id	sid	tid	token	lemma	pos
hi-52	1	1	f:\e\islamicus\2020\no	f:\e\islamicus\2020\no	NOUN
hi-52	1	2	.	.	PUNCT
hi-52	2	1	3\a	3\a	ADJ
hi-52	2	2	comparative	comparative	ADJ
hi-52	2	3	study	study	NOUN
hi-52	2	4	of	of	ADP
hi-52	2	5	adoptions.pmd	adoptions.pmd	X
hi-52	2	6	hamdard	hamdard	ADJ
hi-52	2	7	islamicus	islamicus	NOUN
hi-52	2	8	vol	vol	NOUN
hi-52	2	9	.	.	PUNCT
hi-52	3	1	xliii	xliii	PROPN
hi-52	3	2	,	,	PUNCT
hi-52	3	3	no	no	INTJ
hi-52	3	4	.	.	NOUN
hi-52	3	5	3	3	NUM
hi-52	3	6	7	7	NUM
hi-52	3	7	a	a	DET
hi-52	3	8	comparative	comparative	ADJ
hi-52	3	9	study	study	NOUN
hi-52	3	10	of	of	ADP
hi-52	3	11	adoption	adoption	NOUN
hi-52	3	12	of	of	ADP
hi-52	3	13	conventional	conventional	ADJ
hi-52	3	14	banking	banking	NOUN
hi-52	3	15	and	and	CCONJ
hi-52	3	16	islamic	islamic	ADJ
hi-52	3	17	banking	banking	NOUN
hi-52	3	18	in	in	ADP
hi-52	3	19	pakistan	pakistan	PROPN
hi-52	3	20	1dr	1dr	NOUN
hi-52	3	21	.	.	PUNCT
hi-52	4	1	muzammil	muzammil	PROPN
hi-52	4	2	khurshid	khurshid	PROPN
hi-52	4	3	2dr	2dr	PROPN
hi-52	4	4	.	.	PUNCT
hi-52	5	1	muhammad	muhammad	PROPN
hi-52	5	2	riaz	riaz	PROPN
hi-52	5	3	mahmood	mahmood	PROPN
hi-52	5	4	1assistant	1assistant	PROPN
hi-52	5	5	professor	professor	NOUN
hi-52	5	6	,	,	PUNCT
hi-52	5	7	department	department	NOUN
hi-52	5	8	of	of	ADP
hi-52	5	9	banking	banking	NOUN
hi-52	5	10	and	and	CCONJ
hi-52	5	11	finance	finance	NOUN
hi-52	5	12	,	,	PUNCT
hi-52	5	13	university	university	NOUN
hi-52	5	14	of	of	ADP
hi-52	5	15	the	the	DET
hi-52	5	16	punjab	punjab	PROPN
hi-52	5	17	,	,	PUNCT
hi-52	5	18	gujranwala	gujranwala	PROPN
hi-52	5	19	campus	campus	PROPN
hi-52	5	20	,	,	PUNCT
hi-52	5	21	gujranwala	gujranwala	PROPN
hi-52	5	22	,	,	PUNCT
hi-52	5	23	pakistan	pakistan	PROPN
hi-52	5	24	.	.	PUNCT
hi-52	6	1	e	e	X
hi-52	6	2	-	-	NOUN
hi-52	6	3	mail	mail	NOUN
hi-52	6	4	:	:	PUNCT
hi-52	6	5	muzammil.khurshid@pugc.edu.pk	muzammil.khurshid@pugc.edu.pk	PROPN
hi-52	6	6	2assistant	2assistant	NUM
hi-52	6	7	professor	professor	NOUN
hi-52	6	8	,	,	PUNCT
hi-52	6	9	department	department	NOUN
hi-52	6	10	of	of	ADP
hi-52	6	11	islamic	islamic	PROPN
hi-52	6	12	studies	study	NOUN
hi-52	6	13	,	,	PUNCT
hi-52	6	14	university	university	PROPN
hi-52	6	15	of	of	ADP
hi-52	6	16	gujrat	gujrat	PROPN
hi-52	6	17	,	,	PUNCT
hi-52	6	18	gujrat	gujrat	PROPN
hi-52	6	19	,	,	PUNCT
hi-52	6	20	pakistan	pakistan	PROPN
hi-52	6	21	.	.	PUNCT
hi-52	7	1	e	e	X
hi-52	7	2	-	-	NOUN
hi-52	7	3	mail	mail	NOUN
hi-52	7	4	:	:	PUNCT
hi-52	7	5	dr.riazmahmood@uog.edu.pk	dr.riazmahmood@uog.edu.pk	PROPN
hi-52	7	6	this	this	DET
hi-52	7	7	study	study	NOUN
hi-52	7	8	aims	aim	VERB
hi-52	7	9	to	to	PART
hi-52	7	10	examine	examine	VERB
hi-52	7	11	the	the	DET
hi-52	7	12	adoption	adoption	NOUN
hi-52	7	13	of	of	ADP
hi-52	7	14	conventional	conventional	ADJ
hi-52	7	15	and	and	CCONJ
hi-52	7	16	islamic	islamic	ADJ
hi-52	7	17	banking	banking	NOUN
hi-52	7	18	in	in	ADP
hi-52	7	19	pakistan	pakistan	PROPN
hi-52	7	20	.	.	PUNCT
hi-52	8	1	a	a	DET
hi-52	8	2	sample	sample	NOUN
hi-52	8	3	of	of	ADP
hi-52	8	4	300	300	NUM
hi-52	8	5	customers	customer	NOUN
hi-52	8	6	and	and	CCONJ
hi-52	8	7	employees	employee	NOUN
hi-52	8	8	was	be	AUX
hi-52	8	9	gathered	gather	VERB
hi-52	8	10	through	through	ADP
hi-52	8	11	a	a	DET
hi-52	8	12	questionnaire	questionnaire	NOUN
hi-52	8	13	.	.	PUNCT
hi-52	9	1	the	the	DET
hi-52	9	2	dependent	dependent	ADJ
hi-52	9	3	variable	variable	NOUN
hi-52	9	4	was	be	AUX
hi-52	9	5	“	"	PUNCT
hi-52	9	6	adoption	adoption	NOUN
hi-52	9	7	of	of	ADP
hi-52	9	8	cb	cb	PROPN
hi-52	9	9	or	or	CCONJ
hi-52	9	10	ib	ib	PROPN
hi-52	9	11	”	"	PUNCT
hi-52	9	12	and	and	CCONJ
hi-52	9	13	the	the	DET
hi-52	9	14	independent	independent	ADJ
hi-52	9	15	variables	variable	NOUN
hi-52	9	16	were	be	AUX
hi-52	9	17	attitude	attitude	NOUN
hi-52	9	18	,	,	PUNCT
hi-52	9	19	perceived	perceive	VERB
hi-52	9	20	behaviour	behaviour	NOUN
hi-52	9	21	control	control	NOUN
hi-52	9	22	,	,	PUNCT
hi-52	9	23	social	social	ADJ
hi-52	9	24	influence	influence	NOUN
hi-52	9	25	,	,	PUNCT
hi-52	9	26	innovation	innovation	NOUN
hi-52	9	27	diffusion	diffusion	NOUN
hi-52	9	28	and	and	CCONJ
hi-52	9	29	public	public	ADJ
hi-52	9	30	relations	relation	NOUN
hi-52	9	31	.	.	PUNCT
hi-52	10	1	the	the	DET
hi-52	10	2	findings	finding	NOUN
hi-52	10	3	show	show	VERB
hi-52	10	4	that	that	SCONJ
hi-52	10	5	attitude	attitude	NOUN
hi-52	10	6	,	,	PUNCT
hi-52	10	7	public	public	ADJ
hi-52	10	8	relation	relation	NOUN
hi-52	10	9	,	,	PUNCT
hi-52	10	10	social	social	ADJ
hi-52	10	11	influence	influence	NOUN
hi-52	10	12	,	,	PUNCT
hi-52	10	13	relative	relative	ADJ
hi-52	10	14	advantage	advantage	NOUN
hi-52	10	15	and	and	CCONJ
hi-52	10	16	perceived	perceive	VERB
hi-52	10	17	behavioural	behavioural	ADJ
hi-52	10	18	control	control	NOUN
hi-52	10	19	has	have	VERB
hi-52	10	20	a	a	DET
hi-52	10	21	prominent	prominent	ADJ
hi-52	10	22	impact	impact	NOUN
hi-52	10	23	on	on	ADP
hi-52	10	24	adoption	adoption	NOUN
hi-52	10	25	decisions	decision	NOUN
hi-52	10	26	,	,	PUNCT
hi-52	10	27	but	but	CCONJ
