id	sid	tid	token	lemma	pos
gra-57	1	1	introduction	introduction	NOUN
gra-57	1	2	the	the	DET
gra-57	1	3	system	system	NOUN
gra-57	1	4	of	of	ADP
gra-57	1	5	trade	trade	NOUN
gra-57	1	6	over	over	ADV
gra-57	1	7	and	and	CCONJ
gra-57	1	8	done	do	VERB
gra-57	1	9	with	with	ADP
gra-57	1	10	barter	barter	NOUN
gra-57	1	11	is	be	AUX
gra-57	1	12	as	as	ADV
gra-57	1	13	old	old	ADJ
gra-57	1	14	as	as	ADP
gra-57	1	15	the	the	DET
gra-57	1	16	social	social	ADJ
gra-57	1	17	civilization	civilization	NOUN
gra-57	1	18	.	.	PUNCT
gra-57	2	1	barter	barter	NOUN
gra-57	2	2	system	system	NOUN
gra-57	2	3	is	be	AUX
gra-57	2	4	a	a	DET
gra-57	2	5	system	system	NOUN
gra-57	2	6	in	in	ADP
gra-57	2	7	which	which	PRON
gra-57	2	8	people	people	NOUN
gra-57	2	9	sell	sell	VERB
gra-57	2	10	goods	good	NOUN
gra-57	2	11	and	and	CCONJ
gra-57	2	12	chattels	chattel	NOUN
gra-57	2	13	and	and	CCONJ
gra-57	2	14	services	service	NOUN
gra-57	2	15	in	in	ADP
gra-57	2	16	order	order	NOUN
gra-57	2	17	to	to	PART
gra-57	2	18	obtain	obtain	VERB
gra-57	2	19	other	other	ADJ
gra-57	2	20	goods	good	NOUN
gra-57	2	21	and	and	CCONJ
gra-57	2	22	services	service	NOUN
gra-57	2	23	through	through	ADP
gra-57	2	24	direct	direct	ADJ
gra-57	2	25	exchange	exchange	NOUN
gra-57	2	26	.	.	PUNCT
gra-57	3	1	the	the	DET
gra-57	3	2	functioning	functioning	NOUN
gra-57	3	3	of	of	ADP
gra-57	3	4	a	a	DET
gra-57	3	5	barter	barter	NOUN
gra-57	3	6	economy	economy	NOUN
gra-57	3	7	was	be	AUX
gra-57	3	8	however	however	ADV
gra-57	3	9	cumbersome	cumbersome	ADJ
gra-57	3	10	and	and	CCONJ
gra-57	3	11	inopportune	inopportune	ADJ
gra-57	3	12	due	due	ADJ
gra-57	3	13	to	to	PART
gra-57	3	14	double	double	ADJ
gra-57	3	15	happenstance	happenstance	NOUN
gra-57	3	16	of	of	ADP
gra-57	3	17	wants	want	NOUN
gra-57	3	18	.	.	PUNCT
gra-57	4	1	complications	complication	NOUN
gra-57	4	2	of	of	ADP
gra-57	4	3	barter	barter	NOUN
gra-57	4	4	system	system	NOUN
gra-57	4	5	lead	lead	VERB
gra-57	4	6	to	to	ADP
gra-57	4	7	the	the	DET
gra-57	4	8	primer	primer	NOUN
gra-57	4	9	and	and	CCONJ
gra-57	4	10	progress	progress	NOUN
gra-57	4	11	of	of	ADP
gra-57	4	12	financial	financial	ADJ
gra-57	4	13	activities	activity	NOUN
gra-57	4	14	.	.	PUNCT
gra-57	5	1	this	this	PRON
gra-57	5	2	deserves	deserve	VERB
gra-57	5	3	to	to	PART
gra-57	5	4	be	be	AUX
gra-57	5	5	ranked	rank	VERB
gra-57	5	6	among	among	ADP
gra-57	5	7	the	the	DET
gra-57	5	8	outstanding	outstanding	ADJ
gra-57	5	9	innovations	innovation	NOUN
gra-57	5	10	of	of	ADP
gra-57	5	11	the	the	DET
gra-57	5	12	entire	entire	ADJ
gra-57	5	13	history	history	NOUN
gra-57	5	14	.	.	PUNCT
gra-57	6	1	the	the	DET
gra-57	6	2	birth	birth	NOUN
gra-57	6	3	of	of	ADP
gra-57	6	4	nancial	nancial	ADJ
gra-57	6	5	activities	activity	NOUN
gra-57	6	6	came	come	VERB
gra-57	6	7	as	as	ADP
gra-57	6	8	a	a	DET
gra-57	6	9	multifold	multifold	ADJ
gra-57	6	10	blessing	blessing	NOUN
gra-57	6	11	to	to	ADP
gra-57	6	12	mankind	mankind	NOUN
gra-57	6	13	.	.	PUNCT
gra-57	7	1	it	it	PRON
gra-57	7	2	had	have	AUX
gra-57	7	3	been	be	AUX
gra-57	7	4	dened	dene	VERB
gra-57	7	5	in	in	ADP
gra-57	7	6	various	various	ADJ
gra-57	7	7	ways	way	NOUN
gra-57	7	8	.	.	PUNCT
gra-57	8	1	somebody	somebody	PRON
gra-57	8	2	says	say	VERB
gra-57	8	3	these	these	PRON
gra-57	8	4	are	be	AUX
gra-57	8	5	used	use	VERB
gra-57	8	6	in	in	ADP
gra-57	8	7	the	the	DET
gra-57	8	8	place	place	NOUN
gra-57	8	9	of	of	ADP
gra-57	8	10	barter	barter	NOUN
gra-57	8	11	.	.	PUNCT
gra-57	9	1	in	in	ADP
gra-57	9	2	other	other	ADJ
gra-57	9	3	words	word	NOUN
gra-57	9	4	anything	anything	PRON
gra-57	9	5	that	that	PRON
gra-57	9	6	performs	perform	VERB
gra-57	9	7	the	the	DET
gra-57	9	8	functions	function	NOUN
gra-57	9	9	of	of	ADP
gra-57	9	10	nancial	nancial	ADJ
gra-57	9	11	activity	activity	NOUN
gra-57	9	12	is	be	AUX
gra-57	9	13	money	money	NOUN
gra-57	9	14	.	.	PUNCT
gra-57	10	1	economics	economic	NOUN
gra-57	10	2	makes	make	VERB
gra-57	10	3	it	it	PRON
gra-57	10	4	clear	clear	ADJ
gra-57	10	5	that	that	SCONJ
gra-57	10	6	money	money	NOUN
gra-57	10	7	plays	play	VERB
gra-57	10	8	an	an	DET
gra-57	10	9	important	important	ADJ
gra-57	10	10	role	role	NOUN
gra-57	10	11	in	in	ADP
gra-57	10	12	the	the	DET
gra-57	10	13	nancial	nancial	ADJ
gra-57	10	14	structure	structure	NOUN
gra-57	10	15	.	.	PUNCT
gra-57	11	1	in	in	ADP
gra-57	11	2	india	india	PROPN
gra-57	11	3	,	,	PUNCT
gra-57	11	4	the	the	DET
gra-57	11	5	ancient	ancient	ADJ
gra-57	11	6	hindu	hindu	NOUN
gra-57	11	7	scriptures	scripture	NOUN
gra-57	11	8	refer	refer	VERB
gra-57	11	9	to	to	ADP
gra-57	11	10	the	the	DET
gra-57	11	11	moneylending	moneylende	VERB
gra-57	11	12	activities	activity	NOUN
gra-57	11	13	in	in	ADP
gra-57	11	14	the	the	DET
gra-57	11	15	vedic	vedic	ADJ
gra-57	11	16	period	period	NOUN
gra-57	11	17	.	.	PUNCT
gra-57	12	1	during	during	ADP
gra-57	12	2	the	the	DET
gra-57	12	3	era	era	NOUN
gra-57	12	4	of	of	ADP
gra-57	12	5	ramayana	ramayana	PROPN
gra-57	12	6	and	and	CCONJ
gra-57	12	7	mahabharata	mahabharata	PROPN
gra-57	12	8	,	,	PUNCT
gra-57	12	9	the	the	DET
gra-57	12	10	banking	banking	NOUN
gra-57	12	11	had	have	AUX
gra-57	12	12	become	become	VERB
gra-57	12	13	a	a	DET
gra-57	12	14	full-edged	full-edge	VERB
gra-57	12	15	activity	activity	NOUN
gra-57	12	16	.	.	PUNCT
gra-57	13	1	during	during	ADP
gra-57	13	2	the	the	DET
gra-57	13	3	smrity	smrity	NOUN
gra-57	13	4	period	period	NOUN
gra-57	13	5	which	which	PRON
gra-57	13	6	followed	follow	VERB
gra-57	13	7	the	the	DET
gra-57	13	8	vedic	vedic	ADJ
gra-57	13	9	period	period	NOUN
gra-57	13	10	,	,	PUNCT
gra-57	13	11	the	the	DET
gra-57	13	12	business	business	NOUN
gra-57	13	13	of	of	ADP
gra-57	13	14	banking	banking	NOUN
gra-57	13	15	was	be	AUX
gra-57	13	16	largely	largely	ADV
gra-57	13	17	carried	carry	VERB
gra-57	13	18	on	on	ADP
gra-57	13	19	by	by	ADP
gra-57	13	20	the	the	DET
gra-57	13	21	members	member	NOUN
gra-57	13	22	of	of	ADP
gra-57	13	23	vaish	vaish	PROPN
gra-57	13	24	community	community	NOUN
gra-57	13	25	.	.	PUNCT
gra-57	14	1	as	as	SCONJ
gra-57	14	2	the	the	DET
gra-57	14	3	civilization	civilization	NOUN
gra-57	14	4	grew	grow	VERB
gra-57	14	5	with	with	ADP
gra-57	14	6	the	the	DET
gra-57	14	7	development	development	NOUN
gra-57	14	8	of	of	ADP
gra-57	14	9	economic	economic	ADJ
gra-57	14	10	systems	system	NOUN
gra-57	14	11	the	the	DET
gra-57	14	12	development	development	NOUN
gra-57	14	13	in	in	ADP
gra-57	14	14	the	the	DET
gra-57	14	15	banking	banking	NOUN
gra-57	14	16	was	be	AUX
gra-57	14	17	also	also	ADV
gra-57	14	18	inevitable	inevitable	ADJ
gra-57	14	19	.	.	PUNCT
gra-57	15	1	the	the	DET
gra-57	15	2	banker	banker	NOUN
gra-57	15	3	in	in	ADP
gra-57	15	4	this	this	DET
gra-57	15	5	period	period	NOUN
gra-57	15	6	performed	perform	VERB
gra-57	15	7	many	many	ADJ
gra-57	15	8	of	of	ADP
gra-57	15	9	the	the	DET
gra-57	15	10	functions	function	NOUN
gra-57	15	11	which	which	PRON
gra-57	15	12	a	a	DET
gra-57	15	13	modern	modern	ADJ
gra-57	15	14	banker	banker	NOUN
gra-57	15	15	performs	perform	VERB
gra-57	15	16	these	these	DET
gra-57	15	17	days	day	NOUN
gra-57	15	18	viz	viz	VERB
gra-57	15	19	.	.	PUNCT
gra-57	16	1	accepting	accept	VERB
gra-57	16	2	deposits	deposit	NOUN
gra-57	16	3	,	,	PUNCT
gra-57	16	4	granting	grant	VERB
gra-57	16	5	of	of	ADP
gra-57	16	6	advances	advance	NOUN
gra-57	16	7	,	,	PUNCT
gra-57	16	8	acting	act	VERB
gra-57	16	9	as	as	ADP
gra-57	16	10	banker	banker	NOUN
gra-57	16	11	to	to	ADP
gra-57	16	12	state	state	NOUN
gra-57	16	13	and	and	CCONJ
gra-57	16	14	issuing	issue	VERB
gra-57	16	15	and	and	CCONJ
gra-57	16	16	managing	manage	VERB
gra-57	16	17	currency	currency	NOUN
gra-57	16	18	of	of	ADP
gra-57	16	19	the	the	DET
gra-57	16	20	country	country	NOUN
gra-57	16	21	.	.	PUNCT
gra-57	17	1	in	in	ADP
gra-57	17	2	olden	olden	ADJ
gra-57	17	3	days	day	NOUN
gra-57	17	4	the	the	DET
gra-57	17	5	happenings	happening	NOUN
gra-57	17	6	of	of	ADP
gra-57	17	7	nancial	nancial	ADJ
gra-57	17	8	activities	activity	NOUN
gra-57	17	9	are	be	AUX
gra-57	17	10	conned	conne	VERB
gra-57	17	11	with	with	ADP
gra-57	17	12	accepting	accept	VERB
gra-57	17	13	deposits	deposit	NOUN
gra-57	17	14	and	and	CCONJ
gra-57	17	15	lending	lending	NOUN
gra-57	17	16	loans	loan	NOUN
gra-57	17	17	.	.	PUNCT
gra-57	18	1	this	this	PRON
gra-57	18	2	gives	give	VERB
gra-57	18	3	the	the	DET
gra-57	18	4	chance	chance	NOUN
gra-57	18	5	for	for	ADP
gra-57	18	6	the	the	DET
gra-57	18	7	growth	growth	NOUN
gra-57	18	8	of	of	ADP
gra-57	18	9	paper	paper	NOUN
gra-57	18	10	money	money	NOUN
gra-57	18	11	,	,	PUNCT
gra-57	18	12	bills	bill	NOUN
gra-57	18	13	of	of	ADP
gra-57	18	14	exchange	exchange	NOUN
gra-57	18	15	,	,	PUNCT
gra-57	18	16	cheques	cheque	NOUN
gra-57	18	17	and	and	CCONJ
gra-57	18	18	other	other	ADJ
gra-57	18	19	accompanying	accompany	VERB
gra-57	18	20	transactional	transactional	ADJ
gra-57	18	21	areas	area	NOUN
gra-57	18	22	.	.	PUNCT
gra-57	19	1	in	in	ADP
gra-57	19	2	accumulation	accumulation	NOUN
gra-57	19	3	to	to	ADP
gra-57	19	4	receipt	receipt	NOUN
gra-57	19	5	of	of	ADP
gra-57	19	6	deposits	deposit	NOUN
gra-57	19	7	and	and	CCONJ
gra-57	19	8	lending	lending	NOUN
gra-57	19	9	activities	activity	NOUN
gra-57	19	10	,	,	PUNCT
gra-57	19	11	the	the	DET
gra-57	19	12	modern	modern	ADJ
gra-57	19	13	institutions	institution	NOUN
gra-57	19	14	render	render	VERB
gra-57	19	15	many	many	ADJ
gra-57	19	16	services	service	NOUN
gra-57	19	17	.	.	PUNCT
gra-57	20	1	it	it	PRON
gra-57	20	2	becomes	become	VERB
gra-57	20	3	necessary	necessary	ADJ
gra-57	20	4	to	to	PART
gra-57	20	5	fascinate	fascinate	VERB
gra-57	20	6	to	to	ADP
gra-57	20	7	businesses	business	NOUN
gra-57	20	8	by	by	ADP
gra-57	20	9	providing	provide	VERB
gra-57	20	10	a	a	DET
gra-57	20	11	wide	wide	ADJ
gra-57	20	12	choice	choice	NOUN
gra-57	20	13	of	of	ADP
gra-57	20	14	innovative	innovative	ADJ
gra-57	20	15	facilities	facility	NOUN
gra-57	20	16	to	to	ADP
gra-57	20	17	customers	customer	NOUN
gra-57	20	18	.	.	PUNCT
gra-57	21	1	adam	adam	PROPN
gra-57	21	2	smith	smith	PROPN
gra-57	21	3	rightly	rightly	ADV
gra-57	21	4	observed	observe	VERB
gra-57	21	5	,	,	PUNCT
gra-57	21	6	“	"	PUNCT
gra-57	21	7	the	the	DET
gra-57	21	8	earliest	early	ADJ
gra-57	21	9	banks	bank	NOUN
gra-57	21	10	of	of	ADP
gra-57	21	11	italy	italy	PROPN
gra-57	21	12	where	where	SCONJ
gra-57	21	13	the	the	DET
gra-57	21	14	name	name	NOUN
gra-57	21	15	began	begin	VERB
gra-57	21	16	were	be	AUX
gra-57	21	17	nance	nance	NOUN
gra-57	21	18	companies	company	NOUN
gra-57	21	19	to	to	PART
gra-57	21	20	make	make	VERB
gra-57	21	21	loans	loan	NOUN
gra-57	21	22	to	to	ADP
gra-57	21	23	and	and	CCONJ
gra-57	21	24	oat	oat	VERB
