id	sid	tid	token	lemma	pos
gujaf-69	1	1	gusau	gusau	PROPN
gujaf-69	1	2	journal	journal	NOUN
gujaf-69	1	3	of	of	ADP
gujaf-69	1	4	accounting	accounting	NOUN
gujaf-69	1	5	and	and	CCONJ
gujaf-69	1	6	finance	finance	NOUN
gujaf-69	1	7	,	,	PUNCT
gujaf-69	1	8	vol	vol	NOUN
gujaf-69	1	9	.	.	PROPN
gujaf-69	1	10	2	2	NUM
gujaf-69	1	11	,	,	PUNCT
gujaf-69	1	12	issue	issue	NOUN
gujaf-69	1	13	2	2	NUM
gujaf-69	1	14	,	,	PUNCT
gujaf-69	1	15	april	april	PROPN
gujaf-69	1	16	,	,	PUNCT
gujaf-69	1	17	2021	2021	NUM
gujaf-69	1	18	1	1	NUM
gujaf-69	1	19	gusau	gusau	ADJ
gujaf-69	1	20	journal	journal	NOUN
gujaf-69	1	21	of	of	ADP
gujaf-69	1	22	accounting	accounting	NOUN
gujaf-69	1	23	and	and	CCONJ
gujaf-69	1	24	finance	finance	NOUN
gujaf-69	1	25	(	(	PUNCT
gujaf-69	1	26	gujaf	gujaf	NOUN
gujaf-69	1	27	)	)	PUNCT
gujaf-69	1	28	vol	vol	NOUN
gujaf-69	1	29	.	.	NOUN
gujaf-69	1	30	2	2	NUM
gujaf-69	1	31	issue	issue	NOUN
gujaf-69	1	32	2	2	NUM
gujaf-69	1	33	april	april	PROPN
gujaf-69	1	34	,	,	PUNCT
gujaf-69	1	35	2021	2021	NUM
gujaf-69	1	36	issn	issn	X
gujaf-69	1	37	:	:	PUNCT
gujaf-69	1	38	2756	2756	NUM
gujaf-69	1	39	-	-	PUNCT
gujaf-69	1	40	665x	665x	NOUN
gujaf-69	1	41	a	a	DET
gujaf-69	1	42	publication	publication	NOUN
gujaf-69	1	43	of	of	ADP
gujaf-69	1	44	department	department	NOUN
gujaf-69	1	45	of	of	ADP
gujaf-69	1	46	accounting	accounting	NOUN
gujaf-69	1	47	and	and	CCONJ
gujaf-69	1	48	finance	finance	NOUN
gujaf-69	1	49	,	,	PUNCT
gujaf-69	1	50	faculty	faculty	NOUN
gujaf-69	1	51	of	of	ADP
gujaf-69	1	52	management	management	NOUN
gujaf-69	1	53	and	and	CCONJ
gujaf-69	1	54	social	social	ADJ
gujaf-69	1	55	sciences	science	NOUN
gujaf-69	1	56	,	,	PUNCT
gujaf-69	1	57	federal	federal	ADJ
gujaf-69	1	58	university	university	NOUN
gujaf-69	1	59	gusau	gusau	NOUN
gujaf-69	1	60	,	,	PUNCT
gujaf-69	1	61	zamfara	zamfara	PROPN
gujaf-69	1	62	state	state	PROPN
gujaf-69	1	63	–	–	PUNCT
gujaf-69	1	64	nigeria	nigeria	PROPN
gujaf-69	1	65	gusau	gusau	PROPN
gujaf-69	1	66	journal	journal	PROPN
gujaf-69	1	67	of	of	ADP
gujaf-69	1	68	accounting	accounting	NOUN
gujaf-69	1	69	and	and	CCONJ
gujaf-69	1	70	finance	finance	NOUN
gujaf-69	1	71	,	,	PUNCT
gujaf-69	1	72	vol	vol	NOUN
gujaf-69	1	73	.	.	PROPN
gujaf-69	1	74	2	2	NUM
gujaf-69	1	75	,	,	PUNCT
gujaf-69	1	76	issue	issue	NOUN
gujaf-69	1	77	2	2	NUM
gujaf-69	1	78	,	,	PUNCT
gujaf-69	1	79	april	april	PROPN
gujaf-69	1	80	,	,	PUNCT
gujaf-69	1	81	2021	2021	NUM
gujaf-69	1	82	2	2	NUM
gujaf-69	1	83	effect	effect	NOUN
gujaf-69	1	84	of	of	ADP
gujaf-69	1	85	e	e	NOUN
gujaf-69	1	86	-	-	NOUN
gujaf-69	1	87	payments	payment	NOUN
gujaf-69	1	88	on	on	ADP
gujaf-69	1	89	performance	performance	NOUN
gujaf-69	1	90	of	of	ADP
gujaf-69	1	91	commercial	commercial	ADJ
gujaf-69	1	92	activities	activity	NOUN
gujaf-69	1	93	in	in	ADP
gujaf-69	1	94	yola	yola	PROPN
gujaf-69	1	95	metropolis	metropolis	PROPN
gujaf-69	1	96	of	of	ADP
gujaf-69	1	97	adamawa	adamawa	PROPN
gujaf-69	1	98	state	state	PROPN
gujaf-69	1	99	manu	manu	PROPN
gujaf-69	1	100	donga	donga	PROPN
gujaf-69	1	101	phd	phd	PROPN
gujaf-69	1	102	department	department	PROPN
gujaf-69	1	103	of	of	ADP
gujaf-69	1	104	economics	economics	PROPN
gujaf-69	1	105	modibbo	modibbo	PROPN
gujaf-69	1	106	adama	adama	PROPN
gujaf-69	1	107	university	university	PROPN
gujaf-69	1	108	of	of	ADP
gujaf-69	1	109	technology	technology	PROPN
gujaf-69	1	110	yola	yola	PROPN
gujaf-69	1	111	adamawa	adamawa	PROPN
gujaf-69	1	112	state	state	NOUN
gujaf-69	2	1	manudonga77@gmail.com	manudonga77@gmail.com	PROPN
gujaf-69	2	2	ismaila	ismaila	PROPN
gujaf-69	2	3	bello	bello	PROPN
gujaf-69	2	4	department	department	PROPN
gujaf-69	2	5	of	of	ADP
gujaf-69	2	6	economics	economics	PROPN
gujaf-69	2	7	federal	federal	PROPN
gujaf-69	2	8	university	university	PROPN
gujaf-69	2	9	gusau	gusau	PROPN
gujaf-69	2	10	,	,	PUNCT
gujaf-69	2	11	zamfara	zamfara	PROPN
gujaf-69	2	12	state	state	PROPN
gujaf-69	2	13	e-mail-ismailbello0364@gmail.com	e-mail-ismailbello0364@gmail.com	PROPN
gujaf-69	2	14	abstract	abstract	NOUN
gujaf-69	2	15	the	the	DET
gujaf-69	2	16	study	study	NOUN
gujaf-69	2	17	examined	examine	VERB
gujaf-69	2	18	the	the	DET
gujaf-69	2	19	effect	effect	NOUN
gujaf-69	2	20	of	of	ADP
gujaf-69	2	21	e	e	NOUN
gujaf-69	2	22	-	-	NOUN
gujaf-69	2	23	payments	payment	NOUN
gujaf-69	2	24	on	on	ADP
gujaf-69	2	25	performance	performance	NOUN
gujaf-69	2	26	of	of	ADP
gujaf-69	2	27	commercial	commercial	ADJ
gujaf-69	2	28	activities	activity	NOUN
gujaf-69	2	29	in	in	ADP
gujaf-69	2	30	yola	yola	PROPN
gujaf-69	2	31	metropolis	metropolis	PROPN
gujaf-69	2	32	,	,	PUNCT
gujaf-69	2	33	adamawa	adamawa	PROPN
gujaf-69	2	34	state	state	NOUN
gujaf-69	2	35	.	.	PUNCT
gujaf-69	3	1	primary	primary	ADJ
gujaf-69	3	2	data	datum	NOUN
gujaf-69	3	3	were	be	AUX
gujaf-69	3	4	sourced	source	VERB
gujaf-69	3	5	via	via	ADP
gujaf-69	3	6	the	the	DET
gujaf-69	3	7	administration	administration	NOUN
gujaf-69	3	8	of	of	ADP
gujaf-69	3	9	373	373	NUM
gujaf-69	3	10	structured	structured	ADJ
gujaf-69	3	11	questionnaires	questionnaire	NOUN
gujaf-69	3	12	designed	design	VERB
gujaf-69	3	13	in	in	ADP
gujaf-69	3	14	five	five	NUM
gujaf-69	3	15	likert	likert	ADJ
gujaf-69	3	16	scale	scale	NOUN
gujaf-69	3	17	format	format	NOUN
gujaf-69	3	18	out	out	ADP
gujaf-69	3	19	of	of	ADP
gujaf-69	3	20	which	which	PRON
gujaf-69	3	21	325	325	NUM
gujaf-69	3	22	were	be	AUX
gujaf-69	3	23	return	return	NOUN
gujaf-69	3	24	for	for	ADP
gujaf-69	3	25	analysis	analysis	NOUN
gujaf-69	3	26	.	.	PUNCT
gujaf-69	4	1	the	the	DET
gujaf-69	4	2	study	study	NOUN
gujaf-69	4	3	covered	cover	VERB
gujaf-69	4	4	the	the	DET
gujaf-69	4	5	period	period	NOUN
gujaf-69	4	6	from	from	ADP
gujaf-69	4	7	2019	2019	NUM
gujaf-69	4	8	to	to	ADP
gujaf-69	4	9	2020	2020	NUM
gujaf-69	4	10	.	.	PUNCT
gujaf-69	5	1	structural	structural	ADJ
gujaf-69	5	2	equation	equation	NOUN
gujaf-69	5	3	modeling	modeling	NOUN
gujaf-69	5	4	(	(	PUNCT
gujaf-69	5	5	sem	sem	NOUN
gujaf-69	5	6	)	)	PUNCT
gujaf-69	5	7	was	be	AUX
gujaf-69	5	8	employed	employ	VERB
gujaf-69	5	9	in	in	ADP
gujaf-69	5	10	identifying	identify	VERB
gujaf-69	5	11	the	the	DET
gujaf-69	5	12	effect	effect	NOUN
gujaf-69	5	13	of	of	ADP
gujaf-69	5	14	e	e	NOUN
gujaf-69	5	15	-	-	NOUN
gujaf-69	5	16	payment	payment	NOUN
gujaf-69	5	17	product	product	NOUN
gujaf-69	5	18	(	(	PUNCT
gujaf-69	5	19	point	point	NOUN
gujaf-69	5	20	of	of	ADP
gujaf-69	5	21	sale	sale	NOUN
gujaf-69	5	22	(	(	PUNCT
gujaf-69	5	23	pos	pos	NOUN
gujaf-69	5	24	)	)	PUNCT
gujaf-69	5	25	,	,	PUNCT
gujaf-69	5	26	mobile	mobile	ADJ
gujaf-69	5	27	banking	banking	NOUN
gujaf-69	5	28	and	and	CCONJ
gujaf-69	5	29	challenges	challenge	NOUN
gujaf-69	5	30	of	of	ADP
gujaf-69	5	31	e	e	NOUN
gujaf-69	5	32	-	-	NOUN
gujaf-69	5	33	payments	payment	NOUN
gujaf-69	5	34	on	on	ADP
gujaf-69	5	35	the	the	DET
gujaf-69	5	36	performance	performance	NOUN
gujaf-69	5	37	of	of	ADP
gujaf-69	5	38	commercial	commercial	ADJ
gujaf-69	5	39	activities	activity	NOUN
gujaf-69	5	40	)	)	PUNCT
gujaf-69	5	41	in	in	ADP
gujaf-69	5	42	yola	yola	PROPN
gujaf-69	5	43	metropolis	metropolis	PROPN
gujaf-69	5	44	of	of	ADP
gujaf-69	5	45	adamawa	adamawa	PROPN
gujaf-69	5	46	state	state	NOUN
gujaf-69	5	47	.	.	PUNCT
gujaf-69	6	1	the	the	DET
gujaf-69	6	2	data	datum	NOUN
gujaf-69	6	3	was	be	AUX
gujaf-69	6	4	normally	normally	ADV
gujaf-69	6	5	distributed	distribute	VERB
gujaf-69	6	6	as	as	SCONJ
gujaf-69	6	7	indicated	indicate	VERB
gujaf-69	6	8	by	by	ADP
gujaf-69	6	9	confirmatory	confirmatory	ADJ
gujaf-69	6	10	factor	factor	NOUN
gujaf-69	6	11	analysis	analysis	NOUN
gujaf-69	6	12	and	and	CCONJ
gujaf-69	6	13	normality	normality	NOUN
gujaf-69	6	14	test	test	NOUN
gujaf-69	6	15	.	.	PUNCT
gujaf-69	7	1	the	the	DET
gujaf-69	7	2	coefficient	coefficient	NOUN
gujaf-69	7	3	of	of	ADP
gujaf-69	7	4	mobile	mobile	ADJ
gujaf-69	7	5	banking	banking	NOUN
gujaf-69	7	6	and	and	CCONJ
gujaf-69	7	7	point	point	NOUN
gujaf-69	7	8	of	of	ADP
gujaf-69	7	9	sale	sale	NOUN
gujaf-69	7	10	(	(	PUNCT
gujaf-69	7	11	pos	pos	NOUN
gujaf-69	7	12	)	)	PUNCT
gujaf-69	7	13	,	,	PUNCT
gujaf-69	7	14	are	be	AUX
gujaf-69	7	15	positively	positively	ADV
gujaf-69	7	16	related	relate	VERB
gujaf-69	7	17	to	to	ADP
gujaf-69	7	18	performance	performance	NOUN
gujaf-69	7	19	of	of	ADP
gujaf-69	7	20	commercial	commercial	ADJ
gujaf-69	7	21	activities	activity	NOUN
gujaf-69	7	22	.	.	PUNCT
gujaf-69	8	1	this	this	PRON
gujaf-69	8	2	implies	imply	VERB
gujaf-69	8	3	that	that	SCONJ
gujaf-69	8	4	a	a	DET
gujaf-69	8	5	unit	unit	NOUN
gujaf-69	8	6	increase	increase	NOUN
gujaf-69	8	7	in	in	ADP
gujaf-69	8	8	mobile	mobile	ADJ
gujaf-69	8	9	banking	banking	NOUN
gujaf-69	8	10	transaction	transaction	NOUN
gujaf-69	8	11	increases	increase	VERB
gujaf-69	8	12	the	the	DET
gujaf-69	8	13	performance	performance	NOUN
gujaf-69	8	14	of	of	ADP
gujaf-69	8	15	commercial	commercial	ADJ
gujaf-69	8	16	activities	activity	NOUN
gujaf-69	8	17	in	in	ADP
gujaf-69	8	18	yola	yola	PROPN
gujaf-69	8	19	metropolis	metropolis	PROPN
gujaf-69	8	20	by	by	ADP
gujaf-69	8	21	0.433	0.433	NUM
gujaf-69	8	22	units	unit	NOUN
gujaf-69	8	23	.	.	PUNCT
gujaf-69	9	1	also	also	ADV
gujaf-69	9	2	one	one	NUM
gujaf-69	9	3	unit	unit	NOUN
gujaf-69	9	4	increase	increase	NOUN
gujaf-69	9	5	in	in	ADP
gujaf-69	9	6	point	point	NOUN
gujaf-69	9	7	of	of	ADP
gujaf-69	9	8	sale	sale	NOUN
gujaf-69	9	9	transaction	transaction	NOUN
gujaf-69	9	10	will	will	AUX
gujaf-69	9	11	increase	increase	VERB
gujaf-69	9	12	the	the	DET
gujaf-69	9	13	performance	performance	NOUN
gujaf-69	9	14	of	of	ADP
gujaf-69	9	15	commercial	commercial	ADJ
gujaf-69	9	16	activities	activity	NOUN
gujaf-69	9	17	in	in	ADP
gujaf-69	9	18	yola	yola	PROPN
gujaf-69	9	19	metropolis	metropolis	PROPN
gujaf-69	9	20	by	by	ADP
gujaf-69	9	21	0.454	0.454	NUM
gujaf-69	9	22	units	unit	NOUN
gujaf-69	9	23	.	.	PUNCT
gujaf-69	10	1	on	on	ADP
gujaf-69	10	2	the	the	DET
gujaf-69	10	3	other	other	ADJ
gujaf-69	10	4	hand	hand	NOUN
gujaf-69	10	5	there	there	PRON
gujaf-69	10	6	is	be	VERB
gujaf-69	10	7	negative	negative	ADJ
gujaf-69	10	8	relationship	relationship	NOUN
gujaf-69	10	9	between	between	ADP
gujaf-69	10	10	performance	performance	NOUN
gujaf-69	10	11	of	of	ADP
gujaf-69	10	12	commercial	commercial	ADJ
gujaf-69	10	13	activities	activity	NOUN
gujaf-69	10	14	in	in	ADP
gujaf-69	10	15	yola	yola	PROPN
gujaf-69	10	16	metropolis	metropolis	PROPN
gujaf-69	10	17	and	and	CCONJ
gujaf-69	10	18	challenges	challenge	NOUN
gujaf-69	10	19	of	of	ADP
gujaf-69	10	20	e	e	NOUN
gujaf-69	10	21	-	-	NOUN
gujaf-69	10	22	payments	payment	NOUN
gujaf-69	10	23	in	in	ADP
gujaf-69	10	24	yola	yola	PROPN
gujaf-69	10	25	metropolis	metropolis	PROPN
gujaf-69	10	26	.	.	PUNCT
gujaf-69	11	1	this	this	PRON
gujaf-69	11	2	implies	imply	VERB
gujaf-69	11	3	that	that	SCONJ
gujaf-69	11	4	one	one	NUM
gujaf-69	11	5	unit	unit	NOUN
gujaf-69	11	6	increase	increase	NOUN
gujaf-69	11	7	in	in	ADP
gujaf-69	11	8	challenges	challenge	NOUN
gujaf-69	11	9	of	of	ADP
gujaf-69	11	10	e	e	NOUN
gujaf-69	11	11	-	-	NOUN
gujaf-69	11	12	payments	payment	NOUN
gujaf-69	11	13	transaction	transaction	NOUN
gujaf-69	11	14	will	will	AUX
gujaf-69	11	15	decrease	decrease	VERB
gujaf-69	11	16	the	the	DET
gujaf-69	11	17	performance	performance	NOUN
gujaf-69	11	18	of	of	ADP
gujaf-69	11	19	commercial	commercial	ADJ
gujaf-69	11	20	activities	activity	NOUN
gujaf-69	11	21	in	in	ADP
gujaf-69	11	22	yola	yola	PROPN
gujaf-69	11	23	metropolis	metropolis	PROPN
gujaf-69	11	24	by	by	ADP
gujaf-69	11	25	-.121units	-.121units	PROPN
gujaf-69	11	26	.	.	PUNCT
gujaf-69	12	1	moreover	moreover	ADV
gujaf-69	12	2	,	,	PUNCT
gujaf-69	12	3	the	the	DET
gujaf-69	12	4	coefficient	coefficient	NOUN
gujaf-69	12	5	of	of	ADP
gujaf-69	12	6	mobile	mobile	ADJ
gujaf-69	12	7	banking	banking	NOUN
gujaf-69	12	8	,	,	PUNCT
gujaf-69	12	9	point	point	NOUN
gujaf-69	12	10	of	of	ADP
gujaf-69	12	11	sale	sale	NOUN
gujaf-69	12	12	and	and	CCONJ
gujaf-69	12	13	challenges	challenge	NOUN
gujaf-69	12	14	of	of	ADP
gujaf-69	12	15	e	e	NOUN
gujaf-69	12	16	-	-	NOUN
gujaf-69	12	17	payments	payment	NOUN
gujaf-69	12	18	are	be	AUX
gujaf-69	12	19	found	find	VERB
gujaf-69	12	20	to	to	PART
gujaf-69	12	21	be	be	AUX
gujaf-69	12	22	statistically	statistically	ADV
gujaf-69	12	23	significant	significant	ADJ
gujaf-69	12	24	at	at	ADP
gujaf-69	12	25	1	1	NUM
gujaf-69	12	26	per	per	ADP
gujaf-69	12	27	cent	cent	NOUN
gujaf-69	12	28	.	.	PUNCT
gujaf-69	13	1	hence	hence	ADV
gujaf-69	13	2	,	,	PUNCT
gujaf-69	13	3	the	the	DET
gujaf-69	13	4	null	null	ADJ
gujaf-69	13	5	hypothesis	hypothesis	NOUN
gujaf-69	13	6	was	be	AUX
gujaf-69	13	7	rejected	reject	VERB
gujaf-69	13	8	.	.	PUNCT
gujaf-69	14	1	the	the	DET
gujaf-69	14	2	study	study	NOUN
gujaf-69	14	3	recommends	recommend	VERB
gujaf-69	14	4	that	that	SCONJ
gujaf-69	14	5	government	government	NOUN
gujaf-69	14	6	and	and	CCONJ
gujaf-69	14	7	relevant	relevant	ADJ
gujaf-69	14	8	authorities	authority	NOUN
gujaf-69	14	9	should	should	AUX
gujaf-69	14	10	formulate	formulate	VERB
gujaf-69	14	11	monetary	monetary	ADJ
gujaf-69	14	12	policies	policy	NOUN
gujaf-69	14	13	aimed	aim	VERB
gujaf-69	14	14	at	at	ADP
gujaf-69	14	15	encouraging	encourage	VERB
gujaf-69	14	16	and	and	CCONJ
gujaf-69	14	17	improved	improve	VERB
gujaf-69	14	18	e	e	NOUN
gujaf-69	14	19	-	-	ADJ
gujaf-69	14	20	payment	payment	NOUN
gujaf-69	14	21	system	system	NOUN
gujaf-69	14	22	so	so	SCONJ
gujaf-69	14	23	as	as	SCONJ
gujaf-69	14	24	to	to	PART
gujaf-69	14	25	actualize	actualize	VERB
gujaf-69	14	26	the	the	DET
gujaf-69	14	27	objective	objective	NOUN
gujaf-69	14	28	of	of	ADP
gujaf-69	14	29	epayment	epayment	ADJ
gujaf-69	14	30	system	system	NOUN
gujaf-69	14	31	in	in	ADP
gujaf-69	14	32	adamawa	adamawa	PROPN
gujaf-69	14	33	state	state	PROPN
gujaf-69	14	34	and	and	CCONJ
gujaf-69	14	35	nigeria	nigeria	PROPN
gujaf-69	14	36	.	.	PUNCT
gujaf-69	15	1	keywords	keyword	NOUN
gujaf-69	15	2	:	:	PUNCT
gujaf-69	15	3	e	e	NOUN
gujaf-69	15	4	-	-	NOUN
gujaf-69	15	5	payments	payment	NOUN
gujaf-69	15	6	,	,	PUNCT
gujaf-69	15	7	commercial	commercial	ADJ
gujaf-69	15	8	activities	activity	NOUN
gujaf-69	15	9	,	,	PUNCT
gujaf-69	15	10	mobile	mobile	ADJ
gujaf-69	15	11	banking	banking	NOUN
gujaf-69	15	12	,	,	PUNCT
gujaf-69	15	13	point	point	NOUN
gujaf-69	15	14	of	of	ADP
gujaf-69	15	15	sale	sale	NOUN
gujaf-69	15	16	,	,	PUNCT
gujaf-69	15	17	sem	sem	PROPN
gujaf-69	15	18	,	,	PUNCT
gujaf-69	15	19	yola	yola	PROPN
gujaf-69	15	20	metropolis	metropolis	PROPN
gujaf-69	15	21	1	1	NUM
gujaf-69	15	22	.	.	PUNCT
gujaf-69	16	1	introduction	introduction	NOUN
gujaf-69	16	2	e	e	NOUN
gujaf-69	16	3	-	-	ADJ
gujaf-69	16	4	payment	payment	NOUN
gujaf-69	16	5	system	system	NOUN
gujaf-69	16	6	is	be	AUX
gujaf-69	16	7	the	the	DET
gujaf-69	16	8	electronic	electronic	ADJ
gujaf-69	16	9	cycles	cycle	NOUN
gujaf-69	16	10	of	of	ADP
gujaf-69	16	11	trading	trade	VERB
gujaf-69	16	12	monetary	monetary	ADJ
gujaf-69	16	13	value	value	NOUN
gujaf-69	16	14	between	between	ADP
gujaf-69	16	15	parties	party	NOUN
gujaf-69	16	16	in	in	ADP
gujaf-69	16	17	business	business	NOUN
gujaf-69	16	18	transactions	transaction	NOUN
gujaf-69	16	19	and	and	CCONJ
gujaf-69	16	20	sending	send	VERB
gujaf-69	16	21	this	this	DET
gujaf-69	16	22	money	money	NOUN
gujaf-69	16	23	related	relate	VERB
gujaf-69	16	24	value	value	NOUN
gujaf-69	16	25	through	through	ADP
gujaf-69	16	26	information	information	NOUN
gujaf-69	16	27	and	and	CCONJ
gujaf-69	16	28	communication	communication	NOUN
gujaf-69	16	29	technology	technology	NOUN
gujaf-69	16	30	(	(	PUNCT
gujaf-69	16	31	ict	ict	NOUN
gujaf-69	16	32	)	)	PUNCT
gujaf-69	16	33	organizations	organization	NOUN
gujaf-69	16	34	.	.	PUNCT
gujaf-69	17	1	the	the	DET
gujaf-69	17	2	normal	normal	ADJ
gujaf-69	17	3	electronic	electronic	ADJ
gujaf-69	17	4	items	item	NOUN
gujaf-69	17	5	incorporate	incorporate	VERB
gujaf-69	17	6	the	the	DET
gujaf-69	17	7	installment	installment	NOUN
gujaf-69	17	8	cards	card	NOUN
gujaf-69	17	9	(	(	PUNCT
gujaf-69	17	10	charge	charge	NOUN
gujaf-69	17	11	or	or	CCONJ
gujaf-69	17	12	credit	credit	NOUN
gujaf-69	17	13	)	)	PUNCT
gujaf-69	17	14	,	,	PUNCT
gujaf-69	17	15	online	online	ADJ
gujaf-69	17	16	web	web	NOUN
gujaf-69	17	17	-	-	PUNCT
gujaf-69	17	18	based	base	VERB
gujaf-69	17	19	interfaces	interface	NOUN
gujaf-69	17	20	,	,	PUNCT
gujaf-69	17	21	retail	retail	ADJ
gujaf-69	17	22	location	location	NOUN
gujaf-69	17	23	terminals	terminal	NOUN
gujaf-69	17	24	(	(	PUNCT
gujaf-69	17	25	pos	pos	NOUN
gujaf-69	17	26	)	)	PUNCT
gujaf-69	17	27	,	,	PUNCT
gujaf-69	17	28	automated	automate	VERB
gujaf-69	17	29	teller	teller	NOUN
gujaf-69	17	30	machines	machine	NOUN
gujaf-69	17	31	,	,	PUNCT
gujaf-69	17	32	mobile	mobile	ADJ
gujaf-69	17	33	telephones	telephone	NOUN
gujaf-69	17	34	,	,	PUNCT
gujaf-69	17	35	automated	automate	VERB
gujaf-69	17	36	clearing	clearing	NOUN
gujaf-69	17	37	house	house	NOUN
gujaf-69	17	38	,	,	PUNCT
gujaf-69	17	39	direct	direct	ADJ
gujaf-69	17	40	charge	charge	NOUN
gujaf-69	17	41	/	/	SYM
gujaf-69	17	42	store	store	NOUN
gujaf-69	17	43	and	and	CCONJ
gujaf-69	17	44	ongoing	ongoing	ADJ
gujaf-69	17	45	gross	gross	ADJ
gujaf-69	17	46	settlement	settlement	NOUN
gujaf-69	17	47	framework	framework	NOUN
gujaf-69	17	48	(	(	PUNCT
gujaf-69	17	49	nnaka	nnaka	VERB
gujaf-69	17	50	,	,	PUNCT
gujaf-69	17	51	2009	2009	NUM
gujaf-69	17	52	)	)	PUNCT
gujaf-69	17	53	.	.	PUNCT
gujaf-69	18	1	accordin	accordin	PROPN
gujaf-69	18	2	to	to	ADP
gujaf-69	18	3	baddeley,(2004	baddeley,(2004	PROPN
gujaf-69	18	4	)	)	PUNCT
gujaf-69	18	5	the	the	DET
gujaf-69	18	6	overall	overall	ADJ
gujaf-69	18	7	acknowledgment	acknowledgment	NOUN
gujaf-69	18	8	of	of	ADP
gujaf-69	18	9	electronic	electronic	ADJ
gujaf-69	18	10	exchang	exchang	PROPN
gujaf-69	18	11	relies	rely	VERB
gujaf-69	18	12	upon	upon	SCONJ
gujaf-69	18	13	the	the	DET
gujaf-69	18	14	accessibility	accessibility	NOUN
gujaf-69	18	15	of	of	ADP
gujaf-69	18	16	a	a	DET
gujaf-69	18	17	got	get	VERB
gujaf-69	18	18	and	and	CCONJ
gujaf-69	18	19	confided	confide	VERB
gujaf-69	18	20	in	in	ADP
gujaf-69	18	21	electronic	electronic	ADJ
gujaf-69	18	22	-	-	PUNCT
gujaf-69	18	23	payment	payment	NOUN
gujaf-69	18	24	system	system	NOUN
gujaf-69	18	25	.	.	PUNCT
gujaf-69	19	1	the	the	DET
gujaf-69	19	2	different	different	ADJ
gujaf-69	19	3	classes	class	NOUN
gujaf-69	19	4	of	of	ADP
gujaf-69	19	5	web	web	NOUN
gujaf-69	19	6	based	base	VERB
gujaf-69	19	7	business	business	NOUN
gujaf-69	19	8	incorporate	incorporate	VERB
gujaf-69	19	9	business	business	NOUN
gujaf-69	19	10	-	-	PUNCT
gujaf-69	19	11	to	to	ADP
gujaf-69	19	12	-	-	PUNCT
gujaf-69	19	13	business	business	NOUN
gujaf-69	19	14	,	,	PUNCT
gujaf-69	19	15	deals	deal	NOUN
gujaf-69	19	16	between	between	ADP
gujaf-69	19	17	associations	association	NOUN
gujaf-69	19	18	that	that	PRON
gujaf-69	19	19	include	include	VERB
gujaf-69	19	20	organizations	organization	NOUN
gujaf-69	19	21	purchasing	purchase	VERB
gujaf-69	19	22	and	and	CCONJ
gujaf-69	19	23	offering	offer	VERB
gujaf-69	19	24	to	to	ADP
gujaf-69	19	25	one	one	NUM
gujaf-69	19	26	another	another	DET
gujaf-69	19	27	;	;	PUNCT
gujaf-69	19	28	business	business	NOUN
gujaf-69	19	29	to	to	ADP
gujaf-69	19	30	consumer	consumer	NOUN
gujaf-69	19	31	,	,	PUNCT
gujaf-69	19	32	deals	deal	NOUN
gujaf-69	19	33	among	among	ADP
gujaf-69	19	34	associations	association	NOUN
gujaf-69	19	35	and	and	CCONJ
gujaf-69	19	36	shoppers	shopper	NOUN
gujaf-69	19	37	where	where	SCONJ
gujaf-69	19	38	labor	labor	NOUN
gujaf-69	19	39	and	and	CCONJ
gujaf-69	19	40	products	product	NOUN
gujaf-69	19	41	are	be	AUX
gujaf-69	19	42	sold	sell	VERB
gujaf-69	19	43	straightforwardly	straightforwardly	ADV
gujaf-69	19	44	to	to	ADP
gujaf-69	19	45	the	the	DET
gujaf-69	19	46	purchaser	purchaser	NOUN
gujaf-69	19	47	,	,	PUNCT
gujaf-69	19	48	consumer	consumer	NOUN
gujaf-69	19	49	to	to	ADP
gujaf-69	19	50	business	business	NOUN
gujaf-69	19	51	,	,	PUNCT
gujaf-69	19	52	deals	deal	NOUN
gujaf-69	19	53	among	among	ADP
gujaf-69	19	54	buyers	buyer	NOUN
gujaf-69	19	55	and	and	CCONJ
gujaf-69	19	56	associations	association	NOUN
gujaf-69	19	57	,	,	PUNCT
gujaf-69	19	58	where	where	SCONJ
gujaf-69	19	59	purchasers	purchaser	NOUN
gujaf-69	19	60	can	can	AUX
gujaf-69	19	61	set	set	VERB
gujaf-69	19	62	costs	cost	NOUN
gujaf-69	19	63	for	for	ADP
gujaf-69	19	64	the	the	DET
gujaf-69	19	65	two	two	NUM
gujaf-69	19	66	labor	labor	NOUN
gujaf-69	19	67	and	and	CCONJ
gujaf-69	19	68	products	product	NOUN
gujaf-69	19	69	offered	offer	VERB
gujaf-69	19	70	(	(	PUNCT
gujaf-69	19	71	ayo	ayo	PROPN
gujaf-69	19	72	,	,	PUNCT
gujaf-69	19	73	2009	2009	NUM
gujaf-69	19	74	)	)	PUNCT
gujaf-69	19	75	.	.	PUNCT
gujaf-69	20	1	according	accord	VERB
gujaf-69	20	2	to	to	ADP
gujaf-69	20	3	international	international	ADJ
gujaf-69	20	4	monetary	monetary	ADJ
gujaf-69	20	5	fund	fund	NOUN
gujaf-69	20	6	(	(	PUNCT
gujaf-69	20	7	imf	imf	PROPN
gujaf-69	20	8	)	)	PUNCT
gujaf-69	20	9	and	and	CCONJ
gujaf-69	20	10	the	the	DET
gujaf-69	20	11	world	world	PROPN
gujaf-69	20	12	bank	bank	PROPN
gujaf-69	20	13	,	,	PUNCT
gujaf-69	20	14	nigeria	nigeria	PROPN
gujaf-69	20	15	has	have	VERB
gujaf-69	20	16	the	the	DET
gujaf-69	20	17	largest	large	ADJ
gujaf-69	20	18	economy	economy	NOUN
gujaf-69	20	19	in	in	ADP
gujaf-69	20	20	africa	africa	PROPN
gujaf-69	20	21	,	,	PUNCT
gujaf-69	20	22	therefore	therefore	ADV
gujaf-69	20	23	there	there	PRON
gujaf-69	20	24	is	be	VERB
gujaf-69	20	25	need	need	NOUN
gujaf-69	20	26	for	for	ADP
gujaf-69	20	27	convenient	convenient	ADJ
gujaf-69	20	28	and	and	CCONJ
gujaf-69	20	29	conducive	conducive	ADJ
gujaf-69	20	30	marketing	marketing	NOUN
gujaf-69	20	31	channels	channel	NOUN
gujaf-69	20	32	and	and	CCONJ
gujaf-69	20	33	service	service	NOUN
gujaf-69	20	34	delivery	delivery	NOUN
gujaf-69	20	35	in	in	ADP
gujaf-69	20	36	the	the	DET
gujaf-69	20	37	banking	banking	NOUN
gujaf-69	20	38	sector	sector	NOUN
gujaf-69	20	39	.	.	PUNCT
gujaf-69	21	1	however	however	ADV
gujaf-69	21	2	,	,	PUNCT
gujaf-69	21	3	according	accord	VERB
gujaf-69	21	4	to	to	ADP
gujaf-69	21	5	chibueze	chibueze	PROPN
gujaf-69	21	6	(	(	PUNCT
gujaf-69	21	7	2006	2006	NUM
gujaf-69	21	8	)	)	PUNCT
gujaf-69	21	9	when	when	SCONJ
gujaf-69	21	10	new	new	ADJ
gujaf-69	21	11	gusau	gusau	ADJ
gujaf-69	21	12	journal	journal	NOUN
gujaf-69	21	13	of	of	ADP
gujaf-69	21	14	accounting	accounting	NOUN
gujaf-69	21	15	and	and	CCONJ
gujaf-69	21	16	finance	finance	NOUN
gujaf-69	21	17	,	,	PUNCT
gujaf-69	21	18	vol	vol	NOUN
gujaf-69	21	19	.	.	PROPN
gujaf-69	21	20	2	2	NUM
gujaf-69	21	21	,	,	PUNCT
gujaf-69	21	22	issue	issue	NOUN
gujaf-69	21	23	2	2	NUM
gujaf-69	21	24	,	,	PUNCT
gujaf-69	21	25	april	april	PROPN
gujaf-69	21	26	,	,	PUNCT
gujaf-69	21	27	2021	2021	NUM
gujaf-69	21	28	3	3	NUM
gujaf-69	21	29	technology	technology	NOUN
gujaf-69	21	30	,	,	PUNCT
gujaf-69	21	31	is	be	AUX
gujaf-69	21	32	introduced	introduce	VERB
gujaf-69	21	33	it	it	PRON
gujaf-69	21	34	faces	face	VERB
gujaf-69	21	35	so	so	ADV
gujaf-69	21	36	many	many	ADJ
gujaf-69	21	37	challenges	challenge	NOUN
gujaf-69	21	38	.	.	PUNCT
gujaf-69	22	1	it	it	PRON
gujaf-69	22	2	takes	take	VERB
gujaf-69	22	3	time	time	NOUN
gujaf-69	22	4	for	for	SCONJ
gujaf-69	22	5	people	people	NOUN
gujaf-69	22	6	to	to	PART
gujaf-69	22	7	get	get	VERB
gujaf-69	22	8	familiar	familiar	ADJ
gujaf-69	22	9	with	with	ADP
gujaf-69	22	10	it	it	PRON
gujaf-69	22	11	.	.	PUNCT
gujaf-69	23	1	consequently	consequently	ADV
gujaf-69	23	2	,	,	PUNCT
gujaf-69	23	3	there	there	PRON
gujaf-69	23	4	should	should	AUX
gujaf-69	23	5	be	be	AUX
gujaf-69	23	6	so	so	ADV
gujaf-69	23	7	many	many	ADJ
gujaf-69	23	8	thing	thing	NOUN
gujaf-69	23	9	invented	invent	VERB
gujaf-69	23	10	and	and	CCONJ
gujaf-69	23	11	prepared	prepare	VERB
gujaf-69	23	12	as	as	ADP
gujaf-69	23	13	a	a	DET
gujaf-69	23	14	base	base	NOUN
gujaf-69	23	15	for	for	ADP
gujaf-69	23	16	expanding	expand	VERB
gujaf-69	23	17	it	it	PRON
gujaf-69	23	18	.	.	PUNCT
gujaf-69	24	1	thus	thus	ADV
gujaf-69	24	2	,	,	PUNCT
gujaf-69	24	3	most	most	ADJ
gujaf-69	24	4	of	of	ADP
gujaf-69	24	5	equipment	equipment	NOUN
gujaf-69	24	6	of	of	ADP
gujaf-69	24	7	e	e	NOUN
gujaf-69	24	8	-	-	NOUN
gujaf-69	24	9	transactions	transaction	NOUN
gujaf-69	24	10	are	be	AUX
gujaf-69	24	11	expensive	expensive	ADJ
gujaf-69	24	12	and	and	CCONJ
gujaf-69	24	13	not	not	PART
gujaf-69	24	14	easy	easy	ADJ
gujaf-69	24	15	and	and	CCONJ
gujaf-69	24	16	simple	simple	ADJ
gujaf-69	24	17	to	to	PART
gujaf-69	24	18	obtain	obtain	VERB
gujaf-69	24	19	and	and	CCONJ
gujaf-69	24	20	maintain	maintain	VERB
gujaf-69	24	21	.	.	PUNCT
gujaf-69	25	1	in	in	ADP
gujaf-69	25	2	addition	addition	NOUN
gujaf-69	25	3	to	to	ADP
gujaf-69	25	4	that	that	PRON
gujaf-69	25	5	,	,	PUNCT
gujaf-69	25	6	ayodele	ayodele	PROPN
gujaf-69	25	7	(	(	PUNCT
gujaf-69	25	8	2014	2014	NUM
gujaf-69	25	9	)	)	PUNCT
gujaf-69	25	10	,	,	PUNCT
gujaf-69	25	11	opine	opine	VERB
gujaf-69	25	12	that	that	SCONJ
gujaf-69	25	13	some	some	PRON
gujaf-69	25	14	of	of	ADP
gujaf-69	25	15	the	the	DET
gujaf-69	25	16	challenges	challenge	NOUN
gujaf-69	25	17	of	of	ADP
gujaf-69	25	18	e	e	NOUN
gujaf-69	25	19	-	-	NOUN
gujaf-69	25	20	payments	payment	NOUN
gujaf-69	25	21	system	system	NOUN
gujaf-69	25	22	are	be	AUX
gujaf-69	25	23	:	:	PUNCT
gujaf-69	25	24	constant	constant	ADJ
gujaf-69	25	25	power	power	NOUN
gujaf-69	25	26	failure	failure	NOUN
gujaf-69	25	27	,	,	PUNCT
gujaf-69	25	28	failure	failure	NOUN
gujaf-69	25	29	of	of	ADP
gujaf-69	25	30	links	link	NOUN
gujaf-69	25	31	from	from	ADP
gujaf-69	25	32	service	service	NOUN
gujaf-69	25	33	providers	provider	NOUN