hi-52	10	28	perceived	perceive	VERB
hi-52	10	29	behavioural	behavioural	ADJ
hi-52	10	30	affect	affect	VERB
hi-52	10	31	adoption	adoption	NOUN
hi-52	10	32	most	most	ADV
hi-52	10	33	significantly	significantly	ADV
hi-52	10	34	,	,	PUNCT
hi-52	10	35	as	as	ADV
hi-52	10	36	far	far	ADV
hi-52	10	37	as	as	ADP
hi-52	10	38	independent	independent	ADJ
hi-52	10	39	sample	sample	NOUN
hi-52	10	40	t	t	PROPN
hi-52	10	41	-	-	PUNCT
hi-52	10	42	test	test	NOUN
hi-52	10	43	is	be	AUX
hi-52	10	44	concerned	concern	VERB
hi-52	10	45	,	,	PUNCT
hi-52	10	46	the	the	DET
hi-52	10	47	results	result	NOUN
hi-52	10	48	designate	designate	ADJ
hi-52	10	49	that	that	SCONJ
hi-52	10	50	attitude	attitude	NOUN
hi-52	10	51	,	,	PUNCT
hi-52	10	52	perceived	perceive	VERB
hi-52	10	53	behavioural	behavioural	ADJ
hi-52	10	54	control	control	NOUN
hi-52	10	55	,	,	PUNCT
hi-52	10	56	and	and	CCONJ
hi-52	10	57	innovation	innovation	NOUN
hi-52	10	58	diffusion	diffusion	NOUN
hi-52	10	59	have	have	VERB
hi-52	10	60	a	a	DET
hi-52	10	61	significant	significant	ADJ
hi-52	10	62	impact	impact	NOUN
hi-52	10	63	on	on	ADP
hi-52	10	64	adoption	adoption	NOUN
hi-52	10	65	.	.	PUNCT
hi-52	11	1	keywords	keyword	NOUN
hi-52	11	2	:	:	PUNCT
hi-52	11	3	adoption	adoption	NOUN
hi-52	11	4	,	,	PUNCT
hi-52	11	5	conventional	conventional	ADJ
hi-52	11	6	banking	banking	NOUN
hi-52	11	7	,	,	PUNCT
hi-52	11	8	islamic	islamic	ADJ
hi-52	11	9	banking	banking	NOUN
hi-52	11	10	,	,	PUNCT
hi-52	11	11	independent	independent	ADJ
hi-52	11	12	sample	sample	NOUN
hi-52	11	13	ttest	tt	ADJ
hi-52	11	14	,	,	PUNCT
hi-52	11	15	pakistan	pakistan	ADJ
hi-52	11	16	introduction	introduction	NOUN
hi-52	11	17	islamic	islamic	ADJ
hi-52	11	18	banking	banking	NOUN
hi-52	11	19	is	be	AUX
hi-52	11	20	a	a	DET
hi-52	11	21	system	system	NOUN
hi-52	11	22	which	which	PRON
hi-52	11	23	follows	follow	VERB
hi-52	11	24	shari‘ah	shari‘ah	NOUN
hi-52	11	25	which	which	PRON
hi-52	11	26	is	be	AUX
hi-52	11	27	8	8	NUM
hi-52	11	28	a	a	DET
hi-52	11	29	comparative	comparative	ADJ
hi-52	11	30	study	study	NOUN
hi-52	11	31	of	of	ADP
hi-52	11	32	adoption	adoption	NOUN
hi-52	11	33	...	...	PUNCT
hi-52	11	34	considered	consider	VERB
hi-52	11	35	as	as	ADP
hi-52	11	36	a	a	DET
hi-52	11	37	base	base	NOUN
hi-52	11	38	for	for	ADP
hi-52	11	39	the	the	DET
hi-52	11	40	islamic	islamic	ADJ
hi-52	11	41	economic	economic	ADJ
hi-52	11	42	system	system	NOUN
hi-52	11	43	.	.	PUNCT
hi-52	12	1	the	the	DET
hi-52	12	2	organization	organization	NOUN
hi-52	12	3	of	of	ADP
hi-52	12	4	islamic	islamic	ADJ
hi-52	12	5	cooperation	cooperation	NOUN
hi-52	12	6	(	(	PUNCT
hi-52	12	7	oic	oic	PROPN
hi-52	12	8	)	)	PUNCT
hi-52	12	9	,	,	PUNCT
hi-52	12	10	provide	provide	VERB
hi-52	12	11	the	the	DET
hi-52	12	12	definition	definition	NOUN
hi-52	12	13	of	of	ADP
hi-52	12	14	islamic	islamic	ADJ
hi-52	12	15	banks	bank	NOUN
hi-52	12	16	that	that	PRON
hi-52	12	17	is	be	AUX
hi-52	12	18	“	"	PUNCT
hi-52	12	19	an	an	DET
hi-52	12	20	islamic	islamic	ADJ
hi-52	12	21	bank	bank	NOUN
hi-52	12	22	is	be	AUX
hi-52	12	23	a	a	DET
hi-52	12	24	financial	financial	ADJ
hi-52	12	25	institution	institution	NOUN
hi-52	12	26	whose	whose	DET
hi-52	12	27	status	status	NOUN
hi-52	12	28	,	,	PUNCT
hi-52	12	29	rules	rule	NOUN
hi-52	12	30	and	and	CCONJ
hi-52	12	31	procedures	procedure	NOUN
hi-52	12	32	expressly	expressly	ADV
hi-52	12	33	state	state	VERB
hi-52	12	34	its	its	PRON
hi-52	12	35	commitment	commitment	NOUN
hi-52	12	36	to	to	ADP
hi-52	12	37	the	the	DET
hi-52	12	38	principle	principle	NOUN
hi-52	12	39	of	of	ADP
hi-52	12	40	islamic	islamic	PROPN
hi-52	12	41	shariah	shariah	PROPN
hi-52	12	42	and	and	CCONJ
hi-52	12	43	the	the	DET
hi-52	12	44	banning	banning	NOUN
hi-52	12	45	of	of	ADP
hi-52	12	46	the	the	DET
hi-52	12	47	receipt	receipt	NOUN
hi-52	12	48	and	and	CCONJ
hi-52	12	49	payment	payment	NOUN
hi-52	12	50	of	of	ADP
hi-52	12	51	interest	interest	NOUN
hi-52	12	52	on	on	ADP
hi-52	12	53	any	any	PRON
hi-52	12	54	of	of	ADP
hi-52	12	55	its	its	PRON
hi-52	12	56	operations	operation	NOUN
hi-52	12	57	”	"	PUNCT
hi-52	12	58	(	(	PUNCT
hi-52	12	59	oic	oic	PROPN
hi-52	12	60	,	,	PUNCT
hi-52	12	61	2019	2019	NUM
hi-52	12	62	)	)	PUNCT
hi-52	12	63	.	.	PUNCT
hi-52	13	1	according	accord	VERB
hi-52	13	2	to	to	ADP
hi-52	13	3	shari‘ah	shari‘ah	NOUN
hi-52	13	4	,	,	PUNCT
hi-52	13	5	the	the	DET
hi-52	13	6	interest	interest	NOUN
hi-52	13	7	charges	charge	NOUN
hi-52	13	8	(	(	PUNCT
hi-52	13	9	ribé	ribé	NOUN
hi-52	13	10	)	)	PUNCT
hi-52	13	11	is	be	AUX
hi-52	13	12	not	not	PART
hi-52	13	13	allowed	allow	VERB
hi-52	13	14	.	.	PUNCT
hi-52	14	1	in	in	ADP
hi-52	14	2	the	the	DET
hi-52	14	3	view	view	NOUN
hi-52	14	4	of	of	ADP
hi-52	14	5	abedifar	abedifar	ADV
hi-52	14	6	and	and	CCONJ
hi-52	14	7	tarazi	tarazi	NOUN
hi-52	14	8	(	(	PUNCT
hi-52	14	9	2013	2013	NUM
hi-52	14	10	)	)	PUNCT
hi-52	14	11	islamic	islamic	ADJ
hi-52	14	12	economy	economy	NOUN
hi-52	14	13	is	be	AUX
hi-52	14	14	to	to	PART
hi-52	14	15	realize	realize	VERB
hi-52	14	16	greater	great	ADJ