gra-57	21	25	loans	loan	NOUN
gra-57	21	26	for	for	ADP
gra-57	21	27	the	the	DET
gra-57	21	28	government	government	NOUN
gra-57	21	29	of	of	ADP
gra-57	21	30	the	the	DET
gra-57	21	31	cities	city	NOUN
gra-57	21	32	in	in	ADP
gra-57	21	33	which	which	PRON
gra-57	21	34	they	they	PRON
gra-57	21	35	were	be	AUX
gra-57	21	36	formed	form	VERB
gra-57	21	37	…	…	PUNCT
gra-57	21	38	after	after	SCONJ
gra-57	21	39	these	these	DET
gra-57	21	40	banks	bank	NOUN
gra-57	21	41	had	have	AUX
gra-57	21	42	been	be	AUX
gra-57	21	43	long	long	ADV
gra-57	21	44	established	establish	VERB
gra-57	21	45	,	,	PUNCT
gra-57	21	46	they	they	PRON
gra-57	21	47	began	begin	VERB
gra-57	21	48	to	to	PART
gra-57	21	49	do	do	VERB
gra-57	21	50	what	what	PRON
gra-57	21	51	we	we	PRON
gra-57	21	52	call	call	VERB
gra-57	21	53	as	as	ADP
gra-57	21	54	banking	banking	NOUN
gra-57	21	55	business	business	NOUN
gra-57	21	56	,	,	PUNCT
gra-57	21	57	but	but	CCONJ
gra-57	21	58	at	at	ADP
gra-57	21	59	rst	rst	PROPN
gra-57	21	60	they	they	PRON
gra-57	21	61	never	never	ADV
gra-57	21	62	thought	think	VERB
gra-57	21	63	of	of	ADP
gra-57	21	64	it	it	PRON
gra-57	21	65	”	"	PUNCT
gra-57	21	66	.	.	PUNCT
gra-57	22	1	the	the	DET
gra-57	22	2	growing	grow	VERB
gra-57	22	3	demand	demand	NOUN
gra-57	22	4	for	for	ADP
gra-57	22	5	banking	banking	NOUN
gra-57	22	6	activities	activity	NOUN
gra-57	22	7	and	and	CCONJ
gra-57	22	8	technological	technological	ADJ
gra-57	22	9	advancements	advancement	NOUN
gra-57	22	10	gave	give	VERB
gra-57	22	11	chances	chance	NOUN
gra-57	22	12	for	for	ADP
gra-57	22	13	the	the	DET
gra-57	22	14	birth	birth	NOUN
gra-57	22	15	of	of	ADP
gra-57	22	16	cyber	cyber	ADJ
gra-57	22	17	centric	centric	ADJ
gra-57	22	18	financial	financial	ADJ
gra-57	22	19	transactions	transaction	NOUN
gra-57	22	20	.	.	PUNCT
gra-57	23	1	cyber	cyber	ADJ
gra-57	23	2	centric	centric	ADJ
gra-57	23	3	financial	financial	ADJ
gra-57	23	4	activities	activity	NOUN
gra-57	23	5	finland	finland	PROPN
gra-57	23	6	was	be	AUX
gra-57	23	7	the	the	DET
gra-57	23	8	rst	rst	PROPN
gra-57	23	9	country	country	NOUN
gra-57	23	10	in	in	ADP
gra-57	23	11	the	the	DET
gra-57	23	12	world	world	NOUN
gra-57	23	13	to	to	PART
gra-57	23	14	have	have	AUX
gra-57	23	15	taken	take	VERB
gra-57	23	16	a	a	DET
gra-57	23	17	lead	lead	NOUN
gra-57	23	18	in	in	ADP
gra-57	23	19	cyber	cyber	ADJ
gra-57	23	20	centric	centric	ADJ
gra-57	23	21	financial	financial	ADJ
gra-57	23	22	transactions	transaction	NOUN
gra-57	23	23	–	–	PUNCT
gra-57	23	24	a	a	DET
gra-57	23	25	notied	notied	PROPN
gra-57	23	26	new	new	ADJ
gra-57	23	27	age	age	NOUN
gra-57	23	28	facility	facility	NOUN
gra-57	23	29	.	.	PUNCT
gra-57	24	1	in	in	ADP
gra-57	24	2	india	india	PROPN
gra-57	24	3	,	,	PUNCT
gra-57	24	4	it	it	PRON
gra-57	24	5	was	be	AUX
gra-57	24	6	icici	icici	PROPN
gra-57	24	7	bank	bank	PROPN
gra-57	24	8	which	which	PRON
gra-57	24	9	initiated	initiate	VERB
gra-57	24	10	cyber	cyber	ADJ
gra-57	24	11	centric	centric	ADJ
gra-57	24	12	financial	financial	ADJ
gra-57	24	13	transactions	transaction	NOUN
gra-57	24	14	as	as	ADV
gra-57	24	15	early	early	ADV
gra-57	24	16	as	as	ADP
gra-57	24	17	1997	1997	NUM
gra-57	24	18	under	under	ADP
gra-57	24	19	the	the	DET
gra-57	24	20	brand	brand	NOUN
gra-57	24	21	name	name	NOUN
gra-57	24	22	innity	innity	PROPN
gra-57	24	23	.	.	PUNCT
gra-57	25	1	cyber	cyber	PROPN
gra-57	25	2	centric	centric	ADJ
gra-57	25	3	financial	financial	ADJ
gra-57	25	4	transactions	transaction	NOUN
gra-57	25	5	is	be	AUX
gra-57	25	6	a	a	DET
gra-57	25	7	genetic	genetic	ADJ
gra-57	25	8	term	term	NOUN
gra-57	25	9	encompassing	encompass	VERB
gra-57	25	10	internet	internet	NOUN
gra-57	25	11	banking	banking	NOUN
gra-57	25	12	,	,	PUNCT
gra-57	25	13	telephone	telephone	NOUN
gra-57	25	14	banking	banking	NOUN
gra-57	25	15	,	,	PUNCT
gra-57	25	16	and	and	CCONJ
gra-57	25	17	mobile	mobile	NOUN
gra-57	25	18	banking	banking	NOUN
gra-57	25	19	etc	etc	X
gra-57	25	20	.	.	X
gra-57	25	21	,	,	PUNCT
gra-57	25	22	in	in	ADP
gra-57	25	23	other	other	ADJ
gra-57	25	24	words	word	NOUN
gra-57	25	25	,	,	PUNCT
gra-57	25	26	it	it	PRON
gra-57	25	27	is	be	AUX
gra-57	25	28	a	a	DET
gra-57	25	29	process	process	NOUN
gra-57	25	30	of	of	ADP
gra-57	25	31	delivery	delivery	NOUN
gra-57	25	32	of	of	ADP
gra-57	25	33	banking	banking	NOUN
gra-57	25	34	services	service	NOUN
gra-57	25	35	and	and	CCONJ
gra-57	25	36	products	product	NOUN
gra-57	25	37	through	through	ADP
gra-57	25	38	electronic	electronic	ADJ
gra-57	25	39	channels	channel	NOUN
gra-57	25	40	such	such	ADJ
gra-57	25	41	as	as	ADP
gra-57	25	42	telephone	telephone	NOUN
gra-57	25	43	,	,	PUNCT
gra-57	25	44	internet	internet	NOUN
gra-57	25	45	,	,	PUNCT
gra-57	25	46	and	and	CCONJ
gra-57	25	47	cell	cell	NOUN
gra-57	25	48	phone	phone	NOUN
gra-57	25	49	.	.	PUNCT
gra-57	26	1	cyber	cyber	PROPN
gra-57	26	2	centric	centric	ADJ
gra-57	26	3	financial	financial	ADJ
gra-57	26	4	transactions	transaction	NOUN
gra-57	26	5	are	be	AUX
gra-57	26	6	an	an	DET
gra-57	26	7	umbrella	umbrella	NOUN
gra-57	26	8	term	term	NOUN
gra-57	26	9	for	for	ADP
gra-57	26	10	the	the	DET
gra-57	26	11	process	process	NOUN
gra-57	26	12	by	by	ADP
gra-57	26	13	which	which	PRON
gra-57	26	14	a	a	DET
gra-57	26	15	customer	customer	NOUN
gra-57	26	16	may	may	AUX
gra-57	26	17	perform	perform	VERB
gra-57	26	18	banking	banking	NOUN
gra-57	26	19	transactions	transaction	NOUN
gra-57	26	20	electronically	electronically	ADV
gra-57	26	21	without	without	ADP
gra-57	26	22	visiting	visit	VERB
gra-57	26	23	a	a	DET
gra-57	26	24	brickand	brickand	ADJ
gra-57	26	25	-	-	PUNCT
gra-57	26	26	mortar	mortar	NOUN
gra-57	26	27	institution	institution	NOUN
gra-57	26	28	.	.	PUNCT
gra-57	27	1	the	the	DET
gra-57	27	2	quality	quality	NOUN
gra-57	27	3	,	,	PUNCT
gra-57	27	4	range	range	NOUN
gra-57	27	5	and	and	CCONJ
gra-57	27	6	price	price	NOUN
gra-57	27	7	of	of	ADP
gra-57	27	8	these	these	DET
gra-57	27	9	electronic	electronic	ADJ
gra-57	27	10	services	service	NOUN
gra-57	27	11	decide	decide	VERB
gra-57	27	12	a	a	DET
gra-57	27	13	bank	bank	NOUN
gra-57	27	14	's	's	PART
gra-57	27	15	competitive	competitive	ADJ
gra-57	27	16	position	position	NOUN
gra-57	27	17	in	in	ADP
gra-57	27	18	the	the	DET
gra-57	27	19	industry	industry	NOUN
gra-57	27	20	.	.	PUNCT
gra-57	28	1	so	so	ADV
gra-57	28	2	cyber	cyber	ADJ
gra-57	28	3	centric	centric	PROPN
gra-57	28	4	financial	financial	ADJ
gra-57	28	5	transaction	transaction	NOUN
gra-57	28	6	is	be	AUX
gra-57	28	7	dened	dene	VERB
gra-57	28	8	as	as	ADP
gra-57	28	9	“	"	PUNCT
gra-57	28	10	the	the	DET
gra-57	28	11	automated	automate	VERB
gra-57	28	12	delivery	delivery	NOUN
gra-57	28	13	of	of	ADP
gra-57	28	14	new	new	ADJ
gra-57	28	15	and	and	CCONJ
gra-57	28	16	traditional	traditional	ADJ
gra-57	28	17	nancial	nancial	ADJ
gra-57	28	18	products	product	NOUN
gra-57	28	19	and	and	CCONJ
gra-57	28	20	services	service	NOUN
gra-57	28	21	directly	directly	ADV
gra-57	28	22	to	to	ADP
gra-57	28	23	customers	customer	NOUN
gra-57	28	24	through	through	ADP
gra-57	28	25	electronic	electronic	ADJ
gra-57	28	26	,	,	PUNCT
gra-57	28	27	interactive	interactive	ADJ
gra-57	28	28	communication	communication	NOUN
gra-57	28	29	channels	channel	NOUN
gra-57	28	30	.	.	PUNCT
gra-57	28	31	”	"	PUNCT
gra-57	29	1	cyber	cyber	PROPN
gra-57	29	2	centric	centric	ADJ
gra-57	29	3	financial	financial	ADJ
gra-57	29	4	transaction	transaction	NOUN
gra-57	29	5	is	be	AUX
gra-57	29	6	a	a	DET
gra-57	29	7	convenient	convenient	ADJ
gra-57	29	8	way	way	NOUN
gra-57	29	9	to	to	PART
gra-57	29	10	access	access	NOUN
gra-57	29	11	customer	customer	NOUN
gra-57	29	12	account	account	NOUN
gra-57	29	13	24	24	NUM
gra-57	29	14	hours	hour	NOUN
gra-57	29	15	a	a	DET
gra-57	29	16	day	day	NOUN
gra-57	29	17	,	,	PUNCT
gra-57	29	18	7	7	NUM
gra-57	29	19	days	day	NOUN
gra-57	29	20	a	a	DET
gra-57	29	21	week	week	NOUN
gra-57	29	22	,	,	PUNCT
gra-57	29	23	through	through	ADP
gra-57	29	24	the	the	DET
gra-57	29	25	internet	internet	NOUN
gra-57	29	26	.	.	PUNCT
gra-57	30	1	a	a	DET
gra-57	30	2	cyber	cyber	ADJ
gra-57	30	3	centric	centric	ADJ
gra-57	30	4	nancial	nancial	ADJ
gra-57	30	5	activity	activity	NOUN
gra-57	30	6	includes	include	VERB
gra-57	30	7	the	the	DET
gra-57	30	8	following	follow	VERB
gra-57	30	9	services	service	NOUN
gra-57	30	10	.	.	PUNCT
gra-57	31	1	they	they	PRON
gra-57	31	2	are	be	AUX
gra-57	31	3	1	1	NUM
gra-57	31	4	.	.	PUNCT
gra-57	31	5	net	net	ADJ
gra-57	31	6	banking	banking	NOUN
gra-57	31	7	–	–	PUNCT
gra-57	31	8	operating	operate	VERB
gra-57	31	9	and	and	CCONJ
gra-57	31	10	accessing	access	VERB
gra-57	31	11	the	the	DET
gra-57	31	12	bank	bank	NOUN
gra-57	31	13	account	account	NOUN
gra-57	31	14	through	through	ADP
gra-57	31	15	internet	internet	NOUN
gra-57	31	16	facilities	facility	NOUN
gra-57	31	17	.	.	PUNCT
gra-57	32	1	2	2	X
gra-57	32	2	.	.	X
gra-57	32	3	plastic	plastic	ADJ
gra-57	32	4	money	money	NOUN
gra-57	32	5	the	the	DET
gra-57	32	6	plastic	plastic	ADJ
gra-57	32	7	money	money	NOUN
gra-57	32	8	generally	generally	ADV
gra-57	32	9	a	a	DET
gra-57	32	10	credit	credit	NOUN
gra-57	32	11	or	or	CCONJ
gra-57	32	12	debit	debit	NOUN
gra-57	32	13	card	card	NOUN
gra-57	32	14	with	with	ADP
gra-57	32	15	a	a	DET
gra-57	32	16	magnetic	magnetic	ADJ
gra-57	32	17	strip	strip	NOUN
gra-57	32	18	,	,	PUNCT
gra-57	32	19	many	many	ADJ
gra-57	32	20	people	people	NOUN
gra-57	32	21	carry	carry	VERB
gra-57	32	22	in	in	ADP
gra-57	32	23	their	their	PRON
gra-57	32	24	wallets	wallet	NOUN
gra-57	32	25	or	or	CCONJ
gra-57	32	26	purses	purse	NOUN
gra-57	32	27	.	.	PUNCT
gra-57	33	1	holders	holder	NOUN
gra-57	33	2	of	of	ADP
gra-57	33	3	a	a	DET
gra-57	33	4	valid	valid	ADJ
gra-57	33	5	card	card	NOUN
gra-57	33	6	have	have	VERB
gra-57	33	7	the	the	DET
gra-57	33	8	authorization	authorization	NOUN
gra-57	33	9	to	to	PART
gra-57	33	10	purchase	purchase	VERB
gra-57	33	11	goods	good	NOUN
gra-57	33	12	and	and	CCONJ
gra-57	33	13	services	service	NOUN
gra-57	33	14	up	up	ADP
gra-57	33	15	to	to	ADP
gra-57	33	16	a	a	DET
gra-57	33	17	predetermined	predetermine	VERB
gra-57	33	18	amount	amount	NOUN
gra-57	33	19	,	,	PUNCT
gra-57	33	20	called	call	VERB
gra-57	33	21	a	a	DET
gra-57	33	22	credit	credit	NOUN
gra-57	33	23	limit	limit	NOUN
gra-57	33	24	for	for	ADP
gra-57	33	25	credit	credit	NOUN
gra-57	33	26	cards	card	NOUN
gra-57	33	27	and	and	CCONJ
gra-57	33	28	availability	availability	NOUN
gra-57	33	29	of	of	ADP
gra-57	33	30	balances	balance	NOUN
gra-57	33	31	for	for	ADP
gra-57	33	32	debit	debit	NOUN
gra-57	33	33	cards	card	NOUN
gra-57	33	34	.	.	PUNCT
gra-57	34	1	3	3	X
gra-57	34	2	.	.	X
gra-57	34	3	mobile	mobile	ADJ
