id	sid	tid	token	lemma	pos
fbem-24796	1	1	frontiers	frontier	NOUN
fbem-24796	1	2	in	in	ADP
fbem-24796	1	3	business	business	NOUN
fbem-24796	1	4	,	,	PUNCT
fbem-24796	1	5	economics	economic	NOUN
fbem-24796	1	6	and	and	CCONJ
fbem-24796	1	7	management	management	NOUN
fbem-24796	1	8	issn	issn	PROPN
fbem-24796	1	9	:	:	PUNCT
fbem-24796	1	10	2766	2766	NUM
fbem-24796	1	11	-	-	PUNCT
fbem-24796	1	12	824x	824x	NUM
fbem-24796	1	13	|	|	ADJ
fbem-24796	1	14	vol	vol	NOUN
fbem-24796	1	15	.	.	PUNCT
fbem-24796	2	1	16	16	NUM
fbem-24796	2	2	,	,	PUNCT
fbem-24796	2	3	no	no	INTJ
fbem-24796	2	4	.	.	NOUN
fbem-24796	2	5	1	1	NUM
fbem-24796	2	6	,	,	PUNCT
fbem-24796	2	7	2024	2024	NUM
fbem-24796	2	8	450	450	NUM
fbem-24796	2	9	research	research	NOUN
fbem-24796	2	10	on	on	ADP
fbem-24796	2	11	virtual	virtual	ADJ
fbem-24796	2	12	credit	credit	NOUN
fbem-24796	2	13	cares	care	NOUN
fbem-24796	2	14	and	and	CCONJ
fbem-24796	2	15	the	the	DET
fbem-24796	2	16	consumption	consumption	NOUN
fbem-24796	2	17	behavior	behavior	NOUN
fbem-24796	2	18	of	of	ADP
fbem-24796	2	19	college	college	NOUN
fbem-24796	2	20	students	student	NOUN
fbem-24796	2	21	in	in	ADP
fbem-24796	2	22	guang	guang	PROPN
fbem-24796	2	23	zhou	zhou	PROPN
fbem-24796	2	24	,	,	PUNCT
fbem-24796	2	25	china	china	PROPN
fbem-24796	2	26	haifei	haifei	PROPN
fbem-24796	2	27	liu	liu	PROPN
fbem-24796	2	28	1	1	PROPN
fbem-24796	2	29	,	,	PUNCT
fbem-24796	2	30	2	2	NUM
fbem-24796	2	31	,	,	PUNCT
fbem-24796	2	32	*	*	PROPN
fbem-24796	2	33	,	,	PUNCT
fbem-24796	2	34	jiao	jiao	PROPN
fbem-24796	2	35	wang	wang	PROPN
fbem-24796	2	36	1	1	NUM
fbem-24796	2	37	,	,	PUNCT
fbem-24796	2	38	yulian	yulian	PROPN
fbem-24796	2	39	liu	liu	PROPN
fbem-24796	2	40	1	1	NUM
fbem-24796	2	41	1	1	NUM
fbem-24796	2	42	school	school	NOUN
fbem-24796	2	43	of	of	ADP
fbem-24796	2	44	economics	economic	NOUN
fbem-24796	2	45	,	,	PUNCT
fbem-24796	2	46	guangzhou	guangzhou	PROPN
fbem-24796	2	47	college	college	PROPN
fbem-24796	2	48	of	of	ADP
fbem-24796	2	49	commerce	commerce	PROPN
fbem-24796	2	50	,	,	PUNCT
fbem-24796	2	51	guangzhou	guangzhou	PROPN
fbem-24796	2	52	511363	511363	NUM
fbem-24796	2	53	,	,	PUNCT
fbem-24796	2	54	china	china	PROPN
fbem-24796	2	55	2	2	NUM
fbem-24796	2	56	university	university	NOUN
fbem-24796	2	57	of	of	ADP
fbem-24796	2	58	the	the	DET
fbem-24796	2	59	cordilleras	cordilleras	PROPN
fbem-24796	2	60	,	,	PUNCT
fbem-24796	2	61	baguio	baguio	PROPN
fbem-24796	2	62	city	city	NOUN
fbem-24796	2	63	2600	2600	NUM
fbem-24796	2	64	,	,	PUNCT
fbem-24796	3	1	philippines	philippine	NOUN
fbem-24796	3	2	*	*	PUNCT
fbem-24796	3	3	corresponding	correspond	VERB
fbem-24796	3	4	author	author	NOUN
fbem-24796	3	5	:	:	PUNCT
fbem-24796	3	6	haifei	haifei	PROPN
fbem-24796	3	7	liu	liu	PROPN
fbem-24796	3	8	(	(	PUNCT
fbem-24796	3	9	email	email	NOUN
fbem-24796	3	10	:	:	PUNCT
fbem-24796	3	11	h-l1172@students.uc-bcf.edu.ph	h-l1172@students.uc-bcf.edu.ph	PROPN
fbem-24796	3	12	or	or	CCONJ
fbem-24796	3	13	632134298@qq.com	632134298@qq.com	NUM
fbem-24796	3	14	)	)	PUNCT
fbem-24796	3	15	abstract	abstract	NOUN
fbem-24796	3	16	:	:	PUNCT
fbem-24796	3	17	this	this	DET
fbem-24796	3	18	paper	paper	NOUN
fbem-24796	3	19	selects	select	VERB
fbem-24796	3	20	the	the	DET
fbem-24796	3	21	consumption	consumption	NOUN
fbem-24796	3	22	of	of	ADP
fbem-24796	3	23	college	college	NOUN
fbem-24796	3	24	students	student	NOUN
fbem-24796	3	25	in	in	ADP
fbem-24796	3	26	guangzhou	guangzhou	PROPN
fbem-24796	3	27	,	,	PUNCT
fbem-24796	3	28	china	china	PROPN
fbem-24796	3	29	as	as	ADP
fbem-24796	3	30	the	the	DET
fbem-24796	3	31	research	research	NOUN
fbem-24796	3	32	object	object	NOUN
fbem-24796	3	33	.	.	PUNCT
fbem-24796	4	1	this	this	DET
fbem-24796	4	2	study	study	NOUN
fbem-24796	4	3	is	be	AUX
fbem-24796	4	4	an	an	DET
fbem-24796	4	5	expanded	expand	VERB
fbem-24796	4	6	study	study	NOUN
fbem-24796	4	7	on	on	ADP
fbem-24796	4	8	the	the	DET
fbem-24796	4	9	convenience	convenience	NOUN
fbem-24796	4	10	,	,	PUNCT
fbem-24796	4	11	security	security	NOUN
fbem-24796	4	12	,	,	PUNCT
fbem-24796	4	13	and	and	CCONJ
fbem-24796	4	14	integration	integration	NOUN
fbem-24796	4	15	of	of	ADP
fbem-24796	4	16	virtual	virtual	ADJ
fbem-24796	4	17	payments	payment	NOUN
fbem-24796	4	18	,	,	PUNCT
fbem-24796	4	19	as	as	ADV
fbem-24796	4	20	well	well	ADV
fbem-24796	4	21	as	as	ADP
fbem-24796	4	22	their	their	PRON
fbem-24796	4	23	impact	impact	NOUN
fbem-24796	4	24	on	on	ADP
fbem-24796	4	25	consumer	consumer	NOUN
fbem-24796	4	26	behavio	behavio	NOUN
fbem-24796	4	27	r	r	NOUN
fbem-24796	4	28	among	among	ADP
fbem-24796	4	29	college	college	NOUN
fbem-24796	4	30	students	student	NOUN
fbem-24796	4	31	,	,	PUNCT
fbem-24796	4	32	which	which	PRON
fbem-24796	4	33	to	to	ADP
fbem-24796	4	34	some	some	DET
fbem-24796	4	35	extent	extent	NOUN
fbem-24796	4	36	enriches	enrich	VERB
fbem-24796	4	37	the	the	DET
fbem-24796	4	38	research	research	NOUN
fbem-24796	4	39	results	result	NOUN
fbem-24796	4	40	in	in	ADP
fbem-24796	4	41	related	related	ADJ
fbem-24796	4	42	fields	field	NOUN
fbem-24796	4	43	.	.	PUNCT
fbem-24796	5	1	through	through	ADP
fbem-24796	5	2	questionnaires	questionnaire	NOUN
fbem-24796	5	3	and	and	CCONJ
fbem-24796	5	4	field	field	NOUN
fbem-24796	5	5	interviews	interview	NOUN
fbem-24796	5	6	,	,	PUNCT
fbem-24796	5	7	this	this	DET
fbem-24796	5	8	paper	paper	NOUN
fbem-24796	5	9	deeply	deeply	ADV
fbem-24796	5	10	explores	explore	VERB
fbem-24796	5	11	the	the	DET
fbem-24796	5	12	specific	specific	ADJ
fbem-24796	5	13	factors	factor	NOUN
fbem-24796	5	14	that	that	PRON
fbem-24796	5	15	affect	affect	VERB
fbem-24796	5	16	college	college	NOUN
fbem-24796	5	17	students	student	NOUN
fbem-24796	5	18	'	'	PART
fbem-24796	5	19	consumption	consumption	NOUN
fbem-24796	5	20	behavior	behavior	NOUN
fbem-24796	5	21	and	and	CCONJ
fbem-24796	5	22	the	the	DET
fbem-24796	5	23	impact	impact	NOUN
fbem-24796	5	24	these	these	DET
fbem-24796	5	25	factors	factor	NOUN
fbem-24796	5	26	will	will	AUX
fbem-24796	5	27	have	have	VERB
fbem-24796	5	28	on	on	ADP
fbem-24796	5	29	college	college	NOUN
fbem-24796	5	30	students	student	NOUN
fbem-24796	5	31	'	'	PART
fbem-24796	5	32	consumption	consumption	NOUN
fbem-24796	5	33	behavior	behavior	NOUN
fbem-24796	5	34	.	.	PUNCT
fbem-24796	6	1	this	this	DET
fbem-24796	6	2	study	study	NOUN
fbem-24796	6	3	focuses	focus	VERB
fbem-24796	6	4	on	on	ADP
fbem-24796	6	5	the	the	DET
fbem-24796	6	6	student	student	NOUN
fbem-24796	6	7	population	population	NOUN
fbem-24796	6	8	of	of	ADP
fbem-24796	6	9	guangzhou	guangzhou	PROPN
fbem-24796	6	10	college	college	PROPN
fbem-24796	6	11	of	of	ADP
fbem-24796	6	12	commerce	commerce	PROPN
fbem-24796	6	13	,	,	PUNCT
fbem-24796	6	14	and	and	CCONJ
fbem-24796	6	15	through	through	ADP
fbem-24796	6	16	empirical	empirical	ADJ
fbem-24796	6	17	research	research	NOUN
fbem-24796	6	18	,	,	PUNCT
fbem-24796	6	19	identifies	identify	VERB
fbem-24796	6	20	the	the	DET
fbem-24796	6	21	impact	impact	NOUN
fbem-24796	6	22	of	of	ADP
fbem-24796	6	23	virtual	virtual	ADJ
fbem-24796	6	24	payment	payment	NOUN
fbem-24796	6	25	services	service	NOUN
fbem-24796	6	26	on	on	ADP
fbem-24796	6	27	the	the	DET
fbem-24796	6	28	consumption	consumption	NOUN
fbem-24796	6	29	behavior	behavior	NOUN
fbem-24796	6	30	of	of	ADP
fbem-24796	6	31	college	college	NOUN
fbem-24796	6	32	students	student	NOUN
fbem-24796	6	33	.	.	PUNCT
fbem-24796	7	1	at	at	ADP
fbem-24796	7	2	the	the	DET
fbem-24796	7	3	same	same	ADJ
fbem-24796	7	4	time	time	NOUN
fbem-24796	7	5	,	,	PUNCT
fbem-24796	7	6	relevant	relevant	ADJ
fbem-24796	7	7	suggestions	suggestion	NOUN
fbem-24796	7	8	are	be	AUX
fbem-24796	7	9	put	put	VERB
fbem-24796	7	10	forward	forward	ADV
fbem-24796	7	11	from	from	ADP
fbem-24796	7	12	three	three	NUM
fbem-24796	7	13	aspects	aspect	NOUN
fbem-24796	7	14	:	:	PUNCT
fbem-24796	7	15	the	the	DET
fbem-24796	7	16	country	country	NOUN
fbem-24796	7	17	,	,	PUNCT
fbem-24796	7	18	the	the	DET
fbem-24796	7	19	internet	internet	NOUN
fbem-24796	7	20	consumer	consumer	NOUN
fbem-24796	7	21	credit	credit	NOUN
fbem-24796	7	22	platform	platform	NOUN
fbem-24796	7	23	and	and	CCONJ
fbem-24796	7	24	college	college	NOUN
fbem-24796	7	25	students	student	NOUN
fbem-24796	7	26	themselves	themselves	PRON
fbem-24796	7	27	.	.	PUNCT
fbem-24796	8	1	objective	objective	ADJ
fbem-24796	8	2	to	to	PART
fbem-24796	8	3	make	make	VERB
fbem-24796	8	4	internet	internet	NOUN
fbem-24796	8	5	consumer	consumer	NOUN
fbem-24796	8	6	credit	credit	NOUN
fbem-24796	8	7	more	more	ADV
fbem-24796	8	8	suitable	suitable	ADJ
fbem-24796	8	9	for	for	ADP
fbem-24796	8	10	the	the	DET
fbem-24796	8	11	emerging	emerge	VERB
fbem-24796	8	12	market	market	NOUN
fbem-24796	8	13	of	of	ADP
fbem-24796	8	14	college	college	NOUN
fbem-24796	8	15	students	student	NOUN
fbem-24796	8	16	and	and	CCONJ
fbem-24796	8	17	to	to	PART
fbem-24796	8	18	help	help	VERB
fbem-24796	8	19	college	college	NOUN
fbem-24796	8	20	students	student	NOUN
fbem-24796	8	21	consume	consume	VERB
fbem-24796	8	22	rationally	rationally	ADV
fbem-24796	8	23	and	and	CCONJ
fbem-24796	8	24	establish	establish	VERB
fbem-24796	8	25	correct	correct	ADJ
fbem-24796	8	26	consumption	consumption	NOUN
fbem-24796	8	27	concept	concept	NOUN
fbem-24796	8	28	.	.	PUNCT
fbem-24796	9	1	keywords	keyword	NOUN
fbem-24796	9	2	:	:	PUNCT
fbem-24796	9	3	virtual	virtual	ADJ
fbem-24796	9	4	payment	payment	NOUN
fbem-24796	9	5	,	,	PUNCT
fbem-24796	9	6	consumer	consumer	NOUN
fbem-24796	9	7	behavior	behavior	NOUN
fbem-24796	9	8	,	,	PUNCT
fbem-24796	9	9	influencing	influence	VERB
fbem-24796	9	10	factors	factor	NOUN
fbem-24796	9	11	.	.	PUNCT
fbem-24796	10	1	1	1	X
fbem-24796	10	2	.	.	X
fbem-24796	10	3	introduction	introduction	NOUN
fbem-24796	10	4	the	the	DET
fbem-24796	10	5	emergence	emergence	NOUN
fbem-24796	10	6	of	of	ADP
fbem-24796	10	7	consumer	consumer	NOUN
fbem-24796	10	8	credit	credit	NOUN
fbem-24796	10	9	has	have	AUX
fbem-24796	10	10	played	play	VERB
fbem-24796	10	11	a	a	DET
fbem-24796	10	12	positive	positive	ADJ
fbem-24796	10	13	role	role	NOUN
fbem-24796	10	14	in	in	ADP
fbem-24796	10	15	increasing	increase	VERB
fbem-24796	10	16	the	the	DET
fbem-24796	10	17	current	current	ADJ
fbem-24796	10	18	total	total	ADJ
fbem-24796	10	19	demand	demand	NOUN
fbem-24796	10	20	of	of	ADP
fbem-24796	10	21	society	society	NOUN
fbem-24796	10	22	,	,	PUNCT
fbem-24796	10	23	and	and	CCONJ
fbem-24796	10	24	has	have	AUX
fbem-24796	10	25	rapidly	rapidly	ADV
fbem-24796	10	26	promoted	promote	VERB
fbem-24796	10	27	the	the	DET
fbem-24796	10	28	development	development	NOUN
fbem-24796	10	29	of	of	ADP
fbem-24796	10	30	the	the	DET
fbem-24796	10	31	world	world	NOUN
fbem-24796	10	32	economy	economy	NOUN
fbem-24796	10	33	in	in	ADP
fbem-24796	10	34	a	a	DET
fbem-24796	10	35	short	short	ADJ
fbem-24796	10	36	time	time	NOUN
fbem-24796	10	37	.	.	PUNCT
fbem-24796	11	1	consumer	consumer	NOUN
fbem-24796	11	2	credit	credit	NOUN
fbem-24796	11	3	has	have	VERB
fbem-24796	11	4	a	a	DET
fbem-24796	11	5	history	history	NOUN
fbem-24796	11	6	of	of	ADP
fbem-24796	11	7	hundreds	hundred	NOUN
fbem-24796	11	8	of	of	ADP
fbem-24796	11	9	years	year	NOUN
fbem-24796	11	10	in	in	ADP
fbem-24796	11	11	the	the	DET
fbem-24796	11	12	west	west	NOUN
fbem-24796	11	13	.	.	PUNCT
fbem-24796	12	1	as	as	ADV
fbem-24796	12	2	early	early	ADV
fbem-24796	12	3	as	as	ADP
fbem-24796	12	4	the	the	DET
fbem-24796	12	5	17th	17th	ADJ
fbem-24796	12	6	century	century	NOUN
fbem-24796	12	7	,	,	PUNCT
fbem-24796	12	8	the	the	DET
fbem-24796	12	9	consumption	consumption	NOUN
fbem-24796	12	10	mode	mode	NOUN
fbem-24796	12	11	of	of	ADP
fbem-24796	12	12	installment	installment	NOUN
fbem-24796	12	13	payment	payment	NOUN
fbem-24796	12	14	existed	exist	VERB
fbem-24796	12	15	.	.	PUNCT
fbem-24796	13	1	after	after	ADP
fbem-24796	13	2	the	the	DET
fbem-24796	13	3	second	second	ADJ
fbem-24796	13	4	world	world	PROPN
fbem-24796	13	5	war	war	NOUN
fbem-24796	13	6	,	,	PUNCT
fbem-24796	13	7	consumer	consumer	NOUN
fbem-24796	13	8	credit	credit	NOUN
fbem-24796	13	9	developed	develop	VERB
fbem-24796	13	10	rapidly	rapidly	ADV
fbem-24796	13	11	in	in	ADP
fbem-24796	13	12	the	the	DET
fbem-24796	13	13	united	united	PROPN
fbem-24796	13	14	states	states	PROPN
fbem-24796	13	15	.	.	PUNCT
fbem-24796	14	1	as	as	ADP
fbem-24796	14	2	a	a	DET
fbem-24796	14	3	relatively	relatively	ADV
fbem-24796	14	4	mature	mature	ADJ
fbem-24796	14	5	consumer	consumer	NOUN
fbem-24796	14	6	economy	economy	NOUN
fbem-24796	14	7	in	in	ADP
fbem-24796	14	8	western	western	ADJ
fbem-24796	14	9	countries	country	NOUN
fbem-24796	14	10	,	,	PUNCT
fbem-24796	14	11	consumer	consumer	NOUN
fbem-24796	14	12	credit	credit	NOUN
fbem-24796	14	13	was	be	AUX
fbem-24796	14	14	introduced	introduce	VERB
fbem-24796	14	15	into	into	ADP
fbem-24796	14	16	china	china	PROPN
fbem-24796	14	17	in	in	ADP
fbem-24796	14	18	1985	1985	NUM
fbem-24796	14	19	.	.	PUNCT
fbem-24796	15	1	as	as	ADP
fbem-24796	15	2	an	an	DET
fbem-24796	15	3	innovative	innovative	ADJ
fbem-24796	15	4	commercial	commercial	ADJ
fbem-24796	15	5	bank	bank	NOUN
fbem-24796	15	6	in	in	ADP
fbem-24796	15	7	china	china	PROPN
fbem-24796	15	8	,	,	PUNCT
fbem-24796	15	9	china	china	PROPN
fbem-24796	15	10	merchants	merchants	PROPN
fbem-24796	15	11	bank	bank	PROPN
fbem-24796	15	12	broke	break	VERB
fbem-24796	15	13	the	the	DET
fbem-24796	15	14	market	market	NOUN
fbem-24796	15	15	rules	rule	NOUN
fbem-24796	15	16	in	in	ADP
fbem-24796	15	17	2017	2017	NUM
fbem-24796	15	18	and	and	CCONJ
fbem-24796	15	19	took	take	VERB
fbem-24796	15	20	the	the	DET
fbem-24796	15	21	lead	lead	NOUN
fbem-24796	15	22	in	in	ADP
fbem-24796	15	23	launching	launch	VERB
fbem-24796	15	24	a	a	DET
fbem-24796	15	25	college	college	NOUN
fbem-24796	15	26	student	student	NOUN
fbem-24796	15	27	credit	credit	NOUN
fbem-24796	15	28	card	card	NOUN
fbem-24796	15	29	.	.	PUNCT
fbem-24796	16	1	once	once	SCONJ
fbem-24796	16	2	the	the	DET
fbem-24796	16	3	card	card	NOUN
fbem-24796	16	4	was	be	AUX
fbem-24796	16	5	launched	launch	VERB
fbem-24796	16	6	,	,	PUNCT
fbem-24796	16	7	it	it	PRON
fbem-24796	16	8	received	receive	VERB
fbem-24796	16	9	a	a	DET
fbem-24796	16	10	great	great	ADJ
fbem-24796	16	11	market	market	NOUN
fbem-24796	16	12	response	response	NOUN
fbem-24796	16	13	,	,	PUNCT
fbem-24796	16	14	so	so	SCONJ
fbem-24796	16	15	it	it	PRON
fbem-24796	16	16	also	also	ADV
fbem-24796	16	17	attracted	attract	VERB
fbem-24796	16	18	the	the	DET
fbem-24796	16	19	competition	competition	NOUN
fbem-24796	16	20	of	of	ADP
fbem-24796	16	21	major	major	ADJ
fbem-24796	16	22	banks	bank	NOUN
fbem-24796	16	23	to	to	PART
fbem-24796	16	24	follow	follow	VERB
fbem-24796	16	25	suit	suit	NOUN
fbem-24796	16	26	,	,	PUNCT
fbem-24796	16	27	and	and	CCONJ
fbem-24796	16	28	major	major	ADJ
fbem-24796	16	29	commercial	commercial	ADJ
fbem-24796	16	30	banks	bank	NOUN
fbem-24796	16	31	have	have	AUX
fbem-24796	16	32	carried	carry	VERB
fbem-24796	16	33	out	out	ADP
fbem-24796	16	34	their	their	PRON
fbem-24796	16	35	business	business	NOUN
fbem-24796	16	36	to	to	ADP
fbem-24796	16	37	the	the	DET
fbem-24796	16	38	college	college	NOUN
fbem-24796	16	39	student	student	NOUN
fbem-24796	16	40	consumer	consumer	NOUN
fbem-24796	16	41	credit	credit	NOUN
fbem-24796	16	42	market	market	NOUN
fbem-24796	16	43	.	.	PUNCT
fbem-24796	17	1	however	however	ADV
fbem-24796	17	2	,	,	PUNCT
fbem-24796	17	3	due	due	ADP
fbem-24796	17	4	to	to	ADP
fbem-24796	17	5	the	the	DET
fbem-24796	17	6	low	low	ADJ
fbem-24796	17	7	repayment	repayment	NOUN
fbem-24796	17	8	ability	ability	NOUN
fbem-24796	17	9	of	of	ADP
fbem-24796	17	10	college	college	NOUN
fbem-24796	17	11	students	student	NOUN
fbem-24796	17	12	,	,	PUNCT
fbem-24796	17	13	it	it	PRON
fbem-24796	17	14	also	also	ADV
fbem-24796	17	15	leads	lead	VERB
fbem-24796	17	16	to	to	ADP
fbem-24796	17	17	a	a	DET
fbem-24796	17	18	large	large	ADJ
fbem-24796	17	19	number	number	NOUN
fbem-24796	17	20	of	of	ADP
fbem-24796	17	21	bad	bad	ADJ
fbem-24796	17	22	debts	debt	NOUN
fbem-24796	17	23	in	in	ADP
fbem-24796	17	24	the	the	DET
fbem-24796	17	25	bank	bank	NOUN
fbem-24796	17	26	,	,	PUNCT
fbem-24796	17	27	followed	follow	VERB
fbem-24796	17	28	by	by	ADP
fbem-24796	17	29	the	the	DET
fbem-24796	17	30	misleading	misleading	ADJ
fbem-24796	17	31	consumption	consumption	NOUN
fbem-24796	17	32	concept	concept	NOUN
fbem-24796	17	33	of	of	ADP
fbem-24796	17	34	many	many	ADJ
fbem-24796	17	35	college	college	NOUN
fbem-24796	17	36	students	student	NOUN
fbem-24796	17	37	,	,	PUNCT
fbem-24796	17	38	exposing	expose	VERB
fbem-24796	17	39	excessive	excessive	ADJ
fbem-24796	17	40	consumption	consumption	NOUN
fbem-24796	17	41	,	,	PUNCT
fbem-24796	17	42	blind	blind	ADJ
fbem-24796	17	43	comparison	comparison	NOUN
fbem-24796	17	44	,	,	PUNCT
fbem-24796	17	45	poor	poor	ADJ
fbem-24796	17	46	repayment	repayment	NOUN
fbem-24796	17	47	consciousness	consciousness	NOUN
fbem-24796	17	48	,	,	PUNCT
fbem-24796	17	49	fluke	fluke	ADJ
fbem-24796	17	50	mentality	mentality	NOUN
fbem-24796	17	51	and	and	CCONJ
fbem-24796	17	52	other	other	ADJ
fbem-24796	17	53	wrong	wrong	ADJ
fbem-24796	17	54	concepts	concept	NOUN
fbem-24796	17	55	.	.	PUNCT
fbem-24796	18	1	this	this	DET
fbem-24796	18	2	phenomenon	phenomenon	NOUN
fbem-24796	18	3	has	have	AUX
fbem-24796	18	4	attracted	attract	VERB
fbem-24796	18	5	the	the	DET
fbem-24796	18	6	attention	attention	NOUN
fbem-24796	18	7	of	of	ADP
fbem-24796	18	8	the	the	DET
fbem-24796	18	9	regulatory	regulatory	ADJ
fbem-24796	18	10	authorities	authority	NOUN
fbem-24796	18	11	,	,	PUNCT
fbem-24796	18	12	and	and	CCONJ
fbem-24796	18	13	in	in	ADP
fbem-24796	18	14	2019	2019	NUM
fbem-24796	18	15	,	,	PUNCT
fbem-24796	18	16	the	the	DET
fbem-24796	18	17	china	china	PROPN
fbem-24796	18	18	banking	banking	PROPN
fbem-24796	18	19	regulatory	regulatory	ADJ
fbem-24796	18	20	commission	commission	NOUN
fbem-24796	18	21	issued	issue	VERB
fbem-24796	18	22	a	a	DET
fbem-24796	18	23	notice	notice	NOUN
fbem-24796	18	24	on	on	ADP
fbem-24796	18	25	further	far	ADV
fbem-24796	18	26	regulating	regulate	VERB
fbem-24796	18	27	credit	credit	NOUN
fbem-24796	18	28	card	card	NOUN
fbem-24796	18	29	business	business	NOUN
fbem-24796	18	30	,	,	PUNCT
fbem-24796	18	31	which	which	PRON
fbem-24796	18	32	stipulates	stipulate	VERB
fbem-24796	18	33	that	that	SCONJ
fbem-24796	18	34	financial	financial	ADJ
fbem-24796	18	35	institutions	institution	NOUN
fbem-24796	18	36	must	must	AUX
fbem-24796	18	37	issue	issue	VERB
fbem-24796	18	38	credit	credit	NOUN
fbem-24796	18	39	card	card	NOUN
fbem-24796	18	40	users	user	NOUN
fbem-24796	18	41	at	at	ADP
fbem-24796	18	42	least	least	ADV
fbem-24796	18	43	18	18	NUM
fbem-24796	18	44	years	year	NOUN
fbem-24796	18	45	old	old	ADJ
fbem-24796	18	46	.	.	PUNCT
fbem-24796	19	1	this	this	DET
fbem-24796	19	2	regulation	regulation	NOUN
fbem-24796	19	3	has	have	AUX
fbem-24796	19	4	stalled	stall	VERB
fbem-24796	19	5	the	the	DET
fbem-24796	19	6	popular	popular	ADJ
fbem-24796	19	7	college	college	NOUN
fbem-24796	19	8	student	student	NOUN
fbem-24796	19	9	credit	credit	NOUN
fbem-24796	19	10	card	card	NOUN
fbem-24796	19	11	business	business	NOUN
fbem-24796	19	12	,	,	PUNCT
fbem-24796	19	13	and	and	CCONJ
fbem-24796	19	14	after	after	ADP
fbem-24796	19	15	2019	2019	NUM
fbem-24796	19	16	,	,	PUNCT
fbem-24796	19	17	the	the	DET
fbem-24796	19	18	business	business	NOUN
fbem-24796	19	19	of	of	ADP
fbem-24796	19	20	major	major	ADJ
fbem-24796	19	21	commercial	commercial	ADJ
fbem-24796	19	22	banks	bank	NOUN
fbem-24796	19	23	has	have	AUX
fbem-24796	19	24	gradually	gradually	ADV
fbem-24796	19	25	stopped	stop	VERB
fbem-24796	19	26	,	,	PUNCT
fbem-24796	19	27	and	and	CCONJ
fbem-24796	19	28	it	it	PRON
fbem-24796	19	29	is	be	AUX
fbem-24796	19	30	difficult	difficult	ADJ
fbem-24796	19	31	for	for	SCONJ
fbem-24796	19	32	college	college	NOUN
fbem-24796	19	33	students	student	NOUN
fbem-24796	19	34	to	to	PART
fbem-24796	19	35	obtain	obtain	VERB
fbem-24796	19	36	advance	advance	ADJ
fbem-24796	19	37	consumption	consumption	NOUN
fbem-24796	19	38	through	through	ADP
fbem-24796	19	39	credit	credit	NOUN
fbem-24796	19	40	card	card	NOUN
fbem-24796	19	41	business	business	NOUN
fbem-24796	19	42	.	.	PUNCT
fbem-24796	20	1	however	however	ADV
fbem-24796	20	2	,	,	PUNCT
fbem-24796	20	3	the	the	DET
fbem-24796	20	4	development	development	NOUN
fbem-24796	20	5	of	of	ADP
fbem-24796	20	6	internet	internet	NOUN
fbem-24796	20	7	technology	technology	NOUN
fbem-24796	20	8	in	in	ADP
fbem-24796	20	9	china	china	PROPN
fbem-24796	20	10	has	have	AUX
fbem-24796	20	11	made	make	VERB
fbem-24796	20	12	this	this	DET
fbem-24796	20	13	desire	desire	NOUN
fbem-24796	20	14	of	of	ADP
fbem-24796	20	15	college	college	NOUN
fbem-24796	20	16	students	student	NOUN
fbem-24796	20	17	come	come	VERB
fbem-24796	20	18	true	true	ADJ
fbem-24796	20	19	again	again	ADV
fbem-24796	20	20	.	.	PUNCT
fbem-24796	21	1	the	the	DET
fbem-24796	21	2	concept	concept	NOUN
fbem-24796	21	3	of	of	ADP
fbem-24796	21	4	"	"	PUNCT
fbem-24796	21	5	internet	internet	NOUN
fbem-24796	21	6	+	+	NOUN
fbem-24796	21	7	"	"	PUNCT
fbem-24796	21	8	is	be	AUX
fbem-24796	21	9	constantly	constantly	ADV
fbem-24796	21	10	subverting	subvert	VERB
fbem-24796	21	11	traditional	traditional	ADJ
fbem-24796	21	12	industries	industry	NOUN
fbem-24796	21	13	,	,	PUNCT
fbem-24796	21	14	and	and	CCONJ
fbem-24796	21	15	college	college	NOUN
fbem-24796	21	16	students	student	NOUN
fbem-24796	21	17	will	will	AUX
fbem-24796	21	18	also	also	ADV
fbem-24796	21	19	benefit	benefit	VERB
fbem-24796	21	20	from	from	ADP
fbem-24796	21	21	innovative	innovative	ADJ
fbem-24796	21	22	internet	internet	NOUN
fbem-24796	21	23	thinking	thinking	NOUN
fbem-24796	21	24	.	.	PUNCT
fbem-24796	22	1	however	however	ADV
fbem-24796	22	2	,	,	PUNCT
fbem-24796	22	3	the	the	DET
fbem-24796	22	4	degree	degree	NOUN
fbem-24796	22	5	of	of	ADP
fbem-24796	22	6	acceptance	acceptance	NOUN
fbem-24796	22	7	of	of	ADP
fbem-24796	22	8	internet	internet	NOUN
fbem-24796	22	9	consumer	consumer	NOUN
fbem-24796	22	10	credit	credit	NOUN
fbem-24796	22	11	among	among	ADP
fbem-24796	22	12	college	college	NOUN
fbem-24796	22	13	students	student	NOUN
fbem-24796	22	14	,	,	PUNCT
fbem-24796	22	15	whether	whether	SCONJ
fbem-24796	22	16	there	there	PRON
fbem-24796	22	17	will	will	AUX
fbem-24796	22	18	be	be	AUX
fbem-24796	22	19	differences	difference	NOUN
fbem-24796	22	20	in	in	ADP
fbem-24796	22	21	the	the	DET
fbem-24796	22	22	degree	degree	NOUN
fbem-24796	22	23	of	of	ADP
fbem-24796	22	24	acceptance	acceptance	NOUN
fbem-24796	22	25	,	,	PUNCT
fbem-24796	22	26	and	and	CCONJ
fbem-24796	22	27	the	the	DET
fbem-24796	22	28	main	main	ADJ
fbem-24796	22	29	factors	factor	NOUN
fbem-24796	22	30	affecting	affect	VERB
fbem-24796	22	31	college	college	NOUN
fbem-24796	22	32	students	student	NOUN
fbem-24796	22	33	'	'	PART
fbem-24796	22	34	choice	choice	NOUN
fbem-24796	22	35	of	of	ADP
fbem-24796	22	36	internet	internet	NOUN
fbem-24796	22	37	consumer	consumer	NOUN
fbem-24796	22	38	credit	credit	NOUN
fbem-24796	22	39	business	business	NOUN
fbem-24796	22	40	are	be	AUX
fbem-24796	22	41	still	still	ADV
fbem-24796	22	42	to	to	PART
fbem-24796	22	43	be	be	AUX
fbem-24796	22	44	studied	study	VERB
fbem-24796	22	45	.	.	PUNCT
fbem-24796	23	1	through	through	ADP
fbem-24796	23	2	questionnaires	questionnaire	NOUN
fbem-24796	23	3	and	and	CCONJ
fbem-24796	23	4	on	on	ADP
fbem-24796	23	5	-	-	PUNCT
fbem-24796	23	6	the	the	DET
fbem-24796	23	7	-	-	PUNCT
fbem-24796	23	8	spot	spot	NOUN
fbem-24796	23	9	interviews	interview	NOUN
fbem-24796	23	10	,	,	PUNCT
fbem-24796	23	11	the	the	DET
fbem-24796	23	12	paper	paper	NOUN
fbem-24796	23	13	explores	explore	VERB
fbem-24796	23	14	the	the	DET
fbem-24796	23	15	specific	specific	ADJ
fbem-24796	23	16	factors	factor	NOUN
fbem-24796	23	17	that	that	PRON
fbem-24796	23	18	affect	affect	VERB
fbem-24796	23	19	college	college	NOUN
fbem-24796	23	20	students	student	NOUN
fbem-24796	23	21	'	'	PART
fbem-24796	23	22	consumption	consumption	NOUN
fbem-24796	23	23	behavior	behavior	NOUN
fbem-24796	23	24	and	and	CCONJ
fbem-24796	23	25	the	the	DET
fbem-24796	23	26	impact	impact	NOUN
fbem-24796	23	27	these	these	DET
fbem-24796	23	28	factors	factor	NOUN
fbem-24796	23	29	will	will	AUX
fbem-24796	23	30	have	have	VERB
fbem-24796	23	31	on	on	ADP
fbem-24796	23	32	college	college	NOUN
fbem-24796	23	33	students	student	NOUN
fbem-24796	23	34	'	'	PART
fbem-24796	23	35	consumption	consumption	NOUN
fbem-24796	23	36	behavior	behavior	NOUN
fbem-24796	23	37	.	.	PUNCT
fbem-24796	24	1	at	at	ADP
fbem-24796	24	2	the	the	DET
fbem-24796	24	3	same	same	ADJ
fbem-24796	24	4	time	time	NOUN
fbem-24796	24	5	,	,	PUNCT
fbem-24796	24	6	relevant	relevant	ADJ
fbem-24796	24	7	suggestions	suggestion	NOUN
fbem-24796	24	8	are	be	AUX
fbem-24796	24	9	put	put	VERB
fbem-24796	24	10	forward	forward	ADV
fbem-24796	24	11	from	from	ADP
fbem-24796	24	12	three	three	NUM
fbem-24796	24	13	aspects	aspect	NOUN
fbem-24796	24	14	:	:	PUNCT
fbem-24796	24	15	the	the	DET
fbem-24796	24	16	country	country	NOUN
fbem-24796	24	17	,	,	PUNCT
fbem-24796	24	18	the	the	DET
fbem-24796	24	19	internet	internet	NOUN
fbem-24796	24	20	consumer	consumer	NOUN
fbem-24796	24	21	credit	credit	NOUN
fbem-24796	24	22	platform	platform	NOUN
fbem-24796	24	23	and	and	CCONJ
fbem-24796	24	24	college	college	NOUN
fbem-24796	24	25	students	student	NOUN
fbem-24796	24	26	themselves	themselves	PRON
fbem-24796	24	27	.	.	PUNCT
fbem-24796	25	1	objective	objective	ADJ
fbem-24796	25	2	to	to	PART
fbem-24796	25	3	make	make	VERB
fbem-24796	25	4	internet	internet	NOUN
fbem-24796	25	5	consumer	consumer	NOUN
fbem-24796	25	6	credit	credit	NOUN
fbem-24796	25	7	more	more	ADV
fbem-24796	25	8	suitable	suitable	ADJ
fbem-24796	25	9	for	for	ADP
fbem-24796	25	10	the	the	DET
fbem-24796	25	11	emerging	emerge	VERB
fbem-24796	25	12	market	market	NOUN
fbem-24796	25	13	of	of	ADP
fbem-24796	25	14	college	college	NOUN
fbem-24796	25	15	students	student	NOUN
fbem-24796	25	16	and	and	CCONJ
fbem-24796	25	17	to	to	PART
fbem-24796	25	18	help	help	VERB
fbem-24796	25	19	college	college	NOUN
fbem-24796	25	20	students	student	NOUN
fbem-24796	25	21	consume	consume	VERB
fbem-24796	25	22	rationally	rationally	ADV
fbem-24796	25	23	and	and	CCONJ
fbem-24796	25	24	establish	establish	VERB
fbem-24796	25	25	correct	correct	ADJ
fbem-24796	25	26	consumption	consumption	NOUN
fbem-24796	25	27	concept	concept	NOUN
fbem-24796	25	28	.	.	PUNCT
fbem-24796	26	1	with	with	ADP
fbem-24796	26	2	the	the	DET