hi-52	14	17	justice	justice	NOUN
hi-52	14	18	in	in	ADP
hi-52	14	19	the	the	DET
hi-52	14	20	human	human	ADJ
hi-52	14	21	endeavor	endeavor	NOUN
hi-52	14	22	that	that	PRON
hi-52	14	23	can	can	AUX
hi-52	14	24	be	be	AUX
hi-52	14	25	only	only	ADV
hi-52	14	26	achieved	achieve	VERB
hi-52	14	27	by	by	ADP
hi-52	14	28	islamic	islamic	ADJ
hi-52	14	29	financial	financial	ADJ
hi-52	14	30	institutions	institution	NOUN
hi-52	14	31	,	,	PUNCT
hi-52	14	32	therefore	therefore	ADV
hi-52	14	33	islamic	islamic	ADJ
hi-52	14	34	banking	banking	NOUN
hi-52	14	35	system	system	NOUN
hi-52	14	36	and	and	CCONJ
hi-52	14	37	islamic	islamic	ADJ
hi-52	14	38	economy	economy	NOUN
hi-52	14	39	can	can	AUX
hi-52	14	40	not	not	PART
hi-52	14	41	be	be	AUX
hi-52	14	42	separated	separate	VERB
hi-52	14	43	.	.	PUNCT
hi-52	15	1	the	the	DET
hi-52	15	2	twentieth	twentieth	ADJ
hi-52	15	3	century	century	NOUN
hi-52	15	4	is	be	AUX
hi-52	15	5	considered	consider	VERB
hi-52	15	6	as	as	ADP
hi-52	15	7	the	the	DET
hi-52	15	8	beginning	beginning	NOUN
hi-52	15	9	of	of	ADP
hi-52	15	10	ib	ib	PROPN
hi-52	15	11	in	in	ADP
hi-52	15	12	modern	modern	ADJ
hi-52	15	13	world	world	NOUN
hi-52	15	14	.	.	PUNCT
hi-52	16	1	actually	actually	ADV
hi-52	16	2	,	,	PUNCT
hi-52	16	3	it	it	PRON
hi-52	16	4	was	be	AUX
hi-52	16	5	started	start	VERB
hi-52	16	6	when	when	SCONJ
hi-52	16	7	the	the	DET
hi-52	16	8	prophet	prophet	NOUN
hi-52	16	9	(	(	PUNCT
hi-52	16	10	)	)	PUNCT
hi-52	16	11	provided	provide	VERB
hi-52	16	12	his	his	PRON
hi-52	16	13	services	service	NOUN
hi-52	16	14	as	as	ADP
hi-52	16	15	an	an	DET
hi-52	16	16	agent	agent	NOUN
hi-52	16	17	for	for	ADP
hi-52	16	18	his	his	PRON
hi-52	16	19	wife	wife	NOUN
hi-52	16	20	.	.	PUNCT
hi-52	17	1	ibs	ibs	PROPN
hi-52	17	2	was	be	AUX
hi-52	17	3	introduced	introduce	VERB
hi-52	17	4	to	to	PART
hi-52	17	5	satisfy	satisfy	VERB
hi-52	17	6	the	the	DET
hi-52	17	7	religious	religious	ADJ
hi-52	17	8	needs	need	NOUN
hi-52	17	9	of	of	ADP
hi-52	17	10	muslims	muslim	NOUN
hi-52	17	11	.	.	PUNCT
hi-52	18	1	on	on	ADP
hi-52	18	2	the	the	DET
hi-52	18	3	contrary	contrary	NOUN
hi-52	18	4	,	,	PUNCT
hi-52	18	5	cbs	cbs	PROPN
hi-52	18	6	charges	charge	VERB
hi-52	18	7	the	the	DET
hi-52	18	8	interest	interest	NOUN
hi-52	18	9	which	which	PRON
hi-52	18	10	is	be	AUX
hi-52	18	11	not	not	PART
hi-52	18	12	allowed	allow	VERB
hi-52	18	13	in	in	ADP
hi-52	18	14	ib	ib	PROPN
hi-52	18	15	.	.	PUNCT
hi-52	19	1	so	so	ADV
hi-52	19	2	,	,	PUNCT
hi-52	19	3	muslims	muslim	NOUN
hi-52	19	4	want	want	VERB
hi-52	19	5	to	to	PART
hi-52	19	6	have	have	VERB
hi-52	19	7	an	an	DET
hi-52	19	8	islamic	islamic	ADJ
hi-52	19	9	platform	platform	NOUN
hi-52	19	10	that	that	PRON
hi-52	19	11	can	can	AUX
hi-52	19	12	be	be	AUX
hi-52	19	13	helpful	helpful	ADJ
hi-52	19	14	for	for	ADP
hi-52	19	15	their	their	PRON
hi-52	19	16	financial	financial	ADJ
hi-52	19	17	transactions	transaction	NOUN
hi-52	19	18	.	.	PUNCT
hi-52	20	1	rehman	rehman	NOUN
hi-52	20	2	(	(	PUNCT
hi-52	20	3	2012	2012	NUM
hi-52	20	4	)	)	PUNCT
hi-52	20	5	said	say	VERB
hi-52	20	6	that	that	PRON
hi-52	20	7	qur’én	qur’én	NOUN
hi-52	20	8	and	and	CCONJ
hi-52	20	9	sunnah	sunnah	NOUN
hi-52	20	10	are	be	AUX
hi-52	20	11	the	the	DET
hi-52	20	12	basic	basic	ADJ
hi-52	20	13	sources	source	NOUN
hi-52	20	14	to	to	PART
hi-52	20	15	follow	follow	VERB
hi-52	20	16	ib	ib	PROPN
hi-52	20	17	and	and	CCONJ
hi-52	20	18	islamic	islamic	ADJ
hi-52	20	19	jurisprudence	jurisprudence	NOUN
hi-52	20	20	is	be	AUX
hi-52	20	21	considered	consider	VERB
hi-52	20	22	as	as	ADP
hi-52	20	23	secondary	secondary	ADJ
hi-52	20	24	sources	source	NOUN
hi-52	20	25	.	.	PUNCT
hi-52	21	1	islamic	islamic	ADJ
hi-52	21	2	jurisprudence	jurisprudence	NOUN
hi-52	21	3	is	be	AUX
hi-52	21	4	based	base	VERB
hi-52	21	5	upon	upon	SCONJ
hi-52	21	6	the	the	DET
hi-52	21	7	ijmé	ijmé	NOUN
hi-52	21	8	‘	'	PUNCT
hi-52	21	9	,	,	PUNCT
hi-52	21	10	ijtihéd	ijtihéd	PROPN
hi-52	21	11	and	and	CCONJ
hi-52	21	12	qiyés	qiyés	ADJ
hi-52	21	13	.	.	PUNCT
hi-52	22	1	according	accord	VERB
hi-52	22	2	to	to	ADP
hi-52	22	3	chong	chong	PROPN
hi-52	22	4	and	and	CCONJ
hi-52	22	5	liu	liu	PROPN
hi-52	22	6	(	(	PUNCT
hi-52	22	7	2009	2009	NUM
hi-52	22	8	)	)	PUNCT
hi-52	22	9	,	,	PUNCT
hi-52	22	10	the	the	DET
hi-52	22	11	first	first	ADJ
hi-52	22	12	step	step	NOUN
hi-52	22	13	towards	towards	ADP
hi-52	22	14	ib	ib	NOUN
hi-52	22	15	was	be	AUX
hi-52	22	16	taken	take	VERB
hi-52	22	17	by	by	ADP
hi-52	22	18	establishing	establish	VERB
hi-52	22	19	“	"	PUNCT
hi-52	22	20	the	the	DET
hi-52	22	21	mit	mit	NOUN
hi-52	22	22	ghamr	ghamr	NOUN
hi-52	22	23	saving	save	VERB
hi-52	22	24	bank	bank	NOUN
hi-52	22	25	”	"	PUNCT
hi-52	22	26	in	in	ADP
hi-52	22	27	egypt	egypt	PROPN
hi-52	22	28	in	in	ADP
hi-52	22	29	1963s	1963s	NUM
hi-52	22	30	,	,	PUNCT
hi-52	22	31	which	which	PRON
hi-52	22	32	did	do	AUX
hi-52	22	33	not	not	PART
hi-52	22	34	work	work	VERB
hi-52	22	35	properly	properly	ADV
hi-52	22	36	.	.	PUNCT
hi-52	23	1	the	the	DET
hi-52	23	2	two	two	NUM
