id	sid	tid	token	lemma	pos
fbem-23714	1	1	frontiers	frontier	NOUN
fbem-23714	1	2	in	in	ADP
fbem-23714	1	3	business	business	NOUN
fbem-23714	1	4	,	,	PUNCT
fbem-23714	1	5	economics	economic	NOUN
fbem-23714	1	6	and	and	CCONJ
fbem-23714	1	7	management	management	NOUN
fbem-23714	1	8	issn	issn	PROPN
fbem-23714	1	9	:	:	PUNCT
fbem-23714	1	10	2766	2766	NUM
fbem-23714	1	11	-	-	PUNCT
fbem-23714	1	12	824x	824x	NUM
fbem-23714	1	13	|	|	ADJ
fbem-23714	1	14	vol	vol	NOUN
fbem-23714	1	15	.	.	PROPN
fbem-23714	1	16	15	15	NUM
fbem-23714	1	17	,	,	PUNCT
fbem-23714	1	18	no	no	INTJ
fbem-23714	1	19	.	.	NOUN
fbem-23714	1	20	3	3	NUM
fbem-23714	1	21	,	,	PUNCT
fbem-23714	1	22	2024	2024	NUM
fbem-23714	1	23	356	356	NUM
fbem-23714	1	24	the	the	DET
fbem-23714	1	25	impact	impact	NOUN
fbem-23714	1	26	of	of	ADP
fbem-23714	1	27	digital	digital	ADJ
fbem-23714	1	28	banking	banking	NOUN
fbem-23714	1	29	services	service	NOUN
fbem-23714	1	30	on	on	ADP
fbem-23714	1	31	customer	customer	NOUN
fbem-23714	1	32	satisfaction	satisfaction	PROPN
fbem-23714	1	33	hongyang	hongyang	PROPN
fbem-23714	1	34	chu	chu	PROPN
fbem-23714	1	35	a	a	X
fbem-23714	1	36	,	,	PUNCT
fbem-23714	1	37	*	*	PROPN
fbem-23714	1	38	,	,	PUNCT
fbem-23714	1	39	xuegang	xuegang	PROPN
fbem-23714	1	40	zhan	zhan	PROPN
fbem-23714	1	41	b	b	PROPN
fbem-23714	1	42	rattanakosin	rattanakosin	PROPN
fbem-23714	1	43	international	international	PROPN
fbem-23714	1	44	college	college	PROPN
fbem-23714	1	45	of	of	ADP
fbem-23714	1	46	creative	creative	ADJ
fbem-23714	1	47	entrepreneurship	entrepreneurship	NOUN
fbem-23714	1	48	,	,	PUNCT
fbem-23714	1	49	rajamangala	rajamangala	PROPN
fbem-23714	1	50	university	university	PROPN
fbem-23714	1	51	of	of	ADP
fbem-23714	1	52	technology	technology	NOUN
fbem-23714	1	53	rattanakosin	rattanakosin	NOUN
fbem-23714	1	54	,	,	PUNCT
fbem-23714	1	55	nakhon	nakhon	PROPN
fbem-23714	1	56	pathom	pathom	PROPN
fbem-23714	1	57	73170	73170	NUM
fbem-23714	1	58	,	,	PUNCT
fbem-23714	1	59	thailand	thailand	PROPN
fbem-23714	1	60	a1335960630@qq.com	a1335960630@qq.com	PROPN
fbem-23714	1	61	,	,	PUNCT
fbem-23714	1	62	blilisan666@ctbu.edu.cn	blilisan666@ctbu.edu.cn	X
fbem-23714	1	63	abstract	abstract	NOUN
fbem-23714	1	64	:	:	PUNCT
fbem-23714	1	65	with	with	ADP
fbem-23714	1	66	the	the	DET
fbem-23714	1	67	rapid	rapid	ADJ
fbem-23714	1	68	development	development	NOUN
fbem-23714	1	69	of	of	ADP
fbem-23714	1	70	information	information	NOUN
fbem-23714	1	71	technology	technology	NOUN
fbem-23714	1	72	,	,	PUNCT
fbem-23714	1	73	the	the	DET
fbem-23714	1	74	banking	banking	NOUN
fbem-23714	1	75	industry	industry	NOUN
fbem-23714	1	76	is	be	AUX
fbem-23714	1	77	accelerating	accelerate	VERB
fbem-23714	1	78	digital	digital	ADJ
fbem-23714	1	79	transformation	transformation	NOUN
fbem-23714	1	80	,	,	PUNCT
fbem-23714	1	81	changing	change	VERB
fbem-23714	1	82	customer	customer	NOUN
fbem-23714	1	83	experience	experience	NOUN
fbem-23714	1	84	and	and	CCONJ
fbem-23714	1	85	reshaping	reshape	VERB
fbem-23714	1	86	the	the	DET
fbem-23714	1	87	competitive	competitive	ADJ
fbem-23714	1	88	landscape	landscape	NOUN
fbem-23714	1	89	.	.	PUNCT
fbem-23714	2	1	this	this	DET
fbem-23714	2	2	article	article	NOUN
fbem-23714	2	3	explores	explore	VERB
fbem-23714	2	4	the	the	DET
fbem-23714	2	5	impact	impact	NOUN
fbem-23714	2	6	of	of	ADP
fbem-23714	2	7	digital	digital	ADJ
fbem-23714	2	8	banking	banking	NOUN
fbem-23714	2	9	services	service	NOUN
fbem-23714	2	10	on	on	ADP
fbem-23714	2	11	customer	customer	NOUN
fbem-23714	2	12	satisfaction	satisfaction	NOUN
fbem-23714	2	13	,	,	PUNCT
fbem-23714	2	14	focusing	focus	VERB
fbem-23714	2	15	on	on	ADP
fbem-23714	2	16	the	the	DET
fbem-23714	2	17	three	three	NUM
fbem-23714	2	18	core	core	NOUN
fbem-23714	2	19	dimensions	dimension	NOUN
fbem-23714	2	20	of	of	ADP
fbem-23714	2	21	convenience	convenience	NOUN
fbem-23714	2	22	,	,	PUNCT
fbem-23714	2	23	security	security	NOUN
fbem-23714	2	24	and	and	CCONJ
fbem-23714	2	25	personalization	personalization	NOUN
fbem-23714	2	26	.	.	PUNCT
fbem-23714	3	1	research	research	NOUN
fbem-23714	3	2	is	be	AUX
fbem-23714	3	3	conducted	conduct	VERB
fbem-23714	3	4	through	through	ADP
fbem-23714	3	5	questionnaires	questionnaire	NOUN
fbem-23714	3	6	and	and	CCONJ
fbem-23714	3	7	empirical	empirical	ADJ
fbem-23714	3	8	analysis	analysis	NOUN
fbem-23714	3	9	.	.	PUNCT
fbem-23714	4	1	the	the	DET
fbem-23714	4	2	study	study	NOUN
fbem-23714	4	3	found	find	VERB
fbem-23714	4	4	that	that	SCONJ
fbem-23714	4	5	the	the	DET
fbem-23714	4	6	convenience	convenience	NOUN
fbem-23714	4	7	,	,	PUNCT
fbem-23714	4	8	security	security	NOUN
fbem-23714	4	9	and	and	CCONJ
fbem-23714	4	10	personalization	personalization	NOUN
fbem-23714	4	11	of	of	ADP
fbem-23714	4	12	digital	digital	ADJ
fbem-23714	4	13	banking	banking	NOUN
fbem-23714	4	14	services	service	NOUN
fbem-23714	4	15	have	have	VERB
fbem-23714	4	16	a	a	DET
fbem-23714	4	17	significant	significant	ADJ
fbem-23714	4	18	positive	positive	ADJ
fbem-23714	4	19	impact	impact	NOUN
fbem-23714	4	20	on	on	ADP
fbem-23714	4	21	customer	customer	NOUN
fbem-23714	4	22	satisfaction	satisfaction	NOUN
fbem-23714	4	23	.	.	PUNCT
fbem-23714	5	1	through	through	ADP
fbem-23714	5	2	an	an	DET
fbem-23714	5	3	in	in	ADP
fbem-23714	5	4	-	-	PUNCT
fbem-23714	5	5	depth	depth	NOUN
fbem-23714	5	6	analysis	analysis	NOUN
fbem-23714	5	7	of	of	ADP
fbem-23714	5	8	these	these	DET
fbem-23714	5	9	service	service	NOUN
fbem-23714	5	10	characteristics	characteristic	NOUN
fbem-23714	5	11	,	,	PUNCT
fbem-23714	5	12	this	this	DET
fbem-23714	5	13	article	article	NOUN
fbem-23714	5	14	puts	put	VERB
fbem-23714	5	15	forward	forward	ADV
fbem-23714	5	16	strategic	strategic	ADJ
fbem-23714	5	17	recommendations	recommendation	NOUN
fbem-23714	5	18	to	to	PART
fbem-23714	5	19	improve	improve	VERB
fbem-23714	5	20	customer	customer	NOUN
fbem-23714	5	21	satisfaction	satisfaction	NOUN
fbem-23714	5	22	,	,	PUNCT
fbem-23714	5	23	aiming	aim	VERB
fbem-23714	5	24	to	to	PART
fbem-23714	5	25	help	help	VERB
fbem-23714	5	26	banks	bank	NOUN
fbem-23714	5	27	remain	remain	VERB
fbem-23714	5	28	competitive	competitive	ADJ
fbem-23714	5	29	and	and	CCONJ
fbem-23714	5	30	achieve	achieve	VERB
fbem-23714	5	31	sustainable	sustainable	ADJ
fbem-23714	5	32	development	development	NOUN
fbem-23714	5	33	in	in	ADP
fbem-23714	5	34	digital	digital	ADJ
fbem-23714	5	35	transformation	transformation	NOUN
fbem-23714	5	36	.	.	PUNCT
fbem-23714	6	1	the	the	DET
fbem-23714	6	2	research	research	NOUN
fbem-23714	6	3	results	result	NOUN
fbem-23714	6	4	provide	provide	VERB
fbem-23714	6	5	empirical	empirical	ADJ
fbem-23714	6	6	support	support	NOUN
fbem-23714	6	7	for	for	ADP
fbem-23714	6	8	the	the	DET
fbem-23714	6	9	banking	banking	NOUN
fbem-23714	6	10	industry	industry	NOUN
fbem-23714	6	11	,	,	PUNCT
fbem-23714	6	12	emphasize	emphasize	VERB
fbem-23714	6	13	the	the	DET
fbem-23714	6	14	importance	importance	NOUN
fbem-23714	6	15	of	of	ADP
fbem-23714	6	16	service	service	NOUN
fbem-23714	6	17	quality	quality	NOUN
fbem-23714	6	18	improvement	improvement	NOUN
fbem-23714	6	19	and	and	CCONJ
fbem-23714	6	20	innovation	innovation	NOUN
fbem-23714	6	21	,	,	PUNCT
fbem-23714	6	22	and	and	CCONJ
fbem-23714	6	23	provide	provide	VERB
fbem-23714	6	24	a	a	DET
fbem-23714	6	25	reference	reference	NOUN
fbem-23714	6	26	for	for	ADP
fbem-23714	6	27	banks	bank	NOUN
fbem-23714	6	28	'	'	PART
fbem-23714	6	29	market	market	NOUN
fbem-23714	6	30	positioning	positioning	NOUN
fbem-23714	6	31	and	and	CCONJ
fbem-23714	6	32	service	service	NOUN
fbem-23714	6	33	optimization	optimization	NOUN
fbem-23714	6	34	in	in	ADP
fbem-23714	6	35	the	the	DET
fbem-23714	6	36	digital	digital	ADJ
fbem-23714	6	37	era	era	NOUN
fbem-23714	6	38	.	.	PUNCT
fbem-23714	7	1	keywords	keyword	NOUN
fbem-23714	7	2	:	:	PUNCT
fbem-23714	7	3	digital	digital	ADJ
fbem-23714	7	4	banking	banking	NOUN
fbem-23714	7	5	services	service	NOUN
fbem-23714	7	6	,	,	PUNCT
fbem-23714	7	7	customer	customer	NOUN
fbem-23714	7	8	satisfaction	satisfaction	NOUN
fbem-23714	7	9	,	,	PUNCT
fbem-23714	7	10	service	service	NOUN
fbem-23714	7	11	quality	quality	NOUN
fbem-23714	7	12	.	.	PUNCT
fbem-23714	8	1	1	1	X
fbem-23714	8	2	.	.	X
fbem-23714	8	3	introduction	introduction	NOUN
fbem-23714	8	4	with	with	ADP
fbem-23714	8	5	the	the	DET
fbem-23714	8	6	advancement	advancement	NOUN
fbem-23714	8	7	of	of	ADP
fbem-23714	8	8	technology	technology	NOUN
fbem-23714	8	9	,	,	PUNCT
fbem-23714	8	10	digital	digital	ADJ
fbem-23714	8	11	transformation	transformation	NOUN
fbem-23714	8	12	of	of	ADP
fbem-23714	8	13	banking	banking	NOUN
fbem-23714	8	14	business	business	NOUN
fbem-23714	8	15	has	have	AUX
fbem-23714	8	16	become	become	VERB
fbem-23714	8	17	a	a	DET
fbem-23714	8	18	major	major	ADJ
fbem-23714	8	19	development	development	NOUN
fbem-23714	8	20	trend	trend	NOUN
fbem-23714	8	21	in	in	ADP
fbem-23714	8	22	the	the	DET
fbem-23714	8	23	global	global	ADJ
fbem-23714	8	24	banking	banking	NOUN
fbem-23714	8	25	industry	industry	NOUN
fbem-23714	8	26	.	.	PUNCT
fbem-23714	9	1	digital	digital	ADJ
fbem-23714	9	2	banking	banking	NOUN
fbem-23714	9	3	services	service	NOUN
fbem-23714	9	4	,	,	PUNCT
fbem-23714	9	5	including	include	VERB
fbem-23714	9	6	online	online	ADJ
fbem-23714	9	7	banking	banking	NOUN
fbem-23714	9	8	transactions	transaction	NOUN
fbem-23714	9	9	,	,	PUNCT
fbem-23714	9	10	mobile	mobile	ADJ
fbem-23714	9	11	applications	application	NOUN
fbem-23714	9	12	,	,	PUNCT
fbem-23714	9	13	self	self	NOUN
fbem-23714	9	14	-	-	PUNCT
fbem-23714	9	15	service	service	NOUN
fbem-23714	9	16	terminals	terminal	NOUN
fbem-23714	9	17	,	,	PUNCT
fbem-23714	9	18	and	and	CCONJ
fbem-23714	9	19	artificial	artificial	ADJ
fbem-23714	9	20	intelligence	intelligence	NOUN
fbem-23714	9	21	customer	customer	NOUN
fbem-23714	9	22	services	service	NOUN
fbem-23714	9	23	,	,	PUNCT
fbem-23714	9	24	have	have	AUX
fbem-23714	9	25	not	not	PART
fbem-23714	9	26	only	only	ADV
fbem-23714	9	27	changed	change	VERB
fbem-23714	9	28	customers	customer	NOUN
fbem-23714	9	29	'	'	PART
fbem-23714	9	30	financial	financial	ADJ
fbem-23714	9	31	service	service	NOUN
fbem-23714	9	32	experience	experience	NOUN
fbem-23714	9	33	,	,	PUNCT
fbem-23714	9	34	but	but	CCONJ
fbem-23714	9	35	also	also	ADV
fbem-23714	9	36	have	have	VERB
fbem-23714	9	37	a	a	DET
fbem-23714	9	38	profound	profound	ADJ
fbem-23714	9	39	impact	impact	NOUN
fbem-23714	9	40	on	on	ADP
fbem-23714	9	41	the	the	DET
fbem-23714	9	42	competitive	competitive	ADJ
fbem-23714	9	43	landscape	landscape	NOUN
fbem-23714	9	44	of	of	ADP
fbem-23714	9	45	the	the	DET
fbem-23714	9	46	banking	banking	NOUN
fbem-23714	9	47	industry	industry	NOUN
fbem-23714	9	48	.	.	PUNCT
fbem-23714	10	1	customer	customer	NOUN
fbem-23714	10	2	satisfaction	satisfaction	NOUN
fbem-23714	10	3	is	be	AUX
fbem-23714	10	4	a	a	DET
fbem-23714	10	5	key	key	ADJ
fbem-23714	10	6	indicator	indicator	NOUN
fbem-23714	10	7	for	for	SCONJ
fbem-23714	10	8	banks	bank	NOUN
fbem-23714	10	9	to	to	PART
fbem-23714	10	10	maintain	maintain	VERB
fbem-23714	10	11	competitive	competitive	ADJ
fbem-23714	10	12	advantage	advantage	NOUN
fbem-23714	10	13	and	and	CCONJ
fbem-23714	10	14	sustainable	sustainable	ADJ
fbem-23714	10	15	development	development	NOUN
fbem-23714	10	16	.	.	PUNCT
fbem-23714	11	1	it	it	PRON
fbem-23714	11	2	not	not	PART
fbem-23714	11	3	only	only	ADV
fbem-23714	11	4	directly	directly	ADV
fbem-23714	11	5	affects	affect	VERB
fbem-23714	11	6	customer	customer	NOUN
fbem-23714	11	7	retention	retention	NOUN
fbem-23714	11	8	and	and	CCONJ
fbem-23714	11	9	recommendation	recommendation	NOUN
fbem-23714	11	10	behavior	behavior	NOUN
fbem-23714	11	11	,	,	PUNCT
fbem-23714	11	12	but	but	CCONJ
fbem-23714	11	13	also	also	ADV
fbem-23714	11	14	increases	increase	VERB
fbem-23714	11	15	the	the	DET
fbem-23714	11	16	likelihood	likelihood	NOUN
fbem-23714	11	17	of	of	ADP
fbem-23714	11	18	successful	successful	ADJ
fbem-23714	11	19	cross	cross	NOUN
fbem-23714	11	20	-	-	ADJ
fbem-23714	11	21	selling	sell	VERB
fbem-23714	11	22	and	and	CCONJ
fbem-23714	11	23	increases	increase	VERB
fbem-23714	11	24	customer	customer	NOUN
fbem-23714	11	25	lifetime	lifetime	NOUN
fbem-23714	11	26	value	value	NOUN
fbem-23714	11	27	.	.	PUNCT
fbem-23714	12	1	therefore	therefore	ADV
fbem-23714	12	2	,	,	PUNCT
fbem-23714	12	3	studying	study	VERB
fbem-23714	12	4	the	the	DET
fbem-23714	12	5	impact	impact	NOUN
fbem-23714	12	6	of	of	ADP
fbem-23714	12	7	digital	digital	ADJ
fbem-23714	12	8	banking	banking	NOUN
fbem-23714	12	9	services	service	NOUN
fbem-23714	12	10	on	on	ADP
fbem-23714	12	11	customer	customer	NOUN
fbem-23714	12	12	satisfaction	satisfaction	NOUN
fbem-23714	12	13	has	have	VERB
fbem-23714	12	14	important	important	ADJ
fbem-23714	12	15	practical	practical	ADJ
fbem-23714	12	16	significance	significance	NOUN
fbem-23714	12	17	.	.	PUNCT
fbem-23714	13	1	the	the	DET
fbem-23714	13	2	promotion	promotion	NOUN
fbem-23714	13	3	of	of	ADP
fbem-23714	13	4	digital	digital	ADJ
fbem-23714	13	5	banking	banking	NOUN
fbem-23714	13	6	services	service	NOUN
fbem-23714	13	7	has	have	AUX
fbem-23714	13	8	accelerated	accelerate	VERB
fbem-23714	13	9	significantly	significantly	ADV
fbem-23714	13	10	around	around	ADP
fbem-23714	13	11	the	the	DET
fbem-23714	13	12	world	world	NOUN
fbem-23714	13	13	.	.	PUNCT
fbem-23714	14	1	according	accord	VERB
fbem-23714	14	2	to	to	ADP
fbem-23714	14	3	reports	report	NOUN
fbem-23714	14	4	in	in	ADP
fbem-23714	14	5	2022	2022	NUM
fbem-23714	14	6	,	,	PUNCT
fbem-23714	14	7	more	more	ADJ
fbem-23714	14	8	than	than	ADP
fbem-23714	14	9	360	360	NUM
fbem-23714	14	10	million	million	NUM
fbem-23714	14	11	adults	adult	NOUN
fbem-23714	14	12	around	around	ADP
fbem-23714	14	13	the	the	DET
fbem-23714	14	14	world	world	NOUN
fbem-23714	14	15	have	have	AUX
fbem-23714	14	16	begun	begin	VERB
fbem-23714	14	17	to	to	PART
fbem-23714	14	18	use	use	VERB
fbem-23714	14	19	mobile	mobile	ADJ
fbem-23714	14	20	devices	device	NOUN
fbem-23714	14	21	or	or	CCONJ
fbem-23714	14	22	computers	computer	NOUN
fbem-23714	14	23	for	for	ADP
fbem-23714	14	24	online	online	ADJ
fbem-23714	14	25	banking	banking	NOUN
fbem-23714	14	26	services	service	NOUN
fbem-23714	14	27	,	,	PUNCT
fbem-23714	14	28	which	which	PRON
fbem-23714	14	29	shows	show	VERB
fbem-23714	14	30	that	that	SCONJ
fbem-23714	14	31	the	the	DET
fbem-23714	14	32	use	use	NOUN
fbem-23714	14	33	of	of	ADP
fbem-23714	14	34	digital	digital	ADJ
fbem-23714	14	35	banking	banking	NOUN
fbem-23714	14	36	services	service	NOUN
fbem-23714	14	37	is	be	AUX
fbem-23714	14	38	growing	grow	VERB
fbem-23714	14	39	.	.	PUNCT
fbem-23714	15	1	in	in	ADP
fbem-23714	15	2	addition	addition	NOUN
fbem-23714	15	3	,	,	PUNCT
fbem-23714	15	4	changes	change	NOUN
fbem-23714	15	5	in	in	ADP
fbem-23714	15	6	customer	customer	NOUN
fbem-23714	15	7	needs	need	NOUN
fbem-23714	15	8	,	,	PUNCT
fbem-23714	15	9	technological	technological	ADJ
fbem-23714	15	10	advancements	advancement	NOUN
fbem-23714	15	11	and	and	CCONJ
fbem-23714	15	12	pressure	pressure	NOUN
fbem-23714	15	13	from	from	ADP
fbem-23714	15	14	competitors	competitor	NOUN
fbem-23714	15	15	have	have	AUX
fbem-23714	15	16	also	also	ADV
fbem-23714	15	17	promoted	promote	VERB
fbem-23714	15	18	the	the	DET
fbem-23714	15	19	digital	digital	ADJ
fbem-23714	15	20	transformation	transformation	NOUN
fbem-23714	15	21	of	of	ADP
fbem-23714	15	22	traditional	traditional	ADJ
fbem-23714	15	23	banks	bank	NOUN
fbem-23714	15	24	.	.	PUNCT
fbem-23714	16	1	during	during	ADP
fbem-23714	16	2	the	the	DET
fbem-23714	16	3	epidemic	epidemic	NOUN
fbem-23714	16	4	,	,	PUNCT
fbem-23714	16	5	a	a	DET
fbem-23714	16	6	large	large	ADJ
fbem-23714	16	7	number	number	NOUN
fbem-23714	16	8	of	of	ADP
fbem-23714	16	9	customers	customer	NOUN
fbem-23714	16	10	began	begin	VERB
fbem-23714	16	11	to	to	PART
fbem-23714	16	12	turn	turn	VERB
fbem-23714	16	13	to	to	ADP
fbem-23714	16	14	online	online	ADJ
fbem-23714	16	15	and	and	CCONJ
fbem-23714	16	16	mobile	mobile	ADJ
fbem-23714	16	17	banking	banking	NOUN
fbem-23714	16	18	services	service	NOUN
fbem-23714	16	19	,	,	PUNCT
fbem-23714	16	20	and	and	CCONJ
fbem-23714	16	21	a	a	DET
fbem-23714	16	22	survey	survey	NOUN
fbem-23714	16	23	showed	show	VERB
fbem-23714	16	24	that	that	SCONJ
fbem-23714	16	25	more	more	ADJ
fbem-23714	16	26	than	than	ADP
fbem-23714	16	27	70	70	NUM
fbem-23714	16	28	%	%	NOUN
fbem-23714	16	29	of	of	ADP
fbem-23714	16	30	bank	bank	NOUN
fbem-23714	16	31	customers	customer	NOUN
fbem-23714	16	32	used	use	VERB
fbem-23714	16	33	digital	digital	ADJ
fbem-23714	16	34	channels	channel	NOUN
fbem-23714	16	35	more	more	ADV
fbem-23714	16	36	frequently	frequently	ADV
fbem-23714	16	37	for	for	ADP
fbem-23714	16	38	transactions	transaction	NOUN
fbem-23714	16	39	.	.	PUNCT
fbem-23714	17	1	at	at	ADP
fbem-23714	17	2	the	the	DET
fbem-23714	17	3	same	same	ADJ
fbem-23714	17	4	time	time	NOUN
fbem-23714	17	5	,	,	PUNCT
fbem-23714	17	6	the	the	DET
fbem-23714	17	7	introduction	introduction	NOUN
fbem-23714	17	8	of	of	ADP
fbem-23714	17	9	technologies	technology	NOUN
fbem-23714	17	10	such	such	ADJ
fbem-23714	17	11	as	as	ADP
fbem-23714	17	12	artificial	artificial	ADJ
fbem-23714	17	13	intelligence	intelligence	NOUN
fbem-23714	17	14	,	,	PUNCT
fbem-23714	17	15	big	big	ADJ
fbem-23714	17	16	data	datum	NOUN
fbem-23714	17	17	analysis	analysis	NOUN
fbem-23714	17	18	,	,	PUNCT
fbem-23714	17	19	blockchain	blockchain	NOUN
fbem-23714	17	20	and	and	CCONJ
fbem-23714	17	21	cloud	cloud	PROPN
fbem-23714	17	22	computing	computing	NOUN
fbem-23714	17	23	has	have	AUX
fbem-23714	17	24	promoted	promote	VERB
fbem-23714	17	25	the	the	DET
fbem-23714	17	26	digital	digital	ADJ
fbem-23714	17	27	transformation	transformation	NOUN
fbem-23714	17	28	of	of	ADP
fbem-23714	17	29	traditional	traditional	ADJ
fbem-23714	17	30	banks	bank	NOUN
fbem-23714	17	31	and	and	CCONJ
fbem-23714	17	32	created	create	VERB
fbem-23714	17	33	research	research	NOUN
fbem-23714	17	34	needs	need	NOUN
fbem-23714	17	35	for	for	ADP
fbem-23714	17	36	new	new	ADJ
fbem-23714	17	37	digital	digital	ADJ
fbem-23714	17	38	banking	banking	NOUN
fbem-23714	17	39	service	service	NOUN
fbem-23714	17	40	models	model	NOUN
fbem-23714	17	41	.	.	PUNCT
fbem-23714	18	1	fintech	fintech	NOUN
fbem-23714	18	2	companies	company	NOUN
fbem-23714	18	3	and	and	CCONJ
fbem-23714	18	4	large	large	ADJ
fbem-23714	18	5	technology	technology	NOUN
fbem-23714	18	6	companies	company	NOUN
fbem-23714	18	7	also	also	ADV
fbem-23714	18	8	provide	provide	VERB
fbem-23714	18	9	innovative	innovative	ADJ
fbem-23714	18	10	financial	financial	ADJ
fbem-23714	18	11	services	service	NOUN
fbem-23714	18	12	,	,	PUNCT
fbem-23714	18	13	posing	pose	VERB
fbem-23714	18	14	direct	direct	ADJ
fbem-23714	18	15	competition	competition	NOUN
fbem-23714	18	16	to	to	ADP
fbem-23714	18	17	traditional	traditional	ADJ
fbem-23714	18	18	banks	bank	NOUN
fbem-23714	18	19	,	,	PUNCT
fbem-23714	18	20	forcing	force	VERB
fbem-23714	18	21	banks	bank	NOUN
fbem-23714	18	22	to	to	PART
fbem-23714	18	23	pay	pay	VERB
fbem-23714	18	24	more	more	ADJ
fbem-23714	18	25	attention	attention	NOUN
fbem-23714	18	26	to	to	ADP
fbem-23714	18	27	the	the	DET
fbem-23714	18	28	digitalization	digitalization	NOUN
fbem-23714	18	29	of	of	ADP
fbem-23714	18	30	customer	customer	NOUN
fbem-23714	18	31	experience	experience	NOUN
fbem-23714	18	32	and	and	CCONJ
fbem-23714	18	33	services	service	NOUN
fbem-23714	18	34	to	to	PART
fbem-23714	18	35	remain	remain	VERB
fbem-23714	18	36	competitive	competitive	ADJ
fbem-23714	18	37	.	.	PUNCT
fbem-23714	19	1	the	the	DET
fbem-23714	19	2	above	above	ADJ
fbem-23714	19	3	data	datum	NOUN
fbem-23714	19	4	and	and	CCONJ
fbem-23714	19	5	trends	trend	NOUN
fbem-23714	19	6	show	show	VERB
fbem-23714	19	7	that	that	SCONJ
fbem-23714	19	8	with	with	ADP
fbem-23714	19	9	the	the	DET
fbem-23714	19	10	continuous	continuous	ADJ
fbem-23714	19	11	evolution	evolution	NOUN