gra-57	34	4	banking	banking	NOUN
gra-57	34	5	–	–	PUNCT
gra-57	34	6	availing	avail	VERB
gra-57	34	7	facilities	facility	NOUN
gra-57	34	8	through	through	ADP
gra-57	34	9	phones	phone	NOUN
gra-57	34	10	.	.	PUNCT
gra-57	35	1	normally	normally	ADV
gra-57	35	2	this	this	DET
gra-57	35	3	facility	facility	NOUN
gra-57	35	4	is	be	AUX
gra-57	35	5	available	available	ADJ
gra-57	35	6	in	in	ADP
gra-57	35	7	smart	smart	ADJ
gra-57	35	8	phones	phone	NOUN
gra-57	35	9	.	.	PUNCT
gra-57	36	1	but	but	CCONJ
gra-57	36	2	now	now	ADV
gra-57	36	3	central	central	ADJ
gra-57	36	4	government	government	NOUN
gra-57	36	5	has	have	AUX
gra-57	36	6	introduced	introduce	VERB
gra-57	36	7	these	these	DET
gra-57	36	8	facilities	facility	NOUN
gra-57	36	9	through	through	ADP
gra-57	36	10	ordinary	ordinary	ADJ
gra-57	36	11	cell	cell	NOUN
gra-57	36	12	phone	phone	NOUN
gra-57	36	13	through	through	ADP
gra-57	36	14	some	some	DET
gra-57	36	15	notied	notied	PROPN
gra-57	36	16	application	application	NOUN
gra-57	36	17	such	such	ADJ
gra-57	36	18	as	as	ADP
gra-57	36	19	bhim	bhim	NOUN
gra-57	36	20	,	,	PUNCT
gra-57	36	21	*	*	NOUN
gra-57	36	22	99	99	NUM
gra-57	36	23	#	#	NOUN
gra-57	36	24	etc	etc	X
gra-57	36	25	.	.	X
gra-57	36	26	,	,	PUNCT
gra-57	36	27	4	4	X
gra-57	36	28	.	.	PUNCT
gra-57	36	29	payment	payment	NOUN
gra-57	36	30	wallets	wallet	NOUN
gra-57	36	31	–	–	PUNCT
gra-57	36	32	these	these	PRON
gra-57	36	33	are	be	AUX
gra-57	36	34	electronic	electronic	ADJ
gra-57	36	35	applications	application	NOUN
gra-57	36	36	.	.	PUNCT
gra-57	37	1	the	the	DET
gra-57	37	2	customer	customer	NOUN
gra-57	37	3	can	can	AUX
gra-57	37	4	make	make	VERB
gra-57	37	5	payments	payment	NOUN
gra-57	37	6	for	for	ADP
gra-57	37	7	their	their	PRON
gra-57	37	8	purchases	purchase	NOUN
gra-57	37	9	through	through	ADP
gra-57	37	10	these	these	DET
gra-57	37	11	applications	application	NOUN
gra-57	37	12	such	such	ADJ
gra-57	37	13	as	as	ADP
gra-57	37	14	pay	pay	NOUN
gra-57	37	15	tm	tm	NOUN
gra-57	37	16	,	,	PUNCT
gra-57	37	17	mobivik	mobivik	ADV
gra-57	37	18	,	,	PUNCT
gra-57	37	19	freecharge	freecharge	NOUN
gra-57	37	20	etc	etc	X
gra-57	37	21	.	.	X
gra-57	37	22	,	,	PUNCT
gra-57	37	23	problems	problem	NOUN
gra-57	37	24	in	in	ADP
gra-57	37	25	cyber	cyber	ADJ
gra-57	37	26	centric	centric	ADJ
gra-57	37	27	financial	financial	ADJ
gra-57	37	28	transactions	transaction	NOUN
gra-57	37	29	:	:	PUNCT
gra-57	37	30	all	all	DET
gra-57	37	31	the	the	DET
gra-57	37	32	banking	banking	NOUN
gra-57	37	33	companies	company	NOUN
gra-57	37	34	,	,	PUNCT
gra-57	37	35	both	both	CCONJ
gra-57	37	36	public	public	ADJ
gra-57	37	37	sector	sector	NOUN
gra-57	37	38	and	and	CCONJ
gra-57	37	39	privatesector	privatesector	NOUN
gra-57	37	40	institutions	institution	NOUN
gra-57	37	41	and	and	CCONJ
gra-57	37	42	foreign	foreign	ADJ
gra-57	37	43	institutions	institution	NOUN
gra-57	37	44	are	be	AUX
gra-57	37	45	providing	provide	VERB
gra-57	37	46	these	these	DET
gra-57	37	47	new	new	ADJ
gra-57	37	48	phases	phase	NOUN
gra-57	37	49	of	of	ADP
gra-57	37	50	modern	modern	ADJ
gra-57	37	51	facilities	facility	NOUN
gra-57	37	52	.	.	PUNCT
gra-57	38	1	but	but	CCONJ
gra-57	38	2	the	the	DET
gra-57	38	3	question	question	NOUN
gra-57	38	4	is	be	AUX
gra-57	38	5	up	up	ADP
gra-57	38	6	to	to	ADP
gra-57	38	7	what	what	DET
gra-57	38	8	extent	extent	NOUN
gra-57	38	9	these	these	DET
gra-57	38	10	facilities	facility	NOUN
gra-57	38	11	are	be	AUX
gra-57	38	12	affordable	affordable	ADJ
gra-57	38	13	to	to	ADP
gra-57	38	14	the	the	DET
gra-57	38	15	customers	customer	NOUN
gra-57	38	16	in	in	ADP
gra-57	38	17	rural	rural	ADJ
gra-57	38	18	side	side	NOUN
gra-57	38	19	.	.	PUNCT
gra-57	39	1	cyber	cyber	PROPN
gra-57	39	2	centric	centric	ADJ
gra-57	39	3	financial	financial	ADJ
gra-57	39	4	transactions	transaction	NOUN
gra-57	39	5	–	–	PUNCT
gra-57	39	6	a	a	DET
gra-57	39	7	study	study	NOUN
gra-57	39	8	original	original	ADJ
gra-57	39	9	research	research	NOUN
gra-57	39	10	paper	paper	NOUN
gra-57	39	11	p.	p.	PROPN
gra-57	39	12	manivannan	manivannan	PROPN
gra-57	39	13	head	head	PROPN
gra-57	39	14	,	,	PUNCT
gra-57	39	15	department	department	NOUN
gra-57	39	16	of	of	ADP
gra-57	39	17	corporate	corporate	ADJ
gra-57	39	18	secretaryship	secretaryship	NOUN
gra-57	39	19	x	x	SYM
gra-57	39	20	47gjra	47gjra	PROPN
gra-57	39	21	global	global	ADJ
gra-57	39	22	journal	journal	PROPN
gra-57	39	23	for	for	ADP
gra-57	39	24	research	research	NOUN
gra-57	39	25	analysis	analysis	NOUN
gra-57	39	26	management	management	NOUN
gra-57	39	27	financial	financial	ADJ
gra-57	39	28	activities	activity	NOUN
gra-57	39	29	in	in	ADP
gra-57	39	30	india	india	PROPN
gra-57	39	31	have	have	AUX
gra-57	39	32	faced	face	VERB
gra-57	39	33	radical	radical	ADJ
gra-57	39	34	alterations	alteration	NOUN
gra-57	39	35	due	due	ADP
gra-57	39	36	to	to	ADP
gra-57	39	37	the	the	DET
gra-57	39	38	implementation	implementation	NOUN
gra-57	39	39	of	of	ADP
gra-57	39	40	new	new	ADJ
gra-57	39	41	economic	economic	ADJ
gra-57	39	42	policies	policy	NOUN
gra-57	39	43	.	.	PUNCT
gra-57	40	1	before	before	ADP
gra-57	40	2	liberalization	liberalization	NOUN
gra-57	40	3	,	,	PUNCT
gra-57	40	4	in	in	ADP
gra-57	40	5	1969	1969	NUM
gra-57	40	6	and	and	CCONJ
gra-57	40	7	1980	1980	NUM
gra-57	40	8	banking	banking	NOUN
gra-57	40	9	establishments	establishment	NOUN
gra-57	40	10	were	be	AUX
gra-57	40	11	nationalized	nationalize	VERB
gra-57	40	12	based	base	VERB
gra-57	40	13	on	on	ADP
gra-57	40	14	the	the	DET
gra-57	40	15	thrust	thrust	ADJ
gra-57	40	16	aim	aim	NOUN
gra-57	40	17	of	of	ADP
gra-57	40	18	supplementary	supplementary	ADJ
gra-57	40	19	banking	banking	NOUN
gra-57	40	20	i.e.	i.e.	X
gra-57	40	21	,	,	PUNCT
gra-57	40	22	rapid	rapid	ADJ
gra-57	40	23	spreading	spread	VERB
gra-57	40	24	out	out	ADP
gra-57	40	25	of	of	ADP
gra-57	40	26	banking	banking	NOUN
gra-57	40	27	activities	activity	NOUN
gra-57	40	28	.	.	PUNCT
gra-57	41	1	whereas	whereas	SCONJ
gra-57	41	2	now	now	ADV
gra-57	41	3	the	the	DET
gra-57	41	4	industry	industry	NOUN
gra-57	41	5	is	be	AUX
gra-57	41	6	operated	operate	VERB
gra-57	41	7	on	on	ADP
gra-57	41	8	the	the	DET
gra-57	41	9	concept	concept	NOUN
gra-57	41	10	of	of	ADP
gra-57	41	11	customer	customer	NOUN
gra-57	41	12	centric	centric	NOUN
gra-57	41	13	and	and	CCONJ
gra-57	41	14	cyber	cyber	ADJ
gra-57	41	15	centric	centric	ADJ
gra-57	41	16	banking	banking	NOUN
gra-57	41	17	i.e.	i.e.	X
gra-57	41	18	changed	change	VERB
gra-57	41	19	towards	towards	ADP
gra-57	41	20	“	"	PUNCT
gra-57	41	21	better	well	ADJ
gra-57	41	22	nancial	nancial	ADJ
gra-57	41	23	activities	activity	NOUN
gra-57	41	24	from	from	ADP
gra-57	41	25	more	more	ADJ
gra-57	41	26	nancial	nancial	ADJ
gra-57	41	27	activities	activity	NOUN
gra-57	41	28	”	"	PUNCT
gra-57	41	29	in	in	ADP
gra-57	41	30	order	order	NOUN
gra-57	41	31	to	to	PART
gra-57	41	32	face	face	VERB
gra-57	41	33	the	the	DET
gra-57	41	34	market	market	NOUN
gra-57	41	35	challenges	challenge	NOUN
gra-57	41	36	.	.	PUNCT
gra-57	42	1	after	after	ADP
gra-57	42	2	the	the	DET
gra-57	42	3	adoption	adoption	NOUN
gra-57	42	4	of	of	ADP
gra-57	42	5	technological	technological	ADJ
gra-57	42	6	development	development	NOUN
gra-57	42	7	it	it	PRON
gra-57	42	8	allows	allow	VERB
gra-57	42	9	the	the	DET
gra-57	42	10	banking	banking	NOUN
gra-57	42	11	businesses	business	NOUN
gra-57	42	12	and	and	CCONJ
gra-57	42	13	other	other	ADJ
gra-57	42	14	stakeholders	stakeholder	NOUN
gra-57	42	15	to	to	PART
gra-57	42	16	interact	interact	VERB
gra-57	42	17	and	and	CCONJ
gra-57	42	18	transact	transact	VERB
gra-57	42	19	with	with	ADP
gra-57	42	20	the	the	DET
gra-57	42	21	institutions	institution	NOUN
gra-57	42	22	seamlessly	seamlessly	ADV
gra-57	42	23	through	through	ADP
gra-57	42	24	a	a	DET
gra-57	42	25	variety	variety	NOUN
gra-57	42	26	of	of	ADP
gra-57	42	27	conduits	conduit	NOUN
gra-57	42	28	.	.	PUNCT
gra-57	43	1	they	they	PRON
gra-57	43	2	are	be	AUX
gra-57	43	3	internet	internet	NOUN
gra-57	43	4	,	,	PUNCT
gra-57	43	5	wireless	wireless	ADJ
gra-57	43	6	devices	device	NOUN
gra-57	43	7	,	,	PUNCT
gra-57	43	8	atm	atm	PROPN
gra-57	43	9	's	's	PART
gra-57	43	10	,	,	PUNCT
gra-57	43	11	mobile	mobile	ADJ
gra-57	43	12	payment	payment	NOUN
gra-57	43	13	wallets	wallet	NOUN
gra-57	43	14	and	and	CCONJ
gra-57	43	15	various	various	ADJ
gra-57	43	16	digital	digital	ADJ
gra-57	43	17	applications	application	NOUN
gra-57	43	18	.	.	PUNCT
gra-57	44	1	these	these	DET
gra-57	44	2	facilities	facility	NOUN
gra-57	44	3	are	be	AUX
gra-57	44	4	widely	widely	ADV
gra-57	44	5	provided	provide	VERB
gra-57	44	6	by	by	ADP
gra-57	44	7	almost	almost	ADV
gra-57	44	8	all	all	DET
gra-57	44	9	the	the	DET
gra-57	44	10	institutions	institution	NOUN
gra-57	44	11	.	.	PUNCT
gra-57	45	1	based	base	VERB
gra-57	45	2	on	on	ADP
gra-57	45	3	this	this	DET
gra-57	45	4	background	background	NOUN
gra-57	45	5	an	an	DET
gra-57	45	6	attempt	attempt	NOUN
gra-57	45	7	has	have	AUX
gra-57	45	8	been	be	AUX
gra-57	45	9	made	make	VERB
gra-57	45	10	to	to	PART
gra-57	45	11	draw	draw	VERB
gra-57	45	12	the	the	DET
gra-57	45	13	responses	response	NOUN
gra-57	45	14	about	about	ADP
gra-57	45	15	the	the	DET
gra-57	45	16	level	level	NOUN
gra-57	45	17	of	of	ADP
gra-57	45	18	usage	usage	NOUN
gra-57	45	19	and	and	CCONJ
gra-57	45	20	customer	customer	NOUN
gra-57	45	21	satisfaction	satisfaction	NOUN
gra-57	45	22	towards	towards	ADP
gra-57	45	23	cyber	cyber	ADJ
gra-57	45	24	centric	centric	ADJ
gra-57	45	25	financial	financial	ADJ
gra-57	45	26	activities	activity	NOUN
gra-57	45	27	.	.	PUNCT
gra-57	46	1	abstract	abstract	ADJ
gra-57	46	2	keywords	keyword	NOUN
gra-57	46	3	:	:	PUNCT
gra-57	46	4	financial	financial	ADJ
gra-57	46	5	activities	activity	NOUN
gra-57	46	6	,	,	PUNCT
gra-57	46	7	customer	customer	NOUN
gra-57	46	8	satisfaction	satisfaction	NOUN
gra-57	46	9	.	.	PUNCT
gra-57	47	1	volume-8	volume-8	NUM
gra-57	47	2	,	,	PUNCT
gra-57	47	3	issue-9	issue-9	NUM
gra-57	47	4	,	,	PUNCT
gra-57	47	5	september-2019	september-2019	ADJ
gra-57	47	6	•	•	NUM
gra-57	47	7	print	print	NOUN
gra-57	47	8	issn	issn	PROPN
gra-57	47	9	no	no	NOUN
gra-57	47	10	.	.	PROPN
gra-57	48	1	2277	2277	NUM
gra-57	48	2	8160	8160	NUM
gra-57	48	3	•	•	NOUN
gra-57	48	4	doi	doi	NOUN
gra-57	48	5	:	:	PUNCT
gra-57	48	6	10.36106	10.36106	NUM
gra-57	48	7	/	/	SYM
gra-57	48	8	gjra	gjra	ADJ
gra-57	48	9	variable	variable	NOUN
gra-57	48	10	18	18	NUM
gra-57	48	11	-	-	SYM
gra-57	48	12	30	30	NUM
gra-57	48	13	31	31	NUM
gra-57	48	14	-	-	SYM
gra-57	48	15	45	45	NUM
gra-57	48	16	years	year	NOUN
gra-57	48	17	46	46	NUM
gra-57	48	18	years	year	NOUN
gra-57	48	19	and	and	CCONJ