hi-52	23	3	banking	banking	NOUN
hi-52	23	4	systems	system	NOUN
hi-52	23	5	are	be	AUX
hi-52	23	6	the	the	DET
hi-52	23	7	rivals	rival	NOUN
hi-52	23	8	that	that	PRON
hi-52	23	9	compete	compete	VERB
hi-52	23	10	for	for	ADP
hi-52	23	11	the	the	DET
hi-52	23	12	customers	customer	NOUN
hi-52	23	13	,	,	PUNCT
hi-52	23	14	but	but	CCONJ
hi-52	23	15	conventional	conventional	ADJ
hi-52	23	16	banks	bank	NOUN
hi-52	23	17	attract	attract	VERB
hi-52	23	18	more	more	ADJ
hi-52	23	19	customers	customer	NOUN
hi-52	23	20	because	because	SCONJ
hi-52	23	21	of	of	ADP
hi-52	23	22	a	a	DET
hi-52	23	23	higher	high	ADJ
hi-52	23	24	return	return	NOUN
hi-52	23	25	on	on	ADP
hi-52	23	26	investment	investment	NOUN
hi-52	23	27	and	and	CCONJ
hi-52	23	28	because	because	SCONJ
hi-52	23	29	of	of	ADP
hi-52	23	30	different	different	ADJ
hi-52	23	31	opportunities	opportunity	NOUN
hi-52	23	32	for	for	ADP
hi-52	23	33	customers	customer	NOUN
hi-52	23	34	.	.	PUNCT
hi-52	24	1	as	as	SCONJ
hi-52	24	2	ib	ib	PROPN
hi-52	24	3	is	be	AUX
hi-52	24	4	based	base	VERB
hi-52	24	5	on	on	ADP
hi-52	24	6	shari‘ah	shari‘ah	NOUN
hi-52	24	7	and	and	CCONJ
hi-52	24	8	has	have	VERB
hi-52	24	9	a	a	DET
hi-52	24	10	difficult	difficult	ADJ
hi-52	24	11	procedure	procedure	NOUN
hi-52	24	12	to	to	PART
hi-52	24	13	get	get	VERB
hi-52	24	14	services	service	NOUN
hi-52	24	15	and	and	CCONJ
hi-52	24	16	products	product	NOUN
hi-52	24	17	for	for	ADP
hi-52	24	18	this	this	PRON
hi-52	24	19	they	they	PRON
hi-52	24	20	have	have	VERB
hi-52	24	21	to	to	PART
hi-52	24	22	face	face	VERB
hi-52	24	23	more	more	ADJ
hi-52	24	24	difficulties	difficulty	NOUN
hi-52	24	25	in	in	ADP
hi-52	24	26	influencing	influence	VERB
hi-52	24	27	customers	customer	NOUN
hi-52	24	28	’	'	PUNCT
hi-52	24	29	decision	decision	NOUN
hi-52	24	30	to	to	PART
hi-52	24	31	adopt	adopt	VERB
hi-52	24	32	the	the	DET
hi-52	24	33	ib	ib	NOUN
hi-52	24	34	system	system	NOUN
hi-52	24	35	.	.	PUNCT
hi-52	25	1	islamic	islamic	ADJ
hi-52	25	2	banking	banking	NOUN
hi-52	25	3	systems	system	NOUN
hi-52	25	4	are	be	AUX
hi-52	25	5	emerging	emerge	VERB
hi-52	25	6	these	these	DET
hi-52	25	7	days	day	NOUN
hi-52	25	8	because	because	SCONJ
hi-52	25	9	people	people	NOUN
hi-52	25	10	are	be	AUX
hi-52	25	11	not	not	PART
hi-52	25	12	becoming	become	VERB
hi-52	25	13	more	more	ADV
hi-52	25	14	conscious	conscious	ADJ
hi-52	25	15	about	about	ADP
hi-52	25	16	their	their	PRON
hi-52	25	17	religious	religious	ADJ
hi-52	25	18	’	'	PUNCT
hi-52	25	19	responsibility	responsibility	NOUN
hi-52	25	20	not	not	PART
hi-52	25	21	to	to	PART
hi-52	25	22	get	get	VERB
hi-52	25	23	interested	interested	ADJ
hi-52	25	24	.	.	PUNCT
hi-52	26	1	this	this	DET
hi-52	26	2	study	study	NOUN
hi-52	26	3	investigates	investigate	VERB
hi-52	26	4	the	the	DET
hi-52	26	5	influence	influence	NOUN
hi-52	26	6	of	of	ADP
hi-52	26	7	positive	positive	ADJ
hi-52	26	8	or	or	CCONJ
hi-52	26	9	negative	negative	ADJ
hi-52	26	10	attitude	attitude	NOUN
hi-52	26	11	of	of	ADP
hi-52	26	12	people	people	NOUN
hi-52	26	13	on	on	ADP
hi-52	26	14	their	their	PRON
hi-52	26	15	decision	decision	NOUN
hi-52	26	16	,	,	PUNCT
hi-52	26	17	perceived	perceive	VERB
hi-52	26	18	behavioural	behavioural	ADJ
hi-52	26	19	control	control	NOUN
hi-52	26	20	,	,	PUNCT
hi-52	26	21	and	and	CCONJ
hi-52	26	22	social	social	ADJ
hi-52	26	23	influence	influence	NOUN
hi-52	26	24	by	by	ADP
hi-52	26	25	incorporating	incorporate	VERB
hi-52	26	26	government	government	NOUN
hi-52	26	27	support	support	NOUN
hi-52	26	28	through	through	ADP
hi-52	26	29	creating	create	VERB
hi-52	26	30	environment	environment	NOUN
hi-52	26	31	important	important	ADJ
hi-52	26	32	for	for	ADP
hi-52	26	33	the	the	DET
hi-52	26	34	growth	growth	NOUN
hi-52	26	35	of	of	ADP
hi-52	26	36	ib	ib	PROPN
hi-52	26	37	,	,	PUNCT
hi-52	26	38	public	public	ADJ
hi-52	26	39	relations	relation	NOUN
hi-52	26	40	and	and	CCONJ
hi-52	26	41	perceived	perceive	VERB
hi-52	26	42	complexity	complexity	NOUN
hi-52	26	43	,	,	PUNCT
hi-52	26	44	to	to	PART
hi-52	26	45	examine	examine	VERB
hi-52	26	46	influence	influence	NOUN
hi-52	26	47	of	of	ADP
hi-52	26	48	the	the	DET
hi-52	26	49	adoption	adoption	NOUN
hi-52	26	50	of	of	ADP
hi-52	26	51	ib	ib	PROPN
hi-52	26	52	.	.	PUNCT
hi-52	27	1	the	the	DET
hi-52	27	2	foremost	foremost	ADJ
hi-52	27	3	aim	aim	NOUN
hi-52	27	4	of	of	ADP
hi-52	27	5	this	this	DET
hi-52	27	6	study	study	NOUN
hi-52	27	7	is	be	AUX
hi-52	27	8	to	to	PART
hi-52	27	9	discover	discover	VERB
hi-52	27	10	the	the	DET
hi-52	27	11	adoption	adoption	NOUN
hi-52	27	12	of	of	ADP
hi-52	27	13	conventional	conventional	ADJ
hi-52	27	14	and	and	CCONJ
hi-52	27	15	islamic	islamic	ADJ
hi-52	27	16	banking	banking	NOUN
hi-52	27	17	in	in	ADP
hi-52	27	18	pakistan	pakistan	PROPN
hi-52	27	19	.	.	PUNCT
hi-52	28	1	moreover	moreover	ADV
hi-52	28	2	,	,	PUNCT
hi-52	28	3	this	this	DET
hi-52	28	4	study	study	NOUN
hi-52	28	5	makes	make	VERB
hi-52	28	6	a	a	DET
hi-52	28	7	comparison	comparison	NOUN
hi-52	28	8	of	of	ADP
hi-52	28	9	ib	ib	PROPN
