOUN
fbem-1043	281	14	in	in	ADP
fbem-1043	281	15	thailand	thailand	PROPN
fbem-1043	281	16	0.78	0.78	NUM
fbem-1043	281	17	e	e	NOUN
fbem-1043	281	18	-	-	NOUN
fbem-1043	281	19	payment	payment	NOUN
fbem-1043	281	20	benefits	benefit	NOUN
fbem-1043	281	21	0.81	0.81	NUM
fbem-1043	281	22	e	e	NOUN
fbem-1043	281	23	-	-	NOUN
fbem-1043	281	24	payment	payment	NOUN
fbem-1043	281	25	trust	trust	NOUN
fbem-1043	281	26	and	and	CCONJ
fbem-1043	281	27	security	security	NOUN
fbem-1043	281	28	0.73	0.73	NUM
fbem-1043	281	29	e	e	NOUN
fbem-1043	281	30	-	-	NOUN
fbem-1043	281	31	payment	payment	NOUN
fbem-1043	281	32	user	user	NOUN
fbem-1043	281	33	friendly	friendly	ADJ
fbem-1043	281	34	0.76	0.76	NUM
fbem-1043	281	35	e	e	NOUN
fbem-1043	281	36	-	-	ADJ
fbem-1043	281	37	payment	payment	NOUN
fbem-1043	281	38	technology	technology	NOUN
fbem-1043	281	39	0.72	0.72	NUM
fbem-1043	281	40	e	e	NOUN
fbem-1043	281	41	-	-	NOUN
fbem-1043	281	42	payment	payment	NOUN
fbem-1043	281	43	popularity	popularity	NOUN
fbem-1043	281	44	0.79	0.79	NUM
fbem-1043	281	45	e	e	NOUN
fbem-1043	281	46	-	-	ADJ
fbem-1043	281	47	payment	payment	ADJ
fbem-1043	281	48	culture	culture	NOUN
fbem-1043	281	49	0.82	0.82	NUM
fbem-1043	281	50	e	e	NOUN
fbem-1043	281	51	-	-	ADJ
fbem-1043	281	52	payment	payment	ADJ
fbem-1043	281	53	government	government	NOUN
fbem-1043	281	54	policy	policy	NOUN
fbem-1043	281	55	0.84	0.84	NUM
fbem-1043	281	56	e	e	NOUN
fbem-1043	281	57	-	-	ADJ
fbem-1043	281	58	payment	payment	ADJ
fbem-1043	281	59	social	social	ADJ
fbem-1043	281	60	pressure	pressure	NOUN
fbem-1043	281	61	0.75	0.75	NUM
fbem-1043	281	62	e	e	NOUN
fbem-1043	281	63	-	-	ADJ
fbem-1043	281	64	payment	payment	ADJ
fbem-1043	281	65	behavior	behavior	NOUN
fbem-1043	281	66	0.77	0.77	NUM
fbem-1043	281	67	3.2.3	3.2.3	NUM
fbem-1043	281	68	.	.	PUNCT
fbem-1043	282	1	demographic	demographic	ADJ
fbem-1043	282	2	analysis	analysis	NOUN
fbem-1043	282	3	there	there	PRON
fbem-1043	282	4	were	be	VERB
fbem-1043	282	5	485	485	NUM
fbem-1043	282	6	online	online	ADJ
fbem-1043	282	7	questionnaires	questionnaire	NOUN
fbem-1043	282	8	being	be	AUX
fbem-1043	282	9	collected	collect	VERB
fbem-1043	282	10	,	,	PUNCT
fbem-1043	282	11	which	which	PRON
fbem-1043	282	12	implicated	implicate	VERB
fbem-1043	282	13	that	that	SCONJ
fbem-1043	282	14	485	485	NUM
fbem-1043	282	15	respondents	respondent	NOUN
fbem-1043	282	16	engaged	engage	VERB
fbem-1043	282	17	in	in	ADP
fbem-1043	282	18	the	the	DET
fbem-1043	282	19	online	online	ADJ
fbem-1043	282	20	survey	survey	NOUN
fbem-1043	282	21	.	.	PUNCT
fbem-1043	283	1	their	their	PRON
fbem-1043	283	2	demographic	demographic	ADJ
fbem-1043	283	3	profiles	profile	NOUN
fbem-1043	283	4	including	include	VERB
fbem-1043	283	5	gender	gender	NOUN
fbem-1043	283	6	,	,	PUNCT
fbem-1043	283	7	age	age	NOUN
fbem-1043	283	8	,	,	PUNCT
fbem-1043	283	9	status	status	NOUN
fbem-1043	283	10	,	,	PUNCT
fbem-1043	283	11	level	level	NOUN
fbem-1043	283	12	of	of	ADP
fbem-1043	283	13	education	education	NOUN
fbem-1043	283	14	,	,	PUNCT
fbem-1043	283	15	monthly	monthly	ADJ
fbem-1043	283	16	income	income	NOUN
fbem-1043	283	17	and	and	CCONJ
fbem-1043	283	18	professional	professional	ADJ
fbem-1043	283	19	status	status	NOUN
fbem-1043	283	20	.	.	PUNCT
fbem-1043	284	1	the	the	DET
fbem-1043	284	2	results	result	NOUN
fbem-1043	284	3	of	of	ADP
fbem-1043	284	4	respondents	respondent	NOUN
fbem-1043	284	5	’	'	PUNCT
fbem-1043	284	6	demographic	demographic	ADJ
fbem-1043	284	7	profiles	profile	NOUN
fbem-1043	284	8	are	be	AUX
fbem-1043	284	9	exhibited	exhibit	VERB
fbem-1043	284	10	in	in	ADP
fbem-1043	284	11	table	table	NOUN
fbem-1043	284	12	2	2	NUM
fbem-1043	284	13	.	.	PUNCT
fbem-1043	285	1	according	accord	VERB
fbem-1043	285	2	to	to	ADP
fbem-1043	285	3	results	result	NOUN
fbem-1043	285	4	exhibited	exhibit	VERB
fbem-1043	285	5	in	in	ADP
fbem-1043	285	6	table	table	NOUN
fbem-1043	285	7	1	1	NUM
fbem-1043	285	8	,	,	PUNCT
fbem-1043	285	9	in	in	ADP
fbem-1043	285	10	terms	term	NOUN
fbem-1043	285	11	of	of	ADP
fbem-1043	285	12	gender	gender	NOUN
fbem-1043	285	13	,	,	PUNCT
fbem-1043	285	14	there	there	PRON
fbem-1043	285	15	are	be	VERB
fbem-1043	285	16	285	285	NUM
fbem-1043	285	17	males	male	NOUN
fbem-1043	285	18	accounting	account	VERB
fbem-1043	285	19	for	for	ADP
fbem-1043	285	20	58.76	58.76	NUM
fbem-1043	285	21	%	%	NOUN
fbem-1043	285	22	,	,	PUNCT
fbem-1043	285	23	and	and	CCONJ
fbem-1043	285	24	there	there	PRON
fbem-1043	285	25	are	be	VERB
fbem-1043	285	26	200	200	NUM
fbem-1043	285	27	females	female	NOUN
fbem-1043	285	28	occupying	occupy	VERB
fbem-1043	285	29	41.24	41.24	NUM
fbem-1043	285	30	%	%	NOUN
fbem-1043	285	31	.	.	PUNCT
fbem-1043	286	1	concerning	concern	VERB
fbem-1043	286	2	age	age	NOUN
fbem-1043	286	3	,	,	PUNCT
fbem-1043	286	4	there	there	PRON
fbem-1043	286	5	are	be	VERB
fbem-1043	286	6	80	80	NUM
fbem-1043	286	7	respondents	respondent	NOUN
fbem-1043	286	8	between	between	ADP
fbem-1043	286	9	18and	18and	NOUN
fbem-1043	286	10	23	23	NUM
fbem-1043	286	11	-	-	PUNCT
fbem-1043	286	12	years	year	NOUN
fbem-1043	286	13	accounting	account	VERB
fbem-1043	286	14	for	for	ADP
fbem-1043	286	15	16.49	16.49	NUM
fbem-1043	286	16	%	%	NOUN
fbem-1043	286	17	;	;	PUNCT
fbem-1043	286	18	there	there	PRON
fbem-1043	286	19	are	be	VERB
fbem-1043	286	20	170	170	NUM
fbem-1043	286	21	respondents	respondent	NOUN
fbem-1043	286	22	between	between	ADP
fbem-1043	286	23	24and	24and	NOUN
fbem-1043	286	24	29	29	NUM
fbem-1043	286	25	-	-	PUNCT
fbem-1043	286	26	years	year	NOUN
fbem-1043	286	27	accounting	account	VERB
fbem-1043	286	28	for	for	ADP
fbem-1043	286	29	35.05	35.05	NUM
fbem-1043	286	30	%	%	NOUN
fbem-1043	286	31	;	;	PUNCT
fbem-1043	286	32	there	there	PRON
fbem-1043	286	33	are	be	VERB
fbem-1043	286	34	100	100	NUM
fbem-1043	286	35	respondents	respondent	NOUN
fbem-1043	286	36	between	between	ADP
fbem-1043	286	37	30and	30and	NOUN
fbem-1043	286	38	39	39	NUM
fbem-1043	286	39	-	-	PUNCT
fbem-1043	286	40	years	year	NOUN
fbem-1043	286	41	accounting	account	VERB
fbem-1043	286	42	for	for	ADP
fbem-1043	286	43	20.62	20.62	NUM
fbem-1043	286	44	%	%	NOUN
fbem-1043	286	45	;	;	PUNCT
fbem-1043	286	46	there	there	PRON
fbem-1043	286	47	are	be	VERB
fbem-1043	286	48	90	90	NUM
fbem-1043	286	49	respondents	respondent	NOUN
fbem-1043	286	50	between	between	ADP
fbem-1043	286	51	40and	40and	NOUN
fbem-1043	286	52	49	49	NUM
fbem-1043	286	53	-	-	PUNCT
fbem-1043	286	54	years	year	NOUN
fbem-1043	286	55	accounting	account	VERB
fbem-1043	286	56	for	for	ADP
fbem-1043	286	57	18.57	18.57	NUM
fbem-1043	286	58	%	%	NOUN
fbem-1043	286	59	;	;	PUNCT
fbem-1043	286	60	there	there	PRON
fbem-1043	286	61	are	be	VERB
fbem-1043	286	62	45	45	NUM
fbem-1043	286	63	respondents	respondent	NOUN
fbem-1043	286	64	equal	equal	ADJ
fbem-1043	286	65	and	and	CCONJ
fbem-1043	286	66	more	more	ADJ
fbem-1043	286	67	than	than	ADP
fbem-1043	286	68	50	50	NUM
fbem-1043	286	69	years	year	NOUN
fbem-1043	286	70	accounting	account	VERB
fbem-1043	286	71	for	for	ADP
fbem-1043	286	72	9.27	9.27	NUM
fbem-1043	286	73	%	%	NOUN
fbem-1043	286	74	.	.	PUNCT
fbem-1043	287	1	in	in	ADP
fbem-1043	287	2	terms	term	NOUN
fbem-1043	287	3	of	of	ADP
fbem-1043	287	4	status	status	NOUN
fbem-1043	287	5	,	,	PUNCT
fbem-1043	287	6	there	there	PRON
fbem-1043	287	7	are	be	VERB
fbem-1043	287	8	200	200	NUM
fbem-1043	287	9	respondents	respondent	NOUN
fbem-1043	287	10	being	be	AUX
fbem-1043	287	11	single	single	ADJ
fbem-1043	287	12	accounting	accounting	NOUN
fbem-1043	287	13	for	for	ADP
fbem-1043	287	14	41.24	41.24	NUM
fbem-1043	287	15	%	%	NOUN
fbem-1043	287	16	;	;	PUNCT
fbem-1043	287	17	there	there	PRON
fbem-1043	287	18	are	be	VERB
fbem-1043	287	19	185	185	NUM
fbem-1043	287	20	respondents	respondent	NOUN
fbem-1043	287	21	being	be	AUX
fbem-1043	287	22	married	married	ADJ
fbem-1043	287	23	accounting	account	VERB
fbem-1043	287	24	for	for	ADP
fbem-1043	287	25	38.14	38.14	NUM
fbem-1043	287	26	%	%	NOUN
fbem-1043	287	27	;	;	PUNCT
fbem-1043	287	28	there	there	PRON
fbem-1043	287	29	are	be	VERB
fbem-1043	287	30	100	100	NUM
fbem-1043	287	31	respondents	respondent	NOUN
fbem-1043	287	32	being	be	AUX
fbem-1043	287	33	single	single	ADJ
fbem-1043	287	34	separated	separate	VERB
fbem-1043	287	35	,	,	PUNCT
fbem-1043	287	36	widowed	widow	VERB
fbem-1043	287	37	and	and	CCONJ
fbem-1043	287	38	divorced	divorce	VERB
fbem-1043	287	39	accounting	account	VERB
fbem-1043	287	40	for	for	ADP
fbem-1043	287	41	20.62	20.62	NUM
fbem-1043	287	42	%	%	NOUN
fbem-1043	287	43	.	.	PUNCT
fbem-1043	288	1	regarding	regard	VERB
fbem-1043	288	2	level	level	NOUN
fbem-1043	288	3	of	of	ADP
fbem-1043	288	4	education	education	NOUN
fbem-1043	288	5	,	,	PUNCT
fbem-1043	288	6	there	there	PRON
fbem-1043	288	7	are	be	VERB
fbem-1043	288	8	65	65	NUM
fbem-1043	288	9	respondents	respondent	NOUN
fbem-1043	288	10	under	under	ADP
fbem-1043	288	11	bachelor	bachelor	NOUN