gra-57	48	20	above	above	ADP
gra-57	48	21	total	total	NOUN
gra-57	48	22	agree	agree	VERB
gra-57	48	23	45	45	NUM
gra-57	48	24	45	45	NUM
gra-57	48	25	26	26	NUM
gra-57	48	26	116	116	NUM
gra-57	48	27	disagree	disagree	VERB
gra-57	48	28	17	17	NUM
gra-57	48	29	34	34	NUM
gra-57	48	30	5	5	NUM
gra-57	48	31	56	56	NUM
gra-57	48	32	no	no	DET
gra-57	48	33	opinion	opinion	NOUN
gra-57	48	34	47	47	NUM
gra-57	48	35	62	62	NUM
gra-57	48	36	11	11	NUM
gra-57	48	37	120	120	NUM
gra-57	48	38	total	total	NOUN
gra-57	48	39	109	109	NUM
gra-57	48	40	141	141	NUM
gra-57	48	41	42	42	NUM
gra-57	48	42	292	292	NUM
gra-57	48	43	variable	variable	ADJ
gra-57	48	44	1830years	1830year	NOUN
gra-57	48	45	31	31	NUM
gra-57	48	46	-	-	SYM
gra-57	48	47	45	45	NUM
gra-57	48	48	years	year	NOUN
gra-57	48	49	46years	46year	NOUN
gra-57	48	50	and	and	CCONJ
gra-57	48	51	above	above	ADP
gra-57	48	52	total	total	NOUN
gra-57	48	53	almost	almost	ADV
gra-57	48	54	daily	daily	ADJ
gra-57	48	55	15	15	NUM
gra-57	48	56	9	9	NUM
gra-57	48	57	2	2	NUM
gra-57	48	58	26	26	NUM
gra-57	48	59	6	6	NUM
gra-57	48	60	-	-	SYM
gra-57	48	61	10	10	NUM
gra-57	48	62	times	time	NOUN
gra-57	48	63	in	in	ADP
gra-57	48	64	month	month	NOUN
gra-57	48	65	30	30	NUM
gra-57	48	66	36	36	NUM
gra-57	48	67	10	10	NUM
gra-57	48	68	76	76	NUM
gra-57	48	69	3	3	NUM
gra-57	48	70	-	-	SYM
gra-57	48	71	5	5	NUM
gra-57	48	72	times	time	NOUN
gra-57	48	73	in	in	ADP
gra-57	48	74	month	month	NOUN
gra-57	48	75	36	36	NUM
gra-57	48	76	69	69	NUM
gra-57	48	77	22	22	NUM
gra-57	48	78	127	127	NUM
gra-57	48	79	1	1	NUM
gra-57	48	80	-	-	SYM
gra-57	48	81	2	2	NUM
gra-57	48	82	time	time	NOUN
gra-57	48	83	in	in	ADP
gra-57	48	84	month	month	NOUN
gra-57	48	85	21	21	NUM
gra-57	48	86	21	21	NUM
gra-57	48	87	4	4	NUM
gra-57	48	88	46	46	NUM
gra-57	48	89	once	once	ADV
gra-57	48	90	in	in	ADP
gra-57	48	91	a	a	DET
gra-57	48	92	month	month	NOUN
gra-57	48	93	2	2	NUM
gra-57	48	94	3	3	NUM
gra-57	48	95	3	3	NUM
gra-57	48	96	8	8	NUM
gra-57	48	97	occasionally	occasionally	ADV
gra-57	48	98	used	use	VERB
gra-57	48	99	5	5	NUM
gra-57	48	100	3	3	NUM
gra-57	48	101	1	1	NUM
gra-57	48	102	9	9	NUM
gra-57	48	103	total	total	NOUN
gra-57	48	104	109	109	NUM
gra-57	48	105	141	141	NUM
gra-57	48	106	42	42	NUM
gra-57	48	107	292	292	NUM
gra-57	48	108	48	48	NUM
gra-57	48	109	x	x	SYM
gra-57	48	110	gjra	gjra	PROPN
gra-57	48	111	global	global	ADJ
gra-57	48	112	journal	journal	PROPN
gra-57	48	113	for	for	ADP
gra-57	48	114	research	research	NOUN
gra-57	48	115	analysis	analysis	NOUN
gra-57	48	116	objectives	objective	NOUN
gra-57	48	117	of	of	ADP
gra-57	48	118	the	the	DET
gra-57	48	119	study	study	NOUN
gra-57	48	120	:	:	PUNCT
gra-57	48	121	the	the	DET
gra-57	48	122	following	follow	VERB
gra-57	48	123	are	be	AUX
gra-57	48	124	the	the	DET
gra-57	48	125	important	important	ADJ
gra-57	48	126	objectives	objective	NOUN
gra-57	48	127	of	of	ADP
gra-57	48	128	the	the	DET
gra-57	48	129	study	study	NOUN
gra-57	48	130	.	.	PUNCT
gra-57	49	1	1	1	X
gra-57	49	2	.	.	X
gra-57	49	3	to	to	PART
gra-57	49	4	test	test	VERB
gra-57	49	5	the	the	DET
gra-57	49	6	awareness	awareness	NOUN
gra-57	49	7	and	and	CCONJ
gra-57	49	8	satisfaction	satisfaction	NOUN
gra-57	49	9	level	level	NOUN
gra-57	49	10	of	of	ADP
gra-57	49	11	the	the	DET
gra-57	49	12	respondents	respondent	NOUN
gra-57	49	13	.	.	PUNCT
gra-57	50	1	2	2	X
gra-57	50	2	.	.	X
gra-57	50	3	to	to	ADP
gra-57	50	4	nd	nd	PROPN
gra-57	50	5	out	out	ADP
gra-57	50	6	the	the	DET
gra-57	50	7	socio	socio	NOUN
gra-57	50	8	-	-	PUNCT
gra-57	50	9	economic	economic	ADJ
gra-57	50	10	proles	prole	NOUN
gra-57	50	11	of	of	ADP
gra-57	50	12	the	the	DET
gra-57	50	13	customers	customer	NOUN
gra-57	50	14	.	.	PUNCT
gra-57	51	1	3	3	X
gra-57	51	2	.	.	X
gra-57	51	3	to	to	PART
gra-57	51	4	explore	explore	VERB
gra-57	51	5	the	the	DET
gra-57	51	6	various	various	ADJ
gra-57	51	7	areas	area	NOUN
gra-57	51	8	of	of	ADP
gra-57	51	9	usage	usage	NOUN
gra-57	51	10	through	through	ADP
gra-57	51	11	modern	modern	ADJ
gra-57	51	12	payment	payment	NOUN
gra-57	51	13	systems	system	NOUN
gra-57	51	14	.	.	PUNCT
gra-57	52	1	importance	importance	NOUN
gra-57	52	2	of	of	ADP
gra-57	52	3	the	the	DET
gra-57	52	4	study	study	NOUN
gra-57	52	5	:	:	PUNCT
gra-57	52	6	the	the	DET
gra-57	52	7	ever	ever	ADV
gra-57	52	8	growing	grow	VERB
gra-57	52	9	demand	demand	NOUN
gra-57	52	10	for	for	ADP
gra-57	52	11	money	money	NOUN
gra-57	52	12	and	and	CCONJ
gra-57	52	13	banking	banking	NOUN
gra-57	52	14	activities	activity	NOUN
gra-57	52	15	,	,	PUNCT
gra-57	52	16	the	the	DET
gra-57	52	17	present	present	ADJ
gra-57	52	18	study	study	NOUN
gra-57	52	19	focuses	focus	VERB
gra-57	52	20	on	on	ADP
gra-57	52	21	the	the	DET
gra-57	52	22	opinion	opinion	NOUN
gra-57	52	23	about	about	ADP
gra-57	52	24	cyber	cyber	ADJ
gra-57	52	25	centric	centric	ADJ
gra-57	52	26	activities	activity	NOUN
gra-57	52	27	and	and	CCONJ
gra-57	52	28	how	how	SCONJ
gra-57	52	29	far	far	ADV
gra-57	52	30	the	the	DET
gra-57	52	31	need	need	NOUN
gra-57	52	32	of	of	ADP
gra-57	52	33	the	the	DET
gra-57	52	34	individual	individual	NOUN
gra-57	52	35	is	be	AUX
gra-57	52	36	satised	satised	PROPN
gra-57	52	37	.	.	PROPN
gra-57	52	38	survey	survey	NOUN
gra-57	52	39	period	period	NOUN
gra-57	52	40	:	:	PUNCT
gra-57	52	41	the	the	DET
gra-57	52	42	period	period	NOUN
gra-57	52	43	of	of	ADP
gra-57	52	44	survey	survey	NOUN
gra-57	52	45	was	be	AUX
gra-57	52	46	made	make	VERB
gra-57	52	47	in	in	ADP
gra-57	52	48	the	the	DET
gra-57	52	49	month	month	NOUN
gra-57	52	50	of	of	ADP
gra-57	52	51	january	january	PROPN
gra-57	52	52	2019	2019	NUM
gra-57	52	53	.	.	PUNCT
gra-57	53	1	limitations	limitation	NOUN
gra-57	53	2	of	of	ADP
gra-57	53	3	the	the	DET
gra-57	53	4	study	study	NOUN
gra-57	53	5	:	:	PUNCT
gra-57	53	6	the	the	DET
gra-57	53	7	main	main	ADJ
gra-57	53	8	limitations	limitation	NOUN
gra-57	53	9	of	of	ADP
gra-57	53	10	the	the	DET
gra-57	53	11	study	study	NOUN
gra-57	53	12	are	be	AUX
gra-57	53	13	as	as	SCONJ
gra-57	53	14	follows	follow	VERB
gra-57	53	15	:	:	PUNCT
gra-57	53	16	ÿ	ÿ	PROPN
gra-57	53	17	the	the	DET
gra-57	53	18	study	study	NOUN
gra-57	53	19	is	be	AUX
gra-57	53	20	based	base	VERB
gra-57	53	21	on	on	ADP
gra-57	53	22	the	the	DET
gra-57	53	23	opinion	opinion	NOUN
gra-57	53	24	of	of	ADP
gra-57	53	25	the	the	DET
gra-57	53	26	individuals	individual	NOUN
gra-57	53	27	in	in	ADP
gra-57	53	28	the	the	DET
gra-57	53	29	study	study	NOUN
gra-57	53	30	area	area	NOUN
gra-57	53	31	i.e.	i.e.	X
gra-57	53	32	chennai	chennai	PROPN
gra-57	53	33	.	.	PUNCT
gra-57	54	1	ÿ	ÿ	PROPN
gra-57	54	2	the	the	DET
gra-57	54	3	respondent	respondent	NOUN
gra-57	54	4	’s	’s	PART
gra-57	54	5	bias	bias	NOUN
gra-57	54	6	noticed	notice	VERB
gra-57	54	7	during	during	ADP
gra-57	54	8	the	the	DET
gra-57	54	9	survey	survey	NOUN
gra-57	54	10	may	may	AUX
gra-57	54	11	slightly	slightly	ADV
gra-57	54	12	inuence	inuence	PROPN
gra-57	54	13	the	the	DET
gra-57	54	14	ndings	nding	NOUN
gra-57	54	15	of	of	ADP
gra-57	54	16	the	the	DET
gra-57	54	17	study	study	NOUN
gra-57	54	18	.	.	PUNCT
gra-57	55	1	analysis	analysis	NOUN
gra-57	55	2	and	and	CCONJ
gra-57	55	3	interpretation	interpretation	NOUN
gra-57	55	4	:	:	PUNCT
gra-57	55	5	distribution	distribution	NOUN
gra-57	55	6	of	of	ADP
gra-57	55	7	respondents	respondent	NOUN
gra-57	55	8	according	accord	VERB
gra-57	55	9	to	to	ADP
gra-57	55	10	frequency	frequency	NOUN
gra-57	55	11	of	of	ADP
gra-57	55	12	usage	usage	NOUN
gra-57	55	13	and	and	CCONJ
gra-57	55	14	age	age	NOUN
gra-57	55	15	group	group	NOUN
gra-57	55	16	this	this	DET
gra-57	55	17	table	table	NOUN
gra-57	55	18	shows	show	VERB
gra-57	55	19	more	more	ADJ
gra-57	55	20	than	than	ADP
gra-57	55	21	50	50	NUM
gra-57	55	22	percent	percent	NOUN
gra-57	55	23	of	of	ADP
gra-57	55	24	the	the	DET
gra-57	55	25	respondents	respondent	NOUN
gra-57	55	26	are	be	AUX
gra-57	55	27	in	in	ADP
gra-57	55	28	the	the	DET
gra-57	55	29	age	age	NOUN
gra-57	55	30	group	group	NOUN
gra-57	55	31	of	of	ADP
gra-57	55	32	31	31	NUM
gra-57	55	33	-	-	SYM
gra-57	55	34	45	45	NUM
gra-57	55	35	years	year	NOUN
gra-57	55	36	,	,	PUNCT
gra-57	55	37	of	of	ADP
gra-57	55	38	which	which	PRON
gra-57	55	39	69	69	NUM
gra-57	55	40	respondents	respondent	NOUN
gra-57	55	41	are	be	AUX
gra-57	55	42	using	use	VERB
gra-57	55	43	modern	modern	ADJ
gra-57	55	44	banking	banking	NOUN
gra-57	55	45	services	service	NOUN
gra-57	55	46	3	3	NUM
gra-57	55	47	-	-	SYM
gra-57	55	48	5	5	NUM
gra-57	55	49	time	time	NOUN
gra-57	55	50	in	in	ADP
gra-57	55	51	month	month	NOUN
gra-57	55	52	.	.	PUNCT
gra-57	56	1	the	the	DET
gra-57	56	2	least	least	ADJ
gra-57	56	3	group	group	NOUN
gra-57	56	4	are	be	AUX
gra-57	56	5	in	in	ADP
gra-57	56	6	the	the	DET
gra-57	56	7	age	age	NOUN
gra-57	56	8	level	level	NOUN
gra-57	56	9	of	of	ADP
gra-57	56	10	more	more	ADJ
gra-57	56	11	than	than	ADP
gra-57	56	12	46	46	NUM
gra-57	56	13	years	year	NOUN
gra-57	56	14	.	.	PUNCT
gra-57	57	1	so	so	ADV
gra-57	57	2	it	it	PRON
gra-57	57	3	is	be	AUX
gra-57	57	4	evident	evident	ADJ
gra-57	57	5	that	that	SCONJ
gra-57	57	6	middle	middle	ADJ
gra-57	57	7	age	age	NOUN
gra-57	57	8	group	group	NOUN
gra-57	57	9	customers	customer	NOUN
gra-57	57	10	are	be	AUX
gra-57	57	11	availing	avail	VERB
gra-57	57	12	more	more	ADJ
gra-57	57	13	banking	banking	NOUN
gra-57	57	14	facilities	facility	NOUN
gra-57	57	15	.	.	PUNCT
gra-57	58	1	distribution	distribution	NOUN
gra-57	58	2	of	of	ADP
gra-57	58	3	respondents	respondent	NOUN
gra-57	58	4	according	accord	VERB
gra-57	58	5	to	to	ADP
gra-57	58	6	monthly	monthly	ADJ
gra-57	58	7	spending	spending	NOUN
gra-57	58	8	and	and	CCONJ
gra-57	58	9	age	age	NOUN
gra-57	58	10	group	group	NOUN
gra-57	58	11	this	this	DET
gra-57	58	12	table	table	NOUN
gra-57	58	13	shows	show	VERB
gra-57	58	14	the	the	DET
gra-57	58	15	amount	amount	NOUN
gra-57	58	16	spend	spend	VERB
gra-57	58	17	through	through	ADP
gra-57	58	18	new	new	ADJ
gra-57	58	19	age	age	NOUN
gra-57	58	20	payment	payment	NOUN
gra-57	58	21	system	system	NOUN
gra-57	58	22	and	and	CCONJ
gra-57	58	23	age	age	NOUN
gra-57	58	24	group	group	NOUN
gra-57	58	25	.	.	PUNCT
gra-57	59	1	it	it	PRON
gra-57	59	2	is	be	AUX
gra-57	59	3	observed	observe	VERB
gra-57	59	4	that	that	SCONJ
gra-57	59	5	,	,	PUNCT
gra-57	59	6	more	more	ADJ
gra-57	59	7	no	no	PRON
gra-57	59	8	of	of	ADP
gra-57	59	9	respondents	respondent	NOUN
gra-57	59	10	are	be	AUX
gra-57	59	11	in	in	ADP
gra-57	59	12	the	the	DET
gra-57	59	13	age	age	NOUN
gra-57	59	14	group	group	NOUN
gra-57	59	15	of	of	ADP
gra-57	59	16	31	31	NUM
gra-57	59	17	-	-	SYM
gra-57	59	18	45	45	NUM
gra-57	59	19	years	year	NOUN
gra-57	59	20	are	be	AUX