gujaf-69	25	34	and	and	CCONJ
gujaf-69	25	35	electronic	electronic	ADJ
gujaf-69	25	36	transactions	transaction	NOUN
gujaf-69	25	37	at	at	ADP
gujaf-69	25	38	a	a	DET
gujaf-69	25	39	point	point	NOUN
gujaf-69	25	40	.	.	PUNCT
gujaf-69	26	1	according	accord	VERB
gujaf-69	26	2	to	to	ADP
gujaf-69	26	3	oladayo	oladayo	NOUN
gujaf-69	26	4	and	and	CCONJ
gujaf-69	26	5	adeniyi	adeniyi	ADV
gujaf-69	26	6	(	(	PUNCT
gujaf-69	26	7	2014	2014	NUM
gujaf-69	26	8	)	)	PUNCT
gujaf-69	26	9	,	,	PUNCT
gujaf-69	26	10	un	un	VERB
gujaf-69	26	11	-	-	ADJ
gujaf-69	26	12	reconciled	reconcile	VERB
gujaf-69	26	13	interbank	interbank	NOUN
gujaf-69	26	14	transactions	transaction	NOUN
gujaf-69	26	15	such	such	ADJ
gujaf-69	26	16	as	as	ADP
gujaf-69	26	17	cash	cash	NOUN
gujaf-69	26	18	dispense	dispense	NOUN
gujaf-69	26	19	error	error	NOUN
gujaf-69	26	20	,	,	PUNCT
gujaf-69	26	21	inability	inability	NOUN
gujaf-69	26	22	to	to	PART
gujaf-69	26	23	track	track	VERB
gujaf-69	26	24	down	down	ADP
gujaf-69	26	25	fraudsters	fraudster	NOUN
gujaf-69	26	26	at	at	ADP
gujaf-69	26	27	the	the	DET
gujaf-69	26	28	atm	atm	ADJ
gujaf-69	26	29	points	point	NOUN
gujaf-69	26	30	,	,	PUNCT
gujaf-69	26	31	computer	computer	NOUN
gujaf-69	26	32	hackers	hacker	NOUN
gujaf-69	26	33	are	be	AUX
gujaf-69	26	34	among	among	ADP
gujaf-69	26	35	the	the	DET
gujaf-69	26	36	challenges	challenge	NOUN
gujaf-69	26	37	that	that	PRON
gujaf-69	26	38	hinders	hinder	VERB
gujaf-69	26	39	the	the	DET
gujaf-69	26	40	effective	effective	ADJ
gujaf-69	26	41	use	use	NOUN
gujaf-69	26	42	of	of	ADP
gujaf-69	26	43	various	various	ADJ
gujaf-69	26	44	payment	payment	NOUN
gujaf-69	26	45	instruments	instrument	NOUN
gujaf-69	26	46	through	through	ADP
gujaf-69	26	47	e	e	NOUN
gujaf-69	26	48	-	-	NOUN
gujaf-69	26	49	banking	banking	NOUN
gujaf-69	26	50	.	.	PUNCT
gujaf-69	27	1	looking	look	VERB
gujaf-69	27	2	at	at	ADP
gujaf-69	27	3	the	the	DET
gujaf-69	27	4	objectives	objective	NOUN
gujaf-69	27	5	for	for	ADP
gujaf-69	27	6	introducing	introduce	VERB
gujaf-69	27	7	e	e	NOUN
gujaf-69	27	8	-	-	NOUN
gujaf-69	27	9	payment	payment	NOUN
gujaf-69	27	10	in	in	ADP
gujaf-69	27	11	the	the	DET
gujaf-69	27	12	public	public	ADJ
gujaf-69	27	13	sector	sector	NOUN
gujaf-69	27	14	in	in	ADP
gujaf-69	27	15	nigeria	nigeria	PROPN
gujaf-69	27	16	,	,	PUNCT
gujaf-69	27	17	one	one	PRON
gujaf-69	27	18	can	can	AUX
gujaf-69	27	19	say	say	VERB
gujaf-69	27	20	categorically	categorically	ADV
gujaf-69	27	21	that	that	SCONJ
gujaf-69	27	22	only	only	ADV
gujaf-69	27	23	few	few	ADJ
gujaf-69	27	24	of	of	ADP
gujaf-69	27	25	the	the	DET
gujaf-69	27	26	objectives	objective	NOUN
gujaf-69	27	27	have	have	AUX
gujaf-69	27	28	been	be	AUX
gujaf-69	27	29	achieve	achieve	VERB
gujaf-69	27	30	because	because	SCONJ
gujaf-69	27	31	of	of	ADP
gujaf-69	27	32	challenges	challenge	NOUN
gujaf-69	27	33	that	that	PRON
gujaf-69	27	34	the	the	DET
gujaf-69	27	35	system	system	NOUN
gujaf-69	27	36	faces	face	VERB
gujaf-69	27	37	.	.	PUNCT
gujaf-69	28	1	adamawa	adamawa	PROPN
gujaf-69	28	2	state	state	NOUN
gujaf-69	28	3	government	government	NOUN
gujaf-69	28	4	adopted	adopt	VERB
gujaf-69	28	5	the	the	DET
gujaf-69	28	6	e	e	NOUN
gujaf-69	28	7	-	-	NOUN
gujaf-69	28	8	payment	payment	NOUN
gujaf-69	28	9	system	system	NOUN
gujaf-69	28	10	its	its	PRON
gujaf-69	28	11	ministries	ministry	NOUN
gujaf-69	28	12	,	,	PUNCT
gujaf-69	28	13	and	and	CCONJ
gujaf-69	28	14	commercial	commercial	ADJ
gujaf-69	28	15	activities	activity	NOUN
gujaf-69	28	16	in	in	ADP
gujaf-69	28	17	other	other	ADJ
gujaf-69	28	18	to	to	PART
gujaf-69	28	19	ease	ease	VERB
gujaf-69	28	20	transactions	transaction	NOUN
gujaf-69	28	21	particularly	particularly	ADV
gujaf-69	28	22	in	in	ADP
gujaf-69	28	23	yola	yola	PROPN
gujaf-69	28	24	metropolis	metropolis	PROPN
gujaf-69	28	25	.	.	PUNCT
gujaf-69	29	1	however	however	ADV
gujaf-69	29	2	,	,	PUNCT
gujaf-69	29	3	regardless	regardless	ADV
gujaf-69	29	4	of	of	ADP
gujaf-69	29	5	the	the	DET
gujaf-69	29	6	challenges	challenge	NOUN
gujaf-69	29	7	attributed	attribute	VERB
gujaf-69	29	8	to	to	ADP
gujaf-69	29	9	the	the	DET
gujaf-69	29	10	epayment	epayment	NOUN
gujaf-69	29	11	system	system	NOUN
gujaf-69	29	12	,	,	PUNCT
gujaf-69	29	13	it	it	PRON
gujaf-69	29	14	is	be	AUX
gujaf-69	29	15	of	of	ADP
gujaf-69	29	16	paramount	paramount	ADJ
gujaf-69	29	17	importance	importance	NOUN
gujaf-69	29	18	.	.	PUNCT
gujaf-69	30	1	hence	hence	ADV
gujaf-69	30	2	,	,	PUNCT
gujaf-69	30	3	this	this	PRON
gujaf-69	30	4	calls	call	VERB
gujaf-69	30	5	the	the	DET
gujaf-69	30	6	attention	attention	NOUN
gujaf-69	30	7	of	of	ADP
gujaf-69	30	8	researchers	researcher	NOUN
gujaf-69	30	9	to	to	PART
gujaf-69	30	10	investigate	investigate	VERB
gujaf-69	30	11	its	its	PRON
gujaf-69	30	12	impact	impact	NOUN
gujaf-69	30	13	on	on	ADP
gujaf-69	30	14	different	different	ADJ
gujaf-69	30	15	sectors	sector	NOUN
gujaf-69	30	16	of	of	ADP
gujaf-69	30	17	economy	economy	NOUN
gujaf-69	30	18	.	.	PUNCT
gujaf-69	31	1	oginni	oginni	PROPN
gujaf-69	31	2	,	,	PUNCT
gujaf-69	31	3	el	el	PROPN
gujaf-69	31	4	-	-	PROPN
gujaf-69	31	5	maude	maude	PROPN
gujaf-69	31	6	,	,	PUNCT
gujaf-69	31	7	mohammed	mohammed	PROPN
gujaf-69	31	8	,	,	PUNCT
gujaf-69	31	9	and	and	CCONJ
gujaf-69	31	10	michael	michael	PROPN
gujaf-69	31	11	(	(	PUNCT
gujaf-69	31	12	2013	2013	NUM
gujaf-69	31	13	)	)	PUNCT
gujaf-69	31	14	.	.	PUNCT
gujaf-69	32	1	evaluate	evaluate	VERB
gujaf-69	32	2	electronic	electronic	ADJ
gujaf-69	32	3	payment	payment	NOUN
gujaf-69	32	4	system	system	NOUN
gujaf-69	32	5	and	and	CCONJ
gujaf-69	32	6	economic	economic	ADJ
gujaf-69	32	7	growth	growth	NOUN
gujaf-69	32	8	,	,	PUNCT
gujaf-69	32	9	and	and	CCONJ
gujaf-69	32	10	concluded	conclude	VERB
gujaf-69	32	11	that	that	SCONJ
gujaf-69	32	12	there	there	PRON
gujaf-69	32	13	is	be	VERB
gujaf-69	32	14	a	a	DET
gujaf-69	32	15	significant	significant	ADJ
gujaf-69	32	16	and	and	CCONJ
gujaf-69	32	17	positive	positive	ADJ
gujaf-69	32	18	relationship	relationship	NOUN
gujaf-69	32	19	between	between	ADP
gujaf-69	32	20	e	e	NOUN
gujaf-69	32	21	-	-	NOUN
gujaf-69	32	22	payment	payment	NOUN
gujaf-69	32	23	system	system	NOUN
gujaf-69	32	24	,	,	PUNCT
gujaf-69	32	25	atm	atm	ADJ
gujaf-69	32	26	and	and	CCONJ
gujaf-69	32	27	economic	economic	ADJ
gujaf-69	32	28	growth	growth	NOUN
gujaf-69	32	29	while	while	SCONJ
gujaf-69	32	30	other	other	ADJ
gujaf-69	32	31	e	e	NOUN
gujaf-69	32	32	-	-	ADJ
gujaf-69	32	33	payment	payment	ADJ
gujaf-69	32	34	channels	channel	NOUN
gujaf-69	32	35	contribute	contribute	VERB
gujaf-69	32	36	negatively	negatively	ADV
gujaf-69	32	37	.	.	PUNCT
gujaf-69	33	1	similarly	similarly	ADV
gujaf-69	33	2	joan	joan	PROPN
gujaf-69	33	3	(	(	PUNCT
gujaf-69	33	4	2018	2018	NUM
gujaf-69	33	5	)	)	PUNCT
gujaf-69	33	6	applied	apply	VERB
gujaf-69	33	7	a	a	DET
gujaf-69	33	8	descriptive	descriptive	ADJ
gujaf-69	33	9	type	type	NOUN
gujaf-69	33	10	of	of	ADP
gujaf-69	33	11	survey	survey	NOUN
gujaf-69	33	12	design	design	NOUN
gujaf-69	33	13	and	and	CCONJ
gujaf-69	33	14	concluded	conclude	VERB
gujaf-69	33	15	that	that	SCONJ
gujaf-69	33	16	mobile	mobile	ADJ
gujaf-69	33	17	banking	banking	NOUN
gujaf-69	33	18	adoption	adoption	NOUN
gujaf-69	33	19	positively	positively	ADV
gujaf-69	33	20	influences	influence	VERB
gujaf-69	33	21	smes	sme	NOUN
gujaf-69	33	22	growth	growth	NOUN
gujaf-69	33	23	in	in	ADP
gujaf-69	33	24	nairobi	nairobi	PROPN
gujaf-69	33	25	county	county	PROPN
gujaf-69	33	26	.	.	PUNCT
gujaf-69	34	1	most	most	ADJ
gujaf-69	34	2	of	of	ADP
gujaf-69	34	3	the	the	DET
gujaf-69	34	4	previous	previous	ADJ
gujaf-69	34	5	studies	study	NOUN
gujaf-69	34	6	focus	focus	VERB
gujaf-69	34	7	on	on	ADP
gujaf-69	34	8	the	the	DET
gujaf-69	34	9	effect	effect	NOUN
gujaf-69	34	10	,	,	PUNCT
gujaf-69	34	11	challenges	challenge	NOUN
gujaf-69	34	12	face	face	VERB
gujaf-69	34	13	in	in	ADP
gujaf-69	34	14	the	the	DET
gujaf-69	34	15	adoption	adoption	NOUN
gujaf-69	34	16	of	of	ADP
gujaf-69	34	17	e	e	NOUN
gujaf-69	34	18	-	-	NOUN
gujaf-69	34	19	payments	payment	NOUN
gujaf-69	34	20	as	as	ADV
gujaf-69	34	21	well	well	ADV
gujaf-69	34	22	as	as	ADP
gujaf-69	34	23	its	its	PRON
gujaf-69	34	24	impact	impact	NOUN
gujaf-69	34	25	on	on	ADP
gujaf-69	34	26	the	the	DET
gujaf-69	34	27	performance	performance	NOUN
gujaf-69	34	28	of	of	ADP
gujaf-69	34	29	banking	banking	NOUN
gujaf-69	34	30	sector	sector	NOUN
gujaf-69	34	31	and	and	CCONJ
gujaf-69	34	32	customer	customer	NOUN
gujaf-69	34	33	satisfaction	satisfaction	NOUN
gujaf-69	34	34	using	use	VERB
gujaf-69	34	35	primary	primary	ADJ
gujaf-69	34	36	and	and	CCONJ
gujaf-69	34	37	secondary	secondary	ADJ
gujaf-69	34	38	data	datum	NOUN
gujaf-69	34	39	.	.	PUNCT
gujaf-69	35	1	in	in	ADP
gujaf-69	35	2	addition	addition	NOUN
gujaf-69	35	3	to	to	ADP
gujaf-69	35	4	that	that	PRON
gujaf-69	35	5	,	,	PUNCT
gujaf-69	35	6	methodology	methodology	NOUN
gujaf-69	35	7	and	and	CCONJ
gujaf-69	35	8	technique	technique	NOUN
gujaf-69	35	9	of	of	ADP
gujaf-69	35	10	analysis	analysis	NOUN
gujaf-69	35	11	used	use	VERB
gujaf-69	35	12	by	by	ADP
gujaf-69	35	13	previous	previous	ADJ
gujaf-69	35	14	studies	study	NOUN
gujaf-69	35	15	are	be	AUX
gujaf-69	35	16	descriptive	descriptive	ADJ
gujaf-69	35	17	survey	survey	NOUN
gujaf-69	35	18	,	,	PUNCT
gujaf-69	35	19	chi	chi	NOUN
gujaf-69	35	20	-	-	PUNCT
gujaf-69	35	21	square	square	ADJ
gujaf-69	35	22	,	,	PUNCT
gujaf-69	35	23	friedman	friedman	PROPN
gujaf-69	35	24	and	and	CCONJ
gujaf-69	35	25	kendall	kendall	PROPN
gujaf-69	35	26	ranking	ranking	ADJ
gujaf-69	35	27	order	order	NOUN
gujaf-69	35	28	test	test	NOUN
gujaf-69	35	29	,	,	PUNCT
gujaf-69	35	30	and	and	CCONJ
gujaf-69	35	31	ordinary	ordinary	ADJ
gujaf-69	35	32	least	least	ADJ
gujaf-69	35	33	square	square	ADJ
gujaf-69	35	34	and	and	CCONJ
gujaf-69	35	35	tsls	tsls	NOUN
gujaf-69	35	36	methods	method	NOUN
gujaf-69	35	37	with	with	ADP
gujaf-69	35	38	mix	mix	NOUN
gujaf-69	35	39	findings	finding	NOUN
gujaf-69	35	40	.	.	PUNCT
gujaf-69	36	1	little	little	ADJ
gujaf-69	36	2	or	or	CCONJ
gujaf-69	36	3	no	no	PRON
gujaf-69	36	4	attention	attention	NOUN
gujaf-69	36	5	is	be	AUX
gujaf-69	36	6	given	give	VERB
gujaf-69	36	7	to	to	ADP
gujaf-69	36	8	the	the	DET
gujaf-69	36	9	effect	effect	NOUN
gujaf-69	36	10	of	of	ADP
gujaf-69	36	11	e	e	NOUN
gujaf-69	36	12	-	-	NOUN
gujaf-69	36	13	payments	payment	NOUN
gujaf-69	36	14	on	on	ADP
gujaf-69	36	15	performance	performance	NOUN
gujaf-69	36	16	of	of	ADP
gujaf-69	36	17	commercial	commercial	ADJ
gujaf-69	36	18	activities	activity	NOUN
gujaf-69	36	19	such	such	ADJ
gujaf-69	36	20	as	as	ADP
gujaf-69	36	21	shopping	shopping	NOUN
gujaf-69	36	22	mall	mall	NOUN
gujaf-69	36	23	and	and	CCONJ
gujaf-69	36	24	super	super	ADJ
gujaf-69	36	25	markets	market	NOUN
gujaf-69	36	26	particularly	particularly	ADV
gujaf-69	36	27	in	in	ADP
gujaf-69	36	28	yola	yola	PROPN
gujaf-69	36	29	metropolis	metropolis	PROPN
gujaf-69	36	30	.	.	PUNCT
gujaf-69	37	1	in	in	ADP
gujaf-69	37	2	addition	addition	NOUN
gujaf-69	37	3	to	to	ADP
gujaf-69	37	4	the	the	DET
gujaf-69	37	5	affirmation	affirmation	NOUN
gujaf-69	37	6	of	of	ADP
gujaf-69	37	7	gab	gab	NOUN
gujaf-69	37	8	to	to	PART
gujaf-69	37	9	be	be	AUX
gujaf-69	37	10	field	field	NOUN
gujaf-69	37	11	in	in	ADP
gujaf-69	37	12	this	this	DET
gujaf-69	37	13	study	study	NOUN
gujaf-69	37	14	,	,	PUNCT
gujaf-69	37	15	this	this	DET
gujaf-69	37	16	study	study	NOUN
gujaf-69	37	17	used	use	VERB
gujaf-69	37	18	primary	primary	ADJ
gujaf-69	37	19	data	datum	NOUN
gujaf-69	37	20	and	and	CCONJ
gujaf-69	37	21	structural	structural	ADJ
gujaf-69	37	22	equation	equation	NOUN
gujaf-69	37	23	modeling(sem	modeling(sem	NOUN
gujaf-69	37	24	)	)	PUNCT
gujaf-69	37	25	because	because	SCONJ
gujaf-69	37	26	it	it	PRON
gujaf-69	37	27	has	have	AUX
gujaf-69	37	28	been	be	AUX
gujaf-69	37	29	identified	identify	VERB
gujaf-69	37	30	to	to	PART
gujaf-69	37	31	be	be	AUX
gujaf-69	37	32	the	the	DET
gujaf-69	37	33	best	good	ADJ
gujaf-69	37	34	model	model	NOUN
gujaf-69	37	35	for	for	ADP
gujaf-69	37	36	the	the	DET
gujaf-69	37	37	analysis	analysis	NOUN
gujaf-69	37	38	of	of	ADP
gujaf-69	37	39	this	this	DET
gujaf-69	37	40	study	study	NOUN
gujaf-69	37	41	under	under	ADP
gujaf-69	37	42	investigation	investigation	NOUN
gujaf-69	37	43	.	.	PUNCT
gujaf-69	38	1	this	this	PRON
gujaf-69	38	2	is	be	AUX
gujaf-69	38	3	because	because	SCONJ
gujaf-69	38	4	,	,	PUNCT
gujaf-69	38	5	the	the	DET
gujaf-69	38	6	variables	variable	NOUN
gujaf-69	38	7	used	use	VERB
gujaf-69	38	8	in	in	ADP
gujaf-69	38	9	the	the	DET
gujaf-69	38	10	study	study	NOUN
gujaf-69	38	11	does	do	AUX
gujaf-69	38	12	not	not	PART
gujaf-69	38	13	violate	violate	VERB
gujaf-69	38	14	the	the	DET
gujaf-69	38	15	conditions	condition	NOUN
gujaf-69	38	16	and	and	CCONJ
gujaf-69	38	17	assumptions	assumption	NOUN
gujaf-69	38	18	of	of	ADP
gujaf-69	38	19	the	the	DET
gujaf-69	38	20	model	model	NOUN
gujaf-69	38	21	(	(	PUNCT
gujaf-69	38	22	structural	structural	ADJ
gujaf-69	38	23	equation	equation	NOUN
gujaf-69	38	24	model).hence	model).hence	NOUN
gujaf-69	38	25	,	,	PUNCT
gujaf-69	38	26	this	this	DET
gujaf-69	38	27	paper	paper	NOUN
gujaf-69	38	28	is	be	AUX
gujaf-69	38	29	poised	poise	VERB
gujaf-69	38	30	to	to	PART
gujaf-69	38	31	assess	assess	VERB
gujaf-69	38	32	the	the	DET
gujaf-69	38	33	effect	effect	NOUN
gujaf-69	38	34	of	of	ADP
gujaf-69	38	35	e	e	NOUN
gujaf-69	38	36	-	-	NOUN
gujaf-69	38	37	payments	payment	NOUN
gujaf-69	38	38	on	on	ADP
gujaf-69	38	39	performance	performance	NOUN
gujaf-69	38	40	of	of	ADP
gujaf-69	38	41	commercial	commercial	ADJ
gujaf-69	38	42	activities	activity	NOUN
gujaf-69	38	43	in	in	ADP
gujaf-69	38	44	yola	yola	PROPN
gujaf-69	38	45	metropolis	metropolis	PROPN
gujaf-69	38	46	of	of	ADP
gujaf-69	38	47	adamawa	adamawa	PROPN
gujaf-69	38	48	state	state	NOUN
gujaf-69	38	49	.	.	PUNCT
gujaf-69	39	1	specifically	specifically	ADV
gujaf-69	39	2	to	to	PART
gujaf-69	39	3	examine	examine	VERB
gujaf-69	39	4	the	the	DET
gujaf-69	39	5	effect	effect	NOUN
gujaf-69	39	6	of	of	ADP
gujaf-69	39	7	e	e	NOUN
gujaf-69	39	8	-	-	NOUN
gujaf-69	39	9	payment	payment	NOUN
gujaf-69	39	10	product	product	NOUN
gujaf-69	39	11	such	such	ADJ
gujaf-69	39	12	as	as	ADP
gujaf-69	39	13	pos	pos	NOUN
gujaf-69	39	14	,	,	PUNCT
gujaf-69	39	15	mobile	mobile	ADJ
gujaf-69	39	16	banking	banking	NOUN
gujaf-69	39	17	and	and	CCONJ
gujaf-69	39	18	challenges	challenge	NOUN
gujaf-69	39	19	of	of	ADP
gujaf-69	39	20	e	e	NOUN
gujaf-69	39	21	-	-	NOUN
gujaf-69	39	22	payment	payment	NOUN
gujaf-69	39	23	products	product	NOUN
gujaf-69	39	24	on	on	ADP
gujaf-69	39	25	some	some	DET
gujaf-69	39	26	selected	select	VERB
gujaf-69	39	27	commercial	commercial	ADJ
gujaf-69	39	28	activities	activity	NOUN
gujaf-69	39	29	in	in	ADP
gujaf-69	39	30	yola	yola	PROPN
gujaf-69	39	31	metropolis	metropolis	PROPN
gujaf-69	39	32	.	.	PUNCT
gujaf-69	40	1	2	2	X
gujaf-69	40	2	.	.	X
gujaf-69	40	3	literature	literature	NOUN
gujaf-69	40	4	review	review	VERB
gujaf-69	40	5	electronic	electronic	ADJ
gujaf-69	40	6	payments	payment	NOUN
gujaf-69	40	7	refers	refer	VERB
gujaf-69	40	8	to	to	ADP
gujaf-69	40	9	the	the	DET
gujaf-69	40	10	trading	trading	NOUN
gujaf-69	40	11	of	of	ADP
gujaf-69	40	12	goods	good	NOUN
gujaf-69	40	13	and	and	CCONJ
gujaf-69	40	14	services	service	NOUN
gujaf-69	40	15	through	through	ADP
gujaf-69	40	16	electronic	electronic	ADJ
gujaf-69	40	17	payment	payment	NOUN
gujaf-69	40	18	system	system	NOUN
gujaf-69	40	19	,	,	PUNCT
gujaf-69	40	20	for	for	ADP
gujaf-69	40	21	example	example	NOUN
gujaf-69	40	22	,	,	PUNCT
gujaf-69	40	23	pc	pc	NOUN
gujaf-69	40	24	network	network	NOUN
gujaf-69	40	25	,	,	PUNCT
gujaf-69	40	26	online	online	ADJ
gujaf-69	40	27	and	and	CCONJ
gujaf-69	40	28	digital	digital	ADJ
gujaf-69	40	29	systems	system	NOUN
gujaf-69	40	30	to	to	PART
gujaf-69	40	31	transfer	transfer	VERB
gujaf-69	40	32	money	money	NOUN
gujaf-69	40	33	electronically	electronically	ADV
gujaf-69	40	34	or	or	CCONJ
gujaf-69	40	35	digitally	digitally	ADV
gujaf-69	40	36	between	between	ADP
gujaf-69	40	37	two	two	NUM
gujaf-69	40	38	parties	party	NOUN
gujaf-69	40	39	(	(	PUNCT
gujaf-69	40	40	wyllie	wyllie	PROPN
gujaf-69	40	41	et	et	PROPN
gujaf-69	40	42	al	al	PROPN
gujaf-69	40	43	,	,	PUNCT
gujaf-69	40	44	2010:5	2010:5	NUM
gujaf-69	40	45	)	)	PUNCT
gujaf-69	40	46	.	.	PUNCT
gujaf-69	41	1	as	as	SCONJ
gujaf-69	41	2	indicated	indicate	VERB
gujaf-69	41	3	by	by	ADP
gujaf-69	41	4	cbn(2010	cbn(2010	PROPN
gujaf-69	41	5	)	)	PUNCT
gujaf-69	41	6	,	,	PUNCT
gujaf-69	41	7	the	the	DET
gujaf-69	41	8	general	general	ADJ
gujaf-69	41	9	goal	goal	NOUN
gujaf-69	41	10	of	of	ADP
gujaf-69	41	11	the	the	DET
gujaf-69	41	12	electronic	electronic	ADJ
gujaf-69	41	13	-	-	PUNCT
gujaf-69	41	14	payment	payment	NOUN
gujaf-69	41	15	framework	framework	NOUN
gujaf-69	41	16	project	project	NOUN
gujaf-69	41	17	was	be	AUX
gujaf-69	41	18	to	to	PART
gujaf-69	41	19	further	far	ADV
gujaf-69	41	20	develop	develop	VERB
gujaf-69	41	21	the	the	DET
gujaf-69	41	22	nigerian	nigerian	ADJ
gujaf-69	41	23	financial	financial	ADJ
gujaf-69	41	24	and	and	CCONJ
gujaf-69	41	25	electronic	electronic	ADJ
gujaf-69	41	26	payment	payment	NOUN
gujaf-69	41	27	in	in	ADP
gujaf-69	41	28	accordance	accordance	NOUN
gujaf-69	41	29	with	with	ADP
gujaf-69	41	30	the	the	DET
gujaf-69	41	31	widespread	widespread	ADJ
gujaf-69	41	32	prescribed	prescribed	ADJ
gujaf-69	41	33	procedures	procedure	NOUN
gujaf-69	41	34	and	and	CCONJ
gujaf-69	41	35	to	to	PART
gujaf-69	41	36	guarantee	guarantee	VERB
gujaf-69	41	37	public	public	ADJ
gujaf-69	41	38	usage	usage	NOUN
gujaf-69	41	39	and	and	CCONJ
gujaf-69	41	40	global	global	ADJ
gujaf-69	41	41	acknowledgment	acknowledgment	NOUN
gujaf-69	41	42	appropriate	appropriate	ADJ
gujaf-69	41	43	in	in	ADP
gujaf-69	41	44	nigeria	nigeria	PROPN
gujaf-69	41	45	.	.	PUNCT
gujaf-69	42	1	at	at	ADP
gujaf-69	42	2	the	the	DET
gujaf-69	42	3	beginning	begin	VERB
gujaf-69	42	4	phase	phase	NOUN
gujaf-69	42	5	of	of	ADP
gujaf-69	42	6	execution	execution	NOUN
gujaf-69	42	7	,	,	PUNCT
gujaf-69	42	8	the	the	DET
gujaf-69	42	9	approach	approach	NOUN
gujaf-69	42	10	's	's	PART
gujaf-69	42	11	emphasis	emphasis	NOUN
gujaf-69	42	12	was	be	AUX
gujaf-69	42	13	on	on	ADP
gujaf-69	42	14	the	the	DET
gujaf-69	42	15	tasks	task	NOUN
gujaf-69	42	16	of	of	ADP
gujaf-69	42	17	the	the	DET
gujaf-69	42	18	business	business	NOUN
gujaf-69	42	19	,	,	PUNCT
gujaf-69	42	20	banks	bank	NOUN
gujaf-69	42	21	and	and	CCONJ
gujaf-69	42	22	other	other	ADJ
gujaf-69	42	23	monetary	monetary	ADJ
gujaf-69	42	24	value	value	NOUN
gujaf-69	42	25	comparable	comparable	ADJ
gujaf-69	42	26	to	to	ADP
gujaf-69	42	27	payments	payment	NOUN
gujaf-69	42	28	of	of	ADP
gujaf-69	42	29	national	national	ADJ
gujaf-69	42	30	government	government	NOUN
gujaf-69	42	31	services	service	NOUN
gujaf-69	42	32	,	,	PUNCT
gujaf-69	42	33	organizations	organization	NOUN
gujaf-69	42	34	and	and	CCONJ
gujaf-69	42	35	divisions	division	NOUN
gujaf-69	42	36	(	(	PUNCT
gujaf-69	42	37	mdas	mda	NOUN
gujaf-69	42	38	)	)	PUNCT
gujaf-69	42	39	.	.	PUNCT
gujaf-69	43	1	at	at	ADP
gujaf-69	43	2	that	that	DET
gujaf-69	43	3	stage	stage	NOUN
gujaf-69	43	4	,	,	PUNCT
gujaf-69	43	5	the	the	DET
gujaf-69	43	6	aim	aim	NOUN
gujaf-69	43	7	was	be	AUX
gujaf-69	43	8	to	to	PART
gujaf-69	43	9	dispose	dispose	VERB
gujaf-69	43	10	of	of	ADP
gujaf-69	43	11	the	the	DET
gujaf-69	43	12	postponements	postponement	NOUN
gujaf-69	43	13	in	in	ADP
gujaf-69	43	14	paying	pay	VERB
gujaf-69	43	15	for	for	ADP
gujaf-69	43	16	government	government	NOUN
gujaf-69	43	17	contracts	contract	NOUN
gujaf-69	43	18	brought	bring	VERB
gujaf-69	43	19	about	about	ADP
gujaf-69	43	20	by	by	ADP
gujaf-69	43	21	installments	installment	NOUN
gujaf-69	43	22	through	through	ADP
gujaf-69	43	23	chaque	chaque	NOUN
gujaf-69	43	24	and	and	CCONJ
gujaf-69	43	25	money	money	NOUN
gujaf-69	43	26	which	which	PRON
gujaf-69	43	27	were	be	AUX
gujaf-69	43	28	gusau	gusau	ADJ
gujaf-69	43	29	journal	journal	NOUN
gujaf-69	43	30	of	of	ADP
gujaf-69	43	31	accounting	accounting	NOUN
gujaf-69	43	32	and	and	CCONJ
gujaf-69	43	33	finance	finance	NOUN
gujaf-69	43	34	,	,	PUNCT
gujaf-69	43	35	vol	vol	NOUN
gujaf-69	43	36	.	.	PROPN
gujaf-69	43	37	2	2	NUM
gujaf-69	43	38	,	,	PUNCT
gujaf-69	43	39	issue	issue	NOUN
gujaf-69	43	40	2	2	NUM
gujaf-69	43	41	,	,	PUNCT
gujaf-69	43	42	april	april	PROPN
gujaf-69	43	43	,	,	PUNCT
gujaf-69	43	44	2021	2021	NUM
gujaf-69	43	45	4	4	NUM
gujaf-69	43	46	causing	cause	VERB
gujaf-69	43	47	alienation	alienation	NOUN
gujaf-69	43	48	among	among	ADP
gujaf-69	43	49	project	project	NOUN
gujaf-69	43	50	workers	worker	NOUN
gujaf-69	43	51	and	and	CCONJ
gujaf-69	43	52	government	government	NOUN
gujaf-69	43	53	organizations	organization	NOUN
gujaf-69	43	54	(	(	PUNCT
gujaf-69	43	55	igudia	igudia	PROPN
gujaf-69	43	56	,	,	PUNCT
gujaf-69	43	57	2016	2016	NUM
gujaf-69	43	58	)	)	PUNCT
gujaf-69	43	59	.	.	PUNCT
gujaf-69	44	1	according	accord	VERB
gujaf-69	44	2	to	to	ADP
gujaf-69	44	3	kulkarni	kulkarni	PROPN
gujaf-69	44	4	(	(	PUNCT
gujaf-69	44	5	2004	2004	NUM
gujaf-69	44	6	)	)	PUNCT
gujaf-69	44	7	e	e	X
gujaf-69	44	8	-	-	ADJ
gujaf-69	44	9	payment	payment	NOUN
gujaf-69	44	10	system	system	NOUN
gujaf-69	44	11	deals	deal	NOUN
gujaf-69	44	12	with	with	ADP
gujaf-69	44	13	electronic	electronic	ADJ
gujaf-69	44	14	machines	machine	NOUN
gujaf-69	44	15	which	which	PRON
gujaf-69	44	16	make	make	VERB
gujaf-69	44	17	the	the	DET
gujaf-69	44	18	exchange	exchange	NOUN
gujaf-69	44	19	or	or	CCONJ
gujaf-69	44	20	transaction	transaction	NOUN
gujaf-69	44	21	possible	possible	ADJ
gujaf-69	44	22	.	.	PUNCT
gujaf-69	45	1	in	in	ADP
gujaf-69	45	2	other	other	ADJ
gujaf-69	45	3	,	,	PUNCT
gujaf-69	45	4	word	word	NOUN
gujaf-69	45	5	that	that	SCONJ
gujaf-69	45	6	it	it	PRON
gujaf-69	45	7	is	be	AUX
gujaf-69	45	8	a	a	DET
gujaf-69	45	9	payment	payment	NOUN
gujaf-69	45	10	or	or	CCONJ
gujaf-69	45	11	monetary	monetary	ADJ
gujaf-69	45	12	transactions	transaction	NOUN
gujaf-69	45	13	made	make	VERB
gujaf-69	45	14	over	over	ADP
gujaf-69	45	15	network	network	NOUN
gujaf-69	45	16	of	of	ADP
gujaf-69	45	17	computers	computer	NOUN
gujaf-69	45	18	.	.	PUNCT
gujaf-69	46	1	moreover	moreover	ADV
gujaf-69	46	2	,	,	PUNCT
gujaf-69	46	3	some	some	PRON
gujaf-69	46	4	of	of	ADP
gujaf-69	46	5	the	the	DET
gujaf-69	46	6	e	e	NOUN
gujaf-69	46	7	-	-	NOUN
gujaf-69	46	8	payments	payment	NOUN
gujaf-69	46	9	product	product	NOUN
gujaf-69	46	10	outline	outline	NOUN
gujaf-69	46	11	by	by	ADP
gujaf-69	46	12	(	(	PUNCT
gujaf-69	46	13	ojokuku	ojokuku	NOUN
gujaf-69	46	14	and	and	CCONJ
gujaf-69	46	15	sajuyigbe	sajuyigbe	NOUN
gujaf-69	46	16	;	;	PUNCT
gujaf-69	46	17	2012,olanipekun	2012,olanipekun	NUM
gujaf-69	46	18	et	et	NOUN
gujaf-69	46	19	al	al	PROPN
gujaf-69	46	20	,	,	PUNCT
gujaf-69	46	21	2013	2013	NUM
gujaf-69	46	22	)	)	PUNCT
gujaf-69	46	23	are	be	AUX
gujaf-69	46	24	automated	automate	VERB
gujaf-69	46	25	teller	teller	NOUN
gujaf-69	46	26	machine	machine	NOUN
gujaf-69	46	27	,	,	PUNCT
gujaf-69	46	28	point	point	NOUN
gujaf-69	46	29	of	of	ADP
gujaf-69	46	30	sale	sale	NOUN
gujaf-69	46	31	terminals	terminal	NOUN
gujaf-69	46	32	,	,	PUNCT
gujaf-69	46	33	mobile	mobile	ADJ
gujaf-69	46	34	banking	banking	NOUN
gujaf-69	46	35	,	,	PUNCT
gujaf-69	46	36	card	card	NOUN
gujaf-69	46	37	system	system	NOUN
gujaf-69	46	38	,	,	PUNCT
gujaf-69	46	39	service	service	NOUN
gujaf-69	46	40	quality	quality	NOUN
gujaf-69	46	41	,	,	PUNCT
gujaf-69	46	42	which	which	PRON
gujaf-69	46	43	are	be	AUX
gujaf-69	46	44	widely	widely	ADV
gujaf-69	46	45	used	use	VERB
gujaf-69	46	46	in	in	ADP
gujaf-69	46	47	nigeria	nigeria	PROPN
gujaf-69	46	48	.	.	PUNCT
gujaf-69	47	1	technology	technology	NOUN
gujaf-69	47	2	acceptance	acceptance	NOUN
gujaf-69	47	3	model	model	NOUN
gujaf-69	47	4	theory	theory	NOUN
gujaf-69	47	5	was	be	AUX
gujaf-69	47	6	created	create	VERB
gujaf-69	47	7	in	in	ADP
gujaf-69	47	8	1989	1989	NUM
gujaf-69	47	9	by	by	ADP
gujaf-69	47	10	fred	fred	PROPN
gujaf-69	47	11	davis	davis	PROPN
gujaf-69	47	12	.	.	PUNCT
gujaf-69	48	1	the	the	DET
gujaf-69	48	2	model	model	NOUN
gujaf-69	48	3	was	be	AUX
gujaf-69	48	4	initially	initially	ADV
gujaf-69	48	5	intended	intend	VERB
gujaf-69	48	6	to	to	PART
gujaf-69	48	7	anticipate	anticipate	VERB
gujaf-69	48	8	client	client	NOUN
gujaf-69	48	9	's	's	PART
gujaf-69	48	10	acknowledgment	acknowledgment	NOUN
gujaf-69	48	11	and	and	CCONJ
gujaf-69	48	12	impression	impression	NOUN
gujaf-69	48	13	of	of	ADP
gujaf-69	48	14	information	information	NOUN
gujaf-69	48	15	technology	technology	NOUN
gujaf-69	48	16	and	and	CCONJ
gujaf-69	48	17	use	use	NOUN
gujaf-69	48	18	in	in	ADP
gujaf-69	48	19	a	a	DET
gujaf-69	48	20	hierarchical	hierarchical	ADJ
gujaf-69	48	21	setting	setting	NOUN
gujaf-69	48	22	.	.	PUNCT
gujaf-69	49	1	the	the	DET
gujaf-69	49	2	models	model	NOUN
gujaf-69	49	3	believe	believe	VERB
gujaf-69	49	4	that	that	SCONJ
gujaf-69	49	5	client	client	NOUN
gujaf-69	49	6	acknowledgment	acknowledgment	NOUN
gujaf-69	49	7	is	be	AUX
gujaf-69	49	8	dictated	dictate	VERB
gujaf-69	49	9	by	by	ADP
gujaf-69	49	10	two	two	NUM
gujaf-69	49	11	key	key	ADJ
gujaf-69	49	12	variables	variable	NOUN
gujaf-69	49	13	or	or	CCONJ
gujaf-69	49	14	convictions	conviction	NOUN
gujaf-69	49	15	,	,	PUNCT
gujaf-69	49	16	to	to	PART
gujaf-69	49	17	be	be	AUX
gujaf-69	49	18	specific	specific	ADJ
gujaf-69	49	19	handiness	handiness	NOUN
gujaf-69	49	20	of	of	ADP
gujaf-69	49	21	the	the	DET
gujaf-69	49	22	innovation	innovation	NOUN
gujaf-69	49	23	and	and	CCONJ