fbem-1043	288	12	’s	’s	NOUN
fbem-1043	288	13	degree	degree	NOUN
fbem-1043	288	14	accounting	accounting	NOUN
fbem-1043	288	15	for	for	ADP
fbem-1043	288	16	13.41	13.41	NUM
fbem-1043	288	17	%	%	NOUN
fbem-1043	288	18	;	;	PUNCT
fbem-1043	288	19	there	there	PRON
fbem-1043	288	20	are	be	VERB
fbem-1043	288	21	130	130	NUM
fbem-1043	288	22	respondents	respondent	NOUN
fbem-1043	288	23	acquiring	acquire	VERB
fbem-1043	288	24	bachelor	bachelor	NOUN
fbem-1043	288	25	’s	’s	PART
fbem-1043	288	26	degree	degree	NOUN
fbem-1043	288	27	accounting	accounting	NOUN
fbem-1043	288	28	for	for	ADP
fbem-1043	288	29	26.80	26.80	NUM
fbem-1043	288	30	%	%	NOUN
fbem-1043	288	31	;	;	PUNCT
fbem-1043	288	32	there	there	PRON
fbem-1043	288	33	are	be	VERB
fbem-1043	288	34	120	120	NUM
fbem-1043	288	35	respondents	respondent	NOUN
fbem-1043	288	36	acquiring	acquire	VERB
fbem-1043	288	37	master	master	NOUN
fbem-1043	288	38	’s	’s	PART
fbem-1043	288	39	degree	degree	NOUN
fbem-1043	288	40	accounting	accounting	NOUN
fbem-1043	288	41	for	for	ADP
fbem-1043	288	42	24.74	24.74	NUM
fbem-1043	288	43	%	%	NOUN
fbem-1043	288	44	;	;	PUNCT
fbem-1043	288	45	there	there	PRON
fbem-1043	288	46	are	be	VERB
fbem-1043	288	47	90	90	NUM
fbem-1043	288	48	respondents	respondent	NOUN
fbem-1043	288	49	acquiring	acquire	VERB
fbem-1043	288	50	doctorate	doctorate	NOUN
fbem-1043	288	51	degree	degree	NOUN
fbem-1043	288	52	accounting	accounting	NOUN
fbem-1043	288	53	for	for	ADP
fbem-1043	288	54	18.56	18.56	NUM
fbem-1043	288	55	%	%	NOUN
fbem-1043	288	56	;	;	PUNCT
fbem-1043	288	57	there	there	PRON
fbem-1043	288	58	are	be	VERB
fbem-1043	288	59	80	80	NUM
fbem-1043	288	60	respondents	respondent	NOUN
fbem-1043	288	61	selecting	select	VERB
fbem-1043	288	62	others	other	NOUN
fbem-1043	288	63	as	as	SCONJ
fbem-1043	288	64	their	their	PRON
fbem-1043	288	65	education	education	NOUN
fbem-1043	288	66	level	level	NOUN
fbem-1043	288	67	accounting	account	VERB
fbem-1043	288	68	for	for	ADP
fbem-1043	288	69	16.49	16.49	NUM
fbem-1043	288	70	%	%	NOUN
fbem-1043	288	71	.	.	PUNCT
fbem-1043	289	1	3.3	3.3	NUM
fbem-1043	289	2	.	.	PUNCT
fbem-1043	289	3	results	result	NOUN
fbem-1043	289	4	of	of	ADP
fbem-1043	289	5	sem	sem	NOUN
fbem-1043	289	6	a	a	DET
fbem-1043	289	7	structure	structure	NOUN
fbem-1043	289	8	equation	equation	NOUN
fbem-1043	289	9	model	model	NOUN
fbem-1043	289	10	(	(	PUNCT
fbem-1043	289	11	sem	sem	NOUN
fbem-1043	289	12	)	)	PUNCT
fbem-1043	289	13	was	be	AUX
fbem-1043	289	14	utilized	utilize	VERB
fbem-1043	289	15	to	to	PART
fbem-1043	289	16	test	test	VERB
fbem-1043	289	17	the	the	DET
fbem-1043	289	18	proposed	propose	VERB
fbem-1043	289	19	hypotheses	hypothesis	NOUN
fbem-1043	289	20	.	.	PUNCT
fbem-1043	290	1	sem	sem	PROPN
fbem-1043	290	2	is	be	AUX
fbem-1043	290	3	a	a	DET
fbem-1043	290	4	covariance	covariance	NOUN
fbem-1043	290	5	technique	technique	NOUN
fbem-1043	290	6	that	that	PRON
fbem-1043	290	7	evaluates	evaluate	VERB
fbem-1043	290	8	the	the	DET
fbem-1043	290	9	structured	structured	ADJ
fbem-1043	290	10	relationships	relationship	NOUN
fbem-1043	290	11	between	between	ADP
fbem-1043	290	12	the	the	DET
fbem-1043	290	13	observed	observed	ADJ
fbem-1043	290	14	and	and	CCONJ
fbem-1043	290	15	latent	latent	NOUN
fbem-1043	290	16	variables	variable	NOUN
fbem-1043	290	17	in	in	ADP
fbem-1043	290	18	the	the	DET
fbem-1043	290	19	model	model	NOUN
fbem-1043	290	20	and	and	CCONJ
fbem-1043	290	21	controls	control	VERB
fbem-1043	290	22	the	the	DET
fbem-1043	290	23	measurement	measurement	NOUN
fbem-1043	290	24	error	error	NOUN
fbem-1043	290	25	while	while	SCONJ
fbem-1043	290	26	evaluating	evaluate	VERB
fbem-1043	290	27	the	the	DET
fbem-1043	290	28	relationship	relationship	NOUN
fbem-1043	290	29	.	.	PUNCT
fbem-1043	291	1	we	we	PRON
fbem-1043	291	2	implemented	implement	VERB
fbem-1043	291	3	the	the	DET
fbem-1043	291	4	two	two	NUM
fbem-1043	291	5	-	-	PUNCT
fbem-1043	291	6	step	step	NOUN
fbem-1043	291	7	approach	approach	NOUN
fbem-1043	291	8	of	of	ADP
fbem-1043	291	9	anderson	anderson	PROPN
fbem-1043	291	10	and	and	CCONJ
fbem-1043	291	11	gerbing	gerbe	VERB
fbem-1043	291	12	for	for	ADP
fbem-1043	291	13	model	model	NOUN
fbem-1043	291	14	analysis	analysis	NOUN
fbem-1043	291	15	.	.	PUNCT
fbem-1043	292	1	first	first	ADV
fbem-1043	292	2	,	,	PUNCT
fbem-1043	292	3	we	we	PRON
fbem-1043	292	4	reviewed	review	VERB
fbem-1043	292	5	the	the	DET
fbem-1043	292	6	measurement	measurement	NOUN
fbem-1043	292	7	model	model	NOUN
fbem-1043	292	8	by	by	ADP
fbem-1043	292	9	executing	execute	VERB
fbem-1043	292	10	a	a	DET
fbem-1043	292	11	confirmatory	confirmatory	NOUN
fbem-1043	292	12	factor	factor	NOUN
fbem-1043	292	13	analysis	analysis	NOUN
fbem-1043	292	14	and	and	CCONJ
fbem-1043	292	15	analyzing	analyze	VERB
fbem-1043	292	16	the	the	DET
fbem-1043	292	17	validity	validity	NOUN
fbem-1043	292	18	and	and	CCONJ
fbem-1043	292	19	reliability	reliability	NOUN
fbem-1043	292	20	of	of	ADP
fbem-1043	292	21	this	this	DET
fbem-1043	292	22	study	study	NOUN
fbem-1043	292	23	.	.	PUNCT
fbem-1043	293	1	we	we	PRON
fbem-1043	293	2	also	also	ADV
fbem-1043	293	3	scrutinized	scrutinize	VERB
fbem-1043	293	4	the	the	DET
fbem-1043	293	5	adequacy	adequacy	NOUN
fbem-1043	293	6	of	of	ADP
fbem-1043	293	7	the	the	DET
fbem-1043	293	8	model	model	NOUN
fbem-1043	293	9	for	for	SCONJ
fbem-1043	293	10	the	the	DET
fbem-1043	293	11	data	datum	NOUN
fbem-1043	293	12	observed	observe	VERB
fbem-1043	293	13	.	.	PUNCT
fbem-1043	294	1	secondly	secondly	ADV
fbem-1043	294	2	,	,	PUNCT
fbem-1043	294	3	we	we	PRON
fbem-1043	294	4	evaluated	evaluate	VERB
fbem-1043	294	5	the	the	DET
fbem-1043	294	6	conceptual	conceptual	ADJ
fbem-1043	294	7	framework	framework	NOUN
fbem-1043	294	8	by	by	ADP
fbem-1043	294	9	evaluating	evaluate	VERB
fbem-1043	294	10	the	the	DET
fbem-1043	294	11	standardized	standardized	ADJ
fbem-1043	294	12	coefficients	coefficient	NOUN
fbem-1043	294	13	of	of	ADP
fbem-1043	294	14	the	the	DET
fbem-1043	294	15	structural	structural	ADJ
fbem-1043	294	16	relationship	relationship	NOUN
fbem-1043	294	17	and	and	CCONJ
fbem-1043	294	18	their	their	PRON
fbem-1043	294	19	significance	significance	NOUN
fbem-1043	294	20	and	and	CCONJ
fbem-1043	294	21	,	,	PUNCT
fbem-1043	294	22	then	then	ADV
fbem-1043	294	23	,	,	PUNCT
fbem-1043	294	24	validated	validate	VERB
fbem-1043	294	25	the	the	DET
fbem-1043	294	26	findings	finding	NOUN
fbem-1043	294	27	and	and	CCONJ
fbem-1043	294	28	test	test	NOUN
fbem-1043	294	29	hypotheses	hypothesis	NOUN
fbem-1043	294	30	,	,	PUNCT
fbem-1043	294	31	accordingly	accordingly	ADV
fbem-1043	294	32	.	.	PUNCT
fbem-1043	295	1	8	8	NUM
fbem-1043	295	2	table	table	NOUN
fbem-1043	295	3	2	2	NUM
fbem-1043	295	4	.	.	PUNCT
fbem-1043	295	5	demographic	demographic	ADJ
fbem-1043	295	6	information	information	NOUN
fbem-1043	295	7	analysis	analysis	NOUN
fbem-1043	295	8	.	.	PUNCT
fbem-1043	296	1	item	item	NOUN
fbem-1043	296	2	frequency	frequency	NOUN
fbem-1043	296	3	percentage	percentage	NOUN
fbem-1043	296	4	gender	gender	NOUN
fbem-1043	296	5	male	male	NOUN
fbem-1043	296	6	285	285	NUM
fbem-1043	296	7	58.76	58.76	NUM
fbem-1043	296	8	%	%	NOUN
fbem-1043	296	9	female	female	NOUN
fbem-1043	296	10	200	200	NUM
fbem-1043	296	11	41.24	41.24	NUM
fbem-1043	296	12	%	%	NOUN
fbem-1043	296	13	age	age	NOUN
fbem-1043	296	14	18	18	NUM
fbem-1043	296	15	to	to	PART
fbem-1043	296	16	23	23	NUM
fbem-1043	296	17	years	year	NOUN
fbem-1043	296	18	80	80	NUM
fbem-1043	296	19	16.49	16.49	NUM
fbem-1043	296	20	%	%	NOUN
fbem-1043	296	21	24	24	NUM
fbem-1043	296	22	to	to	PART
fbem-1043	296	23	29	29	NUM
fbem-1043	296	24	years	year	NOUN
fbem-1043	296	25	170	170	NUM
fbem-1043	296	26	35.05	35.05	NUM
fbem-1043	296	27	%	%	NOUN
fbem-1043	296	28	30	30	NUM
fbem-1043	296	29	to	to	PART
fbem-1043	296	30	39	39	NUM
fbem-1043	296	31	years	year	NOUN
fbem-1043	296	32	100	100	NUM
fbem-1043	296	33	20.62	20.62	NUM
fbem-1043	296	34	%	%	NOUN
fbem-1043	296	35	40	40	NUM
fbem-1043	296	36	to	to	PART
fbem-1043	296	37	49	49	NUM
fbem-1043	296	38	years	year	NOUN
fbem-1043	296	39	90	90	NUM
fbem-1043	296	40	18.57	18.57	NUM
fbem-1043	296	41	%	%	NOUN
fbem-1043	296	42	equal	equal	ADJ
fbem-1043	296	43	and	and	CCONJ
fbem-1043	296	44	more	more	ADJ
fbem-1043	296	45	than	than	ADP
fbem-1043	296	46	50	50	NUM
fbem-1043	296	47	years	year	NOUN
fbem-1043	296	48	45	45	NUM
fbem-1043	296	49	9.27	9.27	NUM
fbem-1043	296	50	%	%	NOUN
fbem-1043	296	51	status	status	NOUN
fbem-1043	296	52	single	single	ADJ
fbem-1043	296	53	200	200	NUM
fbem-1043	296	54	41.24	41.24	NUM
fbem-1043	296	55	%	%	NOUN
fbem-1043	296	56	married	marry	VERB
fbem-1043	296	57	185	185	NUM
fbem-1043	296	58	38.14	38.14	NUM
fbem-1043	296	59	%	%	NOUN
fbem-1043	296	60	divorced/	divorced/	NUM
fbem-1043	296	61	widowed/	widowed/	NUM
fbem-1043	296	62	separated	separate	VERB
fbem-1043	296	63	100	100	NUM
fbem-1043	296	64	20.62	20.62	NUM