gra-57	59	21	spending	spend	VERB
gra-57	59	22	the	the	DET
gra-57	59	23	amount	amount	NOUN
gra-57	59	24	in	in	ADP
gra-57	59	25	the	the	DET
gra-57	59	26	category	category	NOUN
gra-57	59	27	of	of	ADP
gra-57	59	28	rs.5001	rs.5001	PROPN
gra-57	59	29	to	to	ADP
gra-57	59	30	rs.15000	rs.15000	PROPN
gra-57	59	31	.	.	PUNCT
gra-57	60	1	only	only	ADV
gra-57	60	2	7	7	NUM
gra-57	60	3	respondents	respondent	NOUN
gra-57	60	4	are	be	AUX
gra-57	60	5	spending	spend	VERB
gra-57	60	6	more	more	ADJ
gra-57	60	7	than	than	ADP
gra-57	60	8	rs	rs	NOUN
gra-57	60	9	.	.	PUNCT
gra-57	60	10	30000	30000	NUM
gra-57	60	11	through	through	ADP
gra-57	60	12	cyber	cyber	ADJ
gra-57	60	13	centric	centric	ADJ
gra-57	60	14	financial	financial	ADJ
gra-57	60	15	transactions	transaction	NOUN
gra-57	60	16	facilities	facility	NOUN
gra-57	60	17	.	.	PUNCT
gra-57	61	1	hence	hence	ADV
gra-57	61	2	it	it	PRON
gra-57	61	3	is	be	AUX
gra-57	61	4	clear	clear	ADJ
gra-57	61	5	that	that	SCONJ
gra-57	61	6	majority	majority	NOUN
gra-57	61	7	are	be	AUX
gra-57	61	8	spending	spend	VERB
gra-57	61	9	only	only	ADV
gra-57	61	10	reasonable	reasonable	ADJ
gra-57	61	11	amount	amount	NOUN
gra-57	61	12	and	and	CCONJ
gra-57	61	13	they	they	PRON
gra-57	61	14	are	be	AUX
gra-57	61	15	in	in	ADP
gra-57	61	16	middle	middle	ADJ
gra-57	61	17	age	age	NOUN
gra-57	61	18	group	group	NOUN
gra-57	61	19	.	.	PUNCT
gra-57	62	1	distribution	distribution	NOUN
gra-57	62	2	of	of	ADP
gra-57	62	3	respondents	respondent	NOUN
gra-57	62	4	according	accord	VERB
gra-57	62	5	to	to	ADP
gra-57	62	6	misuse	misuse	NOUN
gra-57	62	7	of	of	ADP
gra-57	62	8	facilities	facility	NOUN
gra-57	62	9	and	and	CCONJ
gra-57	62	10	gender	gender	NOUN
gra-57	62	11	this	this	DET
gra-57	62	12	table	table	NOUN
gra-57	62	13	shows	show	VERB
gra-57	62	14	the	the	PRON
gra-57	62	15	how	how	SCONJ
gra-57	62	16	many	many	ADJ
gra-57	62	17	respondents	respondent	NOUN
gra-57	62	18	are	be	AUX
gra-57	62	19	saying	say	VERB
gra-57	62	20	that	that	SCONJ
gra-57	62	21	their	their	PRON
gra-57	62	22	banking	banking	NOUN
gra-57	62	23	facilities	facility	NOUN
gra-57	62	24	i.e.	i.e.	X
gra-57	62	25	cards	card	NOUN
gra-57	62	26	,	,	PUNCT
gra-57	62	27	net	net	ADJ
gra-57	62	28	banking	banking	NOUN
gra-57	62	29	,	,	PUNCT
gra-57	62	30	phone	phone	NOUN
gra-57	62	31	banking	banking	NOUN
gra-57	62	32	facilities	facility	NOUN
gra-57	62	33	are	be	AUX
gra-57	62	34	misused	misuse	VERB
gra-57	62	35	.	.	PUNCT
gra-57	63	1	out	out	ADP
gra-57	63	2	of	of	ADP
gra-57	63	3	the	the	DET
gra-57	63	4	total	total	ADJ
gra-57	63	5	respondents	respondent	NOUN
gra-57	63	6	'	'	PART
gra-57	63	7	16	16	NUM
gra-57	63	8	male	male	ADJ
gra-57	63	9	respondents	respondent	NOUN
gra-57	63	10	and	and	CCONJ
gra-57	63	11	3	3	NUM
gra-57	63	12	female	female	ADJ
gra-57	63	13	respondents	respondent	NOUN
gra-57	63	14	have	have	AUX
gra-57	63	15	opinioned	opinione	VERB
gra-57	63	16	that	that	SCONJ
gra-57	63	17	,	,	PUNCT
gra-57	63	18	their	their	PRON
gra-57	63	19	accounts	account	NOUN
gra-57	63	20	are	be	AUX
gra-57	63	21	misused	misuse	VERB
gra-57	63	22	.	.	PUNCT
gra-57	64	1	in	in	ADP
gra-57	64	2	general	general	ADJ
gra-57	64	3	not	not	PART
gra-57	64	4	even	even	ADV
gra-57	64	5	10	10	NUM
gra-57	64	6	percent	percent	NOUN
gra-57	64	7	of	of	ADP
gra-57	64	8	the	the	DET
gra-57	64	9	respondent	respondent	NOUN
gra-57	64	10	's	's	PART
gra-57	64	11	account	account	NOUN
gra-57	64	12	is	be	AUX
gra-57	64	13	misused	misuse	VERB
gra-57	64	14	.	.	PUNCT
gra-57	65	1	so	so	ADV
gra-57	65	2	this	this	PRON
gra-57	65	3	may	may	AUX
gra-57	65	4	be	be	AUX
gra-57	65	5	on	on	ADP
gra-57	65	6	the	the	DET
gra-57	65	7	reason	reason	NOUN
gra-57	65	8	that	that	SCONJ
gra-57	65	9	,	,	PUNCT
gra-57	65	10	new	new	ADJ
gra-57	65	11	age	age	NOUN
gra-57	65	12	facilities	facility	NOUN
gra-57	65	13	are	be	AUX
gra-57	65	14	not	not	PART
gra-57	65	15	widely	widely	ADV
gra-57	65	16	used	use	VERB
gra-57	65	17	in	in	ADP
gra-57	65	18	the	the	DET
gra-57	65	19	study	study	NOUN
gra-57	65	20	area	area	NOUN
gra-57	65	21	.	.	PUNCT
gra-57	66	1	distribution	distribution	NOUN
gra-57	66	2	of	of	ADP
gra-57	66	3	respondents	respondent	NOUN
gra-57	66	4	according	accord	VERB
gra-57	66	5	to	to	ADP
gra-57	66	6	age	age	NOUN
gra-57	66	7	and	and	CCONJ
gra-57	66	8	legal	legal	ADJ
gra-57	66	9	system	system	NOUN
gra-57	66	10	this	this	DET
gra-57	66	11	table	table	NOUN
gra-57	66	12	shows	show	VERB
gra-57	66	13	the	the	DET
gra-57	66	14	level	level	NOUN
gra-57	66	15	of	of	ADP
gra-57	66	16	respondents	respondent	NOUN
gra-57	66	17	agreeing	agree	VERB
gra-57	66	18	that	that	SCONJ
gra-57	66	19	the	the	DET
gra-57	66	20	legal	legal	ADJ
gra-57	66	21	system	system	NOUN
gra-57	66	22	is	be	AUX
gra-57	66	23	confusing	confusing	ADJ
gra-57	66	24	and	and	CCONJ
gra-57	66	25	cumbersome	cumbersome	ADJ
gra-57	66	26	.	.	PUNCT
gra-57	67	1	out	out	ADP
gra-57	67	2	of	of	ADP
gra-57	67	3	the	the	DET
gra-57	67	4	respondents	respondent	NOUN
gra-57	67	5	in	in	ADP
gra-57	67	6	the	the	DET
gra-57	67	7	survey	survey	NOUN
gra-57	67	8	116	116	NUM
gra-57	67	9	respondents	respondent	NOUN
gra-57	67	10	have	have	AUX
gra-57	67	11	opinioned	opinione	VERB
gra-57	67	12	that	that	SCONJ
gra-57	67	13	the	the	DET
gra-57	67	14	legal	legal	ADJ
gra-57	67	15	system	system	NOUN
gra-57	67	16	is	be	AUX
gra-57	67	17	confusing	confusing	ADJ
gra-57	67	18	and	and	CCONJ
gra-57	67	19	cumbersome	cumbersome	ADJ
gra-57	67	20	.	.	PUNCT
gra-57	68	1	only	only	ADV
gra-57	68	2	56	56	NUM
gra-57	68	3	respondents	respondent	NOUN
gra-57	68	4	have	have	AUX
gra-57	68	5	disagreed	disagree	VERB
gra-57	68	6	this	this	DET
gra-57	68	7	statement	statement	NOUN
gra-57	68	8	.	.	PUNCT
gra-57	69	1	but	but	CCONJ
gra-57	69	2	at	at	ADP
gra-57	69	3	the	the	DET
gra-57	69	4	same	same	ADJ
gra-57	69	5	time	time	NOUN
gra-57	69	6	120	120	NUM
gra-57	69	7	respondents	respondent	NOUN
gra-57	69	8	have	have	AUX
gra-57	69	9	not	not	PART
gra-57	69	10	expressed	express	VERB
gra-57	69	11	any	any	DET
gra-57	69	12	opinion	opinion	NOUN
gra-57	69	13	.	.	PUNCT
gra-57	70	1	this	this	PRON
gra-57	70	2	is	be	AUX
gra-57	70	3	so	so	ADV
gra-57	70	4	evident	evident	ADJ
gra-57	70	5	because	because	SCONJ
gra-57	70	6	the	the	DET
gra-57	70	7	customers	customer	NOUN
gra-57	70	8	are	be	AUX
gra-57	70	9	not	not	PART
gra-57	70	10	fully	fully	ADV
gra-57	70	11	aware	aware	ADJ
gra-57	70	12	about	about	ADP
gra-57	70	13	the	the	DET
gra-57	70	14	legality	legality	NOUN
gra-57	70	15	cyber	cyber	NOUN
gra-57	70	16	centric	centric	ADJ
gra-57	70	17	financial	financial	ADJ
gra-57	70	18	transactions	transaction	NOUN
gra-57	70	19	.	.	PUNCT
gra-57	71	1	distribution	distribution	NOUN
gra-57	71	2	of	of	ADP
gra-57	71	3	respondents	respondent	NOUN
gra-57	71	4	according	accord	VERB
gra-57	71	5	to	to	ADP
gra-57	71	6	factors	factor	NOUN
gra-57	71	7	inuencing	inuence	VERB
gra-57	71	8	the	the	DET
gra-57	71	9	choice	choice	NOUN
gra-57	71	10	of	of	ADP
gra-57	71	11	cyber	cyber	ADJ
gra-57	71	12	centric	centric	ADJ
gra-57	71	13	financial	financial	ADJ
gra-57	71	14	transactions	transaction	NOUN
gra-57	71	15	this	this	DET
gra-57	71	16	table	table	NOUN
gra-57	71	17	shows	show	VERB
gra-57	71	18	the	the	DET
gra-57	71	19	ranking	ranking	NOUN
gra-57	71	20	of	of	ADP
gra-57	71	21	various	various	ADJ
gra-57	71	22	variables	variable	NOUN
gra-57	71	23	considered	consider	VERB
gra-57	71	24	for	for	ADP
gra-57	71	25	the	the	DET
gra-57	71	26	study	study	NOUN
gra-57	71	27	.	.	PUNCT
gra-57	72	1	out	out	ADP
gra-57	72	2	of	of	ADP
gra-57	72	3	the	the	DET
gra-57	72	4	variables	variable	NOUN
gra-57	72	5	considered	consider	VERB
gra-57	72	6	convenience	convenience	NOUN
gra-57	72	7	of	of	ADP
gra-57	72	8	using	use	VERB
gra-57	72	9	cyber	cyber	ADJ
gra-57	72	10	centric	centric	ADJ
gra-57	72	11	financial	financial	ADJ
gra-57	72	12	transactions	transaction	NOUN
gra-57	72	13	is	be	AUX
gra-57	72	14	ranked	rank	VERB
gra-57	72	15	1	1	NUM
gra-57	72	16	based	base	VERB
gra-57	72	17	on	on	ADP
gra-57	72	18	weighted	weight	VERB
gra-57	72	19	average	average	ADJ
gra-57	72	20	mean	mean	NOUN
gra-57	72	21	(	(	PUNCT
gra-57	72	22	wam	wam	PROPN
gra-57	72	23	)	)	PUNCT
gra-57	72	24	of	of	ADP
gra-57	72	25	11.01	11.01	NUM
gra-57	72	26	.	.	PUNCT
gra-57	73	1	this	this	PRON
gra-57	73	2	was	be	AUX
gra-57	73	3	followed	follow	VERB
gra-57	73	4	by	by	ADP
gra-57	73	5	acceptability	acceptability	NOUN
gra-57	73	6	of	of	ADP
gra-57	73	7	the	the	DET
gra-57	73	8	bank	bank	NOUN
gra-57	73	9	which	which	PRON
gra-57	73	10	secures	secure	VERB
gra-57	73	11	second	second	ADJ
gra-57	73	12	rank	rank	NOUN
gra-57	73	13	.	.	PUNCT
gra-57	74	1	among	among	ADP
gra-57	74	2	the	the	DET
gra-57	74	3	variables	variable	NOUN
gra-57	74	4	considered	consider	VERB
gra-57	74	5	less	less	ADV
gra-57	74	6	ranked	ranked	ADJ
gra-57	74	7	variable	variable	NOUN
gra-57	74	8	includes	include	VERB
gra-57	74	9	transaction	transaction	NOUN
gra-57	74	10	fees	fee	NOUN
gra-57	74	11	(	(	PUNCT
gra-57	74	12	12	12	NUM
gra-57	74	13	)	)	PUNCT
gra-57	74	14	,	,	PUNCT
gra-57	74	15	bank	bank	NOUN
gra-57	74	16	staff	staff	NOUN
gra-57	74	17	recommendation	recommendation	NOUN
gra-57	74	18	(	(	PUNCT
gra-57	74	19	11	11	NUM
gra-57	74	20	)	)	PUNCT
gra-57	74	21	and	and	CCONJ
gra-57	74	22	annual	annual	ADJ
gra-57	74	23	fees	fee	NOUN
gra-57	74	24	(	(	PUNCT
gra-57	74	25	10).the	10).the	DET
gra-57	74	26	anova	anova	PROPN
gra-57	74	27	result	result	PROPN
gra-57	74	28	indicates	indicate	VERB
gra-57	74	29	that	that	SCONJ
gra-57	74	30	status	status	NOUN
gra-57	74	31	symbol	symbol	NOUN
gra-57	74	32	and	and	CCONJ
gra-57	74	33	transaction	transaction	NOUN
gra-57	74	34	fees	fee	NOUN
gra-57	74	35	were	be	AUX
gra-57	74	36	statistically	statistically	ADV
gra-57	74	37	signicant	signicant	ADJ
gra-57	74	38	.	.	PUNCT
gra-57	75	1	distribution	distribution	NOUN
gra-57	75	2	of	of	ADP
gra-57	75	3	respondents	respondent	NOUN
gra-57	75	4	according	accord	VERB
gra-57	75	5	to	to	ADP
gra-57	75	6	spending	spending	NOUN
gra-57	75	7	pattern	pattern	NOUN
gra-57	75	8	through	through	ADP
gra-57	75	9	plastic	plastic	ADJ
gra-57	75	10	money	money	NOUN
gra-57	75	11	volume-8	volume-8	NUM
gra-57	75	12	,	,	PUNCT
gra-57	75	13	issue-9	issue-9	NUM
gra-57	75	14	,	,	PUNCT
gra-57	75	15	september-2019	september-2019	ADJ
gra-57	75	16	•	•	NUM
gra-57	75	17	print	print	NOUN
gra-57	75	18	issn	issn	PROPN
gra-57	75	19	no	no	NOUN
gra-57	75	20	.	.	PROPN
gra-57	75	21	2277	2277	NUM
gra-57	75	22	8160	8160	NUM
gra-57	75	23	•	•	NOUN
gra-57	75	24	doi	doi	NOUN
gra-57	75	25	:	:	PUNCT
gra-57	75	26	10.36106	10.36106	NUM
gra-57	75	27	/	/	SYM
gra-57	75	28	gjra	gjra	ADJ
gra-57	75	29	variable	variable	ADJ