gujaf-69	49	24	simplicity	simplicity	NOUN
gujaf-69	49	25	of	of	ADP
gujaf-69	49	26	utilizing	utilize	VERB
gujaf-69	49	27	it	it	PRON
gujaf-69	49	28	.	.	PUNCT
gujaf-69	50	1	seen	see	VERB
gujaf-69	50	2	helpfulness	helpfulness	NOUN
gujaf-69	50	3	of	of	ADP
gujaf-69	50	4	the	the	DET
gujaf-69	50	5	innovation	innovation	NOUN
gujaf-69	50	6	is	be	AUX
gujaf-69	50	7	characterized	characterize	VERB
gujaf-69	50	8	as	as	ADP
gujaf-69	50	9	the	the	DET
gujaf-69	50	10	degree	degree	NOUN
gujaf-69	50	11	to	to	PART
gujaf-69	50	12	which	which	PRON
gujaf-69	50	13	an	an	DET
gujaf-69	50	14	individual	individual	NOUN
gujaf-69	50	15	accepts	accept	VERB
gujaf-69	50	16	that	that	SCONJ
gujaf-69	50	17	utilizing	utilize	VERB
gujaf-69	50	18	a	a	DET
gujaf-69	50	19	specific	specific	ADJ
gujaf-69	50	20	innovation	innovation	NOUN
gujaf-69	50	21	will	will	AUX
gujaf-69	50	22	work	work	VERB
gujaf-69	50	23	on	on	ADP
gujaf-69	50	24	her	she	PRON
gujaf-69	50	25	/	/	SYM
gujaf-69	50	26	his	his	PRON
gujaf-69	50	27	work	work	NOUN
gujaf-69	50	28	execution	execution	NOUN
gujaf-69	50	29	,	,	PUNCT
gujaf-69	50	30	while	while	SCONJ
gujaf-69	50	31	simplicity	simplicity	NOUN
gujaf-69	50	32	of	of	ADP
gujaf-69	50	33	utilizing	utilize	VERB
gujaf-69	50	34	innovation	innovation	NOUN
gujaf-69	50	35	manages	manage	VERB
gujaf-69	50	36	how	how	SCONJ
gujaf-69	50	37	much	much	ADJ
gujaf-69	50	38	an	an	DET
gujaf-69	50	39	individual	individual	NOUN
gujaf-69	50	40	accepts	accept	VERB
gujaf-69	50	41	that	that	SCONJ
gujaf-69	50	42	utilizing	utilize	VERB
gujaf-69	50	43	an	an	DET
gujaf-69	50	44	innovation	innovation	NOUN
gujaf-69	50	45	will	will	AUX
gujaf-69	50	46	facilitate	facilitate	VERB
gujaf-69	50	47	his	his	PRON
gujaf-69	50	48	work	work	NOUN
gujaf-69	50	49	of	of	ADP
gujaf-69	50	50	taking	take	VERB
gujaf-69	50	51	care	care	NOUN
gujaf-69	50	52	of	of	ADP
gujaf-69	50	53	his	his	PRON
gujaf-69	50	54	work	work	NOUN
gujaf-69	50	55	(	(	PUNCT
gujaf-69	50	56	davis	davis	PROPN
gujaf-69	50	57	,	,	PUNCT
gujaf-69	50	58	1989	1989	NUM
gujaf-69	50	59	)	)	PUNCT
gujaf-69	50	60	.	.	PUNCT
gujaf-69	51	1	the	the	DET
gujaf-69	51	2	hypothesis	hypothesis	NOUN
gujaf-69	51	3	contends	contend	VERB
gujaf-69	51	4	that	that	SCONJ
gujaf-69	51	5	the	the	DET
gujaf-69	51	6	customers	customer	NOUN
gujaf-69	51	7	'	'	PART
gujaf-69	51	8	demeanor	demeanor	NOUN
gujaf-69	51	9	towards	towards	ADP
gujaf-69	51	10	utilizing	utilize	VERB
gujaf-69	51	11	new	new	ADJ
gujaf-69	51	12	innovation	innovation	NOUN
gujaf-69	51	13	is	be	AUX
gujaf-69	51	14	affected	affect	VERB
gujaf-69	51	15	by	by	ADP
gujaf-69	51	16	apparent	apparent	ADJ
gujaf-69	51	17	helpfulness	helpfulness	NOUN
gujaf-69	51	18	and	and	CCONJ
gujaf-69	51	19	saw	see	VERB
gujaf-69	51	20	convenience	convenience	NOUN
gujaf-69	51	21	.	.	PUNCT
gujaf-69	52	1	the	the	DET
gujaf-69	52	2	hypothesis	hypothesis	NOUN
gujaf-69	52	3	utilizes	utilize	VERB
gujaf-69	52	4	psychometric	psychometric	ADJ
gujaf-69	52	5	scales	scale	NOUN
gujaf-69	52	6	to	to	PART
gujaf-69	52	7	quantify	quantify	VERB
gujaf-69	52	8	helpfulness	helpfulness	ADJ
gujaf-69	52	9	and	and	CCONJ
gujaf-69	52	10	usability	usability	NOUN
gujaf-69	52	11	.	.	PUNCT
gujaf-69	53	1	helpfulness	helpfulness	NOUN
gujaf-69	53	2	is	be	AUX
gujaf-69	53	3	estimated	estimate	VERB
gujaf-69	53	4	on	on	ADP
gujaf-69	53	5	sizes	size	NOUN
gujaf-69	53	6	of	of	ADP
gujaf-69	53	7	whether	whether	SCONJ
gujaf-69	53	8	work	work	NOUN
gujaf-69	53	9	is	be	AUX
gujaf-69	53	10	accomplished	accomplish	VERB
gujaf-69	53	11	all	all	DET
gujaf-69	53	12	the	the	PRON
gujaf-69	53	13	more	more	ADV
gujaf-69	53	14	rapidly	rapidly	ADV
gujaf-69	53	15	,	,	PUNCT
gujaf-69	53	16	work	work	NOUN
gujaf-69	53	17	execution	execution	NOUN
gujaf-69	53	18	,	,	PUNCT
gujaf-69	53	19	expanded	expand	VERB
gujaf-69	53	20	efficiency	efficiency	NOUN
gujaf-69	53	21	,	,	PUNCT
gujaf-69	53	22	adequacy	adequacy	NOUN
gujaf-69	53	23	and	and	CCONJ
gujaf-69	53	24	handiness	handiness	NOUN
gujaf-69	53	25	.	.	PUNCT
gujaf-69	54	1	usability	usability	NOUN
gujaf-69	54	2	scales	scale	NOUN
gujaf-69	54	3	included	include	VERB
gujaf-69	54	4	whether	whether	SCONJ
gujaf-69	54	5	the	the	DET
gujaf-69	54	6	innovation	innovation	NOUN
gujaf-69	54	7	is	be	AUX
gujaf-69	54	8	not	not	PART
gujaf-69	54	9	difficult	difficult	ADJ
gujaf-69	54	10	to	to	PART
gujaf-69	54	11	learn	learn	VERB
gujaf-69	54	12	,	,	PUNCT
gujaf-69	54	13	clear	clear	ADJ
gujaf-69	54	14	and	and	CCONJ
gujaf-69	54	15	justifiable	justifiable	ADJ
gujaf-69	54	16	,	,	PUNCT
gujaf-69	54	17	simple	simple	ADJ
gujaf-69	54	18	to	to	PART
gujaf-69	54	19	become	become	VERB
gujaf-69	54	20	handy	handy	ADJ
gujaf-69	54	21	simple	simple	ADJ
gujaf-69	54	22	to	to	PART
gujaf-69	54	23	utilize	utilize	VERB
gujaf-69	54	24	,	,	PUNCT
gujaf-69	54	25	controllable	controllable	ADJ
gujaf-69	54	26	and	and	CCONJ
gujaf-69	54	27	simple	simple	ADJ
gujaf-69	54	28	to	to	PART
gujaf-69	54	29	recollect	recollect	VERB
gujaf-69	54	30	.	.	PUNCT
gujaf-69	55	1	thusly	thusly	ADV
gujaf-69	55	2	,	,	PUNCT
gujaf-69	55	3	innovation	innovation	NOUN
gujaf-69	55	4	acknowledgment	acknowledgment	NOUN
gujaf-69	55	5	hypothesis	hypothesis	NOUN
gujaf-69	55	6	is	be	AUX
gujaf-69	55	7	the	the	DET
gujaf-69	55	8	best	good	ADJ
gujaf-69	55	9	hypothesis	hypothesis	NOUN
gujaf-69	55	10	to	to	PART
gujaf-69	55	11	support	support	VERB
gujaf-69	55	12	this	this	DET
gujaf-69	55	13	paper	paper	NOUN
gujaf-69	55	14	given	give	VERB
gujaf-69	55	15	the	the	DET
gujaf-69	55	16	idea	idea	NOUN
gujaf-69	55	17	of	of	ADP
gujaf-69	55	18	the	the	DET
gujaf-69	55	19	point	point	NOUN
gujaf-69	55	20	this	this	DET
gujaf-69	55	21	theory	theory	NOUN
gujaf-69	55	22	was	be	AUX
gujaf-69	55	23	adopted	adopt	VERB
gujaf-69	55	24	by	by	ADP
gujaf-69	55	25	numerous	numerous	ADJ
gujaf-69	55	26	researchers	researcher	NOUN
gujaf-69	55	27	which	which	PRON
gujaf-69	55	28	identify	identify	VERB
gujaf-69	55	29	with	with	ADP
gujaf-69	55	30	appropriation	appropriation	NOUN
gujaf-69	55	31	of	of	ADP
gujaf-69	55	32	new	new	ADJ
gujaf-69	55	33	innovation	innovation	NOUN
gujaf-69	55	34	.	.	PUNCT
gujaf-69	56	1	as	as	SCONJ
gujaf-69	56	2	indicated	indicate	VERB
gujaf-69	56	3	by	by	ADP
gujaf-69	56	4	this	this	DET
gujaf-69	56	5	theory	theory	NOUN
gujaf-69	56	6	,	,	PUNCT
gujaf-69	56	7	a	a	DET
gujaf-69	56	8	person	person	NOUN
gujaf-69	56	9	's	's	PART
gujaf-69	56	10	goal	goal	NOUN
gujaf-69	56	11	in	in	ADP
gujaf-69	56	12	society	society	NOUN
gujaf-69	56	13	is	be	AUX
gujaf-69	56	14	influenced	influence	VERB
gujaf-69	56	15	by	by	ADP
gujaf-69	56	16	his	his	PRON
gujaf-69	56	17	attitude	attitude	NOUN
gujaf-69	56	18	toward	toward	ADP
gujaf-69	56	19	the	the	DET
gujaf-69	56	20	behavior	behavior	NOUN
gujaf-69	56	21	and	and	CCONJ
gujaf-69	56	22	subjective	subjective	ADJ
gujaf-69	56	23	norms	norm	NOUN
gujaf-69	56	24	of	of	ADP
gujaf-69	56	25	the	the	DET
gujaf-69	56	26	public	public	NOUN
gujaf-69	56	27	.	.	PUNCT
gujaf-69	57	1	in	in	ADP
gujaf-69	57	2	this	this	DET
gujaf-69	57	3	way	way	NOUN
gujaf-69	57	4	,	,	PUNCT
gujaf-69	57	5	an	an	DET
gujaf-69	57	6	individual	individual	NOUN
gujaf-69	57	7	's	's	PART
gujaf-69	57	8	conduct	conduct	NOUN
gujaf-69	57	9	is	be	AUX
gujaf-69	57	10	controlled	control	VERB
gujaf-69	57	11	by	by	ADP
gujaf-69	57	12	his	his	PRON
gujaf-69	57	13	goal	goal	NOUN
gujaf-69	57	14	to	to	PART
gujaf-69	57	15	play	play	VERB
gujaf-69	57	16	out	out	ADP
gujaf-69	57	17	the	the	DET
gujaf-69	57	18	conduct	conduct	NOUN
gujaf-69	57	19	.	.	PUNCT
gujaf-69	58	1	the	the	DET
gujaf-69	58	2	disposition	disposition	NOUN
gujaf-69	58	3	toward	toward	ADP
gujaf-69	58	4	playing	play	VERB
gujaf-69	58	5	out	out	ADP
gujaf-69	58	6	the	the	DET
gujaf-69	58	7	conduct	conduct	NOUN
gujaf-69	58	8	is	be	AUX
gujaf-69	58	9	a	a	DET
gujaf-69	58	10	person	person	NOUN
gujaf-69	58	11	's	's	PART
gujaf-69	58	12	positive	positive	ADJ
gujaf-69	58	13	or	or	CCONJ
gujaf-69	58	14	antagonistic	antagonistic	ADJ
gujaf-69	58	15	conviction	conviction	NOUN
gujaf-69	58	16	about	about	ADP
gujaf-69	58	17	playing	play	VERB
gujaf-69	58	18	out	out	ADP
gujaf-69	58	19	the	the	DET
gujaf-69	58	20	particular	particular	ADJ
gujaf-69	58	21	conduct	conduct	NOUN
gujaf-69	58	22	.	.	PUNCT
gujaf-69	59	1	truth	truth	NOUN
gujaf-69	59	2	be	be	AUX
gujaf-69	59	3	told	tell	VERB
gujaf-69	59	4	,	,	PUNCT
gujaf-69	59	5	mentalities	mentality	NOUN
gujaf-69	59	6	are	be	AUX
gujaf-69	59	7	involved	involve	VERB
gujaf-69	59	8	the	the	DET
gujaf-69	59	9	convictions	conviction	NOUN
gujaf-69	59	10	an	an	DET
gujaf-69	59	11	individual	individual	NOUN
gujaf-69	59	12	collects	collect	VERB
gujaf-69	59	13	over	over	ADP
gujaf-69	59	14	his	his	PRON
gujaf-69	59	15	lifetime	lifetime	NOUN
gujaf-69	59	16	.	.	PUNCT
gujaf-69	60	1	subsequently	subsequently	ADV
gujaf-69	60	2	,	,	PUNCT
gujaf-69	60	3	the	the	DET
gujaf-69	60	4	believes	belief	NOUN
gujaf-69	60	5	are	be	AUX
gujaf-69	60	6	acknowledged	acknowledge	VERB
gujaf-69	60	7	from	from	ADP
gujaf-69	60	8	encounters	encounter	NOUN
gujaf-69	60	9	,	,	PUNCT
gujaf-69	60	10	outside	outside	ADJ
gujaf-69	60	11	data	datum	NOUN
gujaf-69	60	12	,	,	PUNCT
gujaf-69	60	13	or	or	CCONJ
gujaf-69	60	14	from	from	ADP
gujaf-69	60	15	inside	inside	ADP
gujaf-69	60	16	oneself	oneself	PRON
gujaf-69	60	17	.	.	PUNCT
gujaf-69	61	1	a	a	DET
gujaf-69	61	2	couple	couple	NOUN
gujaf-69	61	3	of	of	ADP
gujaf-69	61	4	these	these	DET
gujaf-69	61	5	convictions	conviction	NOUN
gujaf-69	61	6	,	,	PUNCT
gujaf-69	61	7	in	in	ADP
gujaf-69	61	8	any	any	DET
gujaf-69	61	9	case	case	NOUN
gujaf-69	61	10	,	,	PUNCT
gujaf-69	61	11	really	really	ADV
gujaf-69	61	12	impact	impact	VERB
gujaf-69	61	13	disposition	disposition	NOUN
gujaf-69	61	14	.	.	PUNCT
gujaf-69	62	1	abstract	abstract	ADJ
gujaf-69	62	2	standard	standard	NOUN
gujaf-69	62	3	is	be	AUX
gujaf-69	62	4	convictions	conviction	NOUN
gujaf-69	62	5	about	about	ADP
gujaf-69	62	6	others	other	NOUN
gujaf-69	62	7	'	'	PART
gujaf-69	62	8	opinion	opinion	NOUN
gujaf-69	62	9	on	on	ADP
gujaf-69	62	10	the	the	DET
gujaf-69	62	11	conduct	conduct	NOUN
gujaf-69	62	12	.	.	PUNCT
gujaf-69	63	1	ojokuku	ojokuku	NOUN
gujaf-69	63	2	and	and	CCONJ
gujaf-69	63	3	sajuyigbe	sajuyigbe	NOUN
gujaf-69	63	4	,	,	PUNCT
gujaf-69	63	5	(	(	PUNCT
gujaf-69	63	6	2012	2012	NUM
gujaf-69	63	7	)	)	PUNCT
gujaf-69	63	8	some	some	PRON
gujaf-69	63	9	of	of	ADP
gujaf-69	63	10	the	the	DET
gujaf-69	63	11	related	relate	VERB
gujaf-69	63	12	empirical	empirical	ADJ
gujaf-69	63	13	studies	study	NOUN
gujaf-69	63	14	have	have	AUX
gujaf-69	63	15	been	be	AUX
gujaf-69	63	16	review	review	NOUN
gujaf-69	63	17	in	in	ADP
gujaf-69	63	18	other	other	ADJ
gujaf-69	63	19	to	to	PART
gujaf-69	63	20	study	study	VERB
gujaf-69	63	21	effect	effect	NOUN
gujaf-69	63	22	of	of	ADP
gujaf-69	63	23	e	e	NOUN
gujaf-69	63	24	-	-	NOUN
gujaf-69	63	25	payments	payment	NOUN
gujaf-69	63	26	on	on	ADP
gujaf-69	63	27	commercial	commercial	ADJ
gujaf-69	63	28	activities	activity	NOUN
gujaf-69	63	29	in	in	ADP
gujaf-69	63	30	yola	yola	PROPN
gujaf-69	63	31	metropolis	metropolis	PROPN
gujaf-69	63	32	.	.	PUNCT
gujaf-69	64	1	in	in	ADP
gujaf-69	64	2	a	a	DET
gujaf-69	64	3	related	related	ADJ
gujaf-69	64	4	study	study	NOUN
gujaf-69	64	5	akerejola	akerejola	NOUN
gujaf-69	64	6	,	,	PUNCT
gujaf-69	64	7	(	(	PUNCT
gujaf-69	64	8	2017	2017	NUM
gujaf-69	64	9	)	)	PUNCT
gujaf-69	64	10	examine	examine	VERB
gujaf-69	64	11	the	the	DET
gujaf-69	64	12	factors	factor	NOUN
gujaf-69	64	13	that	that	PRON
gujaf-69	64	14	affect	affect	VERB
gujaf-69	64	15	the	the	DET
gujaf-69	64	16	adoption	adoption	NOUN
gujaf-69	64	17	of	of	ADP
gujaf-69	64	18	point	point	NOUN
gujaf-69	64	19	of	of	ADP
gujaf-69	64	20	sales	sale	NOUN
gujaf-69	64	21	in	in	ADP
gujaf-69	64	22	some	some	DET
gujaf-69	64	23	selected	select	VERB
gujaf-69	64	24	business	business	NOUN
gujaf-69	64	25	organizations	organization	NOUN
gujaf-69	64	26	in	in	ADP
gujaf-69	64	27	the	the	DET
gujaf-69	64	28	banking	banking	NOUN
gujaf-69	64	29	,	,	PUNCT
gujaf-69	64	30	oil	oil	NOUN
gujaf-69	64	31	and	and	CCONJ
gujaf-69	64	32	gas	gas	NOUN
gujaf-69	64	33	,	,	PUNCT
gujaf-69	64	34	retail	retail	ADJ
gujaf-69	64	35	and	and	CCONJ
gujaf-69	64	36	airline	airline	NOUN
gujaf-69	64	37	industries	industry	NOUN
gujaf-69	64	38	in	in	ADP
gujaf-69	64	39	lagos	lagos	PROPN
gujaf-69	64	40	state	state	NOUN
gujaf-69	64	41	..	..	PUNCT
gujaf-69	64	42	using	use	VERB
gujaf-69	64	43	descriptive	descriptive	ADJ
gujaf-69	64	44	and	and	CCONJ
gujaf-69	64	45	inferential	inferential	ADJ
gujaf-69	64	46	statistics	statistic	NOUN
gujaf-69	64	47	,	,	PUNCT
gujaf-69	64	48	the	the	DET
gujaf-69	64	49	study	study	NOUN
gujaf-69	64	50	concluded	conclude	VERB
gujaf-69	64	51	that	that	SCONJ
gujaf-69	64	52	availability	availability	NOUN
gujaf-69	64	53	of	of	ADP
gujaf-69	64	54	infrastructure	infrastructure	NOUN
gujaf-69	64	55	,	,	PUNCT
gujaf-69	64	56	pos	pos	NOUN
gujaf-69	64	57	security	security	NOUN
gujaf-69	64	58	,	,	PUNCT
gujaf-69	64	59	customer	customer	NOUN
gujaf-69	64	60	trust	trust	NOUN
gujaf-69	64	61	,	,	PUNCT
gujaf-69	64	62	customer	customer	NOUN
gujaf-69	64	63	education	education	NOUN
gujaf-69	64	64	and	and	CCONJ
gujaf-69	64	65	customer	customer	NOUN
gujaf-69	64	66	motivation	motivation	NOUN
gujaf-69	64	67	has	have	AUX
gujaf-69	64	68	significantly	significantly	ADV
gujaf-69	64	69	and	and	CCONJ
gujaf-69	64	70	positively	positively	ADV
gujaf-69	64	71	affected	affect	VERB
gujaf-69	64	72	the	the	DET
gujaf-69	64	73	adoption	adoption	NOUN
gujaf-69	64	74	of	of	ADP
gujaf-69	64	75	pos	pos	NOUN
gujaf-69	64	76	in	in	ADP
gujaf-69	64	77	the	the	DET
gujaf-69	64	78	selected	select	VERB
gujaf-69	64	79	business	business	NOUN
gujaf-69	64	80	organizations	organization	NOUN
gujaf-69	64	81	in	in	ADP
gujaf-69	64	82	lagos	lagos	PROPN
gujaf-69	64	83	state	state	NOUN
gujaf-69	64	84	,	,	PUNCT
gujaf-69	64	85	nigeria	nigeria	PROPN
gujaf-69	64	86	.	.	PUNCT
gujaf-69	65	1	in	in	ADP
gujaf-69	65	2	the	the	DET
gujaf-69	65	3	same	same	ADJ
gujaf-69	65	4	vain	vain	NOUN
gujaf-69	65	5	,	,	PUNCT
gujaf-69	65	6	funmilola	funmilola	NOUN
gujaf-69	65	7	and	and	CCONJ
gujaf-69	65	8	oluwatobi	oluwatobi	PROPN
gujaf-69	65	9	(	(	PUNCT
gujaf-69	65	10	2015	2015	NUM
gujaf-69	65	11	)	)	PUNCT
gujaf-69	65	12	analyse	analyse	NOUN
gujaf-69	65	13	factors	factor	NOUN
gujaf-69	65	14	affecting	affect	VERB
gujaf-69	65	15	adoption	adoption	NOUN
gujaf-69	65	16	of	of	ADP
gujaf-69	65	17	pos	pos	NOUN
gujaf-69	65	18	by	by	ADP
gujaf-69	65	19	organizations	organization	NOUN
gujaf-69	65	20	in	in	ADP
gujaf-69	65	21	lagos	lagos	PROPN
gujaf-69	65	22	and	and	CCONJ
gujaf-69	65	23	ibadan	ibadan	PROPN
gujaf-69	65	24	metropolis	metropolis	PROPN
gujaf-69	65	25	,	,	PUNCT
gujaf-69	65	26	nigeria	nigeria	PROPN
gujaf-69	65	27	.	.	PUNCT
gujaf-69	66	1	using	use	VERB
gujaf-69	66	2	survey	survey	NOUN
gujaf-69	66	3	design	design	NOUN
gujaf-69	66	4	with	with	ADP
gujaf-69	66	5	sample	sample	NOUN
gujaf-69	66	6	of	of	ADP
gujaf-69	66	7	200	200	NUM
gujaf-69	66	8	organizations	organization	NOUN
gujaf-69	66	9	that	that	PRON
gujaf-69	66	10	were	be	AUX
gujaf-69	66	11	using	use	VERB
gujaf-69	66	12	pos	pos	NOUN
gujaf-69	66	13	in	in	ADP
gujaf-69	66	14	lagos	lagos	PROPN
gujaf-69	66	15	and	and	CCONJ
gujaf-69	66	16	ibadan	ibadan	PROPN
gujaf-69	66	17	metropolis	metropolis	PROPN
gujaf-69	66	18	,	,	PUNCT
gujaf-69	66	19	they	they	PRON
gujaf-69	66	20	concluded	conclude	VERB
gujaf-69	66	21	that	that	SCONJ
gujaf-69	66	22	subjective	subjective	ADJ
gujaf-69	66	23	norms	norm	NOUN
gujaf-69	66	24	and	and	CCONJ
gujaf-69	66	25	ease	ease	NOUN
gujaf-69	66	26	of	of	ADP
gujaf-69	66	27	using	use	VERB
gujaf-69	66	28	technology	technology	NOUN
gujaf-69	66	29	have	have	VERB
gujaf-69	66	30	significant	significant	ADJ
gujaf-69	66	31	relationship	relationship	NOUN
gujaf-69	66	32	with	with	ADP
gujaf-69	66	33	adoption	adoption	NOUN
gujaf-69	66	34	of	of	ADP
gujaf-69	66	35	pos	pos	NOUN
gujaf-69	66	36	machine	machine	NOUN
gujaf-69	66	37	by	by	ADP
gujaf-69	66	38	the	the	DET
gujaf-69	66	39	organizations	organization	NOUN
gujaf-69	66	40	.	.	PUNCT
gujaf-69	67	1	while	while	SCONJ
gujaf-69	67	2	the	the	DET
gujaf-69	67	3	characteristics	characteristic	NOUN
gujaf-69	67	4	of	of	ADP
gujaf-69	67	5	the	the	DET
gujaf-69	67	6	organizations	organization	NOUN
gujaf-69	67	7	,	,	PUNCT
gujaf-69	67	8	image	image	NOUN
gujaf-69	67	9	and	and	CCONJ
gujaf-69	67	10	importance	importance	NOUN
gujaf-69	67	11	of	of	ADP
gujaf-69	67	12	new	new	ADJ
gujaf-69	67	13	technology	technology	NOUN
gujaf-69	67	14	have	have	VERB
gujaf-69	67	15	no	no	DET
gujaf-69	67	16	significant	significant	ADJ
gujaf-69	67	17	relationship	relationship	NOUN
gujaf-69	67	18	with	with	ADP
gujaf-69	67	19	adoption	adoption	NOUN
gujaf-69	67	20	of	of	ADP
gujaf-69	67	21	pos	pos	PROPN
gujaf-69	67	22	.	.	PUNCT
gujaf-69	68	1	gusau	gusau	PROPN
gujaf-69	68	2	journal	journal	PROPN
gujaf-69	68	3	of	of	ADP
gujaf-69	68	4	accounting	accounting	NOUN
gujaf-69	68	5	and	and	CCONJ
gujaf-69	68	6	finance	finance	NOUN
gujaf-69	68	7	,	,	PUNCT
gujaf-69	68	8	vol	vol	NOUN
gujaf-69	68	9	.	.	PROPN
gujaf-69	68	10	2	2	NUM
gujaf-69	68	11	,	,	PUNCT
gujaf-69	68	12	issue	issue	NOUN
gujaf-69	68	13	2	2	NUM
gujaf-69	68	14	,	,	PUNCT
gujaf-69	68	15	april	april	PROPN
gujaf-69	68	16	,	,	PUNCT
gujaf-69	68	17	2021	2021	NUM
gujaf-69	68	18	5	5	NUM
gujaf-69	68	19	on	on	ADP
gujaf-69	68	20	the	the	DET
gujaf-69	68	21	other	other	ADJ
gujaf-69	68	22	hand	hand	NOUN
gujaf-69	68	23	,	,	PUNCT
gujaf-69	68	24	oginni	oginni	PROPN
gujaf-69	68	25	,	,	PUNCT
gujaf-69	68	26	el	el	PROPN
gujaf-69	68	27	-	-	PROPN
gujaf-69	68	28	maude	maude	PROPN
gujaf-69	68	29	,	,	PUNCT
gujaf-69	68	30	mohammed	mohammed	PROPN
gujaf-69	68	31	and	and	CCONJ
gujaf-69	68	32	michael	michael	PROPN
gujaf-69	68	33	(	(	PUNCT
gujaf-69	68	34	2013	2013	NUM
gujaf-69	68	35	)	)	PUNCT
gujaf-69	68	36	.	.	PUNCT
gujaf-69	68	37	evaluate	evaluate	VERB
gujaf-69	68	38	electronic	electronic	ADJ
gujaf-69	68	39	payment	payment	NOUN
gujaf-69	68	40	system	system	NOUN
gujaf-69	68	41	and	and	CCONJ
gujaf-69	68	42	economic	economic	ADJ
gujaf-69	68	43	growth	growth	NOUN
gujaf-69	68	44	,	,	PUNCT
gujaf-69	68	45	and	and	CCONJ
gujaf-69	68	46	concluded	conclude	VERB
gujaf-69	68	47	that	that	SCONJ
gujaf-69	68	48	there	there	PRON
gujaf-69	68	49	is	be	VERB
gujaf-69	68	50	a	a	DET
gujaf-69	68	51	significant	significant	ADJ
gujaf-69	68	52	positive	positive	ADJ
gujaf-69	68	53	relationship	relationship	NOUN
gujaf-69	68	54	between	between	ADP
gujaf-69	68	55	e	e	NOUN
gujaf-69	68	56	-	-	NOUN
gujaf-69	68	57	payment	payment	NOUN
gujaf-69	68	58	system	system	NOUN
gujaf-69	68	59	and	and	CCONJ
gujaf-69	68	60	economic	economic	ADJ
gujaf-69	68	61	growth	growth	NOUN
gujaf-69	68	62	in	in	ADP
gujaf-69	68	63	term	term	NOUN
gujaf-69	68	64	of	of	ADP
gujaf-69	68	65	real	real	ADJ
gujaf-69	68	66	gdp	gdp	NOUN
gujaf-69	68	67	per	per	ADP
gujaf-69	68	68	capita	capita	NOUN
gujaf-69	68	69	and	and	CCONJ
gujaf-69	68	70	trade	trade	NOUN
gujaf-69	68	71	per	per	ADP
gujaf-69	68	72	capita	capita	NOUN
gujaf-69	68	73	.	.	PUNCT
gujaf-69	69	1	meanwhile	meanwhile	ADV
gujaf-69	69	2	atm	atm	PROPN
gujaf-69	69	3	was	be	AUX
gujaf-69	69	4	found	find	VERB
gujaf-69	69	5	to	to	PART
gujaf-69	69	6	positively	positively	ADV
gujaf-69	69	7	contributing	contribute	VERB
gujaf-69	69	8	to	to	ADP
gujaf-69	69	9	economic	economic	ADJ
gujaf-69	69	10	growth	growth	NOUN
gujaf-69	69	11	while	while	SCONJ
gujaf-69	69	12	other	other	ADJ
gujaf-69	69	13	e	e	NOUN
gujaf-69	69	14	-	-	ADJ
gujaf-69	69	15	payment	payment	ADJ
gujaf-69	69	16	channels	channel	NOUN
gujaf-69	69	17	contribute	contribute	VERB
gujaf-69	69	18	negatively	negatively	ADV
gujaf-69	69	19	.	.	PUNCT
gujaf-69	70	1	similarly	similarly	ADV
gujaf-69	70	2	adeoti	adeoti	PROPN
gujaf-69	70	3	,	,	PUNCT
gujaf-69	70	4	(	(	PUNCT
gujaf-69	70	5	2013	2013	NUM
gujaf-69	70	6	)	)	PUNCT
gujaf-69	70	7	assess	assess	VERB
gujaf-69	70	8	the	the	DET
gujaf-69	70	9	challenges	challenge	NOUN
gujaf-69	70	10	of	of	ADP
gujaf-69	70	11	the	the	DET
gujaf-69	70	12	efficient	efficient	ADJ
gujaf-69	70	13	and	and	CCONJ
gujaf-69	70	14	effective	effective	ADJ
gujaf-69	70	15	use	use	NOUN
gujaf-69	70	16	of	of	ADP
gujaf-69	70	17	point	point	NOUN
gujaf-69	70	18	of	of	ADP
gujaf-69	70	19	sale	sale	NOUN
gujaf-69	70	20	terminals	terminal	NOUN
gujaf-69	70	21	in	in	ADP
gujaf-69	70	22	nigeria	nigeria	PROPN
gujaf-69	70	23	.	.	PUNCT
gujaf-69	71	1	his	his	PRON
gujaf-69	71	2	finding	finding	NOUN
gujaf-69	71	3	identifies	identify	VERB
gujaf-69	71	4	network	network	NOUN
gujaf-69	71	5	failure	failure	NOUN
gujaf-69	71	6	,	,	PUNCT
gujaf-69	71	7	frequent	frequent	ADJ
gujaf-69	71	8	power	power	NOUN
gujaf-69	71	9	outage	outage	NOUN
gujaf-69	71	10	;	;	PUNCT
gujaf-69	71	11	limited	limited	ADJ
gujaf-69	71	12	numbers	number	NOUN
gujaf-69	71	13	of	of	ADP
gujaf-69	71	14	pos	pos	NOUN
gujaf-69	71	15	per	per	ADP
gujaf-69	71	16	merchant	merchant	NOUN
gujaf-69	71	17	store	store	NOUN
gujaf-69	71	18	where	where	SCONJ
gujaf-69	71	19	they	they	PRON
gujaf-69	71	20	are	be	AUX
gujaf-69	71	21	available	available	ADJ
gujaf-69	71	22	,	,	PUNCT
gujaf-69	71	23	security	security	NOUN
gujaf-69	71	24	of	of	ADP
gujaf-69	71	25	communication	communication	NOUN
gujaf-69	71	26	over	over	ADP
gujaf-69	71	27	the	the	DET
gujaf-69	71	28	network	network	NOUN
gujaf-69	71	29	and	and	CCONJ
gujaf-69	71	30	unavailability	unavailability	NOUN
gujaf-69	71	31	of	of	ADP
gujaf-69	71	32	the	the	DET
gujaf-69	71	33	pos	pos	NOUN
gujaf-69	71	34	at	at	ADP
gujaf-69	71	35	all	all	DET
gujaf-69	71	36	commercial	commercial	ADJ
gujaf-69	71	37	centers	center	NOUN
gujaf-69	71	38	as	as	ADP
gujaf-69	71	39	challenges	challenge	NOUN
gujaf-69	71	40	facing	face	VERB
gujaf-69	71	41	adoption	adoption	NOUN
gujaf-69	71	42	of	of	ADP
gujaf-69	71	43	pos	pos	NOUN
gujaf-69	71	44	.	.	PUNCT
gujaf-69	72	1	also	also	ADV
gujaf-69	72	2	joan	joan	PROPN
gujaf-69	72	3	(	(	PUNCT
gujaf-69	72	4	2018	2018	NUM
gujaf-69	72	5	)	)	PUNCT
gujaf-69	72	6	.	.	PUNCT
gujaf-69	73	1	examine	examine	VERB
gujaf-69	73	2	impact	impact	NOUN
gujaf-69	73	3	of	of	ADP
gujaf-69	73	4	mobile	mobile	ADJ
gujaf-69	73	5	banking	banking	NOUN
gujaf-69	73	6	adoption	adoption	NOUN
gujaf-69	73	7	on	on	ADP
gujaf-69	73	8	the	the	DET
gujaf-69	73	9	performance	performance	NOUN
gujaf-69	73	10	of	of	ADP
gujaf-69	73	11	smes	sme	NOUN
gujaf-69	73	12	in	in	ADP
gujaf-69	73	13	kenya	kenya	PROPN
gujaf-69	73	14	.	.	PUNCT
gujaf-69	74	1	the	the	DET
gujaf-69	74	2	study	study	NOUN
gujaf-69	74	3	applied	apply	VERB
gujaf-69	74	4	a	a	DET
gujaf-69	74	5	descriptive	descriptive	ADJ
gujaf-69	74	6	survey	survey	NOUN
gujaf-69	74	7	design	design	NOUN
gujaf-69	74	8	and	and	CCONJ
gujaf-69	74	9	concluded	conclude	VERB
gujaf-69	74	10	that	that	SCONJ
gujaf-69	74	11	mobile	mobile	ADJ
gujaf-69	74	12	banking	banking	NOUN
gujaf-69	74	13	adoption	adoption	NOUN
gujaf-69	74	14	positively	positively	ADV
gujaf-69	74	15	affects	affect	VERB
gujaf-69	74	16	the	the	DET
gujaf-69	74	17	performance	performance	NOUN
gujaf-69	74	18	smes	sme	NOUN
gujaf-69	74	19	in	in	ADP
gujaf-69	74	20	kenya	kenya	PROPN
gujaf-69	74	21	.	.	PUNCT
gujaf-69	75	1	3	3	X
gujaf-69	75	2	.	.	X
gujaf-69	75	3	methods	method	NOUN
gujaf-69	75	4	,	,	PUNCT
gujaf-69	75	5	study	study	NOUN
gujaf-69	75	6	area	area	NOUN
gujaf-69	75	7	and	and	CCONJ
gujaf-69	75	8	data	datum	NOUN
gujaf-69	75	9	the	the	DET
gujaf-69	75	10	study	study	NOUN
gujaf-69	75	11	covers	cover	VERB
gujaf-69	75	12	yola	yola	PROPN
gujaf-69	75	13	metropolis	metropolis	PROPN
gujaf-69	75	14	which	which	PRON
gujaf-69	75	15	comprises	comprise	VERB
gujaf-69	75	16	of	of	ADP
gujaf-69	75	17	two	two	NUM
gujaf-69	75	18	local	local	ADJ
gujaf-69	75	19	governments	government	NOUN
gujaf-69	75	20	namely	namely	ADV
gujaf-69	75	21	:	:	PUNCT
gujaf-69	75	22	yola	yola	PROPN
gujaf-69	75	23	north	north	PROPN
gujaf-69	75	24	and	and	CCONJ
gujaf-69	75	25	yola	yola	PROPN
gujaf-69	75	26	south	south	PROPN
gujaf-69	75	27	in	in	ADP
gujaf-69	75	28	adamawa	adamawa	PROPN
gujaf-69	75	29	state	state	PROPN
gujaf-69	75	30	,	,	PUNCT
gujaf-69	75	31	nigeria	nigeria	PROPN
gujaf-69	75	32	.	.	PUNCT
gujaf-69	76	1	the	the	DET
gujaf-69	76	2	area	area	NOUN
gujaf-69	76	3	comprises	comprise	VERB
gujaf-69	76	4	of	of	ADP
gujaf-69	76	5	important	important	ADJ
gujaf-69	76	6	towns	town	NOUN
gujaf-69	76	7	like	like	ADP
gujaf-69	76	8	jimeta	jimeta	NOUN
gujaf-69	76	9	,	,	PUNCT
gujaf-69	76	10	and	and	CCONJ
gujaf-69	76	11	yola	yola	PROPN
gujaf-69	76	12	.	.	PUNCT
gujaf-69	77	1	yola	yola	PROPN
gujaf-69	77	2	metropolis	metropolis	PROPN
gujaf-69	77	3	is	be	AUX
gujaf-69	77	4	the	the	DET
gujaf-69	77	5	heart	heart	NOUN
gujaf-69	77	6	and	and	CCONJ
gujaf-69	77	7	capital	capital	NOUN
gujaf-69	77	8	city	city	NOUN
gujaf-69	77	9	of	of	ADP
gujaf-69	77	10	adamawa	adamawa	PROPN
gujaf-69	77	11	state	state	PROPN
gujaf-69	77	12	.	.	PUNCT
gujaf-69	78	1	yola	yola	PROPN
gujaf-69	78	2	is	be	AUX
gujaf-69	78	3	the	the	DET
gujaf-69	78	4	capital	capital	NOUN
gujaf-69	78	5	city	city	NOUN
gujaf-69	78	6	of	of	ADP
gujaf-69	78	7	adamawa	adamawa	PROPN
gujaf-69	78	8	state	state	PROPN
gujaf-69	78	9	,	,	PUNCT
gujaf-69	78	10	nigeria	nigeria	PROPN
gujaf-69	78	11	.	.	PUNCT
gujaf-69	79	1	is	be	AUX
gujaf-69	79	2	located	locate	VERB
gujaf-69	79	3	on	on	ADP
gujaf-69	79	4	the	the	DET
gujaf-69	79	5	benue	benue	PROPN
gujaf-69	79	6	river	river	NOUN
gujaf-69	79	7	,	,	PUNCT
gujaf-69	79	8	it	it	PRON
gujaf-69	79	9	has	have	VERB
gujaf-69	79	10	a	a	DET
gujaf-69	79	11	population	population	NOUN