hi-52	28	10	and	and	CCONJ
hi-52	28	11	cb	cb	PROPN
hi-52	28	12	.	.	PROPN
hi-52	29	1	this	this	DET
hi-52	29	2	paper	paper	NOUN
hi-52	29	3	is	be	AUX
hi-52	29	4	comprised	comprise	VERB
hi-52	29	5	of	of	ADP
hi-52	29	6	five	five	NUM
hi-52	29	7	sections	section	NOUN
hi-52	29	8	;	;	PUNCT
hi-52	29	9	part	part	NOUN
hi-52	29	10	2	2	NUM
hi-52	29	11	demonstrate	demonstrate	NOUN
hi-52	29	12	literature	literature	NOUN
hi-52	29	13	hamdard	hamdard	PROPN
hi-52	29	14	islamicus	islamicus	PROPN
hi-52	29	15	vol	vol	NOUN
hi-52	29	16	.	.	PUNCT
hi-52	30	1	xliii	xliii	PROPN
hi-52	30	2	,	,	PUNCT
hi-52	30	3	no	no	INTJ
hi-52	30	4	.	.	NOUN
hi-52	30	5	3	3	NUM
hi-52	30	6	9	9	NUM
hi-52	30	7	review	review	NOUN
hi-52	30	8	,	,	PUNCT
hi-52	30	9	part	part	NOUN
hi-52	30	10	3	3	NUM
hi-52	30	11	exhibits	exhibit	VERB
hi-52	30	12	methodology	methodology	NOUN
hi-52	30	13	of	of	ADP
hi-52	30	14	the	the	DET
hi-52	30	15	research	research	NOUN
hi-52	30	16	,	,	PUNCT
hi-52	30	17	part	part	NOUN
hi-52	30	18	4	4	NUM
hi-52	30	19	displays	display	VERB
hi-52	30	20	the	the	DET
hi-52	30	21	analysis	analysis	NOUN
hi-52	30	22	and	and	CCONJ
hi-52	30	23	part	part	NOUN
hi-52	30	24	5	5	NUM
hi-52	30	25	reveals	reveal	VERB
hi-52	30	26	conclusion	conclusion	NOUN
hi-52	30	27	.	.	PUNCT
hi-52	31	1	literature	literature	NOUN
hi-52	31	2	review	review	VERB
hi-52	31	3	an	an	DET
hi-52	31	4	extensive	extensive	ADJ
hi-52	31	5	literature	literature	NOUN
hi-52	31	6	is	be	AUX
hi-52	31	7	available	available	ADJ
hi-52	31	8	on	on	ADP
hi-52	31	9	the	the	DET
hi-52	31	10	islamic	islamic	PROPN
hi-52	31	11	banking	banking	NOUN
hi-52	31	12	and	and	CCONJ
hi-52	31	13	the	the	DET
hi-52	31	14	conventional	conventional	ADJ
hi-52	31	15	banking	banking	NOUN
hi-52	31	16	(	(	PUNCT
hi-52	31	17	butt	butt	PROPN
hi-52	31	18	,	,	PUNCT
hi-52	31	19	saleem	saleem	PROPN
hi-52	31	20	,	,	PUNCT
hi-52	31	21	ahmed	ahmed	PROPN
hi-52	31	22	,	,	PUNCT
hi-52	31	23	altaf	altaf	PROPN
hi-52	31	24	,	,	PUNCT
hi-52	31	25	jaffer	jaffer	PROPN
hi-52	31	26	and	and	CCONJ
hi-52	31	27	jawad	jawad	PROPN
hi-52	31	28	,	,	PUNCT
hi-52	31	29	2011	2011	NUM
hi-52	31	30	;	;	PUNCT
hi-52	31	31	ergec	ergec	NOUN
hi-52	31	32	and	and	CCONJ
hi-52	31	33	arslan	arslan	PROPN
hi-52	31	34	,	,	PUNCT
hi-52	31	35	2012	2012	NUM
hi-52	31	36	;	;	PUNCT
hi-52	31	37	amin	amin	NOUN
hi-52	31	38	,	,	PUNCT
hi-52	31	39	isa	isa	NOUN
hi-52	31	40	and	and	CCONJ
hi-52	31	41	fontaine	fontaine	NOUN
hi-52	31	42	,	,	PUNCT
hi-52	31	43	2013	2013	NUM
hi-52	31	44	;	;	PUNCT
hi-52	31	45	awan	awan	PROPN
hi-52	31	46	and	and	CCONJ
hi-52	31	47	azhar	azhar	PROPN
hi-52	31	48	,	,	PUNCT
hi-52	31	49	2014	2014	NUM
hi-52	31	50	;	;	PUNCT
hi-52	31	51	tara	tara	PROPN
hi-52	31	52	,	,	PUNCT
hi-52	31	53	irshad	irshad	ADJ
hi-52	31	54	and	and	CCONJ
hi-52	31	55	khan	khan	PROPN
hi-52	31	56	,	,	PUNCT
hi-52	31	57	2014	2014	NUM
hi-52	31	58	;	;	PUNCT
hi-52	31	59	ali	ali	PROPN
hi-52	31	60	and	and	CCONJ
hi-52	31	61	raza	raza	PROPN
hi-52	31	62	,	,	PUNCT
hi-52	31	63	2015	2015	NUM
hi-52	31	64	;	;	PUNCT
hi-52	31	65	lajuni	lajuni	PROPN
hi-52	31	66	,	,	PUNCT
hi-52	31	67	ming	ming	PROPN
hi-52	31	68	,	,	PUNCT
hi-52	31	69	yacob	yacob	PROPN
hi-52	31	70	,	,	PUNCT
hi-52	31	71	ting	ting	NOUN
hi-52	31	72	and	and	CCONJ
hi-52	31	73	jausin	jausin	NOUN
hi-52	31	74	,	,	PUNCT
hi-52	31	75	2017	2017	NUM
hi-52	31	76	;	;	PUNCT
hi-52	31	77	nawaz	nawaz	NOUN
hi-52	31	78	and	and	CCONJ
hi-52	31	79	haniffa	haniffa	NOUN
hi-52	31	80	,	,	PUNCT
hi-52	31	81	2017	2017	NUM
hi-52	31	82	;	;	PUNCT
hi-52	31	83	al	al	PROPN
hi-52	31	84	balushi	balushi	PROPN
hi-52	31	85	and	and	CCONJ
hi-52	31	86	locke	locke	PROPN
hi-52	31	87	,	,	PUNCT
hi-52	31	88	2019	2019	NUM
hi-52	31	89	)	)	PUNCT
hi-52	31	90	.	.	PUNCT
hi-52	32	1	aziz	aziz	PROPN
hi-52	32	2	and	and	CCONJ
hi-52	32	3	afaq	afaq	PROPN
hi-52	32	4	(	(	PUNCT
hi-52	32	5	2018	2018	NUM
hi-52	32	6	)	)	PUNCT
hi-52	32	7	studied	study	VERB
hi-52	32	8	the	the	DET
hi-52	32	9	factors	factor	NOUN
hi-52	32	10	to	to	PART
hi-52	32	11	adopt	adopt	VERB
hi-52	32	12	ib	ib	NOUN
hi-52	32	13	and	and	CCONJ
hi-52	32	14	measured	measure	VERB
hi-52	32	15	the	the	DET
hi-52	32	16	attitude	attitude	NOUN
hi-52	32	17	,	,	PUNCT
hi-52	32	18	the	the	DET
hi-52	32	19	subjective	subjective	ADJ
hi-52	32	20	norms	norm	NOUN
hi-52	32	21	and	and	CCONJ
hi-52	32	22	the	the	DET
hi-52	32	23	perceived	perceive	VERB
hi-52	32	24	behaviour	behaviour	NOUN
hi-52	32	25	control	control	NOUN
hi-52	32	26	to	to	PART
hi-52	32	27	increase	increase	VERB
hi-52	32	28	the	the	DET
hi-52	32	29	understanding	understanding	NOUN
hi-52	32	30	of	of	ADP
hi-52	32	31	factors	factor	NOUN
hi-52	32	32	related	relate	VERB
hi-52	32	33	to	to	ADP
hi-52	32	34	the	the	DET
hi-52	32	35	adoption	adoption	NOUN
hi-52	32	36	of	of	ADP
hi-52	32	37	ib	ib	PROPN
hi-52	32	38	.	.	PUNCT
hi-52	33	1	in	in	ADP
hi-52	33	2	the	the	DET
hi-52	33	3	study	study	NOUN
hi-52	33	4	,	,	PUNCT
hi-52	33	5	they	they	PRON
hi-52	33	6	used	use	VERB
hi-52	33	7	variance	variance	NOUN
hi-52	33	8	-	-	PUNCT