fbem-1043	296	65	%	%	NOUN
fbem-1043	296	66	level	level	NOUN
fbem-1043	296	67	of	of	ADP
fbem-1043	296	68	education	education	NOUN
fbem-1043	296	69	under	under	ADP
fbem-1043	296	70	bachelor	bachelor	NOUN
fbem-1043	296	71	’s	’s	PART
fbem-1043	296	72	degree	degree	NOUN
fbem-1043	296	73	65	65	NUM
fbem-1043	296	74	13.41	13.41	NUM
fbem-1043	296	75	%	%	NOUN
fbem-1043	296	76	bachelor	bachelor	NOUN
fbem-1043	296	77	’s	’s	NOUN
fbem-1043	296	78	degree	degree	NOUN
fbem-1043	296	79	130	130	NUM
fbem-1043	296	80	26.80	26.80	NUM
fbem-1043	296	81	%	%	NOUN
fbem-1043	296	82	master	master	NOUN
fbem-1043	296	83	’s	’s	PART
fbem-1043	296	84	degree	degree	NOUN
fbem-1043	296	85	120	120	NUM
fbem-1043	296	86	24.74	24.74	NUM
fbem-1043	296	87	%	%	NOUN
fbem-1043	296	88	doctorate	doctorate	NOUN
fbem-1043	296	89	degree	degree	NOUN
fbem-1043	296	90	90	90	NUM
fbem-1043	296	91	18.56	18.56	NUM
fbem-1043	296	92	%	%	NOUN
fbem-1043	296	93	others	other	NOUN
fbem-1043	296	94	80	80	NUM
fbem-1043	296	95	16.49	16.49	NUM
fbem-1043	296	96	%	%	NOUN
fbem-1043	296	97	monthly	monthly	ADJ
fbem-1043	296	98	income	income	NOUN
fbem-1043	296	99	less	less	ADJ
fbem-1043	296	100	than	than	ADP
fbem-1043	296	101	and	and	CCONJ
fbem-1043	296	102	equal	equal	ADJ
fbem-1043	296	103	to	to	ADP
fbem-1043	296	104	15,000	15,000	NUM
fbem-1043	296	105	-	-	PUNCT
fbem-1043	296	106	baht	baht	NOUN
fbem-1043	296	107	70	70	NUM
fbem-1043	296	108	14.44	14.44	NUM
fbem-1043	296	109	%	%	NOUN
fbem-1043	296	110	15,001	15,001	NUM
fbem-1043	296	111	-	-	SYM
fbem-1043	296	112	30,000	30,000	NUM
fbem-1043	296	113	baht	baht	NOUN
fbem-1043	296	114	100	100	NUM
fbem-1043	296	115	20.62	20.62	NUM
fbem-1043	296	116	%	%	NOUN
fbem-1043	296	117	30,001	30,001	NUM
fbem-1043	296	118	-	-	SYM
fbem-1043	296	119	50,000	50,000	NUM
fbem-1043	296	120	baht	baht	NOUN
fbem-1043	296	121	130	130	NUM
fbem-1043	296	122	26.80	26.80	NUM
fbem-1043	296	123	%	%	NOUN
fbem-1043	296	124	50,000100,000	50,000100,000	NUM
fbem-1043	296	125	baht	baht	NOUN
fbem-1043	296	126	80	80	NUM
fbem-1043	296	127	16.49	16.49	NUM
fbem-1043	296	128	%	%	NOUN
fbem-1043	296	129	100,001	100,001	NUM
fbem-1043	296	130	-	-	SYM
fbem-1043	296	131	150,000baht	150,000baht	NUM
fbem-1043	296	132	90	90	NUM
fbem-1043	296	133	18.56	18.56	NUM
fbem-1043	296	134	%	%	NOUN
fbem-1043	296	135	more	more	ADJ
fbem-1043	296	136	than	than	ADP
fbem-1043	296	137	150,000	150,000	NUM
fbem-1043	296	138	baht	baht	NOUN
fbem-1043	296	139	15	15	NUM
fbem-1043	296	140	3.09	3.09	NUM
fbem-1043	296	141	%	%	NOUN
fbem-1043	296	142	professional	professional	ADJ
fbem-1043	296	143	status	status	NOUN
fbem-1043	296	144	state	state	NOUN
fbem-1043	296	145	enterprise	enterprise	NOUN
fbem-1043	296	146	employee	employee	NOUN
fbem-1043	296	147	35	35	NUM
fbem-1043	296	148	7.22	7.22	NUM
fbem-1043	296	149	%	%	NOUN
fbem-1043	296	150	private	private	ADJ
fbem-1043	296	151	employee	employee	NOUN
fbem-1043	296	152	180	180	NUM
fbem-1043	296	153	37.11	37.11	NUM
fbem-1043	296	154	%	%	NOUN
fbem-1043	296	155	self	self	NOUN
fbem-1043	296	156	-	-	PUNCT
fbem-1043	296	157	employed	employ	VERB
fbem-1043	296	158	100	100	NUM
fbem-1043	296	159	20.62	20.62	NUM
fbem-1043	296	160	%	%	NOUN
fbem-1043	296	161	searching	search	VERB
fbem-1043	296	162	for	for	ADP
fbem-1043	296	163	a	a	DET
fbem-1043	296	164	job	job	NOUN
fbem-1043	296	165	55	55	NUM
fbem-1043	296	166	11.34	11.34	NUM
fbem-1043	296	167	%	%	NOUN
fbem-1043	296	168	retired	retire	VERB
fbem-1043	296	169	30	30	NUM
fbem-1043	296	170	6.19	6.19	NUM
fbem-1043	296	171	%	%	NOUN
fbem-1043	296	172	students	student	NOUN
fbem-1043	296	173	85	85	NUM
fbem-1043	296	174	17.52	17.52	NUM
fbem-1043	296	175	%	%	NOUN
fbem-1043	296	176	figure	figure	NOUN
fbem-1043	296	177	1	1	NUM
fbem-1043	296	178	.	.	PUNCT
fbem-1043	297	1	the	the	DET
fbem-1043	297	2	conceptual	conceptual	ADJ
fbem-1043	297	3	model	model	NOUN
fbem-1043	297	4	first	first	ADJ
fbem-1043	297	5	-	-	PUNCT
fbem-1043	297	6	order	order	NOUN
fbem-1043	297	7	variables	variable	NOUN
fbem-1043	297	8	:	:	PUNCT
fbem-1043	297	9	benefits	benefit	NOUN
fbem-1043	297	10	(	(	PUNCT
fbem-1043	297	11	bn	bn	NOUN
fbem-1043	297	12	)	)	PUNCT
fbem-1043	297	13	,	,	PUNCT
fbem-1043	297	14	trust	trust	NOUN
fbem-1043	297	15	&	&	CCONJ
fbem-1043	297	16	security	security	PROPN
fbem-1043	297	17	(	(	PUNCT
fbem-1043	297	18	ts	ts	NOUN
fbem-1043	297	19	)	)	PUNCT
fbem-1043	297	20	,	,	PUNCT
fbem-1043	297	21	user	user	NOUN
fbem-1043	297	22	friendly	friendly	ADJ
fbem-1043	297	23	(	(	PUNCT
fbem-1043	297	24	uf	uf	NOUN
fbem-1043	297	25	)	)	PUNCT
fbem-1043	297	26	,	,	PUNCT
fbem-1043	297	27	technology	technology	NOUN
fbem-1043	297	28	(	(	PUNCT
fbem-1043	297	29	tn	tn	NOUN
fbem-1043	297	30	)	)	PUNCT
fbem-1043	297	31	,	,	PUNCT
fbem-1043	297	32	popularity	popularity	NOUN
fbem-1043	297	33	(	(	PUNCT
fbem-1043	297	34	pp	pp	ADJ
fbem-1043	297	35	)	)	PUNCT
fbem-1043	297	36	,	,	PUNCT
fbem-1043	297	37	culture	culture	NOUN
fbem-1043	297	38	(	(	PUNCT
fbem-1043	297	39	cu	cu	PROPN
fbem-1043	297	40	)	)	PUNCT
fbem-1043	297	41	,	,	PUNCT
fbem-1043	297	42	government	government	NOUN
fbem-1043	297	43	policy	policy	NOUN
fbem-1043	297	44	(	(	PUNCT
fbem-1043	297	45	gp	gp	NOUN
fbem-1043	297	46	)	)	PUNCT
fbem-1043	297	47	,	,	PUNCT
fbem-1043	297	48	social	social	ADJ
fbem-1043	297	49	pressure	pressure	NOUN
fbem-1043	297	50	(	(	PUNCT
fbem-1043	297	51	sp	sp	NOUN
fbem-1043	297	52	)	)	PUNCT
fbem-1043	297	53	,	,	PUNCT
fbem-1043	297	54	pop	pop	NOUN
fbem-1043	297	55	culture	culture	NOUN
fbem-1043	297	56	(	(	PUNCT
fbem-1043	297	57	pc	pc	NOUN
fbem-1043	297	58	)	)	PUNCT
fbem-1043	297	59	,	,	PUNCT
fbem-1043	297	60	product	product	NOUN
fbem-1043	297	61	value	value	NOUN
fbem-1043	297	62	(	(	PUNCT
fbem-1043	297	63	pd	pd	NOUN
fbem-1043	297	64	)	)	PUNCT
fbem-1043	297	65	,	,	PUNCT
fbem-1043	297	66	e	e	X
fbem-1043	297	67	-	-	ADJ
fbem-1043	297	68	payment	payment	NOUN
fbem-1043	297	69	behavior	behavior	NOUN
fbem-1043	297	70	(	(	PUNCT
fbem-1043	297	71	ep	ep	PROPN
fbem-1043	297	72	)	)	PUNCT
fbem-1043	297	73	the	the	DET
fbem-1043	297	74	result	result	NOUN
fbem-1043	297	75	of	of	ADP
fbem-1043	297	76	our	our	PRON
fbem-1043	297	77	proposed	propose	VERB
fbem-1043	297	78	second	second	ADJ
fbem-1043	297	79	-	-	PUNCT
fbem-1043	297	80	order	order	NOUN
fbem-1043	297	81	sem	sem	NOUN
fbem-1043	297	82	model	model	NOUN
fbem-1043	297	83	shows	show	VERB
fbem-1043	297	84	9	9	NUM
fbem-1043	297	85	the	the	DET
fbem-1043	297	86	followings	following	NOUN
fbem-1043	297	87	:	:	PUNCT
fbem-1043	298	1	1	1	X
fbem-1043	298	2	.	.	X
fbem-1043	298	3	rmr&gfi	rmr&gfi	NOUN
fbem-1043	298	4	model	model	NOUN
fbem-1043	298	5	rmf	rmf	PROPN
fbem-1043	298	6	gfi	gfi	PROPN
fbem-1043	298	7	afgi	afgi	PROPN
fbem-1043	298	8	pgfi	pgfi	PROPN
fbem-1043	298	9	default	default	PROPN
fbem-1043	298	10	model	model	NOUN
fbem-1043	298	11	.016	.016	PROPN
fbem-1043	298	12	.900	.900	NUM
fbem-1043	298	13	.876	.876	NUM
fbem-1043	298	14	.724	.724	NUM
fbem-1043	298	15	saturated	saturate	VERB
fbem-1043	298	16	model	model	NOUN
fbem-1043	298	17	.000	.000	NUM
fbem-1043	298	18	1.000	1.000	NUM
fbem-1043	298	19	independence	independence	NOUN
fbem-1043	298	20	model	model	NOUN
fbem-1043	298	21	.024	.024	NUM
fbem-1043	298	22	.689	.689	NUM
fbem-1043	298	23	.665	.665	NUM
fbem-1043	298	24	.640	.640	NUM
fbem-1043	298	25	2	2	NUM
fbem-1043	298	26	.	.	X
fbem-1043	298	27	rmsea	rmsea	NOUN
fbem-1043	298	28	model	model	NOUN
fbem-1043	298	29	rmsea	rmsea	NOUN
fbem-1043	299	1	lo	lo	PROPN
fbem-1043	299	2	90	90	NUM
fbem-1043	299	3	hi	hi	INTJ
fbem-1043	299	4	90	90	NUM
fbem-1043	299	5	pclose	pclose	NOUN
fbem-1043	299	6	default	default	NOUN
fbem-1043	299	7	model	model	NOUN
fbem-1043	299	8	.052	.052	NUM
fbem-1043	299	9	.047	.047	NUM
fbem-1043	299	10	.057	.057	NUM
fbem-1043	299	11	.269	.269	NUM
fbem-1043	299	12	independe	independe	PROPN
fbem-1043	299	13	nce	nce	NOUN
fbem-1043	299	14	model	model	NOUN
fbem-1043	299	15	.086	.086	NUM
fbem-1043	299	16	.081	.081	NUM
fbem-1043	299	17	.090	.090	NUM
fbem-1043	299	18	.000	.000	NUM
fbem-1043	299	19	since	since	SCONJ
fbem-1043	299	20	the	the	DET
fbem-1043	299	21	rmsea	rmsea	NOUN
fbem-1043	299	22	for	for	ADP
fbem-1043	299	23	this	this	DET
fbem-1043	299	24	model	model	NOUN
fbem-1043	299	25	is	be	AUX
fbem-1043	299	26	.052	.052	NUM
fbem-1043	299	27	(	(	PUNCT
fbem-1043	299	28	<	<	X
fbem-1043	299	29	.06	.06	NUM
fbem-1043	299	30	)	)	PUNCT
fbem-1043	299	31	and	and	CCONJ
fbem-1043	299	32	the	the	DET
fbem-1043	299	33	goodness	goodness	NOUN
fbem-1043	299	34	of	of	ADP
fbem-1043	299	35	fit	fit	ADJ
fbem-1043	299	36	index	index	NOUN
fbem-1043	299	37	(	(	PUNCT
fbem-1043	299	38	gfi	gfi	PROPN
fbem-1043	299	39	)	)	PUNCT
fbem-1043	299	40	equals	equal	VERB
fbem-1043	299	41	0.9	0.9	NUM
fbem-1043	299	42	,	,	PUNCT
fbem-1043	299	43	therefore	therefore	ADV
fbem-1043	299	44	the	the	DET
fbem-1043	299	45	model	model	NOUN