gra-57	75	30	male	male	ADJ
gra-57	75	31	female	female	ADJ
gra-57	75	32	total	total	NOUN
gra-57	76	1	yes	yes	INTJ
gra-57	76	2	16	16	NUM
gra-57	76	3	3	3	NUM
gra-57	76	4	19	19	NUM
gra-57	76	5	no	no	DET
gra-57	76	6	210	210	NUM
gra-57	76	7	63	63	NUM
gra-57	76	8	273	273	NUM
gra-57	76	9	total	total	ADJ
gra-57	76	10	226	226	NUM
gra-57	76	11	66	66	NUM
gra-57	76	12	292	292	NUM
gra-57	76	13	variable	variable	ADJ
gra-57	76	14	18	18	NUM
gra-57	76	15	-	-	SYM
gra-57	76	16	30years	30years	NUM
gra-57	76	17	31	31	NUM
gra-57	76	18	-	-	SYM
gra-57	76	19	45	45	NUM
gra-57	76	20	years	year	NOUN
gra-57	76	21	4	4	NUM
gra-57	76	22	6	6	NUM
gra-57	76	23	y	y	NOUN
gra-57	76	24	e	e	NOUN
gra-57	76	25	a	a	DET
gra-57	76	26	r	r	NOUN
gra-57	76	27	s	s	NOUN
gra-57	76	28	and	and	CCONJ
gra-57	76	29	above	above	ADP
gra-57	76	30	total	total	NOUN
gra-57	76	31	<	<	X
gra-57	76	32	5000	5000	NUM
gra-57	76	33	40	40	NUM
gra-57	76	34	27	27	NUM
gra-57	76	35	9	9	NUM
gra-57	76	36	76	76	NUM
gra-57	76	37	rs.5001	rs.5001	PROPN
gra-57	76	38	to	to	ADP
gra-57	76	39	rs.15000	rs.15000	PROPN
gra-57	76	40	53	53	NUM
gra-57	76	41	77	77	NUM
gra-57	76	42	20	20	NUM
gra-57	76	43	150	150	NUM
gra-57	76	44	rs.15001	rs.15001	VERB
gra-57	76	45	to	to	ADP
gra-57	76	46	rs.30000	rs.30000	PROPN
gra-57	76	47	14	14	NUM
gra-57	76	48	33	33	NUM
gra-57	76	49	12	12	NUM
gra-57	76	50	59	59	NUM
gra-57	76	51	more	more	ADJ
gra-57	76	52	that	that	SCONJ
gra-57	76	53	rs.30000	rs.30000	ADJ
gra-57	76	54	2	2	NUM
gra-57	76	55	4	4	NUM
gra-57	76	56	1	1	NUM
gra-57	76	57	7	7	NUM
gra-57	76	58	total	total	NOUN
gra-57	76	59	109	109	NUM
gra-57	76	60	141	141	NUM
gra-57	76	61	42	42	NUM
gra-57	76	62	291	291	NUM
gra-57	76	63	s.no	s.no	PROPN
gra-57	76	64	variable	variable	ADJ
gra-57	76	65	rank	rank	NOUN
gra-57	76	66	wam	wam	PROPN
gra-57	76	67	e	e	PROPN
gra-57	76	68	value	value	VERB
gra-57	76	69	sig	sig	NOUN
gra-57	76	70	1	1	NUM
gra-57	76	71	convenience	convenience	NOUN
gra-57	76	72	1	1	NUM
gra-57	76	73	11.01	11.01	NUM
gra-57	76	74	4.37	4.37	NUM
gra-57	76	75	.014	.014	NUM
gra-57	76	76	2	2	NUM
gra-57	76	77	status	status	NOUN
gra-57	76	78	symbol	symbol	NOUN
gra-57	76	79	7	7	NUM
gra-57	76	80	6.48	6.48	NUM
gra-57	76	81	11.94	11.94	NUM
gra-57	76	82	0	0	NUM
gra-57	76	83	3	3	NUM
gra-57	76	84	brand	brand	NOUN
gra-57	76	85	of	of	ADP
gra-57	76	86	the	the	DET
gra-57	76	87	bank	bank	NOUN
gra-57	76	88	5	5	NUM
gra-57	76	89	7.17	7.17	NUM
gra-57	76	90	3.08	3.08	NUM
gra-57	76	91	.048	.048	NUM
gra-57	76	92	4	4	NUM
gra-57	76	93	acceptability	acceptability	NOUN
gra-57	76	94	2	2	NUM
gra-57	76	95	9.04	9.04	NUM
gra-57	76	96	0.81	0.81	NUM
gra-57	76	97	.0448	.0448	NOUN
gra-57	76	98	5	5	NUM
gra-57	76	99	charges	charge	NOUN
gra-57	76	100	for	for	ADP
gra-57	76	101	various	various	ADJ
gra-57	76	102	facilities	facility	NOUN
gra-57	76	103	3	3	NUM
gra-57	76	104	8.20	8.20	NUM
gra-57	76	105	2.11	2.11	NUM
gra-57	76	106	.0124	.0124	NOUN
gra-57	76	107	6	6	NUM
gra-57	76	108	distribution	distribution	NOUN
gra-57	76	109	network	network	NOUN
gra-57	76	110	4	4	NUM
gra-57	76	111	7.76	7.76	NUM
gra-57	76	112	3.51	3.51	NUM
gra-57	76	113	.032	.032	NUM
gra-57	76	114	7	7	NUM
gra-57	76	115	bank	bank	NOUN
gra-57	76	116	staff	staff	NOUN
gra-57	76	117	recommendation	recommendation	VERB
gra-57	76	118	11	11	NUM
gra-57	76	119	4.23	4.23	NUM
gra-57	76	120	3.73	3.73	NUM
gra-57	76	121	.026	.026	NUM
gra-57	76	122	8	8	NUM
gra-57	76	123	peer	peer	NOUN
gra-57	76	124	feed	feed	NOUN
gra-57	76	125	back	back	ADV
gra-57	76	126	9	9	NUM
gra-57	76	127	4.33	4.33	NUM
gra-57	76	128	4.49	4.49	NUM
gra-57	76	129	.012	.012	NUM
gra-57	76	130	9	9	NUM
gra-57	76	131	free	free	ADJ
gra-57	76	132	credit	credit	NOUN
gra-57	76	133	period	period	NOUN
gra-57	76	134	6	6	NUM
gra-57	76	135	6.59	6.59	NUM
gra-57	76	136	0.68	0.68	NUM
gra-57	76	137	.51	.51	NUM
gra-57	76	138	10	10	NUM
gra-57	76	139	credit	credit	NOUN
gra-57	76	140	limit	limit	NOUN
gra-57	76	141	8	8	NUM
gra-57	76	142	4.77	4.77	NUM
gra-57	76	143	4.96	4.96	NUM
gra-57	76	144	.008	.008	NUM
gra-57	76	145	11	11	NUM
gra-57	76	146	annual	annual	ADJ
gra-57	76	147	fees	fee	NOUN
gra-57	76	148	10	10	NUM
gra-57	76	149	4.3	4.3	NUM
gra-57	76	150	4.55	4.55	NUM
gra-57	76	151	.012	.012	NUM
gra-57	76	152	12	12	NUM
gra-57	76	153	transaction	transaction	NOUN
gra-57	76	154	fees	fee	NOUN
gra-57	76	155	12	12	NUM
gra-57	76	156	4.14	4.14	NUM
gra-57	76	157	7.11	7.11	NUM
gra-57	76	158	.001	.001	NUM
gra-57	76	159	s.no	s.no	PROPN
gra-57	76	160	variable	variable	ADJ
gra-57	76	161	rank	rank	NOUN
gra-57	76	162	wam	wam	PROPN
gra-57	77	1	f	f	PROPN
gra-57	78	1	value	value	VERB
gra-57	78	2	sig	sig	NOUN
gra-57	78	3	1	1	NUM
gra-57	78	4	groceries	grocery	NOUN
gra-57	78	5	1	1	NUM
gra-57	78	6	5.45	5.45	NUM
gra-57	78	7	3.46	3.46	NUM
gra-57	78	8	.033	.033	NUM
gra-57	78	9	2	2	NUM
gra-57	78	10	restaurant	restaurant	NOUN
gra-57	78	11	bill	bill	NOUN
gra-57	78	12	payment	payment	NOUN
gra-57	78	13	2	2	NUM
gra-57	78	14	5.4	5.4	NUM
gra-57	78	15	.51	.51	NUM
gra-57	78	16	.6	.6	NUM
gra-57	78	17	3	3	NUM
gra-57	78	18	consumer	consumer	NOUN
gra-57	78	19	durables	durable	NOUN
gra-57	78	20	5	5	NUM
gra-57	78	21	4.555	4.555	NUM
gra-57	78	22	.56	.56	NUM
gra-57	78	23	.57	.57	NUM
gra-57	78	24	4	4	NUM
gra-57	78	25	electronic	electronic	ADJ
gra-57	78	26	6	6	NUM
gra-57	78	27	4.315	4.315	NUM
gra-57	78	28	.30	.30	NUM
gra-57	78	29	.738	.738	NUM
gra-57	78	30	5	5	NUM
gra-57	78	31	cash	cash	NOUN
gra-57	78	32	withdrawn	withdraw	VERB
gra-57	78	33	through	through	ADP
gra-57	78	34	atm	atm	PROPN
gra-57	78	35	3	3	NUM
gra-57	78	36	4.965	4.965	NUM
gra-57	78	37	3.68	3.68	NUM
gra-57	78	38	.027	.027	NUM
gra-57	78	39	6	6	NUM
gra-57	78	40	hotel	hotel	NOUN
gra-57	78	41	accommodation	accommodation	NOUN
gra-57	78	42	8	8	NUM
gra-57	78	43	2.94	2.94	NUM
gra-57	78	44	0.48	0.48	NUM
gra-57	78	45	.619	.619	NUM
gra-57	78	46	7	7	NUM
gra-57	78	47	airlines	airline	NOUN
gra-57	78	48	/	/	SYM
gra-57	78	49	railway	railway	NOUN
gra-57	78	50	tickets	ticket	NOUN
gra-57	78	51	7	7	NUM
gra-57	78	52	3.595	3.595	NUM
gra-57	78	53	1.07	1.07	NUM
gra-57	78	54	.344	.344	NUM
gra-57	78	55	8	8	NUM
gra-57	78	56	clothing	clothing	NOUN
gra-57	78	57	and	and	CCONJ
gra-57	78	58	jewelry	jewelry	NOUN
gra-57	78	59	4	4	NUM
gra-57	78	60	4.78	4.78	NUM
gra-57	78	61	.20	.20	NUM
gra-57	78	62	.816	.816	NUM
gra-57	79	1	this	this	DET
gra-57	79	2	table	table	NOUN
gra-57	79	3	shows	show	VERB
gra-57	79	4	the	the	DET
gra-57	79	5	ranking	ranking	NOUN
gra-57	79	6	of	of	ADP
gra-57	79	7	variables	variable	NOUN
gra-57	79	8	based	base	VERB
gra-57	79	9	on	on	ADP
gra-57	79	10	the	the	DET
gra-57	79	11	spending	spending	NOUN
gra-57	79	12	pattern	pattern	NOUN
gra-57	79	13	of	of	ADP
gra-57	79	14	the	the	DET
gra-57	79	15	respondents	respondent	NOUN
gra-57	79	16	in	in	ADP
gra-57	79	17	the	the	DET
gra-57	79	18	study	study	NOUN
gra-57	79	19	area	area	NOUN
gra-57	79	20	.	.	PUNCT
gra-57	80	1	even	even	ADV
gra-57	80	2	though	though	SCONJ
gra-57	80	3	the	the	DET
gra-57	80	4	shops	shop	NOUN
gra-57	80	5	where	where	SCONJ
gra-57	80	6	possibilities	possibility	NOUN
gra-57	80	7	for	for	ADP
gra-57	80	8	digital	digital	ADJ
gra-57	80	9	payments	payment	NOUN
gra-57	80	10	are	be	AUX
gra-57	80	11	very	very	ADV
gra-57	80	12	limited	limited	ADJ
gra-57	80	13	,	,	PUNCT
gra-57	80	14	in	in	ADP
gra-57	80	15	spite	spite	NOUN
gra-57	80	16	of	of	ADP
gra-57	80	17	that	that	PRON
gra-57	80	18	also	also	ADV
gra-57	80	19	respondents	respondent	NOUN
gra-57	80	20	are	be	AUX
gra-57	80	21	willing	willing	ADJ
gra-57	80	22	to	to	PART
gra-57	80	23	avail	avail	VERB
gra-57	80	24	the	the	DET
gra-57	80	25	facilities	facility	NOUN
gra-57	80	26	of	of	ADP
gra-57	80	27	digital	digital	ADJ
gra-57	80	28	payments	payment	NOUN
gra-57	80	29	.	.	PUNCT
gra-57	81	1	among	among	ADP
gra-57	81	2	the	the	DET
gra-57	81	3	variables	variable	NOUN
gra-57	81	4	considered	consider	VERB
gra-57	81	5	groceries	grocery	NOUN
gra-57	81	6	is	be	AUX
gra-57	81	7	considered	consider	VERB
gra-57	81	8	as	as	ADP
gra-57	81	9	1st	1st	ADJ
gra-57	81	10	rank	rank	NOUN
gra-57	81	11	.	.	PUNCT
gra-57	82	1	the	the	DET
gra-57	82	2	least	least	ADV
gra-57	82	3	ranked	rank	VERB
gra-57	82	4	responses	response	NOUN
gra-57	82	5	are	be	AUX
gra-57	82	6	hotel	hotel	NOUN
gra-57	82	7	accommodation	accommodation	NOUN
gra-57	82	8	(	(	PUNCT
gra-57	82	9	8)	8)	NUM
gra-57	82	10	,	,	PUNCT
gra-57	82	11	travel	travel	NOUN
gra-57	82	12	ticket	ticket	NOUN
gra-57	82	13	booking	booking	NOUN
gra-57	82	14	(	(	PUNCT
gra-57	82	15	7	7	NUM
gra-57	82	16	)	)	PUNCT
gra-57	82	17	.	.	PUNCT
gra-57	83	1	and	and	CCONJ
gra-57	83	2	the	the	DET
gra-57	83	3	important	important	ADJ
gra-57	83	4	notable	notable	ADJ
gra-57	83	5	point	point	NOUN
gra-57	83	6	is	be	AUX
gra-57	83	7	usage	usage	NOUN
gra-57	83	8	of	of	ADP
gra-57	83	9	cards	card	NOUN
gra-57	83	10	for	for	ADP
gra-57	83	11	cash	cash	NOUN
gra-57	83	12	withdrawals	withdrawal	NOUN
gra-57	83	13	through	through	ADP
gra-57	83	14	atms	atms	NOUN
gra-57	83	15	secured	secure	VERB
gra-57	83	16	3rd	3rd	ADJ
gra-57	83	17	rank	rank	NOUN
gra-57	83	18	.	.	PUNCT
gra-57	84	1	but	but	CCONJ
gra-57	84	2	only	only	ADV
gra-57	84	3	three	three	NUM
gra-57	84	4	atms	atms	NOUN
gra-57	84	5	are	be	AUX
gra-57	84	6	working	work	VERB
gra-57	84	7	with	with	ADP
gra-57	84	8	cash	cash	NOUN
gra-57	84	9	.	.	PUNCT
gra-57	85	1	all	all	DET
gra-57	85	2	other	other	ADJ
gra-57	85	3	atms	atms	NOUN
gra-57	85	4	are	be	AUX
gra-57	85	5	having	have	VERB
gra-57	85	6	cash	cash	NOUN
gra-57	85	7	out	out	ADP
gra-57	85	8	position	position	NOUN
gra-57	85	9	on	on	ADP
gra-57	85	10	most	most	ADJ
gra-57	85	11	of	of	ADP
gra-57	85	12	the	the	DET
gra-57	85	13	days	day	NOUN
gra-57	85	14	during	during	ADP
gra-57	85	15	the	the	DET
gra-57	85	16	survey	survey	NOUN
gra-57	85	17	period	period	NOUN
gra-57	85	18	.	.	PUNCT
gra-57	86	1	major	major	ADJ
gra-57	86	2	findings	finding	NOUN
gra-57	86	3	of	of	ADP
gra-57	86	4	the	the	DET
gra-57	86	5	study	study	NOUN
gra-57	86	6	:	:	PUNCT
gra-57	86	7	ÿ	ÿ	ADP
gra-57	86	8	the	the	DET
gra-57	86	9	acceptability	acceptability	NOUN
gra-57	86	10	of	of	ADP
gra-57	86	11	new	new	ADJ
gra-57	86	12	age	age	NOUN
gra-57	86	13	payment	payment	NOUN
gra-57	86	14	wallets	wallet	NOUN
gra-57	86	15	is	be	AUX
gra-57	86	16	not	not	PART
gra-57	86	17	good	good	ADJ
gra-57	86	18	in	in	ADP
gra-57	86	19	the	the	DET
gra-57	86	20	study	study	NOUN
gra-57	86	21	area	area	NOUN
gra-57	86	22	.	.	PUNCT
gra-57	87	1	but	but	CCONJ
gra-57	87	2	many	many	ADJ
gra-57	87	3	of	of	ADP
gra-57	87	4	the	the	DET
gra-57	87	5	merchant	merchant	NOUN
gra-57	87	6	point	point	NOUN
gra-57	87	7	’s	’s	PART