fbem-24796	26	3	development	development	NOUN
fbem-24796	26	4	of	of	ADP
fbem-24796	26	5	market	market	NOUN
fbem-24796	26	6	economy	economy	NOUN
fbem-24796	26	7	,	,	PUNCT
fbem-24796	26	8	consumers	consumer	NOUN
fbem-24796	26	9	'	'	PART
fbem-24796	26	10	demand	demand	NOUN
fbem-24796	26	11	for	for	ADP
fbem-24796	26	12	goods	good	NOUN
fbem-24796	26	13	and	and	CCONJ
fbem-24796	26	14	services	service	NOUN
fbem-24796	26	15	has	have	AUX
fbem-24796	26	16	expanded	expand	VERB
fbem-24796	26	17	greatly	greatly	ADV
fbem-24796	26	18	,	,	PUNCT
fbem-24796	26	19	and	and	CCONJ
fbem-24796	26	20	correspondingly	correspondingly	ADV
fbem-24796	26	21	,	,	PUNCT
fbem-24796	26	22	people	people	NOUN
fbem-24796	26	23	's	's	PART
fbem-24796	26	24	demand	demand	NOUN
fbem-24796	26	25	for	for	ADP
fbem-24796	26	26	payment	payment	NOUN
fbem-24796	26	27	methods	method	NOUN
fbem-24796	26	28	has	have	AUX
fbem-24796	26	29	also	also	ADV
fbem-24796	26	30	shown	show	VERB
fbem-24796	26	31	diversity	diversity	NOUN
fbem-24796	26	32	.	.	PUNCT
fbem-24796	27	1	from	from	ADP
fbem-24796	27	2	the	the	DET
fbem-24796	27	3	most	most	ADV
fbem-24796	27	4	traditional	traditional	ADJ
fbem-24796	27	5	one	one	NUM
fbem-24796	27	6	hand	hand	NOUN
fbem-24796	27	7	cash	cash	NOUN
fbem-24796	27	8	,	,	PUNCT
fbem-24796	27	9	one	one	NUM
fbem-24796	27	10	hand	hand	NOUN
fbem-24796	27	11	delivery	delivery	NOUN
fbem-24796	27	12	cash	cash	NOUN
fbem-24796	27	13	payment	payment	NOUN
fbem-24796	27	14	,	,	PUNCT
fbem-24796	27	15	to	to	ADP
fbem-24796	27	16	lianhua	lianhua	PROPN
fbem-24796	27	17	0k	0k	NOUN
fbem-24796	27	18	card	card	NOUN
fbem-24796	27	19	and	and	CCONJ
fbem-24796	27	20	other	other	ADJ
fbem-24796	27	21	payment	payment	NOUN
fbem-24796	27	22	cards	card	NOUN
fbem-24796	27	23	;	;	PUNCT
fbem-24796	27	24	from	from	ADP
fbem-24796	27	25	debit	debit	NOUN
fbem-24796	27	26	to	to	ADP
fbem-24796	27	27	credit	credit	NOUN
fbem-24796	27	28	card	card	NOUN
fbem-24796	27	29	payments	payment	NOUN
fbem-24796	27	30	;	;	PUNCT
fbem-24796	27	31	from	from	ADP
fbem-24796	27	32	postal	postal	ADJ
fbem-24796	27	33	remittance	remittance	NOUN
fbem-24796	27	34	to	to	ADP
fbem-24796	27	35	bank	bank	NOUN
fbem-24796	27	36	wire	wire	NOUN
fbem-24796	27	37	transfer	transfer	NOUN
fbem-24796	27	38	......	......	PUNCT
fbem-24796	28	1	in	in	ADP
fbem-24796	28	2	addition	addition	NOUN
fbem-24796	28	3	,	,	PUNCT
fbem-24796	28	4	with	with	ADP
fbem-24796	28	5	the	the	DET
fbem-24796	28	6	vigorous	vigorous	ADJ
fbem-24796	28	7	development	development	NOUN
fbem-24796	28	8	and	and	CCONJ
fbem-24796	28	9	penetration	penetration	NOUN
fbem-24796	28	10	of	of	ADP
fbem-24796	28	11	internet	internet	NOUN
fbem-24796	28	12	technology	technology	NOUN
fbem-24796	28	13	,	,	PUNCT
fbem-24796	28	14	virtual	virtual	ADJ
fbem-24796	28	15	payment	payment	NOUN
fbem-24796	28	16	,	,	PUNCT
fbem-24796	28	17	as	as	ADP
fbem-24796	28	18	an	an	DET
fbem-24796	28	19	emerging	emerge	VERB
fbem-24796	28	20	payment	payment	NOUN
fbem-24796	28	21	method	method	NOUN
fbem-24796	28	22	,	,	PUNCT
fbem-24796	28	23	has	have	AUX
fbem-24796	28	24	developed	develop	VERB
fbem-24796	28	25	rapidly	rapidly	ADV
fbem-24796	28	26	:	:	PUNCT
fbem-24796	28	27	online	online	ADJ
fbem-24796	28	28	banking	banking	NOUN
fbem-24796	28	29	payment	payment	NOUN
fbem-24796	28	30	,	,	PUNCT
fbem-24796	28	31	payment	payment	NOUN
fbem-24796	28	32	by	by	ADP
fbem-24796	28	33	third	third	ADJ
fbem-24796	28	34	-	-	PUNCT
fbem-24796	28	35	party	party	NOUN
fbem-24796	28	36	platforms	platform	NOUN
fbem-24796	28	37	such	such	ADJ
fbem-24796	28	38	as	as	ADP
fbem-24796	28	39	alipay	alipay	PROPN
fbem-24796	28	40	and	and	CCONJ
fbem-24796	28	41	tenpay	tenpay	PROPN
fbem-24796	28	42	,	,	PUNCT
fbem-24796	28	43	virtual	virtual	ADJ
fbem-24796	28	44	payment	payment	NOUN
fbem-24796	28	45	,	,	PUNCT
fbem-24796	28	46	virtual	virtual	ADJ
fbem-24796	28	47	currency	currency	NOUN
fbem-24796	28	48	payment	payment	NOUN
fbem-24796	28	49	and	and	CCONJ
fbem-24796	28	50	other	other	ADJ
fbem-24796	28	51	virtual	virtual	ADJ
fbem-24796	28	52	payment	payment	NOUN
fbem-24796	28	53	methods	method	NOUN
fbem-24796	28	54	have	have	AUX
fbem-24796	28	55	emerged	emerge	VERB
fbem-24796	28	56	.	.	PUNCT
fbem-24796	29	1	the	the	DET
fbem-24796	29	2	growth	growth	NOUN
fbem-24796	29	3	rate	rate	NOUN
fbem-24796	29	4	far	far	ADV
fbem-24796	29	5	exceeds	exceed	VERB
fbem-24796	29	6	the	the	DET
fbem-24796	29	7	traditional	traditional	ADJ
fbem-24796	29	8	payment	payment	NOUN
fbem-24796	29	9	methods	method	NOUN
fbem-24796	29	10	,	,	PUNCT
fbem-24796	29	11	and	and	CCONJ
fbem-24796	29	12	it	it	PRON
fbem-24796	29	13	has	have	AUX
fbem-24796	29	14	become	become	VERB
fbem-24796	29	15	an	an	DET
fbem-24796	29	16	integral	integral	ADJ
fbem-24796	29	17	part	part	NOUN
fbem-24796	29	18	of	of	ADP
fbem-24796	29	19	the	the	DET
fbem-24796	29	20	payment	payment	NOUN
fbem-24796	29	21	system	system	NOUN
fbem-24796	29	22	that	that	PRON
fbem-24796	29	23	can	can	AUX
fbem-24796	29	24	not	not	PART
fbem-24796	29	25	be	be	AUX
fbem-24796	29	26	ignored	ignore	VERB
fbem-24796	29	27	.	.	PUNCT
fbem-24796	30	1	through	through	ADP
fbem-24796	30	2	empirical	empirical	ADJ
fbem-24796	30	3	research	research	NOUN
fbem-24796	30	4	,	,	PUNCT
fbem-24796	30	5	this	this	DET
fbem-24796	30	6	paper	paper	NOUN
fbem-24796	30	7	explores	explore	VERB
fbem-24796	30	8	the	the	DET
fbem-24796	30	9	consumption	consumption	NOUN
fbem-24796	30	10	behavior	behavior	NOUN
fbem-24796	30	11	of	of	ADP
fbem-24796	30	12	college	college	NOUN
fbem-24796	30	13	students	student	NOUN
fbem-24796	30	14	under	under	ADP
fbem-24796	30	15	the	the	DET
fbem-24796	30	16	condition	condition	NOUN
fbem-24796	30	17	of	of	ADP
fbem-24796	30	18	virtual	virtual	ADJ
fbem-24796	30	19	payment	payment	NOUN
fbem-24796	30	20	.	.	PUNCT
fbem-24796	31	1	2	2	X
fbem-24796	31	2	.	.	X
fbem-24796	31	3	design	design	NOUN
fbem-24796	31	4	and	and	CCONJ
fbem-24796	31	5	methodology	methodology	NOUN
fbem-24796	31	6	this	this	DET
fbem-24796	31	7	chapter	chapter	NOUN
fbem-24796	31	8	presents	present	VERB
fbem-24796	31	9	the	the	DET
fbem-24796	31	10	research	research	NOUN
fbem-24796	31	11	design	design	NOUN
fbem-24796	31	12	and	and	CCONJ
fbem-24796	31	13	methodology	methodology	NOUN
fbem-24796	31	14	,	,	PUNCT
fbem-24796	31	15	population	population	NOUN
fbem-24796	31	16	of	of	ADP
fbem-24796	31	17	the	the	DET
fbem-24796	31	18	study	study	NOUN
fbem-24796	31	19	,	,	PUNCT
fbem-24796	31	20	data	datum	NOUN
fbem-24796	31	21	gathering	gather	VERB
fbem-24796	31	22	tool	tool	NOUN
fbem-24796	31	23	,	,	PUNCT
fbem-24796	31	24	data	datum	NOUN
fbem-24796	31	25	gathering	gathering	NOUN
fbem-24796	31	26	procedure	procedure	NOUN
fbem-24796	31	27	,	,	PUNCT
fbem-24796	31	28	and	and	CCONJ
fbem-24796	31	29	treatment	treatment	NOUN
fbem-24796	31	30	of	of	ADP
fbem-24796	31	31	data	datum	NOUN
fbem-24796	31	32	.	.	PUNCT
fbem-24796	32	1	451	451	NUM
fbem-24796	32	2	2.1	2.1	NUM
fbem-24796	32	3	.	.	PUNCT
fbem-24796	33	1	research	research	NOUN
fbem-24796	33	2	design	design	NOUN
fbem-24796	33	3	and	and	CCONJ
fbem-24796	33	4	methodology	methodology	NOUN
fbem-24796	33	5	this	this	DET
fbem-24796	33	6	study	study	NOUN
fbem-24796	33	7	adopts	adopt	VERB
fbem-24796	33	8	a	a	DET
fbem-24796	33	9	descriptive	descriptive	ADJ
fbem-24796	33	10	related	relate	VERB
fbem-24796	33	11	research	research	NOUN
fbem-24796	33	12	design	design	NOUN
fbem-24796	33	13	.	.	PUNCT
fbem-24796	34	1	the	the	DET
fbem-24796	34	2	main	main	ADJ
fbem-24796	34	3	data	datum	NOUN
fbem-24796	34	4	comes	come	VERB
fbem-24796	34	5	from	from	ADP
fbem-24796	34	6	face	face	NOUN
fbem-24796	34	7	-	-	PUNCT
fbem-24796	34	8	to	to	ADP
fbem-24796	34	9	-	-	PUNCT
fbem-24796	34	10	face	face	NOUN
fbem-24796	34	11	or	or	CCONJ
fbem-24796	34	12	online	online	ADJ
fbem-24796	34	13	questionnaire	questionnaire	NOUN
fbem-24796	34	14	surveys	survey	NOUN
fbem-24796	34	15	that	that	PRON
fbem-24796	34	16	guangzhou	guangzhou	PROPN
fbem-24796	34	17	college	college	PROPN
fbem-24796	34	18	of	of	ADP
fbem-24796	34	19	commerce	commerce	PROPN
fbem-24796	34	20	respondents	respondent	NOUN
fbem-24796	34	21	must	must	AUX
fbem-24796	34	22	complete	complete	VERB
fbem-24796	34	23	.	.	PUNCT
fbem-24796	35	1	due	due	ADP
fbem-24796	35	2	to	to	ADP
fbem-24796	35	3	the	the	DET
fbem-24796	35	4	high	high	ADJ
fbem-24796	35	5	level	level	NOUN
fbem-24796	35	6	of	of	ADP
fbem-24796	35	7	knowledge	knowledge	NOUN
fbem-24796	35	8	among	among	ADP
fbem-24796	35	9	students	student	NOUN
fbem-24796	35	10	at	at	ADP
fbem-24796	35	11	guangzhou	guangzhou	PROPN
fbem-24796	35	12	college	college	PROPN
fbem-24796	35	13	of	of	ADP
fbem-24796	35	14	commerce	commerce	PROPN
fbem-24796	35	15	,	,	PUNCT
fbem-24796	35	16	this	this	DET
fbem-24796	35	17	study	study	NOUN
fbem-24796	35	18	also	also	ADV
fbem-24796	35	19	adopted	adopt	VERB
fbem-24796	35	20	a	a	DET
fbem-24796	35	21	stratified	stratified	ADJ
fbem-24796	35	22	sampling	sampling	NOUN
fbem-24796	35	23	method	method	NOUN
fbem-24796	35	24	.	.	PUNCT
fbem-24796	36	1	2.2	2.2	NUM
fbem-24796	36	2	.	.	PUNCT
fbem-24796	36	3	population	population	NOUN
fbem-24796	36	4	and	and	CCONJ
fbem-24796	36	5	locale	locale	PROPN
fbem-24796	36	6	of	of	ADP
fbem-24796	36	7	the	the	DET
fbem-24796	36	8	study	study	NOUN
fbem-24796	36	9	the	the	DET
fbem-24796	36	10	respondents	respondent	NOUN
fbem-24796	36	11	in	in	ADP
fbem-24796	36	12	this	this	DET
fbem-24796	36	13	study	study	NOUN
fbem-24796	36	14	were	be	AUX
fbem-24796	36	15	college	college	NOUN
fbem-24796	36	16	students	student	NOUN
fbem-24796	36	17	with	with	ADP
fbem-24796	36	18	at	at	ADV
fbem-24796	36	19	least	least	ADV
fbem-24796	36	20	one	one	NUM
fbem-24796	36	21	to	to	ADP
fbem-24796	36	22	three	three	NUM
fbem-24796	36	23	(	(	PUNCT
fbem-24796	36	24	1	1	NUM
fbem-24796	36	25	-	-	SYM
fbem-24796	36	26	3	3	NUM
fbem-24796	36	27	)	)	PUNCT
fbem-24796	36	28	years	year	NOUN
fbem-24796	36	29	in	in	ADP
fbem-24796	36	30	school	school	NOUN
fbem-24796	36	31	.	.	PUNCT
fbem-24796	37	1	before	before	ADP
fbem-24796	37	2	answering	answer	VERB
fbem-24796	37	3	the	the	DET
fbem-24796	37	4	questionnaire	questionnaire	NOUN
fbem-24796	37	5	,	,	PUNCT
fbem-24796	37	6	they	they	PRON
fbem-24796	37	7	were	be	AUX
fbem-24796	37	8	first	first	ADV
fbem-24796	37	9	asked	ask	VERB
fbem-24796	37	10	if	if	SCONJ
fbem-24796	37	11	they	they	PRON
fbem-24796	37	12	were	be	AUX
fbem-24796	37	13	current	current	ADJ
fbem-24796	37	14	students	student	NOUN
fbem-24796	37	15	,	,	PUNCT
fbem-24796	37	16	so	so	SCONJ
fbem-24796	37	17	they	they	PRON
fbem-24796	37	18	could	could	AUX
fbem-24796	37	19	answer	answer	VERB
fbem-24796	37	20	all	all	DET
fbem-24796	37	21	the	the	DET
fbem-24796	37	22	questionnaires	questionnaire	NOUN
fbem-24796	37	23	at	at	ADP
fbem-24796	37	24	once	once	ADV
fbem-24796	37	25	.	.	PUNCT
fbem-24796	38	1	the	the	DET
fbem-24796	38	2	researchers	researcher	NOUN
fbem-24796	38	3	also	also	ADV
fbem-24796	38	4	considered	consider	VERB
fbem-24796	38	5	possible	possible	ADJ
fbem-24796	38	6	influencing	influence	VERB
fbem-24796	38	7	factors	factor	NOUN
fbem-24796	38	8	,	,	PUNCT
fbem-24796	38	9	so	so	PROPN
fbem-24796	38	10	guangzhou	guangzhou	PROPN
fbem-24796	38	11	college	college	PROPN
fbem-24796	38	12	of	of	ADP
fbem-24796	38	13	commerce	commerce	PROPN
fbem-24796	38	14	is	be	AUX
fbem-24796	38	15	the	the	DET
fbem-24796	38	16	focus	focus	NOUN
fbem-24796	38	17	of	of	ADP
fbem-24796	38	18	this	this	DET
fbem-24796	38	19	study	study	NOUN
fbem-24796	38	20	.	.	PUNCT
fbem-24796	39	1	the	the	DET
fbem-24796	39	2	research	research	NOUN
fbem-24796	39	3	of	of	ADP
fbem-24796	39	4	this	this	DET
fbem-24796	39	5	design	design	NOUN
fbem-24796	39	6	and	and	CCONJ
fbem-24796	39	7	method	method	NOUN
fbem-24796	39	8	is	be	AUX
fbem-24796	39	9	limited	limit	VERB
fbem-24796	39	10	to	to	ADP
fbem-24796	39	11	guangdong	guangdong	PROPN
fbem-24796	39	12	province	province	PROPN
fbem-24796	39	13	.	.	PUNCT
fbem-24796	40	1	research	research	NOUN
fbem-24796	40	2	is	be	AUX
fbem-24796	40	3	conducted	conduct	VERB
fbem-24796	40	4	within	within	ADP
fbem-24796	40	5	a	a	DET
fbem-24796	40	6	limited	limited	ADJ
fbem-24796	40	7	time	time	NOUN
fbem-24796	40	8	frame	frame	NOUN
fbem-24796	40	9	provided	provide	VERB
fbem-24796	40	10	.	.	PUNCT
fbem-24796	41	1	sample	sample	NOUN
fbem-24796	41	2	size	size	NOUN
fbem-24796	41	3	is	be	AUX
fbem-24796	41	4	also	also	ADV
fbem-24796	41	5	limited	limit	VERB
fbem-24796	41	6	due	due	ADP
fbem-24796	41	7	to	to	ADP
fbem-24796	41	8	time	time	NOUN
fbem-24796	41	9	and	and	CCONJ
fbem-24796	41	10	resource	resource	NOUN
fbem-24796	41	11	constraints	constraint	NOUN
fbem-24796	41	12	.	.	PUNCT
fbem-24796	42	1	the	the	DET
fbem-24796	42	2	questionnaire	questionnaire	NOUN
fbem-24796	42	3	survey	survey	NOUN
fbem-24796	42	4	in	in	ADP
fbem-24796	42	5	this	this	DET
fbem-24796	42	6	paper	paper	NOUN
fbem-24796	42	7	is	be	AUX
fbem-24796	42	8	mainly	mainly	ADV
fbem-24796	42	9	focused	focus	VERB
fbem-24796	42	10	on	on	ADP
fbem-24796	42	11	guangzhou	guangzhou	PROPN
fbem-24796	42	12	college	college	PROPN
fbem-24796	42	13	of	of	ADP
fbem-24796	42	14	commerce	commerce	PROPN
fbem-24796	42	15	,	,	PUNCT
fbem-24796	42	16	so	so	SCONJ
fbem-24796	42	17	as	as	SCONJ
fbem-24796	42	18	to	to	PART
fbem-24796	42	19	reflect	reflect	VERB
fbem-24796	42	20	the	the	DET
fbem-24796	42	21	college	college	NOUN
fbem-24796	42	22	students	student	NOUN
fbem-24796	42	23	in	in	ADP
fbem-24796	42	24	guangdong	guangdong	PROPN
fbem-24796	42	25	province	province	PROPN
fbem-24796	42	26	.	.	PUNCT
fbem-24796	43	1	2.3	2.3	NUM
fbem-24796	43	2	.	.	PUNCT
fbem-24796	43	3	treatment	treatment	NOUN
fbem-24796	43	4	of	of	ADP
fbem-24796	43	5	data	datum	NOUN
fbem-24796	43	6	a	a	DET
fbem-24796	43	7	total	total	NOUN
fbem-24796	43	8	of	of	ADP
fbem-24796	43	9	319	319	NUM
fbem-24796	43	10	questionnaires	questionnaire	NOUN
fbem-24796	43	11	were	be	AUX
fbem-24796	43	12	distributed	distribute	VERB
fbem-24796	43	13	,	,	PUNCT
fbem-24796	43	14	and	and	CCONJ
fbem-24796	43	15	the	the	DET
fbem-24796	43	16	collected	collect	VERB
fbem-24796	43	17	data	datum	NOUN
fbem-24796	43	18	were	be	AUX
fbem-24796	43	19	analyzed	analyze	VERB
fbem-24796	43	20	using	use	VERB
fbem-24796	43	21	spss	spss	PROPN
fbem-24796	43	22	and	and	CCONJ
fbem-24796	43	23	microsoft	microsoft	PROPN
fbem-24796	43	24	excel	excel	PROPN
fbem-24796	43	25	.	.	PUNCT
fbem-24796	44	1	descriptive	descriptive	ADJ
fbem-24796	44	2	and	and	CCONJ
fbem-24796	44	3	pearson	pearson	PROPN
fbem-24796	44	4	correlation	correlation	NOUN
fbem-24796	44	5	coefficient	coefficient	NOUN
fbem-24796	44	6	statistical	statistical	ADJ
fbem-24796	44	7	tools	tool	NOUN
fbem-24796	44	8	were	be	AUX
fbem-24796	44	9	then	then	ADV
fbem-24796	44	10	used	use	VERB
fbem-24796	44	11	to	to	PART
fbem-24796	44	12	interpret	interpret	VERB
fbem-24796	44	13	respondents	respondent	NOUN
fbem-24796	44	14	'	'	PART
fbem-24796	44	15	summary	summary	NOUN
fbem-24796	44	16	answers	answer	NOUN
fbem-24796	44	17	.	.	PUNCT
fbem-24796	45	1	spss	spss	PROPN
fbem-24796	45	2	and	and	CCONJ
fbem-24796	45	3	microsoft	microsoft	PROPN
fbem-24796	45	4	excel	excel	PROPN
fbem-24796	45	5	were	be	AUX
fbem-24796	45	6	used	use	VERB
fbem-24796	45	7	for	for	ADP
fbem-24796	45	8	each	each	DET
fbem-24796	45	9	problem	problem	NOUN
fbem-24796	45	10	statement	statement	NOUN
fbem-24796	45	11	.	.	PUNCT
fbem-24796	46	1	statistical	statistical	ADJ
fbem-24796	46	2	tools	tool	NOUN
fbem-24796	46	3	were	be	AUX
fbem-24796	46	4	used	use	VERB
fbem-24796	46	5	to	to	PART
fbem-24796	46	6	analyze	analyze	VERB
fbem-24796	46	7	and	and	CCONJ
fbem-24796	46	8	process	process	VERB
fbem-24796	46	9	the	the	DET
fbem-24796	46	10	data	datum	NOUN
fbem-24796	46	11	collected	collect	VERB
fbem-24796	46	12	by	by	ADP
fbem-24796	46	13	respondents	respondent	NOUN
fbem-24796	46	14	.	.	PUNCT
fbem-24796	47	1	3	3	X
fbem-24796	47	2	.	.	X
fbem-24796	47	3	presentation	presentation	NOUN
fbem-24796	47	4	,	,	PUNCT
fbem-24796	47	5	analysis	analysis	NOUN
fbem-24796	47	6	and	and	CCONJ
fbem-24796	47	7	interpretation	interpretation	NOUN
fbem-24796	47	8	of	of	ADP
fbem-24796	47	9	data	datum	NOUN
fbem-24796	47	10	3.1	3.1	NUM
fbem-24796	47	11	.	.	PUNCT
fbem-24796	48	1	analysis	analysis	NOUN
fbem-24796	48	2	of	of	ADP
fbem-24796	48	3	the	the	DET
fbem-24796	48	4	basic	basic	ADJ
fbem-24796	48	5	situation	situation	NOUN
fbem-24796	48	6	of	of	ADP
fbem-24796	48	7	the	the	DET
fbem-24796	48	8	respondents	respondent	NOUN
fbem-24796	48	9	this	this	DET
fbem-24796	48	10	study	study	NOUN
fbem-24796	48	11	analyzes	analyze	VERB
fbem-24796	48	12	the	the	DET
fbem-24796	48	13	basic	basic	ADJ
fbem-24796	48	14	situation	situation	NOUN
fbem-24796	48	15	of	of	ADP
fbem-24796	48	16	the	the	DET
fbem-24796	48	17	respondents	respondent	NOUN
fbem-24796	48	18	from	from	ADP
fbem-24796	48	19	four	four	NUM
fbem-24796	48	20	aspects	aspect	NOUN
fbem-24796	48	21	:	:	PUNCT
fbem-24796	48	22	gender	gender	NOUN
fbem-24796	48	23	,	,	PUNCT
fbem-24796	48	24	grade	grade	NOUN
fbem-24796	48	25	,	,	PUNCT
fbem-24796	48	26	household	household	NOUN
fbem-24796	48	27	registration	registration	NOUN
fbem-24796	48	28	type	type	NOUN
fbem-24796	48	29	,	,	PUNCT
fbem-24796	48	30	and	and	CCONJ
fbem-24796	48	31	monthly	monthly	ADJ
fbem-24796	48	32	average	average	ADJ
fbem-24796	48	33	consumption	consumption	NOUN
fbem-24796	48	34	.	.	PUNCT
fbem-24796	49	1	3.1.1	3.1.1	X
fbem-24796	49	2	.	.	PUNCT
fbem-24796	49	3	gender	gender	NOUN
fbem-24796	49	4	distribution	distribution	NOUN
fbem-24796	49	5	of	of	ADP
fbem-24796	49	6	respondents	respondent	NOUN
fbem-24796	49	7	as	as	SCONJ
fbem-24796	49	8	shown	show	VERB
fbem-24796	49	9	in	in	ADP
fbem-24796	49	10	figure	figure	NOUN
fbem-24796	49	11	1	1	NUM
fbem-24796	49	12	,	,	PUNCT
fbem-24796	49	13	there	there	PRON
fbem-24796	49	14	were	be	VERB
fbem-24796	49	15	113	113	NUM
fbem-24796	49	16	male	male	ADJ
fbem-24796	49	17	respondents	respondent	NOUN
fbem-24796	49	18	in	in	ADP
fbem-24796	49	19	this	this	DET
fbem-24796	49	20	survey	survey	NOUN
fbem-24796	49	21	,	,	PUNCT
fbem-24796	49	22	accounting	account	VERB
fbem-24796	49	23	for	for	ADP
fbem-24796	49	24	35.4	35.4	NUM
fbem-24796	49	25	%	%	NOUN
fbem-24796	49	26	;	;	PUNCT
fbem-24796	49	27	there	there	PRON
fbem-24796	49	28	are	be	VERB
fbem-24796	49	29	206	206	NUM
fbem-24796	49	30	female	female	ADJ
fbem-24796	49	31	respondents	respondent	NOUN
fbem-24796	49	32	,	,	PUNCT
fbem-24796	49	33	accounting	account	VERB
fbem-24796	49	34	for	for	ADP
fbem-24796	49	35	64.6	64.6	NUM
fbem-24796	49	36	%	%	NOUN
fbem-24796	49	37	,	,	PUNCT
fbem-24796	49	38	so	so	ADV
fbem-24796	49	39	female	female	ADJ
fbem-24796	49	40	respondents	respondent	NOUN
fbem-24796	49	41	are	be	AUX
fbem-24796	49	42	the	the	DET
fbem-24796	49	43	majority	majority	NOUN
fbem-24796	49	44	.	.	PUNCT
fbem-24796	50	1	figure	figure	NOUN
fbem-24796	50	2	1	1	NUM
fbem-24796	50	3	.	.	PUNCT
fbem-24796	51	1	gender	gender	NOUN
fbem-24796	51	2	distribution	distribution	NOUN
fbem-24796	51	3	of	of	ADP
fbem-24796	51	4	respondents	respondent	NOUN
fbem-24796	51	5	3.1.2	3.1.2	NUM
fbem-24796	51	6	.	.	PUNCT
fbem-24796	52	1	distribution	distribution	NOUN
fbem-24796	52	2	of	of	ADP
fbem-24796	52	3	educational	educational	ADJ
fbem-24796	52	4	qualifications	qualification	NOUN
fbem-24796	52	5	of	of	ADP
fbem-24796	52	6	respondents	respondent	NOUN
fbem-24796	52	7	as	as	SCONJ
fbem-24796	52	8	shown	show	VERB
fbem-24796	52	9	in	in	ADP
fbem-24796	52	10	figure	figure	NOUN
fbem-24796	52	11	2	2	NUM
fbem-24796	52	12	,	,	PUNCT
fbem-24796	52	13	there	there	PRON
fbem-24796	52	14	are	be	VERB
fbem-24796	52	15	39	39	NUM
fbem-24796	52	16	freshmen	freshman	NOUN
fbem-24796	52	17	,	,	PUNCT
fbem-24796	52	18	accounting	account	VERB
fbem-24796	52	19	for	for	ADP
fbem-24796	52	20	12.2	12.2	NUM
fbem-24796	52	21	%	%	NOUN
fbem-24796	52	22	;	;	PUNCT
fbem-24796	52	23	61sophomore	61sophomore	NUM
fbem-24796	52	24	students	student	NOUN
fbem-24796	52	25	,	,	PUNCT
fbem-24796	52	26	accounting	account	VERB
fbem-24796	52	27	for	for	ADP
fbem-24796	52	28	19.1	19.1	NUM
fbem-24796	52	29	%	%	NOUN
fbem-24796	52	30	;	;	PUNCT
fbem-24796	52	31	100	100	NUM
fbem-24796	52	32	third	third	ADJ
fbem-24796	52	33	year	year	NOUN
fbem-24796	52	34	students	student	NOUN
fbem-24796	52	35	,	,	PUNCT
fbem-24796	52	36	accounting	account	VERB
fbem-24796	52	37	for	for	ADP
fbem-24796	52	38	31.3	31.3	NUM
fbem-24796	52	39	%	%	NOUN
fbem-24796	52	40	;	;	PUNCT
fbem-24796	52	41	there	there	PRON
fbem-24796	52	42	are	be	VERB
fbem-24796	52	43	71	71	NUM
fbem-24796	52	44	senior	senior	ADJ
fbem-24796	52	45	students	student	NOUN
fbem-24796	52	46	,	,	PUNCT
fbem-24796	52	47	accounting	account	VERB
fbem-24796	52	48	for	for	ADP
fbem-24796	52	49	22.3	22.3	NUM
fbem-24796	52	50	%	%	NOUN
fbem-24796	52	51	.	.	PUNCT
fbem-24796	53	1	the	the	DET
fbem-24796	53	2	number	number	NOUN
fbem-24796	53	3	of	of	ADP
fbem-24796	53	4	master	master	NOUN
fbem-24796	53	5	's	's	PART
fbem-24796	53	6	students	student	NOUN
fbem-24796	53	7	is	be	AUX
fbem-24796	53	8	the	the	DET
fbem-24796	53	9	highest	high	ADJ
fbem-24796	53	10	,	,	PUNCT
fbem-24796	53	11	at	at	ADP
fbem-24796	53	12	42	42	NUM
fbem-24796	53	13	,	,	PUNCT
fbem-24796	53	14	accounting	account	VERB
fbem-24796	53	15	for	for	ADP
fbem-24796	53	16	13.2	13.2	NUM
fbem-24796	53	17	%	%	NOUN
fbem-24796	53	18	of	of	ADP
fbem-24796	53	19	the	the	DET
fbem-24796	53	20	total	total	ADJ
fbem-24796	53	21	number	number	NOUN
fbem-24796	53	22	;	;	PUNCT
fbem-24796	53	23	among	among	ADP
fbem-24796	53	24	the	the	DET
fbem-24796	53	25	respondents	respondent	NOUN
fbem-24796	53	26	,	,	PUNCT
fbem-24796	53	27	there	there	PRON
fbem-24796	53	28	were	be	VERB
fbem-24796	53	29	6	6	NUM
fbem-24796	53	30	doctoral	doctoral	ADJ
fbem-24796	53	31	students	student	NOUN
fbem-24796	53	32	,	,	PUNCT
fbem-24796	53	33	accounting	account	VERB
fbem-24796	53	34	for	for	ADP
fbem-24796	53	35	1.9	1.9	NUM
fbem-24796	53	36	%	%	NOUN
fbem-24796	53	37	of	of	ADP
fbem-24796	53	38	the	the	DET
fbem-24796	53	39	total	total	ADJ
fbem-24796	53	40	number	number	NOUN
fbem-24796	53	41	.	.	PUNCT
fbem-24796	54	1	from	from	ADP
fbem-24796	54	2	this	this	PRON
fbem-24796	54	3	,	,	PUNCT
fbem-24796	54	4	it	it	PRON
fbem-24796	54	5	can	can	AUX
fbem-24796	54	6	be	be	AUX
fbem-24796	54	7	seen	see	VERB
fbem-24796	54	8	that	that	SCONJ
fbem-24796	54	9	in	in	ADP
fbem-24796	54	10	this	this	DET
fbem-24796	54	11	survey	survey	NOUN
fbem-24796	54	12	,	,	PUNCT
fbem-24796	54	13	third	third	ADJ
fbem-24796	54	14	year	year	NOUN
fbem-24796	54	15	students	student	NOUN
fbem-24796	54	16	are	be	AUX
fbem-24796	54	17	the	the	DET
fbem-24796	54	18	majority	majority	NOUN
fbem-24796	54	19	,	,	PUNCT
fbem-24796	54	20	and	and	CCONJ
fbem-24796	54	21	doctoral	doctoral	ADJ
fbem-24796	54	22	students	student	NOUN
fbem-24796	54	23	are	be	AUX
fbem-24796	54	24	the	the	DET
fbem-24796	54	25	least	least	ADJ
fbem-24796	54	26	.	.	PUNCT
fbem-24796	55	1	figure	figure	NOUN
fbem-24796	55	2	2	2	NUM
fbem-24796	55	3	.	.	PUNCT
fbem-24796	56	1	distribution	distribution	NOUN
fbem-24796	56	2	of	of	ADP
fbem-24796	56	3	education	education	NOUN
fbem-24796	56	4	qualifications	qualification	NOUN
fbem-24796	56	5	of	of	ADP
fbem-24796	56	6	respondents	respondent	NOUN
fbem-24796	56	7	3.1.3	3.1.3	NUM
fbem-24796	56	8	.	.	PUNCT
fbem-24796	57	1	distribution	distribution	NOUN
fbem-24796	57	2	of	of	ADP
fbem-24796	57	3	household	household	NOUN
fbem-24796	57	4	registration	registration	NOUN
fbem-24796	57	5	types	type	NOUN
fbem-24796	57	6	of	of	ADP
fbem-24796	57	7	respondents	respondent	NOUN
fbem-24796	57	8	the	the	DET
fbem-24796	57	9	distribution	distribution	NOUN
fbem-24796	57	10	of	of	ADP
fbem-24796	57	11	household	household	NOUN
fbem-24796	57	12	registration	registration	NOUN
fbem-24796	57	13	types	type	NOUN
fbem-24796	57	14	among	among	ADP
fbem-24796	57	15	the	the	DET
fbem-24796	57	16	respondents	respondent	NOUN
fbem-24796	57	17	is	be	AUX
fbem-24796	57	18	shown	show	VERB
fbem-24796	57	19	in	in	ADP
fbem-24796	57	20	figure	figure	NOUN
fbem-24796	57	21	3	3	NUM
fbem-24796	57	22	.	.	PUNCT
fbem-24796	58	1	among	among	ADP
fbem-24796	58	2	all	all	DET
fbem-24796	58	3	the	the	DET
fbem-24796	58	4	respondents	respondent	NOUN
fbem-24796	58	5	,	,	PUNCT
fbem-24796	58	6	162	162	NUM
fbem-24796	58	7	people	people	NOUN
fbem-24796	58	8	came	come	VERB
fbem-24796	58	9	from	from	ADP
fbem-24796	58	10	urban	urban	ADJ
fbem-24796	58	11	areas	area	NOUN
fbem-24796	58	12	,	,	PUNCT
fbem-24796	58	13	accounting	account	VERB
fbem-24796	58	14	for50.8	for50.8	NUM
fbem-24796	58	15	%	%	NOUN
fbem-24796	58	16	of	of	ADP
fbem-24796	58	17	the	the	DET
fbem-24796	58	18	total	total	ADJ
fbem-24796	58	19	population	population	NOUN
fbem-24796	58	20	;	;	PUNCT
fbem-24796	58	21	the	the	DET
fbem-24796	58	22	number	number	NOUN
fbem-24796	58	23	of	of	ADP
fbem-24796	58	24	people	people	NOUN
fbem-24796	58	25	from	from	ADP
fbem-24796	58	26	rural	rural	ADJ
fbem-24796	58	27	areas	area	NOUN
fbem-24796	58	28	is	be	AUX
fbem-24796	58	29	157	157	NUM
fbem-24796	58	30	,	,	PUNCT
fbem-24796	58	31	accounting	account	VERB
fbem-24796	58	32	for	for	ADP
fbem-24796	58	33	49.2	49.2	NUM
fbem-24796	58	34	%	%	NOUN
fbem-24796	58	35	of	of	ADP
fbem-24796	58	36	the	the	DET
fbem-24796	58	37	total	total	ADJ
fbem-24796	58	38	population	population	NOUN
fbem-24796	58	39	.	.	PUNCT
fbem-24796	59	1	the	the	DET
fbem-24796	59	2	ratio	ratio	NOUN
fbem-24796	59	3	between	between	ADP
fbem-24796	59	4	the	the	DET
fbem-24796	59	5	two	two	NUM
fbem-24796	59	6	is	be	AUX
fbem-24796	59	7	similar	similar	ADJ
fbem-24796	59	8	.	.	PUNCT
fbem-24796	60	1	figure	figure	NOUN
fbem-24796	60	2	3	3	NUM
fbem-24796	60	3	.	.	PUNCT
fbem-24796	61	1	distribution	distribution	NOUN
fbem-24796	61	2	of	of	ADP
fbem-24796	61	3	household	household	NOUN
fbem-24796	61	4	registration	registration	NOUN
fbem-24796	61	5	types	type	NOUN
fbem-24796	61	6	of	of	ADP
fbem-24796	61	7	respondents	respondent	NOUN
fbem-24796	61	8	3.1.4	3.1.4	NUM
fbem-24796	61	9	.	.	PUNCT
fbem-24796	61	10	virtual	virtual	ADJ
fbem-24796	61	11	payment	payment	NOUN
fbem-24796	61	12	methods	method	NOUN
fbem-24796	61	13	for	for	ADP
fbem-24796	61	14	college	college	NOUN
fbem-24796	61	15	students	student	NOUN
fbem-24796	61	16	from	from	ADP
fbem-24796	61	17	figures	figure	NOUN
fbem-24796	61	18	4	4	NUM
fbem-24796	61	19	,	,	PUNCT
fbem-24796	61	20	it	it	PRON
fbem-24796	61	21	can	can	AUX