fbem-23714	19	12	of	of	ADP
fbem-23714	19	13	digital	digital	ADJ
fbem-23714	19	14	technology	technology	NOUN
fbem-23714	19	15	and	and	CCONJ
fbem-23714	19	16	the	the	DET
fbem-23714	19	17	growing	grow	VERB
fbem-23714	19	18	needs	need	NOUN
fbem-23714	19	19	of	of	ADP
fbem-23714	19	20	customers	customer	NOUN
fbem-23714	19	21	,	,	PUNCT
fbem-23714	19	22	the	the	DET
fbem-23714	19	23	digital	digital	ADJ
fbem-23714	19	24	transformation	transformation	NOUN
fbem-23714	19	25	of	of	ADP
fbem-23714	19	26	banking	banking	NOUN
fbem-23714	19	27	business	business	NOUN
fbem-23714	19	28	has	have	AUX
fbem-23714	19	29	become	become	VERB
fbem-23714	19	30	an	an	DET
fbem-23714	19	31	irreversible	irreversible	ADJ
fbem-23714	19	32	trend	trend	NOUN
fbem-23714	19	33	.	.	PUNCT
fbem-23714	20	1	however	however	ADV
fbem-23714	20	2	,	,	PUNCT
fbem-23714	20	3	the	the	DET
fbem-23714	20	4	digital	digital	ADJ
fbem-23714	20	5	transformation	transformation	NOUN
fbem-23714	20	6	of	of	ADP
fbem-23714	20	7	banking	banking	NOUN
fbem-23714	20	8	business	business	NOUN
fbem-23714	20	9	is	be	AUX
fbem-23714	20	10	not	not	PART
fbem-23714	20	11	just	just	ADV
fbem-23714	20	12	a	a	DET
fbem-23714	20	13	change	change	NOUN
fbem-23714	20	14	in	in	ADP
fbem-23714	20	15	technology	technology	NOUN
fbem-23714	20	16	,	,	PUNCT
fbem-23714	20	17	but	but	CCONJ
fbem-23714	20	18	more	more	ADV
fbem-23714	20	19	importantly	importantly	ADV
fbem-23714	20	20	,	,	PUNCT
fbem-23714	20	21	its	its	PRON
fbem-23714	20	22	impact	impact	NOUN
fbem-23714	20	23	on	on	ADP
fbem-23714	20	24	customer	customer	NOUN
fbem-23714	20	25	satisfaction	satisfaction	NOUN
fbem-23714	20	26	.	.	PUNCT
fbem-23714	21	1	customer	customer	NOUN
fbem-23714	21	2	satisfaction	satisfaction	NOUN
fbem-23714	21	3	is	be	AUX
fbem-23714	21	4	directly	directly	ADV
fbem-23714	21	5	related	relate	VERB
fbem-23714	21	6	to	to	ADP
fbem-23714	21	7	a	a	DET
fbem-23714	21	8	bank	bank	NOUN
fbem-23714	21	9	's	's	PART
fbem-23714	21	10	customer	customer	NOUN
fbem-23714	21	11	loyalty	loyalty	NOUN
fbem-23714	21	12	and	and	CCONJ
fbem-23714	21	13	market	market	NOUN
fbem-23714	21	14	share	share	NOUN
fbem-23714	21	15	,	,	PUNCT
fbem-23714	21	16	and	and	CCONJ
fbem-23714	21	17	is	be	AUX
fbem-23714	21	18	one	one	NUM
fbem-23714	21	19	of	of	ADP
fbem-23714	21	20	the	the	DET
fbem-23714	21	21	key	key	ADJ
fbem-23714	21	22	indicators	indicator	NOUN
fbem-23714	21	23	of	of	ADP
fbem-23714	21	24	bank	bank	NOUN
fbem-23714	21	25	performance	performance	NOUN
fbem-23714	21	26	.	.	PUNCT
fbem-23714	22	1	therefore	therefore	ADV
fbem-23714	22	2	,	,	PUNCT
fbem-23714	22	3	studying	study	VERB
fbem-23714	22	4	the	the	DET
fbem-23714	22	5	relationship	relationship	NOUN
fbem-23714	22	6	between	between	ADP
fbem-23714	22	7	digital	digital	ADJ
fbem-23714	22	8	banking	banking	NOUN
fbem-23714	22	9	services	service	NOUN
fbem-23714	22	10	and	and	CCONJ
fbem-23714	22	11	customer	customer	NOUN
fbem-23714	22	12	satisfaction	satisfaction	NOUN
fbem-23714	22	13	can	can	AUX
fbem-23714	22	14	not	not	PART
fbem-23714	22	15	only	only	ADV
fbem-23714	22	16	help	help	VERB
fbem-23714	22	17	banks	bank	NOUN
fbem-23714	22	18	evaluate	evaluate	VERB
fbem-23714	22	19	current	current	ADJ
fbem-23714	22	20	service	service	NOUN
fbem-23714	22	21	performance	performance	NOUN
fbem-23714	22	22	,	,	PUNCT
fbem-23714	22	23	but	but	CCONJ
fbem-23714	22	24	also	also	ADV
fbem-23714	22	25	guide	guide	VERB
fbem-23714	22	26	banks	bank	NOUN
fbem-23714	22	27	'	'	PART
fbem-23714	22	28	future	future	ADJ
fbem-23714	22	29	service	service	NOUN
fbem-23714	22	30	improvement	improvement	NOUN
fbem-23714	22	31	and	and	CCONJ
fbem-23714	22	32	product	product	NOUN
fbem-23714	22	33	development	development	NOUN
fbem-23714	22	34	strategies	strategy	NOUN
fbem-23714	22	35	.	.	PUNCT
fbem-23714	23	1	2	2	X
fbem-23714	23	2	.	.	X
fbem-23714	23	3	related	relate	VERB
fbem-23714	23	4	literature	literature	NOUN
fbem-23714	23	5	2.1	2.1	NUM
fbem-23714	23	6	.	.	PUNCT
fbem-23714	24	1	current	current	ADJ
fbem-23714	24	2	research	research	NOUN
fbem-23714	24	3	status	status	NOUN
fbem-23714	24	4	at	at	ADP
fbem-23714	24	5	home	home	ADV
fbem-23714	24	6	and	and	CCONJ
fbem-23714	24	7	abroad	abroad	ADV
fbem-23714	24	8	2.1.1	2.1.1	NUM
fbem-23714	24	9	.	.	PUNCT
fbem-23714	25	1	research	research	NOUN
fbem-23714	25	2	related	relate	VERB
fbem-23714	25	3	to	to	PART
fbem-23714	25	4	satisfaction	satisfaction	VERB
fbem-23714	25	5	the	the	DET
fbem-23714	25	6	customer	customer	NOUN
fbem-23714	25	7	satisfaction	satisfaction	NOUN
fbem-23714	25	8	theory	theory	NOUN
fbem-23714	25	9	proposed	propose	VERB
fbem-23714	25	10	by	by	ADP
fbem-23714	25	11	cardozo	cardozo	PROPN
fbem-23714	25	12	(	(	PUNCT
fbem-23714	25	13	1965	1965	NUM
fbem-23714	25	14	)	)	PUNCT
fbem-23714	25	15	is	be	AUX
fbem-23714	25	16	mainly	mainly	ADV
fbem-23714	25	17	used	use	VERB
fbem-23714	25	18	in	in	ADP
fbem-23714	25	19	marketing	marketing	NOUN
fbem-23714	25	20	and	and	CCONJ
fbem-23714	25	21	business	business	NOUN
fbem-23714	25	22	management	management	NOUN
fbem-23714	25	23	.	.	PUNCT
fbem-23714	26	1	this	this	DET
fbem-23714	26	2	theory	theory	NOUN
fbem-23714	26	3	holds	hold	VERB
fbem-23714	26	4	that	that	SCONJ
fbem-23714	26	5	customer	customer	NOUN
fbem-23714	26	6	satisfaction	satisfaction	NOUN
fbem-23714	26	7	is	be	AUX
fbem-23714	26	8	affected	affect	VERB
fbem-23714	26	9	by	by	ADP
fbem-23714	26	10	multiple	multiple	ADJ
fbem-23714	26	11	factors	factor	NOUN
fbem-23714	26	12	,	,	PUNCT
fbem-23714	27	1	the	the	DET
fbem-23714	27	2	main	main	ADJ
fbem-23714	27	3	one	one	NOUN
fbem-23714	27	4	being	be	AUX
fbem-23714	27	5	the	the	DET
fbem-23714	27	6	customer	customer	NOUN
fbem-23714	27	7	's	's	PART
fbem-23714	27	8	perception	perception	NOUN
fbem-23714	27	9	of	of	ADP
fbem-23714	27	10	"	"	PUNCT
fbem-23714	27	11	value	value	NOUN
fbem-23714	27	12	for	for	ADP
fbem-23714	27	13	money	money	NOUN
fbem-23714	27	14	"	"	PUNCT
fbem-23714	27	15	for	for	ADP
fbem-23714	27	16	the	the	DET
fbem-23714	27	17	cost	cost	NOUN
fbem-23714	27	18	of	of	ADP
fbem-23714	27	19	goods	good	NOUN
fbem-23714	27	20	and	and	CCONJ
fbem-23714	27	21	services	service	NOUN
fbem-23714	27	22	paid	pay	VERB
fbem-23714	27	23	.	.	PUNCT
fbem-23714	28	1	cardozo	cardozo	PROPN
fbem-23714	28	2	measures	measure	VERB
fbem-23714	28	3	customer	customer	NOUN
fbem-23714	28	4	satisfaction	satisfaction	NOUN
fbem-23714	28	5	using	use	VERB
fbem-23714	28	6	the	the	DET
fbem-23714	28	7	price	price	NOUN
fbem-23714	28	8	expectation	expectation	NOUN
fbem-23714	28	9	gap	gap	NOUN
fbem-23714	28	10	,	,	PUNCT
fbem-23714	28	11	which	which	PRON
fbem-23714	28	12	is	be	AUX
fbem-23714	28	13	the	the	DET
fbem-23714	28	14	difference	difference	NOUN
fbem-23714	28	15	between	between	ADP
fbem-23714	28	16	customers	customer	NOUN
fbem-23714	28	17	'	'	PART
fbem-23714	28	18	expectations	expectation	NOUN
fbem-23714	28	19	and	and	CCONJ
fbem-23714	28	20	perceived	perceive	VERB
fbem-23714	28	21	value	value	NOUN
fbem-23714	28	22	.	.	PUNCT
fbem-23714	29	1	when	when	SCONJ
fbem-23714	29	2	customers	customer	NOUN
fbem-23714	29	3	perceive	perceive	VERB
fbem-23714	29	4	value	value	VERB
fbem-23714	29	5	greater	great	ADJ
fbem-23714	29	6	than	than	ADP
fbem-23714	29	7	expectations	expectation	NOUN
fbem-23714	29	8	and	and	CCONJ
fbem-23714	29	9	costs	cost	NOUN
fbem-23714	29	10	,	,	PUNCT
fbem-23714	29	11	they	they	PRON
fbem-23714	29	12	will	will	AUX
fbem-23714	29	13	be	be	AUX
fbem-23714	29	14	satisfied	satisfied	ADJ
fbem-23714	29	15	with	with	ADP
fbem-23714	29	16	the	the	DET
fbem-23714	29	17	goods	good	NOUN
fbem-23714	29	18	and	and	CCONJ
fbem-23714	29	19	services	service	NOUN
fbem-23714	29	20	provided	provide	VERB
fbem-23714	29	21	by	by	ADP
fbem-23714	29	22	the	the	DET
fbem-23714	29	23	business	business	NOUN
fbem-23714	29	24	.	.	PUNCT
fbem-23714	30	1	in	in	ADP
fbem-23714	30	2	addition	addition	NOUN
fbem-23714	30	3	to	to	ADP
fbem-23714	30	4	the	the	DET
fbem-23714	30	5	customer	customer	NOUN
fbem-23714	30	6	satisfaction	satisfaction	NOUN
fbem-23714	30	7	theory	theory	NOUN
fbem-23714	30	8	proposed	propose	VERB
fbem-23714	30	9	by	by	ADP
fbem-23714	30	10	cardozo	cardozo	PROPN
fbem-23714	30	11	(	(	PUNCT
fbem-23714	30	12	1965	1965	NUM
fbem-23714	30	13	)	)	PUNCT
fbem-23714	30	14	,	,	PUNCT
fbem-23714	30	15	bearden	bearden	PROPN
fbem-23714	30	16	et	et	PROPN
fbem-23714	30	17	al	al	PROPN
fbem-23714	30	18	.	.	PROPN
fbem-23714	31	1	(	(	PUNCT
fbem-23714	31	2	1984	1984	NUM
fbem-23714	31	3	)	)	PUNCT
fbem-23714	31	4	conducted	conduct	VERB
fbem-23714	31	5	a	a	DET
fbem-23714	31	6	large	large	ADJ
fbem-23714	31	7	number	number	NOUN
fbem-23714	31	8	of	of	ADP
fbem-23714	31	9	studies	study	NOUN
fbem-23714	31	10	and	and	CCONJ
fbem-23714	31	11	proposed	propose	VERB
fbem-23714	31	12	the	the	DET
fbem-23714	31	13	influencing	influence	VERB
fbem-23714	31	14	factors	factor	NOUN
fbem-23714	31	15	of	of	ADP
fbem-23714	31	16	customer	customer	NOUN
fbem-23714	31	17	relationship	relationship	NOUN
fbem-23714	31	18	management	management	NOUN
fbem-23714	31	19	theory	theory	NOUN
fbem-23714	31	20	on	on	ADP
fbem-23714	31	21	customer	customer	NOUN
fbem-23714	31	22	satisfaction	satisfaction	NOUN
fbem-23714	31	23	.	.	PUNCT
fbem-23714	32	1	antreas	antreas	PROPN
fbem-23714	32	2	and	and	CCONJ
fbem-23714	32	3	athanassopoulos	athanassopoulos	PROPN
fbem-23714	32	4	(	(	PUNCT
fbem-23714	32	5	2000	2000	NUM
fbem-23714	32	6	)	)	PUNCT
fbem-23714	32	7	divided	divide	VERB
fbem-23714	32	8	customers	customer	NOUN
fbem-23714	32	9	into	into	ADP
fbem-23714	32	10	personal	personal	ADJ
fbem-23714	32	11	customers	customer	NOUN
fbem-23714	32	12	and	and	CCONJ
fbem-23714	32	13	business	business	NOUN
fbem-23714	32	14	customers	customer	NOUN
fbem-23714	32	15	,	,	PUNCT
fbem-23714	32	16	and	and	CCONJ
fbem-23714	32	17	pointed	point	VERB
fbem-23714	32	18	out	out	ADP
fbem-23714	32	19	that	that	SCONJ
fbem-23714	32	20	personal	personal	ADJ
fbem-23714	32	21	customer	customer	NOUN
fbem-23714	32	22	satisfaction	satisfaction	NOUN
fbem-23714	32	23	is	be	AUX
fbem-23714	32	24	affected	affect	VERB
fbem-23714	32	25	by	by	ADP
fbem-23714	32	26	five	five	NUM
fbem-23714	32	27	factors	factor	NOUN
fbem-23714	32	28	including	include	VERB
fbem-23714	32	29	innovation	innovation	NOUN
fbem-23714	32	30	,	,	PUNCT
fbem-23714	32	31	company	company	NOUN
fbem-23714	32	32	image	image	NOUN
fbem-23714	32	33	,	,	PUNCT
fbem-23714	32	34	perceived	perceive	VERB
fbem-23714	32	35	price	price	NOUN
fbem-23714	32	36	,	,	PUNCT
fbem-23714	32	37	perceived	perceive	VERB
fbem-23714	32	38	quality	quality	NOUN
fbem-23714	32	39	and	and	CCONJ
fbem-23714	32	40	convenience	convenience	NOUN
fbem-23714	32	41	.	.	PUNCT
fbem-23714	33	1	depiana	depiana	PROPN
fbem-23714	33	2	357	357	NUM
fbem-23714	33	3	and	and	CCONJ
fbem-23714	33	4	hartelina	hartelina	NOUN
fbem-23714	33	5	(	(	PUNCT
fbem-23714	33	6	2021	2021	NUM
fbem-23714	33	7	)	)	PUNCT
fbem-23714	33	8	believe	believe	VERB
fbem-23714	33	9	that	that	SCONJ
fbem-23714	33	10	payment	payment	NOUN
fbem-23714	33	11	equality	equality	NOUN
fbem-23714	33	12	has	have	VERB
fbem-23714	33	13	a	a	DET
fbem-23714	33	14	significant	significant	ADJ
fbem-23714	33	15	impact	impact	NOUN
fbem-23714	33	16	on	on	ADP
fbem-23714	33	17	customer	customer	NOUN
fbem-23714	33	18	satisfaction	satisfaction	NOUN
fbem-23714	33	19	.	.	PUNCT
fbem-23714	34	1	they	they	PRON
fbem-23714	34	2	believe	believe	VERB
fbem-23714	34	3	that	that	SCONJ
fbem-23714	34	4	the	the	DET
fbem-23714	34	5	sense	sense	NOUN
fbem-23714	34	6	of	of	ADP
fbem-23714	34	7	fairness	fairness	NOUN
fbem-23714	34	8	and	and	CCONJ
fbem-23714	34	9	equality	equality	NOUN
fbem-23714	34	10	brought	bring	VERB
fbem-23714	34	11	by	by	ADP
fbem-23714	34	12	payment	payment	NOUN
fbem-23714	34	13	will	will	AUX
fbem-23714	34	14	affect	affect	VERB
fbem-23714	34	15	customer	customer	NOUN
fbem-23714	34	16	satisfaction	satisfaction	NOUN
fbem-23714	34	17	,	,	PUNCT
fbem-23714	34	18	which	which	PRON
fbem-23714	34	19	in	in	ADP
fbem-23714	34	20	turn	turn	NOUN
fbem-23714	34	21	affects	affect	VERB
fbem-23714	34	22	customers	customer	NOUN
fbem-23714	34	23	'	'	PART
fbem-23714	34	24	re	re	NOUN
fbem-23714	34	25	-	-	NOUN
fbem-23714	34	26	consumption	consumption	NOUN
fbem-23714	34	27	behavior	behavior	NOUN
fbem-23714	34	28	.	.	PUNCT
fbem-23714	35	1	with	with	ADP
fbem-23714	35	2	the	the	DET
fbem-23714	35	3	development	development	NOUN
fbem-23714	35	4	of	of	ADP
fbem-23714	35	5	technology	technology	NOUN
fbem-23714	35	6	,	,	PUNCT
fbem-23714	35	7	especially	especially	ADV
fbem-23714	35	8	internet	internet	NOUN
fbem-23714	35	9	technology	technology	NOUN
fbem-23714	35	10	,	,	PUNCT
fbem-23714	35	11	consumer	consumer	NOUN
fbem-23714	35	12	behavior	behavior	NOUN
fbem-23714	35	13	patterns	pattern	NOUN
fbem-23714	35	14	have	have	AUX
fbem-23714	35	15	undergone	undergo	VERB
fbem-23714	35	16	tremendous	tremendous	ADJ
fbem-23714	35	17	changes	change	NOUN
fbem-23714	35	18	,	,	PUNCT
fbem-23714	35	19	and	and	CCONJ
fbem-23714	35	20	traditional	traditional	ADJ
fbem-23714	35	21	customer	customer	NOUN
fbem-23714	35	22	satisfaction	satisfaction	NOUN
fbem-23714	35	23	models	model	NOUN
fbem-23714	35	24	are	be	AUX
fbem-23714	35	25	gradually	gradually	ADV
fbem-23714	35	26	unable	unable	ADJ
fbem-23714	35	27	to	to	PART
fbem-23714	35	28	meet	meet	VERB
fbem-23714	35	29	the	the	DET
fbem-23714	35	30	requirements	requirement	NOUN
fbem-23714	35	31	of	of	ADP
fbem-23714	35	32	the	the	DET
fbem-23714	35	33	times	time	NOUN
fbem-23714	35	34	.	.	PUNCT
fbem-23714	36	1	based	base	VERB
fbem-23714	36	2	on	on	ADP
fbem-23714	36	3	this	this	PRON
fbem-23714	36	4	,	,	PUNCT
fbem-23714	36	5	kuznyetsova	kuznyetsova	PROPN
fbem-23714	36	6	and	and	CCONJ
fbem-23714	36	7	pogorelenko	pogorelenko	PROPN
fbem-23714	36	8	(	(	PUNCT
fbem-23714	36	9	2018	2018	NUM
fbem-23714	36	10	)	)	PUNCT
fbem-23714	36	11	studied	study	VERB
fbem-23714	36	12	from	from	ADP
fbem-23714	36	13	the	the	DET
fbem-23714	36	14	perspective	perspective	NOUN
fbem-23714	36	15	of	of	ADP
fbem-23714	36	16	big	big	ADJ
fbem-23714	36	17	data	datum	NOUN
fbem-23714	36	18	and	and	CCONJ
fbem-23714	36	19	the	the	DET
fbem-23714	36	20	internet	internet	NOUN
fbem-23714	36	21	era	era	NOUN
fbem-23714	36	22	and	and	CCONJ
fbem-23714	36	23	found	find	VERB
fbem-23714	36	24	that	that	SCONJ
fbem-23714	36	25	customer	customer	NOUN
fbem-23714	36	26	attention	attention	NOUN
fbem-23714	36	27	is	be	AUX
fbem-23714	36	28	also	also	ADV
fbem-23714	36	29	very	very	ADV
fbem-23714	36	30	important	important	ADJ
fbem-23714	36	31	to	to	ADP
fbem-23714	36	32	customer	customer	NOUN
fbem-23714	36	33	satisfaction	satisfaction	NOUN
fbem-23714	36	34	.	.	PUNCT
fbem-23714	37	1	at	at	ADP
fbem-23714	37	2	the	the	DET
fbem-23714	37	3	same	same	ADJ
fbem-23714	37	4	time	time	NOUN
fbem-23714	37	5	,	,	PUNCT
fbem-23714	37	6	the	the	DET
fbem-23714	37	7	development	development	NOUN
fbem-23714	37	8	of	of	ADP
fbem-23714	37	9	management	management	NOUN
fbem-23714	37	10	science	science	NOUN
fbem-23714	37	11	has	have	AUX
fbem-23714	37	12	made	make	VERB
fbem-23714	37	13	enterprise	enterprise	NOUN
fbem-23714	37	14	management	management	NOUN
fbem-23714	37	15	no	no	ADV
fbem-23714	37	16	longer	long	ADV
fbem-23714	37	17	a	a	DET
fbem-23714	37	18	closed	closed	ADJ
fbem-23714	37	19	internal	internal	ADJ
fbem-23714	37	20	affair	affair	NOUN
fbem-23714	37	21	.	.	PUNCT
fbem-23714	38	1	knowledge	knowledge	NOUN
fbem-23714	38	2	management	management	NOUN
fbem-23714	38	3	,	,	PUNCT
fbem-23714	38	4	organizational	organizational	ADJ
fbem-23714	38	5	management	management	NOUN
fbem-23714	38	6	and	and	CCONJ
fbem-23714	38	7	technical	technical	ADJ
fbem-23714	38	8	management	management	NOUN
fbem-23714	38	9	will	will	AUX
fbem-23714	38	10	also	also	ADV
fbem-23714	38	11	affect	affect	VERB
fbem-23714	38	12	customer	customer	NOUN
fbem-23714	38	13	satisfaction	satisfaction	NOUN
fbem-23714	38	14	.	.	PUNCT
fbem-23714	39	1	this	this	DET
fbem-23714	39	2	study	study	NOUN
fbem-23714	39	3	proposes	propose	VERB
fbem-23714	39	4	strategies	strategy	NOUN
fbem-23714	39	5	to	to	PART
fbem-23714	39	6	improve	improve	VERB
fbem-23714	39	7	customer	customer	NOUN
fbem-23714	39	8	satisfaction	satisfaction	NOUN
fbem-23714	39	9	.	.	PUNCT
fbem-23714	40	1	sub	sub	NOUN
fbem-23714	40	2	(	(	PUNCT
fbem-23714	40	3	2013	2013	NUM
fbem-23714	40	4	)	)	PUNCT
fbem-23714	40	5	's	's	PART
fbem-23714	40	6	research	research	NOUN
fbem-23714	40	7	found	find	VERB
fbem-23714	40	8	that	that	SCONJ
fbem-23714	40	9	in	in	ADP
fbem-23714	40	10	most	most	ADJ
fbem-23714	40	11	bank	bank	NOUN
fbem-23714	40	12	customer	customer	NOUN
fbem-23714	40	13	satisfaction	satisfaction	NOUN
fbem-23714	40	14	cases	case	NOUN
fbem-23714	40	15	,	,	PUNCT
fbem-23714	40	16	factors	factor	NOUN
fbem-23714	40	17	such	such	ADJ
fbem-23714	40	18	as	as	ADP
fbem-23714	40	19	the	the	DET
fbem-23714	40	20	professional	professional	ADJ
fbem-23714	40	21	skills	skill	NOUN
fbem-23714	40	22	,	,	PUNCT
fbem-23714	40	23	service	service	NOUN
fbem-23714	40	24	quality	quality	NOUN
fbem-23714	40	25	and	and	CCONJ
fbem-23714	40	26	brand	brand	NOUN
fbem-23714	40	27	image	image	NOUN
fbem-23714	40	28	of	of	ADP
fbem-23714	40	29	internal	internal	ADJ
fbem-23714	40	30	bank	bank	NOUN
fbem-23714	40	31	employees	employee	NOUN
fbem-23714	40	32	have	have	VERB
fbem-23714	40	33	an	an	DET
fbem-23714	40	34	important	important	ADJ
fbem-23714	40	35	impact	impact	NOUN
fbem-23714	40	36	on	on	ADP
fbem-23714	40	37	customer	customer	NOUN
fbem-23714	40	38	satisfaction	satisfaction	NOUN
fbem-23714	40	39	.	.	PUNCT
fbem-23714	41	1	since	since	SCONJ
fbem-23714	41	2	customer	customer	NOUN
fbem-23714	41	3	satisfaction	satisfaction	NOUN
fbem-23714	41	4	is	be	AUX
fbem-23714	41	5	the	the	DET
fbem-23714	41	6	subjective	subjective	ADJ
fbem-23714	41	7	feeling	feeling	NOUN
fbem-23714	41	8	of	of	ADP
fbem-23714	41	9	customers	customer	NOUN
fbem-23714	41	10	,	,	PUNCT
fbem-23714	41	11	in	in	ADP
fbem-23714	41	12	order	order	NOUN
fbem-23714	41	13	to	to	PART
fbem-23714	41	14	study	study	VERB
fbem-23714	41	15	customer	customer	NOUN
fbem-23714	41	16	satisfaction	satisfaction	NOUN
fbem-23714	41	17	more	more	ADV
fbem-23714	41	18	objectively	objectively	ADV
fbem-23714	41	19	,	,	PUNCT
fbem-23714	41	20	a	a	DET
fbem-23714	41	21	scientific	scientific	ADJ
fbem-23714	41	22	and	and	CCONJ
fbem-23714	41	23	reasonable	reasonable	ADJ
fbem-23714	41	24	index	index	NOUN
fbem-23714	41	25	system	system	NOUN
fbem-23714	41	26	must	must	AUX
fbem-23714	41	27	be	be	AUX
fbem-23714	41	28	established	establish	VERB
fbem-23714	41	29	.	.	PUNCT
fbem-23714	42	1	2.1.2	2.1.2	X
fbem-23714	42	2	.	.	PUNCT
fbem-23714	42	3	research	research	NOUN
fbem-23714	42	4	on	on	ADP
fbem-23714	42	5	digital	digital	ADJ
fbem-23714	42	6	banking	banking	NOUN
fbem-23714	42	7	services	service	NOUN
fbem-23714	42	8	at	at	ADP
fbem-23714	42	9	present	present	ADJ
fbem-23714	42	10	,	,	PUNCT
fbem-23714	42	11	digital	digital	ADJ
fbem-23714	42	12	smart	smart	ADJ
fbem-23714	42	13	banks	bank	NOUN
fbem-23714	42	14	are	be	AUX
fbem-23714	42	15	developing	develop	VERB
fbem-23714	42	16	rapidly	rapidly	ADV
fbem-23714	42	17	and	and	CCONJ
fbem-23714	42	18	have	have	AUX
fbem-23714	42	19	gained	gain	VERB
fbem-23714	42	20	wide	wide	ADJ
fbem-23714	42	21	social	social	ADJ
fbem-23714	42	22	recognition	recognition	NOUN
fbem-23714	42	23	and	and	CCONJ
fbem-23714	42	24	achieved	achieve	VERB
fbem-23714	42	25	important	important	ADJ
fbem-23714	42	26	development	development	NOUN
fbem-23714	42	27	results	result	NOUN
fbem-23714	42	28	.	.	PUNCT
fbem-23714	43	1	according	accord	VERB
fbem-23714	43	2	to	to	ADP
fbem-23714	43	3	kim	kim	PROPN
fbem-23714	43	4	and	and	CCONJ
fbem-23714	43	5	shim	shim	NOUN
fbem-23714	43	6	(	(	PUNCT
fbem-23714	43	7	2016	2016	NUM
fbem-23714	43	8	)	)	PUNCT
fbem-23714	43	9	,	,	PUNCT