hi-52	33	9	based	base	VERB
hi-52	33	10	partial	partial	ADJ
hi-52	33	11	least	least	ADJ
hi-52	33	12	squares	square	VERB
hi-52	33	13	structural	structural	ADJ
hi-52	33	14	equation	equation	NOUN
hi-52	33	15	modeling	modeling	NOUN
hi-52	33	16	and	and	CCONJ
hi-52	33	17	the	the	DET
hi-52	33	18	findings	finding	NOUN
hi-52	33	19	indicated	indicate	VERB
hi-52	33	20	that	that	SCONJ
hi-52	33	21	the	the	DET
hi-52	33	22	attitude	attitude	NOUN
hi-52	33	23	and	and	CCONJ
hi-52	33	24	the	the	DET
hi-52	33	25	subjective	subjective	ADJ
hi-52	33	26	norms	norm	NOUN
hi-52	33	27	have	have	VERB
hi-52	33	28	a	a	DET
hi-52	33	29	relationship	relationship	NOUN
hi-52	33	30	with	with	ADP
hi-52	33	31	the	the	DET
hi-52	33	32	intention	intention	NOUN
hi-52	33	33	to	to	PART
hi-52	33	34	adopt	adopt	VERB
hi-52	33	35	ib	ib	PROPN
hi-52	33	36	.	.	PUNCT
hi-52	34	1	usman	usman	PROPN
hi-52	34	2	,	,	PUNCT
hi-52	34	3	tjiptoherijanto	tjiptoherijanto	NOUN
hi-52	34	4	,	,	PUNCT
hi-52	34	5	balqiah	balqiah	PROPN
hi-52	34	6	and	and	CCONJ
hi-52	34	7	agung	agung	PROPN
hi-52	34	8	(	(	PUNCT
hi-52	34	9	2017	2017	NUM
hi-52	34	10	)	)	PUNCT
hi-52	34	11	made	make	VERB
hi-52	34	12	a	a	DET
hi-52	34	13	study	study	NOUN
hi-52	34	14	on	on	ADP
hi-52	34	15	the	the	DET
hi-52	34	16	adoption	adoption	NOUN
hi-52	34	17	of	of	ADP
hi-52	34	18	islamic	islamic	ADJ
hi-52	34	19	banking	banking	NOUN
hi-52	34	20	and	and	CCONJ
hi-52	34	21	the	the	DET
hi-52	34	22	results	result	NOUN
hi-52	34	23	show	show	VERB
hi-52	34	24	that	that	SCONJ
hi-52	34	25	religious	religious	ADJ
hi-52	34	26	norms	norm	NOUN
hi-52	34	27	in	in	ADP
hi-52	34	28	the	the	DET
hi-52	34	29	customers	customer	NOUN
hi-52	34	30	play	play	VERB
hi-52	34	31	an	an	DET
hi-52	34	32	important	important	ADJ
hi-52	34	33	role	role	NOUN
hi-52	34	34	.	.	PUNCT
hi-52	35	1	other	other	ADJ
hi-52	35	2	results	result	NOUN
hi-52	35	3	show	show	VERB
hi-52	35	4	that	that	SCONJ
hi-52	35	5	it	it	PRON
hi-52	35	6	also	also	ADV
hi-52	35	7	affects	affect	VERB
hi-52	35	8	the	the	DET
hi-52	35	9	decision	decision	NOUN
hi-52	35	10	for	for	ADP
hi-52	35	11	using	use	VERB
hi-52	35	12	islamic	islamic	ADJ
hi-52	35	13	banks	bank	NOUN
hi-52	35	14	indirectly	indirectly	ADV
hi-52	35	15	.	.	PUNCT
hi-52	36	1	muhamad	muhamad	PROPN
hi-52	36	2	,	,	PUNCT
hi-52	36	3	anuar	anuar	PROPN
hi-52	36	4	,	,	PUNCT
hi-52	36	5	kamarudin	kamarudin	PROPN
hi-52	36	6	,	,	PUNCT
hi-52	36	7	aziz	aziz	PROPN
hi-52	36	8	,	,	PUNCT
hi-52	36	9	pazil	pazil	PROPN
hi-52	36	10	and	and	CCONJ
hi-52	36	11	muhammad	muhammad	PROPN
hi-52	36	12	(	(	PUNCT
hi-52	36	13	2015	2015	NUM
hi-52	36	14	)	)	PUNCT
hi-52	36	15	observed	observe	VERB
hi-52	36	16	that	that	SCONJ
hi-52	36	17	the	the	DET
hi-52	36	18	promotion	promotion	NOUN
hi-52	36	19	of	of	ADP
hi-52	36	20	ib	ib	PROPN
hi-52	36	21	in	in	ADP
hi-52	36	22	the	the	DET
hi-52	36	23	society	society	NOUN
hi-52	36	24	is	be	AUX
hi-52	36	25	a	a	DET
hi-52	36	26	need	need	NOUN
hi-52	36	27	of	of	ADP
hi-52	36	28	the	the	DET
hi-52	36	29	hour	hour	NOUN
hi-52	36	30	,	,	PUNCT
hi-52	36	31	especially	especially	ADV
hi-52	36	32	for	for	ADP
hi-52	36	33	the	the	DET
hi-52	36	34	muslims	muslims	PROPN
hi-52	36	35	.	.	PUNCT
hi-52	37	1	marimuthu	marimuthu	PROPN
hi-52	37	2	,	,	PUNCT
hi-52	37	3	jing	jing	PROPN
hi-52	37	4	,	,	PUNCT
hi-52	37	5	gie	gie	NOUN
hi-52	37	6	,	,	PUNCT
hi-52	37	7	mun	mun	PROPN
hi-52	37	8	and	and	CCONJ
hi-52	37	9	ping	ping	PROPN
hi-52	37	10	(	(	PUNCT
hi-52	37	11	2010	2010	NUM
hi-52	37	12	)	)	PUNCT
hi-52	37	13	pointed	point	VERB
hi-52	37	14	out	out	ADP
hi-52	37	15	that	that	SCONJ
hi-52	37	16	the	the	DET
hi-52	37	17	cost	cost	NOUN
hi-52	37	18	benefits	benefit	NOUN
hi-52	37	19	,	,	PUNCT
hi-52	37	20	service	service	NOUN
hi-52	37	21	delivery	delivery	NOUN
hi-52	37	22	,	,	PUNCT
hi-52	37	23	convenience	convenience	NOUN
hi-52	37	24	and	and	CCONJ
hi-52	37	25	friends	friend	NOUN
hi-52	37	26	have	have	VERB
hi-52	37	27	a	a	DET
hi-52	37	28	remarkable	remarkable	ADJ
hi-52	37	29	relationship	relationship	NOUN
hi-52	37	30	with	with	ADP
hi-52	37	31	the	the	DET
hi-52	37	32	adoption	adoption	NOUN
hi-52	37	33	of	of	ADP
hi-52	37	34	ib	ib	PROPN
hi-52	37	35	.	.	PUNCT
hi-52	37	36	abedifar	abedifar	PROPN
hi-52	37	37	,	,	PUNCT
hi-52	37	38	molyneux	molyneux	PROPN
hi-52	37	39	and	and	CCONJ
hi-52	37	40	tarazi	tarazi	NOUN
hi-52	37	41	(	(	PUNCT
hi-52	37	42	2013	2013	NUM
hi-52	37	43	)	)	PUNCT
hi-52	37	44	studied	study	VERB
hi-52	37	45	a	a	DET
hi-52	37	46	country	country	NOUN
hi-52	37	47	where	where	SCONJ
hi-52	37	48	the	the	DET
hi-52	37	49	muslim	muslim	ADJ
hi-52	37	50	population	population	NOUN
hi-52	37	51	is	be	AUX
hi-52	37	52	in	in	ADP
hi-52	37	53	majority	majority	NOUN
hi-52	37	54	,	,	PUNCT
hi-52	37	55	their	their	PRON
hi-52	37	56	islamic	islamic	ADJ
hi-52	37	57	banks	bank	NOUN
hi-52	37	58	are	be	AUX
hi-52	37	59	more	more	ADV
hi-52	37	60	stable	stable	ADJ
hi-52	37	61	than	than	ADP
hi-52	37	62	conventional	conventional	ADJ
hi-52	37	63	with	with	ADP
hi-52	37	64	low	low	ADJ