fbem-24796	61	22	be	be	AUX
fbem-24796	61	23	seen	see	VERB
fbem-24796	61	24	that	that	PRON
fbem-24796	61	25	.	.	PUNCT
fbem-24796	62	1	there	there	PRON
fbem-24796	62	2	are	be	VERB
fbem-24796	62	3	57	57	NUM
fbem-24796	62	4	students	student	NOUN
fbem-24796	62	5	who	who	PRON
fbem-24796	62	6	do	do	AUX
fbem-24796	62	7	not	not	PART
fbem-24796	62	8	use	use	VERB
fbem-24796	62	9	virtual	virtual	ADJ
fbem-24796	62	10	payment	payment	NOUN
fbem-24796	62	11	,	,	PUNCT
fbem-24796	62	12	accounting	account	VERB
fbem-24796	62	13	for	for	ADP
fbem-24796	62	14	17.90	17.90	NUM
fbem-24796	62	15	%	%	NOUN
fbem-24796	62	16	,	,	PUNCT
fbem-24796	62	17	and	and	CCONJ
fbem-24796	62	18	262	262	NUM
fbem-24796	62	19	students	student	NOUN
fbem-24796	62	20	who	who	PRON
fbem-24796	62	21	choose	choose	VERB
fbem-24796	62	22	to	to	PART
fbem-24796	62	23	use	use	VERB
fbem-24796	62	24	virtual	virtual	ADJ
fbem-24796	62	25	payment	payment	NOUN
fbem-24796	62	26	methods	method	NOUN
fbem-24796	62	27	,	,	PUNCT
fbem-24796	62	28	accounting	account	VERB
fbem-24796	62	29	for	for	ADP
fbem-24796	62	30	82.10	82.10	NUM
fbem-24796	62	31	%	%	NOUN
fbem-24796	62	32	.	.	PUNCT
fbem-24796	63	1	therefore	therefore	ADV
fbem-24796	63	2	,	,	PUNCT
fbem-24796	63	3	it	it	PRON
fbem-24796	63	4	can	can	AUX
fbem-24796	63	5	be	be	AUX
fbem-24796	63	6	seen	see	VERB
fbem-24796	63	7	that	that	SCONJ
fbem-24796	63	8	virtual	virtual	ADJ
fbem-24796	63	9	payment	payment	NOUN
fbem-24796	63	10	methods	method	NOUN
fbem-24796	63	11	are	be	AUX
fbem-24796	63	12	more	more	ADV
fbem-24796	63	13	popular	popular	ADJ
fbem-24796	63	14	among	among	ADP
fbem-24796	63	15	college	college	NOUN
fbem-24796	63	16	students	student	NOUN
fbem-24796	63	17	.	.	PUNCT
fbem-24796	64	1	figure	figure	VERB
fbem-24796	64	2	4	4	NUM
fbem-24796	64	3	.	.	PUNCT
fbem-24796	65	1	the	the	DET
fbem-24796	65	2	usage	usage	NOUN
fbem-24796	65	3	of	of	ADP
fbem-24796	65	4	virtual	virtual	ADJ
fbem-24796	65	5	payment	payment	NOUN
fbem-24796	65	6	methods	method	NOUN
fbem-24796	65	7	among	among	ADP
fbem-24796	65	8	college	college	NOUN
fbem-24796	65	9	students	student	NOUN
fbem-24796	65	10	35.40	35.40	NUM
fbem-24796	65	11	%	%	NOUN
fbem-24796	65	12	64.60	64.60	NUM
fbem-24796	65	13	%	%	NOUN
fbem-24796	65	14	male	male	ADJ
fbem-24796	65	15	female	female	NOUN
fbem-24796	65	16	12.20	12.20	NUM
fbem-24796	65	17	%	%	NOUN
fbem-24796	65	18	19.10	19.10	NUM
fbem-24796	65	19	%	%	NOUN
fbem-24796	65	20	31.30	31.30	NUM
fbem-24796	65	21	%	%	NOUN
fbem-24796	65	22	22.30	22.30	NUM
fbem-24796	65	23	%	%	NOUN
fbem-24796	65	24	13.20	13.20	NUM
fbem-24796	65	25	%	%	NOUN
fbem-24796	65	26	1.90	1.90	NUM
fbem-24796	65	27	%	%	NOUN
fbem-24796	65	28	freshmen	freshman	NOUN
fbem-24796	65	29	sophomore	sophomore	NOUN
fbem-24796	65	30	students	student	NOUN
fbem-24796	65	31	third	third	ADJ
fbem-24796	65	32	year	year	NOUN
fbem-24796	65	33	senior	senior	ADJ
fbem-24796	65	34	year	year	NOUN
fbem-24796	65	35	master	master	NOUN
fbem-24796	65	36	's	's	PART
fbem-24796	65	37	students	student	NOUN
fbem-24796	65	38	doctoral	doctoral	ADJ
fbem-24796	65	39	students	student	NOUN
fbem-24796	65	40	50.80%49.20	50.80%49.20	NUM
fbem-24796	65	41	%	%	NOUN
fbem-24796	65	42	urban	urban	ADJ
fbem-24796	65	43	areas	area	NOUN
fbem-24796	65	44	rural	rural	ADJ
fbem-24796	65	45	areas	area	NOUN
fbem-24796	65	46	82	82	NUM
fbem-24796	65	47	%	%	NOUN
fbem-24796	65	48	18	18	NUM
fbem-24796	65	49	%	%	NOUN
fbem-24796	66	1	yes	yes	INTJ
fbem-24796	66	2	no	no	DET
fbem-24796	66	3	452	452	NUM
fbem-24796	66	4	3.2	3.2	NUM
fbem-24796	66	5	.	.	PUNCT
fbem-24796	67	1	reliability	reliability	NOUN
fbem-24796	67	2	and	and	CCONJ
fbem-24796	67	3	validity	validity	NOUN
fbem-24796	67	4	analysis	analysis	NOUN
fbem-24796	67	5	of	of	ADP
fbem-24796	67	6	the	the	DET
fbem-24796	67	7	questionnaire	questionnaire	NOUN
fbem-24796	67	8	before	before	ADP
fbem-24796	67	9	conducting	conduct	VERB
fbem-24796	67	10	in	in	ADP
fbem-24796	67	11	-	-	PUNCT
fbem-24796	67	12	depth	depth	NOUN
fbem-24796	67	13	analysis	analysis	NOUN
fbem-24796	67	14	of	of	ADP
fbem-24796	67	15	the	the	DET
fbem-24796	67	16	survey	survey	NOUN
fbem-24796	67	17	results	result	VERB
fbem-24796	67	18	,	,	PUNCT
fbem-24796	67	19	it	it	PRON
fbem-24796	67	20	is	be	AUX
fbem-24796	67	21	necessary	necessary	ADJ
fbem-24796	67	22	to	to	PART
fbem-24796	67	23	test	test	VERB
fbem-24796	67	24	the	the	DET
fbem-24796	67	25	reliability	reliability	NOUN
fbem-24796	67	26	and	and	CCONJ
fbem-24796	67	27	validity	validity	NOUN
fbem-24796	67	28	of	of	ADP
fbem-24796	67	29	the	the	DET
fbem-24796	67	30	questionnaire	questionnaire	NOUN
fbem-24796	67	31	.	.	PUNCT
fbem-24796	68	1	only	only	ADV
fbem-24796	68	2	with	with	ADP
fbem-24796	68	3	high	high	ADJ
fbem-24796	68	4	reliability	reliability	NOUN
fbem-24796	68	5	and	and	CCONJ
fbem-24796	68	6	validity	validity	NOUN
fbem-24796	68	7	can	can	AUX
fbem-24796	68	8	a	a	DET
fbem-24796	68	9	questionnaire	questionnaire	NOUN
fbem-24796	68	10	provide	provide	VERB
fbem-24796	68	11	reliable	reliable	ADJ
fbem-24796	68	12	results	result	NOUN
fbem-24796	68	13	for	for	ADP
fbem-24796	68	14	subsequent	subsequent	ADJ
fbem-24796	68	15	data	datum	NOUN
fbem-24796	68	16	analysis	analysis	NOUN
fbem-24796	68	17	,	,	PUNCT
fbem-24796	68	18	otherwise	otherwise	ADV
fbem-24796	68	19	the	the	DET
fbem-24796	68	20	credibility	credibility	NOUN
fbem-24796	68	21	of	of	ADP
fbem-24796	68	22	the	the	DET
fbem-24796	68	23	data	datum	NOUN
fbem-24796	68	24	surveyed	survey	VERB
fbem-24796	68	25	by	by	ADP
fbem-24796	68	26	the	the	DET
fbem-24796	68	27	questionnaire	questionnaire	NOUN
fbem-24796	68	28	is	be	AUX
fbem-24796	68	29	low	low	ADJ
fbem-24796	68	30	,	,	PUNCT
fbem-24796	68	31	the	the	DET
fbem-24796	68	32	representativeness	representativeness	NOUN
fbem-24796	68	33	is	be	AUX
fbem-24796	68	34	poor	poor	ADJ
fbem-24796	68	35	and	and	CCONJ
fbem-24796	68	36	there	there	PRON
fbem-24796	68	37	is	be	VERB
fbem-24796	68	38	a	a	DET
fbem-24796	68	39	significant	significant	ADJ
fbem-24796	68	40	deviation	deviation	NOUN
fbem-24796	68	41	from	from	ADP
fbem-24796	68	42	the	the	DET
fbem-24796	68	43	actual	actual	ADJ
fbem-24796	68	44	situation	situation	NOUN
fbem-24796	68	45	.	.	PUNCT
fbem-24796	69	1	3.2.1	3.2.1	X
fbem-24796	69	2	.	.	PUNCT
fbem-24796	69	3	reliability	reliability	NOUN
fbem-24796	69	4	analysis	analysis	NOUN
fbem-24796	69	5	the	the	DET
fbem-24796	69	6	purpose	purpose	NOUN
fbem-24796	69	7	of	of	ADP
fbem-24796	69	8	reliability	reliability	NOUN
fbem-24796	69	9	analysis	analysis	NOUN
fbem-24796	69	10	is	be	AUX
fbem-24796	69	11	to	to	PART
fbem-24796	69	12	test	test	VERB
fbem-24796	69	13	the	the	DET
fbem-24796	69	14	consistency	consistency	NOUN
fbem-24796	69	15	and	and	CCONJ
fbem-24796	69	16	stability	stability	NOUN
fbem-24796	69	17	of	of	ADP
fbem-24796	69	18	the	the	DET
fbem-24796	69	19	scales	scale	NOUN
fbem-24796	69	20	in	in	ADP
fbem-24796	69	21	the	the	DET
fbem-24796	69	22	questionnaire	questionnaire	NOUN
fbem-24796	69	23	.	.	PUNCT
fbem-24796	70	1	in	in	ADP
fbem-24796	70	2	homogeneity	homogeneity	NOUN
fbem-24796	70	3	testing	testing	NOUN
fbem-24796	70	4	,	,	PUNCT
fbem-24796	70	5	the	the	DET
fbem-24796	70	6	reliability	reliability	NOUN
fbem-24796	70	7	coefficient	coefficient	NOUN
fbem-24796	70	8	can	can	AUX
fbem-24796	70	9	be	be	AUX
fbem-24796	70	10	used	use	VERB
fbem-24796	70	11	as	as	ADP
fbem-24796	70	12	an	an	DET
fbem-24796	70	13	indicator	indicator	NOUN
fbem-24796	70	14	for	for	ADP
fbem-24796	70	15	analysis	analysis	NOUN
fbem-24796	70	16	.	.	PUNCT
fbem-24796	71	1	reliability	reliability	NOUN
fbem-24796	71	2	analysis	analysis	NOUN
fbem-24796	71	3	mainly	mainly	ADV
fbem-24796	71	4	includes	include	VERB
fbem-24796	71	5	two	two	NUM
fbem-24796	71	6	aspects	aspect	NOUN
fbem-24796	71	7	:	:	PUNCT
fbem-24796	71	8	internal	internal	ADJ
fbem-24796	71	9	reliability	reliability	NOUN
fbem-24796	71	10	analysis	analysis	NOUN
fbem-24796	71	11	and	and	CCONJ
fbem-24796	71	12	external	external	ADJ
fbem-24796	71	13	reliability	reliability	NOUN
fbem-24796	71	14	analysis	analysis	NOUN
fbem-24796	71	15	.	.	PUNCT
fbem-24796	72	1	for	for	ADP
fbem-24796	72	2	most	most	ADJ
fbem-24796	72	3	studies	study	NOUN
fbem-24796	72	4	,	,	PUNCT
fbem-24796	72	5	analysts	analyst	NOUN
fbem-24796	72	6	typically	typically	ADV
fbem-24796	72	7	use	use	VERB
fbem-24796	72	8	internal	internal	ADJ
fbem-24796	72	9	consistency	consistency	NOUN
fbem-24796	72	10	coefficients	coefficient	NOUN
fbem-24796	72	11	to	to	PART
fbem-24796	72	12	measure	measure	VERB
fbem-24796	72	13	questionnaire	questionnaire	NOUN
fbem-24796	72	14	reliability	reliability	NOUN
fbem-24796	72	15	.	.	PUNCT
fbem-24796	73	1	normally	normally	ADV
fbem-24796	73	2	,	,	PUNCT
fbem-24796	73	3	the	the	DET
fbem-24796	73	4	value	value	NOUN
fbem-24796	73	5	of	of	ADP
fbem-24796	73	6	this	this	DET
fbem-24796	73	7	coefficient	coefficient	NOUN
fbem-24796	73	8	should	should	AUX
fbem-24796	73	9	be	be	AUX
fbem-24796	73	10	greater	great	ADJ
fbem-24796	73	11	than	than	ADP
fbem-24796	73	12	0.6	0.6	NUM
fbem-24796	73	13	.	.	PUNCT
fbem-24796	74	1	when	when	SCONJ
fbem-24796	74	2	the	the	DET
fbem-24796	74	3	coefficient	coefficient	NOUN
fbem-24796	74	4	is	be	AUX
fbem-24796	74	5	between	between	ADP
fbem-24796	74	6	0.6	0.6	NUM
fbem-24796	74	7	and	and	CCONJ
fbem-24796	74	8	0.7	0.7	NUM
fbem-24796	74	9	,	,	PUNCT
fbem-24796	74	10	it	it	PRON
fbem-24796	74	11	indicates	indicate	VERB
fbem-24796	74	12	that	that	SCONJ
fbem-24796	74	13	the	the	DET
fbem-24796	74	14	reliability	reliability	NOUN
fbem-24796	74	15	of	of	ADP
fbem-24796	74	16	the	the	DET
fbem-24796	74	17	questionnaire	questionnaire	NOUN
fbem-24796	74	18	is	be	AUX
fbem-24796	74	19	still	still	ADV
fbem-24796	74	20	acceptable	acceptable	ADJ
fbem-24796	74	21	;	;	PUNCT
fbem-24796	74	22	when	when	SCONJ
fbem-24796	74	23	the	the	DET
fbem-24796	74	24	coefficient	coefficient	NOUN
fbem-24796	74	25	is	be	AUX
fbem-24796	74	26	between	between	ADP
fbem-24796	74	27	0.7	0.7	NUM
fbem-24796	74	28	and	and	CCONJ
fbem-24796	74	29	0.8	0.8	NUM
fbem-24796	74	30	,	,	PUNCT
fbem-24796	74	31	it	it	PRON
fbem-24796	74	32	indicates	indicate	VERB
fbem-24796	74	33	good	good	ADJ
fbem-24796	74	34	reliability	reliability	NOUN
fbem-24796	74	35	of	of	ADP
fbem-24796	74	36	the	the	DET
fbem-24796	74	37	questionnaire	questionnaire	NOUN
fbem-24796	74	38	;	;	PUNCT
fbem-24796	74	39	when	when	SCONJ
fbem-24796	74	40	the	the	DET
fbem-24796	74	41	coefficient	coefficient	NOUN
fbem-24796	74	42	is	be	AUX
fbem-24796	74	43	between	between	ADP
fbem-24796	74	44	0.8	0.8	NUM
fbem-24796	74	45	and	and	CCONJ
fbem-24796	74	46	0.9	0.9	NUM
fbem-24796	74	47	,	,	PUNCT
fbem-24796	74	48	it	it	PRON
fbem-24796	74	49	indicates	indicate	VERB
fbem-24796	74	50	that	that	SCONJ
fbem-24796	74	51	the	the	DET
fbem-24796	74	52	questionnaire	questionnaire	NOUN
fbem-24796	74	53	has	have	VERB
fbem-24796	74	54	good	good	ADJ
fbem-24796	74	55	reliability	reliability	NOUN
fbem-24796	74	56	;	;	PUNCT
fbem-24796	74	57	when	when	SCONJ
fbem-24796	74	58	the	the	DET
fbem-24796	74	59	value	value	NOUN
fbem-24796	74	60	is	be	AUX
fbem-24796	74	61	greater	great	ADJ
fbem-24796	74	62	than	than	ADP
fbem-24796	74	63	0.9	0.9	NUM
fbem-24796	74	64	,	,	PUNCT
fbem-24796	74	65	it	it	PRON
fbem-24796	74	66	indicates	indicate	VERB
fbem-24796	74	67	that	that	SCONJ
fbem-24796	74	68	the	the	DET
fbem-24796	74	69	reliability	reliability	NOUN
fbem-24796	74	70	of	of	ADP
fbem-24796	74	71	the	the	DET
fbem-24796	74	72	questionnaire	questionnaire	NOUN
fbem-24796	74	73	is	be	AUX
fbem-24796	74	74	very	very	ADV
fbem-24796	74	75	ideal	ideal	ADJ
fbem-24796	74	76	.	.	PUNCT
fbem-24796	75	1	firstly	firstly	ADV
fbem-24796	75	2	,	,	PUNCT
fbem-24796	75	3	for	for	ADP
fbem-24796	75	4	the	the	DET
fbem-24796	75	5	scale	scale	NOUN
fbem-24796	75	6	of	of	ADP
fbem-24796	75	7	virtual	virtual	ADJ
fbem-24796	75	8	payment	payment	NOUN
fbem-24796	75	9	convenience	convenience	NOUN
fbem-24796	75	10	,	,	PUNCT
fbem-24796	75	11	as	as	SCONJ
fbem-24796	75	12	shown	show	VERB
fbem-24796	75	13	in	in	ADP
fbem-24796	75	14	table	table	NOUN
fbem-24796	75	15	1	1	NUM
fbem-24796	75	16	,	,	PUNCT
fbem-24796	75	17	the	the	DET
fbem-24796	75	18	overall	overall	ADJ
fbem-24796	75	19	cronbach	cronbach	NOUN
fbem-24796	75	20	's	's	PART
fbem-24796	75	21	alpha	alpha	NOUN
fbem-24796	75	22	value	value	NOUN
fbem-24796	75	23	of	of	ADP
fbem-24796	75	24	the	the	DET
fbem-24796	75	25	six	six	NUM
fbem-24796	75	26	items	item	NOUN
fbem-24796	75	27	is	be	AUX
fbem-24796	75	28	0.959	0.959	NUM
fbem-24796	75	29	,	,	PUNCT
fbem-24796	75	30	which	which	PRON
fbem-24796	75	31	is	be	AUX
fbem-24796	75	32	greater	great	ADJ
fbem-24796	75	33	than	than	ADP
fbem-24796	75	34	0.9	0.9	NUM
fbem-24796	75	35	,	,	PUNCT
fbem-24796	75	36	and	and	CCONJ
fbem-24796	75	37	the	the	DET
fbem-24796	75	38	cronbach	cronbach	NOUN
fbem-24796	75	39	's	's	PART
fbem-24796	75	40	alpha	alpha	ADJ
fbem-24796	75	41	values	value	NOUN
fbem-24796	75	42	of	of	ADP
fbem-24796	75	43	deleted	delete	VERB
fbem-24796	75	44	items	item	NOUN
fbem-24796	75	45	are	be	AUX
fbem-24796	75	46	all	all	ADV
fbem-24796	75	47	less	less	ADJ
fbem-24796	75	48	than	than	ADP
fbem-24796	75	49	0.942	0.942	NUM
fbem-24796	75	50	.	.	PUNCT
fbem-24796	76	1	the	the	DET
fbem-24796	76	2	minimum	minimum	ADJ
fbem-24796	76	3	correlation	correlation	NOUN
fbem-24796	76	4	value	value	NOUN
fbem-24796	76	5	of	of	ADP
fbem-24796	76	6	the	the	DET
fbem-24796	76	7	corrected	correct	VERB
fbem-24796	76	8	items	item	NOUN
fbem-24796	76	9	for	for	ADP
fbem-24796	76	10	each	each	DET
fbem-24796	76	11	item	item	NOUN
fbem-24796	76	12	is	be	AUX
fbem-24796	76	13	0.821	0.821	NUM
fbem-24796	76	14	,	,	PUNCT
fbem-24796	76	15	which	which	PRON
fbem-24796	76	16	is	be	AUX
fbem-24796	76	17	greater	great	ADJ
fbem-24796	76	18	than	than	ADP
fbem-24796	76	19	0.4	0.4	NUM
fbem-24796	76	20	.	.	PUNCT
fbem-24796	77	1	therefore	therefore	ADV
fbem-24796	77	2	,	,	PUNCT
fbem-24796	77	3	it	it	PRON
fbem-24796	77	4	can	can	AUX
fbem-24796	77	5	be	be	AUX
fbem-24796	77	6	concluded	conclude	VERB
fbem-24796	77	7	that	that	SCONJ
fbem-24796	77	8	the	the	DET
fbem-24796	77	9	reliability	reliability	NOUN
fbem-24796	77	10	of	of	ADP
fbem-24796	77	11	the	the	DET
fbem-24796	77	12	virtual	virtual	ADJ
fbem-24796	77	13	payment	payment	NOUN
fbem-24796	77	14	convenience	convenience	NOUN
fbem-24796	77	15	scale	scale	NOUN
fbem-24796	77	16	is	be	AUX
fbem-24796	77	17	very	very	ADV
fbem-24796	77	18	ideal	ideal	ADJ
fbem-24796	77	19	.	.	PUNCT
fbem-24796	78	1	for	for	ADP
fbem-24796	78	2	the	the	DET
fbem-24796	78	3	security	security	NOUN
fbem-24796	78	4	scale	scale	NOUN
fbem-24796	78	5	,	,	PUNCT
fbem-24796	78	6	the	the	DET
fbem-24796	78	7	overall	overall	ADJ
fbem-24796	78	8	cronbach	cronbach	NOUN
fbem-24796	78	9	's	's	PART
fbem-24796	78	10	alpha	alpha	NOUN
fbem-24796	78	11	value	value	NOUN
fbem-24796	78	12	of	of	ADP
fbem-24796	78	13	its	its	PRON
fbem-24796	78	14	5	5	NUM
fbem-24796	78	15	items	item	NOUN
fbem-24796	78	16	is	be	AUX
fbem-24796	78	17	0.752	0.752	NUM
fbem-24796	78	18	,	,	PUNCT
fbem-24796	78	19	which	which	PRON
fbem-24796	78	20	is	be	AUX
fbem-24796	78	21	greater	great	ADJ
fbem-24796	78	22	than	than	ADP
fbem-24796	78	23	the	the	DET
fbem-24796	78	24	deleted	delete	VERB
fbem-24796	78	25	cronbach	cronbach	NOUN
fbem-24796	78	26	's	's	PART
fbem-24796	78	27	alpha	alpha	NOUN
fbem-24796	78	28	value	value	NOUN
fbem-24796	78	29	of	of	ADP
fbem-24796	78	30	each	each	DET
fbem-24796	78	31	item	item	NOUN
fbem-24796	78	32	.	.	PUNCT
fbem-24796	79	1	moreover	moreover	ADV
fbem-24796	79	2	,	,	PUNCT
fbem-24796	79	3	the	the	DET
fbem-24796	79	4	minimum	minimum	NOUN
fbem-24796	79	5	corrected	correct	VERB
fbem-24796	79	6	correlation	correlation	NOUN
fbem-24796	79	7	value	value	NOUN
fbem-24796	79	8	of	of	ADP
fbem-24796	79	9	the	the	DET
fbem-24796	79	10	total	total	ADJ
fbem-24796	79	11	items	item	NOUN
fbem-24796	79	12	is	be	AUX
fbem-24796	79	13	0.535	0.535	NUM
fbem-24796	79	14	.	.	PUNCT
fbem-24796	80	1	therefore	therefore	ADV
fbem-24796	80	2	,	,	PUNCT
fbem-24796	80	3	the	the	DET
fbem-24796	80	4	reliability	reliability	NOUN
fbem-24796	80	5	of	of	ADP
fbem-24796	80	6	the	the	DET
fbem-24796	80	7	security	security	NOUN
fbem-24796	80	8	scale	scale	NOUN
fbem-24796	80	9	for	for	ADP
fbem-24796	80	10	virtual	virtual	ADJ
fbem-24796	80	11	payments	payment	NOUN
fbem-24796	80	12	is	be	AUX
fbem-24796	80	13	good	good	ADJ
fbem-24796	80	14	.	.	PUNCT
fbem-24796	81	1	finally	finally	ADV
fbem-24796	81	2	,	,	PUNCT
fbem-24796	81	3	for	for	ADP
fbem-24796	81	4	the	the	DET
fbem-24796	81	5	integrated	integrate	VERB
fbem-24796	81	6	scale	scale	NOUN
fbem-24796	81	7	,	,	PUNCT
fbem-24796	81	8	its	its	PRON
fbem-24796	81	9	cronbach	cronbach	NOUN
fbem-24796	81	10	's	's	PART
fbem-24796	81	11	alpha	alpha	NOUN
fbem-24796	81	12	value	value	NOUN
fbem-24796	81	13	is	be	AUX
fbem-24796	81	14	0.920	0.920	NUM
fbem-24796	81	15	,	,	PUNCT
fbem-24796	81	16	which	which	PRON
fbem-24796	81	17	is	be	AUX
fbem-24796	81	18	greater	great	ADJ
fbem-24796	81	19	than	than	ADP
fbem-24796	81	20	the	the	DET
fbem-24796	81	21	cronbach	cronbach	NOUN
fbem-24796	81	22	's	's	PART
fbem-24796	81	23	alpha	alpha	NOUN
fbem-24796	81	24	value	value	NOUN
fbem-24796	81	25	of	of	ADP
fbem-24796	81	26	each	each	DET
fbem-24796	81	27	item	item	NOUN
fbem-24796	81	28	that	that	PRON
fbem-24796	81	29	has	have	AUX
fbem-24796	81	30	been	be	AUX
fbem-24796	81	31	removed	remove	VERB
fbem-24796	81	32	,	,	PUNCT
fbem-24796	81	33	and	and	CCONJ
fbem-24796	81	34	the	the	DET
fbem-24796	81	35	minimum	minimum	ADJ
fbem-24796	81	36	corrected	correct	VERB
fbem-24796	81	37	item	item	NOUN
fbem-24796	81	38	total	total	NOUN
fbem-24796	81	39	correlation	correlation	NOUN
fbem-24796	81	40	value	value	NOUN
fbem-24796	81	41	is	be	AUX
fbem-24796	81	42	0.758	0.758	NUM
fbem-24796	81	43	.	.	PUNCT
fbem-24796	82	1	the	the	DET
fbem-24796	82	2	above	above	ADJ
fbem-24796	82	3	data	data	NOUN
fbem-24796	82	4	results	result	NOUN
fbem-24796	82	5	indicate	indicate	VERB
fbem-24796	82	6	that	that	SCONJ
fbem-24796	82	7	the	the	DET
fbem-24796	82	8	integrated	integrate	VERB
fbem-24796	82	9	scale	scale	NOUN
fbem-24796	82	10	for	for	ADP
fbem-24796	82	11	virtual	virtual	ADJ
fbem-24796	82	12	payments	payment	NOUN
fbem-24796	82	13	has	have	VERB
fbem-24796	82	14	very	very	ADV
fbem-24796	82	15	ideal	ideal	ADJ
fbem-24796	82	16	reliability	reliability	NOUN
fbem-24796	82	17	.	.	PUNCT
fbem-24796	83	1	table	table	NOUN
fbem-24796	83	2	1	1	NUM
fbem-24796	83	3	.	.	PUNCT
fbem-24796	84	1	reliability	reliability	NOUN
fbem-24796	84	2	analysis	analysis	NOUN
fbem-24796	84	3	results	result	NOUN
fbem-24796	84	4	of	of	ADP
fbem-24796	84	5	virtual	virtual	ADJ
fbem-24796	84	6	payment	payment	NOUN
fbem-24796	84	7	scale	scale	NOUN
fbem-24796	84	8	subsc	subsc	PROPN
fbem-24796	84	9	ale	ale	NOUN
fbem-24796	84	10	variable	variable	ADJ
fbem-24796	84	11	symbols	symbol	NOUN
fbem-24796	84	12	cronbac	cronbac	PROPN
fbem-24796	84	13	h	h	NOUN
fbem-24796	84	14	’s	’s	PART
fbem-24796	84	15	alpha	alpha	NOUN
fbem-24796	84	16	corrected	correct	VERB
fbem-24796	84	17	item	item	NOUN
fbem-24796	84	18	total	total	NOUN
fbem-24796	84	19	correlation	correlation	NOUN
fbem-24796	84	20	items	item	NOUN
fbem-24796	84	21	that	that	PRON
fbem-24796	84	22	have	have	AUX
fbem-24796	84	23	been	be	AUX
fbem-24796	84	24	deleted	delete	VERB
fbem-24796	84	25	cronbach	cronbach	NOUN
fbem-24796	84	26	's	's	PART
fbem-24796	84	27	alpha	alpha	NOUN
fbem-24796	84	28	value	value	NOUN
fbem-24796	84	29	conve	conve	PROPN
fbem-24796	84	30	nience	nience	PROPN
fbem-24796	84	31	c1	c1	PROPN
fbem-24796	84	32	0.866	0.866	NUM
fbem-24796	84	33	0.954	0.954	NUM
fbem-24796	84	34	c2	c2	PROPN
fbem-24796	84	35	0.832	0.832	NUM
fbem-24796	84	36	0.955	0.955	NUM
fbem-24796	84	37	c3	c3	NOUN
fbem-24796	84	38	0.861	0.861	NUM
fbem-24796	84	39	0.962	0.962	NUM
fbem-24796	84	40	c4	c4	NOUN
fbem-24796	84	41	0.942	0.942	NUM
fbem-24796	84	42	0.834	0.834	NUM
fbem-24796	84	43	0.961	0.961	NUM
fbem-24796	84	44	c5	c5	PROPN
fbem-24796	84	45	0.892	0.892	NUM
fbem-24796	84	46	0.953	0.953	NUM
fbem-24796	84	47	c6	c6	PROPN
fbem-24796	84	48	0.917	0.917	NUM
fbem-24796	84	49	0.947	0.947	NUM
fbem-24796	84	50	securi	securi	PROPN
fbem-24796	85	1	ty	ty	INTJ
fbem-24796	85	2	c7	c7	PROPN
fbem-24796	85	3	0.752	0.752	NUM
fbem-24796	85	4	0.563	0.563	NUM
fbem-24796	85	5	0.755	0.755	NUM
fbem-24796	85	6	c8	c8	PROPN
fbem-24796	85	7	0.638	0.638	NUM
fbem-24796	85	8	0.721	0.721	NUM
fbem-24796	85	9	c9	c9	NOUN
fbem-24796	85	10	0.622	0.622	NUM
fbem-24796	85	11	0.742	0.742	NUM
fbem-24796	85	12	c10	c10	VERB
fbem-24796	85	13	0.595	0.595	NUM
fbem-24796	85	14	0.745	0.745	NUM
fbem-24796	85	15	integr	integr	NOUN
fbem-24796	85	16	ation	ation	PROPN
fbem-24796	85	17	c11	c11	NOUN
fbem-24796	85	18	0.562	0.562	NUM
fbem-24796	85	19	0.766	0.766	NUM
fbem-24796	85	20	c12	c12	NOUN
fbem-24796	85	21	0.793	0.793	NUM
fbem-24796	85	22	0.923	0.923	NUM
fbem-24796	85	23	c13	c13	NOUN
fbem-24796	85	24	0.872	0.872	NUM
fbem-24796	85	25	0.892	0.892	NUM
fbem-24796	85	26	c14	c14	NOUN
fbem-24796	85	27	0.920	0.920	NUM
fbem-24796	85	28	0.863	0.863	NUM
fbem-24796	85	29	0.893	0.893	NUM
fbem-24796	85	30	c15	c15	NOUN
fbem-24796	85	31	0.842	0.842	NUM
fbem-24796	85	32	0.908	0.908	NUM
fbem-24796	85	33	secondly	secondly	ADV
fbem-24796	85	34	.	.	PUNCT
fbem-24796	86	1	the	the	DET
fbem-24796	86	2	overall	overall	ADJ
fbem-24796	86	3	cronbach	cronbach	NOUN
fbem-24796	86	4	's	's	PART
fbem-24796	86	5	alpha	alpha	ADJ
fbem-24796	86	6	values	value	NOUN
fbem-24796	86	7	of	of	ADP
fbem-24796	86	8	the	the	DET
fbem-24796	86	9	four	four	NUM
fbem-24796	86	10	scales	scale	NOUN
fbem-24796	86	11	of	of	ADP
fbem-24796	86	12	consumer	consumer	NOUN
fbem-24796	86	13	psychology	psychology	NOUN
fbem-24796	86	14	,	,	PUNCT
fbem-24796	86	15	consumption	consumption	NOUN
fbem-24796	86	16	level	level	NOUN
fbem-24796	86	17	,	,	PUNCT
fbem-24796	86	18	consumption	consumption	NOUN
fbem-24796	86	19	structure	structure	NOUN
fbem-24796	86	20	,	,	PUNCT
fbem-24796	86	21	and	and	CCONJ
fbem-24796	86	22	consumption	consumption	NOUN
fbem-24796	86	23	experience	experience	NOUN
fbem-24796	86	24	are	be	AUX
fbem-24796	86	25	0.774	0.774	NUM
fbem-24796	86	26	,	,	PUNCT
fbem-24796	86	27	0.812	0.812	NUM
fbem-24796	86	28	,	,	PUNCT
fbem-24796	86	29	0.920	0.920	NUM
fbem-24796	86	30	,	,	PUNCT
fbem-24796	86	31	and	and	CCONJ
fbem-24796	86	32	0.887	0.887	NUM
fbem-24796	86	33	,	,	PUNCT
fbem-24796	86	34	respectively	respectively	ADV
fbem-24796	86	35	,	,	PUNCT
fbem-24796	86	36	which	which	PRON
fbem-24796	86	37	are	be	AUX
fbem-24796	86	38	greater	great	ADJ
fbem-24796	86	39	than	than	ADP
fbem-24796	86	40	the	the	DET
fbem-24796	86	41	cronbach	cronbach	NOUN
fbem-24796	86	42	's	's	PART
fbem-24796	86	43	alpha	alpha	ADJ
fbem-24796	86	44	values	value	NOUN
fbem-24796	86	45	of	of	ADP
fbem-24796	86	46	their	their	PRON
fbem-24796	86	47	respective	respective	ADJ
fbem-24796	86	48	items	item	NOUN
fbem-24796	86	49	that	that	PRON
fbem-24796	86	50	have	have	AUX
fbem-24796	86	51	been	be	AUX
fbem-24796	86	52	removed	remove	VERB
fbem-24796	86	53	.	.	PUNCT
fbem-24796	87	1	in	in	ADP
fbem-24796	87	2	addition	addition	NOUN
fbem-24796	87	3	,	,	PUNCT
fbem-24796	87	4	the	the	DET
fbem-24796	87	5	minimum	minimum	ADJ
fbem-24796	87	6	correlation	correlation	NOUN
fbem-24796	87	7	values	value	NOUN
fbem-24796	87	8	of	of	ADP
fbem-24796	87	9	the	the	DET
fbem-24796	87	10	corresponding	corresponding	ADJ
fbem-24796	87	11	corrected	correct	VERB
fbem-24796	87	12	items	item	NOUN
fbem-24796	87	13	are:0.435	are:0.435	ADP
fbem-24796	87	14	,	,	PUNCT
fbem-24796	87	15	0.532	0.532	NUM
fbem-24796	87	16	,	,	PUNCT
fbem-24796	87	17	0.739	0.739	NUM
fbem-24796	87	18	,	,	PUNCT
fbem-24796	87	19	and	and	CCONJ
fbem-24796	87	20	0.656	0.656	NUM
fbem-24796	87	21	are	be	AUX
fbem-24796	87	22	all	all	ADV
fbem-24796	87	23	greater	great	ADJ
fbem-24796	87	24	than	than	ADP
fbem-24796	87	25	0.4	0.4	NUM
fbem-24796	87	26	.	.	PUNCT
fbem-24796	88	1	therefore	therefore	ADV
fbem-24796	88	2	,	,	PUNCT
fbem-24796	88	3	it	it	PRON
fbem-24796	88	4	can	can	AUX
fbem-24796	88	5	be	be	AUX
fbem-24796	88	6	concluded	conclude	VERB
fbem-24796	88	7	that	that	SCONJ
fbem-24796	88	8	the	the	DET
fbem-24796	88	9	reliability	reliability	NOUN
fbem-24796	88	10	of	of	ADP
fbem-24796	88	11	the	the	DET
fbem-24796	88	12	consumer	consumer	NOUN
fbem-24796	88	13	psychology	psychology	NOUN
fbem-24796	88	14	scale	scale	NOUN
fbem-24796	88	15	is	be	AUX
fbem-24796	88	16	good	good	ADJ
fbem-24796	88	17	,	,	PUNCT
fbem-24796	88	18	the	the	DET
fbem-24796	88	19	reliability	reliability	NOUN
fbem-24796	88	20	of	of	ADP
fbem-24796	88	21	the	the	DET
fbem-24796	88	22	consumer	consumer	NOUN
fbem-24796	88	23	level	level	NOUN
fbem-24796	88	24	and	and	CCONJ
fbem-24796	88	25	consumer	consumer	NOUN
fbem-24796	88	26	experience	experience	NOUN
fbem-24796	88	27	scale	scale	NOUN
fbem-24796	88	28	is	be	AUX
fbem-24796	88	29	good	good	ADJ
fbem-24796	88	30	,	,	PUNCT
fbem-24796	88	31	and	and	CCONJ
fbem-24796	88	32	the	the	DET
fbem-24796	88	33	reliability	reliability	NOUN
fbem-24796	88	34	of	of	ADP
fbem-24796	88	35	the	the	DET
fbem-24796	88	36	consumer	consumer	NOUN
fbem-24796	88	37	structure	structure	NOUN
fbem-24796	88	38	scale	scale	NOUN
fbem-24796	88	39	is	be	AUX
fbem-24796	88	40	very	very	ADV
fbem-24796	88	41	ideal	ideal	ADJ
fbem-24796	88	42	.	.	PUNCT
fbem-24796	89	1	based	base	VERB
fbem-24796	89	2	on	on	ADP
fbem-24796	89	3	the	the	DET
fbem-24796	89	4	above	above	ADJ
fbem-24796	89	5	analysis	analysis	NOUN
fbem-24796	89	6	,	,	PUNCT
fbem-24796	89	7	it	it	PRON
fbem-24796	89	8	can	can	AUX
fbem-24796	89	9	be	be	AUX
fbem-24796	89	10	concluded	conclude	VERB
fbem-24796	89	11	that	that	SCONJ
fbem-24796	89	12	the	the	DET
fbem-24796	89	13	seven	seven	NUM
fbem-24796	89	14	scales	scale	NOUN
fbem-24796	89	15	and	and	CCONJ
fbem-24796	89	16	each	each	DET
fbem-24796	89	17	item	item	NOUN
fbem-24796	89	18	in	in	ADP
fbem-24796	89	19	this	this	DET
fbem-24796	89	20	study	study	NOUN
fbem-24796	89	21	have	have	VERB
fbem-24796	89	22	good	good	ADJ
fbem-24796	89	23	reliability	reliability	NOUN
fbem-24796	89	24	,	,	PUNCT
fbem-24796	89	25	and	and	CCONJ
fbem-24796	89	26	the	the	DET
fbem-24796	89	27	stability	stability	NOUN
fbem-24796	89	28	and	and	CCONJ
fbem-24796	89	29	consistency	consistency	NOUN
fbem-24796	89	30	of	of	ADP
fbem-24796	89	31	the	the	DET
fbem-24796	89	32	questionnaire	questionnaire	NOUN