fbem-23714	43	10	the	the	DET
fbem-23714	43	11	development	development	NOUN
fbem-23714	43	12	of	of	ADP
fbem-23714	43	13	the	the	DET
fbem-23714	43	14	internet	internet	NOUN
fbem-23714	43	15	has	have	AUX
fbem-23714	43	16	promoted	promote	VERB
fbem-23714	43	17	the	the	DET
fbem-23714	43	18	growth	growth	NOUN
fbem-23714	43	19	of	of	ADP
fbem-23714	43	20	online	online	ADJ
fbem-23714	43	21	finance	finance	NOUN
fbem-23714	43	22	and	and	CCONJ
fbem-23714	43	23	posed	pose	VERB
fbem-23714	43	24	a	a	DET
fbem-23714	43	25	huge	huge	ADJ
fbem-23714	43	26	challenge	challenge	NOUN
fbem-23714	43	27	to	to	ADP
fbem-23714	43	28	traditional	traditional	ADJ
fbem-23714	43	29	banks	bank	NOUN
fbem-23714	43	30	.	.	PUNCT
fbem-23714	44	1	this	this	PRON
fbem-23714	44	2	has	have	AUX
fbem-23714	44	3	also	also	ADV
fbem-23714	44	4	forced	force	VERB
fbem-23714	44	5	traditional	traditional	ADJ
fbem-23714	44	6	banks	bank	NOUN
fbem-23714	44	7	to	to	PART
fbem-23714	44	8	transform	transform	VERB
fbem-23714	44	9	themselves	themselves	PRON
fbem-23714	44	10	to	to	ADP
fbem-23714	44	11	the	the	DET
fbem-23714	44	12	internet	internet	NOUN
fbem-23714	44	13	to	to	PART
fbem-23714	44	14	improve	improve	VERB
fbem-23714	44	15	service	service	NOUN
fbem-23714	44	16	efficiency	efficiency	NOUN
fbem-23714	44	17	.	.	PUNCT
fbem-23714	45	1	due	due	ADP
fbem-23714	45	2	to	to	ADP
fbem-23714	45	3	the	the	DET
fbem-23714	45	4	high	high	ADJ
fbem-23714	45	5	efficiency	efficiency	NOUN
fbem-23714	45	6	of	of	ADP
fbem-23714	45	7	internet	internet	NOUN
fbem-23714	45	8	information	information	NOUN
fbem-23714	45	9	dissemination	dissemination	NOUN
fbem-23714	45	10	,	,	PUNCT
fbem-23714	45	11	traditional	traditional	ADJ
fbem-23714	45	12	banks	bank	NOUN
fbem-23714	45	13	need	need	VERB
fbem-23714	45	14	to	to	PART
fbem-23714	45	15	use	use	VERB
fbem-23714	45	16	the	the	DET
fbem-23714	45	17	advantages	advantage	NOUN
fbem-23714	45	18	of	of	ADP
fbem-23714	45	19	internet	internet	NOUN
fbem-23714	45	20	information	information	NOUN
fbem-23714	45	21	to	to	PART
fbem-23714	45	22	improve	improve	VERB
fbem-23714	45	23	service	service	NOUN
fbem-23714	45	24	effectiveness	effectiveness	NOUN
fbem-23714	45	25	.	.	PUNCT
fbem-23714	46	1	at	at	ADP
fbem-23714	46	2	the	the	DET
fbem-23714	46	3	same	same	ADJ
fbem-23714	46	4	time	time	NOUN
fbem-23714	46	5	,	,	PUNCT
fbem-23714	46	6	according	accord	VERB
fbem-23714	46	7	to	to	ADP
fbem-23714	46	8	lien	lien	PROPN
fbem-23714	46	9	et	et	PROPN
fbem-23714	46	10	al	al	PROPN
fbem-23714	46	11	.	.	PROPN
fbem-23714	46	12	(	(	PUNCT
fbem-23714	46	13	2020	2020	NUM
fbem-23714	46	14	)	)	PUNCT
fbem-23714	46	15	,	,	PUNCT
fbem-23714	46	16	from	from	ADP
fbem-23714	46	17	the	the	DET
fbem-23714	46	18	perspective	perspective	NOUN
fbem-23714	46	19	of	of	ADP
fbem-23714	46	20	commercial	commercial	ADJ
fbem-23714	46	21	bank	bank	PROPN
fbem-23714	46	22	business	business	NOUN
fbem-23714	46	23	transformation	transformation	NOUN
fbem-23714	46	24	,	,	PUNCT
fbem-23714	46	25	the	the	DET
fbem-23714	46	26	impact	impact	NOUN
fbem-23714	46	27	of	of	ADP
fbem-23714	46	28	information	information	NOUN
fbem-23714	46	29	technology	technology	NOUN
fbem-23714	46	30	on	on	ADP
fbem-23714	46	31	traditional	traditional	ADJ
fbem-23714	46	32	commercial	commercial	ADJ
fbem-23714	46	33	banking	banking	NOUN
fbem-23714	46	34	business	business	NOUN
fbem-23714	46	35	was	be	AUX
fbem-23714	46	36	discussed	discuss	VERB
fbem-23714	46	37	in	in	ADP
fbem-23714	46	38	depth	depth	NOUN
fbem-23714	46	39	.	.	PUNCT
fbem-23714	47	1	therefore	therefore	ADV
fbem-23714	47	2	,	,	PUNCT
fbem-23714	47	3	they	they	PRON
fbem-23714	47	4	believe	believe	VERB
fbem-23714	47	5	that	that	SCONJ
fbem-23714	47	6	the	the	DET
fbem-23714	47	7	use	use	NOUN
fbem-23714	47	8	of	of	ADP
fbem-23714	47	9	information	information	NOUN
fbem-23714	47	10	technology	technology	NOUN
fbem-23714	47	11	to	to	PART
fbem-23714	47	12	achieve	achieve	VERB
fbem-23714	47	13	digital	digital	ADJ
fbem-23714	47	14	transformation	transformation	NOUN
fbem-23714	47	15	of	of	ADP
fbem-23714	47	16	traditional	traditional	ADJ
fbem-23714	47	17	commercial	commercial	ADJ
fbem-23714	47	18	banks	bank	NOUN
fbem-23714	47	19	is	be	AUX
fbem-23714	47	20	conducive	conducive	ADJ
fbem-23714	47	21	to	to	ADP
fbem-23714	47	22	banks	bank	NOUN
fbem-23714	47	23	reducing	reduce	VERB
fbem-23714	47	24	costs	cost	NOUN
fbem-23714	47	25	and	and	CCONJ
fbem-23714	47	26	increasing	increase	VERB
fbem-23714	47	27	efficiency	efficiency	NOUN
fbem-23714	47	28	.	.	PUNCT
fbem-23714	48	1	they	they	PRON
fbem-23714	48	2	also	also	ADV
fbem-23714	48	3	proposed	propose	VERB
fbem-23714	48	4	that	that	SCONJ
fbem-23714	48	5	digital	digital	ADJ
fbem-23714	48	6	transformation	transformation	NOUN
fbem-23714	48	7	can	can	AUX
fbem-23714	48	8	be	be	AUX
fbem-23714	48	9	achieved	achieve	VERB
fbem-23714	48	10	by	by	ADP
fbem-23714	48	11	using	use	VERB
fbem-23714	48	12	internet	internet	NOUN
fbem-23714	48	13	electronic	electronic	ADJ
fbem-23714	48	14	information	information	NOUN
fbem-23714	48	15	means	mean	VERB
fbem-23714	48	16	.	.	PUNCT
fbem-23714	49	1	kuznyetsova	kuznyetsova	PROPN
fbem-23714	49	2	et	et	PROPN
fbem-23714	49	3	al	al	PROPN
fbem-23714	49	4	.	.	PROPN
fbem-23714	50	1	(	(	PUNCT
fbem-23714	50	2	2018	2018	NUM
fbem-23714	50	3	)	)	PUNCT
fbem-23714	50	4	proposed	propose	VERB
fbem-23714	50	5	an	an	DET
fbem-23714	50	6	evaluation	evaluation	NOUN
fbem-23714	50	7	model	model	NOUN
fbem-23714	50	8	for	for	ADP
fbem-23714	50	9	the	the	DET
fbem-23714	50	10	digital	digital	ADJ
fbem-23714	50	11	transformation	transformation	NOUN
fbem-23714	50	12	of	of	ADP
fbem-23714	50	13	commercial	commercial	ADJ
fbem-23714	50	14	bank	bank	NOUN
fbem-23714	50	15	outlets	outlet	NOUN
fbem-23714	50	16	.	.	PUNCT
fbem-23714	51	1	the	the	DET
fbem-23714	51	2	model	model	NOUN
fbem-23714	51	3	uses	use	VERB
fbem-23714	51	4	a	a	DET
fbem-23714	51	5	comprehensive	comprehensive	ADJ
fbem-23714	51	6	evaluation	evaluation	NOUN
fbem-23714	51	7	method	method	NOUN
fbem-23714	51	8	to	to	PART
fbem-23714	51	9	evaluate	evaluate	VERB
fbem-23714	51	10	the	the	DET
fbem-23714	51	11	effect	effect	NOUN
fbem-23714	51	12	of	of	ADP
fbem-23714	51	13	digital	digital	ADJ
fbem-23714	51	14	transformation	transformation	NOUN
fbem-23714	51	15	of	of	ADP
fbem-23714	51	16	traditional	traditional	ADJ
fbem-23714	51	17	commercial	commercial	ADJ
fbem-23714	51	18	bank	bank	NOUN
fbem-23714	51	19	outlets	outlet	NOUN
fbem-23714	51	20	.	.	PUNCT
fbem-23714	52	1	in	in	ADP
fbem-23714	52	2	addition	addition	NOUN
fbem-23714	52	3	,	,	PUNCT
fbem-23714	52	4	the	the	DET
fbem-23714	52	5	model	model	NOUN
fbem-23714	52	6	can	can	AUX
fbem-23714	52	7	also	also	ADV
fbem-23714	52	8	effectively	effectively	ADV
fbem-23714	52	9	discover	discover	VERB
fbem-23714	52	10	problems	problem	NOUN
fbem-23714	52	11	that	that	PRON
fbem-23714	52	12	arise	arise	VERB
fbem-23714	52	13	in	in	ADP
fbem-23714	52	14	the	the	DET
fbem-23714	52	15	process	process	NOUN
fbem-23714	52	16	of	of	ADP
fbem-23714	52	17	digital	digital	ADJ
fbem-23714	52	18	service	service	NOUN
fbem-23714	52	19	transformation	transformation	NOUN
fbem-23714	52	20	of	of	ADP
fbem-23714	52	21	commercial	commercial	ADJ
fbem-23714	52	22	bank	bank	NOUN
fbem-23714	52	23	smart	smart	ADJ
fbem-23714	52	24	outlets	outlet	NOUN
fbem-23714	52	25	.	.	PUNCT
fbem-23714	53	1	according	accord	VERB
fbem-23714	53	2	to	to	ADP
fbem-23714	53	3	fumhe	fumhe	NOUN
fbem-23714	53	4	(	(	PUNCT
fbem-23714	53	5	2019	2019	NUM
fbem-23714	53	6	)	)	PUNCT
fbem-23714	53	7	,	,	PUNCT
fbem-23714	53	8	the	the	DET
fbem-23714	53	9	reason	reason	NOUN
fbem-23714	53	10	for	for	ADP
fbem-23714	53	11	people	people	NOUN
fbem-23714	53	12	switching	switch	VERB
fbem-23714	53	13	to	to	ADP
fbem-23714	53	14	electronic	electronic	ADJ
fbem-23714	53	15	statements	statement	NOUN
fbem-23714	53	16	is	be	AUX
fbem-23714	53	17	not	not	PART
fbem-23714	53	18	because	because	SCONJ
fbem-23714	53	19	of	of	ADP
fbem-23714	53	20	the	the	DET
fbem-23714	53	21	negative	negative	ADJ
fbem-23714	53	22	impact	impact	NOUN
fbem-23714	53	23	of	of	ADP
fbem-23714	53	24	paper	paper	NOUN
fbem-23714	53	25	on	on	ADP
fbem-23714	53	26	the	the	DET
fbem-23714	53	27	environment	environment	NOUN
fbem-23714	53	28	,	,	PUNCT
fbem-23714	53	29	but	but	CCONJ
fbem-23714	53	30	because	because	SCONJ
fbem-23714	53	31	of	of	ADP
fbem-23714	53	32	the	the	DET
fbem-23714	53	33	convenience	convenience	NOUN
fbem-23714	53	34	of	of	ADP
fbem-23714	53	35	using	use	VERB
fbem-23714	53	36	electronic	electronic	ADJ
fbem-23714	53	37	statements	statement	NOUN
fbem-23714	53	38	.	.	PUNCT
fbem-23714	54	1	the	the	DET
fbem-23714	54	2	study	study	NOUN
fbem-23714	54	3	also	also	ADV
fbem-23714	54	4	showed	show	VERB
fbem-23714	54	5	that	that	SCONJ
fbem-23714	54	6	the	the	DET
fbem-23714	54	7	main	main	ADJ
fbem-23714	54	8	reason	reason	NOUN
fbem-23714	54	9	participants	participant	NOUN
fbem-23714	54	10	chose	choose	VERB
fbem-23714	54	11	to	to	PART
fbem-23714	54	12	use	use	VERB
fbem-23714	54	13	mobile	mobile	ADJ
fbem-23714	54	14	applications	application	NOUN
fbem-23714	54	15	and	and	CCONJ
fbem-23714	54	16	online	online	ADJ
fbem-23714	54	17	banking	banking	NOUN
fbem-23714	54	18	platforms	platform	NOUN
fbem-23714	54	19	to	to	PART
fbem-23714	54	20	access	access	VERB
fbem-23714	54	21	online	online	ADJ
fbem-23714	54	22	declarations	declaration	NOUN
fbem-23714	54	23	was	be	AUX
fbem-23714	54	24	because	because	SCONJ
fbem-23714	54	25	of	of	ADP
fbem-23714	54	26	the	the	DET
fbem-23714	54	27	traceability	traceability	NOUN
fbem-23714	54	28	of	of	ADP
fbem-23714	54	29	electronic	electronic	ADJ
fbem-23714	54	30	statements	statement	NOUN
fbem-23714	54	31	.	.	PUNCT
fbem-23714	55	1	according	accord	VERB
fbem-23714	55	2	to	to	ADP
fbem-23714	55	3	ismail	ismail	NOUN
fbem-23714	55	4	and	and	CCONJ
fbem-23714	55	5	alawamleh	alawamleh	PROPN
fbem-23714	55	6	(	(	PUNCT
fbem-23714	55	7	2017	2017	NUM
fbem-23714	55	8	)	)	PUNCT
fbem-23714	55	9	,	,	PUNCT
fbem-23714	55	10	customers	customer	NOUN
fbem-23714	55	11	prefer	prefer	VERB
fbem-23714	55	12	service	service	NOUN
fbem-23714	55	13	providers	provider	NOUN
fbem-23714	55	14	that	that	PRON
fbem-23714	55	15	provide	provide	VERB
fbem-23714	55	16	the	the	DET
fbem-23714	55	17	most	most	ADJ
fbem-23714	55	18	time	time	NOUN
fbem-23714	55	19	-	-	PUNCT
fbem-23714	55	20	saving	save	VERB
fbem-23714	55	21	and	and	CCONJ
fbem-23714	55	22	laborsaving	laborsave	VERB
fbem-23714	55	23	services	service	NOUN
fbem-23714	55	24	.	.	PUNCT
fbem-23714	56	1	convenience	convenience	NOUN
fbem-23714	56	2	can	can	AUX
fbem-23714	56	3	be	be	AUX
fbem-23714	56	4	measured	measure	VERB
fbem-23714	56	5	in	in	ADP
fbem-23714	56	6	many	many	ADJ
fbem-23714	56	7	different	different	ADJ
fbem-23714	56	8	ways	way	NOUN
fbem-23714	56	9	,	,	PUNCT
fbem-23714	56	10	including	include	VERB
fbem-23714	56	11	ease	ease	NOUN
fbem-23714	56	12	of	of	ADP
fbem-23714	56	13	use	use	NOUN
fbem-23714	56	14	,	,	PUNCT
fbem-23714	56	15	whether	whether	SCONJ
fbem-23714	56	16	online	online	ADJ
fbem-23714	56	17	banking	banking	NOUN
fbem-23714	56	18	is	be	AUX
fbem-23714	56	19	available	available	ADJ
fbem-23714	56	20	at	at	ADP
fbem-23714	56	21	any	any	DET
fbem-23714	56	22	time	time	NOUN
fbem-23714	56	23	,	,	PUNCT
fbem-23714	56	24	whether	whether	SCONJ
fbem-23714	56	25	waiting	wait	VERB
fbem-23714	56	26	in	in	ADP
fbem-23714	56	27	line	line	NOUN
fbem-23714	56	28	is	be	AUX
fbem-23714	56	29	avoided	avoid	VERB
fbem-23714	56	30	,	,	PUNCT
fbem-23714	56	31	the	the	DET
fbem-23714	56	32	amount	amount	NOUN
fbem-23714	56	33	of	of	ADP
fbem-23714	56	34	time	time	NOUN
fbem-23714	56	35	saved	save	VERB
fbem-23714	56	36	compared	compare	VERB
fbem-23714	56	37	to	to	ADP
fbem-23714	56	38	traditional	traditional	ADJ
fbem-23714	56	39	banking	banking	NOUN
fbem-23714	56	40	,	,	PUNCT
fbem-23714	56	41	and	and	CCONJ
fbem-23714	56	42	the	the	DET
fbem-23714	56	43	ease	ease	NOUN
fbem-23714	56	44	of	of	ADP
fbem-23714	56	45	the	the	DET
fbem-23714	56	46	login	login	NOUN
fbem-23714	56	47	process	process	NOUN
fbem-23714	56	48	.	.	PUNCT
fbem-23714	57	1	2.2	2.2	NUM
fbem-23714	57	2	.	.	PUNCT
fbem-23714	57	3	dimensionality	dimensionality	NOUN
fbem-23714	57	4	and	and	CCONJ
fbem-23714	57	5	measurement	measurement	NOUN
fbem-23714	57	6	of	of	ADP
fbem-23714	57	7	variables	variable	NOUN
fbem-23714	57	8	this	this	DET
fbem-23714	57	9	study	study	NOUN
fbem-23714	57	10	uses	use	VERB
fbem-23714	57	11	digital	digital	ADJ
fbem-23714	57	12	banking	banking	NOUN
fbem-23714	57	13	services	service	NOUN
fbem-23714	57	14	as	as	ADP
fbem-23714	57	15	independent	independent	ADJ
fbem-23714	57	16	variables	variable	NOUN
fbem-23714	57	17	,	,	PUNCT
fbem-23714	57	18	and	and	CCONJ
fbem-23714	57	19	its	its	PRON
fbem-23714	57	20	three	three	NUM
fbem-23714	57	21	dimensions	dimension	NOUN
fbem-23714	57	22	are	be	AUX
fbem-23714	57	23	convenience	convenience	NOUN
fbem-23714	57	24	,	,	PUNCT
fbem-23714	57	25	security	security	NOUN
fbem-23714	57	26	,	,	PUNCT
fbem-23714	57	27	and	and	CCONJ
fbem-23714	57	28	personalized	personalized	ADJ
fbem-23714	57	29	services	service	NOUN
fbem-23714	57	30	.	.	PUNCT
fbem-23714	58	1	customer	customer	NOUN
fbem-23714	58	2	satisfaction	satisfaction	NOUN
fbem-23714	58	3	is	be	AUX
fbem-23714	58	4	studied	study	VERB
fbem-23714	58	5	as	as	ADP
fbem-23714	58	6	the	the	DET
fbem-23714	58	7	dependent	dependent	ADJ
fbem-23714	58	8	variable	variable	NOUN
fbem-23714	58	9	.	.	PUNCT
fbem-23714	59	1	digital	digital	ADJ
fbem-23714	59	2	banking	banking	NOUN
fbem-23714	59	3	services	service	NOUN
fbem-23714	59	4	refer	refer	VERB
fbem-23714	59	5	to	to	ADP
fbem-23714	59	6	financial	financial	ADJ
fbem-23714	59	7	services	service	NOUN
fbem-23714	59	8	provided	provide	VERB
fbem-23714	59	9	to	to	ADP
fbem-23714	59	10	customers	customer	NOUN
fbem-23714	59	11	through	through	ADP
fbem-23714	59	12	digital	digital	ADJ
fbem-23714	59	13	channels	channel	NOUN
fbem-23714	59	14	such	such	ADJ
fbem-23714	59	15	as	as	ADP
fbem-23714	59	16	the	the	DET
fbem-23714	59	17	internet	internet	NOUN
fbem-23714	59	18	and	and	CCONJ
fbem-23714	59	19	mobile	mobile	ADJ
fbem-23714	59	20	devices	device	NOUN
fbem-23714	59	21	.	.	PUNCT
fbem-23714	60	1	in	in	ADP
fbem-23714	60	2	this	this	DET
fbem-23714	60	3	study	study	NOUN
fbem-23714	60	4	,	,	PUNCT
fbem-23714	60	5	digital	digital	ADJ
fbem-23714	60	6	banking	banking	NOUN
fbem-23714	60	7	services	service	NOUN
fbem-23714	60	8	include	include	VERB
fbem-23714	60	9	three	three	NUM
fbem-23714	60	10	dimensions	dimension	NOUN
fbem-23714	60	11	:	:	PUNCT
fbem-23714	60	12	convenience	convenience	NOUN
fbem-23714	60	13	,	,	PUNCT
fbem-23714	60	14	security	security	NOUN
fbem-23714	60	15	,	,	PUNCT
fbem-23714	60	16	and	and	CCONJ
fbem-23714	60	17	personalized	personalized	ADJ
fbem-23714	60	18	services	service	NOUN
fbem-23714	60	19	.	.	PUNCT
fbem-23714	61	1	convenience	convenience	NOUN
fbem-23714	61	2	refers	refer	VERB
fbem-23714	61	3	to	to	ADP
fbem-23714	61	4	the	the	DET
fbem-23714	61	5	convenience	convenience	NOUN
fbem-23714	61	6	of	of	ADP
fbem-23714	61	7	digital	digital	ADJ
fbem-23714	61	8	banking	banking	NOUN
fbem-23714	61	9	services	service	NOUN
fbem-23714	61	10	in	in	ADP
fbem-23714	61	11	time	time	NOUN
fbem-23714	61	12	and	and	CCONJ
fbem-23714	61	13	space	space	NOUN
fbem-23714	61	14	.	.	PUNCT
fbem-23714	62	1	convenient	convenient	ADJ
fbem-23714	62	2	digital	digital	ADJ
fbem-23714	62	3	banking	banking	NOUN
fbem-23714	62	4	services	service	NOUN
fbem-23714	62	5	allow	allow	VERB
fbem-23714	62	6	customers	customer	NOUN
fbem-23714	62	7	to	to	PART
fbem-23714	62	8	trade	trade	VERB
fbem-23714	62	9	and	and	CCONJ
fbem-23714	62	10	manage	manage	VERB
fbem-23714	62	11	assets	asset	NOUN
fbem-23714	62	12	at	at	ADP
fbem-23714	62	13	any	any	DET
fbem-23714	62	14	time	time	NOUN
fbem-23714	62	15	and	and	CCONJ
fbem-23714	62	16	any	any	DET
fbem-23714	62	17	place	place	NOUN
fbem-23714	62	18	,	,	PUNCT
fbem-23714	62	19	greatly	greatly	ADV
fbem-23714	62	20	improving	improve	VERB
fbem-23714	62	21	customer	customer	NOUN
fbem-23714	62	22	experience	experience	NOUN
fbem-23714	62	23	.	.	PUNCT
fbem-23714	63	1	security	security	NOUN
fbem-23714	63	2	refers	refer	VERB
fbem-23714	63	3	to	to	ADP
fbem-23714	63	4	the	the	DET
fbem-23714	63	5	account	account	NOUN
fbem-23714	63	6	security	security	NOUN
fbem-23714	63	7	and	and	CCONJ
fbem-23714	63	8	information	information	NOUN
fbem-23714	63	9	security	security	NOUN
fbem-23714	63	10	of	of	ADP
fbem-23714	63	11	digital	digital	ADJ
fbem-23714	63	12	banking	banking	NOUN
fbem-23714	63	13	services	service	NOUN
fbem-23714	63	14	.	.	PUNCT
fbem-23714	64	1	customers	customer	NOUN
fbem-23714	64	2	will	will	AUX
fbem-23714	64	3	conduct	conduct	VERB
fbem-23714	64	4	a	a	DET
fbem-23714	64	5	large	large	ADJ
fbem-23714	64	6	number	number	NOUN
fbem-23714	64	7	of	of	ADP
fbem-23714	64	8	transactions	transaction	NOUN
fbem-23714	64	9	and	and	CCONJ
fbem-23714	64	10	asset	asset	NOUN
fbem-23714	64	11	management	management	NOUN
fbem-23714	64	12	through	through	ADP
fbem-23714	64	13	digital	digital	ADJ
fbem-23714	64	14	banking	banking	NOUN
fbem-23714	64	15	services	service	NOUN
fbem-23714	64	16	,	,	PUNCT
fbem-23714	64	17	so	so	ADV
fbem-23714	64	18	digital	digital	ADJ
fbem-23714	64	19	banking	banking	NOUN
fbem-23714	64	20	services	service	NOUN
fbem-23714	64	21	must	must	AUX
fbem-23714	64	22	have	have	VERB
fbem-23714	64	23	a	a	DET
fbem-23714	64	24	high	high	ADJ
fbem-23714	64	25	degree	degree	NOUN
fbem-23714	64	26	of	of	ADP
fbem-23714	64	27	account	account	NOUN
fbem-23714	64	28	and	and	CCONJ
fbem-23714	64	29	information	information	NOUN
fbem-23714	64	30	security	security	NOUN
fbem-23714	64	31	to	to	PART
fbem-23714	64	32	protect	protect	VERB
fbem-23714	64	33	customers	customer	NOUN
fbem-23714	64	34	'	'	PART
fbem-23714	64	35	funds	fund	NOUN
fbem-23714	64	36	and	and	CCONJ
fbem-23714	64	37	information	information	NOUN
fbem-23714	64	38	security	security	NOUN
fbem-23714	64	39	.	.	PUNCT
fbem-23714	65	1	personalized	personalize	VERB
fbem-23714	65	2	services	service	NOUN
fbem-23714	65	3	refer	refer	VERB
fbem-23714	65	4	to	to	ADP
fbem-23714	65	5	digital	digital	ADJ
fbem-23714	65	6	banking	banking	NOUN
fbem-23714	65	7	services	service	NOUN
fbem-23714	65	8	that	that	PRON
fbem-23714	65	9	provide	provide	VERB
fbem-23714	65	10	personalized	personalized	ADJ
fbem-23714	65	11	services	service	NOUN
fbem-23714	65	12	according	accord	VERB
fbem-23714	65	13	to	to	ADP
fbem-23714	65	14	customer	customer	NOUN
fbem-23714	65	15	needs	need	NOUN
fbem-23714	65	16	.	.	PUNCT
fbem-23714	66	1	digital	digital	ADJ
fbem-23714	66	2	banking	banking	NOUN
fbem-23714	66	3	services	service	NOUN
fbem-23714	66	4	can	can	AUX
fbem-23714	66	5	provide	provide	VERB
fbem-23714	66	6	personalized	personalized	ADJ
fbem-23714	66	7	recommendations	recommendation	NOUN
fbem-23714	66	8	,	,	PUNCT
fbem-23714	66	9	products	product	NOUN
fbem-23714	66	10	and	and	CCONJ
fbem-23714	66	11	services	service	NOUN
fbem-23714	66	12	based	base	VERB
fbem-23714	66	13	on	on	ADP
fbem-23714	66	14	factors	factor	NOUN
fbem-23714	66	15	such	such	ADJ
fbem-23714	66	16	as	as	ADP
fbem-23714	66	17	customer	customer	NOUN
fbem-23714	66	18	transaction	transaction	NOUN
fbem-23714	66	19	history	history	NOUN
fbem-23714	66	20	and	and	CCONJ
fbem-23714	66	21	preferences	preference	NOUN
fbem-23714	66	22	.	.	PUNCT
fbem-23714	67	1	customer	customer	NOUN
fbem-23714	67	2	satisfaction	satisfaction	NOUN
fbem-23714	67	3	refers	refer	VERB
fbem-23714	67	4	to	to	ADP
fbem-23714	67	5	customer	customer	NOUN
fbem-23714	67	6	satisfaction	satisfaction	NOUN
fbem-23714	67	7	and	and	CCONJ
fbem-23714	67	8	loyalty	loyalty	NOUN
fbem-23714	67	9	to	to	ADP
fbem-23714	67	10	digital	digital	ADJ
fbem-23714	67	11	banking	banking	NOUN