gra-57	87	8	start	start	NOUN
gra-57	87	9	accepting	accept	VERB
gra-57	87	10	.	.	PUNCT
gra-57	88	1	ÿ	ÿ	ADP
gra-57	88	2	the	the	DET
gra-57	88	3	study	study	NOUN
gra-57	88	4	shows	show	VERB
gra-57	88	5	more	more	ADJ
gra-57	88	6	of	of	ADP
gra-57	88	7	male	male	ADJ
gra-57	88	8	respondents	respondent	NOUN
gra-57	88	9	agreed	agree	VERB
gra-57	88	10	that	that	SCONJ
gra-57	88	11	the	the	DET
gra-57	88	12	new	new	ADJ
gra-57	88	13	phase	phase	NOUN
gra-57	88	14	of	of	ADP
gra-57	88	15	facilities	facility	NOUN
gra-57	88	16	are	be	AUX
gra-57	88	17	essential	essential	ADJ
gra-57	88	18	than	than	ADP
gra-57	88	19	female	female	ADJ
gra-57	88	20	respondents	respondent	NOUN
gra-57	88	21	.	.	PUNCT
gra-57	89	1	ÿ	ÿ	PROPN
gra-57	89	2	the	the	DET
gra-57	89	3	age	age	NOUN
gra-57	89	4	-	-	PUNCT
gra-57	89	5	wise	wise	ADJ
gra-57	89	6	analysis	analysis	NOUN
gra-57	89	7	indicates	indicate	VERB
gra-57	89	8	that	that	SCONJ
gra-57	89	9	,	,	PUNCT
gra-57	89	10	out	out	ADP
gra-57	89	11	of	of	ADP
gra-57	89	12	the	the	DET
gra-57	89	13	total	total	ADJ
gra-57	89	14	respondents	respondent	NOUN
gra-57	89	15	who	who	PRON
gra-57	89	16	are	be	AUX
gra-57	89	17	using	use	VERB
gra-57	89	18	new	new	ADJ
gra-57	89	19	phase	phase	NOUN
gra-57	89	20	financial	financial	ADJ
gra-57	89	21	activity	activity	NOUN
gra-57	89	22	facilities	facility	NOUN
gra-57	89	23	,	,	PUNCT
gra-57	89	24	which	which	PRON
gra-57	89	25	comes	come	VERB
gra-57	89	26	to	to	ADP
gra-57	89	27	50	50	NUM
gra-57	89	28	%	%	NOUN
gra-57	89	29	(	(	PUNCT
gra-57	89	30	approx	approx	NOUN
gra-57	89	31	.	.	PUNCT
gra-57	89	32	)	)	PUNCT
gra-57	90	1	majority	majority	NOUN
gra-57	90	2	are	be	AUX
gra-57	90	3	in	in	ADP
gra-57	90	4	middle	middle	ADJ
gra-57	90	5	age	age	NOUN
gra-57	90	6	i.e.	i.e.	X
gra-57	90	7	31	31	NUM
gra-57	90	8	-	-	SYM
gra-57	90	9	45	45	NUM
gra-57	90	10	years	year	NOUN
gra-57	90	11	.	.	PUNCT
gra-57	91	1	this	this	PRON
gra-57	91	2	shows	show	VERB
gra-57	91	3	that	that	SCONJ
gra-57	91	4	middle	middle	ADJ
gra-57	91	5	and	and	CCONJ
gra-57	91	6	young	young	ADJ
gra-57	91	7	aged	aged	ADJ
gra-57	91	8	customers	customer	NOUN
gra-57	91	9	are	be	AUX
gra-57	91	10	ready	ready	ADJ
gra-57	91	11	to	to	PART
gra-57	91	12	accept	accept	VERB
gra-57	91	13	the	the	DET
gra-57	91	14	technological	technological	ADJ
gra-57	91	15	advancements	advancement	NOUN
gra-57	91	16	.	.	PUNCT
gra-57	92	1	ÿ	ÿ	PROPN
gra-57	92	2	the	the	DET
gra-57	92	3	survey	survey	NOUN
gra-57	92	4	further	far	ADV
gra-57	92	5	reveals	reveal	VERB
gra-57	92	6	that	that	SCONJ
gra-57	92	7	127	127	NUM
gra-57	92	8	respondents	respondent	NOUN
gra-57	92	9	have	have	AUX
gra-57	92	10	opinioned	opinione	VERB
gra-57	92	11	that	that	SCONJ
gra-57	92	12	they	they	PRON
gra-57	92	13	are	be	AUX
gra-57	92	14	using	use	VERB
gra-57	92	15	the	the	DET
gra-57	92	16	facilities	facility	NOUN
gra-57	92	17	ve	ve	PROPN
gra-57	92	18	times	time	NOUN
gra-57	92	19	in	in	ADP
gra-57	92	20	a	a	DET
gra-57	92	21	month	month	NOUN
gra-57	92	22	.	.	PUNCT
gra-57	93	1	on	on	ADP
gra-57	93	2	this	this	DET
gra-57	93	3	69	69	NUM
gra-57	93	4	respondents	respondent	NOUN
gra-57	93	5	who	who	PRON
gra-57	93	6	are	be	AUX
gra-57	93	7	in	in	ADP
gra-57	93	8	this	this	DET
gra-57	93	9	category	category	NOUN
gra-57	93	10	are	be	AUX
gra-57	93	11	in	in	ADP
gra-57	93	12	the	the	DET
gra-57	93	13	age	age	NOUN
gra-57	93	14	group	group	NOUN
gra-57	93	15	of	of	ADP
gra-57	93	16	31	31	NUM
gra-57	93	17	-	-	SYM
gra-57	93	18	45	45	NUM
gra-57	93	19	years	year	NOUN
gra-57	93	20	.	.	PUNCT
gra-57	94	1	conclusion	conclusion	NOUN
gra-57	94	2	:	:	PUNCT
gra-57	94	3	cyber	cyber	ADJ
gra-57	94	4	centric	centric	ADJ
gra-57	94	5	financial	financial	ADJ
gra-57	94	6	activities	activity	NOUN
gra-57	94	7	which	which	PRON
gra-57	94	8	was	be	AUX
gra-57	94	9	well	well	ADV
gra-57	94	10	thought	think	VERB
gra-57	94	11	-	-	PUNCT
gra-57	94	12	out	out	NOUN
gra-57	94	13	to	to	PART
gra-57	94	14	be	be	AUX
gra-57	94	15	a	a	DET
gra-57	94	16	luxury	luxury	NOUN
gra-57	94	17	has	have	AUX
gra-57	94	18	turned	turn	VERB
gra-57	94	19	into	into	ADP
gra-57	94	20	required	require	VERB
gra-57	94	21	.	.	PUNCT
gra-57	95	1	the	the	DET
gra-57	95	2	modern	modern	ADJ
gra-57	95	3	technological	technological	ADJ
gra-57	95	4	advancements	advancement	NOUN
gra-57	95	5	were	be	AUX
gra-57	95	6	considered	consider	VERB
gra-57	95	7	to	to	PART
gra-57	95	8	be	be	AUX
gra-57	95	9	used	use	VERB
gra-57	95	10	by	by	ADP
gra-57	95	11	higher	high	ADJ
gra-57	95	12	income	income	NOUN
gra-57	95	13	group	group	NOUN
gra-57	95	14	.	.	PUNCT
gra-57	96	1	among	among	ADP
gra-57	96	2	the	the	DET
gra-57	96	3	various	various	ADJ
gra-57	96	4	nancial	nancial	ADJ
gra-57	96	5	services	service	NOUN
gra-57	96	6	rendered	render	VERB
gra-57	96	7	by	by	ADP
gra-57	96	8	commercial	commercial	ADJ
gra-57	96	9	banks	bank	NOUN
gra-57	96	10	and	and	CCONJ
gra-57	96	11	other	other	ADJ
gra-57	96	12	nancial	nancial	ADJ
gra-57	96	13	institutions	institution	NOUN
gra-57	96	14	extending	extend	VERB
gra-57	96	15	their	their	PRON
gra-57	96	16	facility	facility	NOUN
gra-57	96	17	to	to	ADP
gra-57	96	18	customers	customer	NOUN
gra-57	96	19	through	through	ADP
gra-57	96	20	cyber	cyber	ADJ
gra-57	96	21	centric	centric	ADJ
gra-57	96	22	financial	financial	ADJ
gra-57	96	23	activities	activity	NOUN
gra-57	96	24	i.e.	i.e.	X
gra-57	96	25	,	,	PUNCT
gra-57	96	26	net	net	ADJ
gra-57	96	27	banking	banking	NOUN
gra-57	96	28	,	,	PUNCT
gra-57	96	29	plastic	plastic	NOUN
gra-57	96	30	money	money	NOUN
gra-57	96	31	,	,	PUNCT
gra-57	96	32	mobile	mobile	ADJ
gra-57	96	33	banking	banking	NOUN
gra-57	96	34	etc	etc	X
gra-57	96	35	.	.	X
gra-57	96	36	are	be	AUX
gra-57	96	37	important	important	ADJ
gra-57	96	38	modern	modern	ADJ
gra-57	96	39	day	day	NOUN
gra-57	96	40	function	function	NOUN
gra-57	96	41	.	.	PUNCT
gra-57	97	1	these	these	DET
gra-57	97	2	facilities	facility	NOUN
gra-57	97	3	are	be	AUX
gra-57	97	4	extended	extend	VERB
gra-57	97	5	not	not	PART
gra-57	97	6	only	only	ADV
gra-57	97	7	to	to	ADP
gra-57	97	8	customers	customer	NOUN
gra-57	97	9	in	in	ADP
gra-57	97	10	urban	urban	ADJ
gra-57	97	11	areas	area	NOUN
gra-57	97	12	or	or	CCONJ
gra-57	97	13	cities	city	NOUN
gra-57	97	14	,	,	PUNCT
gra-57	97	15	but	but	CCONJ
gra-57	97	16	also	also	ADV
gra-57	97	17	to	to	ADP
gra-57	97	18	customers	customer	NOUN
gra-57	97	19	residing	reside	VERB
gra-57	97	20	in	in	ADP
gra-57	97	21	rural	rural	ADJ
gra-57	97	22	area	area	NOUN
gra-57	97	23	.	.	PUNCT
gra-57	98	1	but	but	CCONJ
gra-57	98	2	today	today	NOUN
gra-57	98	3	,	,	PUNCT
gra-57	98	4	with	with	ADP
gra-57	98	5	the	the	DET
gra-57	98	6	development	development	NOUN
gra-57	98	7	of	of	ADP
gra-57	98	8	banking	banking	NOUN
gra-57	98	9	and	and	CCONJ
gra-57	98	10	trading	trading	NOUN
gra-57	98	11	activity	activity	NOUN
gra-57	98	12	,	,	PUNCT
gra-57	98	13	the	the	DET
gra-57	98	14	xed	xe	VERB
gra-57	98	15	income	income	NOUN
gra-57	98	16	group	group	NOUN
gra-57	98	17	or	or	CCONJ
gra-57	98	18	salaried	salary	VERB
gra-57	98	19	classes	class	NOUN
gra-57	98	20	have	have	AUX
gra-57	98	21	also	also	ADV
gra-57	98	22	start	start	VERB
gra-57	98	23	using	use	VERB
gra-57	98	24	these	these	DET
gra-57	98	25	facilities	facility	NOUN
gra-57	98	26	.	.	PUNCT
gra-57	99	1	but	but	CCONJ
gra-57	99	2	still	still	ADV
gra-57	99	3	there	there	PRON
gra-57	99	4	may	may	AUX
gra-57	99	5	be	be	AUX
gra-57	99	6	the	the	DET
gra-57	99	7	criticisms	criticism	NOUN
gra-57	99	8	that	that	PRON
gra-57	99	9	,	,	PUNCT
gra-57	99	10	it	it	PRON
gra-57	99	11	induces	induce	VERB
gra-57	99	12	more	more	ADJ
gra-57	99	13	purchases	purchase	NOUN
gra-57	99	14	or	or	CCONJ
gra-57	99	15	make	make	VERB
gra-57	99	16	the	the	DET
gra-57	99	17	people	people	NOUN
gra-57	99	18	for	for	ADP
gra-57	99	19	spend	spend	NOUN
gra-57	99	20	thrift	thrift	NOUN
gra-57	99	21	economy	economy	NOUN
gra-57	99	22	.	.	PUNCT
gra-57	100	1	this	this	PRON
gra-57	100	2	may	may	AUX
gra-57	100	3	be	be	AUX
gra-57	100	4	so	so	ADV
gra-57	100	5	in	in	ADP
gra-57	100	6	the	the	DET
gra-57	100	7	primary	primary	ADJ
gra-57	100	8	stage	stage	NOUN
gra-57	100	9	,	,	PUNCT
gra-57	100	10	but	but	CCONJ
gra-57	100	11	when	when	SCONJ
gra-57	100	12	once	once	SCONJ
gra-57	100	13	a	a	DET
gra-57	100	14	customer	customer	NOUN
gra-57	100	15	gets	get	AUX
gra-57	100	16	used	use	VERB
gra-57	100	17	to	to	PART
gra-57	100	18	avail	avail	VERB
gra-57	100	19	these	these	DET
gra-57	100	20	modern	modern	ADJ
gra-57	100	21	banking	banking	NOUN
gra-57	100	22	facilities	facility	NOUN
gra-57	100	23	they	they	PRON
gra-57	100	24	will	will	AUX
gra-57	100	25	know	know	VERB
gra-57	100	26	how	how	SCONJ
gra-57	100	27	to	to	PART
gra-57	100	28	use	use	VERB
gra-57	100	29	the	the	DET
gra-57	100	30	same	same	ADJ
gra-57	100	31	in	in	ADP
gra-57	100	32	a	a	DET
gra-57	100	33	discretionary	discretionary	ADJ
gra-57	100	34	manner	manner	NOUN
gra-57	100	35	.	.	PUNCT
gra-57	101	1	on	on	ADP
gra-57	101	2	the	the	DET
gra-57	101	3	whole	whole	NOUN
gra-57	101	4	,	,	PUNCT
gra-57	101	5	the	the	DET
gra-57	101	6	paper	paper	NOUN
gra-57	101	7	concludes	conclude	VERB
gra-57	101	8	that	that	SCONJ
gra-57	101	9	,	,	PUNCT
gra-57	101	10	availability	availability	NOUN
gra-57	101	11	of	of	ADP
gra-57	101	12	new	new	ADJ
gra-57	101	13	and	and	CCONJ
gra-57	101	14	modern	modern	ADJ
gra-57	101	15	age	age	NOUN
gra-57	101	16	facilities	facility	NOUN
gra-57	101	17	in	in	ADP
gra-57	101	18	the	the	DET
gra-57	101	19	nancial	nancial	ADJ
gra-57	101	20	sector	sector	NOUN
gra-57	101	21	are	be	AUX
gra-57	101	22	really	really	ADV
gra-57	101	23	considered	consider	VERB
gra-57	101	24	as	as	ADP
gra-57	101	25	opportunity	opportunity	NOUN
gra-57	101	26	in	in	ADP
gra-57	101	27	general	general	ADJ
gra-57	101	28	.	.	PUNCT
gra-57	102	1	but	but	CCONJ
gra-57	102	2	,	,	PUNCT
gra-57	102	3	the	the	DET
gra-57	102	4	same	same	ADJ
gra-57	102	5	is	be	AUX
gra-57	102	6	also	also	ADV
gra-57	102	7	considered	consider	VERB
gra-57	102	8	as	as	ADP
gra-57	102	9	a	a	DET
gra-57	102	10	threat	threat	NOUN
gra-57	102	11	in	in	ADP
gra-57	102	12	rural	rural	ADJ
gra-57	102	13	areas	area	NOUN
gra-57	102	14	.	.	PUNCT
gra-57	103	1	because	because	SCONJ
gra-57	103	2	they	they	PRON
gra-57	103	3	are	be	AUX
gra-57	103	4	partaking	partake	VERB
gra-57	103	5	glitches	glitch	NOUN
gra-57	103	6	with	with	ADP
gra-57	103	7	respect	respect	NOUN
gra-57	103	8	to	to	ADP
gra-57	103	9	cyber	cyber	ADJ
gra-57	103	10	centric	centric	ADJ
gra-57	103	11	financial	financial	ADJ
gra-57	103	12	transactions	transaction	NOUN
gra-57	103	13	i.e.	i.e.	X
gra-57	103	14	functioning	functioning	NOUN
gra-57	103	15	of	of	ADP
gra-57	103	16	atm	atm	NOUN