fbem-24796	89	33	are	be	AUX
fbem-24796	89	34	relatively	relatively	ADV
fbem-24796	89	35	high	high	ADJ
fbem-24796	89	36	.	.	PUNCT
fbem-24796	90	1	in	in	ADP
fbem-24796	90	2	subsequent	subsequent	ADJ
fbem-24796	90	3	analysis	analysis	NOUN
fbem-24796	90	4	,	,	PUNCT
fbem-24796	90	5	reliable	reliable	ADJ
fbem-24796	90	6	results	result	NOUN
fbem-24796	90	7	can	can	AUX
fbem-24796	90	8	be	be	AUX
fbem-24796	90	9	obtained	obtain	VERB
fbem-24796	90	10	based	base	VERB
fbem-24796	90	11	on	on	ADP
fbem-24796	90	12	questionnaire	questionnaire	NOUN
fbem-24796	90	13	data	datum	NOUN
fbem-24796	90	14	.	.	PUNCT
fbem-24796	91	1	3.2.2	3.2.2	NUM
fbem-24796	91	2	.	.	PUNCT
fbem-24796	91	3	validity	validity	NOUN
fbem-24796	91	4	analysis	analysis	NOUN
fbem-24796	91	5	this	this	DET
fbem-24796	91	6	study	study	NOUN
fbem-24796	91	7	used	use	VERB
fbem-24796	91	8	factor	factor	NOUN
fbem-24796	91	9	analysis	analysis	NOUN
fbem-24796	91	10	to	to	PART
fbem-24796	91	11	conduct	conduct	VERB
fbem-24796	91	12	validity	validity	NOUN
fbem-24796	91	13	analysis	analysis	NOUN
fbem-24796	91	14	on	on	ADP
fbem-24796	91	15	the	the	DET
fbem-24796	91	16	questionnaire	questionnaire	NOUN
fbem-24796	91	17	,	,	PUNCT
fbem-24796	91	18	which	which	PRON
fbem-24796	91	19	is	be	AUX
fbem-24796	91	20	an	an	DET
fbem-24796	91	21	analysis	analysis	NOUN
fbem-24796	91	22	of	of	ADP
fbem-24796	91	23	the	the	DET
fbem-24796	91	24	validity	validity	NOUN
fbem-24796	91	25	of	of	ADP
fbem-24796	91	26	the	the	DET
fbem-24796	91	27	collected	collect	VERB
fbem-24796	91	28	data	datum	NOUN
fbem-24796	91	29	and	and	CCONJ
fbem-24796	91	30	can	can	AUX
fbem-24796	91	31	determine	determine	VERB
fbem-24796	91	32	whether	whether	SCONJ
fbem-24796	91	33	the	the	DET
fbem-24796	91	34	questionnaire	questionnaire	NOUN
fbem-24796	91	35	has	have	VERB
fbem-24796	91	36	a	a	DET
fbem-24796	91	37	good	good	ADJ
fbem-24796	91	38	internal	internal	ADJ
fbem-24796	91	39	structure	structure	NOUN
fbem-24796	91	40	.	.	PUNCT
fbem-24796	92	1	if	if	SCONJ
fbem-24796	92	2	the	the	DET
fbem-24796	92	3	scale	scale	NOUN
fbem-24796	92	4	is	be	AUX
fbem-24796	92	5	suitable	suitable	ADJ
fbem-24796	92	6	for	for	ADP
fbem-24796	92	7	factor	factor	NOUN
fbem-24796	92	8	analysis	analysis	NOUN
fbem-24796	92	9	,	,	PUNCT
fbem-24796	92	10	and	and	CCONJ
fbem-24796	92	11	the	the	DET
fbem-24796	92	12	cumulative	cumulative	ADJ
fbem-24796	92	13	equation	equation	NOUN
fbem-24796	92	14	contribution	contribution	NOUN
fbem-24796	92	15	rate	rate	NOUN
fbem-24796	92	16	is	be	AUX
fbem-24796	92	17	greater	great	ADJ
fbem-24796	92	18	than	than	ADP
fbem-24796	92	19	60	60	NUM
fbem-24796	92	20	%	%	NOUN
fbem-24796	92	21	,	,	PUNCT
fbem-24796	92	22	and	and	CCONJ
fbem-24796	92	23	the	the	DET
fbem-24796	92	24	factor	factor	NOUN
fbem-24796	92	25	loadings	loading	NOUN
fbem-24796	92	26	of	of	ADP
fbem-24796	92	27	each	each	DET
fbem-24796	92	28	item	item	NOUN
fbem-24796	92	29	are	be	AUX
fbem-24796	92	30	above	above	ADP
fbem-24796	92	31	0.5	0.5	NUM
fbem-24796	92	32	,	,	PUNCT
fbem-24796	92	33	it	it	PRON
fbem-24796	92	34	can	can	AUX
fbem-24796	92	35	be	be	AUX
fbem-24796	92	36	concluded	conclude	VERB
fbem-24796	92	37	that	that	SCONJ
fbem-24796	92	38	the	the	DET
fbem-24796	92	39	scale	scale	NOUN
fbem-24796	92	40	has	have	VERB
fbem-24796	92	41	good	good	ADJ
fbem-24796	92	42	validity	validity	NOUN
fbem-24796	92	43	.	.	PUNCT
fbem-24796	93	1	before	before	ADP
fbem-24796	93	2	conducting	conduct	VERB
fbem-24796	93	3	factor	factor	NOUN
fbem-24796	93	4	analysis	analysis	NOUN
fbem-24796	93	5	,	,	PUNCT
fbem-24796	93	6	kmo	kmo	PROPN
fbem-24796	93	7	and	and	CCONJ
fbem-24796	93	8	bartlett	bartlett	PROPN
fbem-24796	93	9	sphericity	sphericity	PROPN
fbem-24796	93	10	tests	test	NOUN
fbem-24796	93	11	are	be	AUX
fbem-24796	93	12	required	require	VERB
fbem-24796	93	13	to	to	PART
fbem-24796	93	14	determine	determine	VERB
fbem-24796	93	15	whether	whether	SCONJ
fbem-24796	93	16	the	the	DET
fbem-24796	93	17	conditions	condition	NOUN
fbem-24796	93	18	for	for	ADP
fbem-24796	93	19	conducting	conduct	VERB
fbem-24796	93	20	factor	factor	NOUN
fbem-24796	93	21	analysis	analysis	NOUN
fbem-24796	93	22	are	be	AUX
fbem-24796	93	23	met	meet	VERB
fbem-24796	93	24	.	.	PUNCT
fbem-24796	94	1	for	for	ADP
fbem-24796	94	2	the	the	DET
fbem-24796	94	3	kmo	kmo	PROPN
fbem-24796	94	4	test	test	NOUN
fbem-24796	94	5	,	,	PUNCT
fbem-24796	94	6	if	if	SCONJ
fbem-24796	94	7	the	the	DET
fbem-24796	94	8	value	value	NOUN
fbem-24796	94	9	of	of	ADP
fbem-24796	94	10	kmo	kmo	PROPN
fbem-24796	94	11	is	be	AUX
fbem-24796	94	12	greater	great	ADJ
fbem-24796	94	13	than	than	ADP
fbem-24796	94	14	0.6	0.6	NUM
fbem-24796	94	15	,	,	PUNCT
fbem-24796	94	16	it	it	PRON
fbem-24796	94	17	indicates	indicate	VERB
fbem-24796	94	18	that	that	SCONJ
fbem-24796	94	19	the	the	DET
fbem-24796	94	20	scale	scale	NOUN
fbem-24796	94	21	values	value	NOUN
fbem-24796	94	22	are	be	AUX
fbem-24796	94	23	suitable	suitable	ADJ
fbem-24796	94	24	for	for	ADP
fbem-24796	94	25	factor	factor	NOUN
fbem-24796	94	26	analysis	analysis	NOUN
fbem-24796	94	27	;	;	PUNCT
fbem-24796	94	28	if	if	SCONJ
fbem-24796	94	29	the	the	DET
fbem-24796	94	30	kmo	kmo	NOUN
fbem-24796	94	31	value	value	NOUN
fbem-24796	94	32	is	be	AUX
fbem-24796	94	33	less	less	ADJ
fbem-24796	94	34	than	than	ADP
fbem-24796	94	35	0.5	0.5	NUM
fbem-24796	94	36	,	,	PUNCT
fbem-24796	94	37	it	it	PRON
fbem-24796	94	38	indicates	indicate	VERB
fbem-24796	94	39	that	that	SCONJ
fbem-24796	94	40	the	the	DET
fbem-24796	94	41	scale	scale	NOUN
fbem-24796	94	42	data	data	NOUN
fbem-24796	94	43	is	be	AUX
fbem-24796	94	44	not	not	PART
fbem-24796	94	45	suitable	suitable	ADJ
fbem-24796	94	46	for	for	ADP
fbem-24796	94	47	factor	factor	NOUN
fbem-24796	94	48	analysis	analysis	NOUN
fbem-24796	94	49	.	.	PUNCT
fbem-24796	95	1	next	next	ADJ
fbem-24796	95	2	,	,	PUNCT
fbem-24796	95	3	principal	principal	ADJ
fbem-24796	95	4	component	component	NOUN
fbem-24796	95	5	analysis	analysis	NOUN
fbem-24796	95	6	and	and	CCONJ
fbem-24796	95	7	maximum	maximum	ADJ
fbem-24796	95	8	variance	variance	NOUN
fbem-24796	95	9	method	method	NOUN
fbem-24796	95	10	will	will	AUX
fbem-24796	95	11	be	be	AUX
fbem-24796	95	12	used	use	VERB
fbem-24796	95	13	for	for	ADP
fbem-24796	95	14	orthogonal	orthogonal	ADJ
fbem-24796	95	15	rotation	rotation	NOUN
fbem-24796	95	16	to	to	PART
fbem-24796	95	17	further	far	ADV
fbem-24796	95	18	validate	validate	VERB
fbem-24796	95	19	the	the	DET
fbem-24796	95	20	validity	validity	NOUN
fbem-24796	95	21	of	of	ADP
fbem-24796	95	22	the	the	DET
fbem-24796	95	23	virtual	virtual	ADJ
fbem-24796	95	24	payment	payment	NOUN
fbem-24796	95	25	scale	scale	NOUN
fbem-24796	95	26	and	and	CCONJ
fbem-24796	95	27	consumer	consumer	NOUN
fbem-24796	95	28	behavior	behavior	NOUN
fbem-24796	95	29	scale	scale	NOUN
fbem-24796	95	30	.	.	PUNCT
fbem-24796	96	1	table	table	NOUN
fbem-24796	96	2	2	2	NUM
fbem-24796	96	3	shows	show	VERB
fbem-24796	96	4	the	the	DET
fbem-24796	96	5	rotation	rotation	NOUN
fbem-24796	96	6	factor	factor	NOUN
fbem-24796	96	7	loadings	loading	NOUN
fbem-24796	96	8	,	,	PUNCT
fbem-24796	96	9	eigenvalues	eigenvalue	NOUN
fbem-24796	96	10	,	,	PUNCT
fbem-24796	96	11	variance	variance	NOUN
fbem-24796	96	12	contribution	contribution	NOUN
fbem-24796	96	13	rates	rate	NOUN
fbem-24796	96	14	,	,	PUNCT
fbem-24796	96	15	and	and	CCONJ
fbem-24796	96	16	cumulative	cumulative	ADJ
fbem-24796	96	17	variance	variance	NOUN
fbem-24796	96	18	contribution	contribution	NOUN
fbem-24796	96	19	rates	rate	NOUN
fbem-24796	96	20	of	of	ADP
fbem-24796	96	21	each	each	DET
fbem-24796	96	22	item	item	NOUN
fbem-24796	96	23	in	in	ADP
fbem-24796	96	24	the	the	DET
fbem-24796	96	25	virtual	virtual	ADJ
fbem-24796	96	26	payment	payment	NOUN
fbem-24796	96	27	factor	factor	NOUN
fbem-24796	96	28	.	.	PUNCT
fbem-24796	97	1	according	accord	VERB
fbem-24796	97	2	to	to	ADP
fbem-24796	97	3	the	the	DET
fbem-24796	97	4	table	table	NOUN
fbem-24796	97	5	,	,	PUNCT
fbem-24796	97	6	three	three	NUM
fbem-24796	97	7	common	common	ADJ
fbem-24796	97	8	factors	factor	NOUN
fbem-24796	97	9	with	with	ADP
fbem-24796	97	10	eigenvalues	eigenvalue	NOUN
fbem-24796	97	11	greater	great	ADJ
fbem-24796	97	12	than	than	ADP
fbem-24796	97	13	1	1	NUM
fbem-24796	97	14	were	be	AUX
fbem-24796	97	15	extracted	extract	VERB
fbem-24796	97	16	from	from	ADP
fbem-24796	97	17	the	the	DET
fbem-24796	97	18	15	15	NUM
fbem-24796	97	19	items	item	NOUN
fbem-24796	97	20	of	of	ADP
fbem-24796	97	21	the	the	DET
fbem-24796	97	22	virtual	virtual	ADJ
fbem-24796	97	23	payment	payment	NOUN
fbem-24796	97	24	scale	scale	NOUN
fbem-24796	97	25	,	,	PUNCT
fbem-24796	97	26	with	with	ADP
fbem-24796	97	27	eigenvalues	eigenvalue	NOUN
fbem-24796	97	28	of	of	ADP
fbem-24796	97	29	5.093	5.093	NUM
fbem-24796	97	30	,	,	PUNCT
fbem-24796	97	31	3.889	3.889	NUM
fbem-24796	97	32	,	,	PUNCT
fbem-24796	97	33	and	and	CCONJ
fbem-24796	97	34	2.491	2.491	NUM
fbem-24796	97	35	,	,	PUNCT
fbem-24796	97	36	and	and	CCONJ
fbem-24796	97	37	variance	variance	NOUN
fbem-24796	97	38	contribution	contribution	NOUN
fbem-24796	97	39	rates	rate	NOUN
fbem-24796	97	40	of	of	ADP
fbem-24796	97	41	33.953	33.953	NUM
fbem-24796	97	42	%	%	NOUN
fbem-24796	97	43	,	,	PUNCT
fbem-24796	97	44	25.927	25.927	NUM
fbem-24796	97	45	%	%	NOUN
fbem-24796	97	46	,	,	PUNCT
fbem-24796	97	47	and	and	CCONJ
fbem-24796	97	48	16.604	16.604	NUM
fbem-24796	97	49	%	%	NOUN
fbem-24796	97	50	,	,	PUNCT
fbem-24796	97	51	respectively	respectively	ADV
fbem-24796	97	52	.	.	PUNCT
fbem-24796	98	1	the	the	DET
fbem-24796	98	2	cumulative	cumulative	ADJ
fbem-24796	98	3	453	453	NUM
fbem-24796	98	4	variance	variance	NOUN
fbem-24796	98	5	contribution	contribution	NOUN
fbem-24796	98	6	rate	rate	NOUN
fbem-24796	98	7	reached	reach	VERB
fbem-24796	98	8	76.484	76.484	NUM
fbem-24796	98	9	%	%	NOUN
fbem-24796	98	10	.	.	PUNCT
fbem-24796	99	1	therefore	therefore	ADV
fbem-24796	99	2	,	,	PUNCT
fbem-24796	99	3	the	the	DET
fbem-24796	99	4	three	three	NUM
fbem-24796	99	5	extracted	extract	VERB
fbem-24796	99	6	factors	factor	NOUN
fbem-24796	99	7	can	can	AUX
fbem-24796	99	8	explain	explain	VERB
fbem-24796	99	9	76.484	76.484	NUM
fbem-24796	99	10	%	%	NOUN
fbem-24796	99	11	of	of	ADP
fbem-24796	99	12	the	the	DET
fbem-24796	99	13	overall	overall	ADJ
fbem-24796	99	14	information	information	NOUN
fbem-24796	99	15	content	content	NOUN
fbem-24796	99	16	of	of	ADP
fbem-24796	99	17	the	the	DET
fbem-24796	99	18	scale	scale	NOUN
fbem-24796	99	19	,	,	PUNCT
fbem-24796	99	20	which	which	PRON
fbem-24796	99	21	is	be	AUX
fbem-24796	99	22	greater	great	ADJ
fbem-24796	99	23	than	than	ADP
fbem-24796	99	24	the	the	DET
fbem-24796	99	25	60	60	NUM
fbem-24796	99	26	%	%	NOUN
fbem-24796	99	27	standard	standard	NOUN
fbem-24796	99	28	.	.	PUNCT
fbem-24796	100	1	the	the	DET
fbem-24796	100	2	three	three	NUM
fbem-24796	100	3	factors	factor	NOUN
fbem-24796	100	4	extracted	extract	VERB
fbem-24796	100	5	from	from	ADP
fbem-24796	100	6	15	15	NUM
fbem-24796	100	7	items	item	NOUN
fbem-24796	100	8	are	be	AUX
fbem-24796	100	9	convenience	convenience	NOUN
fbem-24796	100	10	factor	factor	NOUN
fbem-24796	100	11	,	,	PUNCT
fbem-24796	100	12	safety	safety	NOUN
fbem-24796	100	13	factor	factor	NOUN
fbem-24796	100	14	,	,	PUNCT
fbem-24796	100	15	and	and	CCONJ
fbem-24796	100	16	integration	integration	NOUN
fbem-24796	100	17	factor	factor	NOUN
fbem-24796	100	18	,	,	PUNCT
fbem-24796	100	19	including	include	VERB
fbem-24796	100	20	6	6	NUM
fbem-24796	100	21	,	,	PUNCT
fbem-24796	100	22	5	5	NUM
fbem-24796	100	23	,	,	PUNCT
fbem-24796	100	24	and	and	CCONJ
fbem-24796	100	25	4	4	NUM
fbem-24796	100	26	items	item	NOUN
fbem-24796	100	27	,	,	PUNCT
fbem-24796	100	28	respectively	respectively	ADV
fbem-24796	100	29	.	.	PUNCT
fbem-24796	101	1	for	for	ADP
fbem-24796	101	2	15	15	NUM
fbem-24796	101	3	items	item	NOUN
fbem-24796	101	4	,	,	PUNCT
fbem-24796	101	5	the	the	DET
fbem-24796	101	6	minimum	minimum	ADJ
fbem-24796	101	7	factor	factor	NOUN
fbem-24796	101	8	load	load	NOUN
fbem-24796	101	9	after	after	ADP
fbem-24796	101	10	rotation	rotation	NOUN
fbem-24796	101	11	is	be	AUX
fbem-24796	101	12	0.746	0.746	NUM
fbem-24796	101	13	,	,	PUNCT
fbem-24796	101	14	which	which	PRON
fbem-24796	101	15	is	be	AUX
fbem-24796	101	16	greater	great	ADJ
fbem-24796	101	17	than	than	ADP
fbem-24796	101	18	0.5	0.5	NUM
fbem-24796	101	19	,	,	PUNCT
fbem-24796	101	20	and	and	CCONJ
fbem-24796	101	21	the	the	DET
fbem-24796	101	22	obtained	obtain	VERB
fbem-24796	101	23	factor	factor	NOUN
fbem-24796	101	24	is	be	AUX
fbem-24796	101	25	consistent	consistent	ADJ
fbem-24796	101	26	with	with	ADP
fbem-24796	101	27	the	the	DET
fbem-24796	101	28	design	design	NOUN
fbem-24796	101	29	.	.	PUNCT
fbem-24796	102	1	in	in	ADP
fbem-24796	102	2	summary	summary	NOUN
fbem-24796	102	3	,	,	PUNCT
fbem-24796	102	4	the	the	DET
fbem-24796	102	5	validity	validity	NOUN
fbem-24796	102	6	of	of	ADP
fbem-24796	102	7	the	the	DET
fbem-24796	102	8	virtual	virtual	ADJ
fbem-24796	102	9	payment	payment	NOUN
fbem-24796	102	10	scale	scale	NOUN
fbem-24796	102	11	is	be	AUX
fbem-24796	102	12	good	good	ADJ
fbem-24796	102	13	.	.	PUNCT
fbem-24796	103	1	table	table	NOUN
fbem-24796	103	2	2	2	NUM
fbem-24796	103	3	.	.	PUNCT
fbem-24796	103	4	results	result	NOUN
fbem-24796	103	5	of	of	ADP
fbem-24796	103	6	virtual	virtual	ADJ
fbem-24796	103	7	payment	payment	NOUN
fbem-24796	103	8	factor	factor	NOUN
fbem-24796	103	9	analysis	analysis	NOUN
fbem-24796	103	10	quest	quest	NOUN
fbem-24796	103	11	ion	ion	NOUN
fbem-24796	103	12	items	item	NOUN
fbem-24796	103	13	factor	factor	NOUN
fbem-24796	103	14	load	load	NOUN
fbem-24796	103	15	after	after	ADP
fbem-24796	103	16	rotation	rotation	NOUN
fbem-24796	103	17	eigen	eigen	PROPN
fbem-24796	103	18	values	value	NOUN
fbem-24796	103	19	variance	variance	NOUN
fbem-24796	103	20	contributi	contributi	PROPN
fbem-24796	103	21	on	on	ADP
fbem-24796	103	22	rate%	rate%	PUNCT
fbem-24796	103	23	cumulative	cumulative	ADJ
fbem-24796	103	24	variance	variance	NOUN
fbem-24796	103	25	contribution	contribution	NOUN
fbem-24796	103	26	rate%	rate%	VERB
fbem-24796	103	27	conv	conv	PROPN
fbem-24796	103	28	enien	enien	PROPN
fbem-24796	103	29	ce	ce	PROPN
fbem-24796	103	30	c1	c1	PROPN
fbem-24796	103	31	0.857	0.857	NUM
fbem-24796	103	32	c2	c2	PROPN
fbem-24796	103	33	0.823	0.823	NUM
fbem-24796	103	34	c3	c3	PROPN
fbem-24796	103	35	0.841	0.841	NUM
fbem-24796	103	36	5.093	5.093	NUM
fbem-24796	103	37	33.953	33.953	NUM
fbem-24796	103	38	33.953	33.953	NUM
fbem-24796	103	39	c4	c4	NOUN
fbem-24796	103	40	0.803	0.803	NUM
fbem-24796	103	41	c5	c5	PROPN
fbem-24796	103	42	0.870	0.870	NUM
fbem-24796	103	43	c6	c6	PROPN
fbem-24796	103	44	0.876	0.876	NUM
fbem-24796	103	45	secur	secur	NOUN
fbem-24796	103	46	ity	ity	PROPN
fbem-24796	103	47	c7	c7	PROPN
fbem-24796	103	48	0.869	0.869	NUM
fbem-24796	103	49	c8	c8	PROPN
fbem-24796	103	50	0.910	0.910	NUM
fbem-24796	103	51	c9	c9	NOUN
fbem-24796	103	52	0.931	0.931	NUM
fbem-24796	103	53	3.889	3.889	NUM
fbem-24796	103	54	25.927	25.927	NUM
fbem-24796	103	55	59.881	59.881	NUM
fbem-24796	103	56	c10	c10	VERB
fbem-24796	103	57	0.850	0.850	NUM
fbem-24796	103	58	integr	integr	NOUN
fbem-24796	103	59	ation	ation	PROPN
fbem-24796	103	60	c11	c11	PROPN
fbem-24796	103	61	0.885	0.885	NUM
fbem-24796	103	62	c12	c12	PROPN
fbem-24796	103	63	0.746	0.746	NUM
fbem-24796	103	64	c13	c13	PROPN
fbem-24796	103	65	0.754	0.754	NUM
fbem-24796	103	66	2.491	2.491	NUM
fbem-24796	103	67	16.604	16.604	NUM
fbem-24796	103	68	76.484	76.484	NUM
fbem-24796	103	69	c14	c14	NOUN
fbem-24796	103	70	0.790	0.790	NUM
fbem-24796	103	71	c15	c15	NOUN
fbem-24796	103	72	0.791	0.791	NUM
fbem-24796	103	73	3.3	3.3	NUM
fbem-24796	103	74	.	.	PUNCT
fbem-24796	104	1	a	a	DET
fbem-24796	104	2	descriptive	descriptive	ADJ
fbem-24796	104	3	analysis	analysis	NOUN
fbem-24796	104	4	of	of	ADP
fbem-24796	104	5	the	the	DET
fbem-24796	104	6	impact	impact	NOUN
fbem-24796	104	7	of	of	ADP
fbem-24796	104	8	virtual	virtual	ADJ
fbem-24796	104	9	payment	payment	NOUN
fbem-24796	104	10	on	on	ADP
fbem-24796	104	11	the	the	DET
fbem-24796	104	12	consumption	consumption	NOUN
fbem-24796	104	13	behavior	behavior	NOUN
fbem-24796	104	14	of	of	ADP
fbem-24796	104	15	college	college	NOUN
fbem-24796	104	16	students	student	NOUN
fbem-24796	104	17	3.3.1	3.3.1	NUM
fbem-24796	104	18	.	.	PUNCT
fbem-24796	104	19	description	description	NOUN
fbem-24796	104	20	and	and	CCONJ
fbem-24796	104	21	analysis	analysis	NOUN
fbem-24796	104	22	of	of	ADP
fbem-24796	104	23	virtual	virtual	ADJ
fbem-24796	104	24	payment	payment	NOUN
fbem-24796	104	25	usage	usage	NOUN
fbem-24796	104	26	among	among	ADP
fbem-24796	104	27	guangdong	guangdong	PROPN
fbem-24796	104	28	college	college	NOUN
fbem-24796	104	29	students	student	NOUN
fbem-24796	104	30	in	in	ADP
fbem-24796	104	31	the	the	DET
fbem-24796	104	32	era	era	NOUN
fbem-24796	104	33	of	of	ADP
fbem-24796	104	34	widespread	widespread	ADJ
fbem-24796	104	35	virtual	virtual	ADJ
fbem-24796	104	36	payments	payment	NOUN
fbem-24796	104	37	,	,	PUNCT
fbem-24796	104	38	the	the	DET
fbem-24796	104	39	probability	probability	NOUN
fbem-24796	104	40	of	of	ADP
fbem-24796	104	41	college	college	NOUN
fbem-24796	104	42	students	student	NOUN
fbem-24796	104	43	using	use	VERB
fbem-24796	104	44	virtual	virtual	ADJ
fbem-24796	104	45	payments	payment	NOUN
fbem-24796	104	46	is	be	AUX
fbem-24796	104	47	relatively	relatively	ADV
fbem-24796	104	48	high	high	ADJ
fbem-24796	104	49	.	.	PUNCT
fbem-24796	105	1	out	out	ADP
fbem-24796	105	2	of	of	ADP
fbem-24796	105	3	319	319	NUM
fbem-24796	105	4	respondents	respondent	NOUN
fbem-24796	105	5	,	,	PUNCT
fbem-24796	105	6	only	only	ADV
fbem-24796	105	7	57	57	NUM
fbem-24796	105	8	did	do	AUX
fbem-24796	105	9	not	not	PART
fbem-24796	105	10	use	use	VERB
fbem-24796	105	11	virtual	virtual	ADJ
fbem-24796	105	12	payments	payment	NOUN
fbem-24796	105	13	,	,	PUNCT
fbem-24796	105	14	indicating	indicate	VERB
fbem-24796	105	15	that	that	SCONJ
fbem-24796	105	16	college	college	NOUN
fbem-24796	105	17	students	student	NOUN
fbem-24796	105	18	are	be	AUX
fbem-24796	105	19	the	the	DET
fbem-24796	105	20	mainstream	mainstream	NOUN
fbem-24796	105	21	group	group	NOUN
fbem-24796	105	22	using	use	VERB
fbem-24796	105	23	virtual	virtual	ADJ
fbem-24796	105	24	payments	payment	NOUN
fbem-24796	105	25	.	.	PUNCT
fbem-24796	106	1	therefore	therefore	ADV
fbem-24796	106	2	,	,	PUNCT
fbem-24796	106	3	the	the	DET
fbem-24796	106	4	following	follow	VERB
fbem-24796	106	5	analysis	analysis	NOUN
fbem-24796	106	6	will	will	AUX
fbem-24796	106	7	focus	focus	VERB
fbem-24796	106	8	on	on	ADP
fbem-24796	106	9	the	the	DET
fbem-24796	106	10	usage	usage	NOUN
fbem-24796	106	11	of	of	ADP
fbem-24796	106	12	virtual	virtual	ADJ
fbem-24796	106	13	payments	payment	NOUN
fbem-24796	106	14	by	by	ADP
fbem-24796	106	15	college	college	NOUN
fbem-24796	106	16	students	student	NOUN
fbem-24796	106	17	.	.	PUNCT
fbem-24796	107	1	(	(	PUNCT
fbem-24796	107	2	1	1	X
fbem-24796	107	3	)	)	PUNCT
fbem-24796	107	4	types	type	NOUN
fbem-24796	107	5	of	of	ADP
fbem-24796	107	6	virtual	virtual	ADJ
fbem-24796	107	7	payments	payment	NOUN
fbem-24796	107	8	used	use	VERB
fbem-24796	107	9	by	by	ADP
fbem-24796	107	10	college	college	NOUN
fbem-24796	107	11	students	student	NOUN
fbem-24796	107	12	with	with	ADP
fbem-24796	107	13	the	the	DET
fbem-24796	107	14	continuous	continuous	ADJ
fbem-24796	107	15	development	development	NOUN
fbem-24796	107	16	of	of	ADP
fbem-24796	107	17	technology	technology	NOUN
fbem-24796	107	18	and	and	CCONJ
fbem-24796	107	19	the	the	DET
fbem-24796	107	20	popularity	popularity	NOUN
fbem-24796	107	21	of	of	ADP
fbem-24796	107	22	virtual	virtual	ADJ
fbem-24796	107	23	payment	payment	NOUN
fbem-24796	107	24	,	,	PUNCT
fbem-24796	107	25	there	there	PRON
fbem-24796	107	26	are	be	VERB
fbem-24796	107	27	more	more	ADJ
fbem-24796	107	28	and	and	CCONJ
fbem-24796	107	29	more	more	ADJ
fbem-24796	107	30	types	type	NOUN
fbem-24796	107	31	of	of	ADP
fbem-24796	107	32	third	third	ADJ
fbem-24796	107	33	-	-	PUNCT
fbem-24796	107	34	party	party	NOUN
fbem-24796	107	35	payment	payment	NOUN
fbem-24796	107	36	platforms	platform	NOUN
fbem-24796	107	37	,	,	PUNCT
fbem-24796	107	38	such	such	ADJ
fbem-24796	107	39	as	as	ADP
fbem-24796	107	40	alipay	alipay	PROPN
fbem-24796	107	41	,	,	PUNCT
fbem-24796	107	42	wechat	wechat	NOUN
fbem-24796	107	43	payment	payment	NOUN
fbem-24796	107	44	,	,	PUNCT
fbem-24796	107	45	apple	apple	NOUN
fbem-24796	107	46	payment	payment	NOUN
fbem-24796	107	47	,	,	PUNCT
fbem-24796	107	48	baidu	baidu	NOUN
fbem-24796	107	49	wallet	wallet	NOUN
fbem-24796	107	50	,	,	PUNCT
fbem-24796	107	51	qq	qq	X
fbem-24796	107	52	wallet	wallet	NOUN
fbem-24796	107	53	,	,	PUNCT
fbem-24796	107	54	jd	jd	ADP
fbem-24796	107	55	wallet	wallet	NOUN
fbem-24796	107	56	,	,	PUNCT
fbem-24796	107	57	cloud	cloud	NOUN
fbem-24796	107	58	flash	flash	NOUN
fbem-24796	107	59	payment	payment	NOUN
fbem-24796	107	60	,	,	PUNCT
fbem-24796	107	61	etc	etc	X
fbem-24796	107	62	.	.	X
fbem-24796	107	63	as	as	SCONJ
fbem-24796	107	64	shown	show	VERB
fbem-24796	107	65	in	in	ADP
fbem-24796	107	66	figure	figure	NOUN
fbem-24796	107	67	5	5	NUM
fbem-24796	107	68	,	,	PUNCT
fbem-24796	107	69	among	among	ADP
fbem-24796	107	70	many	many	ADJ
fbem-24796	107	71	third	third	ADJ
fbem-24796	107	72	-	-	PUNCT
fbem-24796	107	73	party	party	NOUN
fbem-24796	107	74	payment	payment	NOUN
fbem-24796	107	75	platforms	platform	NOUN
fbem-24796	107	76	,	,	PUNCT
fbem-24796	107	77	alipay	alipay	PROPN
fbem-24796	107	78	and	and	CCONJ
fbem-24796	107	79	wechat	wechat	PRON
fbem-24796	107	80	payment	payment	NOUN
fbem-24796	107	81	are	be	AUX
fbem-24796	107	82	the	the	DET
fbem-24796	107	83	two	two	NUM
fbem-24796	107	84	most	most	ADV
fbem-24796	107	85	popular	popular	ADJ
fbem-24796	107	86	virtual	virtual	ADJ
fbem-24796	107	87	payment	payment	NOUN
fbem-24796	107	88	platforms	platform	NOUN
fbem-24796	107	89	.	.	PUNCT
fbem-24796	108	1	of	of	ADP
fbem-24796	108	2	all	all	DET
fbem-24796	108	3	the	the	DET
fbem-24796	108	4	respondents	respondent	NOUN
fbem-24796	108	5	,	,	PUNCT
fbem-24796	108	6	87.80	87.80	NUM
fbem-24796	108	7	%	%	NOUN
fbem-24796	108	8	and	and	CCONJ
fbem-24796	108	9	95.90	95.90	NUM
fbem-24796	108	10	%	%	NOUN
fbem-24796	108	11	respectively	respectively	ADV
fbem-24796	108	12	used	use	VERB
fbem-24796	108	13	alipay	alipay	PROPN
fbem-24796	108	14	and	and	CCONJ
fbem-24796	108	15	wechat	wechat	NOUN
fbem-24796	108	16	payment	payment	NOUN
fbem-24796	108	17	,	,	PUNCT
fbem-24796	108	18	indicating	indicate	VERB
fbem-24796	108	19	that	that	SCONJ
fbem-24796	108	20	alipay	alipay	PROPN
fbem-24796	108	21	and	and	CCONJ
fbem-24796	108	22	wechat	wechat	PRON
fbem-24796	108	23	payment	payment	NOUN
fbem-24796	108	24	have	have	VERB
fbem-24796	108	25	similar	similar	ADJ
fbem-24796	108	26	roles	role	NOUN
fbem-24796	108	27	in	in	ADP
fbem-24796	108	28	virtual	virtual	ADJ
fbem-24796	108	29	payment	payment	NOUN
fbem-24796	108	30	.	.	PUNCT
fbem-24796	109	1	in	in	ADP
fbem-24796	109	2	contrast	contrast	NOUN
fbem-24796	109	3	,	,	PUNCT
fbem-24796	109	4	cloud	cloud	ADJ
fbem-24796	109	5	flash	flash	NOUN
fbem-24796	109	6	pay	pay	NOUN
fbem-24796	109	7	ranks	rank	VERB
fbem-24796	109	8	third	third	ADV
fbem-24796	109	9	with	with	ADP
fbem-24796	109	10	a	a	DET
fbem-24796	109	11	user	user	NOUN
fbem-24796	109	12	base	base	NOUN
fbem-24796	109	13	of	of	ADP
fbem-24796	109	14	14.70	14.70	NUM
fbem-24796	109	15	%	%	NOUN
fbem-24796	109	16	.	.	PUNCT
fbem-24796	110	1	the	the	DET
fbem-24796	110	2	proportion	proportion	NOUN
fbem-24796	110	3	of	of	ADP
fbem-24796	110	4	users	user	NOUN
fbem-24796	110	5	using	use	VERB
fbem-24796	110	6	apple	apple	NOUN
fbem-24796	110	7	pay	pay	NOUN
fbem-24796	110	8	and	and	CCONJ
fbem-24796	110	9	other	other	ADJ
fbem-24796	110	10	payment	payment	NOUN
fbem-24796	110	11	methods	method	NOUN
fbem-24796	110	12	is	be	AUX
fbem-24796	110	13	11.90	11.90	NUM
fbem-24796	110	14	%	%	NOUN
fbem-24796	110	15	and	and	CCONJ
fbem-24796	110	16	7.50	7.50	NUM
fbem-24796	110	17	%	%	NOUN
fbem-24796	110	18	,	,	PUNCT
fbem-24796	110	19	respectively	respectively	ADV
fbem-24796	110	20	,	,	PUNCT
fbem-24796	110	21	while	while	SCONJ
fbem-24796	110	22	the	the	DET
fbem-24796	110	23	number	number	NOUN
fbem-24796	110	24	of	of	ADP
fbem-24796	110	25	users	user	NOUN
fbem-24796	110	26	using	use	VERB
fbem-24796	110	27	jd	jd	ADP
fbem-24796	110	28	wallet	wallet	NOUN
fbem-24796	110	29	,	,	PUNCT
fbem-24796	110	30	qq	qq	ADJ
fbem-24796	110	31	wallet	wallet	NOUN
fbem-24796	110	32	,	,	PUNCT
fbem-24796	110	33	and	and	CCONJ
fbem-24796	110	34	baidu	baidu	NOUN
fbem-24796	110	35	wallet	wallet	NOUN
fbem-24796	110	36	is	be	AUX
fbem-24796	110	37	relatively	relatively	ADV
fbem-24796	110	38	small	small	ADJ
fbem-24796	110	39	,	,	PUNCT
fbem-24796	110	40	accounting	account	VERB
fbem-24796	110	41	for	for	ADP
fbem-24796	110	42	3.40	3.40	NUM
fbem-24796	110	43	%	%	NOUN
fbem-24796	110	44	,	,	PUNCT
fbem-24796	110	45	2.20	2.20	NUM
fbem-24796	110	46	%	%	NOUN
fbem-24796	110	47	,	,	PUNCT
fbem-24796	110	48	and	and	CCONJ
fbem-24796	110	49	0.63	0.63	NUM
fbem-24796	110	50	%	%	NOUN
fbem-24796	110	51	,	,	PUNCT
fbem-24796	110	52	respectively	respectively	ADV
fbem-24796	110	53	.	.	PUNCT
fbem-24796	111	1	figure	figure	NOUN
fbem-24796	111	2	5	5	NUM
fbem-24796	111	3	.	.	PUNCT
fbem-24796	111	4	types	type	NOUN
fbem-24796	111	5	of	of	ADP
fbem-24796	111	6	virtual	virtual	ADJ
fbem-24796	111	7	payments	payment	NOUN
fbem-24796	111	8	used	use	VERB
fbem-24796	111	9	by	by	ADP
fbem-24796	111	10	college	college	NOUN
fbem-24796	111	11	students	student	NOUN
fbem-24796	111	12	in	in	ADP
fbem-24796	111	13	guangdong	guangdong	PROPN
fbem-24796	111	14	province	province	PROPN
fbem-24796	111	15	(	(	PUNCT
fbem-24796	111	16	2	2	NUM
fbem-24796	111	17	)	)	PUNCT
fbem-24796	111	18	the	the	DET
fbem-24796	111	19	highest	high	ADJ
fbem-24796	111	20	amount	amount	NOUN
fbem-24796	111	21	of	of	ADP
fbem-24796	111	22	virtual	virtual	ADJ
fbem-24796	111	23	payment	payment	NOUN
fbem-24796	111	24	consumption	consumption	NOUN
fbem-24796	111	25	by	by	ADP
fbem-24796	111	26	guangdong	guangdong	PROPN
fbem-24796	111	27	university	university	PROPN
fbem-24796	111	28	students	student	VERB
fbem-24796	111	29	the	the	DET
fbem-24796	111	30	monthly	monthly	ADJ
fbem-24796	111	31	average	average	ADJ
fbem-24796	111	32	consumption	consumption	NOUN
fbem-24796	111	33	distribution	distribution	NOUN
fbem-24796	111	34	of	of	ADP
