id	keyword
fbem-14771	digital
fbem-14771	rmb
fbem-14771	use
fbem-14771	factor
fbem-14771	model
fbem-14771	willingness
fbem-14771	people
fbem-14771	payment
fbem-14771	acceptance
fbem-14771	research
fbem-14771	risk
fbem-14771	development
fbem-14771	analysis
fbem-14771	feedback