gujaf-69	79	12	of	of	ADP
gujaf-69	79	13	336,648	336,648	NUM
gujaf-69	79	14	(	(	PUNCT
gujaf-69	79	15	2006	2006	NUM
gujaf-69	79	16	)	)	PUNCT
gujaf-69	79	17	.	.	PUNCT
gujaf-69	80	1	yola	yola	PROPN
gujaf-69	80	2	is	be	AUX
gujaf-69	80	3	divided	divide	VERB
gujaf-69	80	4	into	into	ADP
gujaf-69	80	5	two	two	NUM
gujaf-69	80	6	parts	part	NOUN
gujaf-69	80	7	,	,	PUNCT
gujaf-69	80	8	yola	yola	PROPN
gujaf-69	80	9	north	north	PROPN
gujaf-69	80	10	and	and	CCONJ
gujaf-69	80	11	yola	yola	PROPN
gujaf-69	80	12	south	south	PROPN
gujaf-69	80	13	.	.	PUNCT
gujaf-69	81	1	the	the	DET
gujaf-69	81	2	yola	yola	PROPN
gujaf-69	81	3	south	south	PROPN
gujaf-69	81	4	is	be	AUX
gujaf-69	81	5	where	where	SCONJ
gujaf-69	81	6	the	the	DET
gujaf-69	81	7	lamido	lamido	NOUN
gujaf-69	81	8	resides	reside	VERB
gujaf-69	81	9	,	,	PUNCT
gujaf-69	81	10	while	while	SCONJ
gujaf-69	81	11	yola	yola	PROPN
gujaf-69	81	12	north	north	PROPN
gujaf-69	81	13	is	be	AUX
gujaf-69	81	14	known	know	VERB
gujaf-69	81	15	as	as	ADP
gujaf-69	81	16	jimeta	jimeta	ADP
gujaf-69	81	17	the	the	DET
gujaf-69	81	18	administrative	administrative	ADJ
gujaf-69	81	19	and	and	CCONJ
gujaf-69	81	20	commercial	commercial	ADJ
gujaf-69	81	21	centers	center	NOUN
gujaf-69	81	22	.	.	PUNCT
gujaf-69	82	1	generally	generally	ADV
gujaf-69	82	2	the	the	DET
gujaf-69	82	3	term	term	NOUN
gujaf-69	82	4	yola	yola	PROPN
gujaf-69	82	5	is	be	AUX
gujaf-69	82	6	now	now	ADV
gujaf-69	82	7	used	use	VERB
gujaf-69	82	8	to	to	PART
gujaf-69	82	9	mean	mean	VERB
gujaf-69	82	10	both	both	PRON
gujaf-69	82	11	.	.	PUNCT
gujaf-69	83	1	in	in	ADP
gujaf-69	83	2	this	this	DET
gujaf-69	83	3	study	study	NOUN
gujaf-69	83	4	,	,	PUNCT
gujaf-69	83	5	the	the	DET
gujaf-69	83	6	researcher	researcher	NOUN
gujaf-69	83	7	used	use	VERB
gujaf-69	83	8	primary	primary	ADJ
gujaf-69	83	9	data	datum	NOUN
gujaf-69	83	10	mainly	mainly	ADV
gujaf-69	83	11	because	because	SCONJ
gujaf-69	83	12	it	it	PRON
gujaf-69	83	13	provide	provide	VERB
gujaf-69	83	14	firsthand	firsthand	ADJ
gujaf-69	83	15	information	information	NOUN
gujaf-69	83	16	needed	need	VERB
gujaf-69	83	17	to	to	PART
gujaf-69	83	18	achieve	achieve	VERB
gujaf-69	83	19	the	the	DET
gujaf-69	83	20	objectives	objective	NOUN
gujaf-69	83	21	of	of	ADP
gujaf-69	83	22	the	the	DET
gujaf-69	83	23	research	research	NOUN
gujaf-69	83	24	.	.	PUNCT
gujaf-69	84	1	the	the	DET
gujaf-69	84	2	study	study	NOUN
gujaf-69	84	3	used	use	VERB
gujaf-69	84	4	questionnaire	questionnaire	NOUN
gujaf-69	84	5	in	in	ADP
gujaf-69	84	6	collecting	collect	VERB
gujaf-69	84	7	primary	primary	ADJ
gujaf-69	84	8	data	datum	NOUN
gujaf-69	84	9	from	from	ADP
gujaf-69	84	10	staff	staff	NOUN
gujaf-69	84	11	and	and	CCONJ
gujaf-69	84	12	customers	customer	NOUN
gujaf-69	84	13	of	of	ADP
gujaf-69	84	14	some	some	DET
gujaf-69	84	15	selected	select	VERB
gujaf-69	84	16	commercial	commercial	ADJ
gujaf-69	84	17	activities	activity	NOUN
gujaf-69	84	18	(	(	PUNCT
gujaf-69	84	19	shopping	shopping	NOUN
gujaf-69	84	20	malls	mall	NOUN
gujaf-69	84	21	,	,	PUNCT
gujaf-69	84	22	shopping	shopping	NOUN
gujaf-69	84	23	complex	complex	NOUN
gujaf-69	84	24	)	)	PUNCT
gujaf-69	84	25	.	.	PUNCT
gujaf-69	85	1	likert	likert	NOUN
gujaf-69	85	2	five	five	NUM
gujaf-69	85	3	point	point	NOUN
gujaf-69	85	4	scales	scale	NOUN
gujaf-69	85	5	on	on	ADP
gujaf-69	85	6	the	the	DET
gujaf-69	85	7	basis	basis	NOUN
gujaf-69	85	8	of	of	ADP
gujaf-69	85	9	(	(	PUNCT
gujaf-69	85	10	5	5	NUM
gujaf-69	85	11	=	=	PRON
gujaf-69	85	12	strongly	strongly	ADV
gujaf-69	85	13	agree	agree	VERB
gujaf-69	85	14	,	,	PUNCT
gujaf-69	85	15	4=	4=	NUM
gujaf-69	85	16	agree	agree	VERB
gujaf-69	85	17	,	,	PUNCT
gujaf-69	85	18	3	3	NUM
gujaf-69	85	19	=	=	SYM
gujaf-69	85	20	undecided	undecided	ADJ
gujaf-69	85	21	,	,	PUNCT
gujaf-69	85	22	2=	2=	NUM
gujaf-69	85	23	disagree	disagree	VERB
gujaf-69	85	24	1	1	NUM
gujaf-69	85	25	=	=	PRON
gujaf-69	85	26	strongly	strongly	ADV
gujaf-69	85	27	disagree	disagree	VERB
gujaf-69	85	28	)	)	PUNCT
gujaf-69	85	29	were	be	AUX
gujaf-69	85	30	used	use	VERB
gujaf-69	85	31	as	as	ADP
gujaf-69	85	32	a	a	DET
gujaf-69	85	33	basis	basis	NOUN
gujaf-69	85	34	of	of	ADP
gujaf-69	85	35	the	the	DET
gujaf-69	85	36	questions	question	NOUN
gujaf-69	85	37	to	to	PART
gujaf-69	85	38	collect	collect	VERB
gujaf-69	85	39	information	information	NOUN
gujaf-69	85	40	including	include	VERB
gujaf-69	85	41	the	the	DET
gujaf-69	85	42	confidentiality	confidentiality	NOUN
gujaf-69	85	43	and	and	CCONJ
gujaf-69	85	44	anonymity	anonymity	NOUN
gujaf-69	85	45	of	of	ADP
gujaf-69	85	46	respondents	respondent	NOUN
gujaf-69	85	47	.	.	PUNCT
gujaf-69	86	1	population	population	NOUN
gujaf-69	86	2	of	of	ADP
gujaf-69	86	3	the	the	DET
gujaf-69	86	4	study	study	NOUN
gujaf-69	86	5	comprises	comprise	NOUN
gujaf-69	86	6	of	of	ADP
gujaf-69	86	7	staff(sales	staff(sales	PROPN
gujaf-69	86	8	attendant	attendant	NOUN
gujaf-69	86	9	&	&	CCONJ
gujaf-69	86	10	owners	owner	NOUN
gujaf-69	86	11	)	)	PUNCT
gujaf-69	86	12	and	and	CCONJ
gujaf-69	86	13	customers	customer	NOUN
gujaf-69	86	14	of	of	ADP
gujaf-69	86	15	some	some	DET
gujaf-69	86	16	selected	select	VERB
gujaf-69	86	17	commercial	commercial	ADJ
gujaf-69	86	18	centers	center	NOUN
gujaf-69	86	19	(	(	PUNCT
gujaf-69	86	20	san	san	PROPN
gujaf-69	86	21	-	-	PUNCT
gujaf-69	86	22	hussain	hussain	PROPN
gujaf-69	86	23	mall	mall	NOUN
gujaf-69	86	24	,	,	PUNCT
gujaf-69	86	25	kefas	kefas	NOUN
gujaf-69	86	26	shopping	shopping	NOUN
gujaf-69	86	27	plaza	plaza	PROPN
gujaf-69	86	28	,	,	PUNCT
gujaf-69	86	29	adda	adda	PROPN
gujaf-69	86	30	manga	manga	PROPN
gujaf-69	86	31	super	super	PROPN
gujaf-69	86	32	market	market	NOUN
gujaf-69	86	33	,	,	PUNCT
gujaf-69	86	34	yakubu	yakubu	PROPN
gujaf-69	86	35	shopping	shopping	PROPN
gujaf-69	86	36	plaza	plaza	PROPN
gujaf-69	86	37	,	,	PUNCT
gujaf-69	86	38	luka	luka	PROPN
gujaf-69	86	39	shopping	shopping	PROPN
gujaf-69	86	40	plaza	plaza	PROPN
gujaf-69	86	41	,	,	PUNCT
gujaf-69	86	42	top-10	top-10	PRON
gujaf-69	86	43	plaza	plaza	NOUN
gujaf-69	86	44	,	,	PUNCT
gujaf-69	86	45	tasty	tasty	ADJ
gujaf-69	86	46	menu	menu	NOUN
gujaf-69	86	47	super	super	ADJ
gujaf-69	86	48	market	market	NOUN
gujaf-69	86	49	)	)	PUNCT
gujaf-69	86	50	in	in	ADP
gujaf-69	86	51	yola	yola	PROPN
gujaf-69	86	52	metropolis	metropolis	PROPN
gujaf-69	86	53	of	of	ADP
gujaf-69	86	54	adamawa	adamawa	PROPN
gujaf-69	86	55	state	state	NOUN
gujaf-69	86	56	.	.	PUNCT
gujaf-69	87	1	the	the	DET
gujaf-69	87	2	population	population	NOUN
gujaf-69	87	3	are	be	AUX
gujaf-69	87	4	taking	take	VERB
gujaf-69	87	5	as	as	SCONJ
gujaf-69	87	6	follows	follow	VERB
gujaf-69	87	7	;	;	PUNCT
gujaf-69	87	8	san	san	PROPN
gujaf-69	87	9	hussein	hussein	PROPN
gujaf-69	87	10	1820	1820	NUM
gujaf-69	87	11	adda	adda	PROPN
gujaf-69	87	12	manga	manga	PROPN
gujaf-69	87	13	super	super	PROPN
gujaf-69	87	14	market	market	NOUN
gujaf-69	87	15	486	486	NUM
gujaf-69	87	16	,	,	PUNCT
gujaf-69	87	17	yakubu	yakubu	PROPN
gujaf-69	87	18	shopping	shopping	PROPN
gujaf-69	87	19	850	850	NUM
gujaf-69	87	20	,	,	PUNCT
gujaf-69	87	21	luka	luka	PROPN
gujaf-69	87	22	shopping	shopping	NOUN
gujaf-69	87	23	plaza	plaza	PROPN
gujaf-69	87	24	550	550	NUM
gujaf-69	87	25	,	,	PUNCT
gujaf-69	87	26	,	,	PUNCT
gujaf-69	87	27	top-10	top-10	PRON
gujaf-69	87	28	289	289	NUM
gujaf-69	87	29	,	,	PUNCT
gujaf-69	87	30	tasty	tasty	ADJ
gujaf-69	87	31	menu	menu	NOUN
gujaf-69	87	32	450	450	NUM
gujaf-69	87	33	,	,	PUNCT
gujaf-69	87	34	kefas	kefas	NOUN
gujaf-69	87	35	shoping	shop	VERB
gujaf-69	87	36	plaza	plaza	PROPN
gujaf-69	87	37	756	756	NUM
gujaf-69	87	38	.	.	PUNCT
gujaf-69	88	1	fesare	fesare	VERB
gujaf-69	88	2	super	super	ADJ
gujaf-69	88	3	market	market	NOUN
gujaf-69	88	4	182	182	NUM
gujaf-69	88	5	making	make	VERB
gujaf-69	88	6	a	a	DET
gujaf-69	88	7	total	total	NOUN
gujaf-69	88	8	of	of	ADP
gujaf-69	88	9	(	(	PUNCT
gujaf-69	88	10	5383	5383	NUM
gujaf-69	88	11	)	)	PUNCT
gujaf-69	88	12	having	have	VERB
gujaf-69	88	13	their	their	PRON
gujaf-69	88	14	branches	branch	NOUN
gujaf-69	88	15	spread	spread	VERB
gujaf-69	88	16	across	across	ADP
gujaf-69	88	17	yola	yola	PROPN
gujaf-69	88	18	metropolis	metropolis	PROPN
gujaf-69	88	19	of	of	ADP
gujaf-69	88	20	adamawa	adamawa	PROPN
gujaf-69	88	21	(	(	PUNCT
gujaf-69	88	22	field	field	NOUN
gujaf-69	88	23	survey	survey	NOUN
gujaf-69	88	24	)	)	PUNCT
gujaf-69	88	25	.	.	PUNCT
gujaf-69	89	1	number	number	NOUN
gujaf-69	89	2	of	of	ADP
gujaf-69	89	3	staff(sales	staff(sales	PROPN
gujaf-69	89	4	attendant	attendant	NOUN
gujaf-69	89	5	and	and	CCONJ
gujaf-69	89	6	owners	owner	NOUN
gujaf-69	89	7	)	)	PUNCT
gujaf-69	89	8	and	and	CCONJ
gujaf-69	89	9	customers	customer	NOUN
gujaf-69	89	10	of	of	ADP
gujaf-69	89	11	some	some	DET
gujaf-69	89	12	selected	select	VERB
gujaf-69	89	13	commercial	commercial	ADJ
gujaf-69	89	14	activities	activity	NOUN
gujaf-69	89	15	are	be	AUX
gujaf-69	89	16	much	much	ADV
gujaf-69	89	17	such	such	ADJ
gujaf-69	89	18	that	that	DET
gujaf-69	89	19	sample	sample	NOUN
gujaf-69	89	20	has	have	VERB
gujaf-69	89	21	to	to	PART
gujaf-69	89	22	be	be	AUX
gujaf-69	89	23	drawn	draw	VERB
gujaf-69	89	24	.	.	PUNCT
gujaf-69	90	1	however	however	ADV
gujaf-69	90	2	,	,	PUNCT
gujaf-69	90	3	to	to	PART
gujaf-69	90	4	get	get	VERB
gujaf-69	90	5	the	the	DET
gujaf-69	90	6	sample	sample	NOUN
gujaf-69	90	7	out	out	ADP
gujaf-69	90	8	of	of	ADP
gujaf-69	90	9	the	the	DET
gujaf-69	90	10	population	population	NOUN
gujaf-69	90	11	of	of	ADP
gujaf-69	90	12	study	study	NOUN
gujaf-69	90	13	(	(	PUNCT
gujaf-69	90	14	yamane	yamane	PROPN
gujaf-69	90	15	,	,	PUNCT
gujaf-69	90	16	1967	1967	NUM
gujaf-69	90	17	)	)	PUNCT
gujaf-69	90	18	formula	formula	NOUN
gujaf-69	90	19	was	be	AUX
gujaf-69	90	20	taken	take	VERB
gujaf-69	90	21	in	in	ADP
gujaf-69	90	22	to	to	ADP
gujaf-69	90	23	consideration	consideration	NOUN
gujaf-69	90	24	.	.	PUNCT
gujaf-69	91	1	thus	thus	ADV
gujaf-69	91	2	formulae	formulae	ADJ
gujaf-69	91	3	is	be	AUX
gujaf-69	91	4	:	:	PUNCT
gujaf-69	91	5	n=	n=	ADJ
gujaf-69	91	6	n/(1+nα	n/(1+nα	NOUN
gujaf-69	91	7	2	2	NUM
gujaf-69	91	8	)	)	PUNCT
gujaf-69	91	9	.	.	PUNCT
gujaf-69	92	1	where	where	SCONJ
gujaf-69	92	2	,	,	PUNCT
gujaf-69	92	3	n	n	PROPN
gujaf-69	92	4	=	=	NOUN
gujaf-69	92	5	sample	sample	NOUN
gujaf-69	92	6	size	size	NOUN
gujaf-69	92	7	,	,	PUNCT
gujaf-69	92	8	n	n	NOUN
gujaf-69	92	9	=	=	PUNCT
gujaf-69	92	10	a	a	DET
gujaf-69	92	11	population	population	NOUN
gujaf-69	92	12	size	size	NOUN
gujaf-69	92	13	,	,	PUNCT
gujaf-69	92	14	α	α	X
gujaf-69	92	15	=	=	VERB
gujaf-69	92	16	the	the	DET
gujaf-69	92	17	level	level	NOUN
gujaf-69	92	18	of	of	ADP
gujaf-69	92	19	precision	precision	NOUN
gujaf-69	92	20	(	(	PUNCT
gujaf-69	92	21	a	a	DET
gujaf-69	92	22	95	95	NUM
gujaf-69	92	23	%	%	NOUN
gujaf-69	92	24	confidence	confidence	NOUN
gujaf-69	92	25	level	level	NOUN
gujaf-69	92	26	or	or	CCONJ
gujaf-69	92	27	5	5	NUM
gujaf-69	92	28	%	%	NOUN
gujaf-69	92	29	per	per	ADP
gujaf-69	92	30	cent	cent	NOUN
gujaf-69	92	31	level	level	NOUN
gujaf-69	92	32	of	of	ADP
gujaf-69	92	33	precision	precision	NOUN
gujaf-69	92	34	)	)	PUNCT
gujaf-69	92	35	.	.	PUNCT
gujaf-69	93	1	thus	thus	ADV
gujaf-69	93	2	,	,	PUNCT
gujaf-69	93	3	the	the	DET
gujaf-69	93	4	sample	sample	NOUN
gujaf-69	93	5	size	size	NOUN
gujaf-69	93	6	is	be	AUX
gujaf-69	93	7	calculated	calculate	VERB
gujaf-69	93	8	as	as	SCONJ
gujaf-69	93	9	follows	follow	VERB
gujaf-69	93	10	:	:	PUNCT
gujaf-69	93	11	n=	n=	ADJ
gujaf-69	93	12	n/(1+nα	n/(1+nα	NOUN
gujaf-69	93	13	2	2	NUM
gujaf-69	93	14	)	)	PUNCT
gujaf-69	93	15	.	.	PUNCT
gujaf-69	94	1	n	n	NOUN
gujaf-69	95	1	=	=	NOUN
gujaf-69	95	2	5383/	5383/	NUM
gujaf-69	95	3	(	(	PUNCT
gujaf-69	95	4	1	1	NUM
gujaf-69	95	5	+	+	NOUN
gujaf-69	95	6	5383(0.05	5383(0.05	NUM
gujaf-69	95	7	)	)	PUNCT
gujaf-69	95	8	2	2	NUM
gujaf-69	95	9	)	)	PUNCT
gujaf-69	95	10	n=	n=	ADJ
gujaf-69	95	11	373	373	NUM
gujaf-69	95	12	structural	structural	ADJ
gujaf-69	95	13	equation	equation	NOUN
gujaf-69	95	14	modeling	modeling	NOUN
gujaf-69	95	15	(	(	PUNCT
gujaf-69	95	16	sem	sem	NOUN
gujaf-69	95	17	)	)	PUNCT
gujaf-69	95	18	was	be	AUX
gujaf-69	95	19	adopted	adopt	VERB
gujaf-69	95	20	in	in	ADP
gujaf-69	95	21	analyzing	analyze	VERB
gujaf-69	95	22	the	the	DET
gujaf-69	95	23	data	datum	NOUN
gujaf-69	95	24	collected	collect	VERB
gujaf-69	95	25	.	.	PUNCT
gujaf-69	96	1	structural	structural	ADJ
gujaf-69	96	2	equation	equation	NOUN
gujaf-69	96	3	modeling	modeling	NOUN
gujaf-69	96	4	(	(	PUNCT
gujaf-69	96	5	sem	sem	NOUN
gujaf-69	96	6	)	)	PUNCT
gujaf-69	96	7	is	be	AUX
gujaf-69	96	8	a	a	DET
gujaf-69	96	9	statistical	statistical	ADJ
gujaf-69	96	10	techniques	technique	NOUN
gujaf-69	96	11	developed	develop	VERB
gujaf-69	96	12	for	for	ADP
gujaf-69	96	13	analyzing	analyze	VERB
gujaf-69	96	14	the	the	DET
gujaf-69	96	15	interrelationship	interrelationship	NOUN
gujaf-69	96	16	among	among	ADP
gujaf-69	96	17	variables	variable	NOUN
gujaf-69	96	18	in	in	ADP
gujaf-69	96	19	the	the	DET
gujaf-69	96	20	model	model	NOUN
gujaf-69	96	21	.	.	PUNCT
gujaf-69	97	1	structural	structural	ADJ
gujaf-69	97	2	equation	equation	NOUN
gujaf-69	97	3	modeling	modeling	NOUN
gujaf-69	97	4	employs	employ	VERB
gujaf-69	97	5	the	the	DET
gujaf-69	97	6	https://en.wikipedia.org/wiki/adamawa_state	https://en.wikipedia.org/wiki/adamawa_state	NOUN
gujaf-69	97	7	https://en.wikipedia.org/wiki/nigeria	https://en.wikipedia.org/wiki/nigeria	PROPN
gujaf-69	97	8	https://en.wikipedia.org/wiki/benue_river	https://en.wikipedia.org/wiki/benue_river	PROPN
gujaf-69	97	9	gusau	gusau	PROPN
gujaf-69	97	10	journal	journal	PROPN
gujaf-69	97	11	of	of	ADP
gujaf-69	97	12	accounting	accounting	NOUN
gujaf-69	97	13	and	and	CCONJ
gujaf-69	97	14	finance	finance	NOUN
gujaf-69	97	15	,	,	PUNCT
gujaf-69	97	16	vol	vol	NOUN
gujaf-69	97	17	.	.	PROPN
gujaf-69	97	18	2	2	NUM
gujaf-69	97	19	,	,	PUNCT
gujaf-69	97	20	issue	issue	NOUN
gujaf-69	97	21	2	2	NUM
gujaf-69	97	22	,	,	PUNCT
gujaf-69	97	23	april	april	PROPN
gujaf-69	97	24	,	,	PUNCT
gujaf-69	97	25	2021	2021	NUM
gujaf-69	97	26	6	6	NUM
gujaf-69	97	27	combination	combination	NOUN
gujaf-69	97	28	of	of	ADP
gujaf-69	97	29	quantitative	quantitative	ADJ
gujaf-69	97	30	data	datum	NOUN
gujaf-69	97	31	and	and	CCONJ
gujaf-69	97	32	the	the	DET
gujaf-69	97	33	correlation	correlation	NOUN
gujaf-69	97	34	or	or	CCONJ
gujaf-69	97	35	casual	casual	ADJ
gujaf-69	97	36	assumptions	assumption	NOUN
gujaf-69	97	37	into	into	ADP
gujaf-69	97	38	confirmatory	confirmatory	ADJ
gujaf-69	97	39	factor	factor	NOUN
gujaf-69	97	40	analysis	analysis	NOUN
gujaf-69	97	41	for	for	ADP
gujaf-69	97	42	assessing	assess	VERB
gujaf-69	97	43	and	and	CCONJ
gujaf-69	97	44	modifying	modify	VERB
gujaf-69	97	45	the	the	DET
gujaf-69	97	46	measurement	measurement	NOUN
gujaf-69	97	47	models	model	NOUN
gujaf-69	97	48	as	as	ADV
gujaf-69	97	49	well	well	ADV
gujaf-69	97	50	as	as	ADP
gujaf-69	97	51	a	a	DET
gujaf-69	97	52	structural	structural	ADJ
gujaf-69	97	53	model	model	NOUN
gujaf-69	97	54	.	.	PUNCT
gujaf-69	98	1	model	model	NOUN
gujaf-69	98	2	specification	specification	PROPN
gujaf-69	99	1	y	y	PROPN
gujaf-69	99	2	*	*	PUNCT
gujaf-69	100	1	=	=	PUNCT
gujaf-69	100	2	x	x	PUNCT
gujaf-69	100	3	*	*	PUNCT
gujaf-69	100	4	β	β	X
gujaf-69	100	5	*	*	PUNCT
gujaf-69	100	6	+	+	CCONJ
gujaf-69	100	7	ԑ	ԑ	X
gujaf-69	100	8	*	*	PUNCT
gujaf-69	100	9	…	…	PUNCT
gujaf-69	100	10	…	…	PUNCT
gujaf-69	100	11	…	…	PUNCT
gujaf-69	100	12	…	…	PUNCT
gujaf-69	100	13	…	…	PUNCT
gujaf-69	100	14	…	…	PUNCT
gujaf-69	100	15	…	…	PUNCT
gujaf-69	100	16	…	…	PUNCT
gujaf-69	100	17	……	……	NOUN
gujaf-69	100	18	……	……	NOUN
gujaf-69	100	19	……	……	NOUN
gujaf-69	100	20	……	……	NOUN
gujaf-69	100	21	……	……	NOUN
gujaf-69	100	22	……	……	NOUN
gujaf-69	100	23	……	……	NOUN
gujaf-69	100	24	……	……	NOUN
gujaf-69	100	25	1	1	NUM
gujaf-69	100	26	the	the	DET
gujaf-69	100	27	sem	sem	NOUN
gujaf-69	100	28	model	model	NOUN
gujaf-69	100	29	can	can	AUX
gujaf-69	100	30	therefore	therefore	ADV
gujaf-69	100	31	be	be	AUX
gujaf-69	100	32	expressed	express	VERB
gujaf-69	100	33	further	far	ADV
gujaf-69	100	34	as	as	ADP
gujaf-69	100	35	:	:	PUNCT
gujaf-69	100	36	y=	y=	NUM
gujaf-69	100	37	x1β1	x1β1	PUNCT
gujaf-69	101	1	+	+	CCONJ
gujaf-69	101	2	x2β2	x2β2	PUNCT
gujaf-69	101	3	+	+	ADJ
gujaf-69	101	4	x3β3	x3β3	ADJ
gujaf-69	101	5	+	+	ADJ
gujaf-69	101	6	ԑ1	ԑ1	ADJ
gujaf-69	101	7	+	+	CCONJ
gujaf-69	101	8	ԑ2	ԑ2	NOUN
gujaf-69	101	9	+	+	CCONJ
gujaf-69	101	10	ԑ3	ԑ3	NOUN
gujaf-69	101	11	+	+	NOUN
gujaf-69	101	12	…	…	PUNCT
gujaf-69	101	13	…	…	PUNCT
gujaf-69	101	14	…	…	PUNCT
gujaf-69	101	15	…	…	PUNCT
gujaf-69	101	16	…	…	PUNCT
gujaf-69	101	17	…	…	PUNCT
gujaf-69	101	18	…	…	PUNCT
gujaf-69	101	19	…	…	PUNCT
gujaf-69	101	20	…	…	PUNCT
gujaf-69	101	21	…	…	PUNCT
gujaf-69	101	22	…	…	PUNCT
gujaf-69	101	23	…	…	PUNCT
gujaf-69	101	24	…	…	PUNCT
gujaf-69	101	25	…	…	SYM
gujaf-69	101	26	2	2	NUM
gujaf-69	101	27	the	the	DET
gujaf-69	101	28	structural	structural	ADJ
gujaf-69	101	29	equation	equation	NOUN
gujaf-69	101	30	model	model	NOUN
gujaf-69	101	31	(	(	PUNCT
gujaf-69	101	32	sem	sem	NOUN
gujaf-69	101	33	)	)	PUNCT
gujaf-69	101	34	can	can	AUX
gujaf-69	101	35	also	also	ADV
gujaf-69	101	36	be	be	AUX
gujaf-69	101	37	specified	specify	VERB
gujaf-69	101	38	as	as	ADP
gujaf-69	101	39	:	:	PUNCT
gujaf-69	101	40	pfc	pfc	NOUN
gujaf-69	101	41	=	=	PUNCT
gujaf-69	101	42	posβ1	posβ1	X
gujaf-69	102	1	+	+	PUNCT
gujaf-69	103	1	mbkβ2	mbkβ2	NOUN
gujaf-69	103	2	+	+	ADJ
gujaf-69	103	3	clhβ3	clhβ3	NOUN
gujaf-69	103	4	+	+	CCONJ
gujaf-69	103	5	ԑ1	ԑ1	ADJ
gujaf-69	103	6	+	+	CCONJ
gujaf-69	103	7	ԑ2	ԑ2	NOUN
gujaf-69	103	8	+	+	CCONJ
gujaf-69	103	9	ԑ3	ԑ3	NOUN
gujaf-69	103	10	+	+	NOUN
gujaf-69	103	11	…	…	PUNCT
gujaf-69	103	12	…	…	PUNCT
gujaf-69	103	13	…	…	PUNCT
gujaf-69	103	14	…	…	PUNCT
gujaf-69	103	15	…	…	PUNCT
gujaf-69	103	16	…	…	PUNCT
gujaf-69	103	17	…	…	PUNCT
gujaf-69	103	18	…	…	PUNCT
gujaf-69	103	19	…	…	PUNCT
gujaf-69	103	20	…	…	SYM
gujaf-69	103	21	.3	.3	NUM
gujaf-69	104	1	where	where	SCONJ
gujaf-69	104	2	:	:	PUNCT
gujaf-69	104	3	y	y	PROPN
gujaf-69	104	4	*	*	PUNCT
gujaf-69	104	5	=	=	NOUN
gujaf-69	105	1	performance	performance	NOUN
gujaf-69	105	2	of	of	ADP
gujaf-69	105	3	commercial	commercial	ADJ
gujaf-69	105	4	activities(i.e	activities(i.e	NOUN
gujaf-69	105	5	.	.	PUNCT
gujaf-69	106	1	dependent	dependent	ADJ
gujaf-69	106	2	variables	variable	NOUN
gujaf-69	106	3	,	,	PUNCT
gujaf-69	106	4	which	which	PRON
gujaf-69	106	5	include	include	VERB
gujaf-69	106	6	,	,	PUNCT
gujaf-69	106	7	pft	pft	NOUN
gujaf-69	106	8	,	,	PUNCT
gujaf-69	106	9	pri	pri	NOUN
gujaf-69	106	10	,	,	PUNCT
gujaf-69	106	11	slv	slv	NOUN
gujaf-69	106	12	,	,	PUNCT
gujaf-69	106	13	cmpt	cmpt	NOUN
gujaf-69	106	14	,	,	PUNCT
gujaf-69	106	15	cstr	cstr	NOUN
gujaf-69	106	16	)	)	PUNCT
gujaf-69	106	17	x	x	X
gujaf-69	107	1	*	*	PUNCT
gujaf-69	107	2	=	=	PUNCT
gujaf-69	107	3	e	e	NOUN
gujaf-69	107	4	-	-	NOUN
gujaf-69	107	5	payment	payment	NOUN
gujaf-69	107	6	(	(	PUNCT
gujaf-69	107	7	i.e.	i.e.	X
gujaf-69	107	8	independent	independent	ADJ
gujaf-69	107	9	variable	variable	ADJ
gujaf-69	107	10	proxy	proxy	NOUN
gujaf-69	107	11	by	by	ADP
gujaf-69	107	12	pos	pos	PROPN
gujaf-69	107	13	,	,	PUNCT
gujaf-69	107	14	mbk	mbk	PROPN
gujaf-69	107	15	,	,	PUNCT
gujaf-69	107	16	chlg	chlg	PROPN
gujaf-69	107	17	)	)	PUNCT
gujaf-69	107	18	β	β	X
gujaf-69	108	1	*	*	PUNCT
gujaf-69	108	2	=	=	PUNCT
gujaf-69	108	3	β1	β1	PROPN
gujaf-69	108	4	,	,	PUNCT
gujaf-69	108	5	β2	β2	NOUN
gujaf-69	108	6	,	,	PUNCT
gujaf-69	108	7	β3	β3	VERB
gujaf-69	108	8	,	,	PUNCT
gujaf-69	108	9	(	(	PUNCT
gujaf-69	108	10	parameter	parameter	NOUN
gujaf-69	108	11	estimates	estimate	NOUN
gujaf-69	108	12	)	)	PUNCT
gujaf-69	108	13	ԑ	ԑ	X
gujaf-69	108	14	*	*	PUNCT
gujaf-69	108	15	=	=	SYM
gujaf-69	108	16	ԑ1	ԑ1	PROPN
gujaf-69	108	17	,	,	PUNCT
gujaf-69	108	18	ԑ2	ԑ2	NOUN
gujaf-69	108	19	,	,	PUNCT
gujaf-69	108	20	ԑ3	ԑ3	NOUN
gujaf-69	108	21	,	,	PUNCT
gujaf-69	108	22	ԑ	ԑ	X
gujaf-69	108	23	(	(	PUNCT
gujaf-69	108	24	error	error	NOUN
gujaf-69	108	25	terms	term	NOUN
gujaf-69	108	26	)	)	PUNCT
gujaf-69	108	27	pft	pft	NOUN
gujaf-69	108	28	=	=	NOUN
gujaf-69	108	29	profitability	profitability	NOUN
gujaf-69	108	30	,	,	PUNCT
gujaf-69	108	31	pri	pri	NOUN
gujaf-69	108	32	=	=	PUNCT
gujaf-69	108	33	prices	price	NOUN
gujaf-69	108	34	,	,	PUNCT
gujaf-69	108	35	slv	slv	NOUN
gujaf-69	108	36	=	=	SYM
gujaf-69	108	37	sales	sale	NOUN
gujaf-69	108	38	volume	volume	NOUN
gujaf-69	108	39	,	,	PUNCT
gujaf-69	108	40	cstr	cstr	NOUN
gujaf-69	108	41	=	=	SYM
gujaf-69	108	42	customer	customer	NOUN
gujaf-69	108	43	relation	relation	NOUN
gujaf-69	108	44	,	,	PUNCT
gujaf-69	108	45	cmpt=	cmpt=	ADJ
gujaf-69	108	46	competitors	competitor	NOUN
gujaf-69	108	47	,	,	PUNCT
gujaf-69	108	48	pos	pos	NOUN
gujaf-69	108	49	=	=	NOUN
gujaf-69	108	50	point	point	NOUN
gujaf-69	108	51	of	of	ADP
gujaf-69	108	52	sale	sale	NOUN
gujaf-69	108	53	,	,	PUNCT
gujaf-69	108	54	mbk	mbk	PROPN
gujaf-69	108	55	=	=	SYM
gujaf-69	108	56	mobile	mobile	ADJ
gujaf-69	108	57	banking	banking	NOUN
gujaf-69	108	58	,	,	PUNCT
gujaf-69	108	59	chl=	chl=	VERB
gujaf-69	108	60	challenges	challenge	NOUN
gujaf-69	108	61	of	of	ADP
gujaf-69	108	62	e	e	NOUN
gujaf-69	108	63	-	-	NOUN
gujaf-69	108	64	payments	payment	NOUN
gujaf-69	108	65	4	4	NUM
gujaf-69	108	66	.	.	NOUN
gujaf-69	108	67	results	result	NOUN
gujaf-69	108	68	and	and	CCONJ
gujaf-69	108	69	discussion	discussion	NOUN
gujaf-69	108	70	4.1	4.1	NUM
gujaf-69	108	71	.	.	PUNCT
gujaf-69	108	72	normality	normality	NOUN
gujaf-69	108	73	test	test	NOUN
gujaf-69	108	74	and	and	CCONJ
gujaf-69	108	75	assumption	assumption	NOUN
gujaf-69	108	76	the	the	DET
gujaf-69	108	77	normality	normality	NOUN
gujaf-69	108	78	assumption	assumption	NOUN
gujaf-69	108	79	is	be	AUX
gujaf-69	108	80	one	one	NUM
gujaf-69	108	81	of	of	ADP
gujaf-69	108	82	the	the	DET
gujaf-69	108	83	fundamental	fundamental	ADJ
gujaf-69	108	84	assumptions	assumption	NOUN
gujaf-69	108	85	in	in	ADP
gujaf-69	108	86	multivariate	multivariate	NOUN
gujaf-69	108	87	analysis	analysis	NOUN
gujaf-69	108	88	which	which	PRON
gujaf-69	108	89	is	be	AUX
gujaf-69	108	90	characterized	characterize	VERB
gujaf-69	108	91	by	by	ADP
gujaf-69	108	92	the	the	DET
gujaf-69	108	93	assumption	assumption	NOUN
gujaf-69	108	94	that	that	SCONJ
gujaf-69	108	95	the	the	DET
gujaf-69	108	96	data	data	NOUN
gujaf-69	108	97	distribution	distribution	NOUN
gujaf-69	108	98	in	in	ADP
gujaf-69	108	99	each	each	DET
gujaf-69	108	100	item	item	NOUN
gujaf-69	108	101	and	and	CCONJ
gujaf-69	108	102	in	in	ADP
gujaf-69	108	103	all	all	DET
gujaf-69	108	104	linear	linear	ADJ
gujaf-69	108	105	combination	combination	NOUN
gujaf-69	108	106	of	of	ADP
gujaf-69	108	107	items	item	NOUN
gujaf-69	108	108	is	be	AUX
gujaf-69	108	109	normally	normally	ADV
gujaf-69	108	110	distributed	distribute	VERB
gujaf-69	108	111	(	(	PUNCT
gujaf-69	108	112	hair	hair	NOUN
gujaf-69	108	113	,	,	PUNCT
gujaf-69	108	114	2006	2006	NUM
gujaf-69	108	115	)	)	PUNCT
gujaf-69	108	116	.	.	PUNCT
gujaf-69	109	1	it	it	PRON
gujaf-69	109	2	assumed	assume	VERB
gujaf-69	109	3	that	that	SCONJ
gujaf-69	109	4	if	if	SCONJ
gujaf-69	109	5	the	the	DET
gujaf-69	109	6	variation	variation	NOUN
gujaf-69	109	7	from	from	ADP
gujaf-69	109	8	the	the	DET
gujaf-69	109	9	normal	normal	ADJ
gujaf-69	109	10	distribution	distribution	NOUN
gujaf-69	109	11	happens	happen	VERB
gujaf-69	109	12	to	to	PART
gujaf-69	109	13	be	be	AUX
gujaf-69	109	14	large	large	ADJ
gujaf-69	109	15	,	,	PUNCT
gujaf-69	109	16	all	all	DET
gujaf-69	109	17	resulting	result	VERB
gujaf-69	109	18	statistical	statistical	ADJ
gujaf-69	109	19	test	test	NOUN
gujaf-69	109	20	are	be	AUX
gujaf-69	109	21	invalid	invalid	ADJ
gujaf-69	109	22	.	.	PUNCT
gujaf-69	110	1	the	the	DET
gujaf-69	110	2	study	study	NOUN
gujaf-69	110	3	revealed	reveal	VERB
gujaf-69	110	4	that	that	SCONJ
gujaf-69	110	5	kurtosis	kurtosis	VERB
gujaf-69	110	6	values	value	NOUN
gujaf-69	110	7	for	for	ADP
gujaf-69	110	8	all	all	DET
gujaf-69	110	9	the	the	DET
gujaf-69	110	10	latent	latent	NOUN
gujaf-69	110	11	constructs	construct	NOUN
gujaf-69	110	12	and	and	CCONJ
gujaf-69	110	13	measured	measure	VERB
gujaf-69	110	14	variables	variable	NOUN
gujaf-69	110	15	in	in	ADP
gujaf-69	110	16	table	table	NOUN
gujaf-69	110	17	4.3.1	4.3.1	NUM
gujaf-69	110	18	,	,	PUNCT
gujaf-69	110	19	were	be	AUX
gujaf-69	110	20	<	<	X
gujaf-69	110	21	1.5	1.5	NUM
gujaf-69	110	22	.	.	PUNCT
gujaf-69	111	1	this	this	PRON
gujaf-69	111	2	is	be	AUX
gujaf-69	111	3	indicated	indicate	VERB
gujaf-69	111	4	by	by	ADP
gujaf-69	111	5	the	the	DET
gujaf-69	111	6	kurtosis	kurtosis	NOUN
gujaf-69	111	7	for	for	ADP
gujaf-69	111	8	all	all	DET
gujaf-69	111	9	items	item	NOUN
gujaf-69	111	10	which	which	PRON
gujaf-69	111	11	ranges	range	VERB
gujaf-69	111	12	from	from	ADP
gujaf-69	111	13	maximum	maximum	NOUN
gujaf-69	111	14	of	of	ADP
gujaf-69	111	15	1.372	1.372	NUM
gujaf-69	111	16	to	to	ADP
gujaf-69	111	17	minimum	minimum	NOUN
gujaf-69	111	18	of	of	ADP
gujaf-69	111	19	0.102	0.102	NUM
gujaf-69	111	20	which	which	PRON
gujaf-69	111	21	all	all	PRON
gujaf-69	111	22	falls	fall	VERB
gujaf-69	111	23	within	within	ADP
gujaf-69	111	24	the	the	DET
gujaf-69	111	25	values	value	NOUN
gujaf-69	111	26	of	of	ADP
gujaf-69	111	27	less	less	ADJ
gujaf-69	111	28	than	than	ADP
gujaf-69	111	29	1.5	1.5	NUM
gujaf-69	111	30	.	.	PUNCT
gujaf-69	112	1	also	also	ADV
gujaf-69	112	2	,	,	PUNCT
gujaf-69	112	3	multivariate	multivariate	NOUN
gujaf-69	112	4	kurtosis	kurtosis	NOUN
gujaf-69	112	5	=	=	PUNCT
gujaf-69	112	6	46.34	46.34	NUM
gujaf-69	112	7	implies	imply	VERB