fbem-24796	111	35	the	the	DET
fbem-24796	111	36	respondents	respondent	NOUN
fbem-24796	111	37	is	be	AUX
fbem-24796	111	38	shown	show	VERB
fbem-24796	111	39	in	in	ADP
fbem-24796	111	40	figure	figure	NOUN
fbem-24796	111	41	6	6	NUM
fbem-24796	111	42	.	.	PUNCT
fbem-24796	112	1	among	among	ADP
fbem-24796	112	2	all	all	DET
fbem-24796	112	3	the	the	DET
fbem-24796	112	4	respondents	respondent	NOUN
fbem-24796	112	5	,	,	PUNCT
fbem-24796	112	6	the	the	DET
fbem-24796	112	7	number	number	NOUN
fbem-24796	112	8	of	of	ADP
fbem-24796	112	9	people	people	NOUN
fbem-24796	112	10	with	with	ADP
fbem-24796	112	11	a	a	DET
fbem-24796	112	12	monthly	monthly	ADJ
fbem-24796	112	13	consumption	consumption	NOUN
fbem-24796	112	14	level	level	NOUN
fbem-24796	112	15	of	of	ADP
fbem-24796	112	16	1501	1501	NUM
fbem-24796	112	17	-	-	SYM
fbem-24796	112	18	2000	2000	NUM
fbem-24796	112	19	yuan	yuan	NOUN
fbem-24796	112	20	is	be	AUX
fbem-24796	112	21	the	the	DET
fbem-24796	112	22	highest	high	ADJ
fbem-24796	112	23	,	,	PUNCT
fbem-24796	112	24	accounting	account	VERB
fbem-24796	112	25	for	for	ADP
fbem-24796	112	26	32.90	32.90	NUM
fbem-24796	112	27	%	%	NOUN
fbem-24796	112	28	of	of	ADP
fbem-24796	112	29	the	the	DET
fbem-24796	112	30	total	total	ADJ
fbem-24796	112	31	number	number	NOUN
fbem-24796	112	32	of	of	ADP
fbem-24796	112	33	people	people	NOUN
fbem-24796	112	34	;	;	PUNCT
fbem-24796	112	35	next	next	ADV
fbem-24796	112	36	is	be	AUX
fbem-24796	112	37	601	601	NUM
fbem-24796	112	38	-	-	SYM
fbem-24796	112	39	1500	1500	NUM
fbem-24796	112	40	yuan	yuan	NOUN
fbem-24796	112	41	,	,	PUNCT
fbem-24796	112	42	accounting	account	VERB
fbem-24796	112	43	for	for	ADP
fbem-24796	112	44	24.10	24.10	NUM
fbem-24796	112	45	%	%	NOUN
fbem-24796	112	46	of	of	ADP
fbem-24796	112	47	the	the	DET
fbem-24796	112	48	total	total	ADJ
fbem-24796	112	49	number	number	NOUN
fbem-24796	112	50	of	of	ADP
fbem-24796	112	51	people	people	NOUN
fbem-24796	112	52	;	;	PUNCT
fbem-24796	112	53	64	64	NUM
fbem-24796	112	54	people	people	NOUN
fbem-24796	112	55	,	,	PUNCT
fbem-24796	112	56	accounting	account	VERB
fbem-24796	112	57	for	for	ADP
fbem-24796	112	58	20.10	20.10	NUM
fbem-24796	112	59	%	%	NOUN
fbem-24796	112	60	of	of	ADP
fbem-24796	112	61	the	the	DET
fbem-24796	112	62	total	total	NOUN
fbem-24796	112	63	,	,	PUNCT
fbem-24796	112	64	have	have	VERB
fbem-24796	112	65	an	an	DET
fbem-24796	112	66	average	average	ADJ
fbem-24796	112	67	monthly	monthly	ADJ
fbem-24796	112	68	consumption	consumption	NOUN
fbem-24796	112	69	of	of	ADP
fbem-24796	112	70	2001	2001	NUM
fbem-24796	112	71	-	-	SYM
fbem-24796	112	72	3000	3000	NUM
fbem-24796	112	73	yuan	yuan	NOUN
fbem-24796	112	74	;	;	PUNCT
fbem-24796	112	75	the	the	DET
fbem-24796	112	76	number	number	NOUN
fbem-24796	112	77	of	of	ADP
fbem-24796	112	78	people	people	NOUN
fbem-24796	112	79	who	who	PRON
fbem-24796	112	80	spend	spend	VERB
fbem-24796	112	81	an	an	DET
fbem-24796	112	82	average	average	NOUN
fbem-24796	112	83	of	of	ADP
fbem-24796	112	84	3001	3001	NUM
fbem-24796	112	85	-	-	SYM
fbem-24796	112	86	5000	5000	NUM
fbem-24796	112	87	yuan	yuan	NOUN
fbem-24796	112	88	,	,	PUNCT
fbem-24796	112	89	600	600	NUM
fbem-24796	112	90	yuan	yuan	NOUN
fbem-24796	112	91	or	or	CCONJ
fbem-24796	112	92	less	less	ADJ
fbem-24796	112	93	,	,	PUNCT
fbem-24796	112	94	and	and	CCONJ
fbem-24796	112	95	5000	5000	NUM
fbem-24796	112	96	yuan	yuan	NOUN
fbem-24796	112	97	or	or	CCONJ
fbem-24796	112	98	more	more	ADJ
fbem-24796	112	99	per	per	ADP
fbem-24796	112	100	month	month	NOUN
fbem-24796	112	101	respectively	respectively	ADV
fbem-24796	112	102	account	account	VERB
fbem-24796	112	103	for13.20	for13.20	PROPN
fbem-24796	112	104	%	%	NOUN
fbem-24796	112	105	,	,	PUNCT
fbem-24796	112	106	1.90	1.90	NUM
fbem-24796	112	107	%	%	NOUN
fbem-24796	112	108	,	,	PUNCT
fbem-24796	112	109	and	and	CCONJ
fbem-24796	112	110	7.80	7.80	NUM
fbem-24796	112	111	%	%	NOUN
fbem-24796	112	112	of	of	ADP
fbem-24796	112	113	the	the	DET
fbem-24796	112	114	total	total	ADJ
fbem-24796	112	115	number	number	NOUN
fbem-24796	112	116	of	of	ADP
fbem-24796	112	117	people	people	NOUN
fbem-24796	112	118	.	.	PUNCT
fbem-24796	113	1	from	from	ADP
fbem-24796	113	2	the	the	DET
fbem-24796	113	3	above	above	ADJ
fbem-24796	113	4	data	datum	NOUN
fbem-24796	113	5	,	,	PUNCT
fbem-24796	113	6	it	it	PRON
fbem-24796	113	7	can	can	AUX
fbem-24796	113	8	be	be	AUX
fbem-24796	113	9	seen	see	VERB
fbem-24796	113	10	that	that	SCONJ
fbem-24796	113	11	the	the	DET
fbem-24796	113	12	consumption	consumption	NOUN
fbem-24796	113	13	level	level	NOUN
fbem-24796	113	14	of	of	ADP
fbem-24796	113	15	the	the	DET
fbem-24796	113	16	respondents	respondent	NOUN
fbem-24796	113	17	is	be	AUX
fbem-24796	113	18	mainly	mainly	ADV
fbem-24796	113	19	between	between	ADP
fbem-24796	113	20	600	600	NUM
fbem-24796	113	21	and	and	CCONJ
fbem-24796	113	22	3000	3000	NUM
fbem-24796	113	23	yuan	yuan	NOUN
fbem-24796	113	24	,	,	PUNCT
fbem-24796	113	25	and	and	CCONJ
fbem-24796	113	26	the	the	DET
fbem-24796	113	27	overall	overall	ADJ
fbem-24796	113	28	consumption	consumption	NOUN
fbem-24796	113	29	level	level	NOUN
fbem-24796	113	30	presents	present	VERB
fbem-24796	113	31	an	an	DET
fbem-24796	113	32	"	"	PUNCT
fbem-24796	113	33	olive	olive	ADJ
fbem-24796	113	34	shaped	shaped	ADJ
fbem-24796	113	35	"	"	PUNCT
fbem-24796	113	36	pattern	pattern	NOUN
fbem-24796	113	37	,	,	PUNCT
fbem-24796	113	38	with	with	ADP
fbem-24796	113	39	fewer	few	ADJ
fbem-24796	113	40	people	people	NOUN
fbem-24796	113	41	having	have	VERB
fbem-24796	113	42	high	high	ADJ
fbem-24796	113	43	and	and	CCONJ
fbem-24796	113	44	low	low	ADJ
fbem-24796	113	45	consumption	consumption	NOUN
fbem-24796	113	46	levels	level	NOUN
fbem-24796	113	47	.	.	PUNCT
fbem-24796	114	1	the	the	DET
fbem-24796	114	2	average	average	ADJ
fbem-24796	114	3	monthly	monthly	ADJ
fbem-24796	114	4	consumption	consumption	NOUN
fbem-24796	114	5	of	of	ADP
fbem-24796	114	6	most	most	ADJ
fbem-24796	114	7	respondents	respondent	NOUN
fbem-24796	114	8	is	be	AUX
fbem-24796	114	9	at	at	ADP
fbem-24796	114	10	a	a	DET
fbem-24796	114	11	moderate	moderate	ADJ
fbem-24796	114	12	level	level	NOUN
fbem-24796	114	13	.	.	PUNCT
fbem-24796	115	1	figure	figure	NOUN
fbem-24796	115	2	6	6	NUM
fbem-24796	115	3	.	.	PUNCT
fbem-24796	115	4	monthly	monthly	ADJ
fbem-24796	115	5	consumption	consumption	NOUN
fbem-24796	115	6	distribution	distribution	NOUN
fbem-24796	115	7	of	of	ADP
fbem-24796	115	8	respondents	respondent	NOUN
fbem-24796	115	9	to	to	PART
fbem-24796	115	10	sum	sum	VERB
fbem-24796	115	11	up	up	ADP
fbem-24796	115	12	,	,	PUNCT
fbem-24796	115	13	virtual	virtual	ADJ
fbem-24796	115	14	payment	payment	NOUN
fbem-24796	115	15	has	have	AUX
fbem-24796	115	16	become	become	VERB
fbem-24796	115	17	a	a	DET
fbem-24796	115	18	necessary	necessary	ADJ
fbem-24796	115	19	tool	tool	NOUN
fbem-24796	115	20	for	for	ADP
fbem-24796	115	21	college	college	NOUN
fbem-24796	115	22	students	student	NOUN
fbem-24796	115	23	in	in	ADP
fbem-24796	115	24	guangdong	guangdong	PROPN
fbem-24796	115	25	province	province	PROPN
fbem-24796	115	26	to	to	PART
fbem-24796	115	27	pay	pay	VERB
fbem-24796	115	28	.	.	PUNCT
fbem-24796	116	1	among	among	ADP
fbem-24796	116	2	them	they	PRON
fbem-24796	116	3	,	,	PUNCT
fbem-24796	116	4	alipay	alipay	PROPN
fbem-24796	116	5	and	and	CCONJ
fbem-24796	116	6	wechat	wechat	PRON
fbem-24796	116	7	payment	payment	NOUN
fbem-24796	116	8	are	be	AUX
fbem-24796	116	9	the	the	DET
fbem-24796	116	10	two	two	NUM
fbem-24796	116	11	most	most	ADV
fbem-24796	116	12	popular	popular	ADJ
fbem-24796	116	13	virtual	virtual	ADJ
fbem-24796	116	14	payment	payment	NOUN
fbem-24796	116	15	platforms	platform	NOUN
fbem-24796	116	16	for	for	ADP
fbem-24796	116	17	college	college	NOUN
fbem-24796	116	18	students	student	NOUN
fbem-24796	116	19	.	.	PUNCT
fbem-24796	117	1	most	most	ADJ
fbem-24796	117	2	college	college	NOUN
fbem-24796	117	3	students	student	NOUN
fbem-24796	117	4	in	in	ADP
fbem-24796	117	5	guangdong	guangdong	PROPN
fbem-24796	117	6	province	province	PROPN
fbem-24796	117	7	have	have	VERB
fbem-24796	117	8	more	more	ADJ
fbem-24796	117	9	than	than	ADP
fbem-24796	117	10	one	one	NUM
fbem-24796	117	11	year	year	NOUN
fbem-24796	117	12	of	of	ADP
fbem-24796	117	13	experience	experience	NOUN
fbem-24796	117	14	in	in	ADP
fbem-24796	117	15	using	use	VERB
fbem-24796	117	16	virtual	virtual	ADJ
fbem-24796	117	17	payment	payment	NOUN
fbem-24796	117	18	,	,	PUNCT
fbem-24796	117	19	and	and	CCONJ
fbem-24796	117	20	mainly	mainly	ADV
fbem-24796	117	21	use	use	VERB
fbem-24796	117	22	virtual	virtual	ADJ
fbem-24796	117	23	payment	payment	NOUN
fbem-24796	117	24	for	for	ADP
fbem-24796	117	25	small	small	ADJ
fbem-24796	117	26	consumption	consumption	NOUN
fbem-24796	117	27	.	.	PUNCT
fbem-24796	118	1	after	after	ADP
fbem-24796	118	2	analyzing	analyze	VERB
fbem-24796	118	3	the	the	DET
fbem-24796	118	4	usage	usage	NOUN
fbem-24796	118	5	of	of	ADP
fbem-24796	118	6	virtual	virtual	ADJ
fbem-24796	118	7	payments	payment	NOUN
fbem-24796	118	8	by	by	ADP
fbem-24796	118	9	students	student	NOUN
fbem-24796	118	10	in	in	ADP
fbem-24796	118	11	guangdong	guangdong	PROPN
fbem-24796	118	12	universities	universities	PROPN
fbem-24796	118	13	,	,	PUNCT
fbem-24796	118	14	the	the	DET
fbem-24796	118	15	next	next	ADJ
fbem-24796	118	16	step	step	NOUN
fbem-24796	118	17	is	be	AUX
fbem-24796	118	18	to	to	PART
fbem-24796	118	19	explore	explore	VERB
fbem-24796	118	20	the	the	DET
fbem-24796	118	21	reasons	reason	NOUN
fbem-24796	118	22	for	for	ADP
fbem-24796	118	23	the	the	DET
fbem-24796	118	24	use	use	NOUN
fbem-24796	118	25	of	of	ADP
fbem-24796	118	26	virtual	virtual	ADJ
fbem-24796	118	27	payments	payment	NOUN
fbem-24796	118	28	by	by	ADP
fbem-24796	118	29	guangdong	guangdong	PROPN
fbem-24796	118	30	university	university	PROPN
fbem-24796	118	31	students	student	NOUN
fbem-24796	118	32	from	from	ADP
fbem-24796	118	33	multiple	multiple	ADJ
fbem-24796	118	34	perspectives	perspective	NOUN
fbem-24796	118	35	.	.	PUNCT
fbem-24796	119	1	87.80	87.80	NUM
fbem-24796	119	2	%	%	NOUN
fbem-24796	119	3	95.90	95.90	NUM
fbem-24796	119	4	%	%	NOUN
fbem-24796	119	5	11.90	11.90	NUM
fbem-24796	119	6	%	%	NOUN
fbem-24796	119	7	0.63	0.63	NUM
fbem-24796	119	8	%	%	NOUN
fbem-24796	119	9	2.20	2.20	NUM
fbem-24796	119	10	%	%	NOUN
fbem-24796	119	11	3.40	3.40	NUM
fbem-24796	119	12	%	%	NOUN
fbem-24796	119	13	14.70	14.70	NUM
fbem-24796	119	14	%	%	NOUN
fbem-24796	119	15	7.50	7.50	NUM
fbem-24796	119	16	%	%	NOUN
fbem-24796	119	17	0.00	0.00	NUM
fbem-24796	119	18	%	%	NOUN
fbem-24796	119	19	20.00	20.00	NUM
fbem-24796	119	20	%	%	NOUN
fbem-24796	119	21	40.00	40.00	NUM
fbem-24796	119	22	%	%	NOUN
fbem-24796	119	23	60.00	60.00	NUM
fbem-24796	119	24	%	%	NOUN
fbem-24796	119	25	80.00	80.00	NUM
fbem-24796	119	26	%	%	NOUN
fbem-24796	119	27	100.00	100.00	NUM
fbem-24796	119	28	%	%	NOUN
fbem-24796	119	29	120.00	120.00	NUM
fbem-24796	119	30	%	%	NOUN
fbem-24796	119	31	alipay	alipay	PROPN
fbem-24796	119	32	wechat	wechat	PROPN
fbem-24796	119	33	applepay	applepay	PROPN
fbem-24796	119	34	baidu	baidu	NOUN
fbem-24796	119	35	wallet	wallet	NOUN
fbem-24796	120	1	qq	qq	INTJ
fbem-24796	120	2	wallet	wallet	NOUN
fbem-24796	120	3	jd	jd	PROPN
fbem-24796	120	4	wallet	wallet	PROPN
fbem-24796	120	5	cloud	cloud	PROPN
fbem-24796	120	6	flash	flash	VERB
fbem-24796	120	7	payment	payment	NOUN
fbem-24796	120	8	other	other	ADJ
fbem-24796	120	9	1.90	1.90	NUM
fbem-24796	120	10	%	%	NOUN
fbem-24796	120	11	24.10	24.10	NUM
fbem-24796	120	12	%	%	NOUN
fbem-24796	120	13	32.90	32.90	NUM
fbem-24796	120	14	%	%	NOUN
fbem-24796	120	15	20.10	20.10	NUM
fbem-24796	120	16	%	%	NOUN
fbem-24796	120	17	13.20	13.20	NUM
fbem-24796	120	18	%	%	NOUN
fbem-24796	120	19	7.80	7.80	NUM
fbem-24796	120	20	%	%	NOUN
fbem-24796	120	21	below600yuan	below600yuan	NOUN
fbem-24796	120	22	601	601	NUM
fbem-24796	120	23	-	-	SYM
fbem-24796	120	24	1500yuan	1500yuan	NUM
fbem-24796	120	25	1501	1501	NUM
fbem-24796	120	26	-	-	SYM
fbem-24796	120	27	2000yuan	2000yuan	NUM
fbem-24796	120	28	2001	2001	NUM
fbem-24796	120	29	-	-	SYM
fbem-24796	120	30	3000yuan	3000yuan	PROPN
fbem-24796	120	31	3001	3001	NUM
fbem-24796	120	32	-	-	SYM
fbem-24796	120	33	5000yuan	5000yuan	PROPN
fbem-24796	120	34	over	over	ADP
fbem-24796	120	35	5000yuan	5000yuan	PROPN
fbem-24796	120	36	454	454	NUM
fbem-24796	120	37	3.3.2	3.3.2	NUM
fbem-24796	120	38	.	.	PUNCT
fbem-24796	121	1	description	description	NOUN
fbem-24796	121	2	and	and	CCONJ
fbem-24796	121	3	analysis	analysis	NOUN
fbem-24796	121	4	of	of	ADP
fbem-24796	121	5	the	the	DET
fbem-24796	121	6	reasons	reason	NOUN
fbem-24796	121	7	for	for	ADP
fbem-24796	121	8	the	the	DET
fbem-24796	121	9	use	use	NOUN
fbem-24796	121	10	of	of	ADP
fbem-24796	121	11	virtual	virtual	ADJ
fbem-24796	121	12	payments	payment	NOUN
fbem-24796	121	13	by	by	ADP
fbem-24796	121	14	guangdong	guangdong	PROPN
fbem-24796	121	15	university	university	PROPN
fbem-24796	121	16	students	student	NOUN
fbem-24796	121	17	this	this	DET
fbem-24796	121	18	section	section	NOUN
fbem-24796	121	19	will	will	AUX
fbem-24796	121	20	explore	explore	VERB
fbem-24796	121	21	the	the	DET
fbem-24796	121	22	reasons	reason	NOUN
fbem-24796	121	23	for	for	ADP
fbem-24796	121	24	the	the	DET
fbem-24796	121	25	use	use	NOUN
fbem-24796	121	26	of	of	ADP
fbem-24796	121	27	virtual	virtual	ADJ
fbem-24796	121	28	payments	payment	NOUN
fbem-24796	121	29	by	by	ADP
fbem-24796	121	30	college	college	NOUN
fbem-24796	121	31	students	student	NOUN
fbem-24796	121	32	from	from	ADP
fbem-24796	121	33	two	two	NUM
fbem-24796	121	34	perspectives	perspective	NOUN
fbem-24796	121	35	:	:	PUNCT
fbem-24796	121	36	convenience	convenience	NOUN
fbem-24796	121	37	,	,	PUNCT
fbem-24796	121	38	security	security	NOUN
fbem-24796	121	39	.	.	PUNCT
fbem-24796	122	1	(	(	PUNCT
fbem-24796	122	2	1	1	X
fbem-24796	122	3	)	)	PUNCT
fbem-24796	122	4	convenience	convenience	NOUN
fbem-24796	122	5	analysis	analysis	NOUN
fbem-24796	122	6	of	of	ADP
fbem-24796	122	7	virtual	virtual	ADJ
fbem-24796	122	8	payment	payment	NOUN
fbem-24796	122	9	the	the	DET
fbem-24796	122	10	score	score	NOUN
fbem-24796	122	11	of	of	ADP
fbem-24796	122	12	convenience	convenience	NOUN
fbem-24796	122	13	reasons	reason	NOUN
fbem-24796	122	14	for	for	ADP
fbem-24796	122	15	guangdong	guangdong	PROPN
fbem-24796	122	16	university	university	PROPN
fbem-24796	122	17	students	student	NOUN
fbem-24796	122	18	using	use	VERB
fbem-24796	122	19	virtual	virtual	ADJ
fbem-24796	122	20	payments	payment	NOUN
fbem-24796	122	21	is	be	AUX
fbem-24796	122	22	shown	show	VERB
fbem-24796	122	23	in	in	ADP
fbem-24796	122	24	figure	figure	NOUN
fbem-24796	122	25	7	7	NUM
fbem-24796	122	26	.	.	PUNCT
fbem-24796	122	27	from	from	ADP
fbem-24796	122	28	the	the	DET
fbem-24796	122	29	perspective	perspective	NOUN
fbem-24796	122	30	of	of	ADP
fbem-24796	122	31	the	the	DET
fbem-24796	122	32	convenience	convenience	NOUN
fbem-24796	122	33	of	of	ADP
fbem-24796	122	34	virtual	virtual	ADJ
fbem-24796	122	35	payments	payment	NOUN
fbem-24796	122	36	,	,	PUNCT
fbem-24796	122	37	university	university	NOUN
fbem-24796	122	38	students	student	NOUN
fbem-24796	122	39	value	value	VERB
fbem-24796	122	40	virtual	virtual	ADJ
fbem-24796	122	41	payments	payment	NOUN
fbem-24796	122	42	the	the	DET
fbem-24796	122	43	most	most	ADJ
fbem-24796	122	44	.	.	PUNCT
fbem-24796	123	1	they	they	PRON
fbem-24796	123	2	can	can	AUX
fbem-24796	123	3	make	make	VERB
fbem-24796	123	4	payments	payment	NOUN
fbem-24796	123	5	through	through	ADP
fbem-24796	123	6	scanning	scan	VERB
fbem-24796	123	7	codes	code	NOUN
fbem-24796	123	8	and	and	CCONJ
fbem-24796	123	9	other	other	ADJ
fbem-24796	123	10	methods	method	NOUN
fbem-24796	123	11	,	,	PUNCT
fbem-24796	123	12	avoiding	avoid	VERB
fbem-24796	123	13	the	the	DET
fbem-24796	123	14	hassle	hassle	NOUN
fbem-24796	123	15	of	of	ADP
fbem-24796	123	16	change	change	NOUN
fbem-24796	123	17	,	,	PUNCT
fbem-24796	123	18	with	with	ADP
fbem-24796	123	19	an	an	DET
fbem-24796	123	20	average	average	NOUN
fbem-24796	123	21	of	of	ADP
fbem-24796	123	22	4.47	4.47	NUM
fbem-24796	123	23	;	;	PUNCT
fbem-24796	123	24	secondly	secondly	ADV
fbem-24796	123	25	,	,	PUNCT
fbem-24796	123	26	college	college	NOUN
fbem-24796	123	27	students	student	NOUN
fbem-24796	123	28	believe	believe	VERB
fbem-24796	123	29	that	that	SCONJ
fbem-24796	123	30	virtual	virtual	ADJ
fbem-24796	123	31	payment	payment	NOUN
fbem-24796	123	32	terminals	terminal	NOUN
fbem-24796	123	33	(	(	PUNCT
fbem-24796	123	34	i.e.	i.e.	X
fbem-24796	123	35	mobile	mobile	ADJ
fbem-24796	123	36	phones	phone	NOUN
fbem-24796	123	37	)	)	PUNCT
fbem-24796	123	38	are	be	AUX
fbem-24796	123	39	convenient	convenient	ADJ
fbem-24796	123	40	to	to	PART
fbem-24796	123	41	carry	carry	VERB
fbem-24796	123	42	,	,	PUNCT
fbem-24796	123	43	avoiding	avoid	VERB
fbem-24796	123	44	the	the	DET
fbem-24796	123	45	hassle	hassle	NOUN
fbem-24796	123	46	of	of	ADP
fbem-24796	123	47	withdrawal	withdrawal	NOUN
fbem-24796	123	48	and	and	CCONJ
fbem-24796	123	49	card	card	NOUN
fbem-24796	123	50	carrying	carrying	NOUN
fbem-24796	123	51	,	,	PUNCT
fbem-24796	123	52	thereby	thereby	ADV
fbem-24796	123	53	improving	improve	VERB
fbem-24796	123	54	the	the	DET
fbem-24796	123	55	convenience	convenience	NOUN
fbem-24796	123	56	of	of	ADP
fbem-24796	123	57	virtual	virtual	ADJ
fbem-24796	123	58	payments	payment	NOUN
fbem-24796	123	59	,	,	PUNCT
fbem-24796	123	60	with	with	ADP
fbem-24796	123	61	an	an	DET
fbem-24796	123	62	average	average	NOUN
fbem-24796	123	63	of	of	ADP
fbem-24796	123	64	4.46	4.46	NUM
fbem-24796	123	65	;	;	PUNCT
fbem-24796	123	66	among	among	ADP
fbem-24796	123	67	the	the	DET
fbem-24796	123	68	reasons	reason	NOUN
fbem-24796	123	69	for	for	ADP
fbem-24796	123	70	the	the	DET
fbem-24796	123	71	convenience	convenience	NOUN
fbem-24796	123	72	of	of	ADP
fbem-24796	123	73	virtual	virtual	ADJ
fbem-24796	123	74	payment	payment	NOUN
fbem-24796	123	75	,	,	PUNCT
fbem-24796	123	76	the	the	DET
fbem-24796	123	77	average	average	ADJ
fbem-24796	123	78	scores	score	NOUN
fbem-24796	123	79	of	of	ADP
fbem-24796	123	80	most	most	ADJ
fbem-24796	123	81	merchants	merchant	NOUN
fbem-24796	123	82	who	who	PRON
fbem-24796	123	83	accept	accept	VERB
fbem-24796	123	84	virtual	virtual	ADJ
fbem-24796	123	85	payment	payment	NOUN
fbem-24796	123	86	are	be	AUX
fbem-24796	123	87	4.42	4.42	NUM
fbem-24796	123	88	,	,	PUNCT
fbem-24796	123	89	4.23	4.23	NUM
fbem-24796	123	90	,	,	PUNCT
fbem-24796	123	91	and	and	CCONJ
fbem-24796	123	92	4.21	4.21	NUM
fbem-24796	123	93	,	,	PUNCT
fbem-24796	123	94	respectively	respectively	ADV
fbem-24796	123	95	.	.	PUNCT
fbem-24796	124	1	the	the	DET
fbem-24796	124	2	average	average	ADJ
fbem-24796	124	3	score	score	NOUN
fbem-24796	124	4	for	for	ADP
fbem-24796	124	5	finding	find	VERB
fbem-24796	124	6	purchased	purchase	VERB
fbem-24796	124	7	goods	good	NOUN
fbem-24796	124	8	and	and	CCONJ
fbem-24796	124	9	services	service	NOUN
fbem-24796	124	10	on	on	ADP
fbem-24796	124	11	virtual	virtual	ADJ
fbem-24796	124	12	payment	payment	NOUN
fbem-24796	124	13	platforms	platform	NOUN
fbem-24796	124	14	is	be	AUX
fbem-24796	124	15	the	the	DET
fbem-24796	124	16	lowest	low	ADJ
fbem-24796	124	17	,	,	PUNCT
fbem-24796	124	18	at	at	ADP
fbem-24796	124	19	4.14	4.14	NUM
fbem-24796	124	20	.	.	PUNCT
fbem-24796	125	1	from	from	ADP
fbem-24796	125	2	this	this	PRON
fbem-24796	125	3	,	,	PUNCT
fbem-24796	125	4	it	it	PRON
fbem-24796	125	5	can	can	AUX
fbem-24796	125	6	be	be	AUX
fbem-24796	125	7	seen	see	VERB
fbem-24796	125	8	that	that	SCONJ
fbem-24796	125	9	the	the	DET
fbem-24796	125	10	average	average	ADJ
fbem-24796	125	11	score	score	NOUN
fbem-24796	125	12	of	of	ADP
fbem-24796	125	13	convenience	convenience	NOUN
fbem-24796	125	14	reasons	reason	NOUN
fbem-24796	125	15	for	for	ADP
fbem-24796	125	16	college	college	NOUN
fbem-24796	125	17	students	student	NOUN
fbem-24796	125	18	using	use	VERB
fbem-24796	125	19	virtual	virtual	ADJ
fbem-24796	125	20	payments	payment	NOUN
fbem-24796	125	21	is	be	AUX
fbem-24796	125	22	relatively	relatively	ADV
fbem-24796	125	23	average	average	ADJ
fbem-24796	125	24	,	,	PUNCT
fbem-24796	125	25	ranging	range	VERB
fbem-24796	125	26	from	from	ADP
fbem-24796	125	27	4.1	4.1	NUM
fbem-24796	125	28	to	to	PART
fbem-24796	125	29	4.5	4.5	NUM
fbem-24796	125	30	,	,	PUNCT
fbem-24796	125	31	indicating	indicate	VERB
fbem-24796	125	32	that	that	SCONJ
fbem-24796	125	33	college	college	NOUN
fbem-24796	125	34	students	student	NOUN
fbem-24796	125	35	attach	attach	VERB
fbem-24796	125	36	great	great	ADJ
fbem-24796	125	37	importance	importance	NOUN
fbem-24796	125	38	to	to	ADP
fbem-24796	125	39	the	the	DET
fbem-24796	125	40	convenience	convenience	NOUN
fbem-24796	125	41	of	of	ADP
fbem-24796	125	42	virtual	virtual	ADJ
fbem-24796	125	43	payments	payment	NOUN
fbem-24796	125	44	.	.	PUNCT
fbem-24796	126	1	figure	figure	NOUN
fbem-24796	126	2	7	7	NUM
fbem-24796	126	3	.	.	PUNCT
fbem-24796	127	1	score	score	NOUN
fbem-24796	127	2	of	of	ADP
fbem-24796	127	3	convenience	convenience	NOUN
fbem-24796	127	4	reasons	reason	NOUN
fbem-24796	127	5	for	for	ADP
fbem-24796	127	6	guangdong	guangdong	PROPN
fbem-24796	127	7	university	university	PROPN
fbem-24796	127	8	students	student	NOUN
fbem-24796	127	9	using	use	VERB
fbem-24796	127	10	virtual	virtual	ADJ
fbem-24796	127	11	payment	payment	NOUN
fbem-24796	127	12	(	(	PUNCT
fbem-24796	127	13	2	2	NUM
fbem-24796	127	14	)	)	PUNCT
fbem-24796	127	15	security	security	NOUN
fbem-24796	127	16	analysis	analysis	NOUN
fbem-24796	127	17	of	of	ADP
fbem-24796	127	18	virtual	virtual	ADJ
fbem-24796	127	19	payment	payment	NOUN
fbem-24796	127	20	the	the	DET
fbem-24796	127	21	score	score	NOUN
fbem-24796	127	22	of	of	ADP
fbem-24796	127	23	security	security	NOUN
fbem-24796	127	24	reasons	reason	NOUN
fbem-24796	127	25	for	for	ADP
fbem-24796	127	26	college	college	NOUN
fbem-24796	127	27	students	student	NOUN
fbem-24796	127	28	using	use	VERB
fbem-24796	127	29	virtual	virtual	ADJ
fbem-24796	127	30	payments	payment	NOUN
fbem-24796	127	31	is	be	AUX
fbem-24796	127	32	shown	show	VERB
fbem-24796	127	33	in	in	ADP
fbem-24796	127	34	figure	figure	NOUN
fbem-24796	127	35	8	8	NUM
fbem-24796	127	36	.	.	PUNCT
fbem-24796	127	37	from	from	ADP
fbem-24796	127	38	the	the	DET
fbem-24796	127	39	perspective	perspective	NOUN
fbem-24796	127	40	of	of	ADP
fbem-24796	127	41	security	security	NOUN
fbem-24796	127	42	of	of	ADP
fbem-24796	127	43	virtual	virtual	ADJ
fbem-24796	127	44	payments	payment	NOUN
fbem-24796	127	45	,	,	PUNCT
fbem-24796	127	46	the	the	DET
fbem-24796	127	47	scores	score	NOUN
fbem-24796	127	48	for	for	ADP
fbem-24796	127	49	each	each	DET
fbem-24796	127	50	security	security	NOUN
fbem-24796	127	51	reason	reason	NOUN
fbem-24796	127	52	are	be	AUX
fbem-24796	127	53	relatively	relatively	ADV
fbem-24796	127	54	average	average	ADJ
fbem-24796	127	55	,	,	PUNCT
fbem-24796	127	56	ranging	range	VERB
fbem-24796	127	57	from	from	ADP
fbem-24796	127	58	3.60	3.60	NUM
fbem-24796	127	59	to	to	ADP
fbem-24796	127	60	4.0	4.0	NUM
fbem-24796	127	61	.	.	PUNCT
fbem-24796	128	1	most	most	ADJ
fbem-24796	128	2	college	college	NOUN
fbem-24796	128	3	students	student	NOUN
fbem-24796	128	4	have	have	AUX
fbem-24796	128	5	not	not	PART
fbem-24796	128	6	encountered	encounter	VERB
fbem-24796	128	7	any	any	DET
fbem-24796	128	8	security	security	NOUN
fbem-24796	128	9	issues	issue	NOUN
fbem-24796	128	10	when	when	SCONJ
fbem-24796	128	11	using	use	VERB
fbem-24796	128	12	virtual	virtual	ADJ
fbem-24796	128	13	payments	payment	NOUN
fbem-24796	128	14	,	,	PUNCT
fbem-24796	128	15	with	with	ADP
fbem-24796	128	16	an	an	DET
fbem-24796	128	17	average	average	ADJ
fbem-24796	128	18	score	score	NOUN
fbem-24796	128	19	of	of	ADP
fbem-24796	128	20	3.94	3.94	NUM
fbem-24796	128	21	;	;	PUNCT
fbem-24796	128	22	secondly	secondly	ADV
fbem-24796	128	23	,	,	PUNCT
fbem-24796	128	24	college	college	NOUN
fbem-24796	128	25	students	student	NOUN
fbem-24796	128	26	believe	believe	VERB
fbem-24796	128	27	that	that	SCONJ
fbem-24796	128	28	virtual	virtual	ADJ
fbem-24796	128	29	payments	payment	NOUN
fbem-24796	128	30	have	have	VERB
fbem-24796	128	31	high	high	ADJ
fbem-24796	128	32	overall	overall	ADJ
fbem-24796	128	33	security	security	NOUN
fbem-24796	128	34	,	,	PUNCT
fbem-24796	128	35	with	with	ADP
fbem-24796	128	36	an	an	DET
fbem-24796	128	37	average	average	ADJ
fbem-24796	128	38	score	score	NOUN
fbem-24796	128	39	of	of	ADP
fbem-24796	128	40	3.75	3.75	NUM
fbem-24796	128	41	for	for	ADP
fbem-24796	128	42	this	this	DET
fbem-24796	128	43	reason	reason	NOUN
fbem-24796	128	44	;	;	PUNCT
fbem-24796	128	45	the	the	DET
fbem-24796	128	46	average	average	ADJ
fbem-24796	128	47	scores	score	NOUN
fbem-24796	128	48	for	for	ADP
fbem-24796	128	49	worrying	worry	VERB
fbem-24796	128	50	about	about	ADP
fbem-24796	128	51	not	not	PART
fbem-24796	128	52	receiving	receive	VERB
fbem-24796	128	53	corresponding	corresponding	ADJ
fbem-24796	128	54	compensation	compensation	NOUN
fbem-24796	128	55	in	in	ADP
fbem-24796	128	56	case	case	NOUN
fbem-24796	128	57	of	of	ADP
fbem-24796	128	58	transaction	transaction	NOUN
fbem-24796	128	59	errors	error	NOUN
fbem-24796	128	60	,	,	PUNCT
fbem-24796	128	61	worrying	worry	VERB
fbem-24796	128	62	about	about	ADP
fbem-24796	128	63	personal	personal	ADJ
fbem-24796	128	64	information	information	NOUN
fbem-24796	128	65	being	be	AUX
fbem-24796	128	66	stolen	steal	VERB
fbem-24796	128	67	,	,	PUNCT
fbem-24796	128	68	and	and	CCONJ
fbem-24796	128	69	worrying	worry	VERB
fbem-24796	128	70	about	about	ADP
fbem-24796	128	71	the	the	DET
fbem-24796	128	72	risk	risk	NOUN
fbem-24796	128	73	of	of	ADP
fbem-24796	128	74	payment	payment	NOUN
fbem-24796	128	75	accounts	account	NOUN
fbem-24796	128	76	are	be	AUX
fbem-24796	128	77	3.70	3.70	NUM
fbem-24796	128	78	,	,	PUNCT
fbem-24796	128	79	3.66	3.66	NUM
fbem-24796	128	80	,	,	PUNCT
fbem-24796	128	81	and	and	CCONJ
fbem-24796	128	82	3.60	3.60	NUM
fbem-24796	128	83	,	,	PUNCT
fbem-24796	128	84	respectively	respectively	ADV
fbem-24796	128	85	.	.	PUNCT
fbem-24796	129	1	as	as	SCONJ
fbem-24796	129	2	can	can	AUX
fbem-24796	129	3	be	be	AUX
fbem-24796	129	4	seen	see	VERB
fbem-24796	129	5	from	from	ADP
fbem-24796	129	6	the	the	DET
fbem-24796	129	7	above	above	NOUN
fbem-24796	129	8	,	,	PUNCT
fbem-24796	129	9	college	college	NOUN
fbem-24796	129	10	students	student	NOUN
fbem-24796	129	11	generally	generally	ADV
fbem-24796	129	12	believe	believe	VERB