fbem-23714	67	12	services	service	NOUN
fbem-23714	67	13	.	.	PUNCT
fbem-23714	68	1	customer	customer	NOUN
fbem-23714	68	2	satisfaction	satisfaction	NOUN
fbem-23714	68	3	can	can	AUX
fbem-23714	68	4	be	be	AUX
fbem-23714	68	5	evaluated	evaluate	VERB
fbem-23714	68	6	from	from	ADP
fbem-23714	68	7	multiple	multiple	ADJ
fbem-23714	68	8	aspects	aspect	NOUN
fbem-23714	68	9	,	,	PUNCT
fbem-23714	68	10	including	include	VERB
fbem-23714	68	11	customer	customer	NOUN
fbem-23714	68	12	expectations	expectation	NOUN
fbem-23714	68	13	,	,	PUNCT
fbem-23714	68	14	experience	experience	NOUN
fbem-23714	68	15	,	,	PUNCT
fbem-23714	68	16	trust	trust	NOUN
fbem-23714	68	17	,	,	PUNCT
fbem-23714	68	18	and	and	CCONJ
fbem-23714	68	19	loyalty	loyalty	NOUN
fbem-23714	68	20	.	.	PUNCT
fbem-23714	69	1	digital	digital	ADJ
fbem-23714	69	2	banking	banking	NOUN
fbem-23714	69	3	services	service	NOUN
fbem-23714	69	4	improve	improve	VERB
fbem-23714	69	5	customer	customer	NOUN
fbem-23714	69	6	satisfaction	satisfaction	NOUN
fbem-23714	69	7	and	and	CCONJ
fbem-23714	69	8	loyalty	loyalty	NOUN
fbem-23714	69	9	by	by	ADP
fbem-23714	69	10	providing	provide	VERB
fbem-23714	69	11	convenient	convenient	ADJ
fbem-23714	69	12	,	,	PUNCT
fbem-23714	69	13	secure	secure	ADJ
fbem-23714	69	14	and	and	CCONJ
fbem-23714	69	15	personalized	personalized	ADJ
fbem-23714	69	16	services	service	NOUN
fbem-23714	69	17	,	,	PUNCT
fbem-23714	69	18	thereby	thereby	ADV
fbem-23714	69	19	enhancing	enhance	VERB
fbem-23714	69	20	the	the	DET
fbem-23714	69	21	market	market	NOUN
fbem-23714	69	22	competitiveness	competitiveness	NOUN
fbem-23714	69	23	of	of	ADP
fbem-23714	69	24	digital	digital	ADJ
fbem-23714	69	25	banking	banking	NOUN
fbem-23714	69	26	services	service	NOUN
fbem-23714	69	27	.	.	PUNCT
fbem-23714	70	1	3	3	X
fbem-23714	70	2	.	.	X
fbem-23714	70	3	research	research	NOUN
fbem-23714	70	4	and	and	CCONJ
fbem-23714	70	5	analysis	analysis	NOUN
fbem-23714	70	6	3.1	3.1	NUM
fbem-23714	70	7	.	.	PUNCT
fbem-23714	71	1	trust	trust	NOUN
fbem-23714	71	2	level	level	NOUN
fbem-23714	71	3	analysis	analysis	NOUN
fbem-23714	71	4	in	in	ADP
fbem-23714	71	5	order	order	NOUN
fbem-23714	71	6	to	to	PART
fbem-23714	71	7	evaluate	evaluate	VERB
fbem-23714	71	8	the	the	DET
fbem-23714	71	9	internal	internal	ADJ
fbem-23714	71	10	consistency	consistency	NOUN
fbem-23714	71	11	of	of	ADP
fbem-23714	71	12	the	the	DET
fbem-23714	71	13	questionnaire	questionnaire	NOUN
fbem-23714	71	14	,	,	PUNCT
fbem-23714	71	15	this	this	DET
fbem-23714	71	16	study	study	NOUN
fbem-23714	71	17	used	use	VERB
fbem-23714	71	18	spss	spss	PROPN
fbem-23714	71	19	28.0	28.0	NUM
fbem-23714	71	20	for	for	ADP
fbem-23714	71	21	reliability	reliability	NOUN
fbem-23714	71	22	analysis	analysis	NOUN
fbem-23714	71	23	.	.	PUNCT
fbem-23714	72	1	among	among	ADP
fbem-23714	72	2	them	they	PRON
fbem-23714	72	3	,	,	PUNCT
fbem-23714	72	4	the	the	DET
fbem-23714	72	5	cronbach	cronbach	NOUN
fbem-23714	72	6	's	's	PART
fbem-23714	72	7	α	α	NOUN
fbem-23714	72	8	value	value	NOUN
fbem-23714	72	9	of	of	ADP
fbem-23714	72	10	the	the	DET
fbem-23714	72	11	scale	scale	NOUN
fbem-23714	72	12	was	be	AUX
fbem-23714	72	13	used	use	VERB
fbem-23714	72	14	to	to	PART
fbem-23714	72	15	evaluate	evaluate	VERB
fbem-23714	72	16	consistency	consistency	NOUN
fbem-23714	72	17	.	.	PUNCT
fbem-23714	73	1	generally	generally	ADV
fbem-23714	73	2	,	,	PUNCT
fbem-23714	73	3	the	the	DET
fbem-23714	73	4	cronbach	cronbach	NOUN
fbem-23714	73	5	's	's	PART
fbem-23714	73	6	α	α	NOUN
fbem-23714	73	7	value	value	NOUN
fbem-23714	73	8	of	of	ADP
fbem-23714	73	9	the	the	DET
fbem-23714	73	10	total	total	ADJ
fbem-23714	73	11	scale	scale	NOUN
fbem-23714	73	12	should	should	AUX
fbem-23714	73	13	be	be	AUX
fbem-23714	73	14	higher	high	ADJ
fbem-23714	73	15	than	than	ADP
fbem-23714	73	16	0.80	0.80	NUM
fbem-23714	73	17	,	,	PUNCT
fbem-23714	73	18	and	and	CCONJ
fbem-23714	73	19	between	between	ADP
fbem-23714	73	20	0.70	0.70	NUM
fbem-23714	73	21	and	and	CCONJ
fbem-23714	73	22	0.80	0.80	NUM
fbem-23714	73	23	is	be	AUX
fbem-23714	73	24	also	also	ADV
fbem-23714	73	25	acceptable	acceptable	ADJ
fbem-23714	73	26	.	.	PUNCT
fbem-23714	74	1	for	for	ADP
fbem-23714	74	2	the	the	DET
fbem-23714	74	3	subscale	subscale	NOUN
fbem-23714	74	4	,	,	PUNCT
fbem-23714	74	5	the	the	DET
fbem-23714	74	6	cronbach	cronbach	NOUN
fbem-23714	74	7	's	's	PART
fbem-23714	74	8	α	α	NOUN
fbem-23714	74	9	value	value	NOUN
fbem-23714	74	10	should	should	AUX
fbem-23714	74	11	be	be	AUX
fbem-23714	74	12	higher	high	ADJ
fbem-23714	74	13	than	than	ADP
fbem-23714	74	14	0.60	0.60	NUM
fbem-23714	74	15	,	,	PUNCT
fbem-23714	74	16	and	and	CCONJ
fbem-23714	74	17	between	between	ADP
fbem-23714	74	18	0.60	0.60	NUM
fbem-23714	74	19	and	and	CCONJ
fbem-23714	74	20	0.70	0.70	NUM
fbem-23714	74	21	is	be	AUX
fbem-23714	74	22	also	also	ADV
fbem-23714	74	23	acceptable	acceptable	ADJ
fbem-23714	74	24	.	.	PUNCT
fbem-23714	75	1	hair	hair	NOUN
fbem-23714	75	2	et	et	PROPN
fbem-23714	75	3	al	al	PROPN
fbem-23714	75	4	.	.	PROPN
fbem-23714	76	1	(	(	PUNCT
fbem-23714	76	2	2009	2009	NUM
fbem-23714	76	3	)	)	PUNCT
fbem-23714	76	4	proposed	propose	VERB
fbem-23714	76	5	that	that	SCONJ
fbem-23714	76	6	a	a	DET
fbem-23714	76	7	cronbach	cronbach	NOUN
fbem-23714	76	8	's	's	PART
fbem-23714	76	9	α	α	NOUN
fbem-23714	76	10	value	value	NOUN
fbem-23714	76	11	greater	great	ADJ
fbem-23714	76	12	than	than	ADP
fbem-23714	76	13	0.7	0.7	NUM
fbem-23714	76	14	indicates	indicate	VERB
fbem-23714	76	15	that	that	SCONJ
fbem-23714	76	16	the	the	DET
fbem-23714	76	17	scale	scale	NOUN
fbem-23714	76	18	has	have	VERB
fbem-23714	76	19	a	a	DET
fbem-23714	76	20	high	high	ADJ
fbem-23714	76	21	reliability	reliability	NOUN
fbem-23714	76	22	.	.	PUNCT
fbem-23714	77	1	in	in	ADP
fbem-23714	77	2	exploratory	exploratory	ADJ
fbem-23714	77	3	studies	study	NOUN
fbem-23714	77	4	,	,	PUNCT
fbem-23714	77	5	the	the	DET
fbem-23714	77	6	cronbach	cronbach	NOUN
fbem-23714	77	7	's	's	PART
fbem-23714	77	8	α	α	NOUN
fbem-23714	77	9	value	value	NOUN
fbem-23714	77	10	should	should	AUX
fbem-23714	77	11	be	be	AUX
fbem-23714	77	12	at	at	ADP
fbem-23714	77	13	least	least	ADJ
fbem-23714	77	14	greater	great	ADJ
fbem-23714	77	15	than	than	ADP
fbem-23714	77	16	0.6	0.6	NUM
fbem-23714	77	17	.	.	PUNCT
fbem-23714	78	1	if	if	SCONJ
fbem-23714	78	2	the	the	DET
fbem-23714	78	3	α	α	PROPN
fbem-23714	78	4	value	value	NOUN
fbem-23714	78	5	of	of	ADP
fbem-23714	78	6	the	the	DET
fbem-23714	78	7	total	total	ADJ
fbem-23714	78	8	scale	scale	NOUN
fbem-23714	78	9	is	be	AUX
fbem-23714	78	10	less	less	ADJ
fbem-23714	78	11	than	than	ADP
fbem-23714	78	12	0.70	0.70	NUM
fbem-23714	78	13	or	or	CCONJ
fbem-23714	78	14	the	the	DET
fbem-23714	78	15	α	α	NOUN
fbem-23714	78	16	value	value	NOUN
fbem-23714	78	17	of	of	ADP
fbem-23714	78	18	the	the	DET
fbem-23714	78	19	subscale	subscale	NOUN
fbem-23714	78	20	is	be	AUX
fbem-23714	78	21	less	less	ADJ
fbem-23714	78	22	than	than	ADP
fbem-23714	78	23	0.60	0.60	NUM
fbem-23714	78	24	,	,	PUNCT
fbem-23714	78	25	it	it	PRON
fbem-23714	78	26	is	be	AUX
fbem-23714	78	27	necessary	necessary	ADJ
fbem-23714	78	28	to	to	PART
fbem-23714	78	29	consider	consider	VERB
fbem-23714	78	30	revising	revise	VERB
fbem-23714	78	31	the	the	DET
fbem-23714	78	32	scale	scale	NOUN
fbem-23714	78	33	or	or	CCONJ
fbem-23714	78	34	adding	add	VERB
fbem-23714	78	35	or	or	CCONJ
fbem-23714	78	36	deleting	delete	VERB
fbem-23714	78	37	questions	question	NOUN
fbem-23714	78	38	.	.	PUNCT
fbem-23714	79	1	in	in	ADP
fbem-23714	79	2	the	the	DET
fbem-23714	79	3	reliability	reliability	NOUN
fbem-23714	79	4	analysis	analysis	NOUN
fbem-23714	79	5	,	,	PUNCT
fbem-23714	79	6	the	the	DET
fbem-23714	79	7	scale	scale	NOUN
fbem-23714	79	8	after	after	SCONJ
fbem-23714	79	9	deleting	delete	VERB
fbem-23714	79	10	items	item	NOUN
fbem-23714	79	11	is	be	AUX
fbem-23714	79	12	used	use	VERB
fbem-23714	79	13	as	as	ADP
fbem-23714	79	14	a	a	DET
fbem-23714	79	15	sensitivity	sensitivity	NOUN
fbem-23714	79	16	analysis	analysis	NOUN
fbem-23714	79	17	indicator	indicator	NOUN
fbem-23714	79	18	,	,	PUNCT
fbem-23714	79	19	and	and	CCONJ
fbem-23714	79	20	the	the	DET
fbem-23714	79	21	indicator	indicator	NOUN
fbem-23714	79	22	value	value	NOUN
fbem-23714	79	23	is	be	AUX
fbem-23714	79	24	judged	judge	VERB
fbem-23714	79	25	by	by	ADP
fbem-23714	79	26	comprehensively	comprehensively	ADV
fbem-23714	79	27	considering	consider	VERB
fbem-23714	79	28	the	the	DET
fbem-23714	79	29	corrected	correct	VERB
fbem-23714	79	30	total	total	ADJ
fbem-23714	79	31	correlation	correlation	NOUN
fbem-23714	79	32	coefficient	coefficient	NOUN
fbem-23714	79	33	(	(	PUNCT
fbem-23714	79	34	citc	citc	NOUN
fbem-23714	79	35	)	)	PUNCT
fbem-23714	79	36	and	and	CCONJ
fbem-23714	79	37	the	the	DET
fbem-23714	79	38	α	α	PROPN
fbem-23714	79	39	coefficient	coefficient	NOUN
fbem-23714	79	40	of	of	ADP
fbem-23714	79	41	the	the	DET
fbem-23714	79	42	deleted	delete	VERB
fbem-23714	79	43	items	item	NOUN
fbem-23714	79	44	.	.	PUNCT
fbem-23714	80	1	if	if	SCONJ
fbem-23714	80	2	one	one	NUM
fbem-23714	80	3	item	item	NOUN
fbem-23714	80	4	does	do	AUX
fbem-23714	80	5	not	not	PART
fbem-23714	80	6	meet	meet	VERB
fbem-23714	80	7	the	the	DET
fbem-23714	80	8	standard	standard	ADJ
fbem-23714	80	9	test	test	NOUN
fbem-23714	80	10	value	value	NOUN
fbem-23714	80	11	,	,	PUNCT
fbem-23714	80	12	consider	consider	VERB
fbem-23714	80	13	revising	revise	VERB
fbem-23714	80	14	the	the	DET
fbem-23714	80	15	question	question	NOUN
fbem-23714	80	16	or	or	CCONJ
fbem-23714	80	17	directly	directly	ADV
fbem-23714	80	18	deleting	delete	VERB
fbem-23714	80	19	it	it	PRON
fbem-23714	80	20	.	.	PUNCT
fbem-23714	81	1	in	in	ADP
fbem-23714	81	2	this	this	DET
fbem-23714	81	3	study	study	NOUN
fbem-23714	81	4	,	,	PUNCT
fbem-23714	81	5	the	the	DET
fbem-23714	81	6	total	total	ADJ
fbem-23714	81	7	scale	scale	NOUN
fbem-23714	81	8	correlation	correlation	NOUN
fbem-23714	81	9	coefficient	coefficient	NOUN
fbem-23714	81	10	citc	citc	NOUN
fbem-23714	81	11	value	value	NOUN
fbem-23714	81	12	,	,	PUNCT
fbem-23714	81	13	the	the	DET
fbem-23714	81	14	α	α	PROPN
fbem-23714	81	15	358	358	NUM
fbem-23714	81	16	coefficient	coefficient	NOUN
fbem-23714	81	17	of	of	ADP
fbem-23714	81	18	the	the	DET
fbem-23714	81	19	deleted	delete	VERB
fbem-23714	81	20	item	item	NOUN
fbem-23714	81	21	,	,	PUNCT
fbem-23714	81	22	and	and	CCONJ
fbem-23714	81	23	cronbach	cronbach	VERB
fbem-23714	81	24	's	's	PART
fbem-23714	81	25	α	α	NOUN
fbem-23714	81	26	value	value	NOUN
fbem-23714	81	27	were	be	AUX
fbem-23714	81	28	used	use	VERB
fbem-23714	81	29	to	to	PART
fbem-23714	81	30	test	test	VERB
fbem-23714	81	31	the	the	DET
fbem-23714	81	32	overall	overall	ADJ
fbem-23714	81	33	reliability	reliability	NOUN
fbem-23714	81	34	and	and	CCONJ
fbem-23714	81	35	dimensional	dimensional	ADJ
fbem-23714	81	36	reliability	reliability	NOUN
fbem-23714	81	37	.	.	PUNCT
fbem-23714	82	1	the	the	DET
fbem-23714	82	2	α	α	PROPN
fbem-23714	82	3	value	value	NOUN
fbem-23714	82	4	of	of	ADP
fbem-23714	82	5	the	the	DET
fbem-23714	82	6	total	total	ADJ
fbem-23714	82	7	scale	scale	NOUN
fbem-23714	82	8	should	should	AUX
fbem-23714	82	9	be	be	AUX
fbem-23714	82	10	greater	great	ADJ
fbem-23714	82	11	than	than	ADP
fbem-23714	82	12	0.7	0.7	NUM
fbem-23714	82	13	,	,	PUNCT
fbem-23714	82	14	and	and	CCONJ
fbem-23714	82	15	the	the	DET
fbem-23714	82	16	citc	citc	NOUN
fbem-23714	82	17	value	value	NOUN
fbem-23714	82	18	should	should	AUX
fbem-23714	82	19	be	be	AUX
fbem-23714	82	20	greater	great	ADJ
fbem-23714	82	21	than	than	ADP
fbem-23714	82	22	0.4	0.4	NUM
fbem-23714	82	23	.	.	PUNCT
fbem-23714	83	1	if	if	SCONJ
fbem-23714	83	2	the	the	DET
fbem-23714	83	3	citc	citc	NOUN
fbem-23714	83	4	value	value	NOUN
fbem-23714	83	5	is	be	AUX
fbem-23714	83	6	less	less	ADJ
fbem-23714	83	7	than	than	ADP
fbem-23714	83	8	0.4	0.4	NUM
fbem-23714	83	9	,	,	PUNCT
fbem-23714	83	10	and	and	CCONJ
fbem-23714	83	11	the	the	DET
fbem-23714	83	12	overall	overall	ADJ
fbem-23714	83	13	α	α	PROPN
fbem-23714	83	14	coefficient	coefficient	NOUN
fbem-23714	83	15	increases	increase	NOUN
fbem-23714	83	16	after	after	ADP
fbem-23714	83	17	deleting	delete	VERB
fbem-23714	83	18	a	a	DET
fbem-23714	83	19	question	question	NOUN
fbem-23714	83	20	,	,	PUNCT
fbem-23714	83	21	consider	consider	VERB
fbem-23714	83	22	deleting	delete	VERB
fbem-23714	83	23	the	the	DET
fbem-23714	83	24	question	question	NOUN
fbem-23714	83	25	.	.	PUNCT
fbem-23714	84	1	if	if	SCONJ
fbem-23714	84	2	the	the	DET
fbem-23714	84	3	test	test	NOUN
fbem-23714	84	4	standards	standard	NOUN
fbem-23714	84	5	of	of	ADP
fbem-23714	84	6	the	the	DET
fbem-23714	84	7	above	above	ADJ
fbem-23714	84	8	three	three	NUM
fbem-23714	84	9	conditions	condition	NOUN
fbem-23714	84	10	are	be	AUX
fbem-23714	84	11	met	meet	VERB
fbem-23714	84	12	at	at	ADP
fbem-23714	84	13	the	the	DET
fbem-23714	84	14	same	same	ADJ
fbem-23714	84	15	time	time	NOUN
fbem-23714	84	16	,	,	PUNCT
fbem-23714	84	17	it	it	PRON
fbem-23714	84	18	means	mean	VERB
fbem-23714	84	19	that	that	SCONJ
fbem-23714	84	20	the	the	DET
fbem-23714	84	21	scale	scale	NOUN
fbem-23714	84	22	has	have	VERB
fbem-23714	84	23	reliability	reliability	NOUN
fbem-23714	84	24	in	in	ADP
fbem-23714	84	25	the	the	DET
fbem-23714	84	26	predictive	predictive	ADJ
fbem-23714	84	27	questionnaire	questionnaire	NOUN
fbem-23714	84	28	and	and	CCONJ
fbem-23714	84	29	can	can	AUX
fbem-23714	84	30	be	be	AUX
fbem-23714	84	31	used	use	VERB
fbem-23714	84	32	in	in	ADP
fbem-23714	84	33	the	the	DET
fbem-23714	84	34	formal	formal	ADJ
fbem-23714	84	35	questionnaire	questionnaire	NOUN
fbem-23714	84	36	.	.	PUNCT
fbem-23714	85	1	table	table	NOUN
fbem-23714	85	2	1	1	NUM
fbem-23714	85	3	.	.	PUNCT
fbem-23714	85	4	initial	initial	ADJ
fbem-23714	85	5	reliability	reliability	NOUN
fbem-23714	85	6	of	of	ADP
fbem-23714	85	7	the	the	DET
fbem-23714	85	8	digital	digital	ADJ
fbem-23714	85	9	banking	banking	NOUN
fbem-23714	85	10	service	service	NOUN
fbem-23714	85	11	scale	scale	NOUN
fbem-23714	85	12	name	name	NOUN
fbem-23714	85	13	corrected	correct	VERB
fbem-23714	85	14	total	total	ADJ
fbem-23714	85	15	correlation	correlation	NOUN
fbem-23714	85	16	(	(	PUNCT
fbem-23714	85	17	citc	citc	NOUN
fbem-23714	85	18	)	)	PUNCT
fbem-23714	86	1	α	α	PROPN
fbem-23714	86	2	coefficient	coefficient	NOUN
fbem-23714	86	3	with	with	ADP
fbem-23714	86	4	term	term	NOUN
fbem-23714	86	5	removed	remove	VERB
fbem-23714	86	6	cronbach	cronbach	NOUN
fbem-23714	86	7	's	's	PART
fbem-23714	86	8	α	α	PRON
fbem-23714	86	9	coefficient	coefficient	NOUN
fbem-23714	86	10	conve	conve	ADJ
fbem-23714	86	11	nience	nience	NOUN
fbem-23714	86	12	(	(	PUNCT
fbem-23714	86	13	cv	cv	PROPN
fbem-23714	86	14	)	)	PUNCT
fbem-23714	86	15	po1	po1	VERB
fbem-23714	86	16	0.815	0.815	NUM
fbem-23714	86	17	0.894	0.894	NUM
fbem-23714	86	18	0.873	0.873	NUM
fbem-23714	86	19	po2	po2	PROPN
fbem-23714	86	20	0.693	0.693	NUM
fbem-23714	86	21	0.889	0.889	NUM
fbem-23714	86	22	po3	po3	NOUN
fbem-23714	86	23	0.596	0.596	NUM
fbem-23714	86	24	0.846	0.846	NUM
fbem-23714	86	25	po4	po4	PROPN
fbem-23714	86	26	0.614	0.614	NUM
fbem-23714	86	27	0.867	0.867	NUM
fbem-23714	86	28	po5	po5	PROPN
fbem-23714	86	29	0.628	0.628	NUM
fbem-23714	86	30	0.881	0.881	NUM
fbem-23714	86	31	po6	po6	PROPN
fbem-23714	86	32	0.734	0.734	NUM
fbem-23714	86	33	0.862	0.862	NUM
fbem-23714	86	34	safety	safety	NOUN
fbem-23714	86	35	(	(	PUNCT
fbem-23714	86	36	sf	sf	PROPN
fbem-23714	86	37	)	)	PUNCT
fbem-23714	86	38	re1	re1	PROPN
fbem-23714	86	39	0.784	0.784	NUM
fbem-23714	86	40	0.903	0.903	NUM
fbem-23714	86	41	0.882	0.882	NUM
fbem-23714	86	42	re2	re2	NOUN
fbem-23714	86	43	0.672	0.672	NUM
fbem-23714	86	44	0.887	0.887	NUM
fbem-23714	86	45	re3	re3	PROPN
fbem-23714	86	46	0.587	0.587	NUM
fbem-23714	86	47	0.852	0.852	NUM
fbem-23714	86	48	re4	re4	VERB
fbem-23714	86	49	0.523	0.523	NUM
fbem-23714	86	50	0.869	0.869	NUM
fbem-23714	86	51	re5	re5	NOUN
fbem-23714	86	52	0.615	0.615	NUM
fbem-23714	86	53	0.876	0.876	NUM
fbem-23714	86	54	re6	re6	NOUN
fbem-23714	86	55	0.732	0.732	NUM
fbem-23714	86	56	0.851	0.851	NUM
fbem-23714	86	57	person	person	NOUN
fbem-23714	86	58	alized	alize	VERB
fbem-23714	86	59	servic	servic	ADJ
fbem-23714	86	60	e	e	X
fbem-23714	86	61	(	(	PUNCT
fbem-23714	86	62	ps	ps	NOUN
fbem-23714	86	63	)	)	PUNCT
fbem-23714	86	64	sa1	sa1	NOUN
fbem-23714	86	65	0.781	0.781	NUM
fbem-23714	86	66	0.898	0.898	NUM
fbem-23714	86	67	0.875	0.875	NUM
fbem-23714	86	68	sa2	sa2	NOUN
fbem-23714	86	69	0.678	0.678	NUM
fbem-23714	86	70	0.895	0.895	NUM
fbem-23714	86	71	sa3	sa3	NOUN
fbem-23714	86	72	0.573	0.573	NUM
fbem-23714	86	73	0.846	0.846	NUM
fbem-23714	86	74	sa4	sa4	NOUN
fbem-23714	86	75	0.520	0.520	NUM
fbem-23714	86	76	0.876	0.876	NUM
fbem-23714	86	77	sa5	sa5	NOUN
fbem-23714	86	78	0.619	0.619	NUM
fbem-23714	86	79	0.879	0.879	NUM
fbem-23714	86	80	sa6	sa6	NOUN
fbem-23714	86	81	0.749	0.749	NUM
fbem-23714	86	82	0.857	0.857	NUM
fbem-23714	86	83	note	note	NOUN
fbem-23714	86	84	:	:	PUNCT
fbem-23714	86	85	convenience	convenience	NOUN
fbem-23714	86	86	(	(	PUNCT
fbem-23714	86	87	cv	cv	PROPN
fbem-23714	86	88	)	)	PUNCT
fbem-23714	86	89	;	;	PUNCT
fbem-23714	87	1	safety	safety	NOUN
fbem-23714	87	2	(	(	PUNCT
fbem-23714	87	3	sf	sf	PROPN
fbem-23714	87	4	)	)	PUNCT
fbem-23714	87	5	;	;	PUNCT
fbem-23714	87	6	personalized	personalized	ADJ
fbem-23714	87	7	service	service	NOUN
fbem-23714	87	8	(	(	PUNCT
fbem-23714	87	9	ps	ps	NOUN
fbem-23714	87	10	)	)	PUNCT
fbem-23714	87	11	according	accord	VERB
fbem-23714	87	12	to	to	ADP
fbem-23714	87	13	the	the	DET
fbem-23714	87	14	results	result	NOUN
fbem-23714	87	15	in	in	ADP
fbem-23714	87	16	table	table	NOUN
fbem-23714	87	17	1	1	NUM
fbem-23714	87	18	,	,	PUNCT
fbem-23714	87	19	the	the	DET
fbem-23714	87	20	reliability	reliability	NOUN
fbem-23714	87	21	coefficients	coefficient	NOUN
fbem-23714	87	22	of	of	ADP
fbem-23714	87	23	the	the	DET
fbem-23714	87	24	three	three	NUM
fbem-23714	87	25	dimensions	dimension	NOUN
fbem-23714	87	26	of	of	ADP
fbem-23714	87	27	convenience	convenience	NOUN
fbem-23714	87	28	,	,	PUNCT
fbem-23714	87	29	security	security	NOUN
fbem-23714	87	30	,	,	PUNCT
fbem-23714	87	31	and	and	CCONJ
fbem-23714	87	32	personalized	personalized	ADJ
fbem-23714	87	33	services	service	NOUN
fbem-23714	87	34	are	be	AUX
fbem-23714	87	35	0.873	0.873	NUM
fbem-23714	87	36	,	,	PUNCT
fbem-23714	87	37	0.882	0.882	NUM
fbem-23714	87	38	,	,	PUNCT
fbem-23714	87	39	and	and	CCONJ
fbem-23714	87	40	0.875	0.875	NUM
fbem-23714	87	41	,	,	PUNCT
fbem-23714	87	42	respectively	respectively	ADV
fbem-23714	87	43	,	,	PUNCT
fbem-23714	87	44	all	all	PRON
fbem-23714	87	45	higher	high	ADJ
fbem-23714	87	46	than	than	ADP
fbem-23714	87	47	the	the	DET
fbem-23714	87	48	reliability	reliability	NOUN
fbem-23714	87	49	standard	standard	ADJ
fbem-23714	87	50	value	value	NOUN
fbem-23714	87	51	of	of	ADP
fbem-23714	87	52	0.7	0.7	NUM
fbem-23714	87	53	.	.	PUNCT
fbem-23714	88	1	at	at	ADP
fbem-23714	88	2	the	the	DET
fbem-23714	88	3	same	same	ADJ
fbem-23714	88	4	time	time	NOUN
fbem-23714	88	5	,	,	PUNCT
fbem-23714	88	6	the	the	DET
fbem-23714	88	7	citc	citc	NOUN
fbem-23714	88	8	values	value	NOUN
fbem-23714	88	9	of	of	ADP
fbem-23714	88	10	the	the	DET
fbem-23714	88	11	analysis	analysis	NOUN
fbem-23714	88	12	items	item	NOUN
fbem-23714	88	13	are	be	AUX
fbem-23714	88	14	also	also	ADV
fbem-23714	88	15	greater	great	ADJ
fbem-23714	88	16	than	than	ADP
fbem-23714	88	17	0.4	0.4	NUM
fbem-23714	88	18	,	,	PUNCT
fbem-23714	88	19	indicating	indicate	VERB
fbem-23714	88	20	that	that	SCONJ
fbem-23714	88	21	there	there	PRON
fbem-23714	88	22	is	be	VERB
fbem-23714	88	23	a	a	DET
fbem-23714	88	24	good	good	ADJ
fbem-23714	88	25	correlation	correlation	NOUN
fbem-23714	88	26	between	between	ADP
fbem-23714	88	27	the	the	DET
fbem-23714	88	28	analysis	analysis	NOUN
fbem-23714	88	29	items	item	NOUN
fbem-23714	88	30	.	.	PUNCT
fbem-23714	89	1	therefore	therefore	ADV