fbem-1043	299	46	seems	seem	VERB
fbem-1043	299	47	to	to	PART
fbem-1043	299	48	fit	fit	VERB
fbem-1043	299	49	well	well	ADV
fbem-1043	299	50	according	accord	VERB
fbem-1043	299	51	to	to	ADP
fbem-1043	299	52	the	the	DET
fbem-1043	299	53	descriptive	descriptive	ADJ
fbem-1043	299	54	measures	measure	NOUN
fbem-1043	299	55	of	of	ADP
fbem-1043	299	56	fit	fit	NOUN
fbem-1043	299	57	.	.	PUNCT
fbem-1043	300	1	more	more	ADV
fbem-1043	300	2	importantly	importantly	ADV
fbem-1043	300	3	,	,	PUNCT
fbem-1043	300	4	trust	trust	NOUN
fbem-1043	300	5	&	&	CCONJ
fbem-1043	300	6	security	security	PROPN
fbem-1043	300	7	(	(	PUNCT
fbem-1043	300	8	ts	ts	NOUN
fbem-1043	300	9	)	)	PUNCT
fbem-1043	300	10	and	and	CCONJ
fbem-1043	300	11	second	second	ADJ
fbem-1043	300	12	-	-	PUNCT
fbem-1043	300	13	order	order	NOUN
fbem-1043	300	14	latent	latent	NOUN
fbem-1043	300	15	variable	variable	NOUN
fbem-1043	300	16	called	call	VERB
fbem-1043	300	17	product	product	NOUN
fbem-1043	300	18	value	value	NOUN
fbem-1043	300	19	(	(	PUNCT
fbem-1043	300	20	pd	pd	NOUN
fbem-1043	300	21	)	)	PUNCT
fbem-1043	300	22	which	which	PRON
fbem-1043	300	23	represents	represent	VERB
fbem-1043	300	24	user	user	NOUN
fbem-1043	300	25	friendly	friendly	ADJ
fbem-1043	300	26	(	(	PUNCT
fbem-1043	300	27	uf	uf	NOUN
fbem-1043	300	28	)	)	PUNCT
fbem-1043	300	29	and	and	CCONJ
fbem-1043	300	30	technological	technological	ADJ
fbem-1043	300	31	aspects	aspect	NOUN
fbem-1043	300	32	(	(	PUNCT
fbem-1043	300	33	tn	tn	NOUN
fbem-1043	300	34	)	)	PUNCT
fbem-1043	300	35	of	of	ADP
fbem-1043	300	36	epayment	epayment	ADJ
fbem-1043	300	37	system	system	NOUN
fbem-1043	300	38	seem	seem	VERB
fbem-1043	300	39	to	to	PART
fbem-1043	300	40	have	have	VERB
fbem-1043	300	41	significant	significant	ADJ
fbem-1043	300	42	effects	effect	NOUN
fbem-1043	300	43	on	on	ADP
fbem-1043	300	44	customer	customer	NOUN
fbem-1043	300	45	desire	desire	NOUN
fbem-1043	300	46	to	to	PART
fbem-1043	300	47	use	use	VERB
fbem-1043	300	48	e	e	NOUN
fbem-1043	300	49	-	-	NOUN
fbem-1043	300	50	payment	payment	NOUN
fbem-1043	300	51	due	due	ADP
fbem-1043	300	52	to	to	ADP
fbem-1043	300	53	their	their	PRON
fbem-1043	300	54	p	p	NOUN
fbem-1043	300	55	-	-	PUNCT
fbem-1043	300	56	values	value	NOUN
fbem-1043	300	57	are	be	AUX
fbem-1043	300	58	both	both	ADV
fbem-1043	300	59	less	less	ADJ
fbem-1043	300	60	than	than	ADP
fbem-1043	300	61	.05	.05	NUM
fbem-1043	300	62	.	.	PUNCT
fbem-1043	301	1	therefore	therefore	ADV
fbem-1043	301	2	,	,	PUNCT
fbem-1043	301	3	ho2	ho2	PROPN
fbem-1043	301	4	,	,	PUNCT
fbem-1043	301	5	ho3	ho3	NOUN
fbem-1043	301	6	and	and	CCONJ
fbem-1043	301	7	ho4	ho4	NOUN
fbem-1043	301	8	are	be	AUX
fbem-1043	301	9	true	true	ADJ
fbem-1043	301	10	.	.	PUNCT
fbem-1043	302	1	estimate	estimate	VERB
fbem-1043	302	2	s.e	s.e	PROPN
fbem-1043	302	3	.	.	PROPN
fbem-1043	302	4	c.r	c.r	PROPN
fbem-1043	302	5	.	.	PUNCT
fbem-1043	303	1	p	p	PROPN
fbem-1043	303	2	label	label	NOUN
fbem-1043	303	3	pc	pc	NOUN
fbem-1043	303	4	<	<	X
fbem-1043	303	5	--cu	--cu	NOUN
fbem-1043	303	6	3.530	3.530	NUM
fbem-1043	303	7	8.155	8.155	NUM
fbem-1043	303	8	.433	.433	NUM
fbem-1043	303	9	.665	.665	NUM
fbem-1043	303	10	pd	pd	PROPN
fbem-1043	303	11	<	<	X
fbem-1043	303	12	--tn	--tn	VERB
fbem-1043	303	13	3.279	3.279	NUM
fbem-1043	303	14	1.340	1.340	NUM
fbem-1043	303	15	2.447	2.447	NUM
fbem-1043	303	16	.014	.014	NUM
fbem-1043	303	17	gp	gp	NOUN
fbem-1043	304	1	<	<	X
fbem-1043	304	2	--pd	--pd	PROPN
fbem-1043	304	3	.339	.339	NUM
fbem-1043	304	4	.105	.105	NUM
fbem-1043	304	5	3.246	3.246	NUM
fbem-1043	304	6	.001	.001	NUM
fbem-1043	304	7	gp	gp	NOUN
fbem-1043	305	1	<	<	X
fbem-1043	305	2	--pc	--pc	X
fbem-1043	305	3	.175	.175	NUM
fbem-1043	305	4	.400	.400	NUM
fbem-1043	305	5	.437	.437	NUM
fbem-1043	305	6	.662	.662	NUM
fbem-1043	305	7	sp	sp	ADP
fbem-1043	305	8	<	<	X
fbem-1043	305	9	--pc	--pc	NOUN
fbem-1043	305	10	.162	.162	NUM
fbem-1043	305	11	.374	.374	NUM
fbem-1043	305	12	.434	.434	NUM
fbem-1043	305	13	.664	.664	NUM
fbem-1043	305	14	sp	sp	ADP
fbem-1043	305	15	<	<	X
fbem-1043	305	16	--pd	--pd	PROPN
fbem-1043	305	17	.242	.242	NUM
fbem-1043	305	18	.083	.083	NUM
fbem-1043	305	19	2.933	2.933	NUM
fbem-1043	305	20	.003	.003	NUM
fbem-1043	305	21	ep	ep	PROPN
fbem-1043	305	22	<	<	X
fbem-1043	305	23	--bn	--bn	NOUN
fbem-1043	305	24	-1.438	-1.438	PUNCT
fbem-1043	305	25	1.668	1.668	NUM
fbem-1043	305	26	-.862	-.862	PROPN
fbem-1043	305	27	.389	.389	NUM
fbem-1043	305	28	ep	ep	PROPN
fbem-1043	305	29	<	<	PROPN
fbem-1043	305	30	--ts	--ts	PROPN
fbem-1043	305	31	-.507	-.507	PROPN
fbem-1043	305	32	.197	.197	NUM
fbem-1043	305	33	-2.572	-2.572	SYM
fbem-1043	305	34	.010	.010	NUM
fbem-1043	305	35	ep	ep	PROPN
fbem-1043	305	36	<	<	PROPN
fbem-1043	305	37	--pc	--pc	PROPN
fbem-1043	305	38	-.104	-.104	PROPN
fbem-1043	305	39	.254	.254	NUM
fbem-1043	305	40	-.407	-.407	PROPN
fbem-1043	305	41	.684	.684	NUM
fbem-1043	306	1	ep	ep	PROPN
fbem-1043	306	2	<	<	X
fbem-1043	306	3	--pd	--pd	PROPN
fbem-1043	307	1	-.481	-.481	PROPN
fbem-1043	307	2	.165	.165	NUM
fbem-1043	307	3	-2.922	-2.922	X
fbem-1043	307	4	.003	.003	NUM
fbem-1043	307	5	4	4	NUM
fbem-1043	307	6	.	.	PUNCT
fbem-1043	308	1	discussion	discussion	NOUN
fbem-1043	308	2	&	&	CCONJ
fbem-1043	308	3	conclusion	conclusion	NOUN
fbem-1043	308	4	through	through	ADP
fbem-1043	308	5	the	the	DET
fbem-1043	308	6	use	use	NOUN
fbem-1043	308	7	of	of	ADP
fbem-1043	308	8	the	the	DET
fbem-1043	308	9	sem	sem	PROPN
fbem-1043	308	10	model	model	NOUN
fbem-1043	308	11	,	,	PUNCT
fbem-1043	308	12	this	this	DET
fbem-1043	308	13	study	study	NOUN
fbem-1043	308	14	expands	expand	VERB
fbem-1043	308	15	on	on	ADP
fbem-1043	308	16	earlier	early	ADJ
fbem-1043	308	17	research	research	NOUN
fbem-1043	308	18	in	in	ADP
fbem-1043	308	19	the	the	DET
fbem-1043	308	20	area	area	NOUN
fbem-1043	308	21	of	of	ADP
fbem-1043	308	22	electronic	electronic	ADJ
fbem-1043	308	23	payment	payment	NOUN
fbem-1043	308	24	behavior	behavior	NOUN
fbem-1043	308	25	.	.	PUNCT
fbem-1043	309	1	finding	find	VERB
fbem-1043	309	2	out	out	ADP
fbem-1043	309	3	what	what	PRON
fbem-1043	309	4	influences	influence	VERB
fbem-1043	309	5	chinese	chinese	ADJ
fbem-1043	309	6	consumers’willingness	consumers’willingness	NOUN
fbem-1043	309	7	to	to	PART
fbem-1043	309	8	accept	accept	VERB
fbem-1043	309	9	e	e	NOUN
fbem-1043	309	10	-	-	NOUN
fbem-1043	309	11	payment	payment	NOUN
fbem-1043	309	12	in	in	ADP
fbem-1043	309	13	thailand	thailand	PROPN
fbem-1043	309	14	is	be	AUX
fbem-1043	309	15	the	the	DET
fbem-1043	309	16	major	major	ADJ
fbem-1043	309	17	goal	goal	NOUN
fbem-1043	309	18	of	of	ADP
fbem-1043	309	19	this	this	DET
fbem-1043	309	20	study	study	NOUN
fbem-1043	309	21	.	.	PUNCT
fbem-1043	310	1	a	a	DET
fbem-1043	310	2	sem	sem	PROPN
fbem-1043	310	3	research	research	NOUN
fbem-1043	310	4	model	model	NOUN
fbem-1043	310	5	that	that	PRON
fbem-1043	310	6	includes	include	VERB
fbem-1043	310	7	first	first	ADJ
fbem-1043	310	8	-	-	PUNCT
fbem-1043	310	9	order	order	NOUN
fbem-1043	310	10	benefits	benefit	NOUN
fbem-1043	310	11	(	(	PUNCT
fbem-1043	310	12	bn	bn	NOUN
fbem-1043	310	13	)	)	PUNCT
fbem-1043	310	14	,	,	PUNCT
fbem-1043	310	15	trust	trust	NOUN
fbem-1043	310	16	&	&	CCONJ
fbem-1043	310	17	security	security	PROPN
fbem-1043	310	18	(	(	PUNCT
fbem-1043	310	19	ts	ts	NOUN
fbem-1043	310	20	)	)	PUNCT
fbem-1043	310	21	,	,	PUNCT
fbem-1043	310	22	user	user	NOUN
fbem-1043	310	23	friendly	friendly	ADJ
fbem-1043	310	24	(	(	PUNCT
fbem-1043	310	25	uf	uf	NOUN
fbem-1043	310	26	)	)	PUNCT
fbem-1043	310	27	,	,	PUNCT
fbem-1043	310	28	technology	technology	NOUN
fbem-1043	310	29	(	(	PUNCT
fbem-1043	310	30	tn	tn	NOUN
fbem-1043	310	31	)	)	PUNCT
fbem-1043	310	32	,	,	PUNCT
fbem-1043	310	33	popularity	popularity	NOUN
fbem-1043	310	34	(	(	PUNCT
fbem-1043	310	35	pp	pp	ADJ
fbem-1043	310	36	)	)	PUNCT
fbem-1043	310	37	,	,	PUNCT
fbem-1043	310	38	culture	culture	NOUN
fbem-1043	310	39	(	(	PUNCT
fbem-1043	310	40	cu	cu	PROPN
fbem-1043	310	41	)	)	PUNCT
fbem-1043	310	42	,	,	PUNCT
fbem-1043	310	43	government	government	NOUN
fbem-1043	310	44	policy	policy	NOUN
fbem-1043	310	45	(	(	PUNCT
fbem-1043	310	46	gp	gp	NOUN
fbem-1043	310	47	)	)	PUNCT
fbem-1043	310	48	,	,	PUNCT
fbem-1043	310	49	social	social	ADJ
fbem-1043	310	50	pressure	pressure	NOUN
fbem-1043	310	51	(	(	PUNCT
fbem-1043	310	52	sp	sp	NOUN
fbem-1043	310	53	)	)	PUNCT
fbem-1043	310	54	,	,	PUNCT
fbem-1043	310	55	pop	pop	NOUN
fbem-1043	310	56	culture	culture	NOUN
fbem-1043	310	57	(	(	PUNCT
fbem-1043	310	58	pc	pc	NOUN
fbem-1043	310	59	)	)	PUNCT
fbem-1043	310	60	,	,	PUNCT
fbem-1043	310	61	product	product	NOUN
fbem-1043	310	62	value	value	NOUN
fbem-1043	310	63	(	(	PUNCT
fbem-1043	310	64	pd	pd	NOUN
fbem-1043	310	65	)	)	PUNCT
fbem-1043	310	66	,	,	PUNCT
fbem-1043	310	67	and	and	CCONJ
fbem-1043	310	68	e	e	NOUN
fbem-1043	310	69	-	-	NOUN
fbem-1043	310	70	payment	payment	NOUN
fbem-1043	310	71	behavior	behavior	NOUN