fbem-24796	129	13	that	that	SCONJ
fbem-24796	129	14	virtual	virtual	ADJ
fbem-24796	129	15	payments	payment	NOUN
fbem-24796	129	16	are	be	AUX
fbem-24796	129	17	relatively	relatively	ADV
fbem-24796	129	18	secure	secure	ADJ
fbem-24796	129	19	.	.	PUNCT
fbem-24796	130	1	figure	figure	NOUN
fbem-24796	130	2	8	8	NUM
fbem-24796	130	3	.	.	PUNCT
fbem-24796	131	1	score	score	NOUN
fbem-24796	131	2	of	of	ADP
fbem-24796	131	3	convenience	convenience	NOUN
fbem-24796	131	4	reasons	reason	NOUN
fbem-24796	131	5	for	for	ADP
fbem-24796	131	6	guangdong	guangdong	PROPN
fbem-24796	131	7	university	university	PROPN
fbem-24796	131	8	students	student	NOUN
fbem-24796	131	9	using	use	VERB
fbem-24796	131	10	virtual	virtual	ADJ
fbem-24796	131	11	payment	payment	NOUN
fbem-24796	131	12	in	in	ADP
fbem-24796	131	13	summary	summary	NOUN
fbem-24796	131	14	,	,	PUNCT
fbem-24796	131	15	in	in	ADP
fbem-24796	131	16	terms	term	NOUN
fbem-24796	131	17	of	of	ADP
fbem-24796	131	18	the	the	DET
fbem-24796	131	19	reasons	reason	NOUN
fbem-24796	131	20	why	why	SCONJ
fbem-24796	131	21	college	college	NOUN
fbem-24796	131	22	students	student	NOUN
fbem-24796	131	23	use	use	VERB
fbem-24796	131	24	virtual	virtual	ADJ
fbem-24796	131	25	payments	payment	NOUN
fbem-24796	131	26	,	,	PUNCT
fbem-24796	131	27	college	college	NOUN
fbem-24796	131	28	students	student	NOUN
fbem-24796	131	29	value	value	VERB
fbem-24796	131	30	the	the	DET
fbem-24796	131	31	convenience	convenience	NOUN
fbem-24796	131	32	of	of	ADP
fbem-24796	131	33	virtual	virtual	ADJ
fbem-24796	131	34	payments	payment	NOUN
fbem-24796	131	35	the	the	DET
fbem-24796	131	36	most	most	ADV
fbem-24796	131	37	.	.	PUNCT
fbem-24796	132	1	most	most	ADJ
fbem-24796	132	2	college	college	NOUN
fbem-24796	132	3	students	student	NOUN
fbem-24796	132	4	believe	believe	VERB
fbem-24796	132	5	that	that	SCONJ
fbem-24796	132	6	virtual	virtual	ADJ
fbem-24796	132	7	payments	payment	NOUN
fbem-24796	132	8	avoid	avoid	VERB
fbem-24796	132	9	the	the	DET
fbem-24796	132	10	hassle	hassle	NOUN
fbem-24796	132	11	of	of	ADP
fbem-24796	132	12	change	change	NOUN
fbem-24796	132	13	,	,	PUNCT
fbem-24796	132	14	thereby	thereby	ADV
fbem-24796	132	15	improving	improve	VERB
fbem-24796	132	16	the	the	DET
fbem-24796	132	17	convenience	convenience	NOUN
fbem-24796	132	18	of	of	ADP
fbem-24796	132	19	payment	payment	NOUN
fbem-24796	132	20	.	.	PUNCT
fbem-24796	133	1	relatively	relatively	ADV
fbem-24796	133	2	speaking	speak	VERB
fbem-24796	133	3	,	,	PUNCT
fbem-24796	133	4	college	college	NOUN
fbem-24796	133	5	students	student	NOUN
fbem-24796	133	6	place	place	VERB
fbem-24796	133	7	the	the	DET
fbem-24796	133	8	least	least	ADJ
fbem-24796	133	9	emphasis	emphasis	NOUN
fbem-24796	133	10	on	on	ADP
fbem-24796	133	11	the	the	DET
fbem-24796	133	12	security	security	NOUN
fbem-24796	133	13	of	of	ADP
fbem-24796	133	14	virtual	virtual	ADJ
fbem-24796	133	15	payments	payment	NOUN
fbem-24796	133	16	.	.	PUNCT
fbem-24796	134	1	3.4	3.4	NUM
fbem-24796	134	2	.	.	PUNCT
fbem-24796	135	1	an	an	DET
fbem-24796	135	2	in	in	ADP
fbem-24796	135	3	-	-	PUNCT
fbem-24796	135	4	depth	depth	NOUN
fbem-24796	135	5	analysis	analysis	NOUN
fbem-24796	135	6	of	of	ADP
fbem-24796	135	7	the	the	DET
fbem-24796	135	8	impact	impact	NOUN
fbem-24796	135	9	of	of	ADP
fbem-24796	135	10	virtual	virtual	ADJ
fbem-24796	135	11	payment	payment	NOUN
fbem-24796	135	12	on	on	ADP
fbem-24796	135	13	the	the	DET
fbem-24796	135	14	consumption	consumption	NOUN
fbem-24796	135	15	behavior	behavior	NOUN
fbem-24796	135	16	of	of	ADP
fbem-24796	135	17	guangdong	guangdong	PROPN
fbem-24796	135	18	university	university	PROPN
fbem-24796	135	19	students	student	NOUN
fbem-24796	135	20	3.4.1	3.4.1	NUM
fbem-24796	135	21	.	.	PUNCT
fbem-24796	135	22	using	use	VERB
fbem-24796	135	23	virtual	virtual	ADJ
fbem-24796	135	24	payments	payment	NOUN
fbem-24796	135	25	can	can	AUX
fbem-24796	135	26	lead	lead	VERB
fbem-24796	135	27	to	to	ADP
fbem-24796	135	28	impulsive	impulsive	ADJ
fbem-24796	135	29	and	and	CCONJ
fbem-24796	135	30	conspicuous	conspicuous	ADJ
fbem-24796	135	31	consumption	consumption	NOUN
fbem-24796	135	32	psychology	psychology	NOUN
fbem-24796	135	33	according	accord	VERB
fbem-24796	135	34	to	to	ADP
fbem-24796	135	35	the	the	DET
fbem-24796	135	36	results	result	NOUN
fbem-24796	135	37	in	in	ADP
fbem-24796	135	38	tables	table	NOUN
fbem-24796	135	39	3	3	NUM
fbem-24796	135	40	,	,	PUNCT
fbem-24796	135	41	it	it	PRON
fbem-24796	135	42	can	can	AUX
fbem-24796	135	43	be	be	AUX
fbem-24796	135	44	seen	see	VERB
fbem-24796	135	45	that	that	SCONJ
fbem-24796	135	46	the	the	DET
fbem-24796	135	47	convenience	convenience	NOUN
fbem-24796	135	48	and	and	CCONJ
fbem-24796	135	49	integration	integration	NOUN
fbem-24796	135	50	of	of	ADP
fbem-24796	135	51	virtual	virtual	ADJ
fbem-24796	135	52	payments	payment	NOUN
fbem-24796	135	53	are	be	AUX
fbem-24796	135	54	positively	positively	ADV
fbem-24796	135	55	correlated	correlate	VERB
fbem-24796	135	56	with	with	ADP
fbem-24796	135	57	consumer	consumer	NOUN
fbem-24796	135	58	psychology	psychology	NOUN
fbem-24796	135	59	,	,	PUNCT
fbem-24796	135	60	with	with	ADP
fbem-24796	135	61	pearson	pearson	NOUN
fbem-24796	135	62	correlation	correlation	NOUN
fbem-24796	135	63	coefficients	coefficient	NOUN
fbem-24796	135	64	of	of	ADP
fbem-24796	135	65	0.318	0.318	NUM
fbem-24796	135	66	and	and	CCONJ
fbem-24796	135	67	0.370	0.370	NUM
fbem-24796	135	68	,	,	PUNCT
fbem-24796	135	69	respectively	respectively	ADV
fbem-24796	135	70	,	,	PUNCT
fbem-24796	135	71	and	and	CCONJ
fbem-24796	135	72	corresponding	corresponding	ADJ
fbem-24796	135	73	significance	significance	NOUN
fbem-24796	135	74	of	of	ADP
fbem-24796	135	75	0.000	0.000	NUM
fbem-24796	135	76	,	,	PUNCT
fbem-24796	135	77	which	which	PRON
fbem-24796	135	78	is	be	AUX
fbem-24796	135	79	statistically	statistically	ADV
fbem-24796	135	80	significant	significant	ADJ
fbem-24796	135	81	at	at	ADP
fbem-24796	135	82	the	the	DET
fbem-24796	135	83	0.01	0.01	NUM
fbem-24796	135	84	level	level	NOUN
fbem-24796	135	85	.	.	PUNCT
fbem-24796	136	1	this	this	DET
fbem-24796	136	2	result	result	NOUN
fbem-24796	136	3	indicates	indicate	VERB
fbem-24796	136	4	that	that	SCONJ
fbem-24796	136	5	the	the	PRON
fbem-24796	136	6	higher	high	ADJ
fbem-24796	136	7	the	the	DET
fbem-24796	136	8	convenience	convenience	NOUN
fbem-24796	136	9	and	and	CCONJ
fbem-24796	136	10	integration	integration	NOUN
fbem-24796	136	11	of	of	ADP
fbem-24796	136	12	virtual	virtual	ADJ
fbem-24796	136	13	payments	payment	NOUN
fbem-24796	136	14	,	,	PUNCT
fbem-24796	136	15	the	the	DET
fbem-24796	136	16	more	more	ADV
fbem-24796	136	17	likely	likely	ADJ
fbem-24796	136	18	college	college	NOUN
fbem-24796	136	19	students	student	NOUN
fbem-24796	136	20	are	be	AUX
fbem-24796	136	21	to	to	PART
fbem-24796	136	22	engage	engage	VERB
fbem-24796	136	23	in	in	ADP
fbem-24796	136	24	impulsive	impulsive	ADJ
fbem-24796	136	25	,	,	PUNCT
fbem-24796	136	26	flashy	flashy	ADJ
fbem-24796	136	27	,	,	PUNCT
fbem-24796	136	28	and	and	CCONJ
fbem-24796	136	29	advanced	advanced	ADJ
fbem-24796	136	30	consumption	consumption	NOUN
fbem-24796	136	31	behaviors	behavior	NOUN
fbem-24796	136	32	.	.	PUNCT
fbem-24796	137	1	for	for	ADP
fbem-24796	137	2	security	security	NOUN
fbem-24796	137	3	,	,	PUNCT
fbem-24796	137	4	there	there	PRON
fbem-24796	137	5	is	be	VERB
fbem-24796	137	6	a	a	DET
fbem-24796	137	7	negative	negative	ADJ
fbem-24796	137	8	correlation	correlation	NOUN
fbem-24796	137	9	between	between	ADP
fbem-24796	137	10	it	it	PRON
fbem-24796	137	11	and	and	CCONJ
fbem-24796	137	12	consumer	consumer	NOUN
fbem-24796	137	13	psychology	psychology	NOUN
fbem-24796	137	14	,	,	PUNCT
fbem-24796	137	15	with	with	ADP
fbem-24796	137	16	a	a	DET
fbem-24796	137	17	pearson	pearson	NOUN
fbem-24796	137	18	correlation	correlation	NOUN
fbem-24796	137	19	coefficient	coefficient	NOUN
fbem-24796	137	20	of	of	ADP
fbem-24796	137	21	-0.097	-0.097	PROPN
fbem-24796	137	22	,	,	PUNCT
fbem-24796	137	23	which	which	PRON
fbem-24796	137	24	is	be	AUX
fbem-24796	137	25	statistically	statistically	ADV
fbem-24796	137	26	significant	significant	ADJ
fbem-24796	137	27	at	at	ADP
fbem-24796	137	28	the	the	DET
fbem-24796	137	29	0.1	0.1	NUM
fbem-24796	137	30	level	level	NOUN
fbem-24796	137	31	.	.	PUNCT
fbem-24796	138	1	this	this	PRON
fbem-24796	138	2	indicates	indicate	VERB
fbem-24796	138	3	that	that	SCONJ
fbem-24796	138	4	the	the	PRON
fbem-24796	138	5	higher	high	ADJ
fbem-24796	138	6	the	the	DET
fbem-24796	138	7	security	security	NOUN
fbem-24796	138	8	,	,	PUNCT
fbem-24796	138	9	the	the	DET
fbem-24796	138	10	more	more	ADV
fbem-24796	138	11	likely	likely	ADJ
fbem-24796	138	12	college	college	NOUN
fbem-24796	138	13	students	student	NOUN
fbem-24796	138	14	are	be	AUX
fbem-24796	138	15	to	to	PART
fbem-24796	138	16	develop	develop	VERB
fbem-24796	138	17	impulsive	impulsive	ADJ
fbem-24796	138	18	consumption	consumption	NOUN
fbem-24796	138	19	and	and	CCONJ
fbem-24796	138	20	other	other	ADJ
fbem-24796	138	21	consumer	consumer	NOUN
fbem-24796	138	22	psychology	psychology	NOUN
fbem-24796	138	23	on	on	ADP
fbem-24796	138	24	virtual	virtual	ADJ
fbem-24796	138	25	payment	payment	NOUN
fbem-24796	138	26	platforms	platform	NOUN
fbem-24796	138	27	.	.	PUNCT
fbem-24796	139	1	tables	table	NOUN
fbem-24796	139	2	4	4	NUM
fbem-24796	139	3	and	and	CCONJ
fbem-24796	139	4	5	5	NUM
fbem-24796	139	5	show	show	VERB
fbem-24796	139	6	the	the	DET
fbem-24796	139	7	regression	regression	NOUN
fbem-24796	139	8	analysis	analysis	NOUN
fbem-24796	139	9	results	result	NOUN
fbem-24796	139	10	of	of	ADP
fbem-24796	139	11	virtual	virtual	ADJ
fbem-24796	139	12	payment	payment	NOUN
fbem-24796	139	13	and	and	CCONJ
fbem-24796	139	14	consumer	consumer	NOUN
fbem-24796	139	15	psychology	psychology	NOUN
fbem-24796	139	16	.	.	PUNCT
fbem-24796	140	1	from	from	ADP
fbem-24796	140	2	the	the	DET
fbem-24796	140	3	table	table	NOUN
fbem-24796	140	4	,	,	PUNCT
fbem-24796	140	5	it	it	PRON
fbem-24796	140	6	can	can	AUX
fbem-24796	140	7	be	be	AUX
fbem-24796	140	8	seen	see	VERB
fbem-24796	140	9	that	that	SCONJ
fbem-24796	140	10	although	although	SCONJ
fbem-24796	140	11	the	the	DET
fbem-24796	140	12	goodness	goodness	NOUN
fbem-24796	140	13	of	of	ADP
fbem-24796	140	14	fit	fit	ADJ
fbem-24796	140	15	r	r	NOUN
fbem-24796	140	16	-	-	PUNCT
fbem-24796	140	17	squared	square	VERB
fbem-24796	140	18	and	and	CCONJ
fbem-24796	140	19	adjusted	adjust	VERB
fbem-24796	140	20	r	r	NOUN
fbem-24796	140	21	-	-	PUNCT
fbem-24796	140	22	squared	square	VERB
fbem-24796	140	23	of	of	ADP
fbem-24796	140	24	the	the	DET
fbem-24796	140	25	model	model	NOUN
fbem-24796	140	26	are	be	AUX
fbem-24796	140	27	0.152	0.152	NUM
fbem-24796	140	28	and	and	CCONJ
fbem-24796	140	29	0.147	0.147	NUM
fbem-24796	140	30	,	,	PUNCT
fbem-24796	140	31	respectively	respectively	ADV
fbem-24796	140	32	,	,	PUNCT
fbem-24796	140	33	the	the	DET
fbem-24796	140	34	f	f	NOUN
fbem-24796	140	35	-	-	PUNCT
fbem-24796	140	36	value	value	NOUN
fbem-24796	140	37	of	of	ADP
fbem-24796	140	38	the	the	DET
fbem-24796	140	39	model	model	NOUN
fbem-24796	140	40	is	be	AUX
fbem-24796	140	41	33.225	33.225	NUM
fbem-24796	140	42	,	,	PUNCT
fbem-24796	140	43	the	the	DET
fbem-24796	140	44	p	p	NOUN
fbem-24796	140	45	-	-	PUNCT
fbem-24796	140	46	value	value	NOUN
fbem-24796	140	47	is	be	AUX
fbem-24796	140	48	0.000	0.000	NUM
fbem-24796	140	49	,	,	PUNCT
fbem-24796	140	50	and	and	CCONJ
fbem-24796	140	51	the	the	DET
fbem-24796	140	52	p	p	NOUN
fbem-24796	140	53	-	-	PUNCT
fbem-24796	140	54	values	value	NOUN
fbem-24796	140	55	of	of	ADP
fbem-24796	140	56	the	the	DET
fbem-24796	140	57	corresponding	corresponding	ADJ
fbem-24796	140	58	coefficients	coefficient	NOUN
fbem-24796	140	59	are	be	AUX
fbem-24796	140	60	all	all	ADV
fbem-24796	140	61	0.000	0.000	NUM
fbem-24796	140	62	,	,	PUNCT
fbem-24796	140	63	which	which	PRON
fbem-24796	140	64	is	be	AUX
fbem-24796	140	65	statistically	statistically	ADV
fbem-24796	140	66	significant	significant	ADJ
fbem-24796	140	67	.	.	PUNCT
fbem-24796	141	1	therefore	therefore	ADV
fbem-24796	141	2	,	,	PUNCT
fbem-24796	141	3	the	the	DET
fbem-24796	141	4	regression	regression	NOUN
fbem-24796	141	5	model	model	NOUN
fbem-24796	141	6	between	between	ADP
fbem-24796	141	7	the	the	DET
fbem-24796	141	8	convenience	convenience	NOUN
fbem-24796	141	9	,	,	PUNCT
fbem-24796	141	10	security	security	NOUN
fbem-24796	141	11	,	,	PUNCT
fbem-24796	141	12	and	and	CCONJ
fbem-24796	141	13	integration	integration	NOUN
fbem-24796	141	14	of	of	ADP
fbem-24796	141	15	virtual	virtual	ADJ
fbem-24796	141	16	payments	payment	NOUN
fbem-24796	141	17	and	and	CCONJ
fbem-24796	141	18	consumer	consumer	NOUN
fbem-24796	141	19	psychology	psychology	NOUN
fbem-24796	141	20	is	be	AUX
fbem-24796	141	21	established	establish	VERB
fbem-24796	141	22	,	,	PUNCT
fbem-24796	141	23	and	and	CCONJ
fbem-24796	141	24	the	the	DET
fbem-24796	141	25	regression	regression	NOUN
fbem-24796	141	26	coefficients	coefficient	NOUN
fbem-24796	141	27	are	be	AUX
fbem-24796	141	28	significant	significant	ADJ
fbem-24796	141	29	.	.	PUNCT
fbem-24796	142	1	in	in	ADP
fbem-24796	142	2	fact	fact	NOUN
fbem-24796	142	3	,	,	PUNCT
fbem-24796	142	4	with	with	ADP
fbem-24796	142	5	the	the	DET
fbem-24796	142	6	rapid	rapid	ADJ
fbem-24796	142	7	development	development	NOUN
fbem-24796	142	8	of	of	ADP
fbem-24796	142	9	virtual	virtual	ADJ
fbem-24796	142	10	payments	payment	NOUN
fbem-24796	142	11	,	,	PUNCT
fbem-24796	142	12	their	their	PRON
fbem-24796	142	13	convenience	convenience	NOUN
fbem-24796	142	14	and	and	CCONJ
fbem-24796	142	15	integration	integration	NOUN
fbem-24796	142	16	have	have	AUX
fbem-24796	142	17	greatly	greatly	ADV
fbem-24796	142	18	stimulated	stimulate	VERB
fbem-24796	142	19	the	the	DET
fbem-24796	142	20	consumption	consumption	NOUN
fbem-24796	142	21	desire	desire	NOUN
fbem-24796	142	22	of	of	ADP
fbem-24796	142	23	college	college	NOUN
fbem-24796	142	24	students	student	NOUN
fbem-24796	142	25	.	.	PUNCT
fbem-24796	143	1	due	due	ADP
fbem-24796	143	2	to	to	ADP
fbem-24796	143	3	the	the	DET
fbem-24796	143	4	fact	fact	NOUN
fbem-24796	143	5	that	that	SCONJ
fbem-24796	143	6	virtual	virtual	ADJ
fbem-24796	143	7	payments	payment	NOUN
fbem-24796	143	8	are	be	AUX
fbem-24796	143	9	all	all	ADV
fbem-24796	143	10	cashless	cashless	NOUN
fbem-24796	143	11	;	;	PUNCT
fbem-24796	143	12	after	after	ADP
fbem-24796	143	13	using	use	VERB
fbem-24796	143	14	virtual	virtual	ADJ
fbem-24796	143	15	payments	payment	NOUN
fbem-24796	143	16	,	,	PUNCT
fbem-24796	143	17	college	college	NOUN
fbem-24796	143	18	students	student	NOUN
fbem-24796	143	19	do	do	AUX
fbem-24796	143	20	not	not	PART
fbem-24796	143	21	have	have	VERB
fbem-24796	143	22	a	a	DET
fbem-24796	143	23	clear	clear	ADJ
fbem-24796	143	24	concept	concept	NOUN
fbem-24796	143	25	of	of	ADP
fbem-24796	143	26	the	the	DET
fbem-24796	143	27	specific	specific	ADJ
fbem-24796	143	28	amount	amount	NOUN
fbem-24796	143	29	they	they	PRON
fbem-24796	143	30	will	will	AUX
fbem-24796	143	31	spend	spend	VERB
fbem-24796	143	32	,	,	PUNCT
fbem-24796	143	33	which	which	PRON
fbem-24796	143	34	makes	make	VERB
fbem-24796	143	35	it	it	PRON
fbem-24796	143	36	difficult	difficult	ADJ
fbem-24796	143	37	for	for	SCONJ
fbem-24796	143	38	them	they	PRON
fbem-24796	143	39	to	to	PART
fbem-24796	143	40	better	well	ADV
fbem-24796	143	41	plan	plan	VERB
fbem-24796	143	42	their	their	PRON
fbem-24796	143	43	expenses	expense	NOUN
fbem-24796	143	44	.	.	PUNCT
fbem-24796	144	1	in	in	ADP
fbem-24796	144	2	addition	addition	NOUN
fbem-24796	144	3	,	,	PUNCT
fbem-24796	144	4	virtual	virtual	ADJ
fbem-24796	144	5	payment	payment	NOUN
fbem-24796	144	6	platforms	platform	NOUN
fbem-24796	144	7	,	,	PUNCT
fbem-24796	144	8	such	such	ADJ
fbem-24796	144	9	as	as	ADP
fbem-24796	144	10	alipay	alipay	PROPN
fbem-24796	144	11	,	,	PUNCT
fbem-24796	144	12	wechat	wechat	NOUN
fbem-24796	144	13	payment	payment	NOUN
fbem-24796	144	14	,	,	PUNCT
fbem-24796	144	15	jd	jd	ADP
fbem-24796	144	16	payment	payment	NOUN
fbem-24796	144	17	,	,	PUNCT
fbem-24796	144	18	etc	etc	X
fbem-24796	144	19	.	.	X
fbem-24796	144	20	,	,	PUNCT
fbem-24796	144	21	often	often	ADV
fbem-24796	144	22	push	push	VERB
fbem-24796	144	23	preferential	preferential	ADJ
fbem-24796	144	24	information	information	NOUN
fbem-24796	144	25	about	about	ADP
fbem-24796	144	26	some	some	DET
fbem-24796	144	27	goods	good	NOUN
fbem-24796	144	28	or	or	CCONJ
fbem-24796	144	29	services	service	NOUN
fbem-24796	144	30	to	to	ADP
fbem-24796	144	31	consumers	consumer	NOUN
fbem-24796	144	32	.	.	PUNCT
fbem-24796	145	1	their	their	PRON
fbem-24796	145	2	wide	wide	ADJ
fbem-24796	145	3	range	range	NOUN
fbem-24796	145	4	of	of	ADP
fbem-24796	145	5	products	product	NOUN
fbem-24796	145	6	enables	enable	VERB
fbem-24796	145	7	4.47	4.47	NUM
fbem-24796	145	8	4.46	4.46	NUM
fbem-24796	145	9	4.42	4.42	NUM
fbem-24796	145	10	4.23	4.23	NUM
fbem-24796	145	11	4.21	4.21	NUM
fbem-24796	145	12	4.14	4.14	NUM
fbem-24796	145	13	avoid	avoid	NOUN
fbem-24796	145	14	changing	change	VERB
fbem-24796	145	15	avoid	avoid	NOUN
fbem-24796	145	16	embodying	embody	VERB
fbem-24796	145	17	or	or	CCONJ
fbem-24796	145	18	carrying	carry	VERB
fbem-24796	145	19	cards	card	NOUN
fbem-24796	145	20	easy	easy	ADJ
fbem-24796	145	21	to	to	PART
fbem-24796	145	22	proficiently	proficiently	ADV
fbem-24796	145	23	use	use	VERB
fbem-24796	145	24	purchase	purchase	NOUN
fbem-24796	145	25	goods	good	NOUN
fbem-24796	145	26	and	and	CCONJ
fbem-24796	145	27	services	service	NOUN
fbem-24796	145	28	at	at	ADP
fbem-24796	145	29	any	any	DET
fbem-24796	145	30	time	time	NOUN
fbem-24796	145	31	merchants	merchant	NOUN
fbem-24796	145	32	accept	accept	VERB
fbem-24796	145	33	virtual	virtual	ADJ
fbem-24796	145	34	payments	payment	NOUN
fbem-24796	145	35	easy	easy	ADJ
fbem-24796	145	36	to	to	PART
fbem-24796	145	37	find	find	VERB
fbem-24796	145	38	purchased	purchase	VERB
fbem-24796	145	39	goods	good	NOUN
fbem-24796	145	40	and	and	CCONJ
fbem-24796	145	41	services	service	NOUN
fbem-24796	145	42	3.94	3.94	NUM
fbem-24796	145	43	3.75	3.75	NUM
fbem-24796	145	44	3.7	3.7	NUM
fbem-24796	145	45	3.66	3.66	NUM
fbem-24796	145	46	3.6	3.6	NUM
fbem-24796	145	47	there	there	PRON
fbem-24796	145	48	have	have	AUX
fbem-24796	145	49	been	be	AUX
fbem-24796	145	50	no	no	DET
fbem-24796	145	51	security	security	NOUN
fbem-24796	145	52	issues	issue	NOUN
fbem-24796	145	53	with	with	ADP
fbem-24796	145	54	using	use	VERB
fbem-24796	145	55	virtual	virtual	ADJ
fbem-24796	145	56	payments	payment	NOUN
fbem-24796	145	57	the	the	DET
fbem-24796	145	58	overall	overall	ADJ
fbem-24796	145	59	security	security	NOUN
fbem-24796	145	60	of	of	ADP
fbem-24796	145	61	virtual	virtual	ADJ
fbem-24796	145	62	payments	payment	NOUN
fbem-24796	145	63	is	be	AUX
fbem-24796	145	64	relatively	relatively	ADV
fbem-24796	145	65	high	high	ADJ
fbem-24796	145	66	worried	worried	ADJ
fbem-24796	145	67	about	about	ADP
fbem-24796	145	68	not	not	PART
fbem-24796	145	69	receiving	receive	VERB
fbem-24796	145	70	corresponding	corresponding	ADJ
fbem-24796	145	71	compensation	compensation	NOUN
fbem-24796	145	72	in	in	ADP
fbem-24796	145	73	case	case	NOUN
fbem-24796	145	74	of	of	ADP
fbem-24796	145	75	transaction	transaction	NOUN
fbem-24796	145	76	errors	error	NOUN
fbem-24796	145	77	worried	worry	VERB
fbem-24796	145	78	about	about	ADP
fbem-24796	145	79	personal	personal	ADJ
fbem-24796	145	80	information	information	NOUN
fbem-24796	145	81	being	be	AUX
fbem-24796	145	82	stolen	steal	VERB
fbem-24796	145	83	worried	worried	ADJ
fbem-24796	145	84	about	about	ADP
fbem-24796	145	85	the	the	DET
fbem-24796	145	86	risk	risk	NOUN
fbem-24796	145	87	in	in	ADP
fbem-24796	145	88	the	the	DET
fbem-24796	145	89	payment	payment	NOUN
fbem-24796	145	90	account	account	NOUN
fbem-24796	145	91	455	455	NUM
fbem-24796	145	92	college	college	NOUN
fbem-24796	145	93	students	student	NOUN
fbem-24796	145	94	to	to	PART
fbem-24796	145	95	buy	buy	VERB
fbem-24796	145	96	things	thing	NOUN
fbem-24796	145	97	that	that	PRON
fbem-24796	145	98	ca	can	AUX
fbem-24796	145	99	n't	not	PART
fbem-24796	145	100	be	be	AUX
fbem-24796	145	101	bought	buy	VERB
fbem-24796	145	102	nearby	nearby	ADV
fbem-24796	145	103	.	.	PUNCT
fbem-24796	146	1	the	the	DET
fbem-24796	146	2	low	low	ADJ
fbem-24796	146	3	price	price	NOUN
fbem-24796	146	4	is	be	AUX
fbem-24796	146	5	also	also	ADV
fbem-24796	146	6	an	an	DET
fbem-24796	146	7	important	important	ADJ
fbem-24796	146	8	reason	reason	NOUN
fbem-24796	146	9	to	to	PART
fbem-24796	146	10	attract	attract	VERB
fbem-24796	146	11	college	college	NOUN
fbem-24796	146	12	students	student	NOUN
fbem-24796	146	13	to	to	PART
fbem-24796	146	14	consume	consume	VERB
fbem-24796	146	15	,	,	PUNCT
fbem-24796	146	16	which	which	PRON
fbem-24796	146	17	to	to	ADP
fbem-24796	146	18	a	a	DET
fbem-24796	146	19	large	large	ADJ
fbem-24796	146	20	extent	extent	NOUN
fbem-24796	146	21	stimulates	stimulate	VERB
fbem-24796	146	22	their	their	PRON
fbem-24796	146	23	consumption	consumption	NOUN
fbem-24796	146	24	desire	desire	NOUN
fbem-24796	146	25	.	.	PUNCT
fbem-24796	147	1	most	most	ADJ
fbem-24796	147	2	virtual	virtual	ADJ
fbem-24796	147	3	payment	payment	NOUN
fbem-24796	147	4	platforms	platform	NOUN
fbem-24796	147	5	provide	provide	VERB
fbem-24796	147	6	consumers	consumer	NOUN
fbem-24796	147	7	with	with	ADP
fbem-24796	147	8	fast	fast	ADJ
fbem-24796	147	9	payment	payment	NOUN
fbem-24796	147	10	channels	channel	NOUN
fbem-24796	147	11	,	,	PUNCT
fbem-24796	147	12	that	that	ADV
fbem-24796	147	13	is	is	AUX
fbem-24796	147	14	,	,	PUNCT
fbem-24796	147	15	after	after	ADP
fbem-24796	147	16	binding	bind	VERB
fbem-24796	147	17	a	a	DET
fbem-24796	147	18	bank	bank	NOUN
fbem-24796	147	19	card	card	NOUN
fbem-24796	147	20	,	,	PUNCT
fbem-24796	147	21	shopping	shopping	NOUN
fbem-24796	147	22	can	can	AUX
fbem-24796	147	23	be	be	AUX
fbem-24796	147	24	completed	complete	VERB
fbem-24796	147	25	by	by	ADP
fbem-24796	147	26	entering	enter	VERB
fbem-24796	147	27	a	a	DET
fbem-24796	147	28	payment	payment	NOUN
fbem-24796	147	29	password	password	NOUN
fbem-24796	147	30	.	.	PUNCT
fbem-24796	148	1	this	this	DET
fbem-24796	148	2	convenience	convenience	NOUN
fbem-24796	148	3	provides	provide	VERB
fbem-24796	148	4	a	a	DET
fbem-24796	148	5	new	new	ADJ
fbem-24796	148	6	consumption	consumption	NOUN
fbem-24796	148	7	channel	channel	NOUN
fbem-24796	148	8	for	for	ADP
fbem-24796	148	9	college	college	NOUN
fbem-24796	148	10	students	student	NOUN
fbem-24796	148	11	.	.	PUNCT
fbem-24796	149	1	in	in	ADP
fbem-24796	149	2	addition	addition	NOUN
fbem-24796	149	3	,	,	PUNCT
fbem-24796	149	4	virtual	virtual	ADJ
fbem-24796	149	5	payment	payment	NOUN
fbem-24796	149	6	platforms	platform	NOUN
fbem-24796	149	7	provide	provide	VERB
fbem-24796	149	8	various	various	ADJ
fbem-24796	149	9	credit	credit	NOUN
fbem-24796	149	10	products	product	NOUN
fbem-24796	149	11	,	,	PUNCT
fbem-24796	149	12	such	such	ADJ
fbem-24796	149	13	as	as	ADP
fbem-24796	149	14	ant	ant	ADJ
fbem-24796	149	15	huabei	huabei	NOUN
fbem-24796	149	16	,	,	PUNCT
fbem-24796	149	17	campus	campus	NOUN
fbem-24796	149	18	loans	loan	NOUN
fbem-24796	149	19	,	,	PUNCT
fbem-24796	149	20	jd	jd	PROPN
fbem-24796	149	21	baitiao	baitiao	NOUN
fbem-24796	149	22	,	,	PUNCT
fbem-24796	149	23	etc	etc	X
fbem-24796	149	24	.	.	X
fbem-24796	149	25	,	,	PUNCT
fbem-24796	149	26	which	which	PRON
fbem-24796	149	27	precisely	precisely	ADV
fbem-24796	149	28	meets	meet	VERB
fbem-24796	149	29	the	the	DET
fbem-24796	149	30	consumption	consumption	NOUN
fbem-24796	149	31	needs	need	NOUN
fbem-24796	149	32	of	of	ADP
fbem-24796	149	33	college	college	NOUN
fbem-24796	149	34	students	student	NOUN
fbem-24796	149	35	.	.	PUNCT
fbem-24796	150	1	according	accord	VERB
fbem-24796	150	2	to	to	ADP
fbem-24796	150	3	the	the	DET
fbem-24796	150	4	above	above	ADJ
fbem-24796	150	5	analysis	analysis	NOUN
fbem-24796	150	6	,	,	PUNCT
fbem-24796	150	7	the	the	DET
fbem-24796	150	8	monthly	monthly	ADJ
fbem-24796	150	9	consumption	consumption	NOUN
fbem-24796	150	10	of	of	ADP
fbem-24796	150	11	most	most	ADJ
fbem-24796	150	12	college	college	NOUN
fbem-24796	150	13	students	student	NOUN
fbem-24796	150	14	is	be	AUX
fbem-24796	150	15	between	between	ADP
fbem-24796	150	16	600	600	NUM
fbem-24796	150	17	and	and	CCONJ
fbem-24796	150	18	1500	1500	NUM
fbem-24796	150	19	yuan	yuan	NOUN
fbem-24796	150	20	.	.	PUNCT
fbem-24796	151	1	if	if	SCONJ
fbem-24796	151	2	they	they	PRON
fbem-24796	151	3	want	want	VERB
fbem-24796	151	4	to	to	PART
fbem-24796	151	5	purchase	purchase	VERB
fbem-24796	151	6	products	product	NOUN
fbem-24796	151	7	with	with	ADP
fbem-24796	151	8	higher	high	ADJ
fbem-24796	151	9	prices	price	NOUN
fbem-24796	151	10	,	,	PUNCT
fbem-24796	151	11	the	the	DET
fbem-24796	151	12	credit	credit	NOUN
fbem-24796	151	13	products	product	NOUN
fbem-24796	151	14	of	of	ADP
fbem-24796	151	15	virtual	virtual	ADJ
fbem-24796	151	16	payment	payment	NOUN
fbem-24796	151	17	undoubtedly	undoubtedly	ADV
fbem-24796	151	18	provide	provide	VERB
fbem-24796	151	19	them	they	PRON
fbem-24796	151	20	with	with	ADP
fbem-24796	151	21	a	a	DET
fbem-24796	151	22	good	good	ADJ
fbem-24796	151	23	channel	channel	NOUN
fbem-24796	151	24	,	,	PUNCT
fbem-24796	151	25	which	which	PRON
fbem-24796	151	26	indirectly	indirectly	ADV
fbem-24796	151	27	promotes	promote	VERB
fbem-24796	151	28	college	college	NOUN
fbem-24796	151	29	students	student	NOUN
fbem-24796	151	30	'	'	PART
fbem-24796	151	31	advanced	advanced	ADJ
fbem-24796	151	32	consumption	consumption	NOUN
fbem-24796	151	33	.	.	PUNCT
fbem-24796	152	1	although	although	SCONJ
fbem-24796	152	2	virtual	virtual	ADJ
fbem-24796	152	3	payment	payment	NOUN
fbem-24796	152	4	platforms	platform	NOUN
fbem-24796	152	5	also	also	ADV
fbem-24796	152	6	offer	offer	VERB
fbem-24796	152	7	a	a	DET
fbem-24796	152	8	variety	variety	NOUN
fbem-24796	152	9	of	of	ADP
fbem-24796	152	10	financial	financial	ADJ
fbem-24796	152	11	products	product	NOUN
fbem-24796	152	12	,	,	PUNCT
fbem-24796	152	13	their	their	PRON
fbem-24796	152	14	popularity	popularity	NOUN
fbem-24796	152	15	among	among	ADP
fbem-24796	152	16	college	college	NOUN
fbem-24796	152	17	students	student	NOUN
fbem-24796	152	18	is	be	AUX
fbem-24796	152	19	not	not	PART
fbem-24796	152	20	very	very	ADV
fbem-24796	152	21	high	high	ADJ
fbem-24796	152	22	.	.	PUNCT
fbem-24796	153	1	this	this	PRON
fbem-24796	153	2	may	may	AUX
fbem-24796	153	3	be	be	AUX