fbem-23714	89	2	,	,	PUNCT
fbem-23714	89	3	it	it	PRON
fbem-23714	89	4	can	can	AUX
fbem-23714	89	5	be	be	AUX
fbem-23714	89	6	concluded	conclude	VERB
fbem-23714	89	7	that	that	SCONJ
fbem-23714	89	8	the	the	DET
fbem-23714	89	9	digital	digital	ADJ
fbem-23714	89	10	banking	banking	NOUN
fbem-23714	89	11	service	service	NOUN
fbem-23714	89	12	scale	scale	NOUN
fbem-23714	89	13	performs	perform	VERB
fbem-23714	89	14	well	well	ADV
fbem-23714	89	15	in	in	ADP
fbem-23714	89	16	terms	term	NOUN
fbem-23714	89	17	of	of	ADP
fbem-23714	89	18	reliability	reliability	NOUN
fbem-23714	89	19	and	and	CCONJ
fbem-23714	89	20	relevance	relevance	NOUN
fbem-23714	89	21	.	.	PUNCT
fbem-23714	90	1	the	the	DET
fbem-23714	90	2	reliability	reliability	NOUN
fbem-23714	90	3	coefficient	coefficient	NOUN
fbem-23714	90	4	values	value	NOUN
fbem-23714	90	5	of	of	ADP
fbem-23714	90	6	the	the	DET
fbem-23714	90	7	three	three	NUM
fbem-23714	90	8	dimensions	dimension	NOUN
fbem-23714	90	9	are	be	AUX
fbem-23714	90	10	0.873	0.873	NUM
fbem-23714	90	11	,	,	PUNCT
fbem-23714	90	12	0.882	0.882	NUM
fbem-23714	90	13	,	,	PUNCT
fbem-23714	90	14	and	and	CCONJ
fbem-23714	90	15	0.875	0.875	NUM
fbem-23714	90	16	,	,	PUNCT
fbem-23714	90	17	respectively	respectively	ADV
fbem-23714	90	18	,	,	PUNCT
fbem-23714	90	19	which	which	PRON
fbem-23714	90	20	further	far	ADV
fbem-23714	90	21	confirms	confirm	VERB
fbem-23714	90	22	that	that	SCONJ
fbem-23714	90	23	the	the	DET
fbem-23714	90	24	reliability	reliability	NOUN
fbem-23714	90	25	quality	quality	NOUN
fbem-23714	90	26	of	of	ADP
fbem-23714	90	27	the	the	DET
fbem-23714	90	28	data	data	NOUN
fbem-23714	90	29	is	be	AUX
fbem-23714	90	30	good	good	ADJ
fbem-23714	90	31	.	.	PUNCT
fbem-23714	91	1	table	table	NOUN
fbem-23714	91	2	2	2	NUM
fbem-23714	91	3	.	.	X
fbem-23714	91	4	customer	customer	NOUN
fbem-23714	91	5	satisfaction	satisfaction	NOUN
fbem-23714	91	6	scale	scale	NOUN
fbem-23714	91	7	reliability	reliability	NOUN
fbem-23714	91	8	name	name	NOUN
fbem-23714	91	9	corrected	correct	VERB
fbem-23714	91	10	total	total	ADJ
fbem-23714	91	11	correlation	correlation	NOUN
fbem-23714	91	12	(	(	PUNCT
fbem-23714	91	13	citc	citc	NOUN
fbem-23714	91	14	)	)	PUNCT
fbem-23714	92	1	α	α	PROPN
fbem-23714	92	2	coefficient	coefficient	NOUN
fbem-23714	92	3	with	with	ADP
fbem-23714	92	4	term	term	NOUN
fbem-23714	92	5	removed	remove	VERB
fbem-23714	92	6	cronbach	cronbach	NOUN
fbem-23714	92	7	's	's	PART
fbem-23714	92	8	α	α	NOUN
fbem-23714	92	9	coefficient	coefficient	NOUN
fbem-23714	92	10	satisf	satisf	NOUN
fbem-23714	92	11	action	action	NOUN
fbem-23714	92	12	(	(	PUNCT
fbem-23714	92	13	st	st	PROPN
fbem-23714	92	14	)	)	PUNCT
fbem-23714	92	15	st1	st1	PROPN
fbem-23714	92	16	0.643	0.643	NUM
fbem-23714	92	17	0.869	0.869	NUM
fbem-23714	92	18	0.874	0.874	NUM
fbem-23714	92	19	st2	st2	NOUN
fbem-23714	92	20	0.698	0.698	NUM
fbem-23714	92	21	0.879	0.879	NUM
fbem-23714	92	22	st3	st3	PROPN
fbem-23714	92	23	0.713	0.713	NUM
fbem-23714	92	24	0.843	0.843	NUM
fbem-23714	92	25	st4	st4	NOUN
fbem-23714	92	26	0.595	0.595	NUM
fbem-23714	92	27	0.862	0.862	NUM
fbem-23714	92	28	st5	st5	NOUN
fbem-23714	92	29	0.824	0.824	NUM
fbem-23714	92	30	0.853	0.853	NUM
fbem-23714	92	31	st6	st6	NOUN
fbem-23714	92	32	0.678	0.678	NUM
fbem-23714	92	33	0.881	0.881	NUM
fbem-23714	92	34	note	note	NOUN
fbem-23714	92	35	:	:	PUNCT
fbem-23714	92	36	satisfaction	satisfaction	NOUN
fbem-23714	92	37	(	(	PUNCT
fbem-23714	92	38	st	st	PROPN
fbem-23714	92	39	)	)	PUNCT
fbem-23714	92	40	according	accord	VERB
fbem-23714	92	41	to	to	ADP
fbem-23714	92	42	the	the	DET
fbem-23714	92	43	data	datum	NOUN
fbem-23714	92	44	in	in	ADP
fbem-23714	92	45	table	table	NOUN
fbem-23714	92	46	2	2	NUM
fbem-23714	92	47	,	,	PUNCT
fbem-23714	92	48	we	we	PRON
fbem-23714	92	49	can	can	AUX
fbem-23714	92	50	observe	observe	VERB
fbem-23714	92	51	that	that	SCONJ
fbem-23714	92	52	the	the	DET
fbem-23714	92	53	values	value	NOUN
fbem-23714	92	54	of	of	ADP
fbem-23714	92	55	the	the	DET
fbem-23714	92	56	corrected	correct	VERB
fbem-23714	92	57	total	total	ADJ
fbem-23714	92	58	correlation	correlation	NOUN
fbem-23714	92	59	coefficient	coefficient	NOUN
fbem-23714	92	60	(	(	PUNCT
fbem-23714	92	61	citc	citc	NOUN
fbem-23714	92	62	)	)	PUNCT
fbem-23714	92	63	are	be	AUX
fbem-23714	92	64	all	all	ADV
fbem-23714	92	65	greater	great	ADJ
fbem-23714	92	66	than	than	ADP
fbem-23714	92	67	0.4	0.4	NUM
fbem-23714	92	68	,	,	PUNCT
fbem-23714	92	69	which	which	PRON
fbem-23714	92	70	indicates	indicate	VERB
fbem-23714	92	71	that	that	SCONJ
fbem-23714	92	72	there	there	PRON
fbem-23714	92	73	is	be	VERB
fbem-23714	92	74	a	a	DET
fbem-23714	92	75	good	good	ADJ
fbem-23714	92	76	correlation	correlation	NOUN
fbem-23714	92	77	between	between	ADP
fbem-23714	92	78	the	the	DET
fbem-23714	92	79	items	item	NOUN
fbem-23714	92	80	.	.	PUNCT
fbem-23714	93	1	in	in	ADP
fbem-23714	93	2	addition	addition	NOUN
fbem-23714	93	3	,	,	PUNCT
fbem-23714	93	4	the	the	DET
fbem-23714	93	5	α	α	PROPN
fbem-23714	93	6	coefficient	coefficient	NOUN
fbem-23714	93	7	after	after	ADP
fbem-23714	93	8	deleting	delete	VERB
fbem-23714	93	9	each	each	DET
fbem-23714	93	10	item	item	NOUN
fbem-23714	93	11	is	be	AUX
fbem-23714	93	12	less	less	ADJ
fbem-23714	93	13	than	than	ADP
fbem-23714	93	14	the	the	DET
fbem-23714	93	15	overall	overall	ADJ
fbem-23714	93	16	cronbach	cronbach	NOUN
fbem-23714	93	17	's	's	PART
fbem-23714	93	18	α	α	NOUN
fbem-23714	93	19	coefficient	coefficient	NOUN
fbem-23714	93	20	,	,	PUNCT
fbem-23714	93	21	which	which	PRON
fbem-23714	93	22	indicates	indicate	VERB
fbem-23714	93	23	that	that	SCONJ
fbem-23714	93	24	each	each	DET
fbem-23714	93	25	item	item	NOUN
fbem-23714	93	26	plays	play	VERB
fbem-23714	93	27	an	an	DET
fbem-23714	93	28	important	important	ADJ
fbem-23714	93	29	role	role	NOUN
fbem-23714	93	30	in	in	ADP
fbem-23714	93	31	the	the	DET
fbem-23714	93	32	reliability	reliability	NOUN
fbem-23714	93	33	of	of	ADP
fbem-23714	93	34	the	the	DET
fbem-23714	93	35	entire	entire	ADJ
fbem-23714	93	36	scale	scale	NOUN
fbem-23714	93	37	.	.	PUNCT
fbem-23714	94	1	finally	finally	ADV
fbem-23714	94	2	,	,	PUNCT
fbem-23714	94	3	the	the	DET
fbem-23714	94	4	cronbach	cronbach	NOUN
fbem-23714	94	5	's	's	PART
fbem-23714	94	6	α	α	NOUN
fbem-23714	94	7	coefficient	coefficient	NOUN
fbem-23714	94	8	of	of	ADP
fbem-23714	94	9	the	the	DET
fbem-23714	94	10	scale	scale	NOUN
fbem-23714	94	11	is	be	AUX
fbem-23714	94	12	0.874	0.874	NUM
fbem-23714	94	13	,	,	PUNCT
fbem-23714	94	14	indicating	indicate	VERB
fbem-23714	94	15	that	that	SCONJ
fbem-23714	94	16	its	its	PRON
fbem-23714	94	17	reliability	reliability	NOUN
fbem-23714	94	18	level	level	NOUN
fbem-23714	94	19	is	be	AUX
fbem-23714	94	20	good	good	ADJ
fbem-23714	94	21	.	.	PUNCT
fbem-23714	95	1	in	in	ADP
fbem-23714	95	2	summary	summary	NOUN
fbem-23714	95	3	,	,	PUNCT
fbem-23714	95	4	the	the	DET
fbem-23714	95	5	data	datum	NOUN
fbem-23714	95	6	reliability	reliability	NOUN
fbem-23714	95	7	coefficient	coefficient	NOUN
fbem-23714	95	8	value	value	NOUN
fbem-23714	95	9	of	of	ADP
fbem-23714	95	10	the	the	DET
fbem-23714	95	11	scale	scale	NOUN
fbem-23714	95	12	is	be	AUX
fbem-23714	95	13	0.874	0.874	NUM
fbem-23714	95	14	,	,	PUNCT
fbem-23714	95	15	which	which	PRON
fbem-23714	95	16	comprehensively	comprehensively	ADV
fbem-23714	95	17	indicates	indicate	VERB
fbem-23714	95	18	that	that	SCONJ
fbem-23714	95	19	the	the	DET
fbem-23714	95	20	data	data	NOUN
fbem-23714	95	21	reliability	reliability	NOUN
fbem-23714	95	22	quality	quality	NOUN
fbem-23714	95	23	is	be	AUX
fbem-23714	95	24	excellent	excellent	ADJ
fbem-23714	95	25	.	.	PUNCT
fbem-23714	96	1	3.2	3.2	NUM
fbem-23714	96	2	.	.	PUNCT
fbem-23714	97	1	validity	validity	NOUN
fbem-23714	97	2	analysis	analysis	NOUN
fbem-23714	97	3	validity	validity	NOUN
fbem-23714	97	4	refers	refer	VERB
fbem-23714	97	5	to	to	ADP
fbem-23714	97	6	the	the	DET
fbem-23714	97	7	degree	degree	NOUN
fbem-23714	97	8	of	of	ADP
fbem-23714	97	9	consistency	consistency	NOUN
fbem-23714	97	10	between	between	ADP
fbem-23714	97	11	the	the	DET
fbem-23714	97	12	measurement	measurement	NOUN
fbem-23714	97	13	results	result	NOUN
fbem-23714	97	14	and	and	CCONJ
fbem-23714	97	15	the	the	DET
fbem-23714	97	16	content	content	NOUN
fbem-23714	97	17	to	to	PART
fbem-23714	97	18	be	be	AUX
fbem-23714	97	19	examined	examine	VERB
fbem-23714	97	20	.	.	PUNCT
fbem-23714	98	1	if	if	SCONJ
fbem-23714	98	2	the	the	DET
fbem-23714	98	3	measurement	measurement	NOUN
fbem-23714	98	4	results	result	NOUN
fbem-23714	98	5	are	be	AUX
fbem-23714	98	6	more	more	ADV
fbem-23714	98	7	consistent	consistent	ADJ
fbem-23714	98	8	with	with	ADP
fbem-23714	98	9	the	the	DET
fbem-23714	98	10	content	content	NOUN
fbem-23714	98	11	to	to	PART
fbem-23714	98	12	be	be	AUX
fbem-23714	98	13	examined	examine	VERB
fbem-23714	98	14	,	,	PUNCT
fbem-23714	98	15	the	the	DET
fbem-23714	98	16	validity	validity	NOUN
fbem-23714	98	17	is	be	AUX
fbem-23714	98	18	higher	high	ADJ
fbem-23714	98	19	;	;	PUNCT
fbem-23714	98	20	otherwise	otherwise	ADV
fbem-23714	98	21	,	,	PUNCT
fbem-23714	98	22	the	the	DET
fbem-23714	98	23	validity	validity	NOUN
fbem-23714	98	24	is	be	AUX
fbem-23714	98	25	lower	low	ADJ
fbem-23714	98	26	.	.	PUNCT
fbem-23714	99	1	assessing	assess	VERB
fbem-23714	99	2	validity	validity	NOUN
fbem-23714	99	3	usually	usually	ADV
fbem-23714	99	4	requires	require	VERB
fbem-23714	99	5	considering	consider	VERB
fbem-23714	99	6	the	the	DET
fbem-23714	99	7	significance	significance	NOUN
fbem-23714	99	8	of	of	ADP
fbem-23714	99	9	the	the	DET
fbem-23714	99	10	kmo	kmo	PROPN
fbem-23714	99	11	coefficient	coefficient	NOUN
fbem-23714	99	12	and	and	CCONJ
fbem-23714	99	13	bartlett	bartlett	PROPN
fbem-23714	99	14	's	's	PART
fbem-23714	99	15	test	test	NOUN
fbem-23714	99	16	of	of	ADP
fbem-23714	99	17	sphericity	sphericity	NOUN
fbem-23714	99	18	.	.	PUNCT
fbem-23714	100	1	the	the	DET
fbem-23714	100	2	value	value	NOUN
fbem-23714	100	3	range	range	NOUN
fbem-23714	100	4	of	of	ADP
fbem-23714	100	5	the	the	DET
fbem-23714	100	6	kmo	kmo	PROPN
fbem-23714	100	7	coefficient	coefficient	NOUN
fbem-23714	100	8	is	be	AUX
fbem-23714	100	9	between	between	ADP
fbem-23714	100	10	0	0	NUM
fbem-23714	100	11	and	and	CCONJ
fbem-23714	100	12	1	1	NUM
fbem-23714	100	13	.	.	PUNCT
fbem-23714	101	1	the	the	DET
fbem-23714	101	2	closer	close	ADJ
fbem-23714	101	3	to	to	ADP
fbem-23714	101	4	1	1	NUM
fbem-23714	101	5	,	,	PUNCT
fbem-23714	101	6	the	the	PRON
fbem-23714	101	7	better	well	ADJ
fbem-23714	101	8	the	the	DET
fbem-23714	101	9	structural	structural	ADJ
fbem-23714	101	10	validity	validity	NOUN
fbem-23714	101	11	of	of	ADP
fbem-23714	101	12	the	the	DET
fbem-23714	101	13	questionnaire	questionnaire	NOUN
fbem-23714	101	14	.	.	PUNCT
fbem-23714	102	1	if	if	SCONJ
fbem-23714	102	2	the	the	DET
fbem-23714	102	3	significance	significance	NOUN
fbem-23714	102	4	of	of	ADP
fbem-23714	102	5	bartlett	bartlett	PROPN
fbem-23714	102	6	's	's	PART
fbem-23714	102	7	sphericity	sphericity	NOUN
fbem-23714	102	8	test	test	NOUN
fbem-23714	102	9	is	be	AUX
fbem-23714	102	10	less	less	ADJ
fbem-23714	102	11	than	than	ADP
fbem-23714	102	12	0.05	0.05	NUM
fbem-23714	102	13	,	,	PUNCT
fbem-23714	102	14	the	the	DET
fbem-23714	102	15	questionnaire	questionnaire	NOUN
fbem-23714	102	16	can	can	AUX
fbem-23714	102	17	be	be	AUX
fbem-23714	102	18	considered	consider	VERB
fbem-23714	102	19	to	to	PART
fbem-23714	102	20	have	have	VERB
fbem-23714	102	21	good	good	ADJ
fbem-23714	102	22	structural	structural	ADJ
fbem-23714	102	23	validity	validity	NOUN
fbem-23714	102	24	.	.	PUNCT
fbem-23714	103	1	table	table	NOUN
fbem-23714	104	1	3	3	NUM
fbem-23714	104	2	.	.	PUNCT
fbem-23714	105	1	validity	validity	NOUN
fbem-23714	105	2	analysis	analysis	NOUN
fbem-23714	105	3	table	table	NOUN
fbem-23714	105	4	kmo	kmo	PROPN
fbem-23714	105	5	and	and	CCONJ
fbem-23714	105	6	bartlett	bartlett	PROPN
fbem-23714	105	7	's	's	PART
fbem-23714	105	8	test	test	NOUN
fbem-23714	105	9	kmo	kmo	NOUN
fbem-23714	105	10	sampling	sample	VERB
fbem-23714	105	11	suitability	suitability	NOUN
fbem-23714	105	12	measure	measure	NOUN
fbem-23714	105	13	0.771	0.771	NUM
fbem-23714	105	14	bartlett	bartlett	NOUN
fbem-23714	105	15	's	's	PART
fbem-23714	105	16	test	test	NOUN
fbem-23714	105	17	of	of	ADP
fbem-23714	105	18	sphericity	sphericity	PROPN
fbem-23714	105	19	approximate	approximate	ADJ
fbem-23714	105	20	chi	chi	ADJ
fbem-23714	105	21	-	-	PUNCT
fbem-23714	105	22	square	square	ADJ
fbem-23714	105	23	2814.172	2814.172	NUM
fbem-23714	105	24	degrees	degree	NOUN
fbem-23714	105	25	of	of	ADP
fbem-23714	105	26	freedom	freedom	NOUN
fbem-23714	105	27	1121.381	1121.381	NUM
fbem-23714	105	28	significance	significance	NOUN
fbem-23714	105	29	0.000	0.000	NUM
fbem-23714	105	30	source	source	NOUN
fbem-23714	105	31	:	:	PUNCT
fbem-23714	105	32	this	this	DET
fbem-23714	105	33	study	study	NOUN
fbem-23714	105	34	compiled	compile	VERB
fbem-23714	105	35	based	base	VERB
fbem-23714	105	36	on	on	ADP
fbem-23714	105	37	the	the	DET
fbem-23714	105	38	data	datum	NOUN
fbem-23714	105	39	in	in	ADP
fbem-23714	105	40	table	table	NOUN
fbem-23714	105	41	3	3	NUM
fbem-23714	105	42	,	,	PUNCT
fbem-23714	105	43	we	we	PRON
fbem-23714	105	44	conducted	conduct	VERB
fbem-23714	105	45	kmo	kmo	PROPN
fbem-23714	105	46	and	and	CCONJ
fbem-23714	105	47	bartlett	bartlett	PROPN
fbem-23714	105	48	tests	test	NOUN
fbem-23714	105	49	to	to	PART
fbem-23714	105	50	verify	verify	VERB
fbem-23714	105	51	the	the	DET
fbem-23714	105	52	validity	validity	NOUN
fbem-23714	105	53	of	of	ADP
fbem-23714	105	54	the	the	DET
fbem-23714	105	55	questionnaire	questionnaire	NOUN
fbem-23714	105	56	.	.	PUNCT
fbem-23714	106	1	the	the	DET
fbem-23714	106	2	coefficient	coefficient	NOUN
fbem-23714	106	3	result	result	NOUN
fbem-23714	106	4	of	of	ADP
fbem-23714	106	5	the	the	DET
fbem-23714	106	6	kmo	kmo	PROPN
fbem-23714	106	7	test	test	NOUN
fbem-23714	106	8	is	be	AUX
fbem-23714	106	9	0.771	0.771	NUM
fbem-23714	106	10	,	,	PUNCT
fbem-23714	106	11	and	and	CCONJ
fbem-23714	106	12	the	the	DET
fbem-23714	106	13	chi	chi	ADJ
fbem-23714	106	14	-	-	PUNCT
fbem-23714	106	15	square	square	ADJ
fbem-23714	106	16	value	value	NOUN
fbem-23714	106	17	of	of	ADP
fbem-23714	106	18	the	the	DET
fbem-23714	106	19	bartlett	bartlett	PROPN
fbem-23714	106	20	test	test	NOUN
fbem-23714	106	21	is	be	AUX
fbem-23714	106	22	2814.172	2814.172	NUM
fbem-23714	106	23	(	(	PUNCT
fbem-23714	106	24	sig.=0.000<0.01	sig.=0.000<0.01	PROPN
fbem-23714	106	25	)	)	PUNCT
fbem-23714	106	26	.	.	PUNCT
fbem-23714	107	1	these	these	DET
fbem-23714	107	2	results	result	NOUN
fbem-23714	107	3	indicate	indicate	VERB
fbem-23714	107	4	that	that	SCONJ
fbem-23714	107	5	the	the	DET
fbem-23714	107	6	questionnaire	questionnaire	NOUN
fbem-23714	107	7	has	have	VERB
fbem-23714	107	8	good	good	ADJ
fbem-23714	107	9	overall	overall	ADJ
fbem-23714	107	10	validity	validity	NOUN
fbem-23714	107	11	.	.	PUNCT
fbem-23714	108	1	the	the	DET
fbem-23714	108	2	kmo	kmo	PROPN
fbem-23714	108	3	coefficient	coefficient	NOUN
fbem-23714	108	4	reflects	reflect	VERB
fbem-23714	108	5	the	the	DET
fbem-23714	108	6	correlation	correlation	NOUN
fbem-23714	108	7	between	between	ADP
fbem-23714	108	8	variables	variable	NOUN
fbem-23714	108	9	in	in	ADP
fbem-23714	108	10	the	the	DET
fbem-23714	108	11	sample	sample	NOUN
fbem-23714	108	12	.	.	PUNCT
fbem-23714	109	1	the	the	DET
fbem-23714	109	2	results	result	NOUN
fbem-23714	109	3	here	here	ADV
fbem-23714	109	4	show	show	VERB
fbem-23714	109	5	that	that	SCONJ
fbem-23714	109	6	there	there	PRON
fbem-23714	109	7	is	be	VERB
fbem-23714	109	8	a	a	DET
fbem-23714	109	9	strong	strong	ADJ
fbem-23714	109	10	correlation	correlation	NOUN
fbem-23714	109	11	between	between	ADP
fbem-23714	109	12	variables	variable	NOUN
fbem-23714	109	13	and	and	CCONJ
fbem-23714	109	14	is	be	AUX
fbem-23714	109	15	suitable	suitable	ADJ
fbem-23714	109	16	for	for	ADP
fbem-23714	109	17	factor	factor	NOUN
fbem-23714	109	18	analysis	analysis	NOUN
fbem-23714	109	19	.	.	PUNCT
fbem-23714	110	1	bartlett	bartlett	PROPN
fbem-23714	110	2	's	's	PART
fbem-23714	110	3	test	test	NOUN
fbem-23714	110	4	tests	test	VERB
fbem-23714	110	5	whether	whether	SCONJ
fbem-23714	110	6	there	there	PRON
fbem-23714	110	7	is	be	VERB
fbem-23714	110	8	a	a	DET
fbem-23714	110	9	correlation	correlation	NOUN
fbem-23714	110	10	between	between	ADP
fbem-23714	110	11	variables	variable	NOUN
fbem-23714	110	12	,	,	PUNCT
fbem-23714	110	13	and	and	CCONJ
fbem-23714	110	14	the	the	DET
fbem-23714	110	15	results	result	NOUN
fbem-23714	110	16	show	show	VERB
fbem-23714	110	17	that	that	SCONJ
fbem-23714	110	18	there	there	PRON
fbem-23714	110	19	is	be	VERB
fbem-23714	110	20	a	a	DET
fbem-23714	110	21	significant	significant	ADJ
fbem-23714	110	22	correlation	correlation	NOUN
fbem-23714	110	23	between	between	ADP
fbem-23714	110	24	variables	variable	NOUN
fbem-23714	110	25	.	.	PUNCT
fbem-23714	111	1	in	in	ADP
fbem-23714	111	2	summary	summary	NOUN
fbem-23714	111	3	,	,	PUNCT
fbem-23714	111	4	the	the	DET
fbem-23714	111	5	questionnaire	questionnaire	NOUN
fbem-23714	111	6	has	have	VERB
fbem-23714	111	7	high	high	ADJ
fbem-23714	111	8	validity	validity	NOUN
fbem-23714	111	9	and	and	CCONJ
fbem-23714	111	10	can	can	AUX
fbem-23714	111	11	be	be	AUX
fbem-23714	111	12	used	use	VERB
fbem-23714	111	13	for	for	ADP
fbem-23714	111	14	subsequent	subsequent	ADJ
fbem-23714	111	15	data	datum	NOUN
fbem-23714	111	16	analysis	analysis	NOUN
fbem-23714	111	17	.	.	PUNCT
fbem-23714	112	1	3.3	3.3	NUM
fbem-23714	112	2	.	.	PUNCT
fbem-23714	113	1	correlation	correlation	NOUN
fbem-23714	113	2	analysis	analysis	NOUN
fbem-23714	113	3	table	table	NOUN
fbem-23714	113	4	4	4	NUM
fbem-23714	113	5	.	.	PUNCT
fbem-23714	113	6	correlation	correlation	NOUN
fbem-23714	113	7	coefficient	coefficient	NOUN
fbem-23714	113	8	matrix	matrix	NOUN
fbem-23714	113	9	of	of	ADP
fbem-23714	113	10	each	each	DET
fbem-23714	113	11	variable	variable	ADJ
fbem-23714	113	12	conveni	conveni	PROPN
fbem-23714	113	13	ence	ence	NOUN
fbem-23714	113	14	safety	safety	NOUN
fbem-23714	113	15	personalize	personalize	VERB
fbem-23714	113	16	d	d	PROPN
fbem-23714	113	17	service	service	NOUN
fbem-23714	113	18	satisfact	satisfact	NOUN
fbem-23714	113	19	ion	ion	NOUN
fbem-23714	113	20	convenience	convenience	NOUN
fbem-23714	113	21	1	1	NUM
fbem-23714	113	22	safety	safety	NOUN
fbem-23714	113	23	.828	.828	NUM
fbem-23714	113	24	*	*	SYM
fbem-23714	113	25	1	1	NUM
fbem-23714	113	26	personalized	personalized	ADJ
fbem-23714	113	27	service	service	NOUN
fbem-23714	113	28	.726	.726	NUM
fbem-23714	113	29	*	*	NOUN
fbem-23714	113	30	.713	.713	NUM
fbem-23714	113	31	*	*	SYM
fbem-23714	113	32	1	1	NUM
fbem-23714	113	33	satisfaction	satisfaction	NOUN
fbem-23714	113	34	.675	.675	NUM
fbem-23714	113	35	*	*	NOUN
fbem-23714	113	36	.608	.608	NUM
fbem-23714	113	37	*	*	SYM
fbem-23714	113	38	.657	.657	NUM
fbem-23714	113	39	*	*	SYM
fbem-23714	113	40	1	1	NUM
fbem-23714	113	41	note	note	NOUN
fbem-23714	113	42	:	:	PUNCT
fbem-23714	113	43	*	*	PUNCT
fbem-23714	113	44	significance	significance	NOUN
fbem-23714	113	45	less	less	ADJ
fbem-23714	113	46	than	than	ADP
fbem-23714	113	47	0.05	0.05	NUM
fbem-23714	113	48	is	be	AUX
fbem-23714	113	49	relevant	relevant	ADJ
fbem-23714	113	50	as	as	SCONJ
fbem-23714	113	51	shown	show	VERB
fbem-23714	113	52	in	in	ADP
fbem-23714	113	53	the	the	DET
fbem-23714	113	54	table	table	NOUN
fbem-23714	113	55	,	,	PUNCT
fbem-23714	113	56	first	first	ADV
fbem-23714	113	57	,	,	PUNCT
fbem-23714	113	58	there	there	PRON
fbem-23714	113	59	is	be	VERB
fbem-23714	113	60	a	a	DET
fbem-23714	113	61	strong	strong	ADJ
fbem-23714	113	62	positive	positive	ADJ
fbem-23714	113	63	correlation	correlation	NOUN
fbem-23714	113	64	between	between	ADP
fbem-23714	113	65	the	the	DET
fbem-23714	113	66	variables	variable	NOUN
fbem-23714	113	67	.	.	PUNCT