fbem-1043	310	72	is	be	AUX
fbem-1043	310	73	established	establish	VERB
fbem-1043	310	74	in	in	ADP
fbem-1043	310	75	order	order	NOUN
fbem-1043	310	76	to	to	PART
fbem-1043	310	77	accomplish	accomplish	VERB
fbem-1043	310	78	this	this	DET
fbem-1043	310	79	goal	goal	NOUN
fbem-1043	310	80	(	(	PUNCT
fbem-1043	310	81	ep	ep	PROPN
fbem-1043	310	82	)	)	PUNCT
fbem-1043	310	83	.	.	PUNCT
fbem-1043	311	1	a	a	DET
fbem-1043	311	2	dependent	dependent	ADJ
fbem-1043	311	3	variable	variable	NOUN
fbem-1043	311	4	,	,	PUNCT
fbem-1043	311	5	too	too	ADV
fbem-1043	311	6	(	(	PUNCT
fbem-1043	311	7	the	the	DET
fbem-1043	311	8	willingness	willingness	NOUN
fbem-1043	311	9	of	of	ADP
fbem-1043	311	10	customers	customer	NOUN
fbem-1043	311	11	to	to	PART
fbem-1043	311	12	use	use	VERB
fbem-1043	311	13	e	e	NOUN
fbem-1043	311	14	-	-	NOUN
fbem-1043	311	15	payment	payment	NOUN
fbem-1043	311	16	)	)	PUNCT
fbem-1043	311	17	.	.	PUNCT
fbem-1043	312	1	participants’replies	participants’replie	NOUN
fbem-1043	312	2	are	be	AUX
fbem-1043	312	3	measured	measure	VERB
fbem-1043	312	4	using	use	VERB
fbem-1043	312	5	quantitative	quantitative	ADJ
fbem-1043	312	6	questionnaires	questionnaire	NOUN
fbem-1043	312	7	.	.	PUNCT
fbem-1043	313	1	sem	sem	NOUN
fbem-1043	313	2	modeling	modeling	NOUN
fbem-1043	313	3	is	be	AUX
fbem-1043	313	4	the	the	DET
fbem-1043	313	5	statistical	statistical	ADJ
fbem-1043	313	6	analytic	analytic	ADJ
fbem-1043	313	7	technique	technique	NOUN
fbem-1043	313	8	employed	employ	VERB
fbem-1043	313	9	in	in	ADP
fbem-1043	313	10	this	this	DET
fbem-1043	313	11	work	work	NOUN
fbem-1043	313	12	to	to	PART
fbem-1043	313	13	test	test	VERB
fbem-1043	313	14	all	all	DET
fbem-1043	313	15	presumptions	presumption	NOUN
fbem-1043	313	16	.	.	PUNCT
fbem-1043	314	1	according	accord	VERB
fbem-1043	314	2	to	to	ADP
fbem-1043	314	3	the	the	DET
fbem-1043	314	4	findings	finding	NOUN
fbem-1043	314	5	,	,	PUNCT
fbem-1043	314	6	among	among	ADP
fbem-1043	314	7	the	the	DET
fbem-1043	314	8	sem	sem	PROPN
fbem-1043	314	9	model	model	NOUN
fbem-1043	314	10	’s	’s	PART
fbem-1043	314	11	nine	nine	NUM
fbem-1043	314	12	independent	independent	ADJ
fbem-1043	314	13	variables	variable	NOUN
fbem-1043	314	14	,	,	PUNCT
fbem-1043	314	15	trust	trust	NOUN
fbem-1043	314	16	&	&	CCONJ
fbem-1043	314	17	security	security	PROPN
fbem-1043	314	18	(	(	PUNCT
fbem-1043	314	19	ts	ts	NOUN
fbem-1043	314	20	)	)	PUNCT
fbem-1043	314	21	,	,	PUNCT
fbem-1043	314	22	userfriendliness	userfriendliness	NOUN
fbem-1043	314	23	(	(	PUNCT
fbem-1043	314	24	uf	uf	NOUN
fbem-1043	314	25	)	)	PUNCT
fbem-1043	314	26	,	,	PUNCT
fbem-1043	314	27	and	and	CCONJ
fbem-1043	314	28	technology	technology	NOUN
fbem-1043	314	29	(	(	PUNCT
fbem-1043	314	30	tn	tn	NOUN
fbem-1043	314	31	)	)	PUNCT
fbem-1043	314	32	had	have	VERB
fbem-1043	314	33	the	the	DET
fbem-1043	314	34	greatest	great	ADJ
fbem-1043	314	35	influence	influence	NOUN
fbem-1043	314	36	on	on	ADP
fbem-1043	314	37	consumers	consumer	NOUN
fbem-1043	314	38	'	'	PART
fbem-1043	314	39	propensity	propensity	NOUN
fbem-1043	314	40	to	to	PART
fbem-1043	314	41	adopt	adopt	VERB
fbem-1043	314	42	e	e	NOUN
fbem-1043	314	43	-	-	NOUN
fbem-1043	314	44	payment	payment	NOUN
fbem-1043	314	45	.	.	PUNCT
fbem-1043	315	1	customers	customer	NOUN
fbem-1043	315	2	may	may	AUX
fbem-1043	315	3	finish	finish	VERB
fbem-1043	315	4	their	their	PRON
fbem-1043	315	5	purchases	purchase	NOUN
fbem-1043	315	6	more	more	ADV
fbem-1043	315	7	quickly	quickly	ADV
fbem-1043	315	8	,	,	PUNCT
fbem-1043	315	9	realize	realize	VERB
fbem-1043	315	10	efficient	efficient	ADJ
fbem-1043	315	11	online	online	ADJ
fbem-1043	315	12	shopping	shopping	NOUN
fbem-1043	315	13	,	,	PUNCT
fbem-1043	315	14	and	and	CCONJ
fbem-1043	315	15	experience	experience	VERB
fbem-1043	315	16	the	the	DET
fbem-1043	315	17	effectiveness	effectiveness	NOUN
fbem-1043	315	18	of	of	ADP
fbem-1043	315	19	e	e	NOUN
fbem-1043	315	20	-	-	NOUN
fbem-1043	315	21	payment	payment	ADJ
fbem-1043	315	22	thanks	thank	NOUN
fbem-1043	315	23	to	to	ADP
fbem-1043	315	24	the	the	DET
fbem-1043	315	25	security	security	NOUN
fbem-1043	315	26	,	,	PUNCT
fbem-1043	315	27	accessibility	accessibility	NOUN
fbem-1043	315	28	,	,	PUNCT
fbem-1043	315	29	and	and	CCONJ
fbem-1043	315	30	technology	technology	NOUN
fbem-1043	315	31	of	of	ADP
fbem-1043	315	32	the	the	DET
fbem-1043	315	33	e	e	NOUN
fbem-1043	315	34	-	-	NOUN
fbem-1043	315	35	payment	payment	NOUN
fbem-1043	315	36	system	system	NOUN
fbem-1043	315	37	.	.	PUNCT
fbem-1043	316	1	the	the	DET
fbem-1043	316	2	market	market	NOUN
fbem-1043	316	3	should	should	AUX
fbem-1043	316	4	pay	pay	VERB
fbem-1043	316	5	close	close	ADJ
fbem-1043	316	6	attention	attention	NOUN
fbem-1043	316	7	to	to	ADP
fbem-1043	316	8	customers	customer	NOUN
fbem-1043	316	9	at	at	ADP
fbem-1043	316	10	this	this	DET
fbem-1043	316	11	nascent	nascent	ADJ
fbem-1043	316	12	stage	stage	NOUN
fbem-1043	316	13	since	since	SCONJ
fbem-1043	316	14	they	they	PRON
fbem-1043	316	15	have	have	VERB
fbem-1043	316	16	a	a	DET
fbem-1043	316	17	strong	strong	ADJ
fbem-1043	316	18	need	need	NOUN
fbem-1043	316	19	to	to	PART
fbem-1043	316	20	pay	pay	VERB
fbem-1043	316	21	for	for	ADP
fbem-1043	316	22	products	product	NOUN
fbem-1043	316	23	and	and	CCONJ
fbem-1043	316	24	services	service	NOUN
fbem-1043	316	25	in	in	ADP
fbem-1043	316	26	any	any	DET
fbem-1043	316	27	circumstance	circumstance	NOUN
fbem-1043	316	28	.	.	PUNCT
fbem-1043	317	1	as	as	ADP
fbem-1043	317	2	a	a	DET
fbem-1043	317	3	result	result	NOUN
fbem-1043	317	4	,	,	PUNCT
fbem-1043	317	5	the	the	DET
fbem-1043	317	6	challenge	challenge	NOUN
fbem-1043	317	7	for	for	ADP
fbem-1043	317	8	pertinent	pertinent	ADJ
fbem-1043	317	9	service	service	NOUN
fbem-1043	317	10	providers	provider	NOUN
fbem-1043	317	11	is	be	AUX
fbem-1043	317	12	to	to	PART
fbem-1043	317	13	create	create	VERB
fbem-1043	317	14	and	and	CCONJ
fbem-1043	317	15	market	market	NOUN
fbem-1043	317	16	mobile	mobile	ADJ
fbem-1043	317	17	payment	payment	NOUN
fbem-1043	317	18	solutions	solution	NOUN
fbem-1043	317	19	and	and	CCONJ
fbem-1043	317	20	gadgets	gadget	NOUN
fbem-1043	317	21	in	in	ADP
fbem-1043	317	22	a	a	DET
fbem-1043	317	23	way	way	NOUN
fbem-1043	317	24	that	that	PRON
fbem-1043	317	25	consumers	consumer	NOUN
fbem-1043	317	26	deem	deem	VERB
fbem-1043	317	27	to	to	PART
fbem-1043	317	28	be	be	AUX
fbem-1043	317	29	highly	highly	ADV
fbem-1043	317	30	appropriate	appropriate	ADJ
fbem-1043	317	31	for	for	ADP
fbem-1043	317	32	their	their	PRON
fbem-1043	317	33	clients	client	NOUN
fbem-1043	317	34	.	.	PUNCT
fbem-1043	318	1	references	reference	NOUN
fbem-1043	318	2	[	[	X
fbem-1043	318	3	1	1	NUM
fbem-1043	318	4	]	]	PUNCT
fbem-1043	318	5	abrazhevich	abrazhevich	NOUN
fbem-1043	318	6	,	,	PUNCT
fbem-1043	318	7	d.	d.	PROPN
fbem-1043	318	8	(	(	PUNCT
fbem-1043	318	9	2004	2004	NUM
fbem-1043	318	10	)	)	PUNCT
fbem-1043	318	11	,	,	PUNCT
fbem-1043	318	12	“	"	PUNCT
fbem-1043	318	13	electronic	electronic	ADJ
fbem-1043	318	14	payment	payment	NOUN
fbem-1043	318	15	systems	system	NOUN
fbem-1043	318	16	:	:	PUNCT
fbem-1043	318	17	a	a	DET
fbem-1043	318	18	usercentered	usercentered	ADJ
fbem-1043	318	19	perspective	perspective	NOUN
fbem-1043	318	20	and	and	CCONJ
fbem-1043	318	21	interaction	interaction	NOUN
fbem-1043	318	22	design	design	NOUN
fbem-1043	318	23	”	"	PUNCT
fbem-1043	318	24	,	,	PUNCT
fbem-1043	318	25	phd	phd	NOUN
fbem-1043	318	26	thesis	thesis	NOUN
fbem-1043	318	27	,	,	PUNCT
fbem-1043	318	28	technical	technical	ADJ
fbem-1043	318	29	university	university	PROPN
fbem-1043	318	30	of	of	ADP
fbem-1043	318	31	eindhoven	eindhoven	NOUN
fbem-1043	318	32	,	,	PUNCT
fbem-1043	318	33	eindhoven	eindhoven	NOUN
fbem-1043	318	34	.	.	PUNCT
fbem-1043	319	1	[	[	X
fbem-1043	319	2	2	2	NUM
fbem-1043	319	3	]	]	X
fbem-1043	319	4	acheampong	acheampong	NOUN
fbem-1043	319	5	,	,	PUNCT
fbem-1043	319	6	p.	p.	NOUN
fbem-1043	319	7	,	,	PUNCT
fbem-1043	319	8	zhiwen	zhiwen	PROPN
fbem-1043	319	9	,	,	PUNCT
fbem-1043	319	10	l.	l.	PROPN
fbem-1043	319	11	,	,	PUNCT
fbem-1043	319	12	antwi	antwi	PROPN
fbem-1043	319	13	,	,	PUNCT
fbem-1043	319	14	h.	h.	PROPN
fbem-1043	319	15	a.	a.	PROPN
fbem-1043	319	16	,	,	PUNCT
fbem-1043	319	17	otoo	otoo	ADV
fbem-1043	319	18	,	,	PUNCT
fbem-1043	319	19	a.	a.	NOUN
fbem-1043	319	20	a.	a.	PROPN
fbem-1043	319	21	a.	a.	PROPN
fbem-1043	319	22	,	,	PUNCT
fbem-1043	319	23	mensah	mensah	PROPN
fbem-1043	319	24	,	,	PUNCT
fbem-1043	319	25	w.	w.	PROPN
fbem-1043	319	26	g.	g.	PROPN
fbem-1043	319	27	,	,	PUNCT
fbem-1043	319	28	&	&	CCONJ
fbem-1043	319	29	sarpong	sarpong	PROPN
fbem-1043	319	30	,	,	PUNCT
fbem-1043	319	31	p.	p.	PROPN
fbem-1043	319	32	b.	b.	PROPN
fbem-1043	320	1	(	(	PUNCT
fbem-1043	320	2	2017	2017	NUM
fbem-1043	320	3	)	)	PUNCT
fbem-1043	320	4	.	.	PUNCT
fbem-1043	321	1	hybridizing	hybridize	VERB
fbem-1043	321	2	an	an	DET
fbem-1043	321	3	extended	extended	ADJ