gujaf-69	112	8	that	that	SCONJ
gujaf-69	112	9	the	the	DET
gujaf-69	112	10	sample	sample	NOUN
gujaf-69	112	11	is	be	AUX
gujaf-69	112	12	normally	normally	ADV
gujaf-69	112	13	distributed	distribute	VERB
gujaf-69	112	14	because	because	SCONJ
gujaf-69	112	15	is	be	AUX
gujaf-69	112	16	less	less	ADJ
gujaf-69	112	17	than	than	ADP
gujaf-69	112	18	50	50	NUM
gujaf-69	112	19	as	as	SCONJ
gujaf-69	112	20	recommended	recommend	VERB
gujaf-69	112	21	by	by	ADP
gujaf-69	112	22	zainudin	zainudin	PROPN
gujaf-69	112	23	(	(	PUNCT
gujaf-69	112	24	2012	2012	NUM
gujaf-69	112	25	)	)	PUNCT
gujaf-69	112	26	.	.	PUNCT
gujaf-69	113	1	on	on	ADP
gujaf-69	113	2	the	the	DET
gujaf-69	113	3	other	other	ADJ
gujaf-69	113	4	hand	hand	NOUN
gujaf-69	113	5	,	,	PUNCT
gujaf-69	113	6	skewness	skewness	NOUN
gujaf-69	113	7	should	should	AUX
gujaf-69	113	8	be	be	AUX
gujaf-69	113	9	within	within	ADP
gujaf-69	113	10	the	the	DET
gujaf-69	113	11	range	range	NOUN
gujaf-69	113	12	of	of	ADP
gujaf-69	113	13	-1.0	-1.0	PROPN
gujaf-69	113	14	to	to	ADP
gujaf-69	113	15	1.0	1.0	NUM
gujaf-69	113	16	to	to	PART
gujaf-69	113	17	indicate	indicate	VERB
gujaf-69	113	18	normal	normal	ADJ
gujaf-69	113	19	distribution	distribution	NOUN
gujaf-69	113	20	however	however	ADV
gujaf-69	113	21	,	,	PUNCT
gujaf-69	113	22	from	from	ADP
gujaf-69	113	23	table	table	NOUN
gujaf-69	113	24	4.2.1	4.2.1	NUM
gujaf-69	113	25	in	in	ADP
gujaf-69	113	26	apendix1	apendix1	NOUN
gujaf-69	113	27	.	.	PUNCT
gujaf-69	114	1	the	the	DET
gujaf-69	114	2	result	result	NOUN
gujaf-69	114	3	reveals	reveal	VERB
gujaf-69	114	4	that	that	SCONJ
gujaf-69	114	5	all	all	DET
gujaf-69	114	6	the	the	DET
gujaf-69	114	7	latent	latent	NOUN
gujaf-69	114	8	constructs	construct	NOUN
gujaf-69	114	9	satisfied	satisfy	VERB
gujaf-69	114	10	all	all	DET
gujaf-69	114	11	the	the	DET
gujaf-69	114	12	conditions	condition	NOUN
gujaf-69	114	13	for	for	ADP
gujaf-69	114	14	normality	normality	NOUN
gujaf-69	114	15	,	,	PUNCT
gujaf-69	114	16	because	because	SCONJ
gujaf-69	114	17	none	none	NOUN
gujaf-69	114	18	of	of	ADP
gujaf-69	114	19	the	the	DET
gujaf-69	114	20	skewness	skewness	NOUN
gujaf-69	114	21	values	value	NOUN
gujaf-69	114	22	is	be	AUX
gujaf-69	114	23	greater	great	ADJ
gujaf-69	114	24	than	than	ADP
gujaf-69	114	25	+1.0	+1.0	PROPN
gujaf-69	114	26	or	or	CCONJ
gujaf-69	114	27	less	less	ADJ
gujaf-69	114	28	than	than	ADP
gujaf-69	114	29	-1.0	-1.0	PROPN
gujaf-69	114	30	.	.	PUNCT
gujaf-69	115	1	hence	hence	ADV
gujaf-69	115	2	,	,	PUNCT
gujaf-69	115	3	the	the	DET
gujaf-69	115	4	data	datum	NOUN
gujaf-69	115	5	are	be	AUX
gujaf-69	115	6	normally	normally	ADV
gujaf-69	115	7	distributed	distribute	VERB
gujaf-69	115	8	.	.	PUNCT
gujaf-69	116	1	4.2	4.2	NUM
gujaf-69	116	2	.	.	PUNCT
gujaf-69	116	3	model	model	PROPN
gujaf-69	116	4	measurement	measurement	NOUN
gujaf-69	116	5	for	for	ADP
gujaf-69	116	6	the	the	DET
gujaf-69	116	7	purpose	purpose	NOUN
gujaf-69	116	8	of	of	ADP
gujaf-69	116	9	this	this	DET
gujaf-69	116	10	study	study	NOUN
gujaf-69	116	11	point	point	NOUN
gujaf-69	116	12	of	of	ADP
gujaf-69	116	13	sale	sale	NOUN
gujaf-69	116	14	(	(	PUNCT
gujaf-69	116	15	pos	pos	NOUN
gujaf-69	116	16	)	)	PUNCT
gujaf-69	116	17	,	,	PUNCT
gujaf-69	116	18	mobile	mobile	ADJ
gujaf-69	116	19	banking	banking	NOUN
gujaf-69	116	20	(	(	PUNCT
gujaf-69	116	21	mbk	mbk	PROPN
gujaf-69	116	22	)	)	PUNCT
gujaf-69	116	23	,	,	PUNCT
gujaf-69	116	24	and	and	CCONJ
gujaf-69	116	25	challenges	challenge	NOUN
gujaf-69	116	26	of	of	ADP
gujaf-69	116	27	epayment	epayment	NOUN
gujaf-69	116	28	(	(	PUNCT
gujaf-69	116	29	pos	pos	NOUN
gujaf-69	116	30	)	)	PUNCT
gujaf-69	116	31	were	be	AUX
gujaf-69	116	32	used	use	VERB
gujaf-69	116	33	as	as	ADP
gujaf-69	116	34	independent	independent	ADJ
gujaf-69	116	35	variables	variable	NOUN
gujaf-69	116	36	.	.	PUNCT
gujaf-69	117	1	while	while	SCONJ
gujaf-69	117	2	the	the	DET
gujaf-69	117	3	performance	performance	NOUN
gujaf-69	117	4	of	of	ADP
gujaf-69	117	5	commercial	commercial	ADJ
gujaf-69	117	6	activities	activity	NOUN
gujaf-69	117	7	in	in	ADP
gujaf-69	117	8	yola	yola	PROPN
gujaf-69	117	9	metropolis	metropolis	PROPN
gujaf-69	117	10	(	(	PUNCT
gujaf-69	117	11	pfc	pfc	NOUN
gujaf-69	117	12	)	)	PUNCT
gujaf-69	117	13	is	be	AUX
gujaf-69	117	14	dependent	dependent	ADJ
gujaf-69	117	15	variable	variable	NOUN
gujaf-69	117	16	.	.	PUNCT
gujaf-69	118	1	thus	thus	ADV
gujaf-69	118	2	,	,	PUNCT
gujaf-69	118	3	six	six	NUM
gujaf-69	118	4	(	(	PUNCT
gujaf-69	118	5	6	6	NUM
gujaf-69	118	6	)	)	PUNCT
gujaf-69	118	7	,	,	PUNCT
gujaf-69	118	8	six	six	NUM
gujaf-69	118	9	(	(	PUNCT
gujaf-69	118	10	6	6	NUM
gujaf-69	118	11	)	)	PUNCT
gujaf-69	118	12	,	,	PUNCT
gujaf-69	118	13	five	five	NUM
gujaf-69	118	14	(	(	PUNCT
gujaf-69	118	15	5	5	NUM
gujaf-69	118	16	)	)	PUNCT
gujaf-69	118	17	and	and	CCONJ
gujaf-69	118	18	five	five	NUM
gujaf-69	118	19	(	(	PUNCT
gujaf-69	118	20	5	5	NUM
gujaf-69	118	21	)	)	PUNCT
gujaf-69	118	22	relevant	relevant	ADJ
gujaf-69	118	23	questions	question	NOUN
gujaf-69	118	24	were	be	AUX
gujaf-69	118	25	theoretically	theoretically	ADV
gujaf-69	118	26	raised	raise	VERB
gujaf-69	118	27	as	as	ADP
gujaf-69	118	28	a	a	DET
gujaf-69	118	29	latent	latent	NOUN
gujaf-69	118	30	construct	construct	NOUN
gujaf-69	118	31	of	of	ADP
gujaf-69	118	32	the	the	DET
gujaf-69	118	33	point	point	NOUN
gujaf-69	118	34	of	of	ADP
gujaf-69	118	35	sale	sale	NOUN
gujaf-69	118	36	(	(	PUNCT
gujaf-69	118	37	pos	pos	NOUN
gujaf-69	118	38	)	)	PUNCT
gujaf-69	118	39	,	,	PUNCT
gujaf-69	118	40	mobile	mobile	ADJ
gujaf-69	118	41	banking	banking	NOUN
gujaf-69	118	42	(	(	PUNCT
gujaf-69	118	43	mbk	mbk	PROPN
gujaf-69	118	44	)	)	PUNCT
gujaf-69	118	45	,	,	PUNCT
gujaf-69	118	46	and	and	CCONJ
gujaf-69	118	47	challenges	challenge	NOUN
gujaf-69	118	48	of	of	ADP
gujaf-69	118	49	e	e	NOUN
gujaf-69	118	50	-	-	NOUN
gujaf-69	118	51	payment	payment	ADJ
gujaf-69	118	52	(	(	PUNCT
gujaf-69	118	53	chl	chl	PROPN
gujaf-69	118	54	)	)	PUNCT
gujaf-69	118	55	and	and	CCONJ
gujaf-69	118	56	performance	performance	NOUN
gujaf-69	118	57	of	of	ADP
gujaf-69	118	58	commercial	commercial	ADJ
gujaf-69	118	59	activities	activity	NOUN
gujaf-69	118	60	(	(	PUNCT
gujaf-69	118	61	pfc	pfc	NOUN
gujaf-69	118	62	)	)	PUNCT
gujaf-69	118	63	.	.	PUNCT
gujaf-69	119	1	however	however	ADV
gujaf-69	119	2	,	,	PUNCT
gujaf-69	119	3	the	the	DET
gujaf-69	119	4	latent	latent	NOUN
gujaf-69	119	5	constructs	construct	VERB
gujaf-69	119	6	satisfied	satisfy	VERB
gujaf-69	119	7	the	the	DET
gujaf-69	119	8	series	series	NOUN
gujaf-69	119	9	of	of	ADP
gujaf-69	119	10	pre	pre	ADJ
gujaf-69	119	11	estimation	estimation	NOUN
gujaf-69	119	12	test	test	NOUN
gujaf-69	119	13	such	such	ADJ
gujaf-69	119	14	as	as	ADP
gujaf-69	119	15	model	model	NOUN
gujaf-69	119	16	fitness	fitness	NOUN
gujaf-69	119	17	,	,	PUNCT
gujaf-69	119	18	reliability	reliability	NOUN
gujaf-69	119	19	and	and	CCONJ
gujaf-69	119	20	validity	validity	NOUN
gujaf-69	119	21	as	as	SCONJ
gujaf-69	119	22	shown	show	VERB
gujaf-69	119	23	in	in	ADP
gujaf-69	119	24	table	table	NOUN
gujaf-69	119	25	4.1	4.1	NUM
gujaf-69	119	26	,	,	PUNCT
gujaf-69	119	27	and	and	CCONJ
gujaf-69	119	28	from	from	ADP
gujaf-69	119	29	appendix	appendix	ADJ
gujaf-69	119	30	1	1	NUM
gujaf-69	119	31	,	,	PUNCT
gujaf-69	119	32	and	and	CCONJ
gujaf-69	119	33	4.2	4.2	NUM
gujaf-69	119	34	.	.	PUNCT
gujaf-69	120	1	gusau	gusau	PROPN
gujaf-69	120	2	journal	journal	PROPN
gujaf-69	120	3	of	of	ADP
gujaf-69	120	4	accounting	accounting	NOUN
gujaf-69	120	5	and	and	CCONJ
gujaf-69	120	6	finance	finance	NOUN
gujaf-69	120	7	,	,	PUNCT
gujaf-69	120	8	vol	vol	NOUN
gujaf-69	120	9	.	.	PROPN
gujaf-69	120	10	2	2	NUM
gujaf-69	120	11	,	,	PUNCT
gujaf-69	120	12	issue	issue	NOUN
gujaf-69	120	13	2	2	NUM
gujaf-69	120	14	,	,	PUNCT
gujaf-69	120	15	april	april	PROPN
gujaf-69	120	16	,	,	PUNCT
gujaf-69	120	17	2021	2021	NUM
gujaf-69	120	18	7	7	NUM
gujaf-69	120	19	below	below	ADV
gujaf-69	120	20	,	,	PUNCT
gujaf-69	120	21	the	the	DET
gujaf-69	120	22	entire	entire	ADJ
gujaf-69	120	23	factor	factor	NOUN
gujaf-69	120	24	loadings	loading	NOUN
gujaf-69	120	25	are	be	AUX
gujaf-69	120	26	significantly	significantly	ADV
gujaf-69	120	27	higher	high	ADJ
gujaf-69	120	28	than	than	ADP
gujaf-69	120	29	0.5	0.5	NUM
gujaf-69	120	30	.	.	PUNCT
gujaf-69	121	1	this	this	PRON
gujaf-69	121	2	shows	show	VERB
gujaf-69	121	3	that	that	SCONJ
gujaf-69	121	4	all	all	DET
gujaf-69	121	5	the	the	DET
gujaf-69	121	6	factor	factor	NOUN
gujaf-69	121	7	loadings	loading	NOUN
gujaf-69	121	8	fall	fall	VERB
gujaf-69	121	9	within	within	ADP
gujaf-69	121	10	the	the	DET
gujaf-69	121	11	acceptance	acceptance	NOUN
gujaf-69	121	12	range	range	NOUN
gujaf-69	121	13	based	base	VERB
gujaf-69	121	14	on	on	ADP
gujaf-69	121	15	the	the	DET
gujaf-69	121	16	decision	decision	NOUN
gujaf-69	121	17	rule	rule	NOUN
gujaf-69	121	18	.	.	PUNCT
gujaf-69	122	1	table	table	NOUN
gujaf-69	122	2	1	1	NUM
gujaf-69	122	3	:	:	PUNCT
gujaf-69	122	4	individual	individual	ADJ
gujaf-69	122	5	confirmatory	confirmatory	NOUN
gujaf-69	122	6	factor	factor	NOUN
gujaf-69	122	7	analysis	analysis	NOUN
gujaf-69	122	8	cfa	cfa	PROPN
gujaf-69	122	9	(	(	PUNCT
gujaf-69	122	10	model	model	PROPN
gujaf-69	122	11	fit	fit	PROPN
gujaf-69	122	12	)	)	PUNCT
gujaf-69	122	13	and	and	CCONJ
gujaf-69	122	14	reliability	reliability	NOUN
gujaf-69	122	15	test	test	NOUN
gujaf-69	122	16	variables	variable	VERB
gujaf-69	122	17	rmsea	rmsea	NOUN
gujaf-69	122	18	gfi	gfi	PROPN
gujaf-69	122	19	agfi	agfi	NOUN
gujaf-69	122	20	cfi	cfi	PROPN
gujaf-69	122	21	tli	tli	PROPN
gujaf-69	122	22	nfi	nfi	PROPN
gujaf-69	122	23	chisq	chisq	PROPN
gujaf-69	122	24	/	/	SYM
gujaf-69	122	25	df	df	PROPN
gujaf-69	122	26	pv	pv	NOUN
gujaf-69	122	27	cronbach	cronbach	PROPN
gujaf-69	122	28	's	's	PART
gujaf-69	122	29	alpha	alpha	NOUN
gujaf-69	122	30	performance	performance	NOUN
gujaf-69	122	31	of	of	ADP
gujaf-69	122	32	commercial	commercial	ADJ
gujaf-69	122	33	activities	activity	NOUN
gujaf-69	122	34	0.047	0.047	NUM
gujaf-69	122	35	0.991	0.991	NUM
gujaf-69	122	36	0.942	0.942	NUM
gujaf-69	122	37	0.966	0.966	NUM
gujaf-69	122	38	0.968	0.968	NUM
gujaf-69	122	39	0.999	0.999	NUM
gujaf-69	122	40	2.352	2.352	NUM
gujaf-69	122	41	0.001	0.001	NUM
gujaf-69	122	42	0.712	0.712	NUM
gujaf-69	122	43	point	point	NOUN
gujaf-69	122	44	of	of	ADP
gujaf-69	122	45	sale	sale	NOUN
gujaf-69	122	46	0.050	0.050	NUM
gujaf-69	122	47	0.941	0.941	NUM
gujaf-69	122	48	0.917	0.917	NUM
gujaf-69	122	49	0.952	0.952	NUM
gujaf-69	122	50	0.910	0.910	NUM
gujaf-69	122	51	0.913	0.913	NUM
gujaf-69	122	52	3.651	3.651	NUM
gujaf-69	122	53	0.003	0.003	NUM
gujaf-69	122	54	0.720	0.720	NUM
gujaf-69	122	55	mobile	mobile	ADJ
gujaf-69	122	56	banking	banking	NOUN
gujaf-69	122	57	0.051	0.051	NUM
gujaf-69	122	58	0.959	0.959	NUM
gujaf-69	122	59	0.907	0.907	NUM
gujaf-69	122	60	0.902	0.902	NUM
gujaf-69	122	61	0.994	0.994	NUM
gujaf-69	122	62	0.989	0.989	NUM
gujaf-69	122	63	2.302	2.302	NUM
gujaf-69	122	64	0.000	0.000	NUM
gujaf-69	122	65	0	0	NUM
gujaf-69	122	66	.	.	PUNCT
gujaf-69	123	1	772	772	NUM
gujaf-69	123	2	challenges	challenge	NOUN
gujaf-69	123	3	of	of	ADP
gujaf-69	123	4	e	e	NOUN
gujaf-69	123	5	-	-	NOUN
gujaf-69	123	6	payment	payment	NOUN
gujaf-69	123	7	0.064	0.064	NUM
gujaf-69	123	8	0.987	0.987	NUM
gujaf-69	123	9	0.905	0.905	NUM
gujaf-69	123	10	0.911	0.911	NUM
gujaf-69	123	11	0.948	0.948	NUM
gujaf-69	123	12	0.919	0.919	NUM
gujaf-69	123	13	2.569	2.569	NUM
gujaf-69	123	14	0.002	0.002	NUM
gujaf-69	123	15	0.770	0.770	NUM
gujaf-69	123	16	source	source	NOUN
gujaf-69	123	17	:	:	PUNCT
gujaf-69	123	18	author	author	NOUN
gujaf-69	123	19	’s	’s	PART
gujaf-69	123	20	computation	computation	NOUN
gujaf-69	123	21	,	,	PUNCT
gujaf-69	123	22	2021	2021	NUM
gujaf-69	123	23	table	table	NOUN
gujaf-69	123	24	1	1	NUM
gujaf-69	123	25	reports	report	VERB
gujaf-69	123	26	the	the	DET
gujaf-69	123	27	results	result	NOUN
gujaf-69	123	28	that	that	PRON
gujaf-69	123	29	are	be	AUX
gujaf-69	123	30	obtained	obtain	VERB
gujaf-69	123	31	through	through	ADP
gujaf-69	123	32	confirmatory	confirmatory	ADJ
gujaf-69	123	33	factor	factor	NOUN
gujaf-69	123	34	analysis	analysis	NOUN
gujaf-69	123	35	(	(	PUNCT
gujaf-69	123	36	cfa	cfa	NOUN
gujaf-69	123	37	)	)	PUNCT
gujaf-69	123	38	to	to	PART
gujaf-69	123	39	justify	justify	VERB
gujaf-69	123	40	the	the	DET
gujaf-69	123	41	issue	issue	NOUN
gujaf-69	123	42	of	of	ADP
gujaf-69	123	43	validity	validity	NOUN
gujaf-69	123	44	and	and	CCONJ
gujaf-69	123	45	internal	internal	ADJ
gujaf-69	123	46	reliability	reliability	NOUN
gujaf-69	123	47	.	.	PUNCT
gujaf-69	124	1	the	the	DET
gujaf-69	124	2	result	result	NOUN
gujaf-69	124	3	for	for	ADP
gujaf-69	124	4	the	the	DET
gujaf-69	124	5	confirmatory	confirmatory	NOUN
gujaf-69	124	6	factor	factor	NOUN
gujaf-69	124	7	analysis	analysis	NOUN
gujaf-69	124	8	reveal	reveal	VERB
gujaf-69	124	9	a	a	DET
gujaf-69	124	10	good	good	ADJ
gujaf-69	124	11	fit	fit	NOUN
gujaf-69	124	12	for	for	ADP
gujaf-69	124	13	the	the	DET
gujaf-69	124	14	four	four	NUM
gujaf-69	124	15	(	(	PUNCT
gujaf-69	124	16	4	4	NUM
gujaf-69	124	17	)	)	PUNCT
gujaf-69	124	18	model	model	NOUN
gujaf-69	124	19	on	on	ADP
gujaf-69	124	20	the	the	DET
gujaf-69	124	21	basis	basis	NOUN
gujaf-69	124	22	of	of	ADP
gujaf-69	124	23	a	a	DET
gujaf-69	124	24	number	number	NOUN
gujaf-69	124	25	of	of	ADP
gujaf-69	124	26	fit	fit	ADJ
gujaf-69	124	27	statistics	statistic	NOUN
gujaf-69	124	28	.	.	PUNCT
gujaf-69	125	1	the	the	DET
gujaf-69	125	2	table	table	NOUN
gujaf-69	125	3	shows	show	VERB
gujaf-69	125	4	that	that	SCONJ
gujaf-69	125	5	the	the	DET
gujaf-69	125	6	models	model	NOUN
gujaf-69	125	7	has	have	VERB
gujaf-69	125	8	a	a	DET
gujaf-69	125	9	good	good	ADJ
gujaf-69	125	10	fit	fit	NOUN
gujaf-69	125	11	:	:	PUNCT
gujaf-69	125	12	the	the	DET
gujaf-69	125	13	ratio	ratio	NOUN
gujaf-69	125	14	of	of	ADP
gujaf-69	125	15	chi	chi	NOUN
gujaf-69	125	16	-	-	PUNCT
gujaf-69	125	17	square	square	NOUN
gujaf-69	125	18	to	to	ADP
gujaf-69	125	19	degree	degree	NOUN
gujaf-69	125	20	of	of	ADP
gujaf-69	125	21	freedom	freedom	NOUN
gujaf-69	125	22	,	,	PUNCT
gujaf-69	125	23	root	root	NOUN
gujaf-69	125	24	mean	mean	VERB
gujaf-69	125	25	square	square	ADJ
gujaf-69	125	26	error	error	NOUN
gujaf-69	125	27	of	of	ADP
gujaf-69	125	28	approximation	approximation	NOUN
gujaf-69	125	29	(	(	PUNCT
gujaf-69	125	30	rmsea	rmsea	NOUN
gujaf-69	125	31	)	)	PUNCT
gujaf-69	125	32	,	,	PUNCT
gujaf-69	125	33	the	the	DET
gujaf-69	125	34	adjusted	adjust	VERB
gujaf-69	125	35	goodness	goodness	NOUN
gujaf-69	125	36	-	-	PUNCT
gujaf-69	125	37	of	of	ADP
gujaf-69	125	38	-	-	PUNCT
gujaf-69	125	39	fit	fit	NOUN
gujaf-69	125	40	(	(	PUNCT
gujaf-69	125	41	agfi	agfi	NOUN
gujaf-69	125	42	)	)	PUNCT
gujaf-69	125	43	,	,	PUNCT
gujaf-69	125	44	goodness	goodness	NOUN
gujaf-69	125	45	-	-	PUNCT
gujaf-69	125	46	of	of	ADP
gujaf-69	125	47	-	-	PUNCT
gujaf-69	125	48	fit	fit	ADJ
gujaf-69	125	49	(	(	PUNCT
gujaf-69	125	50	gfi	gfi	PROPN
gujaf-69	125	51	)	)	PUNCT
gujaf-69	125	52	,	,	PUNCT
gujaf-69	125	53	comparative	comparative	ADJ
gujaf-69	125	54	fit	fit	ADJ
gujaf-69	125	55	index	index	NOUN
gujaf-69	125	56	(	(	PUNCT
gujaf-69	125	57	cfi	cfi	PROPN
gujaf-69	125	58	)	)	PUNCT
gujaf-69	125	59	,	,	PUNCT
gujaf-69	125	60	tucker	tucker	PROPN
gujaf-69	125	61	–	–	PUNCT
gujaf-69	125	62	lewis	lewis	PROPN
gujaf-69	125	63	index	index	NOUN
gujaf-69	125	64	and	and	CCONJ
gujaf-69	125	65	normed	normed	ADJ
gujaf-69	125	66	fit	fit	ADJ
gujaf-69	125	67	index(nfi	index(nfi	NOUN
gujaf-69	125	68	)	)	PUNCT
gujaf-69	125	69	all	all	PRON
gujaf-69	125	70	falls	fall	VERB
gujaf-69	125	71	within	within	ADP
gujaf-69	125	72	the	the	DET
gujaf-69	125	73	acceptance	acceptance	NOUN
gujaf-69	125	74	range	range	NOUN
gujaf-69	125	75	.	.	PUNCT
gujaf-69	126	1	the	the	DET
gujaf-69	126	2	cronbach	cronbach	ADJ
gujaf-69	126	3	alpha	alpha	NOUN
gujaf-69	126	4	for	for	ADP
gujaf-69	126	5	pfc	pfc	NOUN
gujaf-69	126	6	,	,	PUNCT
gujaf-69	126	7	pos	pos	PROPN
gujaf-69	126	8	,	,	PUNCT
gujaf-69	126	9	mbk	mbk	PROPN
gujaf-69	126	10	,	,	PUNCT
gujaf-69	126	11	and	and	CCONJ
gujaf-69	126	12	chl	chl	PROPN
gujaf-69	126	13	were	be	AUX
gujaf-69	126	14	0.712	0.712	NUM
gujaf-69	126	15	,	,	PUNCT
gujaf-69	126	16	0.720	0.720	NUM
gujaf-69	126	17	,	,	PUNCT
gujaf-69	126	18	0.772	0.772	NUM
gujaf-69	126	19	and	and	CCONJ
gujaf-69	126	20	0.770	0.770	NUM
gujaf-69	126	21	.	.	PUNCT
gujaf-69	127	1	all	all	DET
gujaf-69	127	2	the	the	DET
gujaf-69	127	3	cronbach	cronbach	ADJ
gujaf-69	127	4	alpha	alpha	NOUN
gujaf-69	127	5	were	be	AUX
gujaf-69	127	6	found	find	VERB
gujaf-69	127	7	to	to	PART
gujaf-69	127	8	be	be	AUX
gujaf-69	127	9	>	>	X
gujaf-69	127	10	0.7	0.7	NUM
gujaf-69	127	11	.	.	PUNCT
gujaf-69	128	1	model	model	PROPN
gujaf-69	128	2	fitness	fitness	NOUN
gujaf-69	128	3	results	result	NOUN
gujaf-69	128	4	were	be	AUX
gujaf-69	128	5	also	also	ADV
gujaf-69	128	6	clearly	clearly	ADV
gujaf-69	128	7	indicated	indicate	VERB
gujaf-69	128	8	in	in	ADP
gujaf-69	128	9	table	table	NOUN
gujaf-69	128	10	4.5	4.5	NUM
gujaf-69	128	11	showing	show	VERB
gujaf-69	128	12	rmsea	rmsea	NOUN
gujaf-69	128	13	of	of	ADP
gujaf-69	128	14	pfc(0.047	pfc(0.047	PROPN
gujaf-69	128	15	)	)	PUNCT
gujaf-69	128	16	,	,	PUNCT
gujaf-69	128	17	pos(0.050	pos(0.050	PROPN
gujaf-69	128	18	)	)	PUNCT
gujaf-69	128	19	,	,	PUNCT
gujaf-69	128	20	mbk	mbk	PROPN
gujaf-69	128	21	,	,	PUNCT
gujaf-69	128	22	(	(	PUNCT
gujaf-69	128	23	0.051),chl(0.064	0.051),chl(0.064	NOUN
gujaf-69	128	24	)	)	PUNCT
gujaf-69	128	25	.	.	PUNCT
gujaf-69	129	1	similarly	similarly	ADV
gujaf-69	129	2	gfi	gfi	PROPN
gujaf-69	129	3	of	of	ADP
gujaf-69	129	4	pfc	pfc	PROPN
gujaf-69	129	5	,	,	PUNCT
gujaf-69	129	6	pos	pos	PROPN
gujaf-69	129	7	mbk	mbk	PROPN
gujaf-69	129	8	chl	chl	PROPN
gujaf-69	129	9	are	be	AUX
gujaf-69	129	10	0.991	0.991	NUM
gujaf-69	129	11	,	,	PUNCT
gujaf-69	129	12	0.941	0.941	NUM
gujaf-69	129	13	,	,	PUNCT
gujaf-69	129	14	0.959	0.959	NUM
gujaf-69	129	15	and	and	CCONJ
gujaf-69	129	16	0.987	0.987	NUM
gujaf-69	129	17	respectively	respectively	ADV
gujaf-69	129	18	.	.	PUNCT
gujaf-69	130	1	while	while	SCONJ
gujaf-69	130	2	the	the	DET
gujaf-69	130	3	agfi	agfi	NOUN
gujaf-69	130	4	for	for	ADP
gujaf-69	130	5	all	all	DET
gujaf-69	130	6	the	the	DET
gujaf-69	130	7	variables	variable	NOUN
gujaf-69	130	8	are	be	AUX
gujaf-69	130	9	0.942	0.942	NUM
gujaf-69	130	10	,	,	PUNCT
gujaf-69	130	11	0.917	0.917	NUM
gujaf-69	130	12	and	and	CCONJ
gujaf-69	130	13	0.907	0.907	NUM
gujaf-69	130	14	and	and	CCONJ
gujaf-69	130	15	0.905respectively	0.905respectively	ADV
gujaf-69	130	16	.	.	PUNCT
gujaf-69	131	1	the	the	DET
gujaf-69	131	2	cfi	cfi	NOUN
gujaf-69	131	3	for	for	ADP
gujaf-69	131	4	all	all	DET
gujaf-69	131	5	the	the	DET
gujaf-69	131	6	variable	variable	NOUN
gujaf-69	131	7	are	be	AUX
gujaf-69	131	8	as	as	SCONJ
gujaf-69	131	9	follows	follow	VERB
gujaf-69	131	10	0.966	0.966	NUM
gujaf-69	131	11	,	,	PUNCT
gujaf-69	131	12	0.932	0.932	NUM
gujaf-69	131	13	,	,	PUNCT
gujaf-69	131	14	0.902	0.902	NUM
gujaf-69	131	15	,	,	PUNCT
gujaf-69	131	16	and	and	CCONJ
gujaf-69	131	17	0.911	0.911	NUM
gujaf-69	131	18	.	.	PUNCT
gujaf-69	132	1	the	the	DET
gujaf-69	132	2	tli	tli	NOUN
gujaf-69	132	3	for	for	ADP
gujaf-69	132	4	the	the	DET
gujaf-69	132	5	all	all	DET
gujaf-69	132	6	variables	variable	NOUN
gujaf-69	132	7	were	be	AUX
gujaf-69	132	8	0.968	0.968	NUM
gujaf-69	132	9	,	,	PUNCT
gujaf-69	132	10	0.910	0.910	NUM
gujaf-69	132	11	,	,	PUNCT
gujaf-69	132	12	0.994	0.994	NUM
gujaf-69	132	13	,	,	PUNCT
gujaf-69	132	14	and	and	CCONJ
gujaf-69	132	15	0.948	0.948	NUM
gujaf-69	132	16	.	.	PUNCT
gujaf-69	133	1	the	the	DET
gujaf-69	133	2	nfi	nfi	PROPN
gujaf-69	133	3	also	also	ADV
gujaf-69	133	4	for	for	ADP
gujaf-69	133	5	the	the	DET
gujaf-69	133	6	variables	variable	NOUN
gujaf-69	133	7	under	under	ADP
gujaf-69	133	8	investigation	investigation	NOUN
gujaf-69	133	9	were	be	AUX
gujaf-69	133	10	0.999	0.999	NUM
gujaf-69	133	11	,	,	PUNCT
gujaf-69	133	12	0.913	0.913	NUM
gujaf-69	133	13	,	,	PUNCT
gujaf-69	133	14	0.989	0.989	NUM
gujaf-69	133	15	and	and	CCONJ
gujaf-69	133	16	0.919	0.919	NUM
gujaf-69	133	17	.	.	PUNCT
gujaf-69	134	1	finally	finally	ADV
gujaf-69	134	2	,	,	PUNCT
gujaf-69	134	3	the	the	DET
gujaf-69	134	4	(	(	PUNCT
gujaf-69	134	5	chisq	chisq	PROPN
gujaf-69	134	6	/	/	SYM
gujaf-69	134	7	df	df	PROPN
gujaf-69	134	8	)	)	PUNCT
gujaf-69	134	9	results	result	NOUN
gujaf-69	134	10	also	also	ADV
gujaf-69	134	11	satisfy	satisfy	VERB
gujaf-69	134	12	the	the	DET
gujaf-69	134	13	requirement	requirement	NOUN
gujaf-69	134	14	of	of	ADP
gujaf-69	134	15	acceptance	acceptance	NOUN
gujaf-69	134	16	level	level	NOUN
gujaf-69	134	17	as	as	SCONJ
gujaf-69	134	18	indicated	indicate	VERB
gujaf-69	134	19	in	in	ADP
gujaf-69	134	20	the	the	DET
gujaf-69	134	21	table	table	NOUN
gujaf-69	134	22	4.1	4.1	NUM
gujaf-69	134	23	.	.	PUNCT
gujaf-69	135	1	the	the	DET
gujaf-69	135	2	results	result	NOUN
gujaf-69	135	3	were	be	AUX
gujaf-69	135	4	2.352	2.352	NUM
gujaf-69	135	5	,	,	PUNCT
gujaf-69	135	6	3.651	3.651	NUM
gujaf-69	135	7	,	,	PUNCT
gujaf-69	135	8	2.302	2.302	NUM
gujaf-69	135	9	and	and	CCONJ
gujaf-69	135	10	2.569	2.569	NUM
gujaf-69	135	11	for	for	ADP
gujaf-69	135	12	all	all	DET
gujaf-69	135	13	variables	variable	NOUN
gujaf-69	135	14	.	.	PUNCT
gujaf-69	136	1	4.3	4.3	NUM
gujaf-69	136	2	.	.	PUNCT
gujaf-69	136	3	structural	structural	ADJ
gujaf-69	136	4	equation	equation	NOUN
gujaf-69	136	5	model	model	NOUN
gujaf-69	136	6	this	this	DET
gujaf-69	136	7	study	study	NOUN
gujaf-69	136	8	adopted	adopt	VERB
gujaf-69	136	9	structural	structural	ADJ
gujaf-69	136	10	equation	equation	NOUN
gujaf-69	136	11	modeling	modeling	NOUN
gujaf-69	136	12	to	to	PART
gujaf-69	136	13	analyse	analyse	VERB
gujaf-69	136	14	the	the	DET
gujaf-69	136	15	effect	effect	NOUN
gujaf-69	136	16	of	of	ADP
gujaf-69	136	17	e	e	NOUN
gujaf-69	136	18	-	-	NOUN
gujaf-69	136	19	payment	payment	NOUN
gujaf-69	136	20	on	on	ADP
gujaf-69	136	21	the	the	DET
gujaf-69	136	22	performance	performance	NOUN
gujaf-69	136	23	of	of	ADP
gujaf-69	136	24	commercial	commercial	ADJ
gujaf-69	136	25	activities	activity	NOUN
gujaf-69	136	26	in	in	ADP
gujaf-69	136	27	yola	yola	PROPN
gujaf-69	136	28	metropolis	metropolis	PROPN
gujaf-69	136	29	of	of	ADP
gujaf-69	136	30	adamawa	adamawa	PROPN
gujaf-69	136	31	.	.	PUNCT
gujaf-69	137	1	thus	thus	ADV
gujaf-69	137	2	,	,	PUNCT
gujaf-69	137	3	the	the	DET
gujaf-69	137	4	analysis	analysis	NOUN
gujaf-69	137	5	of	of	ADP
gujaf-69	137	6	structural	structural	ADJ
gujaf-69	137	7	equation	equation	NOUN
gujaf-69	137	8	modeling	modeling	NOUN
gujaf-69	137	9	using	use	VERB
gujaf-69	137	10	amos	amos	PROPN
gujaf-69	137	11	in	in	ADP
gujaf-69	137	12	figure	figure	NOUN
gujaf-69	137	13	4.1	4.1	NUM
gujaf-69	137	14	,	,	PUNCT
gujaf-69	137	15	reveals	reveal	VERB
gujaf-69	137	16	the	the	DET
gujaf-69	137	17	following	follow	VERB
gujaf-69	137	18	goodness	goodness	NOUN
gujaf-69	137	19	-	-	PUNCT
gujaf-69	137	20	of	of	ADP
gujaf-69	137	21	-	-	PUNCT
gujaf-69	137	22	fit	fit	NOUN
gujaf-69	137	23	indices	index	NOUN
gujaf-69	137	24	;	;	PUNCT
gujaf-69	137	25	chi	chi	X
gujaf-69	137	26	–	–	PUNCT
gujaf-69	137	27	square	square	ADJ
gujaf-69	137	28			NOUN
gujaf-69	137	29	2	2	NUM
gujaf-69	137	30	(	(	PUNCT
gujaf-69	137	31	cmin	cmin	NOUN
gujaf-69	137	32	)	)	PUNCT
gujaf-69	137	33	=	=	SYM
gujaf-69	138	1	365.1671	365.1671	NUM
gujaf-69	138	2	(	(	PUNCT
gujaf-69	138	3	df	df	PROPN
gujaf-69	138	4	=	=	SYM
gujaf-69	138	5	128	128	NUM
gujaf-69	138	6	)	)	PUNCT
gujaf-69	138	7	,	,	PUNCT
gujaf-69	138	8	relative	relative	ADJ
gujaf-69	138	9			NOUN
gujaf-69	138	10	2	2	NUM
gujaf-69	138	11	(	(	PUNCT
gujaf-69	138	12	cmin	cmin	NOUN
gujaf-69	138	13	/	/	SYM
gujaf-69	138	14	df	df	PROPN
gujaf-69	138	15	)	)	PUNCT
gujaf-69	138	16	=	=	PUNCT
gujaf-69	139	1	2.157	2.157	NUM
gujaf-69	139	2	,	,	PUNCT
gujaf-69	139	3	p	p	X
gujaf-69	139	4	=	=	NOUN
gujaf-69	139	5	.000	.000	NUM
gujaf-69	139	6	,	,	PUNCT
gujaf-69	139	7	adjusted	adjust	VERB
gujaf-69	139	8	goodness	goodness	NOUN
gujaf-69	139	9	-	-	PUNCT
gujaf-69	139	10	of	of	ADP
gujaf-69	139	11	-	-	PUNCT
gujaf-69	139	12	fit	fit	NOUN
gujaf-69	139	13	(	(	PUNCT
gujaf-69	139	14	agfi	agfi	NOUN
gujaf-69	139	15	)	)	PUNCT
gujaf-69	139	16	,	,	PUNCT
gujaf-69	139	17	=	=	SYM
gujaf-69	139	18	.872	.872	NUM
gujaf-69	139	19	,	,	PUNCT
gujaf-69	139	20	goodness	goodness	NOUN
gujaf-69	139	21	-	-	PUNCT
gujaf-69	139	22	of	of	ADP
gujaf-69	139	23	-	-	PUNCT
gujaf-69	139	24	fit	fit	ADJ
gujaf-69	139	25	(	(	PUNCT
gujaf-69	139	26	gfi	gfi	PROPN
gujaf-69	139	27	)	)	PUNCT
gujaf-69	139	28	=	=	SYM
gujaf-69	139	29	.912	.912	NUM
gujaf-69	139	30	and	and	CCONJ
gujaf-69	139	31	root	root	NOUN
gujaf-69	139	32	mean	mean	NOUN
gujaf-69	139	33	square	square	ADJ
gujaf-69	139	34	error	error	NOUN
gujaf-69	139	35	of	of	ADP
gujaf-69	139	36	approximation	approximation	NOUN
gujaf-69	139	37	(	(	PUNCT
gujaf-69	139	38	rmsea	rmsea	NOUN
gujaf-69	139	39	)	)	PUNCT
gujaf-69	139	40	=	=	PUNCT
gujaf-69	139	41	.076	.076	NUM
gujaf-69	139	42	.	.	PUNCT
gujaf-69	140	1	according	accord	VERB
gujaf-69	140	2	to	to	ADP
gujaf-69	140	3	hair	hair	NOUN
gujaf-69	140	4	et	et	PROPN
gujaf-69	140	5	al	al	PROPN
gujaf-69	140	6	.	.	PROPN
gujaf-69	140	7	,	,	PUNCT
gujaf-69	140	8	(	(	PUNCT
gujaf-69	140	9	2010	2010	NUM
gujaf-69	140	10	)	)	PUNCT
gujaf-69	140	11	if	if	SCONJ
gujaf-69	140	12	any	any	DET
gujaf-69	140	13	3	3	NUM
gujaf-69	140	14	or	or	CCONJ
gujaf-69	140	15	4	4	NUM
gujaf-69	140	16	of	of	ADP
gujaf-69	140	17	the	the	DET
gujaf-69	140	18	goodness	goodness	NOUN