hi-52	37	65	credit	credit	NOUN
hi-52	37	66	risks	risk	NOUN
hi-52	37	67	.	.	PUNCT
hi-52	38	1	islamic	islamic	ADJ
hi-52	38	2	banks	bank	NOUN
hi-52	38	3	also	also	ADV
hi-52	38	4	ask	ask	VERB
hi-52	38	5	for	for	ADP
hi-52	38	6	extra	extra	ADJ
hi-52	38	7	charges	charge	NOUN
hi-52	38	8	for	for	ADP
hi-52	38	9	offering	offer	VERB
hi-52	38	10	their	their	PRON
hi-52	38	11	services	service	NOUN
hi-52	38	12	to	to	ADP
hi-52	38	13	their	their	PRON
hi-52	38	14	customers	customer	NOUN
hi-52	38	15	and	and	CCONJ
hi-52	38	16	their	their	PRON
hi-52	38	17	loan	loan	NOUN
hi-52	38	18	quality	quality	NOUN
hi-52	38	19	is	be	AUX
hi-52	38	20	not	not	PART
hi-52	38	21	so	so	ADV
hi-52	38	22	much	much	ADJ
hi-52	38	23	flexibility	flexibility	NOUN
hi-52	38	24	in	in	ADP
hi-52	38	25	terms	term	NOUN
hi-52	38	26	of	of	ADP
hi-52	38	27	interest	interest	NOUN
hi-52	38	28	rates	rate	NOUN
hi-52	38	29	in	in	ADP
hi-52	38	30	the	the	DET
hi-52	38	31	comparison	comparison	NOUN
hi-52	38	32	of	of	ADP
hi-52	38	33	conventional	conventional	ADJ
hi-52	38	34	banks	bank	NOUN
hi-52	38	35	.	.	PUNCT
hi-52	39	1	abduh	abduh	ADJ
hi-52	39	2	and	and	CCONJ
hi-52	39	3	omar	omar	PROPN
hi-52	39	4	(	(	PUNCT
hi-52	39	5	2012	2012	NUM
hi-52	39	6	)	)	PUNCT
hi-52	39	7	found	find	VERB
hi-52	39	8	the	the	DET
hi-52	39	9	factors	factor	NOUN
hi-52	39	10	which	which	PRON
hi-52	39	11	may	may	AUX
hi-52	39	12	influence	influence	VERB
hi-52	39	13	ib	ib	PROPN
hi-52	39	14	and	and	CCONJ
hi-52	39	15	the	the	DET
hi-52	39	16	result	result	NOUN
hi-52	39	17	shows	show	VERB
hi-52	39	18	that	that	SCONJ
hi-52	39	19	multiple	multiple	ADJ
hi-52	39	20	factors	factor	NOUN
hi-52	39	21	can	can	AUX
hi-52	39	22	affect	affect	VERB
hi-52	39	23	it	it	PRON
hi-52	39	24	.	.	PUNCT
hi-52	40	1	khattak	khattak	PROPN
hi-52	40	2	and	and	CCONJ
hi-52	40	3	rehman	rehman	PROPN
hi-52	40	4	(	(	PUNCT
hi-52	40	5	2010	2010	NUM
hi-52	40	6	)	)	PUNCT
hi-52	40	7	investigated	investigate	VERB
hi-52	40	8	the	the	DET
hi-52	40	9	awareness	awareness	NOUN
hi-52	40	10	about	about	ADP
hi-52	40	11	ib	ib	PROPN
hi-52	40	12	.	.	PUNCT
hi-52	41	1	the	the	DET
hi-52	41	2	basic	basic	ADJ
hi-52	41	3	question	question	NOUN
hi-52	41	4	,	,	PUNCT
hi-52	41	5	that	that	PRON
hi-52	41	6	was	be	AUX
hi-52	41	7	tried	try	VERB
hi-52	41	8	to	to	PART
hi-52	41	9	be	be	AUX
hi-52	41	10	answered	answer	VERB
hi-52	41	11	by	by	ADP
hi-52	41	12	the	the	DET
hi-52	41	13	author	author	NOUN
hi-52	41	14	through	through	ADP
hi-52	41	15	this	this	DET
hi-52	41	16	study	study	NOUN
hi-52	41	17	,	,	PUNCT
hi-52	41	18	is	be	AUX
hi-52	41	19	what	what	PRON
hi-52	41	20	the	the	DET
hi-52	41	21	reasons	reason	NOUN
hi-52	41	22	that	that	PRON
hi-52	41	23	encourage	encourage	VERB
hi-52	41	24	customers	customer	NOUN
hi-52	41	25	to	to	PART
hi-52	41	26	adopt	adopt	VERB
hi-52	41	27	ib	ib	NOUN
hi-52	41	28	.	.	PUNCT
hi-52	42	1	are	be	AUX
hi-52	42	2	it	it	PRON
hi-52	42	3	was	be	AUX
hi-52	42	4	found	find	VERB
hi-52	42	5	that	that	SCONJ
hi-52	42	6	customers	customer	NOUN
hi-52	42	7	mostly	mostly	ADV
hi-52	42	8	prefer	prefer	VERB
hi-52	42	9	ib	ib	NOUN
hi-52	42	10	because	because	SCONJ
hi-52	42	11	of	of	ADP
hi-52	42	12	factors	factor	NOUN
hi-52	42	13	such	such	ADJ
hi-52	42	14	as	as	ADP
hi-52	42	15	demographic	demographic	ADJ
hi-52	42	16	variables	variable	NOUN
hi-52	42	17	,	,	PUNCT
hi-52	42	18	the	the	DET
hi-52	42	19	image	image	NOUN
hi-52	42	20	of	of	ADP
hi-52	42	21	the	the	DET
hi-52	42	22	bank	bank	NOUN
hi-52	42	23	,	,	PUNCT
hi-52	42	24	shari‘ah	shari‘ah	NOUN
hi-52	42	25	rules	rule	NOUN
hi-52	42	26	implemented	implement	VERB
hi-52	42	27	in	in	ADP
hi-52	42	28	islamic	islamic	ADJ
hi-52	42	29	banks	bank	NOUN
hi-52	42	30	,	,	PUNCT
hi-52	42	31	a	a	DET
hi-52	42	32	wider	wide	ADJ
hi-52	42	33	range	range	NOUN
hi-52	42	34	of	of	ADP
hi-52	42	35	services	service	NOUN
hi-52	42	36	,	,	PUNCT
hi-52	42	37	occupation	occupation	NOUN
hi-52	42	38	and	and	CCONJ
hi-52	42	39	income	income	NOUN
hi-52	42	40	level	level	NOUN
hi-52	42	41	of	of	ADP
hi-52	42	42	customers	customer	NOUN
hi-52	42	43	,	,	PUNCT
hi-52	42	44	their	their	PRON
hi-52	42	45	ages	age	NOUN
hi-52	42	46	,	,	PUNCT
hi-52	42	47	location	location	NOUN
hi-52	42	48	of	of	ADP
hi-52	42	49	the	the	DET
hi-52	42	50	bank	bank	NOUN
hi-52	42	51	.	.	PUNCT
hi-52	43	1	the	the	DET
hi-52	43	2	above	above	ADV
hi-52	43	3	-	-	PUNCT
hi-52	43	4	discussed	discuss	VERB
hi-52	43	5	literature	literature	NOUN
hi-52	43	6	shows	show	VERB
hi-52	43	7	10	10	NUM
hi-52	43	8	a	a	DET
hi-52	43	9	comparative	comparative	ADJ
hi-52	43	10	study	study	NOUN
hi-52	43	11	of	of	ADP
hi-52	43	12	adoption	adoption	NOUN
hi-52	43	13	...	...	PUNCT
hi-52	43	14	that	that	SCONJ
hi-52	43	15	ib	ib	PROPN
hi-52	43	16	and	and	CCONJ
hi-52	43	17	conventional	conventional	ADJ
hi-52	43	18	banking	banking	NOUN
hi-52	43	19	systems	system	NOUN
hi-52	43	20	are	be	AUX
hi-52	43	21	the	the	DET
hi-52	43	22	opposite	opposite	NOUN
hi-52	43	23	of	of	ADP
hi-52	43	24	each	each	DET
hi-52	43	25	other	other	ADJ
hi-52	43	26	because	because	SCONJ