fbem-1043	321	4	technology	technology	NOUN
fbem-1043	321	5	readiness	readiness	NOUN
fbem-1043	321	6	index	index	NOUN
fbem-1043	321	7	with	with	ADP
fbem-1043	321	8	technology	technology	NOUN
fbem-1043	321	9	acceptance	acceptance	NOUN
fbem-1043	321	10	model	model	NOUN
fbem-1043	321	11	(	(	PUNCT
fbem-1043	321	12	tam	tam	PROPN
fbem-1043	321	13	)	)	PUNCT
fbem-1043	321	14	to	to	PART
fbem-1043	321	15	predict	predict	VERB
fbem-1043	321	16	e	e	NOUN
fbem-1043	321	17	-	-	NOUN
fbem-1043	321	18	payment	payment	ADJ
fbem-1043	321	19	adoption	adoption	NOUN
fbem-1043	321	20	in	in	ADP
fbem-1043	321	21	ghana	ghana	PROPN
fbem-1043	321	22	.	.	PUNCT
fbem-1043	322	1	american	american	PROPN
fbem-1043	322	2	journal	journal	PROPN
fbem-1043	322	3	of	of	ADP
fbem-1043	322	4	multidisciplinary	multidisciplinary	ADJ
fbem-1043	322	5	research	research	NOUN
fbem-1043	322	6	,	,	PUNCT
fbem-1043	322	7	5(2	5(2	NUM
fbem-1043	322	8	)	)	PUNCT
fbem-1043	322	9	.	.	PUNCT
fbem-1043	323	1	[	[	X
fbem-1043	323	2	3	3	X
fbem-1043	323	3	]	]	PUNCT
fbem-1043	323	4	alademomi	alademomi	PROPN
fbem-1043	323	5	,	,	PUNCT
fbem-1043	323	6	r.	r.	PROPN
fbem-1043	323	7	o.	o.	PROPN
fbem-1043	323	8	,	,	PUNCT
fbem-1043	323	9	rufai	rufai	NOUN
fbem-1043	323	10	,	,	PUNCT
fbem-1043	323	11	o.	o.	PROPN
fbem-1043	323	12	h.	h.	PROPN
fbem-1043	323	13	,	,	PUNCT
fbem-1043	323	14	teye	teye	PROPN
fbem-1043	323	15	,	,	PUNCT
fbem-1043	323	16	e.	e.	PROPN
fbem-1043	323	17	t.	t.	PROPN
fbem-1043	323	18	,	,	PUNCT
fbem-1043	323	19	sunguh	sunguh	PROPN
fbem-1043	323	20	,	,	PUNCT
fbem-1043	323	21	k.	k.	PROPN
fbem-1043	323	22	k.	k.	PROPN
fbem-1043	323	23	,	,	PUNCT
fbem-1043	323	24	ashu	ashu	PROPN
fbem-1043	323	25	,	,	PUNCT
fbem-1043	323	26	h.	h.	PROPN
fbem-1043	323	27	a.	a.	PROPN
fbem-1043	323	28	,	,	PUNCT
fbem-1043	323	29	oludu	oludu	PROPN
fbem-1043	323	30	,	,	PUNCT
fbem-1043	323	31	v.	v.	PROPN
fbem-1043	323	32	o.	o.	PROPN
fbem-1043	323	33	,	,	PUNCT
fbem-1043	323	34	&	&	CCONJ
fbem-1043	323	35	mbugua	mbugua	PROPN
fbem-1043	323	36	,	,	PUNCT
fbem-1043	323	37	c.	c.	PROPN
fbem-1043	323	38	w.	w.	PROPN
fbem-1043	323	39	(	(	PUNCT
fbem-1043	323	40	2019	2019	NUM
fbem-1043	323	41	)	)	PUNCT
fbem-1043	323	42	.	.	PUNCT
fbem-1043	324	1	usage	usage	NOUN
fbem-1043	324	2	of	of	ADP
fbem-1043	324	3	e	e	NOUN
fbem-1043	324	4	-	-	NOUN
fbem-1043	324	5	payment	payment	NOUN
fbem-1043	324	6	on	on	ADP
fbem-1043	324	7	bus	bus	NOUN
fbem-1043	324	8	rapid	rapid	ADJ
fbem-1043	324	9	transit	transit	NOUN
fbem-1043	324	10	(	(	PUNCT
fbem-1043	324	11	brt	brt	PROPN
fbem-1043	324	12	):	):	PUNCT
fbem-1043	324	13	an	an	DET
fbem-1043	324	14	empirical	empirical	ADJ
fbem-1043	324	15	test	test	NOUN
fbem-1043	324	16	,	,	PUNCT
fbem-1043	324	17	public	public	ADJ
fbem-1043	324	18	acceptance	acceptance	NOUN
fbem-1043	324	19	and	and	CCONJ
fbem-1043	324	20	policy	policy	NOUN
fbem-1043	324	21	implications	implication	NOUN
fbem-1043	324	22	in	in	ADP
fbem-1043	324	23	lagos	lagos	PROPN
fbem-1043	324	24	,	,	PUNCT
fbem-1043	324	25	nigeria	nigeria	PROPN
fbem-1043	324	26	.	.	PUNCT
fbem-1043	325	1	international	international	ADJ
fbem-1043	325	2	journal	journal	PROPN
fbem-1043	325	3	of	of	ADP
fbem-1043	325	4	business	business	NOUN
fbem-1043	325	5	and	and	CCONJ
fbem-1043	325	6	social	social	ADJ
fbem-1043	325	7	science	science	NOUN
fbem-1043	325	8	,	,	PUNCT
fbem-1043	325	9	10(2	10(2	NUM
fbem-1043	325	10	)	)	PUNCT
fbem-1043	325	11	.	.	PUNCT
fbem-1043	326	1	[	[	X
fbem-1043	326	2	4	4	NUM
fbem-1043	326	3	]	]	PUNCT
fbem-1043	326	4	alhanoof	alhanoof	NOUN
fbem-1043	326	5	,	,	PUNCT
fbem-1043	326	6	f.	f.	PROPN
fbem-1043	326	7	a.	a.	PROPN
fbem-1043	326	8	,	,	PUNCT
fbem-1043	326	9	&	&	CCONJ
fbem-1043	326	10	othman	othman	PROPN
fbem-1043	326	11	,	,	PUNCT
fbem-1043	326	12	a.	a.	NOUN
fbem-1043	326	13	(	(	PUNCT
fbem-1043	326	14	2018	2018	NUM
fbem-1043	326	15	)	)	PUNCT
fbem-1043	326	16	.	.	PUNCT
fbem-1043	327	1	factors	factor	NOUN
fbem-1043	327	2	affecting	affect	VERB
fbem-1043	327	3	consumers	consumer	NOUN
fbem-1043	327	4	’	’	PART
fbem-1043	327	5	perception	perception	NOUN
fbem-1043	327	6	of	of	ADP
fbem-1043	327	7	electronic	electronic	ADJ
fbem-1043	327	8	payment	payment	NOUN
fbem-1043	327	9	in	in	ADP
fbem-1043	327	10	saudi	saudi	PROPN
fbem-1043	327	11	arabia	arabia	PROPN
fbem-1043	327	12	.	.	PUNCT
fbem-1043	328	1	european	european	PROPN
fbem-1043	328	2	journal	journal	PROPN
fbem-1043	328	3	of	of	ADP
fbem-1043	328	4	business	business	NOUN
fbem-1043	328	5	and	and	CCONJ
fbem-1043	328	6	management	management	NOUN
fbem-1043	328	7	.	.	PUNCT
fbem-1043	329	1	vol.10	vol.10	PROPN
fbem-1043	329	2	,	,	PUNCT
fbem-1043	329	3	no.27	no.27	PROPN
fbem-1043	329	4	.	.	PUNCT
fbem-1043	330	1	[	[	X
fbem-1043	330	2	5	5	NUM
fbem-1043	330	3	]	]	SYM
fbem-1043	330	4	alikhani	alikhani	PROPN
fbem-1043	330	5	,	,	PUNCT
fbem-1043	330	6	a.	a.	NOUN
fbem-1043	330	7	,	,	PUNCT
fbem-1043	330	8	&	&	CCONJ
fbem-1043	330	9	davarzani	davarzani	PROPN
fbem-1043	330	10	,	,	PUNCT
fbem-1043	330	11	m.	m.	NOUN
fbem-1043	330	12	(	(	PUNCT
fbem-1043	330	13	2014	2014	NUM
fbem-1043	330	14	)	)	PUNCT
fbem-1043	330	15	.	.	PUNCT
fbem-1043	331	1	an	an	DET
fbem-1043	331	2	investigation	investigation	NOUN
fbem-1043	331	3	on	on	ADP
fbem-1043	331	4	factors	factor	NOUN
fbem-1043	331	5	influencing	influence	VERB
fbem-1043	331	6	electronic	electronic	ADJ
fbem-1043	331	7	banking	banking	NOUN
fbem-1043	331	8	adoption	adoption	NOUN
fbem-1043	331	9	in	in	ADP
fbem-1043	331	10	private	private	ADJ
fbem-1043	331	11	banks	bank	NOUN
fbem-1043	331	12	versus	versus	ADP
fbem-1043	331	13	public	public	ADJ
fbem-1043	331	14	banks	bank	NOUN
fbem-1043	331	15	.	.	PUNCT
fbem-1043	332	1	management	management	NOUN
fbem-1043	332	2	science	science	NOUN
fbem-1043	332	3	letters	letter	NOUN
fbem-1043	332	4	,	,	PUNCT
fbem-1043	332	5	4(1	4(1	NOUN
fbem-1043	332	6	)	)	PUNCT
fbem-1043	332	7	,	,	PUNCT
fbem-1043	332	8	37	37	NUM
fbem-1043	332	9	-	-	SYM
fbem-1043	332	10	42	42	NUM
fbem-1043	332	11	.	.	PUNCT
fbem-1043	333	1	[	[	X
fbem-1043	333	2	6	6	NUM
fbem-1043	333	3	]	]	PUNCT
fbem-1043	333	4	alyabes	alyabe	NOUN
fbem-1043	333	5	,	,	PUNCT
fbem-1043	333	6	a.	a.	PROPN
fbem-1043	333	7	f.	f.	PROPN
fbem-1043	333	8	,	,	PUNCT
fbem-1043	333	9	&	&	CCONJ
fbem-1043	333	10	alsalloum	alsalloum	PROPN
fbem-1043	333	11	,	,	PUNCT
fbem-1043	333	12	o.	o.	PROPN
fbem-1043	333	13	(	(	PUNCT
fbem-1043	333	14	2018	2018	NUM
fbem-1043	333	15	)	)	PUNCT
fbem-1043	333	16	.	.	PUNCT
fbem-1043	334	1	factors	factor	NOUN
fbem-1043	334	2	affecting	affect	VERB
fbem-1043	334	3	consumers	consumer	NOUN
fbem-1043	334	4	’	’	PART
fbem-1043	334	5	perception	perception	NOUN
fbem-1043	334	6	of	of	ADP
fbem-1043	334	7	electronic	electronic	ADJ
fbem-1043	334	8	payment	payment	NOUN
fbem-1043	334	9	in	in	ADP
fbem-1043	334	10	saudi	saudi	PROPN
fbem-1043	334	11	arabia	arabia	PROPN
fbem-1043	334	12	.	.	PUNCT
fbem-1043	335	1	european	european	PROPN
fbem-1043	335	2	journal	journal	PROPN
fbem-1043	335	3	of	of	ADP
fbem-1043	335	4	business	business	NOUN
fbem-1043	335	5	and	and	CCONJ
fbem-1043	335	6	management	management	NOUN
fbem-1043	335	7	,	,	PUNCT
fbem-1043	335	8	10(27	10(27	NUM
fbem-1043	335	9	)	)	PUNCT
fbem-1043	335	10	,	,	PUNCT
fbem-1043	335	11	36	36	NUM
fbem-1043	335	12	-	-	SYM
fbem-1043	335	13	45	45	NUM
fbem-1043	335	14	.	.	PUNCT
fbem-1043	336	1	[	[	X
fbem-1043	336	2	7	7	NUM
fbem-1043	336	3	]	]	X
fbem-1043	336	4	alzoubi	alzoubi	ADJ
fbem-1043	336	5	.	.	PUNCT
fbem-1043	337	1	(	(	PUNCT
fbem-1043	337	2	2016	2016	NUM
fbem-1043	337	3	)	)	PUNCT
fbem-1043	337	4	.	.	PUNCT
fbem-1043	338	1	a	a	DET
fbem-1043	338	2	study	study	NOUN
fbem-1043	338	3	on	on	ADP
fbem-1043	338	4	the	the	DET
fbem-1043	338	5	usage	usage	NOUN
fbem-1043	338	6	of	of	ADP
fbem-1043	338	7	arabic	arabic	ADJ
fbem-1043	338	8	e	e	NOUN
fbem-1043	338	9	-	-	NOUN
fbem-1043	338	10	commerce	commerce	NOUN
fbem-1043	338	11	websites	website	NOUN
fbem-1043	338	12	services	service	NOUN
fbem-1043	338	13	among	among	ADP
fbem-1043	338	14	uae	uae	PROPN
fbem-1043	338	15	citizens	citizen	NOUN
fbem-1043	338	16	.	.	PUNCT
fbem-1043	339	1	account	account	NOUN
fbem-1043	339	2	and	and	CCONJ
fbem-1043	339	3	financial	financial	ADJ
fbem-1043	339	4	management	management	NOUN
fbem-1043	339	5	journal	journal	NOUN
fbem-1043	339	6	,	,	PUNCT
fbem-1043	339	7	1	1	NUM
fbem-1043	339	8	,	,	PUNCT
fbem-1043	339	9	401	401	NUM
fbem-1043	339	10	-	-	SYM
fbem-1043	339	11	407	407	NUM
fbem-1043	339	12	.	.	PUNCT
fbem-1043	340	1	[	[	X
fbem-1043	340	2	8	8	NUM
fbem-1043	340	3	]	]	X
fbem-1043	340	4	ameerbakhsh	ameerbakhsh	NOUN
fbem-1043	340	5	,	,	PUNCT
fbem-1043	340	6	o.	o.	PROPN
fbem-1043	340	7	z.	z.	PROPN
fbem-1043	340	8	,	,	PUNCT
fbem-1043	340	9	alfadli	alfadli	PROPN
fbem-1043	340	10	,	,	PUNCT
fbem-1043	340	11	i.	i.	PROPN
fbem-1043	340	12	m.	m.	PROPN
fbem-1043	340	13	,	,	PUNCT
fbem-1043	340	14	&	&	CCONJ
fbem-1043	340	15	ghabban	ghabban	PROPN