fbem-24796	153	4	because	because	SCONJ
fbem-24796	153	5	they	they	PRON
fbem-24796	153	6	do	do	AUX
fbem-24796	153	7	not	not	PART
fbem-24796	153	8	have	have	VERB
fbem-24796	153	9	a	a	DET
fbem-24796	153	10	fixed	fix	VERB
fbem-24796	153	11	source	source	NOUN
fbem-24796	153	12	of	of	ADP
fbem-24796	153	13	income	income	NOUN
fbem-24796	153	14	,	,	PUNCT
fbem-24796	153	15	have	have	VERB
fbem-24796	153	16	less	less	ADJ
fbem-24796	153	17	monthly	monthly	ADJ
fbem-24796	153	18	living	living	NOUN
fbem-24796	153	19	expenses	expense	NOUN
fbem-24796	153	20	,	,	PUNCT
fbem-24796	153	21	and	and	CCONJ
fbem-24796	153	22	do	do	AUX
fbem-24796	153	23	not	not	PART
fbem-24796	153	24	require	require	VERB
fbem-24796	153	25	financial	financial	ADJ
fbem-24796	153	26	management	management	NOUN
fbem-24796	153	27	.	.	PUNCT
fbem-24796	154	1	moreover	moreover	ADV
fbem-24796	154	2	,	,	PUNCT
fbem-24796	154	3	their	their	PRON
fbem-24796	154	4	financial	financial	ADJ
fbem-24796	154	5	management	management	NOUN
fbem-24796	154	6	concepts	concept	NOUN
fbem-24796	154	7	are	be	AUX
fbem-24796	154	8	relatively	relatively	ADV
fbem-24796	154	9	weak	weak	ADJ
fbem-24796	154	10	,	,	PUNCT
fbem-24796	154	11	and	and	CCONJ
fbem-24796	154	12	their	their	PRON
fbem-24796	154	13	understanding	understanding	NOUN
fbem-24796	154	14	of	of	ADP
fbem-24796	154	15	financial	financial	ADJ
fbem-24796	154	16	products	product	NOUN
fbem-24796	154	17	on	on	ADP
fbem-24796	154	18	payment	payment	NOUN
fbem-24796	154	19	platforms	platform	NOUN
fbem-24796	154	20	is	be	AUX
fbem-24796	154	21	also	also	ADV
fbem-24796	154	22	limited	limited	ADJ
fbem-24796	154	23	.	.	PUNCT
fbem-24796	155	1	many	many	ADJ
fbem-24796	155	2	college	college	NOUN
fbem-24796	155	3	students	student	NOUN
fbem-24796	155	4	only	only	ADV
fbem-24796	155	5	choose	choose	VERB
fbem-24796	155	6	financial	financial	ADJ
fbem-24796	155	7	products	product	NOUN
fbem-24796	155	8	such	such	ADJ
fbem-24796	155	9	as	as	ADP
fbem-24796	155	10	yu'ebao	yu'ebao	PROPN
fbem-24796	155	11	,	,	PUNCT
fbem-24796	155	12	and	and	CCONJ
fbem-24796	155	13	their	their	PRON
fbem-24796	155	14	financial	financial	ADJ
fbem-24796	155	15	management	management	NOUN
fbem-24796	155	16	methods	method	NOUN
fbem-24796	155	17	are	be	AUX
fbem-24796	155	18	relatively	relatively	ADV
fbem-24796	155	19	single	single	ADJ
fbem-24796	155	20	.	.	PUNCT
fbem-24796	156	1	table	table	NOUN
fbem-24796	156	2	3	3	NUM
fbem-24796	156	3	.	.	PUNCT
fbem-24796	156	4	correlation	correlation	NOUN
fbem-24796	156	5	analysis	analysis	NOUN
fbem-24796	156	6	between	between	ADP
fbem-24796	156	7	virtual	virtual	ADJ
fbem-24796	156	8	payment	payment	NOUN
fbem-24796	156	9	and	and	CCONJ
fbem-24796	156	10	consumer	consumer	NOUN
fbem-24796	156	11	behavior	behavior	NOUN
fbem-24796	156	12	of	of	ADP
fbem-24796	156	13	college	college	NOUN
fbem-24796	156	14	students	student	NOUN
fbem-24796	156	15	consumer	consumer	NOUN
fbem-24796	156	16	psychology	psychology	NOUN
fbem-24796	156	17	consumption	consumption	NOUN
fbem-24796	156	18	level	level	NOUN
fbem-24796	156	19	consumption	consumption	NOUN
fbem-24796	156	20	structure	structure	NOUN
fbem-24796	156	21	consumer	consumer	NOUN
fbem-24796	156	22	experience	experience	NOUN
fbem-24796	156	23	convenience	convenience	NOUN
fbem-24796	156	24	pearson	pearson	PROPN
fbem-24796	156	25	correlation	correlation	NOUN
fbem-24796	156	26	0.318	0.318	NUM
fbem-24796	156	27	*	*	PUNCT
fbem-24796	156	28	*	*	PUNCT
fbem-24796	156	29	*	*	PUNCT
fbem-24796	156	30	0.523	0.523	NUM
fbem-24796	156	31	*	*	PUNCT
fbem-24796	156	32	*	*	PUNCT
fbem-24796	156	33	*	*	PUNCT
fbem-24796	156	34	0.595	0.595	NUM
fbem-24796	156	35	*	*	PUNCT
fbem-24796	156	36	*	*	PUNCT
fbem-24796	156	37	*	*	PUNCT
fbem-24796	156	38	0.575	0.575	NUM
fbem-24796	156	39	*	*	PUNCT
fbem-24796	156	40	*	*	NOUN
fbem-24796	156	41	*	*	NOUN
fbem-24796	156	42	significance	significance	NOUN
fbem-24796	156	43	(	(	PUNCT
fbem-24796	156	44	bilateral	bilateral	ADJ
fbem-24796	156	45	)	)	PUNCT
fbem-24796	156	46	0.000	0.000	NUM
fbem-24796	156	47	0.000	0.000	NUM
fbem-24796	156	48	0.000	0.000	NUM
fbem-24796	156	49	0.000	0.000	NUM
fbem-24796	156	50	security	security	NOUN
fbem-24796	156	51	pearson	pearson	NOUN
fbem-24796	156	52	correlation	correlation	NOUN
fbem-24796	156	53	-0.097	-0.097	PUNCT
fbem-24796	156	54	*	*	SYM
fbem-24796	156	55	0.092	0.092	NUM
fbem-24796	156	56	*	*	PUNCT
fbem-24796	156	57	0.145	0.145	NUM
fbem-24796	156	58	*	*	PUNCT
fbem-24796	156	59	*	*	PUNCT
fbem-24796	156	60	*	*	PUNCT
fbem-24796	156	61	0.184	0.184	NUM
fbem-24796	156	62	*	*	PUNCT
fbem-24796	156	63	*	*	PUNCT
fbem-24796	156	64	*	*	NOUN
fbem-24796	156	65	significance	significance	NOUN
fbem-24796	156	66	(	(	PUNCT
fbem-24796	156	67	bilateral	bilateral	ADJ
fbem-24796	156	68	)	)	PUNCT
fbem-24796	156	69	0.067	0.067	NUM
fbem-24796	156	70	0.076	0.076	NUM
fbem-24796	156	71	0.005	0.005	NUM
fbem-24796	156	72	0.000	0.000	NUM
fbem-24796	156	73	integration	integration	NOUN
fbem-24796	156	74	pearson	pearson	NOUN
fbem-24796	156	75	correlation	correlation	NOUN
fbem-24796	156	76	0.370	0.370	NUM
fbem-24796	156	77	*	*	PUNCT
fbem-24796	156	78	*	*	PUNCT
fbem-24796	156	79	*	*	PUNCT
fbem-24796	156	80	0.587	0.587	NUM
fbem-24796	156	81	*	*	PUNCT
fbem-24796	156	82	*	*	PUNCT
fbem-24796	156	83	*	*	PUNCT
fbem-24796	156	84	0.666	0.666	NUM
fbem-24796	156	85	*	*	PUNCT
fbem-24796	156	86	*	*	PUNCT
fbem-24796	156	87	*	*	PUNCT
fbem-24796	156	88	0.657	0.657	NUM
fbem-24796	156	89	*	*	PUNCT
fbem-24796	156	90	*	*	PUNCT
fbem-24796	156	91	*	*	NOUN
fbem-24796	156	92	significance	significance	NOUN
fbem-24796	156	93	(	(	PUNCT
fbem-24796	156	94	bilateral	bilateral	ADJ
fbem-24796	156	95	)	)	PUNCT
fbem-24796	156	96	0.000	0.000	NUM
fbem-24796	156	97	0.000	0.000	NUM
fbem-24796	156	98	0.000	0.000	NUM
fbem-24796	156	99	0.000	0.000	NUM
fbem-24796	156	100	note	note	NOUN
fbem-24796	156	101	:	:	PUNCT
fbem-24796	157	1	1	1	X
fbem-24796	157	2	.	.	NUM
fbem-24796	157	3	*	*	PUNCT
fbem-24796	157	4	indicates	indicate	VERB
fbem-24796	157	5	significant	significant	ADJ
fbem-24796	157	6	correlation	correlation	NOUN
fbem-24796	157	7	at	at	ADP
fbem-24796	157	8	the	the	DET
fbem-24796	157	9	0.1	0.1	NUM
fbem-24796	157	10	level	level	NOUN
fbem-24796	157	11	(	(	PUNCT
fbem-24796	157	12	bilateral	bilateral	ADJ
fbem-24796	157	13	)	)	PUNCT
fbem-24796	157	14	;	;	PUNCT
fbem-24796	157	15	2	2	X
fbem-24796	157	16	.	.	X
fbem-24796	157	17	*	*	PUNCT
fbem-24796	157	18	*	*	PUNCT
fbem-24796	157	19	indicates	indicate	VERB
fbem-24796	157	20	a	a	DET
fbem-24796	157	21	significant	significant	ADJ
fbem-24796	157	22	correlation	correlation	NOUN
fbem-24796	157	23	at	at	ADP
fbem-24796	157	24	the	the	DET
fbem-24796	157	25	0.05	0.05	NUM
fbem-24796	157	26	level	level	NOUN
fbem-24796	157	27	(	(	PUNCT
fbem-24796	157	28	bilateral	bilateral	ADJ
fbem-24796	157	29	)	)	PUNCT
fbem-24796	157	30	;	;	PUNCT
fbem-24796	158	1	3	3	X
fbem-24796	158	2	.	.	X
fbem-24796	158	3	*	*	PUNCT
fbem-24796	159	1	*	*	PUNCT
fbem-24796	159	2	*	*	PUNCT
fbem-24796	159	3	indicates	indicate	VERB
fbem-24796	159	4	significant	significant	ADJ
fbem-24796	159	5	correlation	correlation	NOUN
fbem-24796	159	6	at	at	ADP
fbem-24796	159	7	0.01	0.01	NUM
fbem-24796	159	8	level	level	NOUN
fbem-24796	159	9	(	(	PUNCT
fbem-24796	159	10	bilateral	bilateral	ADJ
fbem-24796	159	11	)	)	PUNCT
fbem-24796	159	12	table	table	NOUN
fbem-24796	159	13	4	4	NUM
fbem-24796	159	14	.	.	PUNCT
fbem-24796	159	15	model	model	NOUN
fbem-24796	159	16	test	test	NOUN
fbem-24796	159	17	results	result	NOUN
fbem-24796	159	18	of	of	ADP
fbem-24796	159	19	virtual	virtual	ADJ
fbem-24796	159	20	payment	payment	NOUN
fbem-24796	159	21	and	and	CCONJ
fbem-24796	159	22	consumer	consumer	NOUN
fbem-24796	159	23	psychology	psychology	NOUN
fbem-24796	159	24	model	model	NOUN
fbem-24796	159	25	sum	sum	NOUN
fbem-24796	159	26	of	of	ADP
fbem-24796	159	27	squares	square	NOUN
fbem-24796	159	28	degree	degree	NOUN
fbem-24796	159	29	of	of	ADP
fbem-24796	159	30	freedom	freedom	NOUN
fbem-24796	159	31	mean	mean	VERB
fbem-24796	159	32	squared	square	VERB
fbem-24796	159	33	f	f	X
fbem-24796	159	34	-	-	PUNCT
fbem-24796	159	35	value	value	NOUN
fbem-24796	159	36	signi	signi	ADJ
fbem-24796	159	37	fican	fican	NOUN
fbem-24796	159	38	ce	ce	PROPN
fbem-24796	159	39	regressi	regressi	VERB
fbem-24796	159	40	on	on	ADP
fbem-24796	159	41	36.339	36.339	NUM
fbem-24796	159	42	2	2	NUM
fbem-24796	159	43	18.170	18.170	NUM
fbem-24796	159	44	33.225	33.225	NUM
fbem-24796	159	45	0.000	0.000	NUM
fbem-24796	159	46	residual	residual	ADJ
fbem-24796	159	47	203.432	203.432	NUM
fbem-24796	159	48	316	316	NUM
fbem-24796	159	49	0.547	0.547	NUM
fbem-24796	159	50	total	total	ADJ
fbem-24796	159	51	239.771	239.771	NUM
fbem-24796	159	52	374	374	NUM
fbem-24796	159	53	table	table	NOUN
fbem-24796	159	54	5	5	NUM
fbem-24796	159	55	.	.	PUNCT
fbem-24796	159	56	model	model	NOUN
fbem-24796	159	57	test	test	NOUN
fbem-24796	159	58	results	result	NOUN
fbem-24796	159	59	of	of	ADP
fbem-24796	159	60	virtual	virtual	ADJ
fbem-24796	159	61	payment	payment	NOUN
fbem-24796	159	62	and	and	CCONJ
fbem-24796	159	63	consumer	consumer	NOUN
fbem-24796	159	64	psychology	psychology	NOUN
fbem-24796	159	65	variables	variable	NOUN
fbem-24796	159	66	coefficient	coefficient	VERB
fbem-24796	159	67	standard	standard	ADJ
fbem-24796	159	68	error	error	NOUN
fbem-24796	159	69	t	t	NOUN
fbem-24796	159	70	-	-	PUNCT
fbem-24796	159	71	value	value	NOUN
fbem-24796	159	72	display	display	NOUN
fbem-24796	159	73	enthalpy	enthalpy	NOUN
fbem-24796	159	74	constant	constant	ADJ
fbem-24796	159	75	term	term	NOUN
fbem-24796	159	76	1.148	1.148	NUM
fbem-24796	159	77	0.251	0.251	NUM
fbem-24796	159	78	4.568	4.568	NUM
fbem-24796	159	79	0.000	0.000	NUM
fbem-24796	159	80	convenience	convenience	NOUN
fbem-24796	159	81	0.121	0.121	NUM
fbem-24796	159	82	0.003	0.003	NUM
fbem-24796	159	83	3.115	3.115	NUM
fbem-24796	159	84	0.000	0.000	NUM
fbem-24796	159	85	security	security	NOUN
fbem-24796	160	1	0.298	0.298	NUM
fbem-24796	160	2	0.064	0.064	NUM
fbem-24796	160	3	4.696	4.696	NUM
fbem-24796	160	4	0.000	0.000	NUM
fbem-24796	160	5	integration	integration	NOUN
fbem-24796	160	6	0.211	0.211	NUM
fbem-24796	160	7	0.050	0.050	NUM
fbem-24796	160	8	4.220	4.220	NUM
fbem-24796	160	9	0.000	0.000	NUM
fbem-24796	160	10	note	note	NOUN
fbem-24796	160	11	:	:	PUNCT
fbem-24796	160	12	the	the	DET
fbem-24796	160	13	r	r	NOUN
fbem-24796	160	14	-	-	PUNCT
fbem-24796	160	15	squared	square	VERB
fbem-24796	160	16	of	of	ADP
fbem-24796	160	17	the	the	DET
fbem-24796	160	18	model	model	NOUN
fbem-24796	160	19	and	and	CCONJ
fbem-24796	160	20	the	the	DET
fbem-24796	160	21	adjusted	adjust	VERB
fbem-24796	160	22	rsquared	rsquare	VERB
fbem-24796	160	23	are	be	AUX
fbem-24796	160	24	0.152	0.152	NUM
fbem-24796	160	25	and	and	CCONJ
fbem-24796	160	26	0.147	0.147	NUM
fbem-24796	160	27	,	,	PUNCT
fbem-24796	160	28	respectively	respectively	ADV
fbem-24796	160	29	.	.	PUNCT
fbem-24796	161	1	in	in	ADP
fbem-24796	161	2	summary	summary	NOUN
fbem-24796	161	3	,	,	PUNCT
fbem-24796	161	4	the	the	DET
fbem-24796	161	5	convenience	convenience	NOUN
fbem-24796	161	6	,	,	PUNCT
fbem-24796	161	7	security	security	NOUN
fbem-24796	161	8	,	,	PUNCT
fbem-24796	161	9	and	and	CCONJ
fbem-24796	161	10	integration	integration	NOUN
fbem-24796	161	11	of	of	ADP
fbem-24796	161	12	virtual	virtual	ADJ
fbem-24796	161	13	payments	payment	NOUN
fbem-24796	161	14	will	will	AUX
fbem-24796	161	15	have	have	VERB
fbem-24796	161	16	an	an	DET
fbem-24796	161	17	impact	impact	NOUN
fbem-24796	161	18	on	on	ADP
fbem-24796	161	19	the	the	DET
fbem-24796	161	20	consumption	consumption	NOUN
fbem-24796	161	21	psychology	psychology	NOUN
fbem-24796	161	22	of	of	ADP
fbem-24796	161	23	college	college	NOUN
fbem-24796	161	24	students	student	NOUN
fbem-24796	161	25	,	,	PUNCT
fbem-24796	161	26	such	such	ADJ
fbem-24796	161	27	as	as	ADP
fbem-24796	161	28	impulsive	impulsive	ADJ
fbem-24796	161	29	consumption	consumption	NOUN
fbem-24796	161	30	,	,	PUNCT
fbem-24796	161	31	flashy	flashy	ADJ
fbem-24796	161	32	consumption	consumption	NOUN
fbem-24796	161	33	,	,	PUNCT
fbem-24796	161	34	and	and	CCONJ
fbem-24796	161	35	advanced	advanced	ADJ
fbem-24796	161	36	consumption	consumption	NOUN
fbem-24796	161	37	.	.	PUNCT
fbem-24796	162	1	3.4.2	3.4.2	X
fbem-24796	162	2	.	.	PUNCT
fbem-24796	162	3	virtual	virtual	ADJ
fbem-24796	162	4	payment	payment	NOUN
fbem-24796	162	5	can	can	AUX
fbem-24796	162	6	enhance	enhance	VERB
fbem-24796	162	7	consumer	consumer	NOUN
fbem-24796	162	8	experience	experience	NOUN
fbem-24796	162	9	consumer	consumer	NOUN
fbem-24796	162	10	behavior	behavior	NOUN
fbem-24796	162	11	not	not	PART
fbem-24796	162	12	only	only	ADV
fbem-24796	162	13	refers	refer	VERB
fbem-24796	162	14	to	to	ADP
fbem-24796	162	15	the	the	DET
fbem-24796	162	16	consumption	consumption	NOUN
fbem-24796	162	17	psychology	psychology	NOUN
fbem-24796	162	18	before	before	ADP
fbem-24796	162	19	consumption	consumption	NOUN
fbem-24796	162	20	and	and	CCONJ
fbem-24796	162	21	the	the	DET
fbem-24796	162	22	consumption	consumption	NOUN
fbem-24796	162	23	level	level	NOUN
fbem-24796	162	24	and	and	CCONJ
fbem-24796	162	25	structure	structure	NOUN
fbem-24796	162	26	during	during	ADP
fbem-24796	162	27	the	the	DET
fbem-24796	162	28	consumption	consumption	NOUN
fbem-24796	162	29	process	process	NOUN
fbem-24796	162	30	,	,	PUNCT
fbem-24796	162	31	but	but	CCONJ
fbem-24796	162	32	also	also	ADV
fbem-24796	162	33	includes	include	VERB
fbem-24796	162	34	the	the	DET
fbem-24796	162	35	consumption	consumption	NOUN
fbem-24796	162	36	experience	experience	NOUN
fbem-24796	162	37	after	after	ADP
fbem-24796	162	38	consumption	consumption	NOUN
fbem-24796	162	39	.	.	PUNCT
fbem-24796	163	1	according	accord	VERB
fbem-24796	163	2	to	to	ADP
fbem-24796	163	3	the	the	DET
fbem-24796	163	4	correlation	correlation	NOUN
fbem-24796	163	5	analysis	analysis	NOUN
fbem-24796	163	6	results	result	NOUN
fbem-24796	163	7	in	in	ADP
fbem-24796	163	8	table	table	NOUN
fbem-24796	163	9	3	3	NUM
fbem-24796	163	10	,	,	PUNCT
fbem-24796	163	11	it	it	PRON
fbem-24796	163	12	can	can	AUX
fbem-24796	163	13	be	be	AUX
fbem-24796	163	14	seen	see	VERB
fbem-24796	163	15	that	that	SCONJ
fbem-24796	163	16	the	the	DET
fbem-24796	163	17	convenience	convenience	NOUN
fbem-24796	163	18	,	,	PUNCT
fbem-24796	163	19	security	security	NOUN
fbem-24796	163	20	,	,	PUNCT
fbem-24796	163	21	and	and	CCONJ
fbem-24796	163	22	integration	integration	NOUN
fbem-24796	163	23	of	of	ADP
fbem-24796	163	24	virtual	virtual	ADJ
fbem-24796	163	25	payments	payment	NOUN
fbem-24796	163	26	have	have	VERB
fbem-24796	163	27	a	a	DET
fbem-24796	163	28	high	high	ADJ
fbem-24796	163	29	positive	positive	ADJ
fbem-24796	163	30	correlation	correlation	NOUN
fbem-24796	163	31	with	with	ADP
fbem-24796	163	32	the	the	DET
fbem-24796	163	33	consumption	consumption	NOUN
fbem-24796	163	34	experience	experience	NOUN
fbem-24796	163	35	of	of	ADP
fbem-24796	163	36	college	college	NOUN
fbem-24796	163	37	students	student	NOUN
fbem-24796	163	38	.	.	PUNCT
fbem-24796	164	1	the	the	DET
fbem-24796	164	2	pearson	pearson	PROPN
fbem-24796	164	3	correlation	correlation	NOUN
fbem-24796	164	4	coefficients	coefficient	NOUN
fbem-24796	164	5	are	be	AUX
fbem-24796	164	6	0.575	0.575	NUM
fbem-24796	164	7	,	,	PUNCT
fbem-24796	164	8	0.184	0.184	NUM
fbem-24796	164	9	,	,	PUNCT
fbem-24796	164	10	and	and	CCONJ
fbem-24796	164	11	0.657	0.657	NUM
fbem-24796	164	12	,	,	PUNCT
fbem-24796	164	13	respectively	respectively	ADV
fbem-24796	164	14	,	,	PUNCT
fbem-24796	164	15	and	and	CCONJ
fbem-24796	164	16	these	these	DET
fbem-24796	164	17	correlations	correlation	NOUN
fbem-24796	164	18	are	be	AUX
fbem-24796	164	19	statistically	statistically	ADV
fbem-24796	164	20	significant	significant	ADJ
fbem-24796	164	21	at	at	ADP
fbem-24796	164	22	the	the	DET
fbem-24796	164	23	0.01	0.01	NUM
fbem-24796	164	24	level	level	NOUN
fbem-24796	164	25	.	.	PUNCT
fbem-24796	165	1	therefore	therefore	ADV
fbem-24796	165	2	,	,	PUNCT
fbem-24796	165	3	it	it	PRON
fbem-24796	165	4	can	can	AUX
fbem-24796	165	5	be	be	AUX
fbem-24796	165	6	concluded	conclude	VERB
fbem-24796	165	7	that	that	SCONJ
fbem-24796	165	8	the	the	DET
fbem-24796	165	9	convenience	convenience	NOUN
fbem-24796	165	10	,	,	PUNCT
fbem-24796	165	11	security	security	NOUN
fbem-24796	165	12	,	,	PUNCT
fbem-24796	165	13	and	and	CCONJ
fbem-24796	165	14	integration	integration	NOUN
fbem-24796	165	15	of	of	ADP
fbem-24796	165	16	virtual	virtual	ADJ
fbem-24796	165	17	payments	payment	NOUN
fbem-24796	165	18	can	can	AUX
fbem-24796	165	19	improve	improve	VERB
fbem-24796	165	20	the	the	DET
fbem-24796	165	21	consumer	consumer	NOUN
fbem-24796	165	22	experience	experience	NOUN
fbem-24796	165	23	.	.	PUNCT
fbem-24796	166	1	however	however	ADV
fbem-24796	166	2	,	,	PUNCT
fbem-24796	166	3	compared	compare	VERB
fbem-24796	166	4	to	to	ADP
fbem-24796	166	5	convenience	convenience	NOUN
fbem-24796	166	6	and	and	CCONJ
fbem-24796	166	7	integration	integration	NOUN
fbem-24796	166	8	,	,	PUNCT
fbem-24796	166	9	college	college	NOUN
fbem-24796	166	10	students	student	NOUN
fbem-24796	166	11	are	be	AUX
fbem-24796	166	12	more	more	ADV
fbem-24796	166	13	concerned	concerned	ADJ
fbem-24796	166	14	about	about	ADP
fbem-24796	166	15	the	the	DET
fbem-24796	166	16	security	security	NOUN
fbem-24796	166	17	of	of	ADP
fbem-24796	166	18	virtual	virtual	ADJ
fbem-24796	166	19	payments	payment	NOUN
fbem-24796	166	20	,	,	PUNCT
fbem-24796	166	21	so	so	CCONJ
fbem-24796	166	22	the	the	DET
fbem-24796	166	23	correlation	correlation	NOUN
fbem-24796	166	24	between	between	ADP
fbem-24796	166	25	security	security	NOUN
fbem-24796	166	26	and	and	CCONJ
fbem-24796	166	27	consumer	consumer	NOUN
fbem-24796	166	28	experience	experience	NOUN
fbem-24796	166	29	is	be	AUX
fbem-24796	166	30	the	the	DET
fbem-24796	166	31	lowest	low	ADJ
fbem-24796	166	32	.	.	PUNCT
fbem-24796	167	1	tables	table	NOUN
fbem-24796	167	2	6	6	NUM
fbem-24796	167	3	and	and	CCONJ
fbem-24796	167	4	7	7	NUM
fbem-24796	167	5	show	show	VERB
fbem-24796	167	6	the	the	DET
fbem-24796	167	7	model	model	NOUN
fbem-24796	167	8	and	and	CCONJ
fbem-24796	167	9	regression	regression	NOUN
fbem-24796	167	10	coefficient	coefficient	NOUN
fbem-24796	167	11	test	test	NOUN
fbem-24796	167	12	results	result	NOUN
fbem-24796	167	13	of	of	ADP
fbem-24796	167	14	virtual	virtual	ADJ
fbem-24796	167	15	payment	payment	NOUN
fbem-24796	167	16	and	and	CCONJ
fbem-24796	167	17	consumer	consumer	NOUN
fbem-24796	167	18	experience	experience	NOUN
fbem-24796	167	19	,	,	PUNCT
fbem-24796	167	20	respectively	respectively	ADV
fbem-24796	167	21	.	.	PUNCT
fbem-24796	168	1	the	the	DET
fbem-24796	168	2	r	r	NOUN
fbem-24796	168	3	-	-	PUNCT
fbem-24796	168	4	squared	square	VERB
fbem-24796	168	5	values	value	NOUN
fbem-24796	168	6	of	of	ADP
fbem-24796	168	7	the	the	DET
fbem-24796	168	8	model	model	NOUN
fbem-24796	168	9	and	and	CCONJ
fbem-24796	168	10	adjusted	adjust	VERB
fbem-24796	168	11	r	r	NOUN
fbem-24796	168	12	-	-	PUNCT
fbem-24796	168	13	squared	square	VERB
fbem-24796	168	14	values	value	NOUN
fbem-24796	168	15	are	be	AUX
fbem-24796	168	16	0.348	0.348	NUM
fbem-24796	168	17	and	and	CCONJ
fbem-24796	168	18	0.345	0.345	NUM
fbem-24796	168	19	,	,	PUNCT
fbem-24796	168	20	respectively	respectively	ADV
fbem-24796	168	21	.	.	PUNCT
fbem-24796	169	1	this	this	DET
fbem-24796	169	2	regression	regression	NOUN
fbem-24796	169	3	model	model	NOUN
fbem-24796	169	4	can	can	AUX
fbem-24796	169	5	explain	explain	VERB
fbem-24796	169	6	34.8	34.8	NUM
fbem-24796	169	7	%	%	NOUN
fbem-24796	169	8	of	of	ADP
fbem-24796	169	9	the	the	DET
fbem-24796	169	10	total	total	ADJ
fbem-24796	169	11	variation	variation	NOUN
fbem-24796	169	12	in	in	ADP
fbem-24796	169	13	consumer	consumer	NOUN
fbem-24796	169	14	behavior	behavior	NOUN
fbem-24796	169	15	among	among	ADP
fbem-24796	169	16	college	college	NOUN
fbem-24796	169	17	students	student	NOUN
fbem-24796	169	18	.	.	PUNCT
fbem-24796	170	1	the	the	DET
fbem-24796	170	2	f	f	NOUN
fbem-24796	170	3	-	-	PUNCT
fbem-24796	170	4	value	value	NOUN
fbem-24796	170	5	of	of	ADP
fbem-24796	170	6	the	the	DET
fbem-24796	170	7	model	model	NOUN
fbem-24796	170	8	is	be	AUX
fbem-24796	170	9	99.337	99.337	NUM
fbem-24796	170	10	,	,	PUNCT
fbem-24796	170	11	corresponding	correspond	VERB
fbem-24796	170	12	to	to	ADP
fbem-24796	170	13	a	a	DET
fbem-24796	170	14	pvalue	pvalue	NOUN
fbem-24796	170	15	of	of	ADP
fbem-24796	170	16	0.000	0.000	NUM
fbem-24796	170	17	,	,	PUNCT
fbem-24796	170	18	and	and	CCONJ
fbem-24796	170	19	the	the	DET
fbem-24796	170	20	p	p	NOUN
fbem-24796	170	21	-	-	PUNCT
fbem-24796	170	22	values	value	NOUN
fbem-24796	170	23	of	of	ADP
fbem-24796	170	24	each	each	DET
fbem-24796	170	25	coefficient	coefficient	NOUN
fbem-24796	170	26	are	be	AUX
fbem-24796	170	27	all	all	ADV
fbem-24796	170	28	less	less	ADJ
fbem-24796	170	29	than	than	ADP
fbem-24796	170	30	0.05	0.05	NUM
fbem-24796	170	31	,	,	PUNCT
fbem-24796	170	32	indicating	indicate	VERB
fbem-24796	170	33	that	that	SCONJ
fbem-24796	170	34	the	the	DET
fbem-24796	170	35	convenience	convenience	NOUN
fbem-24796	170	36	,	,	PUNCT
fbem-24796	170	37	security	security	NOUN
fbem-24796	170	38	,	,	PUNCT
fbem-24796	170	39	and	and	CCONJ
fbem-24796	170	40	integration	integration	NOUN
fbem-24796	170	41	of	of	ADP
fbem-24796	170	42	virtual	virtual	ADJ
fbem-24796	170	43	payment	payment	NOUN
fbem-24796	170	44	will	will	AUX
fbem-24796	170	45	have	have	VERB
fbem-24796	170	46	an	an	DET
fbem-24796	170	47	impact	impact	NOUN
fbem-24796	170	48	on	on	ADP
fbem-24796	170	49	the	the	DET
fbem-24796	170	50	consumer	consumer	NOUN
fbem-24796	170	51	experience	experience	NOUN
fbem-24796	170	52	of	of	ADP
fbem-24796	170	53	college	college	NOUN
fbem-24796	170	54	students	student	NOUN
fbem-24796	170	55	in	in	ADP
fbem-24796	170	56	guangdong	guangdong	PROPN
fbem-24796	170	57	.	.	PUNCT
fbem-24796	171	1	virtual	virtual	ADJ
fbem-24796	171	2	payment	payment	NOUN
fbem-24796	171	3	can	can	AUX
fbem-24796	171	4	improve	improve	VERB
fbem-24796	171	5	the	the	DET
fbem-24796	171	6	consumption	consumption	NOUN
fbem-24796	171	7	experience	experience	NOUN
fbem-24796	171	8	of	of	ADP
fbem-24796	171	9	college	college	NOUN
fbem-24796	171	10	students	student	NOUN
fbem-24796	171	11	mainly	mainly	ADV
fbem-24796	171	12	because	because	SCONJ
fbem-24796	171	13	:	:	PUNCT
fbem-24796	171	14	firstly	firstly	ADV
fbem-24796	171	15	,	,	PUNCT
fbem-24796	171	16	the	the	DET
fbem-24796	171	17	payment	payment	NOUN
fbem-24796	171	18	process	process	NOUN
fbem-24796	171	19	provided	provide	VERB
fbem-24796	171	20	by	by	ADP
fbem-24796	171	21	virtual	virtual	ADJ
fbem-24796	171	22	payment	payment	NOUN
fbem-24796	171	23	platforms	platform	NOUN
fbem-24796	171	24	is	be	AUX
fbem-24796	171	25	convenient	convenient	ADJ
fbem-24796	171	26	and	and	CCONJ
fbem-24796	171	27	fast	fast	ADJ
fbem-24796	171	28	,	,	PUNCT
fbem-24796	171	29	and	and	CCONJ
fbem-24796	171	30	any	any	DET
fbem-24796	171	31	college	college	NOUN
fbem-24796	171	32	student	student	NOUN
fbem-24796	171	33	can	can	AUX
fbem-24796	171	34	proficiently	proficiently	ADV
fbem-24796	171	35	master	master	VERB
fbem-24796	171	36	the	the	DET
fbem-24796	171	37	virtual	virtual	ADJ
fbem-24796	171	38	payment	payment	NOUN
fbem-24796	171	39	process	process	NOUN
fbem-24796	171	40	.	.	PUNCT
fbem-24796	172	1	moreover	moreover	ADV
fbem-24796	172	2	,	,	PUNCT
fbem-24796	172	3	the	the	DET
fbem-24796	172	4	high	high	ADJ
fbem-24796	172	5	popularity	popularity	NOUN
fbem-24796	172	6	of	of	ADP
fbem-24796	172	7	virtual	virtual	ADJ
fbem-24796	172	8	payment	payment	NOUN
fbem-24796	172	9	allows	allow	VERB
fbem-24796	172	10	college	college	NOUN
fbem-24796	172	11	students	student	NOUN
fbem-24796	172	12	to	to	PART
fbem-24796	172	13	engage	engage	VERB
fbem-24796	172	14	in	in	ADP
fbem-24796	172	15	consumption	consumption	NOUN
fbem-24796	172	16	behavior	behavior	NOUN
fbem-24796	172	17	anytime	anytime	ADV
fbem-24796	172	18	,	,	PUNCT
fbem-24796	172	19	anywhere	anywhere	ADV
fbem-24796	172	20	.	.	PUNCT
fbem-24796	173	1	secondly	secondly	ADV
fbem-24796	173	2	,	,	PUNCT
fbem-24796	173	3	before	before	ADP
fbem-24796	173	4	consumption	consumption	NOUN
fbem-24796	173	5	,	,	PUNCT
fbem-24796	173	6	it	it	PRON
fbem-24796	173	7	is	be	AUX
fbem-24796	173	8	possible	possible	ADJ
fbem-24796	173	9	to	to	PART
fbem-24796	173	10	have	have	VERB
fbem-24796	173	11	a	a	DET
fbem-24796	173	12	better	well	ADJ
fbem-24796	173	13	understanding	understanding	NOUN
fbem-24796	173	14	of	of	ADP
fbem-24796	173	15	the	the	DET
fbem-24796	173	16	product	product	NOUN
fbem-24796	173	17	through	through	ADP
fbem-24796	173	18	virtual	virtual	ADJ
fbem-24796	173	19	payment	payment	NOUN
fbem-24796	173	20	platforms	platform	NOUN
fbem-24796	173	21	and	and	CCONJ
fbem-24796	173	22	have	have	VERB
fbem-24796	173	23	a	a	DET
fbem-24796	173	24	longer	long	ADJ
fbem-24796	173	25	time	time	NOUN
fbem-24796	173	26	to	to	PART
fbem-24796	173	27	make	make	VERB
fbem-24796	173	28	purchasing	purchasing	NOUN
fbem-24796	173	29	decisions	decision	NOUN
fbem-24796	173	30	.	.	PUNCT
fbem-24796	174	1	moreover	moreover	ADV
fbem-24796	174	2	,	,	PUNCT
fbem-24796	174	3	in	in	ADP
fbem-24796	174	4	the	the	DET
fbem-24796	174	5	process	process	NOUN
fbem-24796	174	6	of	of	ADP
fbem-24796	174	7	selecting	select	VERB
fbem-24796	174	8	and	and	CCONJ
fbem-24796	174	9	comparing	compare	VERB
fbem-24796	174	10	products	product	NOUN
fbem-24796	174	11	,	,	PUNCT
fbem-24796	174	12	there	there	PRON
fbem-24796	174	13	is	be	VERB
fbem-24796	174	14	no	no	DET
fbem-24796	174	15	communication	communication	NOUN
fbem-24796	174	16	between	between	ADP
fbem-24796	174	17	sales	sale	NOUN
fbem-24796	174	18	personnel	personnel	NOUN
fbem-24796	174	19	and	and	CCONJ
fbem-24796	174	20	them	they	PRON
fbem-24796	174	21	,	,	PUNCT
fbem-24796	174	22	which	which	PRON
fbem-24796	174	23	can	can	AUX
fbem-24796	174	24	successfully	successfully	ADV
fbem-24796	174	25	avoid	avoid	VERB
fbem-24796	174	26	unpleasant	unpleasant	ADJ
fbem-24796	174	27	situations	situation	NOUN
fbem-24796	174	28	.	.	PUNCT
fbem-24796	175	1	therefore	therefore	ADV
fbem-24796	175	2	,	,	PUNCT
fbem-24796	175	3	college	college	NOUN
fbem-24796	175	4	students	student	NOUN
fbem-24796	175	5	are	be	AUX
fbem-24796	175	6	often	often	ADV
fbem-24796	175	7	more	more	ADV
fbem-24796	175	8	satisfied	satisfied	ADJ
fbem-24796	175	9	with	with	ADP