gujaf-69	140	19	-	-	PUNCT
gujaf-69	140	20	of	of	ADP
gujaf-69	140	21	-	-	PUNCT
gujaf-69	140	22	fit	fit	ADJ
gujaf-69	140	23	indices	index	NOUN
gujaf-69	140	24	are	be	AUX
gujaf-69	140	25	within	within	ADP
gujaf-69	140	26	the	the	DET
gujaf-69	140	27	threshold	threshold	NOUN
gujaf-69	140	28	then	then	ADV
gujaf-69	140	29	the	the	DET
gujaf-69	140	30	entire	entire	ADJ
gujaf-69	140	31	model	model	NOUN
gujaf-69	140	32	is	be	AUX
gujaf-69	140	33	fit	fit	ADJ
gujaf-69	140	34	.	.	PUNCT
gujaf-69	141	1	hence	hence	ADV
gujaf-69	141	2	,	,	PUNCT
gujaf-69	141	3	based	base	VERB
gujaf-69	141	4	on	on	ADP
gujaf-69	141	5	this	this	DET
gujaf-69	141	6	reason	reason	NOUN
gujaf-69	141	7	the	the	DET
gujaf-69	141	8	structural	structural	ADJ
gujaf-69	141	9	equation	equation	NOUN
gujaf-69	141	10	modeling	modeling	NOUN
gujaf-69	141	11	for	for	ADP
gujaf-69	141	12	this	this	DET
gujaf-69	141	13	study	study	NOUN
gujaf-69	141	14	fits	fit	VERB
gujaf-69	141	15	the	the	DET
gujaf-69	141	16	data	datum	NOUN
gujaf-69	141	17	.	.	PUNCT
gujaf-69	142	1	thus	thus	ADV
gujaf-69	142	2	,	,	PUNCT
gujaf-69	142	3	the	the	DET
gujaf-69	142	4	proposed	propose	VERB
gujaf-69	142	5	hypothesis	hypothesis	NOUN
gujaf-69	142	6	h01,2,3	h01,2,3	NUM
gujaf-69	142	7	are	be	AUX
gujaf-69	142	8	retained	retain	VERB
gujaf-69	142	9	.	.	PUNCT
gujaf-69	143	1	therefore	therefore	ADV
gujaf-69	143	2	,	,	PUNCT
gujaf-69	143	3	the	the	DET
gujaf-69	143	4	structural	structural	ADJ
gujaf-69	143	5	equation	equation	NOUN
gujaf-69	143	6	model	model	NOUN
gujaf-69	143	7	is	be	AUX
gujaf-69	143	8	employed	employ	VERB
gujaf-69	143	9	to	to	PART
gujaf-69	143	10	capture	capture	VERB
gujaf-69	143	11	and	and	CCONJ
gujaf-69	143	12	analyse	analyse	VERB
gujaf-69	143	13	the	the	DET
gujaf-69	143	14	hypothesis	hypothesis	NOUN
gujaf-69	143	15	of	of	ADP
gujaf-69	143	16	the	the	DET
gujaf-69	143	17	study	study	NOUN
gujaf-69	143	18	.	.	PUNCT
gujaf-69	144	1	gusau	gusau	PROPN
gujaf-69	144	2	journal	journal	PROPN
gujaf-69	144	3	of	of	ADP
gujaf-69	144	4	accounting	accounting	NOUN
gujaf-69	144	5	and	and	CCONJ
gujaf-69	144	6	finance	finance	NOUN
gujaf-69	144	7	,	,	PUNCT
gujaf-69	144	8	vol	vol	NOUN
gujaf-69	144	9	.	.	PROPN
gujaf-69	144	10	2	2	NUM
gujaf-69	144	11	,	,	PUNCT
gujaf-69	144	12	issue	issue	NOUN
gujaf-69	144	13	2	2	NUM
gujaf-69	144	14	,	,	PUNCT
gujaf-69	144	15	april	april	PROPN
gujaf-69	144	16	,	,	PUNCT
gujaf-69	144	17	2021	2021	NUM
gujaf-69	144	18	8	8	NUM
gujaf-69	144	19	figure	figure	NOUN
gujaf-69	144	20	1	1	NUM
gujaf-69	144	21	:	:	PUNCT
gujaf-69	144	22	structural	structural	ADJ
gujaf-69	144	23	equation	equation	NOUN
gujaf-69	144	24	model	model	NOUN
gujaf-69	144	25	on	on	ADP
gujaf-69	144	26	the	the	DET
gujaf-69	144	27	relationship	relationship	NOUN
gujaf-69	144	28	between	between	ADP
gujaf-69	144	29	the	the	DET
gujaf-69	144	30	dependent	dependent	ADJ
gujaf-69	144	31	and	and	CCONJ
gujaf-69	144	32	independent	independent	ADJ
gujaf-69	144	33	variables	variable	NOUN
gujaf-69	144	34	,	,	PUNCT
gujaf-69	144	35	discussion	discussion	NOUN
gujaf-69	144	36	of	of	ADP
gujaf-69	144	37	convergent	convergent	NOUN
gujaf-69	144	38	validity	validity	NOUN
gujaf-69	144	39	test	test	NOUN
gujaf-69	144	40	for	for	ADP
gujaf-69	144	41	the	the	DET
gujaf-69	144	42	effect	effect	NOUN
gujaf-69	144	43	of	of	ADP
gujaf-69	144	44	e	e	NOUN
gujaf-69	144	45	-	-	NOUN
gujaf-69	144	46	payment	payment	NOUN
gujaf-69	144	47	on	on	ADP
gujaf-69	144	48	the	the	DET
gujaf-69	144	49	performance	performance	NOUN
gujaf-69	144	50	of	of	ADP
gujaf-69	144	51	commercial	commercial	ADJ
gujaf-69	144	52	activities	activity	NOUN
gujaf-69	144	53	in	in	ADP
gujaf-69	144	54	yola	yola	PROPN
gujaf-69	144	55	metropolis	metropolis	PROPN
gujaf-69	144	56	table	table	NOUN
gujaf-69	144	57	1	1	NUM
gujaf-69	144	58	in	in	ADP
gujaf-69	144	59	appendix	appendix	NOUN
gujaf-69	144	60	1	1	NUM
gujaf-69	144	61	contains	contain	VERB
gujaf-69	144	62	the	the	DET
gujaf-69	144	63	first	first	ADJ
gujaf-69	144	64	and	and	CCONJ
gujaf-69	144	65	second	second	ADJ
gujaf-69	144	66	order	order	NOUN
gujaf-69	144	67	comfermatory	comfermatory	NOUN
gujaf-69	144	68	factor	factor	NOUN
gujaf-69	144	69	analysis	analysis	NOUN
gujaf-69	144	70	of	of	ADP
gujaf-69	144	71	the	the	DET
gujaf-69	144	72	construct	construct	NOUN
gujaf-69	144	73	’s	’s	NOUN
gujaf-69	144	74	.	.	PUNCT
gujaf-69	145	1	cfa	cfa	PROPN
gujaf-69	145	2	was	be	AUX
gujaf-69	145	3	applied	apply	VERB
gujaf-69	145	4	in	in	ADP
gujaf-69	145	5	testing	test	VERB
gujaf-69	145	6	the	the	DET
gujaf-69	145	7	convergent	convergent	ADJ
gujaf-69	145	8	validity	validity	NOUN
gujaf-69	145	9	of	of	ADP
gujaf-69	145	10	the	the	DET
gujaf-69	145	11	individual	individual	ADJ
gujaf-69	145	12	constructs	construct	NOUN
gujaf-69	145	13	in	in	ADP
gujaf-69	145	14	the	the	DET
gujaf-69	145	15	questionnaire	questionnaire	NOUN
gujaf-69	145	16	administered	administer	VERB
gujaf-69	145	17	by	by	ADP
gujaf-69	145	18	assessing	assess	VERB
gujaf-69	145	19	the	the	DET
gujaf-69	145	20	factor	factor	NOUN
gujaf-69	145	21	loadings	loading	NOUN
gujaf-69	145	22	,	,	PUNCT
gujaf-69	145	23	average	average	ADJ
gujaf-69	145	24	variance	variance	NOUN
gujaf-69	145	25	extracted	extract	VERB
gujaf-69	145	26	(	(	PUNCT
gujaf-69	145	27	ave	ave	NOUN
gujaf-69	145	28	)	)	PUNCT
gujaf-69	145	29	and	and	CCONJ
gujaf-69	145	30	modification	modification	NOUN
gujaf-69	145	31	index	index	NOUN
gujaf-69	145	32	(	(	PUNCT
gujaf-69	145	33	mi	mi	NOUN
gujaf-69	145	34	)	)	PUNCT
gujaf-69	145	35	.	.	PUNCT
gujaf-69	146	1	all	all	DET
gujaf-69	146	2	items	item	NOUN
gujaf-69	146	3	that	that	PRON
gujaf-69	146	4	do	do	AUX
gujaf-69	146	5	not	not	PART
gujaf-69	146	6	meet	meet	VERB
gujaf-69	146	7	the	the	DET
gujaf-69	146	8	required	require	VERB
gujaf-69	146	9	bench	bench	NOUN
gujaf-69	146	10	mark	mark	NOUN
gujaf-69	146	11	of	of	ADP
gujaf-69	146	12	factor	factor	NOUN
gujaf-69	146	13	loading	loading	NOUN
gujaf-69	146	14	>	>	NOUN
gujaf-69	146	15	0.50	0.50	NUM
gujaf-69	146	16	,	,	PUNCT
gujaf-69	146	17	ave>0.50	ave>0.50	PROPN
gujaf-69	146	18	and	and	CCONJ
gujaf-69	146	19	mi	mi	X
gujaf-69	146	20	<	<	X
gujaf-69	146	21	15	15	NUM
gujaf-69	146	22	will	will	AUX
gujaf-69	146	23	be	be	AUX
gujaf-69	146	24	deleted	delete	VERB
gujaf-69	146	25	.	.	PUNCT
gujaf-69	147	1	thus	thus	ADV
gujaf-69	147	2	,	,	PUNCT
gujaf-69	147	3	some	some	DET
gujaf-69	147	4	items	item	NOUN
gujaf-69	147	5	were	be	AUX
gujaf-69	147	6	deleted	delete	VERB
gujaf-69	147	7	from	from	ADP
gujaf-69	147	8	the	the	DET
gujaf-69	147	9	path	path	NOUN
gujaf-69	147	10	diagrams	diagram	NOUN
gujaf-69	147	11	of	of	ADP
gujaf-69	147	12	cfas	cfas	NOUN
gujaf-69	147	13	,	,	PUNCT
gujaf-69	147	14	because	because	SCONJ
gujaf-69	147	15	they	they	PRON
gujaf-69	147	16	are	be	AUX
gujaf-69	147	17	<	<	X
gujaf-69	147	18	0.50	0.50	NUM
gujaf-69	147	19	as	as	SCONJ
gujaf-69	147	20	shown	show	VERB
gujaf-69	147	21	in	in	ADP
gujaf-69	147	22	table	table	NOUN
gujaf-69	147	23	4.10	4.10	NUM
gujaf-69	147	24	.	.	PUNCT
gujaf-69	148	1	from	from	ADP
gujaf-69	148	2	the	the	DET
gujaf-69	148	3	beginning	beginning	NOUN
gujaf-69	148	4	,	,	PUNCT
gujaf-69	148	5	point	point	NOUN
gujaf-69	148	6	of	of	ADP
gujaf-69	148	7	sale	sale	NOUN
gujaf-69	148	8	(	(	PUNCT
gujaf-69	148	9	pos	pos	NOUN
gujaf-69	148	10	)	)	PUNCT
gujaf-69	148	11	has	have	VERB
gujaf-69	148	12	6	6	NUM
gujaf-69	148	13	items	item	NOUN
gujaf-69	148	14	and	and	CCONJ
gujaf-69	148	15	after	after	ADP
gujaf-69	148	16	the	the	DET
gujaf-69	148	17	first	first	ADJ
gujaf-69	148	18	order	order	NOUN
gujaf-69	148	19	cfa	cfa	PROPN
gujaf-69	148	20	the	the	DET
gujaf-69	148	21	items	item	NOUN
gujaf-69	148	22	were	be	AUX
gujaf-69	148	23	cut	cut	VERB
gujaf-69	148	24	down	down	ADP
gujaf-69	148	25	to	to	ADP
gujaf-69	148	26	5	5	NUM
gujaf-69	148	27	items	item	NOUN
gujaf-69	148	28	,	,	PUNCT
gujaf-69	148	29	mobile	mobile	ADJ
gujaf-69	148	30	banking	banking	NOUN
gujaf-69	148	31	(	(	PUNCT
gujaf-69	148	32	mbk	mbk	NOUN
gujaf-69	148	33	)	)	PUNCT
gujaf-69	148	34	also	also	ADV
gujaf-69	148	35	has	have	VERB
gujaf-69	148	36	6	6	NUM
gujaf-69	148	37	items	item	NOUN
gujaf-69	148	38	,	,	PUNCT
gujaf-69	148	39	after	after	ADP
gujaf-69	148	40	conducting	conduct	VERB
gujaf-69	148	41	first	first	ADJ
gujaf-69	148	42	order	order	NOUN
gujaf-69	148	43	cfa	cfa	NOUN
gujaf-69	148	44	1	1	NUM
gujaf-69	148	45	item	item	NOUN
gujaf-69	148	46	was	be	AUX
gujaf-69	148	47	deleted	delete	VERB
gujaf-69	148	48	which	which	PRON
gujaf-69	148	49	reduced	reduce	VERB
gujaf-69	148	50	the	the	DET
gujaf-69	148	51	items	item	NOUN
gujaf-69	148	52	to	to	ADP
gujaf-69	148	53	5	5	NUM
gujaf-69	148	54	items	item	NOUN
gujaf-69	148	55	.	.	PUNCT
gujaf-69	149	1	similarly	similarly	ADV
gujaf-69	149	2	,	,	PUNCT
gujaf-69	149	3	challenges	challenge	NOUN
gujaf-69	149	4	of	of	ADP
gujaf-69	149	5	e	e	NOUN
gujaf-69	149	6	-	-	NOUN
gujaf-69	149	7	payment	payment	ADJ
gujaf-69	149	8	(	(	PUNCT
gujaf-69	149	9	chl	chl	PROPN
gujaf-69	149	10	)	)	PUNCT
gujaf-69	149	11	has	have	VERB
gujaf-69	149	12	5	5	NUM
gujaf-69	149	13	items	item	NOUN
gujaf-69	149	14	,	,	PUNCT
gujaf-69	149	15	after	after	ADP
gujaf-69	149	16	conducting	conduct	VERB
gujaf-69	149	17	first	first	ADJ
gujaf-69	149	18	order	order	NOUN
gujaf-69	149	19	cfa	cfa	NOUN
gujaf-69	149	20	1	1	NUM
gujaf-69	149	21	item	item	NOUN
gujaf-69	149	22	was	be	AUX
gujaf-69	149	23	deleted	delete	VERB
gujaf-69	149	24	which	which	PRON
gujaf-69	149	25	reduced	reduce	VERB
gujaf-69	149	26	the	the	DET
gujaf-69	149	27	number	number	NOUN
gujaf-69	149	28	of	of	ADP
gujaf-69	149	29	items	item	NOUN
gujaf-69	149	30	to	to	ADP
gujaf-69	149	31	4	4	NUM
gujaf-69	149	32	.	.	PUNCT
gujaf-69	150	1	also	also	ADV
gujaf-69	150	2	performance	performance	NOUN
gujaf-69	150	3	of	of	ADP
gujaf-69	150	4	commercial	commercial	ADJ
gujaf-69	150	5	activities	activity	NOUN
gujaf-69	150	6	(	(	PUNCT
gujaf-69	150	7	pfc	pfc	NOUN
gujaf-69	150	8	)	)	PUNCT
gujaf-69	150	9	has	have	VERB
gujaf-69	150	10	5	5	NUM
gujaf-69	150	11	items	item	NOUN
gujaf-69	150	12	and	and	CCONJ
gujaf-69	150	13	after	after	ADP
gujaf-69	150	14	the	the	DET
gujaf-69	150	15	first	first	ADJ
gujaf-69	150	16	order	order	NOUN
gujaf-69	150	17	cfa	cfa	NOUN
gujaf-69	150	18	1	1	NUM
gujaf-69	150	19	item	item	NOUN
gujaf-69	150	20	was	be	AUX
gujaf-69	150	21	deleted	delete	VERB
gujaf-69	150	22	which	which	PRON
gujaf-69	150	23	reduced	reduce	VERB
gujaf-69	150	24	the	the	DET
gujaf-69	150	25	number	number	NOUN
gujaf-69	150	26	of	of	ADP
gujaf-69	150	27	items	item	NOUN
gujaf-69	150	28	to	to	ADP
gujaf-69	150	29	4	4	NUM
gujaf-69	150	30	.	.	PUNCT
gujaf-69	150	31	gusau	gusau	PROPN
gujaf-69	150	32	journal	journal	PROPN
gujaf-69	150	33	of	of	ADP
gujaf-69	150	34	accounting	accounting	NOUN
gujaf-69	150	35	and	and	CCONJ
gujaf-69	150	36	finance	finance	NOUN
gujaf-69	150	37	,	,	PUNCT
gujaf-69	150	38	vol	vol	NOUN
gujaf-69	150	39	.	.	PROPN
gujaf-69	150	40	2	2	NUM
gujaf-69	150	41	,	,	PUNCT
gujaf-69	150	42	issue	issue	NOUN
gujaf-69	150	43	2	2	NUM
gujaf-69	150	44	,	,	PUNCT
gujaf-69	150	45	april	april	PROPN
gujaf-69	150	46	,	,	PUNCT
gujaf-69	150	47	2021	2021	NUM
gujaf-69	150	48	9	9	NUM
gujaf-69	150	49	4.4	4.4	NUM
gujaf-69	150	50	.	.	PUNCT
gujaf-69	151	1	standardized	standardize	VERB
gujaf-69	151	2	regression	regression	NOUN
gujaf-69	151	3	result	result	NOUN
gujaf-69	151	4	table	table	NOUN
gujaf-69	151	5	2	2	NUM
gujaf-69	151	6	:	:	PUNCT
gujaf-69	151	7	standardized	standardized	ADJ
gujaf-69	151	8	regression	regression	NOUN
gujaf-69	151	9	weight	weight	NOUN
gujaf-69	151	10	in	in	ADP
gujaf-69	151	11	the	the	DET
gujaf-69	151	12	hypothesized	hypothesized	ADJ
gujaf-69	151	13	path	path	NOUN
gujaf-69	151	14	model	model	NOUN
gujaf-69	151	15	hypothesized	hypothesize	VERB
gujaf-69	151	16	relationships	relationship	NOUN
gujaf-69	151	17	coefficients	coefficient	VERB
gujaf-69	151	18	s.e	s.e	PROPN
gujaf-69	151	19	cr	cr	PROPN
gujaf-69	151	20	p	p	PROPN
gujaf-69	151	21	-	-	PUNCT
gujaf-69	151	22	valu	valu	NOUN
gujaf-69	151	23	pfc	pfc	NOUN
gujaf-69	151	24	<	<	X
gujaf-69	151	25	--mbk	--mbk	PROPN
gujaf-69	151	26	.433	.433	NUM
gujaf-69	151	27	.257	.257	NUM
gujaf-69	151	28	1.684	1.684	NUM
gujaf-69	151	29	0.001	0.001	NUM
gujaf-69	151	30	pfc	pfc	NOUN
gujaf-69	151	31	<	<	X
gujaf-69	151	32	--pos	--pos	NOUN
gujaf-69	151	33	.454	.454	NUM
gujaf-69	151	34	.109	.109	NUM
gujaf-69	151	35	4.165	4.165	NUM
gujaf-69	151	36	0.000	0.000	NUM
gujaf-69	151	37	pfc	pfc	NOUN
gujaf-69	151	38	<	<	X
gujaf-69	151	39	--chl	--chl	X
gujaf-69	152	1	-.121	-.121	ADJ
gujaf-69	152	2	.106	.106	NUM
gujaf-69	152	3	-1.139	-1.139	NOUN
gujaf-69	152	4	0.001	0.001	NUM
gujaf-69	152	5	source	source	NOUN
gujaf-69	152	6	:	:	PUNCT
gujaf-69	152	7	standardized	standardized	ADJ
gujaf-69	152	8	structural	structural	ADJ
gujaf-69	152	9	equation	equation	NOUN
gujaf-69	152	10	,	,	PUNCT
gujaf-69	152	11	2021	2021	NUM
gujaf-69	152	12	note	note	NOUN
gujaf-69	152	13	:	:	PUNCT
gujaf-69	152	14	pfcperformance	pfcperformance	NOUN
gujaf-69	152	15	of	of	ADP
gujaf-69	152	16	commercial	commercial	ADJ
gujaf-69	152	17	activities	activity	NOUN
gujaf-69	152	18	;	;	PUNCT
gujaf-69	152	19	pos	pos	X
gujaf-69	152	20	:	:	PUNCT
gujaf-69	152	21	point	point	NOUN
gujaf-69	152	22	of	of	ADP
gujaf-69	152	23	sale	sale	NOUN
gujaf-69	152	24	;	;	PUNCT
gujaf-69	152	25	mbk	mbk	ADJ
gujaf-69	152	26	:	:	PUNCT
gujaf-69	152	27	mobile	mobile	ADJ
gujaf-69	152	28	banking	banking	NOUN
gujaf-69	152	29	,	,	PUNCT
gujaf-69	152	30	chl	chl	PROPN
gujaf-69	152	31	:	:	PUNCT
gujaf-69	152	32	challenges	challenge	NOUN
gujaf-69	152	33	of	of	ADP
gujaf-69	152	34	e	e	NOUN
gujaf-69	152	35	-	-	NOUN
gujaf-69	152	36	payments	payment	NOUN
gujaf-69	152	37	on	on	ADP
gujaf-69	152	38	commercial	commercial	ADJ
gujaf-69	152	39	activities	activity	NOUN
gujaf-69	152	40	,	,	PUNCT
gujaf-69	152	41	s.e.:standard	s.e.:standard	NOUN
gujaf-69	152	42	error	error	NOUN
gujaf-69	152	43	;	;	PUNCT
gujaf-69	152	44	cr	cr	X
gujaf-69	152	45	:	:	PUNCT
gujaf-69	152	46	critical	critical	ADJ
gujaf-69	152	47	ratio	ratio	NOUN
gujaf-69	152	48	.	.	PUNCT
gujaf-69	153	1	table	table	NOUN
gujaf-69	153	2	2	2	NUM
gujaf-69	153	3	reports	report	VERB
gujaf-69	153	4	the	the	DET
gujaf-69	153	5	standardized	standardized	ADJ
gujaf-69	153	6	structural	structural	ADJ
gujaf-69	153	7	equation	equation	NOUN
gujaf-69	153	8	results	result	NOUN
gujaf-69	153	9	of	of	ADP
gujaf-69	153	10	effect	effect	NOUN
gujaf-69	153	11	of	of	ADP
gujaf-69	153	12	e	e	NOUN
gujaf-69	153	13	-	-	NOUN
gujaf-69	153	14	payment	payment	NOUN
gujaf-69	153	15	on	on	ADP
gujaf-69	153	16	the	the	DET
gujaf-69	153	17	performance	performance	NOUN
gujaf-69	153	18	of	of	ADP
gujaf-69	153	19	commercial	commercial	ADJ
gujaf-69	153	20	activities	activity	NOUN
gujaf-69	153	21	in	in	ADP
gujaf-69	153	22	yola	yola	PROPN
gujaf-69	153	23	metropolis	metropolis	PROPN
gujaf-69	153	24	of	of	ADP
gujaf-69	153	25	adamawa	adamawa	PROPN
gujaf-69	153	26	state	state	NOUN
gujaf-69	153	27	.	.	PUNCT
gujaf-69	154	1	the	the	DET
gujaf-69	154	2	dependent	dependent	ADJ
gujaf-69	154	3	or	or	CCONJ
gujaf-69	154	4	outcome	outcome	NOUN
gujaf-69	154	5	variable	variable	NOUN
gujaf-69	154	6	is	be	AUX
gujaf-69	154	7	performance	performance	NOUN
gujaf-69	154	8	of	of	ADP
gujaf-69	154	9	commercial	commercial	ADJ
gujaf-69	154	10	activities	activity	NOUN
gujaf-69	154	11	(	(	PUNCT
gujaf-69	154	12	pfc	pfc	NOUN
gujaf-69	154	13	)	)	PUNCT
gujaf-69	154	14	,	,	PUNCT
gujaf-69	154	15	while	while	SCONJ
gujaf-69	154	16	the	the	DET
gujaf-69	154	17	predictors	predictor	NOUN
gujaf-69	154	18	or	or	CCONJ
gujaf-69	154	19	independent	independent	ADJ
gujaf-69	154	20	variable	variable	NOUN
gujaf-69	154	21	are	be	AUX
gujaf-69	154	22	point	point	NOUN
gujaf-69	154	23	of	of	ADP
gujaf-69	154	24	sale	sale	NOUN
gujaf-69	154	25	(	(	PUNCT
gujaf-69	154	26	pos	pos	NOUN
gujaf-69	154	27	)	)	PUNCT
gujaf-69	154	28	,	,	PUNCT
gujaf-69	154	29	mobile	mobile	ADJ
gujaf-69	154	30	banking(mbk	banking(mbk	NOUN
gujaf-69	154	31	)	)	PUNCT
gujaf-69	154	32	and	and	CCONJ
gujaf-69	154	33	challenges	challenge	NOUN
gujaf-69	154	34	of	of	ADP
gujaf-69	154	35	epayments	epayment	NOUN
gujaf-69	154	36	(	(	PUNCT
gujaf-69	154	37	chl	chl	PROPN
gujaf-69	154	38	)	)	PUNCT
gujaf-69	154	39	.	.	PUNCT
gujaf-69	155	1	the	the	DET
gujaf-69	155	2	coefficient	coefficient	NOUN
gujaf-69	155	3	of	of	ADP
gujaf-69	155	4	mobile	mobile	ADJ
gujaf-69	155	5	banking	banking	NOUN
gujaf-69	155	6	and	and	CCONJ
gujaf-69	155	7	point	point	NOUN
gujaf-69	155	8	of	of	ADP
gujaf-69	155	9	sale	sale	NOUN
gujaf-69	155	10	are	be	AUX
gujaf-69	155	11	positively	positively	ADV
gujaf-69	155	12	related	relate	VERB
gujaf-69	155	13	to	to	ADP
gujaf-69	155	14	performance	performance	NOUN
gujaf-69	155	15	of	of	ADP
gujaf-69	155	16	commercial	commercial	ADJ
gujaf-69	155	17	activities	activity	NOUN
gujaf-69	155	18	.	.	PUNCT
gujaf-69	156	1	this	this	PRON
gujaf-69	156	2	implies	imply	VERB
gujaf-69	156	3	that	that	SCONJ
gujaf-69	156	4	one	one	NUM
gujaf-69	156	5	unit	unit	NOUN
gujaf-69	156	6	increase	increase	NOUN
gujaf-69	156	7	in	in	ADP
gujaf-69	156	8	mobile	mobile	ADJ
gujaf-69	156	9	banking	banking	NOUN
gujaf-69	156	10	transaction	transaction	NOUN
gujaf-69	156	11	will	will	AUX
gujaf-69	156	12	increase	increase	VERB
gujaf-69	156	13	the	the	DET
gujaf-69	156	14	performance	performance	NOUN
gujaf-69	156	15	of	of	ADP
gujaf-69	156	16	commercial	commercial	ADJ
gujaf-69	156	17	activities	activity	NOUN
gujaf-69	156	18	in	in	ADP
gujaf-69	156	19	yola	yola	PROPN
gujaf-69	156	20	metropolis	metropolis	PROPN
gujaf-69	156	21	by	by	ADP
gujaf-69	156	22	0.433	0.433	NUM
gujaf-69	156	23	units	unit	NOUN
gujaf-69	156	24	.	.	PUNCT
gujaf-69	157	1	also	also	ADV
gujaf-69	157	2	one	one	NUM
gujaf-69	157	3	unit	unit	NOUN
gujaf-69	157	4	increase	increase	NOUN
gujaf-69	157	5	in	in	ADP
gujaf-69	157	6	point	point	NOUN
gujaf-69	157	7	of	of	ADP
gujaf-69	157	8	sale	sale	NOUN
gujaf-69	157	9	transaction	transaction	NOUN
gujaf-69	157	10	will	will	AUX
gujaf-69	157	11	increase	increase	VERB
gujaf-69	157	12	the	the	DET
gujaf-69	157	13	performance	performance	NOUN
gujaf-69	157	14	of	of	ADP
gujaf-69	157	15	commercial	commercial	ADJ
gujaf-69	157	16	activities	activity	NOUN
gujaf-69	157	17	in	in	ADP
gujaf-69	157	18	yola	yola	PROPN
gujaf-69	157	19	metropolis	metropolis	PROPN
gujaf-69	157	20	by	by	ADP
gujaf-69	157	21	0.454	0.454	NUM
gujaf-69	157	22	units	unit	NOUN
gujaf-69	157	23	.	.	PUNCT
gujaf-69	158	1	on	on	ADP
gujaf-69	158	2	the	the	DET
gujaf-69	158	3	other	other	ADJ
gujaf-69	158	4	hand	hand	NOUN
gujaf-69	158	5	there	there	PRON
gujaf-69	158	6	is	be	VERB
gujaf-69	158	7	negative	negative	ADJ
gujaf-69	158	8	relationship	relationship	NOUN
gujaf-69	158	9	between	between	ADP
gujaf-69	158	10	performance	performance	NOUN
gujaf-69	158	11	of	of	ADP
gujaf-69	158	12	commercial	commercial	ADJ
gujaf-69	158	13	activities	activity	NOUN
gujaf-69	158	14	in	in	ADP
gujaf-69	158	15	yola	yola	PROPN
gujaf-69	158	16	metropolis	metropolis	PROPN
gujaf-69	158	17	and	and	CCONJ
gujaf-69	158	18	challenges	challenge	NOUN
gujaf-69	158	19	of	of	ADP
gujaf-69	158	20	e	e	NOUN
gujaf-69	158	21	-	-	NOUN
gujaf-69	158	22	payments	payment	NOUN
gujaf-69	158	23	in	in	ADP
gujaf-69	158	24	yola	yola	PROPN
gujaf-69	158	25	metropolis	metropolis	PROPN
gujaf-69	158	26	.	.	PUNCT
gujaf-69	159	1	this	this	PRON
gujaf-69	159	2	implies	imply	VERB
gujaf-69	159	3	that	that	SCONJ
gujaf-69	159	4	one	one	NUM
gujaf-69	159	5	unit	unit	NOUN
gujaf-69	159	6	increase	increase	NOUN
gujaf-69	159	7	in	in	ADP
gujaf-69	159	8	challenges	challenge	NOUN
gujaf-69	159	9	of	of	ADP
gujaf-69	159	10	e	e	NOUN
gujaf-69	159	11	-	-	NOUN
gujaf-69	159	12	payments	payment	NOUN
gujaf-69	159	13	transaction	transaction	NOUN
gujaf-69	159	14	will	will	AUX
gujaf-69	159	15	decrease	decrease	VERB
gujaf-69	159	16	the	the	DET
gujaf-69	159	17	performance	performance	NOUN
gujaf-69	159	18	of	of	ADP
gujaf-69	159	19	commercial	commercial	ADJ
gujaf-69	159	20	activities	activity	NOUN
gujaf-69	159	21	in	in	ADP
gujaf-69	159	22	yola	yola	PROPN
gujaf-69	159	23	metropolis	metropolis	PROPN
gujaf-69	159	24	by	by	ADP
gujaf-69	159	25	-.121	-.121	PROPN
gujaf-69	159	26	units	unit	NOUN
gujaf-69	159	27	.	.	PUNCT
gujaf-69	160	1	moreover	moreover	ADV
gujaf-69	160	2	,	,	PUNCT
gujaf-69	160	3	the	the	DET
gujaf-69	160	4	coefficient	coefficient	NOUN
gujaf-69	160	5	of	of	ADP
gujaf-69	160	6	mobile	mobile	ADJ
gujaf-69	160	7	banking	banking	NOUN
gujaf-69	160	8	,	,	PUNCT
gujaf-69	160	9	point	point	NOUN
gujaf-69	160	10	of	of	ADP
gujaf-69	160	11	sale	sale	NOUN
gujaf-69	160	12	and	and	CCONJ
gujaf-69	160	13	challenges	challenge	NOUN
gujaf-69	160	14	of	of	ADP
gujaf-69	160	15	e	e	NOUN
gujaf-69	160	16	-	-	NOUN
gujaf-69	160	17	payments	payment	NOUN
gujaf-69	160	18	are	be	AUX
gujaf-69	160	19	found	find	VERB
gujaf-69	160	20	to	to	PART
gujaf-69	160	21	be	be	AUX
gujaf-69	160	22	statistically	statistically	ADV
gujaf-69	160	23	significant	significant	ADJ
gujaf-69	160	24	at	at	ADP
gujaf-69	160	25	1	1	NUM
gujaf-69	160	26	per	per	ADP
gujaf-69	160	27	cent	cent	NOUN
gujaf-69	160	28	as	as	SCONJ
gujaf-69	160	29	indicated	indicate	VERB
gujaf-69	160	30	by	by	ADP
gujaf-69	160	31	probability	probability	NOUN
gujaf-69	160	32	values	value	NOUN
gujaf-69	160	33	of	of	ADP
gujaf-69	160	34	0.001	0.001	NUM
gujaf-69	160	35	,	,	PUNCT
gujaf-69	160	36	0.000	0.000	NUM
gujaf-69	160	37	,	,	PUNCT
gujaf-69	160	38	0.001	0.001	NUM
gujaf-69	160	39	respectively	respectively	ADV
gujaf-69	160	40	,	,	PUNCT
gujaf-69	160	41	hence	hence	ADV
gujaf-69	160	42	the	the	DET
gujaf-69	160	43	null	null	ADJ
gujaf-69	160	44	hypothesis	hypothesis	NOUN
gujaf-69	160	45	are	be	AUX
gujaf-69	160	46	rejected	reject	VERB
gujaf-69	160	47	.	.	PUNCT
gujaf-69	161	1	the	the	DET
gujaf-69	161	2	finding	finding	NOUN
gujaf-69	161	3	of	of	ADP
gujaf-69	161	4	this	this	DET
gujaf-69	161	5	study	study	NOUN
gujaf-69	161	6	corroborated	corroborate	VERB
gujaf-69	161	7	with	with	ADP
gujaf-69	161	8	study	study	NOUN
gujaf-69	161	9	of	of	ADP
gujaf-69	161	10	funmilola	funmilola	NOUN
gujaf-69	161	11	and	and	CCONJ
gujaf-69	161	12	oluwatobi	oluwatobi	NOUN
gujaf-69	161	13	(	(	PUNCT
gujaf-69	161	14	2015	2015	NUM
gujaf-69	161	15	)	)	PUNCT
gujaf-69	161	16	who	who	PRON
gujaf-69	161	17	investigated	investigate	VERB
gujaf-69	161	18	the	the	DET
gujaf-69	161	19	factors	factor	NOUN
gujaf-69	161	20	affecting	affect	VERB
gujaf-69	161	21	adoption	adoption	NOUN
gujaf-69	161	22	of	of	ADP
gujaf-69	161	23	point	point	NOUN
gujaf-69	161	24	of	of	ADP
gujaf-69	161	25	sale	sale	NOUN
gujaf-69	161	26	by	by	ADP
gujaf-69	161	27	organizations	organization	NOUN
gujaf-69	161	28	in	in	ADP
gujaf-69	161	29	lagos	lagos	PROPN
gujaf-69	161	30	and	and	CCONJ
gujaf-69	161	31	ibadan	ibadan	PROPN
gujaf-69	161	32	metropolis	metropolis	PROPN
gujaf-69	161	33	,	,	PUNCT
gujaf-69	161	34	nigeria	nigeria	PROPN
gujaf-69	161	35	using	use	VERB
gujaf-69	161	36	the	the	DET
gujaf-69	161	37	technology	technology	NOUN
gujaf-69	161	38	acceptance	acceptance	NOUN
gujaf-69	161	39	model	model	NOUN
gujaf-69	161	40	as	as	ADP
gujaf-69	161	41	the	the	DET
gujaf-69	161	42	theoretical	theoretical	ADJ
gujaf-69	161	43	framework	framework	NOUN
gujaf-69	161	44	.	.	PUNCT
gujaf-69	162	1	the	the	DET
gujaf-69	162	2	results	result	NOUN
gujaf-69	162	3	reveal	reveal	VERB
gujaf-69	162	4	that	that	SCONJ
gujaf-69	162	5	subjective	subjective	ADJ
gujaf-69	162	6	norms	norm	NOUN
gujaf-69	162	7	and	and	CCONJ
gujaf-69	162	8	perceived	perceive	VERB
gujaf-69	162	9	ease	ease	NOUN
gujaf-69	162	10	of	of	ADP
gujaf-69	162	11	use	use	NOUN
gujaf-69	162	12	have	have	VERB
gujaf-69	162	13	significant	significant	ADJ
gujaf-69	162	14	relationship	relationship	NOUN
gujaf-69	162	15	with	with	ADP
gujaf-69	162	16	adoption	adoption	NOUN
gujaf-69	162	17	of	of	ADP
gujaf-69	162	18	pos	pos	NOUN
gujaf-69	162	19	machine	machine	NOUN
gujaf-69	162	20	by	by	ADP
gujaf-69	162	21	the	the	DET
gujaf-69	162	22	organizations	organization	NOUN
gujaf-69	162	23	.	.	PUNCT
gujaf-69	163	1	also	also	ADV
gujaf-69	163	2	,	,	PUNCT
gujaf-69	163	3	it	it	PRON
gujaf-69	163	4	conform	conform	VERB
gujaf-69	163	5	with	with	ADP
gujaf-69	163	6	study	study	NOUN
gujaf-69	163	7	by	by	ADP
gujaf-69	163	8	davidson	davidson	NOUN
gujaf-69	163	9	(	(	PUNCT
gujaf-69	163	10	2015	2015	NUM
gujaf-69	163	11	)	)	PUNCT
gujaf-69	163	12	who	who	PRON
gujaf-69	163	13	examine	examine	VERB
gujaf-69	163	14	the	the	DET
gujaf-69	163	15	effect	effect	NOUN
gujaf-69	163	16	of	of	ADP
gujaf-69	163	17	e	e	NOUN
gujaf-69	163	18	-	-	NOUN
gujaf-69	163	19	payment	payment	NOUN
gujaf-69	163	20	facilities	facility	NOUN
gujaf-69	163	21	towards	towards	ADP
gujaf-69	163	22	an	an	DET
gujaf-69	163	23	efficient	efficient	ADJ
gujaf-69	163	24	cashless	cashless	NOUN
gujaf-69	163	25	policy	policy	NOUN
gujaf-69	163	26	in	in	ADP
gujaf-69	163	27	nigeria	nigeria	PROPN
gujaf-69	163	28	.	.	PUNCT
gujaf-69	164	1	his	his	PRON
gujaf-69	164	2	study	study	NOUN
gujaf-69	164	3	revealed	reveal	VERB
gujaf-69	164	4	that	that	SCONJ
gujaf-69	164	5	bank	bank	NOUN
gujaf-69	164	6	customers	customer	NOUN
gujaf-69	164	7	are	be	AUX
gujaf-69	164	8	faced	face	VERB
gujaf-69	164	9	with	with	ADP
gujaf-69	164	10	several	several	ADJ
gujaf-69	164	11	challenges	challenge	NOUN
gujaf-69	164	12	such	such	ADJ
gujaf-69	164	13	as	as	ADP
gujaf-69	164	14	online	online	ADJ
gujaf-69	164	15	frauds	fraud	NOUN
gujaf-69	164	16	,	,	PUNCT
gujaf-69	164	17	insecurity	insecurity	NOUN
gujaf-69	164	18	of	of	ADP