fbem-1043	340	16	,	,	PUNCT
fbem-1043	340	17	f.	f.	PROPN
fbem-1043	340	18	m.	m.	PROPN
fbem-1043	340	19	(	(	PUNCT
fbem-1043	340	20	2021	2021	NUM
fbem-1043	340	21	)	)	PUNCT
fbem-1043	340	22	.	.	PUNCT
fbem-1043	341	1	factors	factor	NOUN
fbem-1043	341	2	affecting	affect	VERB
fbem-1043	341	3	saudi	saudi	ADJ
fbem-1043	341	4	consumers	consumer	NOUN
fbem-1043	341	5	’	'	PUNCT
fbem-1043	341	6	acceptance	acceptance	NOUN
fbem-1043	341	7	towards	towards	ADP
fbem-1043	341	8	the	the	DET
fbem-1043	341	9	use	use	NOUN
fbem-1043	341	10	of	of	ADP
fbem-1043	341	11	electronic	electronic	ADJ
fbem-1043	341	12	payment	payment	NOUN
fbem-1043	341	13	.	.	PUNCT
fbem-1043	342	1	design	design	NOUN
fbem-1043	342	2	engineering	engineering	NOUN
fbem-1043	342	3	,	,	PUNCT
fbem-1043	342	4	1212	1212	NUM
fbem-1043	342	5	-	-	SYM
fbem-1043	342	6	1224	1224	NUM
fbem-1043	342	7	.	.	PUNCT
fbem-1043	343	1	[	[	X
fbem-1043	343	2	9	9	NUM
fbem-1043	343	3	]	]	SYM
fbem-1043	343	4	amoroso	amoroso	PROPN
fbem-1043	343	5	,	,	PUNCT
fbem-1043	343	6	d.	d.	PROPN
fbem-1043	343	7	l.	l.	PROPN
fbem-1043	343	8	,	,	PUNCT
fbem-1043	343	9	&	&	CCONJ
fbem-1043	343	10	magnier	magnier	PROPN
fbem-1043	343	11	-	-	PUNCT
fbem-1043	343	12	watanabe	watanabe	PROPN
fbem-1043	343	13	,	,	PUNCT
fbem-1043	343	14	r.	r.	PROPN
fbem-1043	343	15	(	(	PUNCT
fbem-1043	343	16	2012	2012	NUM
fbem-1043	343	17	)	)	PUNCT
fbem-1043	343	18	.	.	PUNCT
fbem-1043	344	1	building	build	VERB
fbem-1043	344	2	a	a	DET
fbem-1043	344	3	research	research	NOUN
fbem-1043	344	4	model	model	NOUN
fbem-1043	344	5	for	for	ADP
fbem-1043	344	6	mobile	mobile	ADJ
fbem-1043	344	7	wallet	wallet	NOUN
fbem-1043	344	8	consumer	consumer	NOUN
fbem-1043	344	9	adoption	adoption	NOUN
fbem-1043	344	10	:	:	PUNCT
fbem-1043	344	11	the	the	DET
fbem-1043	344	12	case	case	NOUN
fbem-1043	344	13	10	10	NUM
fbem-1043	344	14	of	of	ADP
fbem-1043	344	15	mobile	mobile	ADJ
fbem-1043	344	16	suica	suica	PROPN
fbem-1043	344	17	in	in	ADP
fbem-1043	344	18	japan	japan	PROPN
fbem-1043	344	19	.	.	PUNCT
fbem-1043	345	1	journal	journal	PROPN
fbem-1043	345	2	of	of	ADP
fbem-1043	345	3	theoretical	theoretical	ADJ
fbem-1043	345	4	and	and	CCONJ
fbem-1043	345	5	applied	apply	VERB
fbem-1043	345	6	electronic	electronic	ADJ
fbem-1043	345	7	commerce	commerce	NOUN
fbem-1043	345	8	research	research	NOUN
fbem-1043	345	9	,	,	PUNCT
fbem-1043	345	10	7(1	7(1	NUM
fbem-1043	345	11	)	)	PUNCT
fbem-1043	345	12	,	,	PUNCT
fbem-1043	345	13	94	94	NUM
fbem-1043	345	14	-	-	SYM
fbem-1043	345	15	110	110	NUM
fbem-1043	345	16	.	.	PUNCT
fbem-1043	346	1	[	[	X
fbem-1043	346	2	10	10	NUM
fbem-1043	346	3	]	]	X
fbem-1043	346	4	barkhordari	barkhordari	PROPN
fbem-1043	346	5	,	,	PUNCT
fbem-1043	346	6	m.	m.	NOUN
fbem-1043	346	7	,	,	PUNCT
fbem-1043	346	8	nourollah	nourollah	PROPN
fbem-1043	346	9	,	,	PUNCT
fbem-1043	346	10	z.	z.	PROPN
fbem-1043	346	11	,	,	PUNCT
fbem-1043	346	12	mashayekhi	mashayekhi	PROPN
fbem-1043	346	13	,	,	PUNCT
fbem-1043	346	14	h.	h.	PROPN
fbem-1043	346	15	,	,	PUNCT
fbem-1043	346	16	mashayekhi	mashayekhi	PROPN
fbem-1043	346	17	,	,	PUNCT
fbem-1043	346	18	y.	y.	PROPN
fbem-1043	346	19	,	,	PUNCT
fbem-1043	346	20	&	&	CCONJ
fbem-1043	346	21	ahangar	ahangar	NOUN
fbem-1043	346	22	,	,	PUNCT
fbem-1043	346	23	m.	m.	NOUN
fbem-1043	346	24	s.	s.	PROPN
fbem-1043	346	25	(	(	PUNCT
fbem-1043	346	26	2017	2017	NUM
fbem-1043	346	27	)	)	PUNCT
fbem-1043	346	28	.	.	PUNCT
fbem-1043	347	1	factors	factor	NOUN
fbem-1043	347	2	influencing	influence	VERB
fbem-1043	347	3	adoption	adoption	NOUN
fbem-1043	347	4	of	of	ADP
fbem-1043	347	5	e	e	NOUN
fbem-1043	347	6	-	-	NOUN
fbem-1043	347	7	payment	payment	NOUN
fbem-1043	347	8	systems	system	NOUN
fbem-1043	347	9	:	:	PUNCT
fbem-1043	347	10	an	an	DET
fbem-1043	347	11	empirical	empirical	ADJ
fbem-1043	347	12	study	study	NOUN
fbem-1043	347	13	on	on	ADP
fbem-1043	347	14	iranian	iranian	ADJ
fbem-1043	347	15	customers	customer	NOUN
fbem-1043	347	16	.	.	PUNCT
fbem-1043	348	1	information	information	NOUN
fbem-1043	348	2	systems	system	NOUN
fbem-1043	348	3	and	and	CCONJ
fbem-1043	348	4	e	e	NOUN
fbem-1043	348	5	-	-	NOUN
fbem-1043	348	6	business	business	NOUN
fbem-1043	348	7	management	management	NOUN
fbem-1043	348	8	,	,	PUNCT
fbem-1043	348	9	15(1	15(1	NUM
fbem-1043	348	10	)	)	PUNCT
fbem-1043	348	11	,	,	PUNCT
fbem-1043	348	12	89	89	NUM
fbem-1043	348	13	-	-	SYM
fbem-1043	348	14	116	116	NUM
fbem-1043	348	15	.	.	PUNCT
fbem-1043	349	1	[	[	X
fbem-1043	349	2	11	11	NUM
fbem-1043	349	3	]	]	X
fbem-1043	349	4	chen	chen	PROPN
fbem-1043	349	5	,	,	PUNCT
fbem-1043	349	6	a.	a.	PROPN
fbem-1043	349	7	,	,	PUNCT
fbem-1043	349	8	walker	walker	PROPN
fbem-1043	349	9	,	,	PUNCT
fbem-1043	349	10	j.	j.	PROPN
fbem-1043	349	11	,	,	PUNCT
fbem-1043	349	12	mccalman	mccalman	PROPN
fbem-1043	349	13	,	,	PUNCT
fbem-1043	349	14	d.	d.	PROPN
fbem-1043	349	15	,	,	PUNCT
fbem-1043	349	16	elkhouly	elkhouly	ADV
fbem-1043	349	17	,	,	PUNCT
fbem-1043	349	18	s.	s.	PROPN
fbem-1043	349	19	e.	e.	PROPN
fbem-1043	349	20	,	,	PUNCT
fbem-1043	349	21	&	&	CCONJ
fbem-1043	349	22	abdeldayem	abdeldayem	PROPN
fbem-1043	349	23	,	,	PUNCT
fbem-1043	349	24	m.	m.	NOUN
fbem-1043	349	25	(	(	PUNCT
fbem-1043	349	26	2021	2021	NUM
fbem-1043	349	27	)	)	PUNCT
fbem-1043	349	28	.	.	PUNCT
fbem-1043	350	1	attitudes	attitude	NOUN
fbem-1043	350	2	and	and	CCONJ
fbem-1043	350	3	behaviors	behavior	NOUN
fbem-1043	350	4	of	of	ADP
fbem-1043	350	5	egyptians	egyptians	PROPN
fbem-1043	350	6	towards	towards	ADP
fbem-1043	350	7	e	e	NOUN
fbem-1043	350	8	-	-	NOUN
fbem-1043	350	9	payment	payment	NOUN
fbem-1043	350	10	services	service	NOUN
fbem-1043	350	11	.	.	PUNCT
fbem-1043	351	1	journal	journal	NOUN
fbem-1043	351	2	of	of	ADP
fbem-1043	351	3	organizational	organizational	ADJ
fbem-1043	351	4	psychology	psychology	NOUN
fbem-1043	351	5	,	,	PUNCT
fbem-1043	351	6	21(5	21(5	NUM
fbem-1043	351	7	)	)	PUNCT
fbem-1043	351	8	,	,	PUNCT
fbem-1043	351	9	51	51	NUM
fbem-1043	351	10	-	-	SYM
fbem-1043	351	11	65	65	NUM
fbem-1043	351	12	.	.	PUNCT
fbem-1043	352	1	[	[	X
fbem-1043	352	2	12	12	NUM
fbem-1043	352	3	]	]	X
fbem-1043	352	4	cochran	cochran	NOUN
fbem-1043	352	5	,	,	PUNCT
fbem-1043	352	6	w.	w.	PROPN
fbem-1043	352	7	g.	g.	PROPN
fbem-1043	352	8	(	(	PUNCT
fbem-1043	352	9	1953	1953	NUM
fbem-1043	352	10	)	)	PUNCT
fbem-1043	352	11	.	.	PUNCT
fbem-1043	353	1	sampling	sample	VERB
fbem-1043	353	2	techniques	technique	NOUN
fbem-1043	353	3	.	.	PUNCT
fbem-1043	354	1	oxford	oxford	PROPN
fbem-1043	354	2	,	,	PUNCT
fbem-1043	354	3	england	england	PROPN
fbem-1043	354	4	:	:	PUNCT
fbem-1043	354	5	john	john	PROPN
fbem-1043	354	6	wiley	wiley	PROPN
fbem-1043	354	7	.	.	PUNCT
fbem-1043	355	1	[	[	X
fbem-1043	355	2	13	13	NUM
fbem-1043	355	3	]	]	PUNCT
fbem-1043	355	4	embalzado	embalzado	NOUN
fbem-1043	355	5	,	,	PUNCT
fbem-1043	355	6	h.	h.	PROPN
fbem-1043	355	7	,	,	PUNCT
fbem-1043	355	8	zhu	zhu	PROPN
fbem-1043	355	9	,	,	PUNCT
fbem-1043	355	10	b.	b.	PROPN
fbem-1043	355	11	,	,	PUNCT
fbem-1043	355	12	&	&	CCONJ
fbem-1043	355	13	charoennan	charoennan	PROPN
fbem-1043	355	14	,	,	PUNCT
fbem-1043	355	15	w.	w.	NOUN
fbem-1043	355	16	(	(	PUNCT
fbem-1043	355	17	2019	2019	NUM
fbem-1043	355	18	)	)	PUNCT
fbem-1043	355	19	.	.	PUNCT
fbem-1043	356	1	consumers	consumer	NOUN
fbem-1043	356	2	’	’	PART
fbem-1043	356	3	understanding	understanding	NOUN
fbem-1043	356	4	on	on	ADP
fbem-1043	356	5	cashless	cashless	NOUN
fbem-1043	356	6	payment	payment	NOUN
fbem-1043	356	7	:	:	PUNCT
fbem-1043	356	8	a	a	DET
fbem-1043	356	9	qualitative	qualitative	ADJ
fbem-1043	356	10	study	study	NOUN
fbem-1043	356	11	in	in	ADP
fbem-1043	356	12	bangkok	bangkok	PROPN
fbem-1043	356	13	.	.	PUNCT
fbem-1043	357	1	bangkok	bangkok	PROPN
fbem-1043	357	2	:	:	PUNCT
fbem-1043	357	3	1st	1st	PROPN
fbem-1043	357	4	icbe	icbe	PROPN
fbem-1043	357	5	.	.	PUNCT
fbem-1043	358	1	[	[	X
fbem-1043	358	2	14	14	NUM
fbem-1043	358	3	]	]	X
fbem-1043	358	4	fatonah	fatonah	PROPN
fbem-1043	358	5	,	,	PUNCT
fbem-1043	358	6	s.	s.	PROPN
fbem-1043	358	7	,	,	PUNCT
fbem-1043	358	8	yulandari	yulandari	NOUN
fbem-1043	358	9	,	,	PUNCT
fbem-1043	358	10	a.	a.	NOUN
fbem-1043	358	11	,	,	PUNCT
fbem-1043	358	12	&	&	CCONJ
fbem-1043	358	13	wibowo	wibowo	PROPN
fbem-1043	358	14	,	,	PUNCT
fbem-1043	358	15	f.	f.	PROPN
fbem-1043	358	16	w.	w.	PROPN
fbem-1043	358	17	(	(	PUNCT
fbem-1043	358	18	2018	2018	NUM
fbem-1043	358	19	,	,	PUNCT
fbem-1043	358	20	december	december	PROPN
fbem-1043	358	21	)	)	PUNCT
fbem-1043	358	22	.	.	PUNCT
fbem-1043	359	1	a	a	DET
fbem-1043	359	2	review	review	NOUN
fbem-1043	359	3	of	of	ADP
fbem-1043	359	4	e	e	NOUN
fbem-1043	359	5	-	-	NOUN
fbem-1043	359	6	payment	payment	NOUN
fbem-1043	359	7	system	system	NOUN
fbem-1043	359	8	in	in	ADP
fbem-1043	359	9	e	e	NOUN
fbem-1043	359	10	-	-	NOUN
fbem-1043	359	11	commerce	commerce	NOUN
fbem-1043	359	12	.	.	PUNCT
fbem-1043	360	1	in	in	ADP
fbem-1043	360	2	journal	journal	PROPN