gra-57	103	17	,	,	PUNCT
gra-57	103	18	distribution	distribution	NOUN
gra-57	103	19	of	of	ADP
gra-57	103	20	network	network	NOUN
gra-57	103	21	,	,	PUNCT
gra-57	103	22	acceptability	acceptability	NOUN
gra-57	103	23	of	of	ADP
gra-57	103	24	new	new	ADJ
gra-57	103	25	age	age	NOUN
gra-57	103	26	payment	payment	NOUN
gra-57	103	27	systems	system	NOUN
gra-57	103	28	,	,	PUNCT
gra-57	103	29	safety	safety	NOUN
gra-57	103	30	of	of	ADP
gra-57	103	31	online	online	ADJ
gra-57	103	32	transactions	transaction	NOUN
gra-57	103	33	etc	etc	X
gra-57	103	34	.	.	X
gra-57	103	35	references	reference	NOUN
gra-57	103	36	:	:	PUNCT
gra-57	104	1	1	1	X
gra-57	104	2	.	.	X
gra-57	104	3	adam	adam	PROPN
gra-57	104	4	smith	smith	PROPN
gra-57	104	5	,	,	PUNCT
gra-57	104	6	“	"	PUNCT
gra-57	104	7	an	an	DET
gra-57	104	8	enquiry	enquiry	NOUN
gra-57	104	9	in	in	ADP
gra-57	104	10	to	to	ADP
gra-57	104	11	the	the	DET
gra-57	104	12	nature	nature	NOUN
gra-57	104	13	and	and	CCONJ
gra-57	104	14	causes	cause	NOUN
gra-57	104	15	of	of	ADP
gra-57	104	16	the	the	DET
gra-57	104	17	wealth	wealth	NOUN
gra-57	104	18	of	of	ADP
gra-57	104	19	nations	nation	NOUN
gra-57	104	20	”	"	PUNCT
gra-57	104	21	,	,	PUNCT
gra-57	104	22	769	769	NUM
gra-57	104	23	,	,	PUNCT
gra-57	104	24	vol	vol	NOUN
gra-57	104	25	iv	iv	NUM
gra-57	104	26	,	,	PUNCT
gra-57	104	27	pp	pp	ADJ
gra-57	104	28	.	.	PUNCT
gra-57	105	1	420	420	NUM
gra-57	105	2	-	-	SYM
gra-57	105	3	423	423	NUM
gra-57	105	4	.	.	NOUN
gra-57	106	1	2	2	NUM
gra-57	106	2	.	.	X
gra-57	106	3	press	press	NOUN
gra-57	106	4	notication	notication	PROPN
gra-57	106	5	of	of	ADP
gra-57	106	6	reserve	reserve	PROPN
gra-57	106	7	bank	bank	PROPN
gra-57	106	8	of	of	ADP
gra-57	106	9	india	india	PROPN
gra-57	106	10	,	,	PUNCT
gra-57	106	11	2004/663	2004/663	NUM
gra-57	106	12	,	,	PUNCT
gra-57	106	13	dated	date	VERB
gra-57	106	14	24th	24th	ADJ
gra-57	106	15	december	december	PROPN
gra-57	106	16	,	,	PUNCT
gra-57	106	17	2004	2004	NUM
gra-57	106	18	.	.	PUNCT
gra-57	107	1	3	3	X
gra-57	107	2	.	.	X
gra-57	107	3	gautam	gautam	PROPN
gra-57	107	4	gosh	gosh	PROPN
gra-57	107	5	,	,	PUNCT
gra-57	107	6	“	"	PUNCT
gra-57	107	7	spending	spending	NOUN
gra-57	107	8	is	be	AUX
gra-57	107	9	priority	priority	NOUN
gra-57	107	10	today	today	NOUN
gra-57	107	11	”	"	PUNCT
gra-57	107	12	,	,	PUNCT
gra-57	107	13	the	the	DET
gra-57	107	14	hindu	hindu	NOUN
gra-57	107	15	,	,	PUNCT
gra-57	107	16	31st	31st	ADJ
gra-57	107	17	october	october	PROPN
gra-57	107	18	1999	1999	NUM
gra-57	107	19	.	.	PUNCT
gra-57	108	1	4	4	X
gra-57	108	2	.	.	X
gra-57	108	3	investment	investment	NOUN
gra-57	108	4	world	world	NOUN
gra-57	108	5	,	,	PUNCT
gra-57	108	6	25th	25th	NOUN
gra-57	108	7	june	june	PROPN
gra-57	108	8	2000	2000	NUM
gra-57	108	9	,	,	PUNCT
gra-57	108	10	business	business	NOUN
gra-57	108	11	line	line	NOUN
gra-57	108	12	.	.	PUNCT
gra-57	109	1	5	5	X
gra-57	109	2	.	.	X
gra-57	109	3	banking	banking	NOUN
gra-57	109	4	on	on	ADP
gra-57	109	5	technology	technology	NOUN
gra-57	109	6	by	by	ADP
gra-57	109	7	priya	priya	PROPN
gra-57	109	8	nair	nair	PROPN
gra-57	109	9	.	.	PUNCT
gra-57	110	1	6	6	NUM
gra-57	110	2	.	.	NUM
gra-57	110	3	a.subramani	a.subramani	ADJ
gra-57	110	4	,	,	PUNCT
gra-57	110	5	“	"	PUNCT
gra-57	110	6	attention	attention	NOUN
gra-57	110	7	credit	credit	NOUN
gra-57	110	8	cards	card	NOUN
gra-57	110	9	”	"	PUNCT
gra-57	110	10	,	,	PUNCT
gra-57	110	11	the	the	DET
gra-57	110	12	hindu	hindu	NOUN
gra-57	110	13	,	,	PUNCT
gra-57	110	14	16th	16th	ADJ
gra-57	110	15	november	november	PROPN
gra-57	110	16	2006	2006	NUM
gra-57	110	17	.	.	PUNCT
gra-57	111	1	7	7	X
gra-57	111	2	.	.	X
gra-57	111	3	jyoti	jyoti	PROPN
gra-57	111	4	pal	pal	PROPN
gra-57	111	5	,	,	PUNCT
gra-57	111	6	“	"	PUNCT
gra-57	111	7	cards	card	NOUN
gra-57	111	8	in	in	ADP
gra-57	111	9	india	india	PROPN
gra-57	111	10	”	"	PUNCT
gra-57	111	11	,	,	PUNCT
gra-57	111	12	they	they	PRON
gra-57	111	13	money	money	NOUN
gra-57	111	14	times	time	NOUN
gra-57	111	15	,	,	PUNCT
gra-57	111	16	31st	31st	ADJ
gra-57	111	17	december	december	PROPN
gra-57	111	18	2006	2006	NUM
gra-57	111	19	.	.	PUNCT
gra-57	112	1	8	8	X
gra-57	112	2	.	.	PUNCT
gra-57	112	3	plastic	plastic	ADJ
gra-57	112	4	money	money	NOUN
gra-57	112	5	:	:	PUNCT
gra-57	112	6	roadway	roadway	NOUN
gra-57	112	7	towards	towards	ADP
gra-57	112	8	cash	cash	NOUN
gra-57	112	9	less	less	ADJ
gra-57	112	10	society	society	NOUN
gra-57	112	11	,	,	PUNCT
gra-57	112	12	bansi	bansi	PROPN
gra-57	112	13	patel	patel	PROPN
gra-57	112	14	and	and	CCONJ
gra-57	112	15	urvi	urvi	PROPN
gra-57	112	16	amin	amin	PROPN
gra-57	112	17	,	,	PUNCT
gra-57	112	18	paripex	paripex	ADJ
gra-57	112	19	-indian	-indian	ADJ
gra-57	112	20	journal	journal	NOUN
gra-57	112	21	of	of	ADP
gra-57	112	22	research	research	NOUN
gra-57	112	23	,	,	PUNCT
gra-57	112	24	volume	volume	NOUN
gra-57	112	25	1	1	NUM
gra-57	112	26	,	,	PUNCT
gra-57	112	27	issue	issue	NOUN
gra-57	112	28	11	11	NUM
gra-57	112	29	,	,	PUNCT
gra-57	112	30	november	november	PROPN
gra-57	112	31	2012	2012	NUM
gra-57	112	32	.	.	PUNCT
gra-57	113	1	9	9	X
gra-57	113	2	.	.	X
gra-57	113	3	plastic	plastic	ADJ
gra-57	113	4	money	money	NOUN
gra-57	113	5	a	a	DET
gra-57	113	6	way	way	NOUN
gra-57	113	7	for	for	ADP
gra-57	113	8	cash	cash	NOUN
gra-57	113	9	less	less	ADJ
gra-57	113	10	payment	payment	NOUN
gra-57	113	11	systems	system	NOUN
gra-57	113	12	,	,	PUNCT
gra-57	113	13	p.manivannan	p.manivannan	ADV
gra-57	113	14	,	,	PUNCT
gra-57	113	15	global	global	ADJ
gra-57	113	16	research	research	NOUN
gra-57	113	17	analysis	analysis	NOUN
gra-57	113	18	,	,	PUNCT
gra-57	113	19	volume	volume	NOUN
gra-57	113	20	2	2	NUM
gra-57	113	21	,	,	PUNCT
gra-57	113	22	issue	issue	NOUN
gra-57	113	23	1	1	NUM
gra-57	113	24	,	,	PUNCT
gra-57	113	25	january	january	PROPN
gra-57	113	26	2013	2013	NUM
gra-57	113	27	,	,	PUNCT
gra-57	113	28	pp11	pp11	PROPN
gra-57	113	29	-	-	PUNCT
gra-57	113	30	12	12	NUM
gra-57	113	31	10	10	NUM
gra-57	113	32	.	.	PUNCT
gra-57	114	1	mobile	mobile	ADJ
gra-57	114	2	payments	payment	NOUN
gra-57	114	3	in	in	ADP
gra-57	114	4	india	india	PROPN
gra-57	114	5	,	,	PUNCT
gra-57	114	6	deloitte	deloitte	PROPN
gra-57	114	7	,	,	PUNCT
gra-57	114	8	april	april	PROPN
gra-57	114	9	2011	2011	NUM
gra-57	114	10	.	.	PUNCT
gra-57	115	1	11	11	NUM
gra-57	115	2	.	.	PUNCT
gra-57	116	1	levesque	levesque	PROPN
gra-57	116	2	,	,	PUNCT
gra-57	116	3	and	and	CCONJ
gra-57	116	4	mc	mc	PROPN
gra-57	116	5	dougall	dougall	PROPN
gra-57	116	6	,	,	PUNCT
gra-57	116	7	“	"	PUNCT
gra-57	116	8	determinants	determinant	NOUN
gra-57	116	9	of	of	ADP
gra-57	116	10	customer	customer	NOUN
gra-57	116	11	satisfaction	satisfaction	NOUN
gra-57	116	12	in	in	ADP
gra-57	116	13	banking	banking	NOUN
gra-57	116	14	”	"	PUNCT
gra-57	116	15	,	,	PUNCT
gra-57	116	16	international	international	PROPN
gra-57	116	17	of	of	ADP
gra-57	116	18	journal	journal	NOUN
gra-57	116	19	of	of	ADP
gra-57	116	20	bank	bank	PROPN
gra-57	116	21	marketing	marketing	NOUN
gra-57	116	22	,	,	PUNCT
gra-57	116	23	14(7	14(7	NUM
gra-57	116	24	)	)	PUNCT
gra-57	116	25	,	,	PUNCT
gra-57	116	26	pp12	pp12	PROPN
gra-57	116	27	-	-	PUNCT
gra-57	116	28	20	20	NUM
gra-57	116	29	,	,	PUNCT
gra-57	116	30	1996	1996	NUM
gra-57	116	31	.	.	PUNCT
gra-57	117	1	12	12	NUM
gra-57	117	2	.	.	PUNCT
gra-57	118	1	anand	anand	PROPN
gra-57	118	2	,	,	PUNCT
gra-57	118	3	g.m	g.m	PROPN
gra-57	118	4	.	.	PROPN
gra-57	118	5	,	,	PUNCT
gra-57	118	6	murugauag	murugauag	PROPN
gra-57	118	7	,	,	PUNCT
gra-57	118	8	w.j	w.j	PROPN
gra-57	118	9	.	.	PROPN
gra-57	118	10	,	,	PUNCT
gra-57	118	11	2003	2003	NUM
gra-57	118	12	“	"	PUNCT
gra-57	118	13	comments	comment	NOUN
gra-57	118	14	on	on	ADP
gra-57	118	15	‘	'	PUNCT
gra-57	118	16	bank	bank	NOUN
gra-57	118	17	selection	selection	NOUN
gra-57	118	18	decision	decision	NOUN
gra-57	118	19	and	and	CCONJ
gra-57	118	20	market	market	NOUN
gra-57	118	21	segmentation	segmentation	NOUN
gra-57	118	22	”	"	PUNCT
gra-57	118	23	,	,	PUNCT
gra-57	118	24	journal	journal	NOUN
gra-57	118	25	of	of	ADP
gra-57	118	26	marketing	marketing	NOUN
gra-57	118	27	,	,	PUNCT
gra-57	118	28	october	october	PROPN
gra-57	118	29	,	,	PUNCT
gra-57	118	30	pp	pp	PROPN
gra-57	118	31	.	.	PUNCT
gra-57	119	1	89	89	NUM
gra-57	119	2	-	-	SYM
gra-57	119	3	91	91	NUM
gra-57	119	4	.	.	PUNCT
gra-57	120	1	13	13	NUM
gra-57	120	2	.	.	X
gra-57	121	1	s.n	s.n	PROPN
gra-57	121	2	.	.	PROPN
gra-57	121	3	maheswari	maheswari	PROPN
gra-57	121	4	and	and	CCONJ
gra-57	121	5	s.k.maheswari	s.k.maheswari	PROPN
gra-57	121	6	,	,	PUNCT
gra-57	121	7	“	"	PUNCT
gra-57	121	8	banking	banking	NOUN
gra-57	121	9	theory	theory	NOUN
gra-57	121	10	,	,	PUNCT
gra-57	121	11	law	law	NOUN
gra-57	121	12	&	&	CCONJ
gra-57	121	13	practice	practice	NOUN
gra-57	121	14	,	,	PUNCT
gra-57	121	15	kalyani	kalyani	PROPN
gra-57	121	16	publishers	publisher	NOUN
gra-57	121	17	,	,	PUNCT
gra-57	121	18	edition	edition	NOUN
gra-57	121	19	2005	2005	NUM
gra-57	121	20	,	,	PUNCT
gra-57	121	21	pp	pp	PROPN
gra-57	121	22	.	.	PUNCT
gra-57	122	1	i-4	i-4	PROPN
gra-57	122	2	.	.	PUNCT
gra-57	123	1	14	14	NUM
gra-57	123	2	.	.	X
gra-57	124	1	edward	edward	PROPN
gra-57	124	2	and	and	CCONJ
gra-57	124	3	others	other	NOUN
gra-57	124	4	,	,	PUNCT
gra-57	124	5	“	"	PUNCT
gra-57	124	6	commercial	commercial	ADJ
gra-57	124	7	banking	banking	NOUN
gra-57	124	8	”	"	PUNCT
gra-57	124	9	,	,	PUNCT
gra-57	124	10	englewood	englewood	PROPN
gra-57	124	11	cliffs	cliffs	PROPN
gra-57	124	12	,	,	PUNCT
gra-57	124	13	new	new	PROPN
gra-57	124	14	jersey	jersey	PROPN
gra-57	124	15	,	,	PUNCT
gra-57	124	16	pp	pp	PROPN
gra-57	124	17	.	.	PUNCT
gra-57	125	1	10	10	NUM
gra-57	125	2	-	-	SYM
gra-57	125	3	15	15	NUM
gra-57	125	4	.	.	NOUN
gra-57	126	1	15	15	NUM
gra-57	126	2	.	.	PUNCT
gra-57	127	1	www.google.com	www.google.com	X
gra-57	127	2	16	16	NUM
gra-57	127	3	.	.	PUNCT
gra-57	128	1	www.nowstuffworks.com	www.nowstuffworks.com	X
gra-57	128	2	x	x	PUNCT
gra-57	128	3	49gjra	49gjra	PROPN
gra-57	128	4	global	global	ADJ
gra-57	128	5	journal	journal	PROPN
gra-57	128	6	for	for	ADP
gra-57	128	7	research	research	NOUN
gra-57	128	8	analysis	analysis	NOUN
gra-57	128	9	volume-8	volume-8	NUM
gra-57	128	10	,	,	PUNCT
gra-57	128	11	issue-9	issue-9	NUM
gra-57	128	12	,	,	PUNCT
gra-57	128	13	september-2019	september-2019	ADJ
gra-57	128	14	•	•	NUM
gra-57	128	15	print	print	NOUN
gra-57	128	16	issn	issn	PROPN
gra-57	128	17	no	no	NOUN
gra-57	128	18	.	.	PROPN
gra-57	128	19	2277	2277	NUM
gra-57	128	20	8160	8160	NUM
gra-57	128	21	•	•	NOUN
gra-57	128	22	doi	doi	NOUN
gra-57	128	23	:	:	PUNCT
gra-57	128	24	10.36106	10.36106	NUM
gra-57	128	25	/	/	SYM
gra-57	128	26	gjra	gjra	NOUN