gujaf-69	164	19	personal	personal	ADJ
gujaf-69	164	20	data	datum	NOUN
gujaf-69	164	21	.	.	PUNCT
gujaf-69	165	1	again	again	ADV
gujaf-69	165	2	,	,	PUNCT
gujaf-69	165	3	operator	operator	NOUN
gujaf-69	165	4	’s	’s	PART
gujaf-69	165	5	network	network	NOUN
gujaf-69	165	6	/	/	SYM
gujaf-69	165	7	service	service	NOUN
gujaf-69	165	8	fluctuation	fluctuation	NOUN
gujaf-69	165	9	and	and	CCONJ
gujaf-69	165	10	poor	poor	ADJ
gujaf-69	165	11	interconnectivity	interconnectivity	NOUN
gujaf-69	165	12	of	of	ADP
gujaf-69	165	13	banks	bank	NOUN
gujaf-69	165	14	network	network	NOUN
gujaf-69	165	15	servers	server	NOUN
gujaf-69	165	16	is	be	AUX
gujaf-69	165	17	still	still	ADV
gujaf-69	165	18	a	a	DET
gujaf-69	165	19	major	major	ADJ
gujaf-69	165	20	challenge	challenge	NOUN
gujaf-69	165	21	impeding	impede	VERB
gujaf-69	165	22	the	the	DET
gujaf-69	165	23	efficient	efficient	ADJ
gujaf-69	165	24	use	use	NOUN
gujaf-69	165	25	of	of	ADP
gujaf-69	165	26	mobile	mobile	ADJ
gujaf-69	165	27	banking	banking	NOUN
gujaf-69	165	28	services	service	NOUN
gujaf-69	165	29	.	.	PUNCT
gujaf-69	166	1	in	in	ADP
gujaf-69	166	2	the	the	DET
gujaf-69	166	3	same	same	ADJ
gujaf-69	166	4	vain	vain	NOUN
gujaf-69	166	5	,	,	PUNCT
gujaf-69	166	6	it	it	PRON
gujaf-69	166	7	supports	support	VERB
gujaf-69	166	8	the	the	DET
gujaf-69	166	9	findings	finding	NOUN
gujaf-69	166	10	of	of	ADP
gujaf-69	166	11	joan	joan	PROPN
gujaf-69	166	12	(	(	PUNCT
gujaf-69	166	13	2018	2018	NUM
gujaf-69	166	14	)	)	PUNCT
gujaf-69	166	15	who	who	PRON
gujaf-69	166	16	examines	examine	VERB
gujaf-69	166	17	effect	effect	NOUN
gujaf-69	166	18	of	of	ADP
gujaf-69	166	19	mobile	mobile	ADJ
gujaf-69	166	20	banking	banking	NOUN
gujaf-69	166	21	adoption	adoption	NOUN
gujaf-69	166	22	on	on	ADP
gujaf-69	166	23	the	the	DET
gujaf-69	166	24	performance	performance	NOUN
gujaf-69	166	25	of	of	ADP
gujaf-69	166	26	small	small	ADJ
gujaf-69	166	27	and	and	CCONJ
gujaf-69	166	28	medium	medium	ADJ
gujaf-69	166	29	enterprises	enterprise	NOUN
gujaf-69	166	30	in	in	ADP
gujaf-69	166	31	nairobi	nairobi	PROPN
gujaf-69	166	32	county	county	PROPN
gujaf-69	166	33	who	who	PRON
gujaf-69	166	34	revealed	reveal	VERB
gujaf-69	166	35	that	that	SCONJ
gujaf-69	166	36	mobile	mobile	ADJ
gujaf-69	166	37	banking	banking	NOUN
gujaf-69	166	38	adoption	adoption	NOUN
gujaf-69	166	39	positively	positively	ADV
gujaf-69	166	40	influences	influence	VERB
gujaf-69	166	41	smes	sme	NOUN
gujaf-69	166	42	performance	performance	NOUN
gujaf-69	166	43	in	in	ADP
gujaf-69	166	44	the	the	DET
gujaf-69	166	45	county	county	NOUN
gujaf-69	166	46	of	of	ADP
gujaf-69	166	47	nairobi	nairobi	PROPN
gujaf-69	166	48	.	.	PUNCT
gujaf-69	167	1	contrary	contrary	ADJ
gujaf-69	167	2	to	to	ADP
gujaf-69	167	3	the	the	DET
gujaf-69	167	4	previous	previous	ADJ
gujaf-69	167	5	studies	study	NOUN
gujaf-69	167	6	this	this	DET
gujaf-69	167	7	study	study	NOUN
gujaf-69	167	8	concluded	conclude	VERB
gujaf-69	167	9	that	that	SCONJ
gujaf-69	167	10	pos	pos	NOUN
gujaf-69	167	11	,	,	PUNCT
gujaf-69	167	12	and	and	CCONJ
gujaf-69	167	13	mobile	mobile	ADJ
gujaf-69	167	14	banking	banking	NOUN
gujaf-69	167	15	transactions	transaction	NOUN
gujaf-69	167	16	are	be	AUX
gujaf-69	167	17	significantly	significantly	ADV
gujaf-69	167	18	and	and	CCONJ
gujaf-69	167	19	positively	positively	ADV
gujaf-69	167	20	affecting	affect	VERB
gujaf-69	167	21	the	the	DET
gujaf-69	167	22	performance	performance	NOUN
gujaf-69	167	23	of	of	ADP
gujaf-69	167	24	commercial	commercial	ADJ
gujaf-69	167	25	activities	activity	NOUN
gujaf-69	167	26	in	in	ADP
gujaf-69	167	27	yola	yola	PROPN
gujaf-69	167	28	gusau	gusau	PROPN
gujaf-69	167	29	journal	journal	PROPN
gujaf-69	167	30	of	of	ADP
gujaf-69	167	31	accounting	accounting	NOUN
gujaf-69	167	32	and	and	CCONJ
gujaf-69	167	33	finance	finance	NOUN
gujaf-69	167	34	,	,	PUNCT
gujaf-69	167	35	vol	vol	NOUN
gujaf-69	167	36	.	.	PROPN
gujaf-69	167	37	2	2	NUM
gujaf-69	167	38	,	,	PUNCT
gujaf-69	167	39	issue	issue	NOUN
gujaf-69	167	40	2	2	NUM
gujaf-69	167	41	,	,	PUNCT
gujaf-69	167	42	april	april	PROPN
gujaf-69	167	43	,	,	PUNCT
gujaf-69	167	44	2021	2021	NUM
gujaf-69	167	45	10	10	NUM
gujaf-69	167	46	metropolis	metropolis	NOUN
gujaf-69	167	47	.	.	PUNCT
gujaf-69	168	1	implying	imply	VERB
gujaf-69	168	2	that	that	SCONJ
gujaf-69	168	3	using	use	VERB
gujaf-69	168	4	pos	pos	NOUN
gujaf-69	168	5	and	and	CCONJ
gujaf-69	168	6	mobile	mobile	ADJ
gujaf-69	168	7	banking	banking	NOUN
gujaf-69	168	8	as	as	ADP
gujaf-69	168	9	a	a	DET
gujaf-69	168	10	means	means	NOUN
gujaf-69	168	11	of	of	ADP
gujaf-69	168	12	payments	payment	NOUN
gujaf-69	168	13	has	have	AUX
gujaf-69	168	14	improved	improve	VERB
gujaf-69	168	15	performance	performance	NOUN
gujaf-69	168	16	of	of	ADP
gujaf-69	168	17	commercial	commercial	ADJ
gujaf-69	168	18	activities	activity	NOUN
gujaf-69	168	19	in	in	ADP
gujaf-69	168	20	yola	yola	PROPN
gujaf-69	168	21	metropolis	metropolis	PROPN
gujaf-69	168	22	of	of	ADP
gujaf-69	168	23	adamawa	adamawa	PROPN
gujaf-69	168	24	state	state	NOUN
gujaf-69	168	25	.	.	PUNCT
gujaf-69	169	1	similarly	similarly	ADV
gujaf-69	169	2	the	the	DET
gujaf-69	169	3	study	study	NOUN
gujaf-69	169	4	found	find	VERB
gujaf-69	169	5	that	that	SCONJ
gujaf-69	169	6	network	network	NOUN
gujaf-69	169	7	failure	failure	NOUN
gujaf-69	169	8	,	,	PUNCT
gujaf-69	169	9	illiteracy	illiteracy	NOUN
gujaf-69	169	10	,	,	PUNCT
gujaf-69	169	11	high	high	ADJ
gujaf-69	169	12	bank	bank	NOUN
gujaf-69	169	13	operational	operational	ADJ
gujaf-69	169	14	charges	charge	NOUN
gujaf-69	169	15	,	,	PUNCT
gujaf-69	169	16	cyber	cyber	ADJ
gujaf-69	169	17	security	security	NOUN
gujaf-69	169	18	crime	crime	NOUN
gujaf-69	169	19	and	and	CCONJ
gujaf-69	169	20	lack	lack	NOUN
gujaf-69	169	21	of	of	ADP
gujaf-69	169	22	uniform	uniform	ADJ
gujaf-69	169	23	platform	platform	NOUN
gujaf-69	169	24	operated	operate	VERB
gujaf-69	169	25	by	by	ADP
gujaf-69	169	26	commercial	commercial	ADJ
gujaf-69	169	27	centers	center	NOUN
gujaf-69	169	28	are	be	AUX
gujaf-69	169	29	among	among	ADP
gujaf-69	169	30	challenges	challenge	NOUN
gujaf-69	169	31	that	that	PRON
gujaf-69	169	32	significantly	significantly	ADV
gujaf-69	169	33	affect	affect	VERB
gujaf-69	169	34	the	the	DET
gujaf-69	169	35	performance	performance	NOUN
gujaf-69	169	36	of	of	ADP
gujaf-69	169	37	commercial	commercial	ADJ
gujaf-69	169	38	activities	activity	NOUN
gujaf-69	169	39	in	in	ADP
gujaf-69	169	40	yola	yola	PROPN
gujaf-69	169	41	metropolis	metropolis	PROPN
gujaf-69	169	42	of	of	ADP
gujaf-69	169	43	adamawa	adamawa	PROPN
gujaf-69	169	44	state	state	NOUN
gujaf-69	169	45	.	.	PUNCT
gujaf-69	170	1	also	also	ADV
gujaf-69	170	2	structural	structural	ADJ
gujaf-69	170	3	equation	equation	NOUN
gujaf-69	170	4	modeling	modeling	NOUN
gujaf-69	170	5	was	be	AUX
gujaf-69	170	6	used	use	VERB
gujaf-69	170	7	as	as	ADP
gujaf-69	170	8	a	a	DET
gujaf-69	170	9	technique	technique	NOUN
gujaf-69	170	10	of	of	ADP
gujaf-69	170	11	analysis	analysis	NOUN
gujaf-69	170	12	.	.	PUNCT
gujaf-69	171	1	5	5	X
gujaf-69	171	2	.	.	X
gujaf-69	171	3	conclusions	conclusion	NOUN
gujaf-69	171	4	and	and	CCONJ
gujaf-69	171	5	recommendations	recommendation	NOUN
gujaf-69	171	6	this	this	DET
gujaf-69	171	7	study	study	NOUN
gujaf-69	171	8	investigated	investigate	VERB
gujaf-69	171	9	the	the	DET
gujaf-69	171	10	effect	effect	NOUN
gujaf-69	171	11	of	of	ADP
gujaf-69	171	12	e	e	NOUN
gujaf-69	171	13	-	-	NOUN
gujaf-69	171	14	payments	payment	NOUN
gujaf-69	171	15	on	on	ADP
gujaf-69	171	16	the	the	DET
gujaf-69	171	17	performance	performance	NOUN
gujaf-69	171	18	of	of	ADP
gujaf-69	171	19	commercial	commercial	ADJ
gujaf-69	171	20	activities	activity	NOUN
gujaf-69	171	21	in	in	ADP
gujaf-69	171	22	yola	yola	PROPN
gujaf-69	171	23	metropolis	metropolis	PROPN
gujaf-69	171	24	adamawa	adamawa	PROPN
gujaf-69	171	25	state	state	PROPN
gujaf-69	171	26	,	,	PUNCT
gujaf-69	171	27	nigeria	nigeria	PROPN
gujaf-69	171	28	.	.	PUNCT
gujaf-69	172	1	the	the	DET
gujaf-69	172	2	result	result	NOUN
gujaf-69	172	3	of	of	ADP
gujaf-69	172	4	the	the	DET
gujaf-69	172	5	study	study	NOUN
gujaf-69	172	6	concluded	conclude	VERB
gujaf-69	172	7	that	that	SCONJ
gujaf-69	172	8	pos	pos	NOUN
gujaf-69	172	9	,	,	PUNCT
gujaf-69	172	10	and	and	CCONJ
gujaf-69	172	11	mobile	mobile	ADJ
gujaf-69	172	12	banking	banking	NOUN
gujaf-69	172	13	transactions	transaction	NOUN
gujaf-69	172	14	are	be	AUX
gujaf-69	172	15	significantly	significantly	ADV
gujaf-69	172	16	and	and	CCONJ
gujaf-69	172	17	positively	positively	ADV
gujaf-69	172	18	affecting	affect	VERB
gujaf-69	172	19	the	the	DET
gujaf-69	172	20	performance	performance	NOUN
gujaf-69	172	21	of	of	ADP
gujaf-69	172	22	commercial	commercial	ADJ
gujaf-69	172	23	activities	activity	NOUN
gujaf-69	172	24	in	in	ADP
gujaf-69	172	25	yola	yola	PROPN
gujaf-69	172	26	metropolis	metropolis	PROPN
gujaf-69	172	27	by	by	ADP
gujaf-69	172	28	improving	improve	VERB
gujaf-69	172	29	their	their	PRON
gujaf-69	172	30	services	service	NOUN
gujaf-69	172	31	to	to	ADP
gujaf-69	172	32	customers	customer	NOUN
gujaf-69	172	33	,	,	PUNCT
gujaf-69	172	34	sales	sale	NOUN
gujaf-69	172	35	volume	volume	NOUN
gujaf-69	172	36	,	,	PUNCT
gujaf-69	172	37	product	product	NOUN
gujaf-69	172	38	quality	quality	NOUN
gujaf-69	172	39	,	,	PUNCT
gujaf-69	172	40	patronage	patronage	NOUN
gujaf-69	172	41	,	,	PUNCT
gujaf-69	172	42	revenue	revenue	NOUN
gujaf-69	172	43	and	and	CCONJ
gujaf-69	172	44	profit	profit	NOUN
gujaf-69	172	45	margin	margin	NOUN
gujaf-69	172	46	respectively	respectively	ADV
gujaf-69	172	47	.	.	PUNCT
gujaf-69	173	1	implying	imply	VERB
gujaf-69	173	2	that	that	SCONJ
gujaf-69	173	3	using	use	VERB
gujaf-69	173	4	pos	pos	NOUN
gujaf-69	173	5	and	and	CCONJ
gujaf-69	173	6	mobile	mobile	ADJ
gujaf-69	173	7	banking	banking	NOUN
gujaf-69	173	8	as	as	ADP
gujaf-69	173	9	a	a	DET
gujaf-69	173	10	means	means	NOUN
gujaf-69	173	11	of	of	ADP
gujaf-69	173	12	payments	payment	NOUN
gujaf-69	173	13	are	be	AUX
gujaf-69	173	14	highly	highly	ADV
gujaf-69	173	15	recommended	recommend	VERB
gujaf-69	173	16	to	to	ADP
gujaf-69	173	17	commercial	commercial	ADJ
gujaf-69	173	18	activities	activity	NOUN
gujaf-69	173	19	in	in	ADP
gujaf-69	173	20	other	other	ADJ
gujaf-69	173	21	to	to	PART
gujaf-69	173	22	improve	improve	VERB
gujaf-69	173	23	their	their	PRON
gujaf-69	173	24	performance	performance	NOUN
gujaf-69	173	25	in	in	ADP
gujaf-69	173	26	yola	yola	PROPN
gujaf-69	173	27	metropolis	metropolis	PROPN
gujaf-69	173	28	of	of	ADP
gujaf-69	173	29	adamawa	adamawa	PROPN
gujaf-69	173	30	state	state	NOUN
gujaf-69	173	31	.	.	PUNCT
gujaf-69	174	1	similarly	similarly	ADV
gujaf-69	174	2	the	the	DET
gujaf-69	174	3	study	study	NOUN
gujaf-69	174	4	found	find	VERB
gujaf-69	174	5	that	that	SCONJ
gujaf-69	174	6	network	network	NOUN
gujaf-69	174	7	failure	failure	NOUN
gujaf-69	174	8	,	,	PUNCT
gujaf-69	174	9	illiteracy	illiteracy	NOUN
gujaf-69	174	10	,	,	PUNCT
gujaf-69	174	11	high	high	ADJ
gujaf-69	174	12	bank	bank	NOUN
gujaf-69	174	13	operational	operational	ADJ
gujaf-69	174	14	charges	charge	NOUN
gujaf-69	174	15	,	,	PUNCT
gujaf-69	174	16	cyber	cyber	ADJ
gujaf-69	174	17	security	security	NOUN
gujaf-69	174	18	crime	crime	NOUN
gujaf-69	174	19	and	and	CCONJ
gujaf-69	174	20	lack	lack	NOUN
gujaf-69	174	21	of	of	ADP
gujaf-69	174	22	uniform	uniform	ADJ
gujaf-69	174	23	platform	platform	NOUN
gujaf-69	174	24	operated	operate	VERB
gujaf-69	174	25	by	by	ADP
gujaf-69	174	26	commercial	commercial	ADJ
gujaf-69	174	27	centers	center	NOUN
gujaf-69	174	28	are	be	AUX
gujaf-69	174	29	among	among	ADP
gujaf-69	174	30	challenges	challenge	NOUN
gujaf-69	174	31	that	that	PRON
gujaf-69	174	32	significantly	significantly	ADV
gujaf-69	174	33	affect	affect	VERB
gujaf-69	174	34	the	the	DET
gujaf-69	174	35	performance	performance	NOUN
gujaf-69	174	36	of	of	ADP
gujaf-69	174	37	commercial	commercial	ADJ
gujaf-69	174	38	activities	activity	NOUN
gujaf-69	174	39	in	in	ADP
gujaf-69	174	40	yola	yola	PROPN
gujaf-69	174	41	metropolis	metropolis	PROPN
gujaf-69	174	42	of	of	ADP
gujaf-69	174	43	adamawa	adamawa	PROPN
gujaf-69	174	44	state	state	NOUN
gujaf-69	174	45	.	.	PUNCT
gujaf-69	175	1	hence	hence	ADV
gujaf-69	175	2	,	,	PUNCT
gujaf-69	175	3	there	there	PRON
gujaf-69	175	4	is	be	VERB
gujaf-69	175	5	urgent	urgent	ADJ
gujaf-69	175	6	attention	attention	NOUN
gujaf-69	175	7	by	by	ADP
gujaf-69	175	8	government	government	NOUN
gujaf-69	175	9	,	,	PUNCT
gujaf-69	175	10	commercial	commercial	ADJ
gujaf-69	175	11	banks	bank	NOUN
gujaf-69	175	12	,	,	PUNCT
gujaf-69	175	13	monetary	monetary	ADJ
gujaf-69	175	14	authorities	authority	NOUN
gujaf-69	175	15	and	and	CCONJ
gujaf-69	175	16	service	service	NOUN
gujaf-69	175	17	providers	provider	NOUN
gujaf-69	175	18	to	to	PART
gujaf-69	175	19	proffer	proffer	VERB
gujaf-69	175	20	solution	solution	NOUN
gujaf-69	175	21	to	to	ADP
gujaf-69	175	22	the	the	DET
gujaf-69	175	23	challenges	challenge	NOUN
gujaf-69	175	24	in	in	ADP
gujaf-69	175	25	order	order	NOUN
gujaf-69	175	26	to	to	PART
gujaf-69	175	27	secure	secure	VERB
gujaf-69	175	28	and	and	CCONJ
gujaf-69	175	29	improve	improve	VERB
gujaf-69	175	30	the	the	DET
gujaf-69	175	31	performance	performance	NOUN
gujaf-69	175	32	of	of	ADP
gujaf-69	175	33	commercial	commercial	ADJ
gujaf-69	175	34	activities	activity	NOUN
gujaf-69	175	35	in	in	ADP
gujaf-69	175	36	yola	yola	PROPN
gujaf-69	175	37	metropolis	metropolis	PROPN
gujaf-69	175	38	of	of	ADP
gujaf-69	175	39	adamawa	adamawa	PROPN
gujaf-69	175	40	state	state	PROPN
gujaf-69	175	41	and	and	CCONJ
gujaf-69	175	42	nigeria	nigeria	PROPN
gujaf-69	175	43	as	as	ADV
gujaf-69	175	44	well	well	ADV
gujaf-69	175	45	.	.	PUNCT
gujaf-69	176	1	base	base	NOUN
gujaf-69	176	2	on	on	ADP
gujaf-69	176	3	the	the	DET
gujaf-69	176	4	finding	finding	NOUN
gujaf-69	176	5	of	of	ADP
gujaf-69	176	6	the	the	DET
gujaf-69	176	7	study	study	NOUN
gujaf-69	176	8	the	the	DET
gujaf-69	176	9	following	follow	VERB
gujaf-69	176	10	recommendations	recommendation	NOUN
gujaf-69	176	11	were	be	AUX
gujaf-69	176	12	made	make	VERB
gujaf-69	176	13	.	.	PUNCT
gujaf-69	177	1	i.	i.	PROPN
gujaf-69	177	2	government	government	PROPN
gujaf-69	177	3	and	and	CCONJ
gujaf-69	177	4	relevant	relevant	ADJ
gujaf-69	177	5	authorities	authority	NOUN
gujaf-69	177	6	should	should	AUX
gujaf-69	177	7	formulate	formulate	VERB
gujaf-69	177	8	monetary	monetary	ADJ
gujaf-69	177	9	policies	policy	NOUN
gujaf-69	177	10	aimed	aim	VERB
gujaf-69	177	11	at	at	ADP
gujaf-69	177	12	encouraging	encourage	VERB
gujaf-69	177	13	and	and	CCONJ
gujaf-69	177	14	improved	improve	VERB
gujaf-69	177	15	e	e	NOUN
gujaf-69	177	16	-	-	ADJ
gujaf-69	177	17	payment	payment	NOUN
gujaf-69	177	18	system	system	NOUN
gujaf-69	177	19	so	so	SCONJ
gujaf-69	177	20	as	as	SCONJ
gujaf-69	177	21	to	to	PART
gujaf-69	177	22	actualize	actualize	VERB
gujaf-69	177	23	the	the	DET
gujaf-69	177	24	objective	objective	NOUN
gujaf-69	177	25	of	of	ADP
gujaf-69	177	26	cashless	cashless	NOUN
gujaf-69	177	27	policy	policy	NOUN
gujaf-69	177	28	in	in	ADP
gujaf-69	177	29	adamawa	adamawa	PROPN
gujaf-69	177	30	state	state	PROPN
gujaf-69	177	31	and	and	CCONJ
gujaf-69	177	32	nigeria	nigeria	PROPN
gujaf-69	177	33	.	.	PUNCT
gujaf-69	178	1	ii	ii	PROPN
gujaf-69	178	2	.	.	PUNCT
gujaf-69	179	1	government	government	NOUN
gujaf-69	179	2	,	,	PUNCT
gujaf-69	179	3	commercial	commercial	ADJ
gujaf-69	179	4	banks	bank	NOUN
gujaf-69	179	5	,	,	PUNCT
gujaf-69	179	6	monetary	monetary	ADJ
gujaf-69	179	7	authorities	authority	NOUN
gujaf-69	179	8	(	(	PUNCT
gujaf-69	179	9	cbn	cbn	PROPN
gujaf-69	179	10	)	)	PUNCT
gujaf-69	179	11	and	and	CCONJ
gujaf-69	179	12	service	service	NOUN
gujaf-69	179	13	providers	provider	NOUN
gujaf-69	179	14	(	(	PUNCT
gujaf-69	179	15	mtn	mtn	PROPN
gujaf-69	179	16	,	,	PUNCT
gujaf-69	179	17	glo	glo	PROPN
gujaf-69	179	18	,	,	PUNCT
gujaf-69	179	19	9mobile	9mobile	PROPN
gujaf-69	179	20	airtel	airtel	NOUN
gujaf-69	179	21	)	)	PUNCT
gujaf-69	179	22	should	should	AUX
gujaf-69	179	23	collaborate	collaborate	VERB
gujaf-69	179	24	to	to	PART
gujaf-69	179	25	proffer	proffer	VERB
gujaf-69	179	26	solution	solution	NOUN
gujaf-69	179	27	to	to	ADP
gujaf-69	179	28	the	the	DET
gujaf-69	179	29	challenges	challenge	NOUN
gujaf-69	179	30	facing	face	VERB
gujaf-69	179	31	e	e	NOUN
gujaf-69	179	32	-	-	ADJ
gujaf-69	179	33	payment	payment	NOUN
gujaf-69	179	34	system	system	NOUN
gujaf-69	179	35	(	(	PUNCT
gujaf-69	179	36	network	network	NOUN
gujaf-69	179	37	failure	failure	NOUN
gujaf-69	179	38	,	,	PUNCT
gujaf-69	179	39	illiteracy	illiteracy	NOUN
gujaf-69	179	40	,	,	PUNCT
gujaf-69	179	41	high	high	ADJ
gujaf-69	179	42	bank	bank	NOUN
gujaf-69	179	43	operational	operational	ADJ
gujaf-69	179	44	charges	charge	NOUN
gujaf-69	179	45	,	,	PUNCT
gujaf-69	179	46	cyber	cyber	ADJ
gujaf-69	179	47	security	security	NOUN
gujaf-69	179	48	crime	crime	NOUN
gujaf-69	179	49	and	and	CCONJ
gujaf-69	179	50	lack	lack	NOUN
gujaf-69	179	51	of	of	ADP
gujaf-69	179	52	uniform	uniform	ADJ
gujaf-69	179	53	platform	platform	NOUN
gujaf-69	179	54	operated	operate	VERB
gujaf-69	179	55	by	by	ADP
gujaf-69	179	56	commercial	commercial	ADJ
gujaf-69	179	57	centres	centre	NOUN
gujaf-69	179	58	)	)	PUNCT
gujaf-69	179	59	in	in	ADP
gujaf-69	179	60	order	order	NOUN
gujaf-69	179	61	to	to	PART
gujaf-69	179	62	secure	secure	VERB
gujaf-69	179	63	and	and	CCONJ
gujaf-69	179	64	improve	improve	VERB
gujaf-69	179	65	the	the	DET
gujaf-69	179	66	performance	performance	NOUN
gujaf-69	179	67	of	of	ADP
gujaf-69	179	68	commercial	commercial	ADJ
gujaf-69	179	69	activities	activity	NOUN
gujaf-69	179	70	in	in	ADP
gujaf-69	179	71	yola	yola	PROPN
gujaf-69	179	72	metropolis	metropolis	PROPN
gujaf-69	179	73	of	of	ADP
gujaf-69	179	74	adamawa	adamawa	PROPN
gujaf-69	179	75	state	state	PROPN
gujaf-69	179	76	and	and	CCONJ
gujaf-69	179	77	nigeria	nigeria	PROPN
gujaf-69	179	78	as	as	ADV
gujaf-69	179	79	well	well	ADV
gujaf-69	179	80	iii	iii	X
gujaf-69	179	81	.	.	PUNCT
gujaf-69	180	1	giving	give	VERB
gujaf-69	180	2	the	the	DET
gujaf-69	180	3	importance	importance	NOUN
gujaf-69	180	4	of	of	ADP
gujaf-69	180	5	pos	pos	NOUN
gujaf-69	180	6	as	as	ADP
gujaf-69	180	7	a	a	DET
gujaf-69	180	8	payment	payment	NOUN
gujaf-69	180	9	system	system	NOUN
gujaf-69	180	10	in	in	ADP
gujaf-69	180	11	commercial	commercial	ADJ
gujaf-69	180	12	centres	centre	NOUN
gujaf-69	180	13	,	,	PUNCT
gujaf-69	180	14	it	it	PRON
gujaf-69	180	15	is	be	AUX
gujaf-69	180	16	recommended	recommend	VERB
gujaf-69	180	17	that	that	SCONJ
gujaf-69	180	18	relevant	relevant	ADJ
gujaf-69	180	19	authorities	authority	NOUN
gujaf-69	180	20	(	(	PUNCT
gujaf-69	180	21	cbn	cbn	PROPN
gujaf-69	180	22	,	,	PUNCT
gujaf-69	180	23	ncc	ncc	PROPN
gujaf-69	180	24	,	,	PUNCT
gujaf-69	180	25	)	)	PUNCT
gujaf-69	180	26	should	should	AUX
gujaf-69	180	27	make	make	VERB
gujaf-69	180	28	sure	sure	ADJ
gujaf-69	180	29	it	it	PRON
gujaf-69	180	30	is	be	AUX
gujaf-69	180	31	secured	secure	VERB
gujaf-69	180	32	,	,	PUNCT
gujaf-69	180	33	utilize	utilize	VERB
gujaf-69	180	34	effectively	effectively	ADV
gujaf-69	180	35	,	,	PUNCT
gujaf-69	180	36	and	and	CCONJ
gujaf-69	180	37	as	as	ADV
gujaf-69	180	38	well	well	ADV
gujaf-69	180	39	provide	provide	VERB
gujaf-69	180	40	services	service	NOUN
gujaf-69	180	41	constantly	constantly	ADV
gujaf-69	180	42	in	in	ADP
gujaf-69	180	43	other	other	ADJ
gujaf-69	180	44	facilitates	facilitate	VERB
gujaf-69	180	45	it	it	PRON
gujaf-69	180	46	smooth	smooth	ADJ
gujaf-69	180	47	usage	usage	NOUN
gujaf-69	180	48	in	in	ADP
gujaf-69	180	49	other	other	ADJ
gujaf-69	180	50	to	to	PART
gujaf-69	180	51	improve	improve	VERB
gujaf-69	180	52	the	the	DET
gujaf-69	180	53	performance	performance	NOUN
gujaf-69	180	54	of	of	ADP
gujaf-69	180	55	commercial	commercial	ADJ
gujaf-69	180	56	activities	activity	NOUN
gujaf-69	180	57	in	in	ADP
gujaf-69	180	58	yola	yola	PROPN
gujaf-69	180	59	metropolis	metropolis	PROPN
gujaf-69	180	60	.	.	PUNCT
gujaf-69	181	1	iv	iv	X
gujaf-69	181	2	.	.	PUNCT
gujaf-69	182	1	the	the	DET
gujaf-69	182	2	study	study	NOUN
gujaf-69	182	3	also	also	ADV
gujaf-69	182	4	recommended	recommend	VERB
gujaf-69	182	5	that	that	SCONJ
gujaf-69	182	6	mobile	mobile	ADJ
gujaf-69	182	7	banking	banking	NOUN
gujaf-69	182	8	should	should	AUX
gujaf-69	182	9	be	be	AUX
gujaf-69	182	10	strictly	strictly	ADV
gujaf-69	182	11	secured	secure	VERB
gujaf-69	182	12	and	and	CCONJ
gujaf-69	182	13	monitored	monitor	VERB
gujaf-69	182	14	in	in	ADP
gujaf-69	182	15	order	order	NOUN
gujaf-69	182	16	reduce	reduce	VERB
gujaf-69	182	17	the	the	DET
gujaf-69	182	18	risk	risk	NOUN
gujaf-69	182	19	of	of	ADP
gujaf-69	182	20	fraud	fraud	NOUN
gujaf-69	182	21	.	.	PUNCT
gujaf-69	183	1	also	also	ADV
gujaf-69	183	2	service	service	NOUN
gujaf-69	183	3	providers	provider	NOUN
gujaf-69	183	4	should	should	AUX
gujaf-69	183	5	improve	improve	VERB
gujaf-69	183	6	the	the	DET
gujaf-69	183	7	quality	quality	NOUN
gujaf-69	183	8	of	of	ADP
gujaf-69	183	9	services	service	NOUN
gujaf-69	183	10	needed	need	VERB
gujaf-69	183	11	by	by	ADP
gujaf-69	183	12	the	the	DET
gujaf-69	183	13	mobile	mobile	ADJ
gujaf-69	183	14	banking	banking	NOUN
gujaf-69	183	15	users	user	NOUN
gujaf-69	183	16	in	in	ADP
gujaf-69	183	17	yola	yola	PROPN
gujaf-69	183	18	metropolis	metropolis	PROPN
gujaf-69	183	19	.	.	PUNCT
gujaf-69	184	1	v.	v.	ADP
gujaf-69	184	2	government	government	NOUN
gujaf-69	184	3	,	,	PUNCT
gujaf-69	184	4	monetary	monetary	ADJ
gujaf-69	184	5	authorities	authority	NOUN
gujaf-69	184	6	and	and	CCONJ
gujaf-69	184	7	commercial	commercial	ADJ
gujaf-69	184	8	centres	centre	NOUN
gujaf-69	184	9	owners	owner	NOUN
gujaf-69	184	10	should	should	AUX
gujaf-69	184	11	educate	educate	VERB
gujaf-69	184	12	and	and	CCONJ
gujaf-69	184	13	enlighten	enlighten	VERB
gujaf-69	184	14	the	the	DET
gujaf-69	184	15	people	people	NOUN
gujaf-69	184	16	on	on	ADP
gujaf-69	184	17	the	the	DET
gujaf-69	184	18	advantages	advantage	NOUN
gujaf-69	184	19	of	of	ADP
gujaf-69	184	20	using	use	VERB
gujaf-69	184	21	e	e	NOUN
gujaf-69	184	22	-	-	ADJ
gujaf-69	184	23	payment	payment	NOUN
gujaf-69	184	24	product	product	NOUN
gujaf-69	184	25	(	(	PUNCT
gujaf-69	184	26	pos	pos	NOUN
gujaf-69	184	27	,	,	PUNCT
gujaf-69	184	28	mobile	mobile	ADJ
gujaf-69	184	29	banking	banking	NOUN
gujaf-69	184	30	)	)	PUNCT
gujaf-69	184	31	in	in	ADP
gujaf-69	184	32	buying	buy	VERB
gujaf-69	184	33	and	and	CCONJ
gujaf-69	184	34	selling	sell	VERB
gujaf-69	184	35	goods	good	NOUN
gujaf-69	184	36	and	and	CCONJ
gujaf-69	184	37	services	service	NOUN
gujaf-69	184	38	in	in	ADP
gujaf-69	184	39	yola	yola	PROPN
gujaf-69	184	40	metropolis	metropolis	PROPN
gujaf-69	184	41	and	and	CCONJ
gujaf-69	184	42	adamawa	adamawa	PROPN
gujaf-69	184	43	state	state	NOUN
gujaf-69	184	44	in	in	ADP
gujaf-69	184	45	general	general	ADJ
gujaf-69	184	46	.	.	PUNCT
gujaf-69	185	1	references	reference	NOUN
gujaf-69	185	2	adeoti	adeoti	PROPN
gujaf-69	185	3	,	,	PUNCT
gujaf-69	185	4	o.	o.	INTJ
gujaf-69	185	5	(	(	PUNCT
gujaf-69	185	6	2013	2013	NUM
gujaf-69	185	7	)	)	PUNCT
gujaf-69	185	8	.	.	PUNCT
gujaf-69	186	1	challenges	challenge	NOUN
gujaf-69	186	2	to	to	ADP
gujaf-69	186	3	the	the	DET
gujaf-69	186	4	efficient	efficient	ADJ
gujaf-69	186	5	use	use	NOUN
gujaf-69	186	6	of	of	ADP
gujaf-69	186	7	point	point	NOUN
gujaf-69	186	8	of	of	ADP
gujaf-69	186	9	sale	sale	NOUN
gujaf-69	186	10	terminals	terminal	NOUN
gujaf-69	186	11	in	in	ADP
gujaf-69	186	12	nigeria	nigeria	PROPN
gujaf-69	186	13	.	.	PUNCT
gujaf-69	187	1	african	african	ADJ
gujaf-69	187	2	journal	journal	PROPN
gujaf-69	187	3	of	of	ADP
gujaf-69	187	4	business	business	NOUN
gujaf-69	187	5	management	management	NOUN
gujaf-69	187	6	,	,	PUNCT
gujaf-69	187	7	7(28	7(28	NUM
gujaf-69	187	8	)	)	PUNCT
gujaf-69	187	9	,	,	PUNCT
gujaf-69	187	10	2801	2801	NUM
gujaf-69	187	11	-	-	SYM
gujaf-69	187	12	2806	2806	NUM
gujaf-69	187	13	gusau	gusau	ADJ
gujaf-69	187	14	journal	journal	NOUN
gujaf-69	187	15	of	of	ADP
gujaf-69	187	16	accounting	accounting	NOUN
gujaf-69	187	17	and	and	CCONJ
gujaf-69	187	18	finance	finance	NOUN
gujaf-69	187	19	,	,	PUNCT
gujaf-69	187	20	vol	vol	NOUN
gujaf-69	187	21	.	.	PROPN
gujaf-69	187	22	2	2	NUM
gujaf-69	187	23	,	,	PUNCT
gujaf-69	187	24	issue	issue	NOUN
gujaf-69	187	25	2	2	NUM
gujaf-69	187	26	,	,	PUNCT
gujaf-69	187	27	april	april	PROPN
gujaf-69	187	28	,	,	PUNCT
gujaf-69	187	29	2021	2021	NUM
gujaf-69	187	30	11	11	NUM
gujaf-69	187	31	akerejola	akerejola	PROPN
gujaf-69	187	32	,	,	PUNCT
gujaf-69	187	33	w.	w.	PROPN
gujaf-69	187	34	o	o	PROPN
gujaf-69	187	35	,	,	PUNCT
gujaf-69	187	36	(	(	PUNCT
gujaf-69	187	37	2017	2017	NUM
gujaf-69	187	38	)	)	PUNCT
gujaf-69	187	39	.	.	PUNCT
gujaf-69	188	1	determinants	determinant	NOUN
gujaf-69	188	2	and	and	CCONJ
gujaf-69	188	3	adoption	adoption	NOUN
gujaf-69	188	4	of	of	ADP
gujaf-69	188	5	point	point	NOUN
gujaf-69	188	6	of	of	ADP
gujaf-69	188	7	sales	sale	NOUN
gujaf-69	188	8	of	of	ADP
gujaf-69	188	9	selected	select	VERB
gujaf-69	188	10	business	business	NOUN
gujaf-69	188	11	organizations	organization	NOUN
gujaf-69	188	12	in	in	ADP
gujaf-69	188	13	lagos	lagos	PROPN
gujaf-69	188	14	state	state	NOUN
gujaf-69	188	15	,	,	PUNCT
gujaf-69	188	16	nigeria	nigeria	PROPN
gujaf-69	188	17	.	.	PUNCT
gujaf-69	189	1	ph.d	ph.d	PROPN
gujaf-69	189	2	thesis	thesis	NOUN
gujaf-69	189	3	submitted	submit	VERB
gujaf-69	189	4	in	in	ADP
gujaf-69	189	5	the	the	DET
gujaf-69	189	6	department	department	NOUN
gujaf-69	189	7	of	of	ADP
gujaf-69	189	8	business	business	PROPN