fbem-23714	114	1	specifically	specifically	ADV
fbem-23714	114	2	,	,	PUNCT
fbem-23714	114	3	convenience	convenience	NOUN
fbem-23714	114	4	and	and	CCONJ
fbem-23714	114	5	security	security	NOUN
fbem-23714	114	6	show	show	VERB
fbem-23714	114	7	a	a	DET
fbem-23714	114	8	high	high	ADJ
fbem-23714	114	9	correlation	correlation	NOUN
fbem-23714	114	10	coefficient	coefficient	NOUN
fbem-23714	114	11	(	(	PUNCT
fbem-23714	114	12	0.828	0.828	NUM
fbem-23714	114	13	)	)	PUNCT
fbem-23714	114	14	,	,	PUNCT
fbem-23714	114	15	while	while	SCONJ
fbem-23714	114	16	convenience	convenience	NOUN
fbem-23714	114	17	and	and	CCONJ
fbem-23714	114	18	personalized	personalized	ADJ
fbem-23714	114	19	services	service	NOUN
fbem-23714	114	20	and	and	CCONJ
fbem-23714	114	21	security	security	NOUN
fbem-23714	114	22	and	and	CCONJ
fbem-23714	114	23	personalized	personalized	ADJ
fbem-23714	114	24	services	service	NOUN
fbem-23714	114	25	also	also	ADV
fbem-23714	114	26	show	show	VERB
fbem-23714	114	27	strong	strong	ADJ
fbem-23714	114	28	positive	positive	ADJ
fbem-23714	114	29	correlations	correlation	NOUN
fbem-23714	114	30	359	359	NUM
fbem-23714	114	31	(	(	PUNCT
fbem-23714	114	32	0.726	0.726	NUM
fbem-23714	114	33	and	and	CCONJ
fbem-23714	114	34	0.713	0.713	NUM
fbem-23714	114	35	,	,	PUNCT
fbem-23714	114	36	respectively	respectively	ADV
fbem-23714	114	37	)	)	PUNCT
fbem-23714	114	38	.	.	PUNCT
fbem-23714	115	1	this	this	PRON
fbem-23714	115	2	shows	show	VERB
fbem-23714	115	3	that	that	SCONJ
fbem-23714	115	4	there	there	PRON
fbem-23714	115	5	is	be	VERB
fbem-23714	115	6	a	a	DET
fbem-23714	115	7	high	high	ADJ
fbem-23714	115	8	degree	degree	NOUN
fbem-23714	115	9	of	of	ADP
fbem-23714	115	10	interdependence	interdependence	NOUN
fbem-23714	115	11	between	between	ADP
fbem-23714	115	12	the	the	DET
fbem-23714	115	13	four	four	NUM
fbem-23714	115	14	variables	variable	NOUN
fbem-23714	115	15	,	,	PUNCT
fbem-23714	115	16	that	that	ADV
fbem-23714	115	17	is	is	ADV
fbem-23714	115	18	,	,	PUNCT
fbem-23714	115	19	they	they	PRON
fbem-23714	115	20	influence	influence	VERB
fbem-23714	115	21	each	each	DET
fbem-23714	115	22	other	other	ADJ
fbem-23714	115	23	.	.	PUNCT
fbem-23714	116	1	therefore	therefore	ADV
fbem-23714	116	2	,	,	PUNCT
fbem-23714	116	3	changes	change	NOUN
fbem-23714	116	4	in	in	ADP
fbem-23714	116	5	one	one	NUM
fbem-23714	116	6	variable	variable	NOUN
fbem-23714	116	7	may	may	AUX
fbem-23714	116	8	lead	lead	VERB
fbem-23714	116	9	to	to	ADP
fbem-23714	116	10	corresponding	corresponding	ADJ
fbem-23714	116	11	changes	change	NOUN
fbem-23714	116	12	in	in	ADP
fbem-23714	116	13	other	other	ADJ
fbem-23714	116	14	variables	variable	NOUN
fbem-23714	116	15	.	.	PUNCT
fbem-23714	117	1	secondly	secondly	ADV
fbem-23714	117	2	,	,	PUNCT
fbem-23714	117	3	the	the	DET
fbem-23714	117	4	correlation	correlation	NOUN
fbem-23714	117	5	coefficient	coefficient	NOUN
fbem-23714	117	6	between	between	ADP
fbem-23714	117	7	convenience	convenience	NOUN
fbem-23714	117	8	and	and	CCONJ
fbem-23714	117	9	satisfaction	satisfaction	NOUN
fbem-23714	117	10	is	be	AUX
fbem-23714	117	11	0.675	0.675	NUM
fbem-23714	117	12	,	,	PUNCT
fbem-23714	117	13	which	which	PRON
fbem-23714	117	14	is	be	AUX
fbem-23714	117	15	slightly	slightly	ADV
fbem-23714	117	16	lower	low	ADJ
fbem-23714	117	17	than	than	ADP
fbem-23714	117	18	the	the	DET
fbem-23714	117	19	correlation	correlation	NOUN
fbem-23714	117	20	coefficients	coefficient	NOUN
fbem-23714	117	21	between	between	ADP
fbem-23714	117	22	convenience	convenience	NOUN
fbem-23714	117	23	and	and	CCONJ
fbem-23714	117	24	personalized	personalized	ADJ
fbem-23714	117	25	services	service	NOUN
fbem-23714	117	26	and	and	CCONJ
fbem-23714	117	27	security	security	NOUN
fbem-23714	117	28	.	.	PUNCT
fbem-23714	118	1	this	this	PRON
fbem-23714	118	2	may	may	AUX
fbem-23714	118	3	indicate	indicate	VERB
fbem-23714	118	4	that	that	SCONJ
fbem-23714	118	5	the	the	DET
fbem-23714	118	6	impact	impact	NOUN
fbem-23714	118	7	of	of	ADP
fbem-23714	118	8	convenience	convenience	NOUN
fbem-23714	118	9	on	on	ADP
fbem-23714	118	10	satisfaction	satisfaction	NOUN
fbem-23714	118	11	is	be	AUX
fbem-23714	118	12	slightly	slightly	ADV
fbem-23714	118	13	different	different	ADJ
fbem-23714	118	14	from	from	ADP
fbem-23714	118	15	its	its	PRON
fbem-23714	118	16	impact	impact	NOUN
fbem-23714	118	17	on	on	ADP
fbem-23714	118	18	personalized	personalized	ADJ
fbem-23714	118	19	services	service	NOUN
fbem-23714	118	20	and	and	CCONJ
fbem-23714	118	21	security	security	NOUN
fbem-23714	118	22	.	.	PUNCT
fbem-23714	119	1	specifically	specifically	ADV
fbem-23714	119	2	,	,	PUNCT
fbem-23714	119	3	convenience	convenience	NOUN
fbem-23714	119	4	plays	play	VERB
fbem-23714	119	5	a	a	DET
fbem-23714	119	6	greater	great	ADJ
fbem-23714	119	7	role	role	NOUN
fbem-23714	119	8	in	in	ADP
fbem-23714	119	9	improving	improve	VERB
fbem-23714	119	10	personalized	personalized	ADJ
fbem-23714	119	11	services	service	NOUN
fbem-23714	119	12	and	and	CCONJ
fbem-23714	119	13	security	security	NOUN
fbem-23714	119	14	,	,	PUNCT
fbem-23714	119	15	while	while	SCONJ
fbem-23714	119	16	its	its	PRON
fbem-23714	119	17	impact	impact	NOUN
fbem-23714	119	18	on	on	ADP
fbem-23714	119	19	improving	improve	VERB
fbem-23714	119	20	satisfaction	satisfaction	NOUN
fbem-23714	119	21	is	be	AUX
fbem-23714	119	22	relatively	relatively	ADV
fbem-23714	119	23	small	small	ADJ
fbem-23714	119	24	.	.	PUNCT
fbem-23714	120	1	in	in	ADP
fbem-23714	120	2	addition	addition	NOUN
fbem-23714	120	3	,	,	PUNCT
fbem-23714	120	4	all	all	DET
fbem-23714	120	5	variables	variable	NOUN
fbem-23714	120	6	are	be	AUX
fbem-23714	120	7	positively	positively	ADV
fbem-23714	120	8	correlated	correlate	VERB
fbem-23714	120	9	with	with	ADP
fbem-23714	120	10	each	each	DET
fbem-23714	120	11	other	other	ADJ
fbem-23714	120	12	,	,	PUNCT
fbem-23714	120	13	and	and	CCONJ
fbem-23714	120	14	the	the	DET
fbem-23714	120	15	correlation	correlation	NOUN
fbem-23714	120	16	coefficient	coefficient	NOUN
fbem-23714	120	17	is	be	AUX
fbem-23714	120	18	positive	positive	ADJ
fbem-23714	120	19	.	.	PUNCT
fbem-23714	121	1	this	this	PRON
fbem-23714	121	2	indicates	indicate	VERB
fbem-23714	121	3	that	that	SCONJ
fbem-23714	121	4	as	as	ADP
fbem-23714	121	5	one	one	NUM
fbem-23714	121	6	variable	variable	ADJ
fbem-23714	121	7	increases	increase	NOUN
fbem-23714	121	8	,	,	PUNCT
fbem-23714	121	9	other	other	ADJ
fbem-23714	121	10	variables	variable	NOUN
fbem-23714	121	11	are	be	AUX
fbem-23714	121	12	likely	likely	ADJ
fbem-23714	121	13	to	to	PART
fbem-23714	121	14	increase	increase	VERB
fbem-23714	121	15	as	as	ADV
fbem-23714	121	16	well	well	ADV
fbem-23714	121	17	.	.	PUNCT
fbem-23714	122	1	this	this	PRON
fbem-23714	122	2	is	be	AUX
fbem-23714	122	3	in	in	ADP
fbem-23714	122	4	line	line	NOUN
fbem-23714	122	5	with	with	ADP
fbem-23714	122	6	our	our	PRON
fbem-23714	122	7	expected	expect	VERB
fbem-23714	122	8	results	result	NOUN
fbem-23714	122	9	,	,	PUNCT
fbem-23714	122	10	because	because	SCONJ
fbem-23714	122	11	convenience	convenience	NOUN
fbem-23714	122	12	,	,	PUNCT
fbem-23714	122	13	security	security	NOUN
fbem-23714	122	14	,	,	PUNCT
fbem-23714	122	15	personalized	personalized	ADJ
fbem-23714	122	16	services	service	NOUN
fbem-23714	122	17	,	,	PUNCT
fbem-23714	122	18	and	and	CCONJ
fbem-23714	122	19	satisfaction	satisfaction	NOUN
fbem-23714	122	20	are	be	AUX
fbem-23714	122	21	all	all	PRON
fbem-23714	122	22	evaluations	evaluation	NOUN
fbem-23714	122	23	of	of	ADP
fbem-23714	122	24	the	the	DET
fbem-23714	122	25	quality	quality	NOUN
fbem-23714	122	26	of	of	ADP
fbem-23714	122	27	products	product	NOUN
fbem-23714	122	28	or	or	CCONJ
fbem-23714	122	29	digital	digital	ADJ
fbem-23714	122	30	banking	banking	NOUN
fbem-23714	122	31	services	service	NOUN
fbem-23714	122	32	,	,	PUNCT
fbem-23714	122	33	and	and	CCONJ
fbem-23714	122	34	they	they	PRON
fbem-23714	122	35	should	should	AUX
fbem-23714	122	36	promote	promote	VERB
fbem-23714	122	37	each	each	DET
fbem-23714	122	38	other	other	ADJ
fbem-23714	122	39	.	.	PUNCT
fbem-23714	123	1	finally	finally	ADV
fbem-23714	123	2	,	,	PUNCT
fbem-23714	123	3	different	different	ADJ
fbem-23714	123	4	variables	variable	NOUN
fbem-23714	123	5	have	have	VERB
fbem-23714	123	6	different	different	ADJ
fbem-23714	123	7	degrees	degree	NOUN
fbem-23714	123	8	of	of	ADP
fbem-23714	123	9	influence	influence	NOUN
fbem-23714	123	10	on	on	ADP
fbem-23714	123	11	the	the	DET
fbem-23714	123	12	target	target	NOUN
fbem-23714	123	13	variable	variable	NOUN
fbem-23714	123	14	,	,	PUNCT
fbem-23714	123	15	and	and	CCONJ
fbem-23714	123	16	the	the	DET
fbem-23714	123	17	size	size	NOUN
fbem-23714	123	18	of	of	ADP
fbem-23714	123	19	the	the	DET
fbem-23714	123	20	correlation	correlation	NOUN
fbem-23714	123	21	coefficient	coefficient	NOUN
fbem-23714	123	22	is	be	AUX
fbem-23714	123	23	also	also	ADV
fbem-23714	123	24	different	different	ADJ
fbem-23714	123	25	.	.	PUNCT
fbem-23714	124	1	here	here	ADV
fbem-23714	124	2	,	,	PUNCT
fbem-23714	124	3	the	the	DET
fbem-23714	124	4	correlation	correlation	NOUN
fbem-23714	124	5	coefficient	coefficient	NOUN
fbem-23714	124	6	of	of	ADP
fbem-23714	124	7	security	security	NOUN
fbem-23714	124	8	is	be	AUX
fbem-23714	124	9	the	the	DET
fbem-23714	124	10	largest	large	ADJ
fbem-23714	124	11	,	,	PUNCT
fbem-23714	124	12	indicating	indicate	VERB
fbem-23714	124	13	that	that	SCONJ
fbem-23714	124	14	security	security	NOUN
fbem-23714	124	15	has	have	VERB
fbem-23714	124	16	the	the	DET
fbem-23714	124	17	most	most	ADV
fbem-23714	124	18	significant	significant	ADJ
fbem-23714	124	19	impact	impact	NOUN
fbem-23714	124	20	on	on	ADP
fbem-23714	124	21	satisfaction	satisfaction	NOUN
fbem-23714	124	22	,	,	PUNCT
fbem-23714	124	23	personalized	personalized	ADJ
fbem-23714	124	24	services	service	NOUN
fbem-23714	124	25	,	,	PUNCT
fbem-23714	124	26	and	and	CCONJ
fbem-23714	124	27	convenience	convenience	NOUN
fbem-23714	124	28	.	.	PUNCT
fbem-23714	125	1	therefore	therefore	ADV
fbem-23714	125	2	,	,	PUNCT
fbem-23714	125	3	if	if	SCONJ
fbem-23714	125	4	you	you	PRON
fbem-23714	125	5	want	want	VERB
fbem-23714	125	6	to	to	PART
fbem-23714	125	7	improve	improve	VERB
fbem-23714	125	8	satisfaction	satisfaction	NOUN
fbem-23714	125	9	,	,	PUNCT
fbem-23714	125	10	personalized	personalized	ADJ
fbem-23714	125	11	services	service	NOUN
fbem-23714	125	12	,	,	PUNCT
fbem-23714	125	13	and	and	CCONJ
fbem-23714	125	14	convenience	convenience	NOUN
fbem-23714	125	15	,	,	PUNCT
fbem-23714	125	16	you	you	PRON
fbem-23714	125	17	first	first	ADV
fbem-23714	125	18	need	need	VERB
fbem-23714	125	19	to	to	PART
fbem-23714	125	20	consider	consider	VERB
fbem-23714	125	21	improving	improve	VERB
fbem-23714	125	22	the	the	DET
fbem-23714	125	23	security	security	NOUN
fbem-23714	125	24	of	of	ADP
fbem-23714	125	25	digital	digital	ADJ
fbem-23714	125	26	banking	banking	NOUN
fbem-23714	125	27	services	service	NOUN
fbem-23714	125	28	.	.	PUNCT
fbem-23714	126	1	in	in	ADP
fbem-23714	126	2	general	general	ADJ
fbem-23714	126	3	,	,	PUNCT
fbem-23714	126	4	through	through	ADP
fbem-23714	126	5	the	the	DET
fbem-23714	126	6	analysis	analysis	NOUN
fbem-23714	126	7	of	of	ADP
fbem-23714	126	8	the	the	DET
fbem-23714	126	9	variable	variable	ADJ
fbem-23714	126	10	correlation	correlation	NOUN
fbem-23714	126	11	coefficient	coefficient	NOUN
fbem-23714	126	12	matrix	matrix	NOUN
fbem-23714	126	13	,	,	PUNCT
fbem-23714	126	14	we	we	PRON
fbem-23714	126	15	have	have	AUX
fbem-23714	126	16	come	come	VERB
fbem-23714	126	17	to	to	ADP
fbem-23714	126	18	the	the	DET
fbem-23714	126	19	above	above	ADJ
fbem-23714	126	20	conclusions	conclusion	NOUN
fbem-23714	126	21	.	.	PUNCT
fbem-23714	127	1	this	this	PRON
fbem-23714	127	2	helps	help	VERB
fbem-23714	127	3	us	we	PRON
fbem-23714	127	4	better	well	ADV
fbem-23714	127	5	understand	understand	VERB
fbem-23714	127	6	the	the	DET
fbem-23714	127	7	relationship	relationship	NOUN
fbem-23714	127	8	between	between	ADP
fbem-23714	127	9	convenience	convenience	NOUN
fbem-23714	127	10	,	,	PUNCT
fbem-23714	127	11	security	security	NOUN
fbem-23714	127	12	,	,	PUNCT
fbem-23714	127	13	personalized	personalized	ADJ
fbem-23714	127	14	services	service	NOUN
fbem-23714	127	15	,	,	PUNCT
fbem-23714	127	16	and	and	CCONJ
fbem-23714	127	17	satisfaction	satisfaction	NOUN
fbem-23714	127	18	,	,	PUNCT
fbem-23714	127	19	and	and	CCONJ
fbem-23714	127	20	provides	provide	VERB
fbem-23714	127	21	guidance	guidance	NOUN
fbem-23714	127	22	for	for	ADP
fbem-23714	127	23	improving	improve	VERB
fbem-23714	127	24	digital	digital	ADJ
fbem-23714	127	25	banking	banking	NOUN
fbem-23714	127	26	services	service	NOUN
fbem-23714	127	27	.	.	PUNCT
fbem-23714	128	1	3.4	3.4	NUM
fbem-23714	128	2	.	.	PUNCT
fbem-23714	129	1	regression	regression	NOUN
fbem-23714	129	2	analysis	analysis	NOUN
fbem-23714	129	3	regression	regression	NOUN
fbem-23714	129	4	analysis	analysis	NOUN
fbem-23714	129	5	is	be	AUX
fbem-23714	129	6	a	a	DET
fbem-23714	129	7	method	method	NOUN
fbem-23714	129	8	for	for	ADP
fbem-23714	129	9	quantitative	quantitative	ADJ
fbem-23714	129	10	analysis	analysis	NOUN
fbem-23714	129	11	of	of	ADP
fbem-23714	129	12	two	two	NUM
fbem-23714	129	13	or	or	CCONJ
fbem-23714	129	14	more	more	ADV
fbem-23714	129	15	determined	determined	ADJ
fbem-23714	129	16	variables	variable	NOUN
fbem-23714	129	17	,	,	PUNCT
fbem-23714	129	18	and	and	CCONJ
fbem-23714	129	19	is	be	AUX
fbem-23714	129	20	also	also	ADV
fbem-23714	129	21	one	one	NUM
fbem-23714	129	22	of	of	ADP
fbem-23714	129	23	the	the	DET
fbem-23714	129	24	most	most	ADV
fbem-23714	129	25	widely	widely	ADV
fbem-23714	129	26	used	use	VERB
fbem-23714	129	27	data	datum	NOUN
fbem-23714	129	28	analysis	analysis	NOUN
fbem-23714	129	29	methods	method	NOUN
fbem-23714	129	30	.	.	PUNCT
fbem-23714	130	1	the	the	DET
fbem-23714	130	2	following	follow	VERB
fbem-23714	130	3	table	table	NOUN
fbem-23714	130	4	is	be	AUX
fbem-23714	130	5	based	base	VERB
fbem-23714	130	6	on	on	ADP
fbem-23714	130	7	the	the	DET
fbem-23714	130	8	results	result	NOUN
fbem-23714	130	9	of	of	ADP
fbem-23714	130	10	spss	spss	ADJ
fbem-23714	130	11	28.0	28.0	NUM
fbem-23714	130	12	software	software	NOUN
fbem-23714	130	13	analysis	analysis	NOUN
fbem-23714	130	14	.	.	PUNCT
fbem-23714	131	1	table	table	NOUN
fbem-23714	131	2	5	5	NUM
fbem-23714	131	3	.	.	PUNCT
fbem-23714	132	1	regression	regression	NOUN
fbem-23714	132	2	analysis	analysis	NOUN
fbem-23714	132	3	results	result	NOUN
fbem-23714	132	4	model	model	VERB
fbem-23714	132	5	standardized	standardized	ADJ
fbem-23714	132	6	coefficient	coefficient	NOUN
fbem-23714	132	7	t	t	NOUN
fbem-23714	132	8	significance	significance	NOUN
fbem-23714	132	9	beta	beta	ADP
fbem-23714	132	10	constant	constant	ADJ
fbem-23714	132	11	.000	.000	NUM
fbem-23714	132	12	convenience	convenience	NOUN
fbem-23714	132	13	.327	.327	NUM
fbem-23714	132	14	5.284	5.284	NUM
fbem-23714	132	15	.000	.000	NUM
fbem-23714	132	16	safety	safety	NOUN
fbem-23714	132	17	.213	.213	NUM
fbem-23714	132	18	2.791	2.791	NUM
fbem-23714	132	19	.000	.000	NUM
fbem-23714	132	20	personalized	personalize	VERB
fbem-23714	132	21	service	service	NOUN
fbem-23714	132	22	.225	.225	NUM
fbem-23714	132	23	3.511	3.511	NUM
fbem-23714	132	24	.000	.000	NUM
fbem-23714	132	25	note	note	NOUN
fbem-23714	132	26	:	:	PUNCT
fbem-23714	132	27	*	*	PUNCT
fbem-23714	132	28	dependent	dependent	ADJ
fbem-23714	132	29	variable	variable	NOUN
fbem-23714	132	30	:	:	PUNCT
fbem-23714	132	31	satisfaction	satisfaction	NOUN
fbem-23714	132	32	according	accord	VERB
fbem-23714	132	33	to	to	ADP
fbem-23714	132	34	the	the	DET
fbem-23714	132	35	regression	regression	NOUN
fbem-23714	132	36	analysis	analysis	NOUN
fbem-23714	132	37	results	result	NOUN
fbem-23714	132	38	in	in	ADP
fbem-23714	132	39	the	the	DET
fbem-23714	132	40	above	above	ADJ
fbem-23714	132	41	table	table	NOUN
fbem-23714	132	42	,	,	PUNCT
fbem-23714	132	43	the	the	DET
fbem-23714	132	44	following	follow	VERB
fbem-23714	132	45	conclusions	conclusion	NOUN
fbem-23714	132	46	are	be	AUX
fbem-23714	132	47	drawn	draw	VERB
fbem-23714	132	48	:	:	PUNCT
fbem-23714	132	49	first	first	ADV
fbem-23714	132	50	,	,	PUNCT
fbem-23714	132	51	the	the	DET
fbem-23714	132	52	significance	significance	NOUN
fbem-23714	132	53	test	test	NOUN
fbem-23714	132	54	of	of	ADP
fbem-23714	132	55	the	the	DET
fbem-23714	132	56	regression	regression	NOUN
fbem-23714	132	57	model	model	NOUN
fbem-23714	132	58	shows	show	VERB
fbem-23714	132	59	that	that	SCONJ
fbem-23714	132	60	the	the	DET
fbem-23714	132	61	p	p	PROPN
fbem-23714	132	62	value	value	NOUN
fbem-23714	132	63	is	be	AUX
fbem-23714	132	64	less	less	ADJ
fbem-23714	132	65	than	than	ADP
fbem-23714	132	66	0.05	0.05	NUM
fbem-23714	132	67	,	,	PUNCT
fbem-23714	132	68	indicating	indicate	VERB
fbem-23714	132	69	that	that	SCONJ
fbem-23714	132	70	the	the	DET
fbem-23714	132	71	regression	regression	NOUN
fbem-23714	132	72	model	model	NOUN
fbem-23714	132	73	is	be	AUX
fbem-23714	132	74	statistically	statistically	ADV
fbem-23714	132	75	significant	significant	ADJ
fbem-23714	132	76	,	,	PUNCT
fbem-23714	132	77	that	that	ADV
fbem-23714	132	78	is	is	ADV
fbem-23714	132	79	,	,	PUNCT
fbem-23714	132	80	the	the	DET
fbem-23714	132	81	independent	independent	ADJ
fbem-23714	132	82	variables	variable	NOUN
fbem-23714	132	83	have	have	VERB
fbem-23714	132	84	a	a	DET
fbem-23714	132	85	significant	significant	ADJ
fbem-23714	132	86	impact	impact	NOUN
fbem-23714	132	87	on	on	ADP
fbem-23714	132	88	the	the	DET
fbem-23714	132	89	explanation	explanation	NOUN
fbem-23714	132	90	of	of	ADP
fbem-23714	132	91	the	the	DET
fbem-23714	132	92	dependent	dependent	ADJ
fbem-23714	132	93	variable	variable	NOUN
fbem-23714	132	94	.	.	PUNCT
fbem-23714	133	1	secondly	secondly	ADV
fbem-23714	133	2	,	,	PUNCT
fbem-23714	133	3	the	the	DET
fbem-23714	133	4	standardized	standardized	ADJ
fbem-23714	133	5	coefficients	coefficient	NOUN
fbem-23714	133	6	of	of	ADP
fbem-23714	133	7	the	the	DET
fbem-23714	133	8	independent	independent	ADJ
fbem-23714	133	9	variables	variable	NOUN
fbem-23714	133	10	can	can	AUX
fbem-23714	133	11	be	be	AUX
fbem-23714	133	12	used	use	VERB
fbem-23714	133	13	to	to	PART
fbem-23714	133	14	compare	compare	VERB
fbem-23714	133	15	the	the	DET
fbem-23714	133	16	impact	impact	NOUN
fbem-23714	133	17	of	of	ADP
fbem-23714	133	18	the	the	DET
fbem-23714	133	19	respective	respective	ADJ
fbem-23714	133	20	variables	variable	NOUN
fbem-23714	133	21	on	on	ADP
fbem-23714	133	22	the	the	DET
fbem-23714	133	23	dependent	dependent	ADJ
fbem-23714	133	24	variable	variable	NOUN
fbem-23714	133	25	.	.	PUNCT
fbem-23714	134	1	according	accord	VERB
fbem-23714	134	2	to	to	ADP
fbem-23714	134	3	the	the	DET
fbem-23714	134	4	analysis	analysis	NOUN
fbem-23714	134	5	results	result	NOUN
fbem-23714	134	6	,	,	PUNCT
fbem-23714	134	7	the	the	DET
fbem-23714	134	8	standardized	standardized	ADJ
fbem-23714	134	9	coefficient	coefficient	NOUN
fbem-23714	134	10	of	of	ADP
fbem-23714	134	11	convenience	convenience	NOUN
fbem-23714	134	12	is	be	AUX
fbem-23714	134	13	0.327	0.327	NUM
fbem-23714	134	14	,	,	PUNCT
fbem-23714	134	15	the	the	DET
fbem-23714	134	16	standardized	standardized	ADJ
fbem-23714	134	17	coefficient	coefficient	NOUN
fbem-23714	134	18	of	of	ADP
fbem-23714	134	19	security	security	NOUN
fbem-23714	134	20	is	be	AUX
fbem-23714	134	21	0.213	0.213	NUM
fbem-23714	134	22	,	,	PUNCT
fbem-23714	134	23	and	and	CCONJ
fbem-23714	134	24	the	the	DET
fbem-23714	134	25	standardized	standardized	ADJ
fbem-23714	134	26	coefficient	coefficient	NOUN
fbem-23714	134	27	of	of	ADP
fbem-23714	134	28	personalized	personalized	ADJ
fbem-23714	134	29	service	service	NOUN
fbem-23714	134	30	is	be	AUX
fbem-23714	134	31	0.225	0.225	NUM
fbem-23714	134	32	.	.	PUNCT
fbem-23714	135	1	therefore	therefore	ADV
fbem-23714	135	2	,	,	PUNCT
fbem-23714	135	3	convenience	convenience	NOUN
fbem-23714	135	4	has	have	VERB