fbem-24796	175	10	the	the	DET
fbem-24796	175	11	purchased	purchase	VERB
fbem-24796	175	12	products	product	NOUN
fbem-24796	175	13	.	.	PUNCT
fbem-24796	176	1	thirdly	thirdly	ADV
fbem-24796	176	2	,	,	PUNCT
fbem-24796	176	3	most	most	ADJ
fbem-24796	176	4	college	college	NOUN
fbem-24796	176	5	students	student	NOUN
fbem-24796	176	6	believe	believe	VERB
fbem-24796	176	7	that	that	SCONJ
fbem-24796	176	8	purchasing	purchase	VERB
fbem-24796	176	9	goods	good	NOUN
fbem-24796	176	10	or	or	CCONJ
fbem-24796	176	11	services	service	NOUN
fbem-24796	176	12	through	through	ADP
fbem-24796	176	13	virtual	virtual	ADJ
fbem-24796	176	14	payments	payment	NOUN
fbem-24796	176	15	is	be	AUX
fbem-24796	176	16	a	a	DET
fbem-24796	176	17	relatively	relatively	ADV
fbem-24796	176	18	enjoyable	enjoyable	ADJ
fbem-24796	176	19	thing	thing	NOUN
fbem-24796	176	20	,	,	PUNCT
fbem-24796	176	21	and	and	CCONJ
fbem-24796	176	22	its	its	PRON
fbem-24796	176	23	convenient	convenient	ADJ
fbem-24796	176	24	features	feature	NOUN
fbem-24796	176	25	allow	allow	VERB
fbem-24796	176	26	college	college	NOUN
fbem-24796	176	27	students	student	NOUN
fbem-24796	176	28	to	to	PART
fbem-24796	176	29	avoid	avoid	VERB
fbem-24796	176	30	the	the	DET
fbem-24796	176	31	trouble	trouble	NOUN
fbem-24796	176	32	of	of	ADP
fbem-24796	176	33	withdrawal	withdrawal	NOUN
fbem-24796	176	34	and	and	CCONJ
fbem-24796	176	35	change	change	NOUN
fbem-24796	176	36	,	,	PUNCT
fbem-24796	176	37	while	while	SCONJ
fbem-24796	176	38	also	also	ADV
fbem-24796	176	39	saving	save	VERB
fbem-24796	176	40	shopping	shopping	NOUN
fbem-24796	176	41	time	time	NOUN
fbem-24796	176	42	.	.	PUNCT
fbem-24796	177	1	456	456	NUM
fbem-24796	177	2	table	table	NOUN
fbem-24796	177	3	6	6	NUM
fbem-24796	177	4	.	.	PUNCT
fbem-24796	177	5	model	model	NOUN
fbem-24796	177	6	testing	testing	NOUN
fbem-24796	177	7	results	result	NOUN
fbem-24796	177	8	of	of	ADP
fbem-24796	177	9	virtual	virtual	ADJ
fbem-24796	177	10	payment	payment	NOUN
fbem-24796	177	11	and	and	CCONJ
fbem-24796	177	12	consumer	consumer	NOUN
fbem-24796	177	13	experience	experience	NOUN
fbem-24796	177	14	model	model	NOUN
fbem-24796	177	15	sum	sum	NOUN
fbem-24796	177	16	of	of	ADP
fbem-24796	177	17	squares	square	NOUN
fbem-24796	177	18	degree	degree	NOUN
fbem-24796	177	19	of	of	ADP
fbem-24796	177	20	freedom	freedom	NOUN
fbem-24796	177	21	mean	mean	VERB
fbem-24796	177	22	squared	square	VERB
fbem-24796	177	23	fvalue	fvalue	NOUN
fbem-24796	177	24	signi	signi	PROPN
fbem-24796	177	25	fican	fican	PROPN
fbem-24796	177	26	ce	ce	PROPN
fbem-24796	177	27	regressio	regressio	PROPN
fbem-24796	177	28	n	n	PROPN
fbem-24796	177	29	72.772	72.772	NUM
fbem-24796	177	30	2	2	NUM
fbem-24796	177	31	36.386	36.386	NUM
fbem-24796	177	32	99.33	99.33	NUM
fbem-24796	177	33	7	7	NUM
fbem-24796	177	34	0.000	0.000	NUM
fbem-24796	177	35	residual	residual	ADJ
fbem-24796	177	36	136.258	136.258	NUM
fbem-24796	177	37	316	316	NUM
fbem-24796	177	38	0.366	0.366	NUM
fbem-24796	177	39	total	total	ADJ
fbem-24796	177	40	209.030	209.030	NUM
fbem-24796	177	41	374	374	NUM
fbem-24796	177	42	table	table	NOUN
fbem-24796	177	43	7	7	NUM
fbem-24796	177	44	.	.	PUNCT
fbem-24796	178	1	regression	regression	NOUN
fbem-24796	178	2	coefficient	coefficient	NOUN
fbem-24796	178	3	test	test	NOUN
fbem-24796	178	4	results	result	NOUN
fbem-24796	178	5	of	of	ADP
fbem-24796	178	6	virtual	virtual	ADJ
fbem-24796	178	7	payment	payment	NOUN
fbem-24796	178	8	and	and	CCONJ
fbem-24796	178	9	consumer	consumer	NOUN
fbem-24796	178	10	psychology	psychology	NOUN
fbem-24796	178	11	variables	variable	NOUN
fbem-24796	178	12	coefficient	coefficient	VERB
fbem-24796	178	13	standard	standard	ADJ
fbem-24796	178	14	error	error	NOUN
fbem-24796	178	15	t	t	NOUN
fbem-24796	178	16	-	-	PUNCT
fbem-24796	178	17	value	value	NOUN
fbem-24796	178	18	display	display	NOUN
fbem-24796	178	19	enthalpy	enthalpy	NOUN
fbem-24796	178	20	constant	constant	ADJ
fbem-24796	178	21	term	term	NOUN
fbem-24796	178	22	1.295	1.295	NUM
fbem-24796	178	23	0.206	0.206	NUM
fbem-24796	178	24	6.295	6.295	NUM
fbem-24796	178	25	0.000	0.000	NUM
fbem-24796	178	26	convenience	convenience	NOUN
fbem-24796	178	27	0.125	0.125	NUM
fbem-24796	178	28	0.048	0.048	NUM
fbem-24796	178	29	2.579	2.579	NUM
fbem-24796	178	30	0.000	0.000	NUM
fbem-24796	178	31	security	security	NOUN
fbem-24796	178	32	0.162	0.162	NUM
fbem-24796	178	33	0.052	0.052	NUM
fbem-24796	178	34	3.106	3.106	NUM
fbem-24796	178	35	0.002	0.002	NUM
fbem-24796	178	36	integration	integration	NOUN
fbem-24796	178	37	0.464	0.464	NUM
fbem-24796	178	38	0.041	0.041	NUM
fbem-24796	178	39	11.349	11.349	NUM
fbem-24796	178	40	0.000	0.000	NUM
fbem-24796	178	41	note	note	NOUN
fbem-24796	178	42	:	:	PUNCT
fbem-24796	178	43	the	the	DET
fbem-24796	178	44	r	r	NOUN
fbem-24796	178	45	-	-	PUNCT
fbem-24796	178	46	squared	square	VERB
fbem-24796	178	47	of	of	ADP
fbem-24796	178	48	the	the	DET
fbem-24796	178	49	model	model	NOUN
fbem-24796	178	50	and	and	CCONJ
fbem-24796	178	51	the	the	DET
fbem-24796	178	52	adjusted	adjust	VERB
fbem-24796	178	53	rsquared	rsquare	VERB
fbem-24796	178	54	are	be	AUX
fbem-24796	178	55	0.348	0.348	NUM
fbem-24796	178	56	and	and	CCONJ
fbem-24796	178	57	0.345	0.345	NUM
fbem-24796	178	58	,	,	PUNCT
fbem-24796	178	59	respectively	respectively	ADV
fbem-24796	178	60	.	.	PUNCT
fbem-24796	179	1	4	4	X
fbem-24796	179	2	.	.	X
fbem-24796	179	3	conclusion	conclusion	NOUN
fbem-24796	179	4	according	accord	VERB
fbem-24796	179	5	to	to	ADP
fbem-24796	179	6	the	the	DET
fbem-24796	179	7	discussion	discussion	NOUN
fbem-24796	179	8	and	and	CCONJ
fbem-24796	179	9	analysis	analysis	NOUN
fbem-24796	179	10	in	in	ADP
fbem-24796	179	11	the	the	DET
fbem-24796	179	12	previous	previous	ADJ
fbem-24796	179	13	text	text	NOUN
fbem-24796	179	14	,	,	PUNCT
fbem-24796	179	15	virtual	virtual	ADJ
fbem-24796	179	16	payment	payment	NOUN
fbem-24796	179	17	not	not	PART
fbem-24796	179	18	only	only	ADV
fbem-24796	179	19	brings	bring	VERB
fbem-24796	179	20	convenience	convenience	NOUN
fbem-24796	179	21	to	to	ADP
fbem-24796	179	22	the	the	DET
fbem-24796	179	23	consumption	consumption	NOUN
fbem-24796	179	24	of	of	ADP
fbem-24796	179	25	college	college	NOUN
fbem-24796	179	26	students	student	NOUN
fbem-24796	179	27	,	,	PUNCT
fbem-24796	179	28	but	but	CCONJ
fbem-24796	179	29	also	also	ADV
fbem-24796	179	30	profoundly	profoundly	ADV
fbem-24796	179	31	affects	affect	VERB
fbem-24796	179	32	the	the	DET
fbem-24796	179	33	consumption	consumption	NOUN
fbem-24796	179	34	behavior	behavior	NOUN
fbem-24796	179	35	of	of	ADP
fbem-24796	179	36	guangdong	guangdong	PROPN
fbem-24796	179	37	college	college	PROPN
fbem-24796	179	38	students	student	NOUN
fbem-24796	179	39	.	.	PUNCT
fbem-24796	180	1	encouraging	encourage	VERB
fbem-24796	180	2	college	college	NOUN
fbem-24796	180	3	students	student	NOUN
fbem-24796	180	4	to	to	PART
fbem-24796	180	5	use	use	VERB
fbem-24796	180	6	virtual	virtual	ADJ
fbem-24796	180	7	payments	payment	NOUN
fbem-24796	180	8	in	in	ADP
fbem-24796	180	9	a	a	DET
fbem-24796	180	10	healthy	healthy	ADJ
fbem-24796	180	11	manner	manner	NOUN
fbem-24796	180	12	not	not	PART
fbem-24796	180	13	only	only	ADV
fbem-24796	180	14	has	have	VERB
fbem-24796	180	15	a	a	DET
fbem-24796	180	16	direct	direct	ADJ
fbem-24796	180	17	impact	impact	NOUN
fbem-24796	180	18	on	on	ADP
fbem-24796	180	19	cultivating	cultivate	VERB
fbem-24796	180	20	good	good	ADJ
fbem-24796	180	21	consumption	consumption	NOUN
fbem-24796	180	22	habits	habit	NOUN
fbem-24796	180	23	and	and	CCONJ
fbem-24796	180	24	establishing	establish	VERB
fbem-24796	180	25	reasonable	reasonable	ADJ
fbem-24796	180	26	values	value	NOUN
fbem-24796	180	27	,	,	PUNCT
fbem-24796	180	28	but	but	CCONJ
fbem-24796	180	29	also	also	ADV
fbem-24796	180	30	affects	affect	VERB
fbem-24796	180	31	the	the	DET
fbem-24796	180	32	rationality	rationality	NOUN
fbem-24796	180	33	of	of	ADP
fbem-24796	180	34	consumption	consumption	NOUN
fbem-24796	180	35	in	in	ADP
fbem-24796	180	36	our	our	PRON
fbem-24796	180	37	entire	entire	ADJ
fbem-24796	180	38	country	country	NOUN
fbem-24796	180	39	.	.	PUNCT
fbem-24796	181	1	in	in	ADP
fbem-24796	181	2	this	this	DET
fbem-24796	181	3	survey	survey	NOUN
fbem-24796	181	4	,	,	PUNCT
fbem-24796	181	5	there	there	PRON
fbem-24796	181	6	were	be	VERB
fbem-24796	181	7	a	a	DET
fbem-24796	181	8	total	total	NOUN
fbem-24796	181	9	of	of	ADP
fbem-24796	181	10	319	319	NUM
fbem-24796	181	11	effective	effective	ADJ
fbem-24796	181	12	respondents	respondent	NOUN
fbem-24796	181	13	,	,	PUNCT
fbem-24796	181	14	with	with	ADP
fbem-24796	181	15	males	male	NOUN
fbem-24796	181	16	accounting	account	VERB
fbem-24796	181	17	for	for	ADP
fbem-24796	181	18	35.40	35.40	NUM
fbem-24796	181	19	%	%	NOUN
fbem-24796	181	20	and	and	CCONJ
fbem-24796	181	21	females	female	NOUN
fbem-24796	181	22	accounting	account	VERB
fbem-24796	181	23	for	for	ADP
fbem-24796	181	24	64.60	64.60	NUM
fbem-24796	181	25	%	%	NOUN
fbem-24796	181	26	.	.	PUNCT
fbem-24796	182	1	the	the	DET
fbem-24796	182	2	reliability	reliability	NOUN
fbem-24796	182	3	and	and	CCONJ
fbem-24796	182	4	validity	validity	NOUN
fbem-24796	182	5	of	of	ADP
fbem-24796	182	6	the	the	DET
fbem-24796	182	7	questionnaire	questionnaire	NOUN
fbem-24796	182	8	are	be	AUX
fbem-24796	182	9	very	very	ADV
fbem-24796	182	10	ideal	ideal	ADJ
fbem-24796	182	11	.	.	PUNCT
fbem-24796	183	1	alipay	alipay	PROPN
fbem-24796	183	2	and	and	CCONJ
fbem-24796	183	3	wechat	wechat	PROPN
fbem-24796	183	4	payment	payment	NOUN
fbem-24796	183	5	are	be	AUX
fbem-24796	183	6	currently	currently	ADV
fbem-24796	183	7	the	the	DET
fbem-24796	183	8	most	most	ADV
fbem-24796	183	9	important	important	ADJ
fbem-24796	183	10	third	third	ADJ
fbem-24796	183	11	-	-	PUNCT
fbem-24796	183	12	party	party	NOUN
fbem-24796	183	13	virtual	virtual	ADJ
fbem-24796	183	14	payment	payment	NOUN
fbem-24796	183	15	platforms	platform	NOUN
fbem-24796	183	16	,	,	PUNCT
fbem-24796	183	17	which	which	PRON
fbem-24796	183	18	are	be	AUX
fbem-24796	183	19	far	far	ADV
fbem-24796	183	20	higher	high	ADJ
fbem-24796	183	21	than	than	ADP
fbem-24796	183	22	other	other	ADJ
fbem-24796	183	23	virtual	virtual	ADJ
fbem-24796	183	24	payment	payment	NOUN
fbem-24796	183	25	tools	tool	NOUN
fbem-24796	183	26	.	.	PUNCT
fbem-24796	184	1	nearly	nearly	ADV
fbem-24796	184	2	90	90	NUM
fbem-24796	184	3	%	%	NOUN
fbem-24796	184	4	of	of	ADP
fbem-24796	184	5	college	college	NOUN
fbem-24796	184	6	students	student	NOUN
fbem-24796	184	7	have	have	VERB
fbem-24796	184	8	more	more	ADJ
fbem-24796	184	9	than	than	ADP
fbem-24796	184	10	one	one	NUM
fbem-24796	184	11	year	year	NOUN
fbem-24796	184	12	of	of	ADP
fbem-24796	184	13	experience	experience	NOUN
fbem-24796	184	14	using	use	VERB
fbem-24796	184	15	virtual	virtual	ADJ
fbem-24796	184	16	payments	payment	NOUN
fbem-24796	184	17	and	and	CCONJ
fbem-24796	184	18	are	be	AUX
fbem-24796	184	19	old	old	ADJ
fbem-24796	184	20	users	user	NOUN
fbem-24796	184	21	of	of	ADP
fbem-24796	184	22	virtual	virtual	ADJ
fbem-24796	184	23	payments	payment	NOUN
fbem-24796	184	24	.	.	PUNCT
fbem-24796	185	1	although	although	SCONJ
fbem-24796	185	2	virtual	virtual	ADJ
fbem-24796	185	3	payment	payment	NOUN
fbem-24796	185	4	is	be	AUX
fbem-24796	185	5	widely	widely	ADV
fbem-24796	185	6	used	use	VERB
fbem-24796	185	7	among	among	ADP
fbem-24796	185	8	college	college	NOUN
fbem-24796	185	9	students	student	NOUN
fbem-24796	185	10	,	,	PUNCT
fbem-24796	185	11	the	the	DET
fbem-24796	185	12	consumption	consumption	NOUN
fbem-24796	185	13	amount	amount	NOUN
fbem-24796	185	14	of	of	ADP
fbem-24796	185	15	college	college	NOUN
fbem-24796	185	16	students	student	NOUN
fbem-24796	185	17	through	through	ADP
fbem-24796	185	18	virtual	virtual	ADJ
fbem-24796	185	19	payment	payment	NOUN
fbem-24796	185	20	is	be	AUX
fbem-24796	185	21	generally	generally	ADV
fbem-24796	185	22	small	small	ADJ
fbem-24796	185	23	payments	payment	NOUN
fbem-24796	185	24	of	of	ADP
fbem-24796	185	25	less	less	ADJ
fbem-24796	185	26	than	than	ADP
fbem-24796	185	27	1000	1000	NUM
fbem-24796	185	28	yuan	yuan	NOUN
fbem-24796	185	29	.	.	PUNCT
fbem-24796	186	1	based	base	VERB
fbem-24796	186	2	on	on	ADP
fbem-24796	186	3	this	this	DET
fbem-24796	186	4	survey	survey	NOUN
fbem-24796	186	5	,	,	PUNCT
fbem-24796	186	6	the	the	DET
fbem-24796	186	7	following	follow	VERB
fbem-24796	186	8	conclusions	conclusion	NOUN
fbem-24796	186	9	can	can	AUX
fbem-24796	186	10	be	be	AUX
fbem-24796	186	11	drawn	draw	VERB
fbem-24796	186	12	:	:	PUNCT
fbem-24796	186	13	firstly	firstly	ADV
fbem-24796	186	14	,	,	PUNCT
fbem-24796	186	15	the	the	DET
fbem-24796	186	16	main	main	ADJ
fbem-24796	186	17	reasons	reason	NOUN
fbem-24796	186	18	why	why	SCONJ
fbem-24796	186	19	guangdong	guangdong	PROPN
fbem-24796	186	20	university	university	NOUN
fbem-24796	186	21	students	student	NOUN
fbem-24796	186	22	use	use	VERB
fbem-24796	186	23	virtual	virtual	ADJ
fbem-24796	186	24	payments	payment	NOUN
fbem-24796	186	25	are	be	AUX
fbem-24796	186	26	convenience	convenience	NOUN
fbem-24796	186	27	and	and	CCONJ
fbem-24796	186	28	integration	integration	NOUN
fbem-24796	186	29	,	,	PUNCT
fbem-24796	186	30	and	and	CCONJ
fbem-24796	186	31	the	the	DET
fbem-24796	186	32	security	security	NOUN
fbem-24796	186	33	of	of	ADP
fbem-24796	186	34	virtual	virtual	ADJ
fbem-24796	186	35	payments	payment	NOUN
fbem-24796	186	36	is	be	AUX
fbem-24796	186	37	a	a	DET
fbem-24796	186	38	bottleneck	bottleneck	NOUN
fbem-24796	186	39	that	that	PRON
fbem-24796	186	40	restricts	restrict	VERB
fbem-24796	186	41	their	their	PRON
fbem-24796	186	42	further	further	ADJ
fbem-24796	186	43	development	development	NOUN
fbem-24796	186	44	.	.	PUNCT
fbem-24796	187	1	secondly	secondly	ADV
fbem-24796	187	2	,	,	PUNCT
fbem-24796	187	3	when	when	SCONJ
fbem-24796	187	4	using	use	VERB
fbem-24796	187	5	virtual	virtual	ADJ
fbem-24796	187	6	payment	payment	NOUN
fbem-24796	187	7	for	for	ADP
fbem-24796	187	8	consumption	consumption	NOUN
fbem-24796	187	9	,	,	PUNCT
fbem-24796	187	10	guangdong	guangdong	PROPN
fbem-24796	187	11	university	university	PROPN
fbem-24796	187	12	students	student	NOUN
fbem-24796	187	13	will	will	AUX
fbem-24796	187	14	develop	develop	VERB
fbem-24796	187	15	impulsive	impulsive	ADJ
fbem-24796	187	16	,	,	PUNCT
fbem-24796	187	17	boastful	boastful	ADJ
fbem-24796	187	18	,	,	PUNCT
fbem-24796	187	19	and	and	CCONJ
fbem-24796	187	20	forward	forward	ADV
fbem-24796	187	21	-	-	PUNCT
fbem-24796	187	22	looking	look	VERB
fbem-24796	187	23	consumption	consumption	NOUN
fbem-24796	187	24	psychology	psychology	NOUN
fbem-24796	187	25	;	;	PUNCT
fbem-24796	187	26	virtual	virtual	ADJ
fbem-24796	187	27	payment	payment	NOUN
fbem-24796	187	28	has	have	AUX
fbem-24796	187	29	improved	improve	VERB
fbem-24796	187	30	the	the	DET
fbem-24796	187	31	overall	overall	ADJ
fbem-24796	187	32	consumption	consumption	NOUN
fbem-24796	187	33	level	level	NOUN
fbem-24796	187	34	of	of	ADP
fbem-24796	187	35	college	college	NOUN
fbem-24796	187	36	students	student	NOUN
fbem-24796	187	37	;	;	PUNCT
fbem-24796	187	38	virtual	virtual	ADJ
fbem-24796	187	39	payment	payment	NOUN
fbem-24796	187	40	has	have	AUX
fbem-24796	187	41	diversified	diversify	VERB
fbem-24796	187	42	the	the	DET
fbem-24796	187	43	consumption	consumption	NOUN
fbem-24796	187	44	structure	structure	NOUN
fbem-24796	187	45	of	of	ADP
fbem-24796	187	46	college	college	NOUN
fbem-24796	187	47	students	student	NOUN
fbem-24796	187	48	;	;	PUNCT
fbem-24796	187	49	virtual	virtual	ADJ
fbem-24796	187	50	payment	payment	NOUN
fbem-24796	187	51	can	can	AUX
fbem-24796	187	52	enhance	enhance	VERB
fbem-24796	187	53	the	the	DET
fbem-24796	187	54	consumption	consumption	NOUN
fbem-24796	187	55	experience	experience	NOUN
fbem-24796	187	56	of	of	ADP
fbem-24796	187	57	college	college	NOUN
fbem-24796	187	58	students	student	NOUN
fbem-24796	187	59	.	.	PUNCT
fbem-24796	188	1	acknowledgment	acknowledgment	NOUN
fbem-24796	188	2	this	this	DET
fbem-24796	188	3	work	work	NOUN
fbem-24796	188	4	was	be	AUX
fbem-24796	188	5	supported	support	VERB
fbem-24796	188	6	by	by	ADP
fbem-24796	188	7	the	the	DET
fbem-24796	188	8	fund	fund	NOUN
fbem-24796	188	9	project	project	NOUN
fbem-24796	188	10	,	,	PUNCT
fbem-24796	188	11	education	education	NOUN
fbem-24796	188	12	statistical	statistical	ADJ
fbem-24796	188	13	society	society	NOUN
fbem-24796	188	14	of	of	ADP
fbem-24796	188	15	guangdong	guangdong	PROPN
fbem-24796	188	16	province	province	PROPN
fbem-24796	188	17	2024	2024	NUM
fbem-24796	188	18	construction	construction	NOUN
fbem-24796	188	19	project	project	NOUN
fbem-24796	188	20	:	:	PUNCT
fbem-24796	188	21	research	research	NOUN
fbem-24796	188	22	on	on	ADP
fbem-24796	188	23	the	the	DET
fbem-24796	188	24	integration	integration	NOUN
fbem-24796	188	25	of	of	ADP
fbem-24796	188	26	data	datum	NOUN
fbem-24796	188	27	statistics	statistic	NOUN
fbem-24796	188	28	and	and	CCONJ
fbem-24796	188	29	analysis	analysis	NOUN
fbem-24796	188	30	in	in	ADP
fbem-24796	188	31	the	the	DET
fbem-24796	188	32	training	training	NOUN
fbem-24796	188	33	of	of	ADP
fbem-24796	188	34	private	private	ADJ
fbem-24796	188	35	equity	equity	NOUN
fbem-24796	188	36	talents	talent	NOUN
fbem-24796	188	37	(	(	PUNCT
fbem-24796	188	38	project	project	NOUN
fbem-24796	188	39	number	number	NOUN
fbem-24796	188	40	:	:	PUNCT
fbem-24796	188	41	2024tj1005	2024tj1005	NUM
fbem-24796	188	42	)	)	PUNCT
fbem-24796	188	43	references	reference	NOUN
fbem-24796	188	44	[	[	X
fbem-24796	188	45	1	1	NUM
fbem-24796	188	46	]	]	PUNCT
fbem-24796	188	47	wang	wang	PROPN
fbem-24796	188	48	xiaodan	xiaodan	PROPN
fbem-24796	188	49	.	.	PUNCT
fbem-24796	189	1	exploring	explore	VERB
fbem-24796	189	2	the	the	DET
fbem-24796	189	3	social	social	ADJ
fbem-24796	189	4	communication	communication	NOUN
fbem-24796	189	5	mechanism	mechanism	NOUN
fbem-24796	189	6	of	of	ADP
fbem-24796	189	7	wechat	wechat	NOUN
fbem-24796	189	8	red	red	ADJ
fbem-24796	189	9	envelopes	envelope	NOUN
fbem-24796	189	10	.	.	PUNCT
fbem-24796	190	1	modern	modern	ADJ
fbem-24796	190	2	communication	communication	NOUN
fbem-24796	190	3	.	.	PUNCT
fbem-24796	191	1	vol	vol	NOUN
fbem-24796	191	2	.	.	PROPN
fbem-24796	191	3	29	29	NUM
fbem-24796	191	4	(	(	PUNCT
fbem-24796	191	5	2020	2020	NUM
fbem-24796	191	6	)	)	PUNCT
fbem-24796	191	7	no	no	INTJ
fbem-24796	191	8	.	.	NOUN
fbem-24796	191	9	01	01	NUM
fbem-24796	191	10	,	,	PUNCT
fbem-24796	191	11	p.	p.	NOUN
fbem-24796	191	12	167	167	NUM
fbem-24796	191	13	-	-	SYM
fbem-24796	191	14	168	168	NUM
fbem-24796	191	15	.	.	PUNCT
fbem-24796	192	1	[	[	X
fbem-24796	192	2	2	2	NUM
fbem-24796	192	3	]	]	X
fbem-24796	192	4	dong	dong	PROPN
fbem-24796	192	5	liang	liang	PROPN
fbem-24796	192	6	,	,	PUNCT
fbem-24796	192	7	cao	cao	PROPN
fbem-24796	192	8	yiya	yiya	PROPN
fbem-24796	192	9	.	.	PUNCT
fbem-24796	193	1	digging	dig	VERB
fbem-24796	193	2	the	the	DET
fbem-24796	193	3	potential	potential	NOUN
fbem-24796	193	4	of	of	ADP
fbem-24796	193	5	the	the	DET
fbem-24796	193	6	internet	internet	NOUN
fbem-24796	193	7	industry	industry	NOUN
fbem-24796	193	8	.	.	PUNCT
fbem-24796	194	1	shanghai	shanghai	PROPN
fbem-24796	194	2	informatization	informatization	PROPN
fbem-24796	194	3	.	.	PUNCT
fbem-24796	195	1	vol	vol	NOUN
fbem-24796	195	2	.	.	PROPN
fbem-24796	195	3	09	09	NUM
fbem-24796	195	4	(	(	PUNCT
fbem-24796	195	5	2020	2020	NUM
fbem-24796	195	6	)	)	PUNCT
fbem-24796	196	1	no	no	INTJ
fbem-24796	196	2	.	.	NOUN
fbem-24796	196	3	07	07	NUM
fbem-24796	196	4	,	,	PUNCT
fbem-24796	196	5	p.	p.	NOUN
fbem-24796	196	6	16	16	NUM
fbem-24796	196	7	-	-	SYM
fbem-24796	196	8	19	19	NUM
fbem-24796	196	9	.	.	PUNCT
fbem-24796	197	1	[	[	X
fbem-24796	197	2	3	3	NUM
fbem-24796	197	3	]	]	X
fbem-24796	197	4	greenwald	greenwald	PROPN
fbem-24796	197	5	,	,	PUNCT
fbem-24796	197	6	a.	a.	PROPN
fbem-24796	197	7	g.	g.	PROPN
fbem-24796	197	8	,	,	PUNCT
fbem-24796	197	9	mcghee	mcghee	PROPN
fbem-24796	197	10	,	,	PUNCT
fbem-24796	197	11	d.	d.	PROPN
fbem-24796	197	12	e.	e.	PROPN
fbem-24796	197	13	,	,	PUNCT
fbem-24796	197	14	&	&	CCONJ
fbem-24796	197	15	schwartz	schwartz	PROPN
fbem-24796	197	16	,	,	PUNCT
fbem-24796	197	17	et	et	PROPN
fbem-24796	197	18	al	al	PROPN
fbem-24796	197	19	.	.	PROPN
fbem-24796	197	20	measuring	measure	VERB
fbem-24796	197	21	individual	individual	ADJ
fbem-24796	197	22	differences	difference	NOUN
fbem-24796	197	23	in	in	ADP
fbem-24796	197	24	implicit	implicit	ADJ
fbem-24796	197	25	cognition	cognition	NOUN
fbem-24796	197	26	:	:	PUNCT
fbem-24796	197	27	the	the	DET
fbem-24796	197	28	implicit	implicit	ADJ
fbem-24796	197	29	association	association	NOUN
fbem-24796	197	30	test	test	NOUN
fbem-24796	197	31	.	.	PUNCT
fbem-24796	198	1	journal	journal	NOUN
fbem-24796	198	2	of	of	ADP
fbem-24796	198	3	personality	personality	NOUN
fbem-24796	198	4	&	&	CCONJ
fbem-24796	198	5	socialpsychology	socialpsychology	PROPN
fbem-24796	198	6	.	.	PUNCT
fbem-24796	199	1	vol	vol	NOUN
fbem-24796	199	2	.	.	PROPN
fbem-24796	200	1	74	74	NUM
fbem-24796	200	2	(	(	PUNCT
fbem-24796	200	3	2019	2019	NUM
fbem-24796	200	4	)	)	PUNCT
fbem-24796	201	1	no	no	INTJ
fbem-24796	201	2	.	.	NOUN
fbem-24796	201	3	06	06	NUM
fbem-24796	201	4	,	,	PUNCT
fbem-24796	201	5	p.	p.	NOUN
fbem-24796	201	6	64	64	NUM
fbem-24796	201	7	-	-	SYM
fbem-24796	201	8	68	68	NUM
fbem-24796	201	9	.	.	PUNCT
fbem-24796	202	1	[	[	X
fbem-24796	202	2	4	4	NUM
fbem-24796	202	3	]	]	X
fbem-24796	202	4	linck	linck	PROPN
fbem-24796	202	5	,	,	PUNCT
fbem-24796	202	6	k.d	k.d	PROPN
fbem-24796	202	7	.	.	PROPN
fbem-24796	202	8	,	,	PUNCT
fbem-24796	202	9	j.s	j.s	PROPN
fbem-24796	202	10	.	.	PROPN
fbem-24796	202	11	park	park	PROPN
fbem-24796	202	12	.	.	PUNCT
fbem-24796	203	1	understanding	understand	VERB
fbem-24796	203	2	the	the	DET
fbem-24796	203	3	role	role	NOUN
fbem-24796	203	4	of	of	ADP
fbem-24796	203	5	individual	individual	ADJ
fbem-24796	203	6	innovativeness	innovativeness	NOUN
fbem-24796	203	7	in	in	ADP
fbem-24796	203	8	the	the	DET
fbem-24796	203	9	acceptance	acceptance	NOUN
fbem-24796	203	10	of	of	ADP
fbem-24796	203	11	it	it	PRON
fbem-24796	203	12	-	-	PUNCT
fbem-24796	203	13	based	base	VERB
fbem-24796	203	14	innovations	innovation	NOUN
fbem-24796	203	15	:	:	PUNCT
fbem-24796	203	16	comparative	comparative	ADJ
fbem-24796	203	17	analyses	analysis	NOUN
fbem-24796	203	18	of	of	ADP
fbem-24796	203	19	models	model	NOUN
fbem-24796	203	20	and	and	CCONJ
fbem-24796	203	21	measures	measure	NOUN
fbem-24796	203	22	.	.	PUNCT
fbem-24796	204	1	decision	decision	NOUN
fbem-24796	204	2	sciences	science	NOUN
fbem-24796	204	3	.	.	PUNCT
fbem-24796	205	1	vol	vol	NOUN
fbem-24796	205	2	.	.	PUNCT
fbem-24796	206	1	37	37	NUM
fbem-24796	206	2	(	(	PUNCT
fbem-24796	206	3	2019	2019	NUM
fbem-24796	206	4	)	)	PUNCT
fbem-24796	207	1	no	no	INTJ
fbem-24796	207	2	.	.	NOUN
fbem-24796	207	3	03	03	NUM
fbem-24796	207	4	,	,	PUNCT
fbem-24796	208	1	p.	p.	NOUN
fbem-24796	208	2	93	93	NUM
fbem-24796	208	3	-	-	SYM
fbem-24796	208	4	126	126	NUM
fbem-24796	208	5	.	.	PUNCT
fbem-24796	209	1	[	[	X
fbem-24796	209	2	5	5	X
fbem-24796	209	3	]	]	PUNCT
fbem-24796	209	4	wang	wang	PROPN
fbem-24796	209	5	lingli	lingli	PROPN
fbem-24796	209	6	,	,	PUNCT
fbem-24796	209	7	yan	yan	PROPN
fbem-24796	209	8	qiang	qiang	PROPN
fbem-24796	209	9	,	,	PUNCT
fbem-24796	209	10	chen	chen	PROPN
fbem-24796	209	11	wenjing	wenjing	PROPN
fbem-24796	209	12	.	.	PUNCT
fbem-24796	210	1	analysis	analysis	NOUN
fbem-24796	210	2	of	of	ADP
fbem-24796	210	3	factors	factor	NOUN
fbem-24796	210	4	influencing	influence	VERB
fbem-24796	210	5	unplanned	unplanned	ADJ
fbem-24796	210	6	consumption	consumption	NOUN
fbem-24796	210	7	in	in	ADP
fbem-24796	210	8	large	large	ADJ
fbem-24796	210	9	scale	scale	NOUN
fbem-24796	210	10	online	online	ADJ
fbem-24796	210	11	promotions	promotion	NOUN
fbem-24796	210	12	a	a	DET
fbem-24796	210	13	study	study	NOUN
fbem-24796	210	14	on	on	ADP
fbem-24796	210	15	taobao	taobao	PROPN
fbem-24796	210	16	's	's	PART
fbem-24796	210	17	"	"	PUNCT
fbem-24796	210	18	double	double	ADJ
fbem-24796	210	19	11	11	NUM
fbem-24796	210	20	"	"	PUNCT
fbem-24796	210	21	promotion	promotion	NOUN
fbem-24796	210	22	event	event	NOUN
fbem-24796	210	23	.	.	PUNCT
fbem-24796	211	1	journal	journal	PROPN
fbem-24796	211	2	of	of	ADP
fbem-24796	211	3	beijing	beijing	PROPN
fbem-24796	211	4	university	university	PROPN
fbem-24796	211	5	of	of	ADP
fbem-24796	211	6	posts	post	NOUN
fbem-24796	211	7	and	and	CCONJ
fbem-24796	211	8	telecommunications	telecommunication	NOUN
fbem-24796	211	9	(	(	PUNCT
fbem-24796	211	10	social	social	ADJ
fbem-24796	211	11	sciences	science	NOUN
fbem-24796	211	12	edition	edition	NOUN
fbem-24796	211	13	)	)	PUNCT
fbem-24796	211	14	.	.	PUNCT
fbem-24796	212	1	vol	vol	NOUN
fbem-24796	212	2	.	.	PROPN
fbem-24796	213	1	17	17	NUM
fbem-24796	213	2	(	(	PUNCT
fbem-24796	213	3	2020	2020	NUM
fbem-24796	213	4	)	)	PUNCT
fbem-24796	214	1	no	no	INTJ
fbem-24796	214	2	.	.	NOUN
fbem-24796	214	3	06	06	NUM
fbem-24796	214	4	,	,	PUNCT
fbem-24796	214	5	p.	p.	NOUN
fbem-24796	214	6	19	19	NUM
fbem-24796	214	7	-	-	SYM
fbem-24796	214	8	25	25	NUM
fbem-24796	214	9	.	.	PUNCT
fbem-24796	215	1	[	[	X
fbem-24796	215	2	6	6	NUM
fbem-24796	215	3	]	]	X
fbem-24796	215	4	liu	liu	PROPN
fbem-24796	215	5	kaiqiang	kaiqiang	PROPN
fbem-24796	215	6	.	.	PUNCT
fbem-24796	216	1	(	(	PUNCT
fbem-24796	216	2	2021	2021	NUM
fbem-24796	216	3	)	)	PUNCT
fbem-24796	216	4	.	.	PUNCT
fbem-24796	217	1	prepaid	prepaid	ADJ
fbem-24796	217	2	bills	bill	NOUN
fbem-24796	217	3	:	:	PUNCT
fbem-24796	217	4	a	a	DET
fbem-24796	217	5	consumer	consumer	NOUN
fbem-24796	217	6	image	image	NOUN
fbem-24796	217	7	and	and	CCONJ
fbem-24796	217	8	development	development	NOUN
fbem-24796	217	9	presentation	presentation	NOUN
fbem-24796	217	10	of	of	ADP
fbem-24796	217	11	"	"	PUNCT
fbem-24796	217	12	hidden	hidden	ADJ
fbem-24796	217	13	poverty	poverty	NOUN
fbem-24796	217	14	"	"	PUNCT
fbem-24796	217	15	youth	youth	NOUN
fbem-24796	217	16	learning	learning	NOUN
fbem-24796	217	17	and	and	CCONJ
fbem-24796	217	18	practice	practice	NOUN
fbem-24796	217	19	.	.	PUNCT
fbem-24796	218	1	vol	vol	NOUN
fbem-24796	218	2	.	.	PROPN
fbem-24796	218	3	20	20	NUM
fbem-24796	218	4	(	(	PUNCT
fbem-24796	218	5	2020	2020	NUM
fbem-24796	218	6	)	)	PUNCT
fbem-24796	219	1	no	no	INTJ
fbem-24796	219	2	.	.	NOUN
fbem-24796	219	3	11	11	NUM
fbem-24796	219	4	,	,	PUNCT
fbem-24796	219	5	p.	p.	NOUN
fbem-24796	219	6	118	118	NUM
fbem-24796	219	7	-	-	SYM
fbem-24796	219	8	128	128	NUM
fbem-24796	219	9	.	.	PUNCT