gujaf-69	189	9	administration	administration	PROPN
gujaf-69	189	10	and	and	CCONJ
gujaf-69	189	11	marketing	marketing	NOUN
gujaf-69	189	12	school	school	NOUN
gujaf-69	189	13	of	of	ADP
gujaf-69	189	14	management	management	NOUN
gujaf-69	189	15	sciences	sciences	PROPN
gujaf-69	189	16	babcock	babcock	PROPN
gujaf-69	189	17	university	university	PROPN
gujaf-69	189	18	ilisanremo	ilisanremo	PROPN
gujaf-69	189	19	ogun	ogun	PROPN
gujaf-69	189	20	state	state	PROPN
gujaf-69	189	21	nigeria	nigeria	PROPN
gujaf-69	189	22	akwaja	akwaja	PROPN
gujaf-69	189	23	,	,	PUNCT
gujaf-69	189	24	c.	c.	PROPN
gujaf-69	189	25	(	(	PUNCT
gujaf-69	189	26	2010	2010	NUM
gujaf-69	189	27	)	)	PUNCT
gujaf-69	189	28	.	.	PUNCT
gujaf-69	190	1	nigeria	nigeria	PROPN
gujaf-69	190	2	connects	connect	VERB
gujaf-69	190	3	99	99	NUM
gujaf-69	190	4	million	million	NUM
gujaf-69	190	5	subscribers	subscriber	NOUN
gujaf-69	190	6	,	,	PUNCT
gujaf-69	190	7	fin	fin	NOUN
gujaf-69	190	8	.	.	PUNCT
gujaf-69	190	9	standard	standard	PROPN
gujaf-69	190	10	.	.	PUNCT
gujaf-69	190	11	,	,	PUNCT
gujaf-69	190	12	10	10	NUM
gujaf-69	190	13	:	:	SYM
gujaf-69	190	14	15	15	NUM
gujaf-69	190	15	-	-	SYM
gujaf-69	190	16	512	512	NUM
gujaf-69	190	17	ayo	ayo	PROPN
gujaf-69	190	18	,	,	PUNCT
gujaf-69	190	19	c.k	c.k	PROPN
gujaf-69	190	20	.	.	PUNCT
gujaf-69	191	1	(	(	PUNCT
gujaf-69	191	2	2009	2009	NUM
gujaf-69	191	3	)	)	PUNCT
gujaf-69	191	4	.	.	PUNCT
gujaf-69	192	1	information	information	NOUN
gujaf-69	192	2	systems	system	NOUN
gujaf-69	192	3	and	and	CCONJ
gujaf-69	192	4	technologies	technology	NOUN
gujaf-69	192	5	.	.	PUNCT
gujaf-69	193	1	mckay	mckay	PROPN
gujaf-69	193	2	educational	educational	ADJ
gujaf-69	193	3	series	series	PROPN
gujaf-69	193	4	,	,	PUNCT
gujaf-69	193	5	p.	p.	NOUN
gujaf-69	193	6	649	649	NUM
gujaf-69	193	7	.	.	PUNCT
gujaf-69	194	1	ayodele	ayodele	PROPN
gujaf-69	194	2	,	,	PUNCT
gujaf-69	194	3	t.	t.	PROPN
gujaf-69	194	4	d.	d.	PROPN
gujaf-69	194	5	(	(	PUNCT
gujaf-69	194	6	2014	2014	NUM
gujaf-69	194	7	)	)	PUNCT
gujaf-69	194	8	.	.	PUNCT
gujaf-69	195	1	electronic	electronic	ADJ
gujaf-69	195	2	banking	banking	NOUN
gujaf-69	195	3	in	in	ADP
gujaf-69	195	4	nigeria	nigeria	PROPN
gujaf-69	195	5	:	:	PUNCT
gujaf-69	195	6	challenges	challenge	NOUN
gujaf-69	195	7	and	and	CCONJ
gujaf-69	195	8	prospects	prospect	NOUN
gujaf-69	195	9	,	,	PUNCT
gujaf-69	195	10	international	international	ADJ
gujaf-69	195	11	journal	journal	NOUN
gujaf-69	195	12	of	of	ADP
gujaf-69	195	13	finance	finance	NOUN
gujaf-69	195	14	management	management	NOUN
gujaf-69	195	15	,	,	PUNCT
gujaf-69	195	16	india	india	PROPN
gujaf-69	195	17	,	,	PUNCT
gujaf-69	195	18	8(69	8(69	NUM
gujaf-69	195	19	)	)	PUNCT
gujaf-69	195	20	22912	22912	NUM
gujaf-69	195	21	-	-	SYM
gujaf-69	195	22	22915	22915	NUM
gujaf-69	195	23	ayodele	ayodele	NOUN
gujaf-69	195	24	,	,	PUNCT
gujaf-69	195	25	t.d	t.d	PROPN
gujaf-69	195	26	.	.	PUNCT
gujaf-69	196	1	(	(	PUNCT
gujaf-69	196	2	2015).nigerian	2015).nigerian	ADJ
gujaf-69	196	3	payment	payment	NOUN
gujaf-69	196	4	systems	system	NOUN
gujaf-69	196	5	through	through	ADP
gujaf-69	196	6	electronic	electronic	ADJ
gujaf-69	196	7	banking	banking	NOUN
gujaf-69	196	8	:	:	PUNCT
gujaf-69	196	9	a	a	DET
gujaf-69	196	10	review	review	NOUN
gujaf-69	196	11	.	.	PUNCT
gujaf-69	197	1	international	international	ADJ
gujaf-69	197	2	journal	journal	NOUN
gujaf-69	197	3	of	of	ADP
gujaf-69	197	4	transformations	transformation	NOUN
gujaf-69	197	5	in	in	ADP
gujaf-69	197	6	business	business	NOUN
gujaf-69	197	7	management	management	NOUN
gujaf-69	197	8	vol.8(5	vol.8(5	NOUN
gujaf-69	197	9	)	)	PUNCT
gujaf-69	197	10	2231	2231	NUM
gujaf-69	197	11	-	-	SYM
gujaf-69	197	12	6868	6868	NUM
gujaf-69	197	13	.	.	PUNCT
gujaf-69	198	1	baddeley	baddeley	NOUN
gujaf-69	198	2	,	,	PUNCT
gujaf-69	198	3	m.	m.	NOUN
gujaf-69	198	4	(	(	PUNCT
gujaf-69	198	5	2004	2004	NUM
gujaf-69	198	6	)	)	PUNCT
gujaf-69	198	7	.	.	PUNCT
gujaf-69	199	1	using	use	VERB
gujaf-69	199	2	e	e	NOUN
gujaf-69	199	3	-	-	NOUN
gujaf-69	199	4	cash	cash	NOUN
gujaf-69	199	5	in	in	ADP
gujaf-69	199	6	the	the	DET
gujaf-69	199	7	new	new	ADJ
gujaf-69	199	8	economy	economy	NOUN
gujaf-69	199	9	:	:	PUNCT
gujaf-69	199	10	an	an	DET
gujaf-69	199	11	economic	economic	ADJ
gujaf-69	199	12	analysis	analysis	NOUN
gujaf-69	199	13	of	of	ADP
gujaf-69	199	14	micropayment	micropayment	NOUN
gujaf-69	199	15	systems	system	NOUN
gujaf-69	199	16	,	,	PUNCT
gujaf-69	199	17	journal	journal	NOUN
gujaf-69	199	18	of	of	ADP
gujaf-69	199	19	electronic	electronic	ADJ
gujaf-69	199	20	research	research	NOUN
gujaf-69	199	21	,	,	PUNCT
gujaf-69	199	22	5(7	5(7	NUM
gujaf-69	199	23	)	)	PUNCT
gujaf-69	199	24	239	239	NUM
gujaf-69	199	25	-	-	SYM
gujaf-69	199	26	253	253	NUM
gujaf-69	199	27	.	.	PUNCT
gujaf-69	200	1	becker	becker	PROPN
gujaf-69	200	2	,	,	PUNCT
gujaf-69	200	3	l.	l.	PROPN
gujaf-69	200	4	,	,	PUNCT
gujaf-69	200	5	chammard	chammard	PROPN
gujaf-69	200	6	b.	b.	PROPN
gujaf-69	200	7	,	,	PUNCT
gujaf-69	200	8	hussein	hussein	PROPN
gujaf-69	200	9	w.	w.	PROPN
gujaf-69	200	10	,	,	PUNCT
gujaf-69	200	11	kotsuji	kotsuji	PROPN
gujaf-69	200	12	y.	y.	PROPN
gujaf-69	200	13	,	,	PUNCT
gujaf-69	200	14	&	&	CCONJ
gujaf-69	200	15	quagraine	quagraine	PROPN
gujaf-69	200	16	n.	n.	PROPN
gujaf-69	200	17	(	(	PUNCT
gujaf-69	200	18	2008	2008	NUM
gujaf-69	200	19	)	)	PUNCT
gujaf-69	200	20	.	.	PUNCT
gujaf-69	201	1	nigeria	nigeria	PROPN
gujaf-69	201	2	financial	financial	PROPN
gujaf-69	201	3	services	service	NOUN
gujaf-69	201	4	cluster	cluster	NOUN
gujaf-69	201	5	analysis	analysis	NOUN
gujaf-69	201	6	and	and	CCONJ
gujaf-69	201	7	recommendation	recommendation	NOUN
gujaf-69	201	8	,	,	PUNCT
gujaf-69	201	9	the	the	DET
gujaf-69	201	10	microeconomics	microeconomics	NOUN
gujaf-69	201	11	of	of	ADP
gujaf-69	201	12	competitiveness	competitiveness	NOUN
gujaf-69	201	13	:	:	PUNCT
gujaf-69	201	14	firms	firm	NOUN
gujaf-69	201	15	,	,	PUNCT
gujaf-69	201	16	clusters	cluster	NOUN
gujaf-69	201	17	&	&	CCONJ
gujaf-69	201	18	economic	economic	ADJ
gujaf-69	201	19	development	development	NOUN
gujaf-69	201	20	,	,	PUNCT
gujaf-69	201	21	p.	p.	NOUN
gujaf-69	201	22	1	1	NUM
gujaf-69	201	23	chibueze	chibueze	PROPN
gujaf-69	201	24	,	,	PUNCT
gujaf-69	201	25	a.	a.	NOUN
gujaf-69	201	26	,	,	PUNCT
gujaf-69	201	27	u.	u.	PROPN
gujaf-69	201	28	m.	m.	NOUN
gujaf-69	201	29	(	(	PUNCT
gujaf-69	201	30	2005	2005	NUM
gujaf-69	201	31	)	)	PUNCT
gujaf-69	201	32	.	.	PUNCT
gujaf-69	202	1	domestic	domestic	ADJ
gujaf-69	202	2	electronic	electronic	ADJ
gujaf-69	202	3	payment	payment	NOUN
gujaf-69	202	4	in	in	ADP
gujaf-69	202	5	nigeria	nigeria	PROPN
gujaf-69	202	6	:	:	PUNCT
gujaf-69	202	7	the	the	DET
gujaf-69	202	8	challenges	challenge	NOUN
gujaf-69	202	9	.	.	PUNCT
gujaf-69	203	1	central	central	ADJ
gujaf-69	203	2	bank	bank	PROPN
gujaf-69	203	3	of	of	ADP
gujaf-69	203	4	nigeria	nigeria	PROPN
gujaf-69	203	5	bullion	bullion	NOUN
gujaf-69	203	6	,	,	PUNCT
gujaf-69	203	7	vol	vol	NOUN
gujaf-69	203	8	.	.	PUNCT
gujaf-69	204	1	29(1	29(1	NUM
gujaf-69	204	2	)	)	PUNCT
gujaf-69	204	3	davidson	davidson	NOUN
gujaf-69	204	4	,	,	PUNCT
gujaf-69	204	5	a.	a.	NOUN
gujaf-69	204	6	(	(	PUNCT
gujaf-69	204	7	2015	2015	NUM
gujaf-69	204	8	)	)	PUNCT
gujaf-69	204	9	.	.	PUNCT
gujaf-69	205	1	an	an	DET
gujaf-69	205	2	appraisal	appraisal	NOUN
gujaf-69	205	3	of	of	ADP
gujaf-69	205	4	electronic	electronic	ADJ
gujaf-69	205	5	payment	payment	NOUN
gujaf-69	205	6	infrastructure	infrastructure	NOUN
gujaf-69	205	7	towards	towards	ADP
gujaf-69	205	8	an	an	DET
gujaf-69	205	9	efficient	efficient	ADJ
gujaf-69	205	10	cashless	cashless	NOUN
gujaf-69	205	11	policy	policy	NOUN
gujaf-69	205	12	in	in	ADP
gujaf-69	205	13	nigeria.seminar	nigeria.seminar	PROPN
gujaf-69	205	14	paper	paper	NOUN
gujaf-69	205	15	.	.	PUNCT
gujaf-69	206	1	department	department	NOUN
gujaf-69	206	2	of	of	ADP
gujaf-69	206	3	computer	computer	NOUN
gujaf-69	206	4	science	science	NOUN
gujaf-69	206	5	,	,	PUNCT
gujaf-69	206	6	collage	collage	NOUN
gujaf-69	206	7	of	of	ADP
gujaf-69	206	8	education	education	NOUN
gujaf-69	206	9	warry	warry	NOUN
gujaf-69	206	10	.	.	PUNCT
gujaf-69	207	1	funmilola	funmilola	PROPN
gujaf-69	207	2	omotayo	omotayo	VERB
gujaf-69	207	3	,	,	PUNCT
gujaf-69	207	4	and	and	CCONJ
gujaf-69	207	5	oluwatobi	oluwatobi	PROPN
gujaf-69	207	6	dahunsi	dahunsi	PROPN
gujaf-69	207	7	(	(	PUNCT
gujaf-69	207	8	2015).factors	2015).factors	NUM
gujaf-69	207	9	affecting	affect	VERB
gujaf-69	207	10	adoption	adoption	NOUN
gujaf-69	207	11	of	of	ADP
gujaf-69	207	12	point	point	NOUN
gujaf-69	207	13	of	of	ADP
gujaf-69	207	14	sale	sale	NOUN
gujaf-69	207	15	terminals	terminal	NOUN
gujaf-69	207	16	by	by	ADP
gujaf-69	207	17	business	business	NOUN
gujaf-69	207	18	organisations	organisation	NOUN
gujaf-69	207	19	in	in	ADP
gujaf-69	207	20	nigeria	nigeria	PROPN
gujaf-69	207	21	.	.	PUNCT
gujaf-69	208	1	international	international	ADJ
gujaf-69	208	2	journal	journal	PROPN
gujaf-69	208	3	of	of	ADP
gujaf-69	208	4	academic	academic	ADJ
gujaf-69	208	5	research	research	NOUN
gujaf-69	208	6	in	in	ADP
gujaf-69	208	7	business	business	NOUN
gujaf-69	208	8	and	and	CCONJ
gujaf-69	208	9	social	social	ADJ
gujaf-69	208	10	sciences	science	NOUN
gujaf-69	208	11	.	.	PUNCT
gujaf-69	209	1	5(10	5(10	NUM
gujaf-69	209	2	)	)	PUNCT
gujaf-69	209	3	igudia	igudia	PROPN
gujaf-69	209	4	,	,	PUNCT
gujaf-69	209	5	p.o	p.o	PROPN
gujaf-69	209	6	.	.	PROPN
gujaf-69	209	7	(	(	PUNCT
gujaf-69	209	8	2016	2016	NUM
gujaf-69	209	9	)	)	PUNCT
gujaf-69	209	10	,	,	PUNCT
gujaf-69	209	11	factors	factor	NOUN
gujaf-69	209	12	influencing	influence	VERB
gujaf-69	209	13	the	the	DET
gujaf-69	209	14	use	use	NOUN
gujaf-69	209	15	of	of	ADP
gujaf-69	209	16	e	e	NOUN
gujaf-69	209	17	-	-	NOUN
gujaf-69	209	18	payment	payment	NOUN
gujaf-69	209	19	systems	system	NOUN
gujaf-69	209	20	by	by	ADP
gujaf-69	209	21	smes	sme	NOUN
gujaf-69	209	22	in	in	ADP
gujaf-69	209	23	nigeria	nigeria	PROPN
gujaf-69	209	24	,	,	PUNCT
gujaf-69	209	25	lap	lap	PROPN
gujaf-69	209	26	lambert	lambert	PROPN
gujaf-69	209	27	academic	academic	PROPN
gujaf-69	209	28	publishing	publishing	NOUN
gujaf-69	209	29	,	,	PUNCT
gujaf-69	209	30	germany	germany	PROPN
gujaf-69	209	31	information	information	NOUN
gujaf-69	209	32	technology	technology	PROPN
gujaf-69	209	33	.	.	PUNCT
gujaf-69	210	1	mis	mis	PROPN
gujaf-69	210	2	quarterly	quarterly	PROPN
gujaf-69	210	3	,	,	PUNCT
gujaf-69	210	4	319340	319340	NUM
gujaf-69	210	5	.	.	PUNCT
gujaf-69	211	1	joan,.w.m.(2018	joan,.w.m.(2018	NOUN
gujaf-69	211	2	)	)	PUNCT
gujaf-69	211	3	.	.	PUNCT
gujaf-69	212	1	effect	effect	NOUN
gujaf-69	212	2	of	of	ADP
gujaf-69	212	3	mobile	mobile	ADJ
gujaf-69	212	4	banking	banking	NOUN
gujaf-69	212	5	adoption	adoption	NOUN
gujaf-69	212	6	on	on	ADP
gujaf-69	212	7	the	the	DET
gujaf-69	212	8	performance	performance	NOUN
gujaf-69	212	9	of	of	ADP
gujaf-69	212	10	small	small	ADJ
gujaf-69	212	11	and	and	CCONJ
gujaf-69	212	12	medium	medium	ADJ
gujaf-69	212	13	enterprises	enterprise	NOUN
gujaf-69	212	14	in	in	ADP
gujaf-69	212	15	nairobi	nairobi	PROPN
gujaf-69	212	16	county	county	PROPN
gujaf-69	212	17	.	.	PUNCT
gujaf-69	213	1	international	international	ADJ
gujaf-69	213	2	journal	journal	PROPN
gujaf-69	213	3	of	of	ADP
gujaf-69	213	4	economics	economic	NOUN
gujaf-69	213	5	,	,	PUNCT
gujaf-69	213	6	business	business	NOUN
gujaf-69	213	7	and	and	CCONJ
gujaf-69	213	8	management	management	NOUN
gujaf-69	213	9	research	research	NOUN
gujaf-69	213	10	,	,	PUNCT
gujaf-69	213	11	2(4	2(4	NUM
gujaf-69	213	12	)	)	PUNCT
gujaf-69	213	13	,	,	PUNCT
gujaf-69	213	14	445	445	NUM
gujaf-69	213	15	-	-	SYM
gujaf-69	213	16	486	486	NUM
gujaf-69	213	17	khan	khan	PROPN
gujaf-69	213	18	,	,	PUNCT
gujaf-69	213	19	a.r	a.r	PROPN
gujaf-69	213	20	.	.	PROPN
gujaf-69	213	21	and	and	CCONJ
gujaf-69	213	22	karim	karim	PROPN
gujaf-69	213	23	,	,	PUNCT
gujaf-69	213	24	m.	m.	NOUN
gujaf-69	213	25	(	(	PUNCT
gujaf-69	213	26	2010	2010	NUM
gujaf-69	213	27	)	)	PUNCT
gujaf-69	213	28	.	.	PUNCT
gujaf-69	214	1	e	e	X
gujaf-69	214	2	-	-	NOUN
gujaf-69	214	3	banking	banking	NOUN
gujaf-69	214	4	and	and	CCONJ
gujaf-69	214	5	extended	extended	ADJ
gujaf-69	214	6	risks	risk	NOUN
gujaf-69	214	7	:	:	PUNCT
gujaf-69	214	8	how	how	SCONJ
gujaf-69	214	9	to	to	PART
gujaf-69	214	10	deal	deal	VERB
gujaf-69	214	11	with	with	ADP
gujaf-69	214	12	the	the	DET
gujaf-69	214	13	challenge	challenge	NOUN
gujaf-69	214	14	,	,	PUNCT
gujaf-69	214	15	paper	paper	NOUN
gujaf-69	214	16	presented	present	VERB
gujaf-69	214	17	to	to	ADP
gujaf-69	214	18	the	the	DET
gujaf-69	214	19	department	department	NOUN
gujaf-69	214	20	of	of	ADP
gujaf-69	214	21	finance	finance	NOUN
gujaf-69	214	22	and	and	CCONJ
gujaf-69	214	23	banking	banking	NOUN
gujaf-69	214	24	,	,	PUNCT
gujaf-69	214	25	rajshahi	rajshahi	PROPN
gujaf-69	214	26	university	university	PROPN
gujaf-69	214	27	,	,	PUNCT
gujaf-69	214	28	pp.17	pp.17	ADJ
gujaf-69	214	29	kurkarni	kurkarni	NOUN
gujaf-69	214	30	,	,	PUNCT
gujaf-69	214	31	a.t	a.t	PROPN
gujaf-69	214	32	.	.	PROPN
gujaf-69	214	33	(	(	PUNCT
gujaf-69	214	34	2004	2004	NUM
gujaf-69	214	35	)	)	PUNCT
gujaf-69	214	36	.	.	PUNCT
gujaf-69	215	1	enhancing	enhance	VERB
gujaf-69	215	2	the	the	DET
gujaf-69	215	3	efficiency	efficiency	NOUN
gujaf-69	215	4	of	of	ADP
gujaf-69	215	5	the	the	DET
gujaf-69	215	6	payment	payment	NOUN
gujaf-69	215	7	system	system	NOUN
gujaf-69	215	8	:	:	PUNCT
gujaf-69	215	9	conceptual	conceptual	ADJ
gujaf-69	215	10	framework	framework	NOUN
gujaf-69	215	11	.	.	PUNCT
gujaf-69	216	1	a	a	DET
gujaf-69	216	2	paper	paper	NOUN
gujaf-69	216	3	presented	present	VERB
gujaf-69	216	4	at	at	ADP
gujaf-69	216	5	the	the	DET
gujaf-69	216	6	9th	9th	ADJ
gujaf-69	216	7	cbn	cbn	ADJ
gujaf-69	216	8	monetary	monetary	ADJ
gujaf-69	216	9	policy	policy	NOUN
gujaf-69	216	10	forum	forum	PROPN
gujaf-69	216	11	,	,	PUNCT
gujaf-69	216	12	abuja	abuja	PROPN
gujaf-69	216	13	.	.	PUNCT
gujaf-69	217	1	liao	liao	PROPN
gujaf-69	217	2	,	,	PUNCT
gujaf-69	217	3	z.	z.	PROPN
gujaf-69	217	4	&	&	CCONJ
gujaf-69	217	5	cheung	cheung	PROPN
gujaf-69	217	6	,	,	PUNCT
gujaf-69	217	7	m.t	m.t	PROPN
gujaf-69	217	8	.	.	PROPN
gujaf-69	217	9	(	(	PUNCT
gujaf-69	217	10	2002	2002	NUM
gujaf-69	217	11	)	)	PUNCT
gujaf-69	217	12	.	.	PUNCT
gujaf-69	218	1	internet	internet	NOUN
gujaf-69	218	2	-	-	PUNCT
gujaf-69	218	3	based	base	VERB
gujaf-69	218	4	e	e	NOUN
gujaf-69	218	5	-	-	NOUN
gujaf-69	218	6	banking	banking	NOUN
gujaf-69	218	7	and	and	CCONJ
gujaf-69	218	8	consumer	consumer	NOUN
gujaf-69	218	9	attitudes	attitude	NOUN
gujaf-69	218	10	:	:	PUNCT
gujaf-69	218	11	an	an	DET
gujaf-69	218	12	empirical	empirical	ADJ
gujaf-69	218	13	study	study	NOUN
gujaf-69	218	14	,	,	PUNCT
gujaf-69	218	15	journal	journal	NOUN
gujaf-69	218	16	of	of	ADP
gujaf-69	218	17	information	information	NOUN
gujaf-69	218	18	and	and	CCONJ
gujaf-69	218	19	management	management	NOUN
gujaf-69	218	20	,	,	PUNCT
gujaf-69	218	21	39	39	NUM
gujaf-69	218	22	(	(	PUNCT
gujaf-69	218	23	4	4	NUM
gujaf-69	218	24	)	)	PUNCT
gujaf-69	218	25	,	,	PUNCT
gujaf-69	218	26	283	283	NUM
gujaf-69	218	27	–	–	SYM
gujaf-69	218	28	295	295	NUM
gujaf-69	218	29	.	.	PUNCT
gujaf-69	219	1	nnaka	nnaka	NOUN
gujaf-69	219	2	,	,	PUNCT
gujaf-69	219	3	p.	p.	NOUN
gujaf-69	219	4	(	(	PUNCT
gujaf-69	219	5	2009	2009	NUM
gujaf-69	219	6	)	)	PUNCT
gujaf-69	219	7	.	.	PUNCT
gujaf-69	220	1	the	the	DET
gujaf-69	220	2	nigeria	nigeria	PROPN
gujaf-69	220	3	e	e	ADJ
gujaf-69	220	4	-	-	NOUN
gujaf-69	220	5	payment	payment	NOUN
gujaf-69	220	6	system	system	NOUN
gujaf-69	220	7	,	,	PUNCT
gujaf-69	220	8	nigeria	nigeria	PROPN
gujaf-69	220	9	monthly	monthly	ADV
gujaf-69	220	10	,	,	PUNCT
gujaf-69	220	11	international	international	ADJ
gujaf-69	220	12	journal	journal	NOUN
gujaf-69	220	13	of	of	ADP
gujaf-69	220	14	economics	economic	NOUN
gujaf-69	220	15	and	and	CCONJ
gujaf-69	220	16	finance	finance	NOUN
gujaf-69	220	17	,	,	PUNCT
gujaf-69	220	18	4(8	4(8	NUM
gujaf-69	220	19	)	)	PUNCT
gujaf-69	220	20	25	25	NUM
gujaf-69	220	21	-	-	SYM
gujaf-69	220	22	27	27	NUM
gujaf-69	220	23	.	.	PUNCT
gujaf-69	221	1	oginni	oginni	PROPN
gujaf-69	221	2	s.o	s.o	PROPN
gujaf-69	221	3	,	,	PUNCT
gujaf-69	221	4	el	el	PROPN
gujaf-69	221	5	-	-	PROPN
gujaf-69	221	6	maude	maude	PROPN
gujaf-69	221	7	j.	j.	PROPN
gujaf-69	221	8	g	g	PROPN
gujaf-69	221	9	,	,	PUNCT
gujaf-69	221	10	mohammed	mohammed	PROPN
gujaf-69	221	11	a	a	PROPN
gujaf-69	221	12	,	,	PUNCT
gujaf-69	221	13	michael	michael	PROPN
gujaf-69	221	14	e	e	PROPN
gujaf-69	221	15	,	,	PUNCT
gujaf-69	221	16	o	o	X
gujaf-69	221	17	(	(	PUNCT
gujaf-69	221	18	2013	2013	NUM
gujaf-69	221	19	)	)	PUNCT
gujaf-69	221	20	.	.	PUNCT
gujaf-69	222	1	electronic	electronic	ADJ
gujaf-69	222	2	payment	payment	NOUN
gujaf-69	222	3	system	system	NOUN
gujaf-69	222	4	and	and	CCONJ
gujaf-69	222	5	economic	economic	ADJ
gujaf-69	222	6	growth	growth	NOUN
gujaf-69	222	7	:	:	PUNCT
gujaf-69	222	8	a	a	DET
gujaf-69	222	9	review	review	NOUN
gujaf-69	222	10	of	of	ADP
gujaf-69	222	11	transition	transition	NOUN
gujaf-69	222	12	to	to	ADP
gujaf-69	222	13	cashless	cashless	NOUN
gujaf-69	222	14	economy	economy	NOUN
gujaf-69	222	15	in	in	ADP
gujaf-69	222	16	nigeria	nigeria	PROPN
gujaf-69	222	17	.	.	PUNCT
gujaf-69	223	1	international	international	ADJ
gujaf-69	223	2	journal	journal	PROPN
gujaf-69	223	3	of	of	ADP
gujaf-69	223	4	scientific	scientific	ADJ
gujaf-69	223	5	engineering	engineering	NOUN
gujaf-69	223	6	and	and	CCONJ
gujaf-69	223	7	technology	technology	NOUN
gujaf-69	223	8	,	,	PUNCT
gujaf-69	223	9	2(9	2(9	NUM
gujaf-69	223	10	)	)	PUNCT
gujaf-69	223	11	913	913	NUM
gujaf-69	223	12	-	-	SYM
gujaf-69	223	13	918	918	NUM
gujaf-69	223	14	ojokuku	ojokuku	NOUN
gujaf-69	223	15	r.m	r.m	PROPN
gujaf-69	223	16	and	and	CCONJ
gujaf-69	223	17	sajuyigbe	sajuyigbe	PROPN
gujaf-69	223	18	a.s	a.s	PROPN
gujaf-69	223	19	(	(	PUNCT
gujaf-69	223	20	2012).the	2012).the	DET
gujaf-69	223	21	impact	impact	NOUN
gujaf-69	223	22	of	of	ADP
gujaf-69	223	23	electronic	electronic	ADJ
gujaf-69	223	24	banking	banking	NOUN
gujaf-69	223	25	on	on	ADP
gujaf-69	223	26	human	human	ADJ
gujaf-69	223	27	resources	resource	NOUN
gujaf-69	223	28	performance	performance	NOUN
gujaf-69	223	29	in	in	ADP
gujaf-69	223	30	the	the	DET
gujaf-69	223	31	nigerian	nigerian	ADJ
gujaf-69	223	32	banking	banking	NOUN
gujaf-69	223	33	industry	industry	NOUN
gujaf-69	223	34	.	.	PUNCT
gujaf-69	224	1	international	international	ADJ
gujaf-69	224	2	journal	journal	PROPN
gujaf-69	224	3	of	of	ADP
gujaf-69	224	4	economic	economic	ADJ
gujaf-69	224	5	development	development	NOUN
gujaf-69	224	6	research	research	NOUN
gujaf-69	224	7	and	and	CCONJ
gujaf-69	224	8	investment	investment	NOUN
gujaf-69	224	9	vol	vol	NOUN
gujaf-69	224	10	.	.	PUNCT
gujaf-69	225	1	3	3	NUM
gujaf-69	225	2	,	,	PUNCT
gujaf-69	225	3	no	no	DET
gujaf-69	225	4	2.pp	2.pp	NUM
gujaf-69	225	5	61	61	NUM
gujaf-69	225	6	-	-	SYM
gujaf-69	225	7	69	69	NUM
gujaf-69	225	8	.	.	PUNCT
gujaf-69	226	1	oladayo	oladayo	PROPN
gujaf-69	226	2	,	,	PUNCT
gujaf-69	226	3	t.	t.	PROPN
gujaf-69	226	4	,	,	PUNCT
gujaf-69	226	5	&	&	CCONJ
gujaf-69	226	6	oluwatosin	oluwatosin	PROPN
gujaf-69	226	7	,	,	PUNCT
gujaf-69	226	8	a.	a.	NOUN
gujaf-69	226	9	(	(	PUNCT
gujaf-69	226	10	2014	2014	NUM
gujaf-69	226	11	)	)	PUNCT
gujaf-69	226	12	.	.	PUNCT
gujaf-69	227	1	automated	automate	VERB
gujaf-69	227	2	teller	teller	NOUN
gujaf-69	227	3	machine	machine	NOUN
gujaf-69	227	4	fraud	fraud	NOUN
gujaf-69	227	5	in	in	ADP
gujaf-69	227	6	south	south	PROPN
gujaf-69	227	7	west	west	PROPN
gujaf-69	227	8	nigeria	nigeria	PROPN
gujaf-69	227	9	:	:	PUNCT
gujaf-69	228	1	the	the	DET
gujaf-69	228	2	shoe	shoe	NOUN
gujaf-69	228	3	wearers	wearer	VERB
gujaf-69	228	4	perspectives	perspective	NOUN
gujaf-69	228	5	,	,	PUNCT
gujaf-69	228	6	nigerian	nigerian	ADJ
gujaf-69	228	7	tribune	tribune	NOUN
gujaf-69	228	8	,	,	PUNCT
gujaf-69	228	9	ibadan	ibadan	PROPN
gujaf-69	228	10	.	.	PUNCT
gujaf-69	229	1	p.2	p.2	X
gujaf-69	229	2	.	.	PUNCT
gujaf-69	230	1	gusau	gusau	PROPN
gujaf-69	230	2	journal	journal	PROPN
gujaf-69	230	3	of	of	ADP
gujaf-69	230	4	accounting	accounting	NOUN
gujaf-69	230	5	and	and	CCONJ
gujaf-69	230	6	finance	finance	NOUN
gujaf-69	230	7	,	,	PUNCT
gujaf-69	230	8	vol	vol	NOUN
gujaf-69	230	9	.	.	PROPN
gujaf-69	230	10	2	2	NUM
gujaf-69	230	11	,	,	PUNCT
gujaf-69	230	12	issue	issue	NOUN
gujaf-69	230	13	2	2	NUM
gujaf-69	230	14	,	,	PUNCT
gujaf-69	230	15	april	april	PROPN
gujaf-69	230	16	,	,	PUNCT
gujaf-69	230	17	2021	2021	NUM
gujaf-69	230	18	12	12	NUM
gujaf-69	230	19	olanipekun	olanipekun	NOUN
gujaf-69	230	20	,	,	PUNCT
gujaf-69	230	21	w.d	w.d	PROPN
gujaf-69	230	22	,	,	PUNCT
gujaf-69	230	23	brimah	brimah	PROPN
gujaf-69	230	24	,	,	PUNCT
gujaf-69	230	25	a.n	a.n	PROPN
gujaf-69	230	26	&	&	CCONJ
gujaf-69	230	27	ajagbe	ajagbe	PROPN
gujaf-69	230	28	,	,	PUNCT
gujaf-69	230	29	s.t	s.t	PROPN
gujaf-69	230	30	(	(	PUNCT
gujaf-69	230	31	2013).role	2013).role	NUM
gujaf-69	230	32	of	of	ADP
gujaf-69	230	33	electronic	electronic	ADJ
gujaf-69	230	34	banking	banking	NOUN
gujaf-69	230	35	in	in	ADP
gujaf-69	230	36	enhancing	enhance	VERB
gujaf-69	230	37	human	human	ADJ
gujaf-69	230	38	resource	resource	NOUN
gujaf-69	230	39	performance	performance	NOUN
gujaf-69	230	40	and	and	CCONJ
gujaf-69	230	41	customer	customer	NOUN
gujaf-69	230	42	satisfaction	satisfaction	NOUN
gujaf-69	230	43	:	:	PUNCT
gujaf-69	230	44	evidence	evidence	NOUN
gujaf-69	230	45	from	from	ADP
gujaf-69	230	46	guaranty	guaranty	PROPN
gujaf-69	230	47	trust	trust	PROPN
gujaf-69	230	48	bank	bank	PROPN
gujaf-69	230	49	plc	plc	PROPN
gujaf-69	230	50	,	,	PUNCT
gujaf-69	230	51	nigeria	nigeria	PROPN
gujaf-69	230	52	.	.	PUNCT
gujaf-69	231	1	international	international	ADJ
gujaf-69	231	2	journal	journal	PROPN
gujaf-69	231	3	of	of	ADP
gujaf-69	231	4	business	business	NOUN
gujaf-69	231	5	and	and	CCONJ
gujaf-69	231	6	behavioral	behavioral	ADJ
gujaf-69	231	7	sciences.3(4	sciences.3(4	NOUN
gujaf-69	231	8	)	)	PUNCT
gujaf-69	231	9	,	,	PUNCT
gujaf-69	231	10	3644	3644	NUM
gujaf-69	231	11	.	.	PUNCT
gujaf-69	232	1	patrick	patrick	PROPN
gujaf-69	232	2	,	,	PUNCT
gujaf-69	232	3	o.i	o.i	PROPN
gujaf-69	232	4	.	.	PUNCT
gujaf-69	233	1	(	(	PUNCT
gujaf-69	233	2	2017).qualitative	2017).qualitative	NUM
gujaf-69	233	3	evaluation	evaluation	NOUN
gujaf-69	233	4	of	of	ADP
gujaf-69	233	5	the	the	DET
gujaf-69	233	6	factors	factor	NOUN
gujaf-69	233	7	influencing	influence	VERB
gujaf-69	233	8	the	the	DET
gujaf-69	233	9	adoption	adoption	NOUN
gujaf-69	233	10	of	of	ADP
gujaf-69	233	11	electronic	electronic	ADJ
gujaf-69	233	12	payment	payment	NOUN
gujaf-69	233	13	systems	system	NOUN
gujaf-69	233	14	(	(	PUNCT
gujaf-69	233	15	smes	sme	NOUN
gujaf-69	233	16	)	)	PUNCT
gujaf-69	233	17	by	by	ADP
gujaf-69	233	18	smes	sme	NOUN
gujaf-69	233	19	in	in	ADP
gujaf-69	233	20	nigeria	nigeria	PROPN
gujaf-69	233	21	.	.	PUNCT
gujaf-69	234	1	european	european	ADJ
gujaf-69	234	2	scientific	scientific	ADJ
gujaf-69	234	3	journal.13(31	journal.13(31	PROPN
gujaf-69	234	4	)	)	PUNCT
gujaf-69	234	5	1857	1857	NUM
gujaf-69	234	6	–	–	PUNCT
gujaf-69	234	7	7881	7881	NUM
gujaf-69	234	8	tiwari	tiwari	ADJ
gujaf-69	234	9	r	r	NOUN
gujaf-69	234	10	,	,	PUNCT
gujaf-69	234	11	buse	buse	NOUN
gujaf-69	234	12	s	s	PROPN
gujaf-69	234	13	,	,	PUNCT
gujaf-69	234	14	herstatt	herstatt	PROPN
gujaf-69	234	15	c	c	PROPN
gujaf-69	234	16	(	(	PUNCT
gujaf-69	234	17	2006	2006	NUM
gujaf-69	234	18	)	)	PUNCT
gujaf-69	234	19	.	.	PUNCT
gujaf-69	235	1	“	"	PUNCT
gujaf-69	235	2	mobile	mobile	ADJ
gujaf-69	235	3	banking	banking	NOUN
gujaf-69	235	4	as	as	ADP
gujaf-69	235	5	business	business	NOUN
gujaf-69	235	6	strategy	strategy	NOUN
gujaf-69	235	7	:	:	PUNCT
gujaf-69	235	8	impact	impact	NOUN
gujaf-69	235	9	of	of	ADP
gujaf-69	235	10	mobile	mobile	ADJ
gujaf-69	235	11	technologies	technology	NOUN
gujaf-69	235	12	on	on	ADP
gujaf-69	235	13	customer	customer	NOUN
gujaf-69	235	14	behaviour	behaviour	NOUN
gujaf-69	235	15	and	and	CCONJ
gujaf-69	235	16	its	its	PRON
gujaf-69	235	17	implications	implication	NOUN
gujaf-69	235	18	for	for	ADP
gujaf-69	235	19	banks	bank	NOUN
gujaf-69	235	20	”	"	PUNCT
gujaf-69	235	21	,	,	PUNCT
gujaf-69	235	22	in	in	ADP
gujaf-69	235	23	:	:	PUNCT
gujaf-69	235	24	technology	technology	NOUN
gujaf-69	235	25	management	management	NOUN
gujaf-69	235	26	for	for	ADP
gujaf-69	235	27	the	the	DET
gujaf-69	235	28	global	global	ADJ
gujaf-69	235	29	future	future	ADJ
gujaf-69	235	30	proceedings	proceeding	NOUN
gujaf-69	235	31	of	of	ADP
gujaf-69	235	32	picmet	picmet	PROPN
gujaf-69	235	33	'	'	NUM
gujaf-69	235	34	06	06	NUM
gujaf-69	235	35	,	,	PUNCT
gujaf-69	235	36	july	july	PROPN
gujaf-69	235	37	8	8	NUM
gujaf-69	235	38	–	–	PUNCT
gujaf-69	235	39	13	13	NUM
gujaf-69	235	40	,	,	PUNCT
gujaf-69	235	41	istanbul	istanbul	PROPN
gujaf-69	235	42	,	,	PUNCT
gujaf-69	235	43	pp	pp	ADJ
gujaf-69	235	44	.	.	PUNCT
gujaf-69	236	1	1935	1935	NUM
gujaf-69	236	2	-	-	SYM
gujaf-69	236	3	1946	1946	NUM
gujaf-69	236	4	.	.	PUNCT
gujaf-69	237	1	gusau	gusau	PROPN
gujaf-69	237	2	journal	journal	PROPN
gujaf-69	237	3	of	of	ADP
gujaf-69	237	4	accounting	accounting	NOUN
gujaf-69	237	5	and	and	CCONJ
gujaf-69	237	6	finance	finance	NOUN
gujaf-69	237	7	,	,	PUNCT
gujaf-69	237	8	vol	vol	NOUN
gujaf-69	237	9	.	.	PROPN
gujaf-69	237	10	2	2	NUM
gujaf-69	237	11	,	,	PUNCT
gujaf-69	237	12	issue	issue	NOUN
gujaf-69	237	13	2	2	NUM
gujaf-69	237	14	,	,	PUNCT
gujaf-69	237	15	april	april	PROPN
gujaf-69	237	16	,	,	PUNCT
gujaf-69	237	17	2021	2021	NUM
gujaf-69	237	18	13	13	NUM