fbem-1043	360	3	of	of	ADP
fbem-1043	360	4	physics	physics	PROPN
fbem-1043	360	5	:	:	PUNCT
fbem-1043	360	6	conference	conference	NOUN
fbem-1043	360	7	series	series	NOUN
fbem-1043	360	8	(	(	PUNCT
fbem-1043	360	9	vol	vol	NOUN
fbem-1043	360	10	.	.	PROPN
fbem-1043	360	11	1140	1140	NUM
fbem-1043	360	12	,	,	PUNCT
fbem-1043	360	13	no	no	INTJ
fbem-1043	360	14	.	.	NOUN
fbem-1043	360	15	1	1	NUM
fbem-1043	360	16	,	,	PUNCT
fbem-1043	360	17	p.	p.	NOUN
fbem-1043	360	18	012033	012033	NUM
fbem-1043	360	19	)	)	PUNCT
fbem-1043	360	20	.	.	PUNCT
fbem-1043	361	1	iop	iop	NOUN
fbem-1043	361	2	publishing	publishing	NOUN
fbem-1043	361	3	.	.	PUNCT
fbem-1043	362	1	[	[	X
fbem-1043	362	2	15	15	NUM
fbem-1043	362	3	]	]	X
fbem-1043	362	4	garrouch	garrouch	ADJ
fbem-1043	362	5	,	,	PUNCT
fbem-1043	362	6	k.	k.	PROPN
fbem-1043	362	7	f.	f.	PROPN
fbem-1043	362	8	(	(	PUNCT
fbem-1043	362	9	2021	2021	NUM
fbem-1043	362	10	)	)	PUNCT
fbem-1043	362	11	.	.	PUNCT
fbem-1043	363	1	explaining	explain	VERB
fbem-1043	363	2	the	the	DET
fbem-1043	363	3	comparative	comparative	ADJ
fbem-1043	363	4	perception	perception	NOUN
fbem-1043	363	5	of	of	ADP
fbem-1043	363	6	e	e	NOUN
fbem-1043	363	7	-	-	NOUN
fbem-1043	363	8	payment	payment	NOUN
fbem-1043	363	9	:	:	PUNCT
fbem-1043	363	10	role	role	NOUN
fbem-1043	363	11	of	of	ADP
fbem-1043	363	12	e	e	NOUN
fbem-1043	363	13	-	-	ADJ
fbem-1043	363	14	shopping	shopping	ADJ
fbem-1043	363	15	value	value	NOUN
fbem-1043	363	16	,	,	PUNCT
fbem-1043	363	17	e	e	NOUN
fbem-1043	363	18	-	-	NOUN
fbem-1043	363	19	payment	payment	NOUN
fbem-1043	363	20	benefits	benefit	NOUN
fbem-1043	363	21	and	and	CCONJ
fbem-1043	363	22	islamic	islamic	ADJ
fbem-1043	363	23	compliance	compliance	NOUN
fbem-1043	363	24	.	.	PUNCT
fbem-1043	364	1	journal	journal	PROPN
fbem-1043	364	2	of	of	ADP
fbem-1043	364	3	islamic	islamic	ADJ
fbem-1043	364	4	marketing	marketing	NOUN
fbem-1043	364	5	.	.	PUNCT
fbem-1043	365	1	[	[	X
fbem-1043	365	2	16	16	NUM
fbem-1043	365	3	]	]	X
fbem-1043	365	4	gholami	gholami	PROPN
fbem-1043	365	5	,	,	PUNCT
fbem-1043	365	6	r.	r.	PROPN
fbem-1043	365	7	,	,	PUNCT
fbem-1043	365	8	ogun	ogun	PROPN
fbem-1043	365	9	,	,	PUNCT
fbem-1043	365	10	a.	a.	PROPN
fbem-1043	365	11	,	,	PUNCT
fbem-1043	365	12	koh	koh	PROPN
fbem-1043	365	13	,	,	PUNCT
fbem-1043	365	14	e.	e.	PROPN
fbem-1043	365	15	,	,	PUNCT
fbem-1043	365	16	&	&	CCONJ
fbem-1043	365	17	lim	lim	PROPN
fbem-1043	365	18	,	,	PUNCT
fbem-1043	365	19	j.	j.	PROPN
fbem-1043	365	20	(	(	PUNCT
fbem-1043	365	21	2010	2010	NUM
fbem-1043	365	22	)	)	PUNCT
fbem-1043	365	23	.	.	PUNCT
fbem-1043	366	1	factors	factor	NOUN
fbem-1043	366	2	affecting	affect	VERB
fbem-1043	366	3	e	e	NOUN
fbem-1043	366	4	-	-	NOUN
fbem-1043	366	5	payment	payment	ADJ
fbem-1043	366	6	adoption	adoption	NOUN
fbem-1043	366	7	in	in	ADP
fbem-1043	366	8	nigeria	nigeria	PROPN
fbem-1043	366	9	.	.	PUNCT
fbem-1043	367	1	journal	journal	PROPN
fbem-1043	367	2	of	of	ADP
fbem-1043	367	3	electronic	electronic	ADJ
fbem-1043	367	4	commerce	commerce	NOUN
fbem-1043	367	5	in	in	ADP
fbem-1043	367	6	organizations	organization	NOUN
fbem-1043	367	7	(	(	PUNCT
fbem-1043	367	8	jeco	jeco	PROPN
fbem-1043	367	9	)	)	PUNCT
fbem-1043	367	10	,	,	PUNCT
fbem-1043	367	11	8(4	8(4	NUM
fbem-1043	367	12	)	)	PUNCT
fbem-1043	367	13	,	,	PUNCT
fbem-1043	367	14	51	51	NUM
fbem-1043	367	15	-	-	SYM
fbem-1043	367	16	67	67	NUM
fbem-1043	367	17	.	.	PUNCT
fbem-1043	368	1	[	[	X
fbem-1043	368	2	17	17	NUM
fbem-1043	368	3	]	]	X
fbem-1043	368	4	harris	harris	PROPN
fbem-1043	368	5	,	,	PUNCT
fbem-1043	368	6	h.	h.	PROPN
fbem-1043	368	7	,	,	PUNCT
fbem-1043	368	8	guru	guru	NOUN
fbem-1043	368	9	,	,	PUNCT
fbem-1043	368	10	b.	b.	PROPN
fbem-1043	368	11	k.	k.	PROPN
fbem-1043	368	12	,	,	PUNCT
fbem-1043	368	13	&	&	CCONJ
fbem-1043	368	14	avvari	avvari	ADJ
fbem-1043	368	15	,	,	PUNCT
fbem-1043	368	16	m.	m.	NOUN
fbem-1043	368	17	v.	v.	PROPN
fbem-1043	368	18	(	(	PUNCT
fbem-1043	368	19	2011	2011	NUM
fbem-1043	368	20	)	)	PUNCT
fbem-1043	368	21	.	.	PUNCT
fbem-1043	369	1	evidence	evidence	NOUN
fbem-1043	369	2	of	of	ADP
fbem-1043	369	3	firms	firm	NOUN
fbem-1043	369	4	'	'	PART
fbem-1043	369	5	perceptions	perception	NOUN
fbem-1043	369	6	toward	toward	ADP
fbem-1043	369	7	electronic	electronic	ADJ
fbem-1043	369	8	payment	payment	NOUN
fbem-1043	369	9	systems	system	NOUN
fbem-1043	369	10	(	(	PUNCT
fbem-1043	369	11	eps	eps	PROPN
fbem-1043	369	12	)	)	PUNCT
fbem-1043	369	13	in	in	ADP
fbem-1043	369	14	malaysia	malaysia	PROPN
fbem-1043	369	15	.	.	PUNCT
fbem-1043	370	1	international	international	ADJ
fbem-1043	370	2	journal	journal	PROPN
fbem-1043	370	3	of	of	ADP
fbem-1043	370	4	business	business	NOUN
fbem-1043	370	5	and	and	CCONJ
fbem-1043	370	6	information	information	NOUN
fbem-1043	370	7	,	,	PUNCT
fbem-1043	370	8	6(2	6(2	NUM
fbem-1043	370	9	)	)	PUNCT
fbem-1043	370	10	,	,	PUNCT
fbem-1043	370	11	226	226	NUM
fbem-1043	370	12	.	.	PUNCT
fbem-1043	371	1	[	[	X
fbem-1043	371	2	18	18	NUM
fbem-1043	371	3	]	]	X
fbem-1043	371	4	hoehle	hoehle	NOUN
fbem-1043	371	5	,	,	PUNCT
fbem-1043	371	6	h.	h.	PROPN
fbem-1043	371	7	,	,	PUNCT
fbem-1043	371	8	scornavacca	scornavacca	PROPN
fbem-1043	371	9	,	,	PUNCT
fbem-1043	371	10	e.	e.	PROPN
fbem-1043	371	11	,	,	PUNCT
fbem-1043	371	12	&	&	CCONJ
fbem-1043	371	13	huff	huff	PROPN
fbem-1043	371	14	,	,	PUNCT
fbem-1043	371	15	s.	s.	PROPN
fbem-1043	371	16	(	(	PUNCT
fbem-1043	371	17	2012	2012	NUM
fbem-1043	371	18	)	)	PUNCT
fbem-1043	371	19	.	.	PUNCT
fbem-1043	372	1	three	three	NUM
fbem-1043	372	2	decades	decade	NOUN
fbem-1043	372	3	of	of	ADP
fbem-1043	372	4	research	research	NOUN
fbem-1043	372	5	on	on	ADP
fbem-1043	372	6	consumer	consumer	NOUN
fbem-1043	372	7	adoption	adoption	NOUN
fbem-1043	372	8	and	and	CCONJ
fbem-1043	372	9	utilization	utilization	NOUN
fbem-1043	372	10	of	of	ADP
fbem-1043	372	11	electronic	electronic	ADJ
fbem-1043	372	12	banking	banking	NOUN
fbem-1043	372	13	channels	channel	NOUN
fbem-1043	372	14	:	:	PUNCT
fbem-1043	372	15	a	a	DET
fbem-1043	372	16	literature	literature	NOUN
fbem-1043	372	17	analysis	analysis	NOUN
fbem-1043	372	18	.	.	PUNCT
fbem-1043	373	1	decision	decision	NOUN
fbem-1043	373	2	support	support	NOUN
fbem-1043	373	3	systems	system	NOUN
fbem-1043	373	4	,	,	PUNCT
fbem-1043	373	5	54(1	54(1	NUM
fbem-1043	373	6	)	)	PUNCT
fbem-1043	373	7	,	,	PUNCT
fbem-1043	373	8	122	122	NUM
fbem-1043	373	9	-	-	SYM
fbem-1043	373	10	132	132	NUM
fbem-1043	373	11	.	.	PUNCT
fbem-1043	374	1	[	[	X
fbem-1043	374	2	19	19	NUM
fbem-1043	374	3	]	]	X
fbem-1043	374	4	johar	johar	PROPN
fbem-1043	374	5	,	,	PUNCT
fbem-1043	374	6	m.	m.	NOUN
fbem-1043	374	7	g.	g.	PROPN
fbem-1043	374	8	m.	m.	PROPN
fbem-1043	374	9	,	,	PUNCT
fbem-1043	374	10	&	&	CCONJ
fbem-1043	374	11	awalluddin	awalluddin	PROPN
fbem-1043	374	12	,	,	PUNCT
fbem-1043	374	13	j.	j.	PROPN
fbem-1043	374	14	a.	a.	PROPN
fbem-1043	374	15	a.	a.	PROPN
fbem-1043	374	16	(	(	PUNCT
fbem-1043	374	17	2011	2011	NUM
fbem-1043	374	18	)	)	PUNCT
fbem-1043	374	19	.	.	PUNCT
fbem-1043	375	1	the	the	DET
fbem-1043	375	2	role	role	NOUN
fbem-1043	375	3	of	of	ADP
fbem-1043	375	4	technology	technology	NOUN
fbem-1043	375	5	acceptance	acceptance	NOUN
fbem-1043	375	6	model	model	NOUN
fbem-1043	375	7	in	in	ADP
fbem-1043	375	8	explaining	explain	VERB
fbem-1043	375	9	effect	effect	NOUN
fbem-1043	375	10	on	on	ADP
fbem-1043	375	11	ecommerce	ecommerce	NOUN
fbem-1043	375	12	application	application	NOUN
fbem-1043	375	13	system	system	NOUN
fbem-1043	375	14	.	.	PUNCT
fbem-1043	376	1	international	international	ADJ
fbem-1043	376	2	journal	journal	NOUN
fbem-1043	376	3	of	of	ADP
fbem-1043	376	4	managing	manage	VERB
fbem-1043	376	5	information	information	NOUN
fbem-1043	376	6	technology	technology	NOUN
fbem-1043	376	7	,	,	PUNCT
fbem-1043	376	8	3(3	3(3	NUM
fbem-1043	376	9	)	)	PUNCT
fbem-1043	376	10	,	,	PUNCT
fbem-1043	376	11	1	1	NUM
fbem-1043	376	12	-	-	SYM
fbem-1043	376	13	14	14	NUM
fbem-1043	376	14	.	.	PUNCT
fbem-1043	377	1	[	[	X
fbem-1043	377	2	20	20	NUM
fbem-1043	377	3	]	]	X
fbem-1043	377	4	junadi	junadi	NOUN
fbem-1043	377	5	s	s	X
fbem-1043	377	6	(	(	PUNCT
fbem-1043	377	7	2015	2015	NUM
fbem-1043	377	8	)	)	PUNCT
fbem-1043	377	9	a	a	DET
fbem-1043	377	10	model	model	NOUN
fbem-1043	377	11	of	of	ADP
fbem-1043	377	12	factors	factor	NOUN
fbem-1043	377	13	influencing	influence	VERB
fbem-1043	377	14	consumer	consumer	NOUN
fbem-1043	377	15	’s	’s	PART
fbem-1043	377	16	intention	intention	NOUN
fbem-1043	377	17	to	to	PART
fbem-1043	377	18	use	use	VERB
fbem-1043	377	19	e	e	NOUN
fbem-1043	377	20	-	-	NOUN
fbem-1043	377	21	payment	payment	NOUN
fbem-1043	377	22	system	system	NOUN
fbem-1043	377	23	in	in	ADP
fbem-1043	377	24	indonesia	indonesia	PROPN
fbem-1043	377	25	.	.	PUNCT
fbem-1043	378	1	proc	proc	PROPN
fbem-1043	378	2	comput	comput	NOUN
fbem-1043	378	3	sci	sci	PROPN
fbem-1043	378	4	59:214–220	59:214–220	PROPN
fbem-1043	378	5	.	.	PUNCT