fbem-23714	135	5	the	the	DET
fbem-23714	135	6	greatest	great	ADJ
fbem-23714	135	7	impact	impact	NOUN
fbem-23714	135	8	on	on	ADP
fbem-23714	135	9	satisfaction	satisfaction	NOUN
fbem-23714	135	10	,	,	PUNCT
fbem-23714	135	11	followed	follow	VERB
fbem-23714	135	12	by	by	ADP
fbem-23714	135	13	personalized	personalized	ADJ
fbem-23714	135	14	service	service	NOUN
fbem-23714	135	15	and	and	CCONJ
fbem-23714	135	16	security	security	NOUN
fbem-23714	135	17	.	.	PUNCT
fbem-23714	136	1	further	further	ADJ
fbem-23714	136	2	analysis	analysis	NOUN
fbem-23714	136	3	of	of	ADP
fbem-23714	136	4	the	the	DET
fbem-23714	136	5	regression	regression	NOUN
fbem-23714	136	6	results	result	NOUN
fbem-23714	136	7	shows	show	VERB
fbem-23714	136	8	that	that	SCONJ
fbem-23714	136	9	the	the	DET
fbem-23714	136	10	t	t	NOUN
fbem-23714	136	11	values	value	NOUN
fbem-23714	136	12	of	of	ADP
fbem-23714	136	13	the	the	DET
fbem-23714	136	14	three	three	NUM
fbem-23714	136	15	independent	independent	ADJ
fbem-23714	136	16	variables	variable	NOUN
fbem-23714	136	17	are	be	AUX
fbem-23714	136	18	all	all	ADV
fbem-23714	136	19	greater	great	ADJ
fbem-23714	136	20	than	than	ADP
fbem-23714	136	21	2	2	NUM
fbem-23714	136	22	and	and	CCONJ
fbem-23714	136	23	the	the	DET
fbem-23714	136	24	p	p	ADJ
fbem-23714	136	25	values	value	NOUN
fbem-23714	136	26	are	be	AUX
fbem-23714	136	27	less	less	ADJ
fbem-23714	136	28	than	than	ADP
fbem-23714	136	29	0.05	0.05	NUM
fbem-23714	136	30	,	,	PUNCT
fbem-23714	136	31	indicating	indicate	VERB
fbem-23714	136	32	that	that	SCONJ
fbem-23714	136	33	the	the	DET
fbem-23714	136	34	impact	impact	NOUN
fbem-23714	136	35	of	of	ADP
fbem-23714	136	36	convenience	convenience	NOUN
fbem-23714	136	37	,	,	PUNCT
fbem-23714	136	38	security	security	NOUN
fbem-23714	136	39	and	and	CCONJ
fbem-23714	136	40	personalized	personalized	ADJ
fbem-23714	136	41	services	service	NOUN
fbem-23714	136	42	on	on	ADP
fbem-23714	136	43	satisfaction	satisfaction	NOUN
fbem-23714	136	44	is	be	AUX
fbem-23714	136	45	significant	significant	ADJ
fbem-23714	136	46	and	and	CCONJ
fbem-23714	136	47	statistically	statistically	ADV
fbem-23714	136	48	significant	significant	ADJ
fbem-23714	136	49	.	.	PUNCT
fbem-23714	137	1	finally	finally	ADV
fbem-23714	137	2	,	,	PUNCT
fbem-23714	137	3	the	the	DET
fbem-23714	137	4	significance	significance	NOUN
fbem-23714	137	5	test	test	NOUN
fbem-23714	137	6	result	result	NOUN
fbem-23714	137	7	of	of	ADP
fbem-23714	137	8	the	the	DET
fbem-23714	137	9	constant	constant	ADJ
fbem-23714	137	10	term	term	NOUN
fbem-23714	137	11	is	be	AUX
fbem-23714	137	12	that	that	SCONJ
fbem-23714	137	13	the	the	DET
fbem-23714	137	14	p	p	PROPN
fbem-23714	137	15	value	value	NOUN
fbem-23714	137	16	is	be	AUX
fbem-23714	137	17	greater	great	ADJ
fbem-23714	137	18	than	than	ADP
fbem-23714	137	19	0.05	0.05	NUM
fbem-23714	137	20	,	,	PUNCT
fbem-23714	137	21	indicating	indicate	VERB
fbem-23714	137	22	that	that	SCONJ
fbem-23714	137	23	the	the	DET
fbem-23714	137	24	constant	constant	ADJ
fbem-23714	137	25	term	term	NOUN
fbem-23714	137	26	is	be	AUX
fbem-23714	137	27	not	not	PART
fbem-23714	137	28	statistically	statistically	ADV
fbem-23714	137	29	significant	significant	ADJ
fbem-23714	137	30	in	in	ADP
fbem-23714	137	31	explaining	explain	VERB
fbem-23714	137	32	the	the	DET
fbem-23714	137	33	variation	variation	NOUN
fbem-23714	137	34	of	of	ADP
fbem-23714	137	35	the	the	DET
fbem-23714	137	36	dependent	dependent	ADJ
fbem-23714	137	37	variable	variable	NOUN
fbem-23714	137	38	,	,	PUNCT
fbem-23714	137	39	that	that	ADV
fbem-23714	137	40	is	is	ADV
fbem-23714	137	41	,	,	PUNCT
fbem-23714	137	42	the	the	DET
fbem-23714	137	43	constant	constant	ADJ
fbem-23714	137	44	term	term	NOUN
fbem-23714	137	45	has	have	VERB
fbem-23714	137	46	weak	weak	ADJ
fbem-23714	137	47	explanatory	explanatory	ADJ
fbem-23714	137	48	power	power	NOUN
fbem-23714	137	49	on	on	ADP
fbem-23714	137	50	the	the	DET
fbem-23714	137	51	model	model	NOUN
fbem-23714	137	52	.	.	PUNCT
fbem-23714	138	1	in	in	ADP
fbem-23714	138	2	summary	summary	NOUN
fbem-23714	138	3	,	,	PUNCT
fbem-23714	138	4	according	accord	VERB
fbem-23714	138	5	to	to	ADP
fbem-23714	138	6	the	the	DET
fbem-23714	138	7	regression	regression	NOUN
fbem-23714	138	8	analysis	analysis	NOUN
fbem-23714	138	9	results	result	NOUN
fbem-23714	138	10	,	,	PUNCT
fbem-23714	138	11	the	the	DET
fbem-23714	138	12	hypotheses	hypothesis	NOUN
fbem-23714	138	13	h1	h1	VERB
fbem-23714	138	14	,	,	PUNCT
fbem-23714	138	15	h2	h2	NOUN
fbem-23714	138	16	and	and	CCONJ
fbem-23714	138	17	h3	h3	NOUN
fbem-23714	138	18	are	be	AUX
fbem-23714	138	19	supported	support	VERB
fbem-23714	138	20	,	,	PUNCT
fbem-23714	138	21	that	that	ADV
fbem-23714	138	22	is	be	AUX
fbem-23714	138	23	,	,	PUNCT
fbem-23714	138	24	convenience	convenience	NOUN
fbem-23714	138	25	,	,	PUNCT
fbem-23714	138	26	security	security	NOUN
fbem-23714	138	27	and	and	CCONJ
fbem-23714	138	28	personalized	personalized	ADJ
fbem-23714	138	29	services	service	NOUN
fbem-23714	138	30	have	have	VERB
fbem-23714	138	31	a	a	DET
fbem-23714	138	32	significant	significant	ADJ
fbem-23714	138	33	impact	impact	NOUN
fbem-23714	138	34	on	on	ADP
fbem-23714	138	35	satisfaction	satisfaction	NOUN
fbem-23714	138	36	.	.	PUNCT
fbem-23714	139	1	specifically	specifically	ADV
fbem-23714	139	2	,	,	PUNCT
fbem-23714	139	3	convenience	convenience	NOUN
fbem-23714	139	4	has	have	VERB
fbem-23714	139	5	the	the	DET
fbem-23714	139	6	most	most	ADV
fbem-23714	139	7	important	important	ADJ
fbem-23714	139	8	impact	impact	NOUN
fbem-23714	139	9	on	on	ADP
fbem-23714	139	10	satisfaction	satisfaction	NOUN
fbem-23714	139	11	,	,	PUNCT
fbem-23714	139	12	and	and	CCONJ
fbem-23714	139	13	personalized	personalized	ADJ
fbem-23714	139	14	service	service	NOUN
fbem-23714	139	15	and	and	CCONJ
fbem-23714	139	16	security	security	NOUN
fbem-23714	139	17	also	also	ADV
fbem-23714	139	18	have	have	VERB
fbem-23714	139	19	a	a	DET
fbem-23714	139	20	significant	significant	ADJ
fbem-23714	139	21	impact	impact	NOUN
fbem-23714	139	22	on	on	ADP
fbem-23714	139	23	satisfaction	satisfaction	NOUN
fbem-23714	139	24	.	.	PUNCT
fbem-23714	140	1	however	however	ADV
fbem-23714	140	2	,	,	PUNCT
fbem-23714	140	3	the	the	DET
fbem-23714	140	4	constant	constant	ADJ
fbem-23714	140	5	terms	term	NOUN
fbem-23714	140	6	play	play	VERB
fbem-23714	140	7	a	a	DET
fbem-23714	140	8	relatively	relatively	ADV
fbem-23714	140	9	small	small	ADJ
fbem-23714	140	10	role	role	NOUN
fbem-23714	140	11	in	in	ADP
fbem-23714	140	12	the	the	DET
fbem-23714	140	13	model	model	NOUN
fbem-23714	140	14	.	.	PUNCT
fbem-23714	141	1	these	these	DET
fbem-23714	141	2	analysis	analysis	NOUN
fbem-23714	141	3	results	result	NOUN
fbem-23714	141	4	provide	provide	VERB
fbem-23714	141	5	valuable	valuable	ADJ
fbem-23714	141	6	information	information	NOUN
fbem-23714	141	7	for	for	SCONJ
fbem-23714	141	8	us	we	PRON
fbem-23714	141	9	to	to	PART
fbem-23714	141	10	further	far	ADV
fbem-23714	141	11	understand	understand	VERB
fbem-23714	141	12	and	and	CCONJ
fbem-23714	141	13	improve	improve	VERB
fbem-23714	141	14	digital	digital	ADJ
fbem-23714	141	15	banking	banking	NOUN
fbem-23714	141	16	services	service	NOUN
fbem-23714	141	17	.	.	PUNCT
fbem-23714	142	1	4	4	X
fbem-23714	142	2	.	.	X
fbem-23714	142	3	conclusions	conclusion	NOUN
fbem-23714	142	4	according	accord	VERB
fbem-23714	142	5	to	to	ADP
fbem-23714	142	6	the	the	DET
fbem-23714	142	7	results	result	NOUN
fbem-23714	142	8	of	of	ADP
fbem-23714	142	9	the	the	DET
fbem-23714	142	10	above	above	ADJ
fbem-23714	142	11	correlation	correlation	NOUN
fbem-23714	142	12	analysis	analysis	NOUN
fbem-23714	142	13	and	and	CCONJ
fbem-23714	142	14	regression	regression	NOUN
fbem-23714	142	15	analysis	analysis	NOUN
fbem-23714	142	16	,	,	PUNCT
fbem-23714	142	17	the	the	DET
fbem-23714	142	18	hypothesis	hypothesis	NOUN
fbem-23714	142	19	verification	verification	NOUN
fbem-23714	142	20	conclusions	conclusion	NOUN
fbem-23714	142	21	of	of	ADP
fbem-23714	142	22	this	this	DET
fbem-23714	142	23	study	study	NOUN
fbem-23714	142	24	are	be	AUX
fbem-23714	142	25	shown	show	VERB
fbem-23714	142	26	in	in	ADP
fbem-23714	142	27	the	the	DET
fbem-23714	142	28	following	follow	VERB
fbem-23714	142	29	table	table	NOUN
fbem-23714	142	30	:	:	PUNCT
fbem-23714	142	31	table	table	NOUN
fbem-23714	142	32	6	6	NUM
fbem-23714	142	33	.	.	PUNCT
fbem-23714	143	1	summary	summary	NOUN
fbem-23714	143	2	of	of	ADP
fbem-23714	143	3	research	research	NOUN
fbem-23714	143	4	hypothesis	hypothesis	NOUN
fbem-23714	143	5	verification	verification	NOUN
fbem-23714	143	6	conclusions	conclusion	NOUN
fbem-23714	143	7	assumptions	assumption	VERB
fbem-23714	143	8	assumptions	assumption	VERB
fbem-23714	143	9	validation	validation	NOUN
fbem-23714	143	10	results	result	NOUN
fbem-23714	143	11	hl	hl	NOUN
fbem-23714	143	12	convenience	convenience	NOUN
fbem-23714	143	13	positively	positively	ADV
fbem-23714	143	14	affects	affect	VERB
fbem-23714	143	15	satisfaction	satisfaction	NOUN
fbem-23714	143	16	establishment	establishment	NOUN
fbem-23714	143	17	h2	h2	NOUN
fbem-23714	143	18	safety	safety	NOUN
fbem-23714	143	19	positively	positively	ADV
fbem-23714	143	20	affects	affect	VERB
fbem-23714	143	21	satisfaction	satisfaction	NOUN
fbem-23714	143	22	establishment	establishment	NOUN
fbem-23714	143	23	h3	h3	NOUN
fbem-23714	143	24	personalized	personalized	ADJ
fbem-23714	143	25	service	service	NOUN
fbem-23714	143	26	has	have	VERB
fbem-23714	143	27	a	a	DET
fbem-23714	143	28	positive	positive	ADJ
fbem-23714	143	29	impact	impact	NOUN
fbem-23714	143	30	on	on	ADP
fbem-23714	143	31	satisfaction	satisfaction	NOUN
fbem-23714	143	32	establishment	establishment	NOUN
fbem-23714	143	33	based	base	VERB
fbem-23714	143	34	on	on	ADP
fbem-23714	143	35	the	the	DET
fbem-23714	143	36	above	above	ADJ
fbem-23714	143	37	empirical	empirical	ADJ
fbem-23714	143	38	analysis	analysis	NOUN
fbem-23714	143	39	,	,	PUNCT
fbem-23714	143	40	the	the	DET
fbem-23714	143	41	following	follow	VERB
fbem-23714	143	42	conclusions	conclusion	NOUN
fbem-23714	143	43	are	be	AUX
fbem-23714	143	44	drawn	draw	VERB
fbem-23714	143	45	:	:	PUNCT
fbem-23714	143	46	first	first	ADV
fbem-23714	143	47	,	,	PUNCT
fbem-23714	143	48	convenience	convenience	NOUN
fbem-23714	143	49	has	have	VERB
fbem-23714	143	50	a	a	DET
fbem-23714	143	51	significant	significant	ADJ
fbem-23714	143	52	positive	positive	ADJ
fbem-23714	143	53	impact	impact	NOUN
fbem-23714	143	54	on	on	ADP
fbem-23714	143	55	customer	customer	NOUN
fbem-23714	143	56	satisfaction	satisfaction	NOUN
fbem-23714	143	57	.	.	PUNCT
fbem-23714	144	1	the	the	DET
fbem-23714	144	2	convenience	convenience	NOUN
fbem-23714	144	3	of	of	ADP
fbem-23714	144	4	digital	digital	ADJ
fbem-23714	144	5	banking	banking	NOUN
fbem-23714	144	6	services	service	NOUN
fbem-23714	144	7	continues	continue	VERB
fbem-23714	144	8	to	to	PART
fbem-23714	144	9	improve	improve	VERB
fbem-23714	144	10	.	.	PUNCT
fbem-23714	145	1	customers	customer	NOUN
fbem-23714	145	2	can	can	AUX
fbem-23714	145	3	transfer	transfer	VERB
fbem-23714	145	4	money	money	NOUN
fbem-23714	145	5	,	,	PUNCT
fbem-23714	145	6	check	check	VERB
fbem-23714	145	7	balances	balance	NOUN
fbem-23714	145	8	,	,	PUNCT
fbem-23714	145	9	handle	handle	VERB
fbem-23714	145	10	business	business	NOUN
fbem-23714	145	11	and	and	CCONJ
fbem-23714	145	12	other	other	ADJ
fbem-23714	145	13	operations	operation	NOUN
fbem-23714	145	14	anytime	anytime	ADV
fbem-23714	145	15	and	and	CCONJ
fbem-23714	145	16	anywhere	anywhere	ADV
fbem-23714	145	17	through	through	ADP
fbem-23714	145	18	mobile	mobile	ADJ
fbem-23714	145	19	phones	phone	NOUN
fbem-23714	145	20	,	,	PUNCT
fbem-23714	145	21	computers	computer	NOUN
fbem-23714	145	22	and	and	CCONJ
fbem-23714	145	23	other	other	ADJ
fbem-23714	145	24	devices	device	NOUN
fbem-23714	145	25	,	,	PUNCT
fbem-23714	145	26	eliminating	eliminate	VERB
fbem-23714	145	27	the	the	DET
fbem-23714	145	28	cumbersome	cumbersome	ADJ
fbem-23714	145	29	process	process	NOUN
fbem-23714	145	30	of	of	ADP
fbem-23714	145	31	waiting	wait	VERB
fbem-23714	145	32	in	in	ADP
fbem-23714	145	33	line	line	NOUN
fbem-23714	145	34	and	and	CCONJ
fbem-23714	145	35	greatly	greatly	ADV
fbem-23714	145	36	saving	save	VERB
fbem-23714	145	37	customers	customer	NOUN
fbem-23714	145	38	'	'	PART
fbem-23714	145	39	time	time	NOUN
fbem-23714	145	40	and	and	CCONJ
fbem-23714	145	41	energy	energy	NOUN
fbem-23714	145	42	.	.	PUNCT
fbem-23714	146	1	this	this	DET
fbem-23714	146	2	convenience	convenience	NOUN
fbem-23714	146	3	allows	allow	VERB
fbem-23714	146	4	customers	customer	NOUN
fbem-23714	146	5	to	to	PART
fbem-23714	146	6	reduce	reduce	VERB
fbem-23714	146	7	the	the	DET
fbem-23714	146	8	trouble	trouble	NOUN
fbem-23714	146	9	of	of	ADP
fbem-23714	146	10	being	be	AUX
fbem-23714	146	11	unable	unable	ADJ
fbem-23714	146	12	to	to	PART
fbem-23714	146	13	solve	solve	VERB
fbem-23714	146	14	problems	problem	NOUN
fbem-23714	146	15	in	in	ADP
fbem-23714	146	16	time	time	NOUN
fbem-23714	146	17	due	due	ADP
fbem-23714	146	18	to	to	ADP
fbem-23714	146	19	time	time	NOUN
fbem-23714	146	20	and	and	CCONJ
fbem-23714	146	21	space	space	NOUN
fbem-23714	146	22	constraints	constraint	NOUN
fbem-23714	146	23	,	,	PUNCT
fbem-23714	146	24	thereby	thereby	ADV
fbem-23714	146	25	improving	improve	VERB
fbem-23714	146	26	customer	customer	NOUN
fbem-23714	146	27	satisfaction	satisfaction	NOUN
fbem-23714	146	28	.	.	PUNCT
fbem-23714	147	1	customers	customer	NOUN
fbem-23714	147	2	have	have	VERB
fbem-23714	147	3	a	a	DET
fbem-23714	147	4	good	good	ADJ
fbem-23714	147	5	experience	experience	NOUN
fbem-23714	147	6	with	with	ADP
fbem-23714	147	7	the	the	DET
fbem-23714	147	8	convenience	convenience	NOUN
fbem-23714	147	9	of	of	ADP
fbem-23714	147	10	digital	digital	ADJ
fbem-23714	147	11	banking	banking	NOUN
fbem-23714	147	12	services	service	NOUN
fbem-23714	147	13	,	,	PUNCT
fbem-23714	147	14	which	which	PRON
fbem-23714	147	15	can	can	AUX
fbem-23714	147	16	enhance	enhance	VERB
fbem-23714	147	17	their	their	PRON
fbem-23714	147	18	loyalty	loyalty	NOUN
fbem-23714	147	19	to	to	ADP
fbem-23714	147	20	the	the	DET
fbem-23714	147	21	bank	bank	NOUN
fbem-23714	147	22	and	and	CCONJ
fbem-23714	147	23	increase	increase	VERB
fbem-23714	147	24	their	their	PRON
fbem-23714	147	25	willingness	willingness	NOUN
fbem-23714	147	26	to	to	PART
fbem-23714	147	27	use	use	VERB
fbem-23714	147	28	it	it	PRON
fbem-23714	147	29	again	again	ADV
fbem-23714	147	30	.	.	PUNCT
fbem-23714	148	1	secondly	secondly	ADV
fbem-23714	148	2	,	,	PUNCT
fbem-23714	148	3	security	security	NOUN
fbem-23714	148	4	has	have	VERB
fbem-23714	148	5	a	a	DET
fbem-23714	148	6	significant	significant	ADJ
fbem-23714	148	7	positive	positive	ADJ
fbem-23714	148	8	impact	impact	NOUN
fbem-23714	148	9	on	on	ADP
fbem-23714	148	10	customer	customer	NOUN
fbem-23714	148	11	satisfaction	satisfaction	NOUN
fbem-23714	148	12	.	.	PUNCT
fbem-23714	149	1	security	security	NOUN
fbem-23714	149	2	is	be	AUX
fbem-23714	149	3	one	one	NUM
fbem-23714	149	4	of	of	ADP
fbem-23714	149	5	the	the	DET
fbem-23714	149	6	important	important	ADJ
fbem-23714	149	7	considerations	consideration	NOUN
fbem-23714	149	8	for	for	SCONJ
fbem-23714	149	9	customers	customer	NOUN
fbem-23714	149	10	to	to	PART
fbem-23714	149	11	choose	choose	VERB
fbem-23714	149	12	and	and	CCONJ
fbem-23714	149	13	trust	trust	VERB
fbem-23714	149	14	banks	bank	NOUN
fbem-23714	149	15	.	.	PUNCT
fbem-23714	150	1	customers	customer	NOUN
fbem-23714	150	2	are	be	AUX
fbem-23714	150	3	more	more	ADV
fbem-23714	150	4	concerned	concerned	ADJ
fbem-23714	150	5	about	about	ADP
fbem-23714	150	6	the	the	DET
fbem-23714	150	7	security	security	NOUN
fbem-23714	150	8	of	of	ADP
fbem-23714	150	9	their	their	PRON
fbem-23714	150	10	funds	fund	NOUN
fbem-23714	150	11	and	and	CCONJ
fbem-23714	150	12	personal	personal	ADJ
fbem-23714	150	13	information	information	NOUN
fbem-23714	150	14	and	and	CCONJ
fbem-23714	150	15	do	do	AUX
fbem-23714	150	16	not	not	PART
fbem-23714	150	17	want	want	VERB
fbem-23714	150	18	to	to	PART
fbem-23714	150	19	be	be	AUX
fbem-23714	150	20	affected	affect	VERB
fbem-23714	150	21	by	by	ADP
fbem-23714	150	22	hacker	hacker	NOUN
fbem-23714	150	23	attacks	attack	NOUN
fbem-23714	150	24	,	,	PUNCT
fbem-23714	150	25	fraud	fraud	NOUN
fbem-23714	150	26	and	and	CCONJ
fbem-23714	150	27	other	other	ADJ
fbem-23714	150	28	issues	issue	NOUN
fbem-23714	150	29	.	.	PUNCT
fbem-23714	151	1	banks	bank	NOUN
fbem-23714	151	2	need	need	VERB
fbem-23714	151	3	to	to	PART
fbem-23714	151	4	strengthen	strengthen	VERB
fbem-23714	151	5	network	network	NOUN
fbem-23714	151	6	security	security	NOUN
fbem-23714	151	7	and	and	CCONJ
fbem-23714	151	8	data	datum	NOUN
fbem-23714	151	9	privacy	privacy	NOUN
fbem-23714	151	10	protection	protection	NOUN
fbem-23714	151	11	360	360	NUM
fbem-23714	151	12	measures	measure	NOUN
fbem-23714	151	13	and	and	CCONJ
fbem-23714	151	14	adopt	adopt	VERB
fbem-23714	151	15	advanced	advanced	ADJ
fbem-23714	151	16	encryption	encryption	NOUN
fbem-23714	151	17	technology	technology	NOUN
fbem-23714	151	18	and	and	CCONJ
fbem-23714	151	19	identity	identity	NOUN
fbem-23714	151	20	verification	verification	NOUN
fbem-23714	151	21	mechanisms	mechanism	NOUN
fbem-23714	151	22	to	to	PART
fbem-23714	151	23	ensure	ensure	VERB
fbem-23714	151	24	that	that	SCONJ
fbem-23714	151	25	customers	customer	NOUN
fbem-23714	151	26	'	'	PART
fbem-23714	151	27	funds	fund	NOUN
fbem-23714	151	28	and	and	CCONJ
fbem-23714	151	29	information	information	NOUN
fbem-23714	151	30	are	be	AUX
fbem-23714	151	31	effectively	effectively	ADV
fbem-23714	151	32	protected	protect	VERB
fbem-23714	151	33	.	.	PUNCT
fbem-23714	152	1	when	when	SCONJ
fbem-23714	152	2	banks	bank	NOUN
fbem-23714	152	3	can	can	AUX
fbem-23714	152	4	provide	provide	VERB
fbem-23714	152	5	digital	digital	ADJ
fbem-23714	152	6	banking	banking	NOUN
fbem-23714	152	7	services	service	NOUN
fbem-23714	152	8	with	with	ADP
fbem-23714	152	9	higher	high	ADJ
fbem-23714	152	10	security	security	NOUN
fbem-23714	152	11	,	,	PUNCT
fbem-23714	152	12	customers	customer	NOUN
fbem-23714	152	13	will	will	AUX
fbem-23714	152	14	be	be	AUX
fbem-23714	152	15	more	more	ADV
fbem-23714	152	16	trusting	trusting	ADJ
fbem-23714	152	17	and	and	CCONJ
fbem-23714	152	18	satisfied	satisfied	ADJ
fbem-23714	152	19	with	with	ADP
fbem-23714	152	20	the	the	DET
fbem-23714	152	21	bank	bank	NOUN
fbem-23714	152	22	's	's	PART
fbem-23714	152	23	services	service	NOUN
fbem-23714	152	24	and	and	CCONJ
fbem-23714	152	25	enhance	enhance	VERB
fbem-23714	152	26	their	their	PRON
fbem-23714	152	27	loyalty	loyalty	NOUN
fbem-23714	152	28	to	to	ADP
fbem-23714	152	29	the	the	DET
fbem-23714	152	30	bank	bank	NOUN
fbem-23714	152	31	.	.	PUNCT
fbem-23714	153	1	finally	finally	ADV
fbem-23714	153	2	,	,	PUNCT
fbem-23714	153	3	personalized	personalized	ADJ
fbem-23714	153	4	service	service	NOUN
fbem-23714	153	5	has	have	VERB
fbem-23714	153	6	a	a	DET
fbem-23714	153	7	significant	significant	ADJ
fbem-23714	153	8	positive	positive	ADJ
fbem-23714	153	9	impact	impact	NOUN
fbem-23714	153	10	on	on	ADP
fbem-23714	153	11	customer	customer	NOUN
fbem-23714	153	12	satisfaction	satisfaction	NOUN
fbem-23714	153	13	.	.	PUNCT
fbem-23714	154	1	digital	digital	ADJ
fbem-23714	154	2	banking	banking	NOUN
fbem-23714	154	3	services	service	NOUN
fbem-23714	154	4	can	can	AUX
fbem-23714	154	5	provide	provide	VERB
fbem-23714	154	6	personalized	personalized	ADJ
fbem-23714	154	7	services	service	NOUN
fbem-23714	154	8	by	by	ADP
fbem-23714	154	9	collecting	collect	VERB
fbem-23714	154	10	and	and	CCONJ
fbem-23714	154	11	analyzing	analyze	VERB
fbem-23714	154	12	customer	customer	NOUN
fbem-23714	154	13	data	datum	NOUN
fbem-23714	154	14	to	to	PART
fbem-23714	154	15	understand	understand	VERB
fbem-23714	154	16	their	their	PRON
fbem-23714	154	17	preferences	preference	NOUN
fbem-23714	154	18	and	and	CCONJ
fbem-23714	154	19	needs	need	NOUN
fbem-23714	154	20	.	.	PUNCT
fbem-23714	155	1	for	for	ADP
fbem-23714	155	2	example	example	NOUN
fbem-23714	155	3	,	,	PUNCT
fbem-23714	155	4	banks	bank	NOUN
fbem-23714	155	5	can	can	AUX
fbem-23714	155	6	recommend	recommend	VERB
fbem-23714	155	7	financial	financial	ADJ
fbem-23714	155	8	products	product	NOUN
fbem-23714	155	9	and	and	CCONJ
fbem-23714	155	10	financial	financial	ADJ
fbem-23714	155	11	solutions	solution	NOUN
fbem-23714	155	12	suitable	suitable	ADJ
fbem-23714	155	13	for	for	ADP
fbem-23714	155	14	customers	customer	NOUN
fbem-23714	155	15	based	base	VERB
fbem-23714	155	16	on	on	ADP
fbem-23714	155	17	their	their	PRON
fbem-23714	155	18	consumption	consumption	NOUN
fbem-23714	155	19	habits	habit	NOUN
fbem-23714	155	20	and	and	CCONJ
fbem-23714	155	21	financial	financial	ADJ
fbem-23714	155	22	status	status	NOUN
fbem-23714	155	23	.	.	PUNCT
fbem-23714	156	1	banks	bank	NOUN
fbem-23714	156	2	can	can	AUX
fbem-23714	156	3	also	also	ADV
fbem-23714	156	4	provide	provide	VERB
fbem-23714	156	5	customers	customer	NOUN
fbem-23714	156	6	with	with	ADP
fbem-23714	156	7	customized	customized	ADJ
fbem-23714	156	8	services	service	NOUN
fbem-23714	156	9	based	base	VERB
fbem-23714	156	10	on	on	ADP
fbem-23714	156	11	their	their	PRON
fbem-23714	156	12	preferences	preference	NOUN
fbem-23714	156	13	and	and	CCONJ
fbem-23714	156	14	wishes	wish	NOUN
fbem-23714	156	15	,	,	PUNCT
fbem-23714	156	16	such	such	ADJ
fbem-23714	156	17	as	as	ADP
fbem-23714	156	18	special	special	ADJ
fbem-23714	156	19	credit	credit	NOUN
fbem-23714	156	20	card	card	NOUN
fbem-23714	156	21	benefits	benefit	NOUN
fbem-23714	156	22	,	,	PUNCT
fbem-23714	156	23	high	high	ADJ
fbem-23714	156	24	-	-	PUNCT
fbem-23714	156	25	quality	quality	NOUN
fbem-23714	156	26	customer	customer	NOUN
fbem-23714	156	27	service	service	NOUN
fbem-23714	156	28	,	,	PUNCT
fbem-23714	156	29	etc	etc	X
fbem-23714	156	30	.	.	X
fbem-23714	156	31	personalized	personalized	ADJ
fbem-23714	156	32	services	service	NOUN
fbem-23714	156	33	can	can	AUX
fbem-23714	156	34	meet	meet	VERB
fbem-23714	156	35	the	the	DET
fbem-23714	156	36	individual	individual	ADJ
fbem-23714	156	37	needs	need	NOUN
fbem-23714	156	38	of	of	ADP
fbem-23714	156	39	customers	customer	NOUN
fbem-23714	156	40	and	and	CCONJ
fbem-23714	156	41	make	make	VERB
fbem-23714	156	42	them	they	PRON
fbem-23714	156	43	feel	feel	VERB
fbem-23714	156	44	cared	care	VERB
fbem-23714	156	45	for	for	ADP
fbem-23714	156	46	and	and	CCONJ
fbem-23714	156	47	valued	value	VERB
fbem-23714	156	48	,	,	PUNCT
fbem-23714	156	49	thus	thus	ADV
fbem-23714	156	50	improving	improve	VERB
fbem-23714	156	51	customer	customer	NOUN
fbem-23714	156	52	satisfaction	satisfaction	NOUN
fbem-23714	156	53	and	and	CCONJ
fbem-23714	156	54	loyalty	loyalty	NOUN
fbem-23714	156	55	.	.	PUNCT
fbem-23714	157	1	customers	customer	NOUN
fbem-23714	157	2	who	who	PRON
fbem-23714	157	3	feel	feel	VERB
fbem-23714	157	4	valued	value	VERB
fbem-23714	157	5	and	and	CCONJ
fbem-23714	157	6	cared	care	VERB
fbem-23714	157	7	for	for	ADP
fbem-23714	157	8	are	be	AUX
fbem-23714	157	9	more	more	ADV
fbem-23714	157	10	likely	likely	ADJ
fbem-23714	157	11	to	to	PART
fbem-23714	157	12	choose	choose	VERB
fbem-23714	157	13	to	to	PART
fbem-23714	157	14	continue	continue	VERB
fbem-23714	157	15	using	use	VERB
fbem-23714	157	16	the	the	DET
fbem-23714	157	17	bank	bank	NOUN
fbem-23714	157	18	's	's	PART
fbem-23714	157	19	services	service	NOUN
fbem-23714	157	20	.	.	PUNCT
fbem-23714	158	1	in	in	ADP
fbem-23714	158	2	summary	summary	NOUN
fbem-23714	158	3	,	,	PUNCT
fbem-23714	158	4	convenience	convenience	NOUN
fbem-23714	158	5	,	,	PUNCT
fbem-23714	158	6	security	security	NOUN
fbem-23714	158	7	and	and	CCONJ
fbem-23714	158	8	personalized	personalized	ADJ
fbem-23714	158	9	services	service	NOUN
fbem-23714	158	10	are	be	AUX
fbem-23714	158	11	important	important	ADJ
fbem-23714	158	12	aspects	aspect	NOUN
fbem-23714	158	13	of	of	ADP
fbem-23714	158	14	digital	digital	ADJ
fbem-23714	158	15	banking	banking	NOUN
fbem-23714	158	16	service	service	NOUN
fbem-23714	158	17	quality	quality	NOUN
fbem-23714	158	18	and	and	CCONJ
fbem-23714	158	19	have	have	VERB
fbem-23714	158	20	a	a	DET
fbem-23714	158	21	positive	positive	ADJ
fbem-23714	158	22	impact	impact	NOUN
fbem-23714	158	23	on	on	ADP
fbem-23714	158	24	customer	customer	NOUN
fbem-23714	158	25	satisfaction	satisfaction	NOUN
fbem-23714	158	26	.	.	PUNCT
fbem-23714	159	1	in	in	ADP
fbem-23714	159	2	addition	addition	NOUN
fbem-23714	159	3	,	,	PUNCT
fbem-23714	159	4	based	base	VERB
fbem-23714	159	5	on	on	ADP
fbem-23714	159	6	the	the	DET
fbem-23714	159	7	characteristics	characteristic	NOUN
fbem-23714	159	8	and	and	CCONJ
fbem-23714	159	9	needs	need	NOUN
fbem-23714	159	10	of	of	ADP
fbem-23714	159	11	different	different	ADJ
fbem-23714	159	12	customer	customer	NOUN
fbem-23714	159	13	groups	group	NOUN
fbem-23714	159	14	,	,	PUNCT
fbem-23714	159	15	we	we	PRON
fbem-23714	159	16	carry	carry	VERB
fbem-23714	159	17	out	out	ADP
fbem-23714	159	18	targeted	target	VERB
fbem-23714	159	19	service	service	NOUN
fbem-23714	159	20	innovation	innovation	NOUN
fbem-23714	159	21	and	and	CCONJ
fbem-23714	159	22	improvement	improvement	NOUN
fbem-23714	159	23	to	to	PART
fbem-23714	159	24	further	far	ADV
fbem-23714	159	25	improve	improve	VERB
fbem-23714	159	26	customer	customer	NOUN
fbem-23714	159	27	satisfaction	satisfaction	NOUN
fbem-23714	159	28	.	.	PUNCT
fbem-23714	160	1	the	the	DET
fbem-23714	160	2	research	research	NOUN
fbem-23714	160	3	hypotheses	hypothese	VERB
fbem-23714	160	4	h1	h1	ADJ
fbem-23714	160	5	,	,	PUNCT
fbem-23714	160	6	h2	h2	NOUN
fbem-23714	160	7	and	and	CCONJ
fbem-23714	160	8	h3	h3	NOUN
fbem-23714	160	9	were	be	AUX
fbem-23714	160	10	all	all	PRON
fbem-23714	160	11	verified	verify	VERB
fbem-23714	160	12	,	,	PUNCT
fbem-23714	160	13	that	that	ADV
fbem-23714	160	14	is	is	ADV
fbem-23714	160	15	,	,	PUNCT
fbem-23714	160	16	convenience	convenience	NOUN
fbem-23714	160	17	,	,	PUNCT
fbem-23714	160	18	security	security	NOUN
fbem-23714	160	19	and	and	CCONJ
fbem-23714	160	20	personalized	personalized	ADJ
fbem-23714	160	21	services	service	NOUN
fbem-23714	160	22	all	all	PRON
fbem-23714	160	23	have	have	VERB
fbem-23714	160	24	a	a	DET
fbem-23714	160	25	positive	positive	ADJ
fbem-23714	160	26	impact	impact	NOUN
fbem-23714	160	27	on	on	ADP
fbem-23714	160	28	satisfaction	satisfaction	NOUN
fbem-23714	160	29	.	.	PUNCT
fbem-23714	161	1	this	this	PRON
fbem-23714	161	2	means	mean	VERB
fbem-23714	161	3	that	that	SCONJ
fbem-23714	161	4	if	if	SCONJ
fbem-23714	161	5	companies	company	NOUN
fbem-23714	161	6	can	can	AUX
fbem-23714	161	7	provide	provide	VERB
fbem-23714	161	8	more	more	ADV
fbem-23714	161	9	convenient	convenient	ADJ
fbem-23714	161	10	,	,	PUNCT
fbem-23714	161	11	secure	secure	ADJ
fbem-23714	161	12	and	and	CCONJ
fbem-23714	161	13	personalized	personalized	ADJ
fbem-23714	161	14	services	service	NOUN
fbem-23714	161	15	in	in	ADP
fbem-23714	161	16	their	their	PRON
fbem-23714	161	17	services	service	NOUN
fbem-23714	161	18	,	,	PUNCT
fbem-23714	161	19	customer	customer	NOUN
fbem-23714	161	20	satisfaction	satisfaction	NOUN
fbem-23714	161	21	will	will	AUX
fbem-23714	161	22	increase	increase	VERB
fbem-23714	161	23	.	.	PUNCT
fbem-23714	162	1	therefore	therefore	ADV
fbem-23714	162	2	,	,	PUNCT
fbem-23714	162	3	when	when	SCONJ
fbem-23714	162	4	providing	provide	VERB
fbem-23714	162	5	digital	digital	ADJ
fbem-23714	162	6	banking	banking	NOUN
fbem-23714	162	7	services	service	NOUN
fbem-23714	162	8	,	,	PUNCT
fbem-23714	162	9	banks	bank	NOUN
fbem-23714	162	10	should	should	AUX
fbem-23714	162	11	focus	focus	VERB
fbem-23714	162	12	on	on	ADP
fbem-23714	162	13	improving	improve	VERB
fbem-23714	162	14	convenience	convenience	NOUN
fbem-23714	162	15	,	,	PUNCT
fbem-23714	162	16	strengthening	strengthen	VERB
fbem-23714	162	17	security	security	NOUN
fbem-23714	162	18	protection	protection	NOUN
fbem-23714	162	19	measures	measure	NOUN
fbem-23714	162	20	,	,	PUNCT
fbem-23714	162	21	and	and	CCONJ
fbem-23714	162	22	providing	provide	VERB
fbem-23714	162	23	personalized	personalized	ADJ
fbem-23714	162	24	services	service	NOUN
fbem-23714	162	25	to	to	PART
fbem-23714	162	26	improve	improve	VERB
fbem-23714	162	27	customer	customer	NOUN
fbem-23714	162	28	satisfaction	satisfaction	NOUN
fbem-23714	162	29	.	.	PUNCT
fbem-23714	163	1	references	reference	NOUN
fbem-23714	163	2	[	[	X
fbem-23714	163	3	1	1	NUM
fbem-23714	163	4	]	]	X
fbem-23714	163	5	cardozo	cardozo	PROPN
fbem-23714	163	6	,	,	PUNCT
fbem-23714	163	7	r.	r.	PROPN
fbem-23714	163	8	n.	n.	PROPN
fbem-23714	163	9	(	(	PUNCT
fbem-23714	163	10	1965	1965	NUM
fbem-23714	163	11	)	)	PUNCT
fbem-23714	163	12	.	.	PUNCT
fbem-23714	164	1	an	an	DET
fbem-23714	164	2	experimental	experimental	ADJ
fbem-23714	164	3	study	study	NOUN
fbem-23714	164	4	of	of	ADP
fbem-23714	164	5	customer	customer	NOUN
fbem-23714	164	6	effort	effort	NOUN
fbem-23714	164	7	,	,	PUNCT
fbem-23714	164	8	expectation	expectation	NOUN
fbem-23714	164	9	,	,	PUNCT
fbem-23714	164	10	and	and	CCONJ
fbem-23714	164	11	satisfaction	satisfaction	NOUN
fbem-23714	164	12	.	.	PUNCT
fbem-23714	165	1	journal	journal	NOUN
fbem-23714	165	2	of	of	ADP
fbem-23714	165	3	marketing	marketing	NOUN
fbem-23714	165	4	research	research	NOUN
fbem-23714	165	5	,	,	PUNCT
fbem-23714	165	6	2(3	2(3	NUM
fbem-23714	165	7	)	)	PUNCT
fbem-23714	165	8	,	,	PUNCT
fbem-23714	165	9	244	244	NUM
fbem-23714	165	10	-	-	SYM
fbem-23714	165	11	249	249	NUM
fbem-23714	165	12	.	.	PUNCT
fbem-23714	166	1	[	[	X
fbem-23714	166	2	2	2	NUM
fbem-23714	166	3	]	]	SYM
fbem-23714	166	4	bearden	bearden	PROPN
fbem-23714	166	5	,	,	PUNCT
fbem-23714	166	6	w.	w.	PROPN
fbem-23714	166	7	o.	o.	PROPN
fbem-23714	166	8	,	,	PUNCT
fbem-23714	166	9	lichtenstein	lichtenstein	PROPN
fbem-23714	166	10	,	,	PUNCT
fbem-23714	166	11	d.	d.	PROPN
fbem-23714	166	12	r.	r.	PROPN
fbem-23714	166	13	,	,	PUNCT
fbem-23714	166	14	&	&	CCONJ
fbem-23714	166	15	teel	teel	PROPN
fbem-23714	166	16	,	,	PUNCT
fbem-23714	166	17	j.	j.	PROPN
fbem-23714	166	18	e.	e.	PROPN
fbem-23714	166	19	(	(	PUNCT
fbem-23714	166	20	1984	1984	NUM
fbem-23714	166	21	)	)	PUNCT
fbem-23714	166	22	.	.	PUNCT
fbem-23714	167	1	comparison	comparison	NOUN
fbem-23714	167	2	price	price	NOUN
fbem-23714	167	3	,	,	PUNCT
fbem-23714	167	4	coupon	coupon	NOUN
fbem-23714	167	5	,	,	PUNCT
fbem-23714	167	6	and	and	CCONJ
fbem-23714	167	7	brand	brand	NOUN
fbem-23714	167	8	effects	effect	NOUN
fbem-23714	167	9	on	on	ADP
fbem-23714	167	10	consumer	consumer	NOUN
fbem-23714	167	11	reactions	reaction	NOUN
fbem-23714	167	12	to	to	ADP
fbem-23714	167	13	retail	retail	ADJ
fbem-23714	167	14	newspaper	newspaper	NOUN
fbem-23714	167	15	advertisements	advertisement	NOUN
fbem-23714	167	16	.	.	PUNCT
fbem-23714	168	1	journal	journal	NOUN
fbem-23714	168	2	of	of	ADP
fbem-23714	168	3	retailing	retailing	NOUN
fbem-23714	168	4	,	,	PUNCT
fbem-23714	168	5	60(2	60(2	NUM
fbem-23714	168	6	)	)	PUNCT
fbem-23714	168	7	,	,	PUNCT
fbem-23714	168	8	11	11	NUM
fbem-23714	168	9	-	-	SYM
fbem-23714	168	10	34	34	NUM
fbem-23714	168	11	.	.	PUNCT
fbem-23714	169	1	[	[	X
fbem-23714	169	2	3	3	NUM
fbem-23714	169	3	]	]	X
fbem-23714	169	4	depiana	depiana	PROPN
fbem-23714	169	5	,	,	PUNCT
fbem-23714	169	6	e.	e.	PROPN
fbem-23714	169	7	,	,	PUNCT
fbem-23714	169	8	&	&	CCONJ
fbem-23714	169	9	hartelina	hartelina	PROPN
fbem-23714	169	10	,	,	PUNCT
fbem-23714	169	11	h.	h.	PROPN
fbem-23714	169	12	(	(	PUNCT
fbem-23714	169	13	2021	2021	NUM
fbem-23714	169	14	)	)	PUNCT
fbem-23714	169	15	.	.	PUNCT
fbem-23714	170	1	marketing	marketing	NOUN
fbem-23714	170	2	service	service	NOUN
fbem-23714	170	3	on	on	ADP
fbem-23714	170	4	customer	customer	NOUN
fbem-23714	170	5	satisfaction	satisfaction	NOUN
fbem-23714	170	6	of	of	ADP
fbem-23714	170	7	yamaha	yamaha	PROPN
fbem-23714	170	8	motorcycles	motorcycle	NOUN
fbem-23714	170	9	at	at	ADP
fbem-23714	170	10	pt	pt	PROPN
fbem-23714	170	11	ramarayo	ramarayo	PROPN
fbem-23714	170	12	perdana	perdana	PROPN
fbem-23714	170	13	karawang	karawang	PROPN
fbem-23714	170	14	.	.	PUNCT
fbem-23714	171	1	aptisi	aptisi	ADJ
fbem-23714	171	2	transactions	transaction	NOUN
fbem-23714	171	3	on	on	ADP
fbem-23714	171	4	management	management	NOUN
fbem-23714	171	5	(	(	PUNCT
fbem-23714	171	6	atm	atm	PROPN
fbem-23714	171	7	)	)	PUNCT
fbem-23714	171	8	,	,	PUNCT
fbem-23714	171	9	25(1	25(1	NUM
fbem-23714	171	10	)	)	PUNCT
fbem-23714	171	11	,	,	PUNCT
fbem-23714	171	12	75	75	NUM
fbem-23714	171	13	-	-	SYM
fbem-23714	171	14	99	99	NUM
fbem-23714	171	15	.	.	PUNCT
fbem-23714	172	1	[	[	X
fbem-23714	172	2	4	4	NUM
fbem-23714	172	3	]	]	X
fbem-23714	172	4	kim	kim	PROPN
fbem-23714	172	5	,	,	PUNCT
fbem-23714	172	6	g.	g.	PROPN
fbem-23714	172	7	,	,	PUNCT
fbem-23714	172	8	&	&	CCONJ
fbem-23714	172	9	shim	shim	NOUN
fbem-23714	172	10	,	,	PUNCT
fbem-23714	172	11	m.	m.	NOUN
fbem-23714	172	12	(	(	PUNCT
fbem-23714	172	13	2016	2016	NUM
fbem-23714	172	14	)	)	PUNCT
fbem-23714	172	15	.	.	PUNCT
fbem-23714	173	1	study	study	NOUN
fbem-23714	173	2	on	on	ADP
fbem-23714	173	3	the	the	DET
fbem-23714	173	4	mobile	mobile	ADJ
fbem-23714	173	5	fintech	fintech	NOUN
fbem-23714	173	6	vacant	vacant	ADJ
fbem-23714	173	7	technology	technology	NOUN
fbem-23714	173	8	using	use	VERB
fbem-23714	173	9	patent	patent	NOUN
fbem-23714	173	10	analysis	analysis	NOUN
fbem-23714	173	11	,	,	PUNCT
fbem-23714	173	12	32(4	32(4	NUM
fbem-23714	173	13	)	)	PUNCT
fbem-23714	173	14	,	,	PUNCT
fbem-23714	173	15	185	185	NUM
fbem-23714	173	16	-	-	SYM
fbem-23714	173	17	211	211	NUM
fbem-23714	173	18	.	.	PUNCT
fbem-23714	174	1	[	[	X
fbem-23714	174	2	5	5	NUM
fbem-23714	174	3	]	]	PUNCT
fbem-23714	174	4	lien	lien	NOUN
fbem-23714	174	5	,	,	PUNCT
fbem-23714	174	6	n.	n.	NOUN
fbem-23714	174	7	,	,	PUNCT
fbem-23714	174	8	doan	doan	NOUN
fbem-23714	174	9	,	,	PUNCT
fbem-23714	174	10	t.	t.	PROPN
fbem-23714	174	11	,	,	PUNCT
fbem-23714	174	12	&	&	CCONJ
fbem-23714	174	13	bui	bui	PROPN
fbem-23714	174	14	,	,	PUNCT
fbem-23714	174	15	t.	t.	PROPN
fbem-23714	174	16	n.	n.	PROPN
fbem-23714	174	17	(	(	PUNCT
fbem-23714	174	18	2020	2020	NUM
fbem-23714	174	19	)	)	PUNCT
fbem-23714	174	20	.	.	PUNCT
fbem-23714	175	1	fintech	fintech	NOUN
fbem-23714	175	2	and	and	CCONJ
fbem-23714	175	3	banking	banking	NOUN
fbem-23714	175	4	:	:	PUNCT
fbem-23714	175	5	evidence	evidence	NOUN
fbem-23714	175	6	from	from	ADP
fbem-23714	175	7	vietnam	vietnam	PROPN
fbem-23714	175	8	.	.	PUNCT
fbem-23714	175	9	journal	journal	PROPN
fbem-23714	175	10	of	of	ADP
fbem-23714	175	11	asian	asian	ADJ
fbem-23714	175	12	finance	finance	NOUN
fbem-23714	175	13	economics	economic	NOUN
fbem-23714	175	14	and	and	CCONJ
fbem-23714	175	15	business	business	NOUN
fbem-23714	175	16	,	,	PUNCT
fbem-23714	175	17	45(9	45(9	NOUN
fbem-23714	175	18	)	)	PUNCT
fbem-23714	175	19	,	,	PUNCT
fbem-23714	175	20	54	54	NUM
fbem-23714	175	21	-	-	SYM
fbem-23714	175	22	80	80	NUM
fbem-23714	175	23	.	.	PUNCT
fbem-23714	176	1	[	[	X
fbem-23714	176	2	6	6	NUM
fbem-23714	176	3	]	]	SYM
fbem-23714	176	4	kuznyetsova	kuznyetsova	PROPN
fbem-23714	176	5	,	,	PUNCT
fbem-23714	176	6	a.	a.	PROPN
fbem-23714	176	7	,	,	PUNCT
fbem-23714	176	8	&	&	CCONJ
fbem-23714	176	9	pogorelenko	pogorelenko	PROPN
fbem-23714	176	10	,	,	PUNCT
fbem-23714	176	11	n.	n.	NOUN
fbem-23714	176	12	(	(	PUNCT
fbem-23714	176	13	2018	2018	NUM
fbem-23714	176	14	)	)	PUNCT
fbem-23714	176	15	.	.	PUNCT
fbem-23714	177	1	assessment	assessment	NOUN
fbem-23714	177	2	of	of	ADP
fbem-23714	177	3	the	the	DET
fbem-23714	177	4	banking	banking	NOUN
fbem-23714	177	5	system	system	NOUN
fbem-23714	177	6	financial	financial	ADJ
fbem-23714	177	7	stability	stability	NOUN
fbem-23714	177	8	based	base	VERB
fbem-23714	177	9	on	on	ADP
fbem-23714	177	10	the	the	DET
fbem-23714	177	11	differential	differential	ADJ
fbem-23714	177	12	approach	approach	NOUN
fbem-23714	177	13	.	.	PUNCT
fbem-23714	178	1	banks	bank	NOUN
fbem-23714	178	2	and	and	CCONJ
fbem-23714	178	3	bank	bank	NOUN
fbem-23714	178	4	systems	system	NOUN
fbem-23714	178	5	,	,	PUNCT
fbem-23714	178	6	13(3	13(3	NUM
fbem-23714	178	7	)	)	PUNCT
fbem-23714	178	8	,	,	PUNCT
fbem-23714	178	9	120	120	NUM
fbem-23714	178	10	-	-	SYM
fbem-23714	178	11	133	133	NUM
fbem-23714	178	12	.	.	PUNCT
fbem-23714	179	1	[	[	X
fbem-23714	179	2	7	7	NUM
fbem-23714	179	3	]	]	X
fbem-23714	179	4	sub	sub	NOUN
fbem-23714	179	5	,	,	PUNCT
fbem-23714	179	6	b.	b.	PROPN
fbem-23714	179	7	,	,	PUNCT
fbem-23714	179	8	&	&	CCONJ
fbem-23714	179	9	han	han	PROPN
fbem-23714	179	10	,	,	PUNCT
fbem-23714	179	11	i.	i.	PROPN
fbem-23714	179	12	(	(	PUNCT
fbem-23714	179	13	2013	2013	NUM
fbem-23714	179	14	)	)	PUNCT
fbem-23714	179	15	.	.	PUNCT
fbem-23714	179	16	effect	effect	NOUN
fbem-23714	179	17	of	of	ADP
fbem-23714	179	18	trust	trust	NOUN
fbem-23714	179	19	on	on	ADP
fbem-23714	179	20	customer	customer	NOUN
fbem-23714	179	21	acceptance	acceptance	NOUN
fbem-23714	179	22	of	of	ADP
fbem-23714	179	23	internet	internet	NOUN
fbem-23714	179	24	banking	banking	NOUN
fbem-23714	179	25	.	.	PUNCT
fbem-23714	180	1	electronic	electronic	ADJ
fbem-23714	180	2	commerce	commerce	NOUN
fbem-23714	180	3	research	research	NOUN
fbem-23714	180	4	and	and	CCONJ
fbem-23714	180	5	applications	application	NOUN
fbem-23714	180	6	,	,	PUNCT
fbem-23714	180	7	12(2	12(2	NUM
fbem-23714	180	8	)	)	PUNCT
fbem-23714	180	9	,	,	PUNCT
fbem-23714	180	10	109	109	NUM
fbem-23714	180	11	-	-	SYM
fbem-23714	180	12	110	110	NUM
fbem-23714	180	13	.	.	PUNCT
fbem-23714	181	1	[	[	X
fbem-23714	181	2	8	8	NUM
fbem-23714	181	3	]	]	PUNCT
fbem-23714	181	4	fumhe	fumhe	NOUN
fbem-23714	181	5	,	,	PUNCT
fbem-23714	181	6	a.	a.	NOUN
fbem-23714	181	7	n.	n.	NOUN
fbem-23714	181	8	(	(	PUNCT
fbem-23714	181	9	2019	2019	NUM
fbem-23714	181	10	)	)	PUNCT
fbem-23714	181	11	.	.	PUNCT
fbem-23714	182	1	customer	customer	NOUN
fbem-23714	182	2	adoption	adoption	NOUN
fbem-23714	182	3	and	and	CCONJ
fbem-23714	182	4	use	use	NOUN
fbem-23714	182	5	of	of	ADP
fbem-23714	182	6	the	the	DET
fbem-23714	182	7	electronic	electronic	ADJ
fbem-23714	182	8	statement	statement	NOUN
fbem-23714	182	9	service	service	NOUN
fbem-23714	182	10	in	in	ADP
fbem-23714	182	11	online	online	ADJ
fbem-23714	182	12	banking	banking	NOUN
fbem-23714	182	13	.	.	PUNCT
fbem-23714	183	1	dissertation	dissertation	NOUN
fbem-23714	183	2	(	(	PUNCT
fbem-23714	183	3	mcom)--university	mcom)--university	PROPN
fbem-23714	183	4	of	of	ADP
fbem-23714	183	5	pretoria	pretoria	PROPN
fbem-23714	183	6	.	.	PUNCT
fbem-23714	184	1	[	[	X
fbem-23714	184	2	9	9	NUM
fbem-23714	184	3	]	]	X
fbem-23714	184	4	ismail	ismail	PROPN
fbem-23714	184	5	,	,	PUNCT
fbem-23714	184	6	l.	l.	PROPN
fbem-23714	184	7	b.	b.	PROPN
fbem-23714	184	8	,	,	PUNCT
fbem-23714	184	9	&	&	CCONJ
fbem-23714	184	10	alawamleh	alawamleh	PROPN
fbem-23714	184	11	,	,	PUNCT
fbem-23714	184	12	m.	m.	NOUN
fbem-23714	184	13	(	(	PUNCT
fbem-23714	184	14	2017	2017	NUM
fbem-23714	184	15	)	)	PUNCT
fbem-23714	184	16	.	.	PUNCT
fbem-23714	185	1	the	the	DET
fbem-23714	185	2	impact	impact	NOUN
fbem-23714	185	3	of	of	ADP
fbem-23714	185	4	online	online	ADJ
fbem-23714	185	5	banking	banking	NOUN
fbem-23714	185	6	of	of	ADP
fbem-23714	185	7	customer	customer	NOUN
fbem-23714	185	8	satisfaction	satisfaction	NOUN
fbem-23714	185	9	in	in	ADP
fbem-23714	185	10	jordan	jordan	PROPN
fbem-23714	185	11	.	.	PUNCT
fbem-23714	186	1	journal	journal	PROPN
fbem-23714	186	2	of	of	ADP
fbem-23714	186	3	organisational	organisational	ADJ
fbem-23714	186	4	studies	study	NOUN
fbem-23714	186	5	&	&	CCONJ
fbem-23714	186	6	innovation	innovation	NOUN
fbem-23714	186	7	,	,	PUNCT
fbem-23714	186	8	4(2	4(2	NUM
fbem-23714	186	9	)	)	PUNCT
fbem-23714	186	10	,	,	PUNCT
fbem-23714	186	11	1	1	NUM
fbem-23714	186	12	-	-	SYM
fbem-23714	186	13	13	13	NUM
fbem-23714	186	14	.	.	PUNCT