hi-52	43	27	the	the	DET
hi-52	43	28	conventional	conventional	ADJ
hi-52	43	29	system	system	NOUN
hi-52	43	30	follows	follow	VERB
hi-52	43	31	the	the	DET
hi-52	43	32	interest	interest	NOUN
hi-52	43	33	and	and	CCONJ
hi-52	43	34	can	can	AUX
hi-52	43	35	not	not	PART
hi-52	43	36	survive	survive	VERB
hi-52	43	37	without	without	ADP
hi-52	43	38	it	it	PRON
hi-52	43	39	.	.	PUNCT
hi-52	44	1	methodology	methodology	NOUN
hi-52	44	2	a	a	DET
hi-52	44	3	questionnaire	questionnaire	NOUN
hi-52	44	4	was	be	AUX
hi-52	44	5	made	make	VERB
hi-52	44	6	and	and	CCONJ
hi-52	44	7	distributed	distribute	VERB
hi-52	44	8	to	to	ADP
hi-52	44	9	300	300	NUM
hi-52	44	10	banking	banking	NOUN
hi-52	44	11	customers	customer	NOUN
hi-52	44	12	and	and	CCONJ
hi-52	44	13	employees	employee	NOUN
hi-52	44	14	.	.	PUNCT
hi-52	45	1	the	the	DET
hi-52	45	2	sample	sample	NOUN
hi-52	45	3	size	size	NOUN
hi-52	45	4	includes	include	VERB
hi-52	45	5	184	184	NUM
hi-52	45	6	male	male	ADJ
hi-52	45	7	and	and	CCONJ
hi-52	45	8	116	116	NUM
hi-52	45	9	female	female	ADJ
hi-52	45	10	customers	customer	NOUN
hi-52	45	11	by	by	ADP
hi-52	45	12	using	use	VERB
hi-52	45	13	convenience	convenience	NOUN
hi-52	45	14	sampling	sampling	NOUN
hi-52	45	15	.	.	PUNCT
hi-52	46	1	the	the	DET
hi-52	46	2	dependent	dependent	ADJ
hi-52	46	3	variable	variable	NOUN
hi-52	46	4	was	be	AUX
hi-52	46	5	“	"	PUNCT
hi-52	46	6	adoption	adoption	NOUN
hi-52	46	7	of	of	ADP
hi-52	46	8	cb	cb	PROPN
hi-52	46	9	or	or	CCONJ
hi-52	46	10	ib	ib	INTJ
hi-52	46	11	”	"	PUNCT
hi-52	46	12	and	and	CCONJ
hi-52	46	13	attitude	attitude	NOUN
hi-52	46	14	,	,	PUNCT
hi-52	46	15	perceived	perceive	VERB
hi-52	46	16	behaviour	behaviour	NOUN
hi-52	46	17	control	control	NOUN
hi-52	46	18	,	,	PUNCT
hi-52	46	19	social	social	ADJ
hi-52	46	20	influence	influence	NOUN
hi-52	46	21	,	,	PUNCT
hi-52	46	22	innovation	innovation	NOUN
hi-52	46	23	diffusion	diffusion	NOUN
hi-52	46	24	and	and	CCONJ
hi-52	46	25	public	public	ADJ
hi-52	46	26	relations	relation	NOUN
hi-52	46	27	were	be	AUX
hi-52	46	28	the	the	DET
hi-52	46	29	independent	independent	ADJ
hi-52	46	30	variables	variable	NOUN
hi-52	46	31	.	.	PUNCT
hi-52	47	1	the	the	DET
hi-52	47	2	operational	operational	ADJ
hi-52	47	3	definition	definition	NOUN
hi-52	47	4	of	of	ADP
hi-52	47	5	independent	independent	ADJ
hi-52	47	6	variables	variable	NOUN
hi-52	47	7	is	be	AUX
hi-52	47	8	as	as	SCONJ
hi-52	47	9	follows	follow	VERB
hi-52	47	10	:	:	PUNCT
hi-52	47	11	•	•	NUM
hi-52	47	12	attitude	attitude	NOUN
hi-52	47	13	:	:	PUNCT
hi-52	47	14	how	how	SCONJ
hi-52	47	15	a	a	DET
hi-52	47	16	person	person	NOUN
hi-52	47	17	behaves	behave	VERB
hi-52	47	18	or	or	CCONJ
hi-52	47	19	has	have	VERB
hi-52	47	20	an	an	DET
hi-52	47	21	opinion	opinion	NOUN
hi-52	47	22	about	about	ADP
hi-52	47	23	something	something	PRON
hi-52	47	24	.	.	PUNCT
hi-52	48	1	it	it	PRON
hi-52	48	2	includes	include	VERB
hi-52	48	3	factors	factor	NOUN
hi-52	48	4	such	such	ADJ
hi-52	48	5	as	as	ADP
hi-52	48	6	perceived	perceive	VERB
hi-52	48	7	uncertainty	uncertainty	NOUN
hi-52	48	8	and	and	CCONJ
hi-52	48	9	relative	relative	ADJ
hi-52	48	10	advantage	advantage	NOUN
hi-52	48	11	.	.	PUNCT
hi-52	49	1	•	•	NUM
hi-52	49	2	social	social	ADJ
hi-52	49	3	influence	influence	NOUN
hi-52	49	4	:	:	PUNCT
hi-52	49	5	according	accord	VERB
hi-52	49	6	to	to	ADP
hi-52	49	7	research	research	NOUN
hi-52	49	8	,	,	PUNCT
hi-52	49	9	how	how	SCONJ
hi-52	49	10	a	a	DET
hi-52	49	11	person	person	NOUN
hi-52	49	12	changes	change	VERB
hi-52	49	13	his	his	PRON
hi-52	49	14	/	/	SYM
hi-52	49	15	her	her	PRON
hi-52	49	16	behaviour	behaviour	NOUN
hi-52	49	17	change	change	NOUN
hi-52	49	18	to	to	PART
hi-52	49	19	meet	meet	VERB
hi-52	49	20	the	the	DET
hi-52	49	21	requirements	requirement	NOUN
hi-52	49	22	of	of	ADP
hi-52	49	23	society	society	NOUN
hi-52	49	24	(	(	PUNCT
hi-52	49	25	cialdini	cialdini	PROPN
hi-52	49	26	and	and	CCONJ
hi-52	49	27	goldstein	goldstein	NOUN
hi-52	49	28	,	,	PUNCT
hi-52	49	29	2004	2004	NUM
hi-52	49	30	)	)	PUNCT
hi-52	49	31	.	.	PUNCT
hi-52	50	1	•	•	NUM
hi-52	50	2	perceived	perceive	VERB
hi-52	50	3	behavioural	behavioural	ADJ
hi-52	50	4	control	control	NOUN
hi-52	50	5	:	:	PUNCT
hi-52	50	6	person	person	NOUN
hi-52	50	7	’s	’s	PART
hi-52	50	8	perception	perception	NOUN
hi-52	50	9	of	of	ADP
hi-52	50	10	how	how	SCONJ
hi-52	50	11	he	he	PRON
hi-52	50	12	/	/	PUNCT
hi-52	51	1	she	she	PRON
hi-52	51	2	can	can	AUX
hi-52	51	3	perform	perform	VERB
hi-52	51	4	ethical	ethical	ADJ
hi-52	51	5	and	and	CCONJ
hi-52	51	6	moral	moral	ADJ
hi-52	51	7	behaviour	behaviour	NOUN
hi-52	51	8	.	.	PUNCT
hi-52	52	1	it	it	PRON
hi-52	52	2	includes	include	VERB
hi-52	52	3	factor	factor	NOUN
hi-52	52	4	-	-	PUNCT
hi-52	52	5	like	like	ADJ
hi-52	52	6	govt	govt	NOUN
hi-52	52	7	.	.	PUNCT
hi-52	53	1	support	support	NOUN
hi-52	53	2	.	.	PUNCT
hi-52	54	1	•	•	NUM
hi-52	54	2	innovation	innovation	NOUN
hi-52	54	3	diffusion	diffusion	NOUN
hi-52	54	4	:	:	PUNCT
hi-52	54	5	a	a	DET
hi-52	54	6	theory	theory	NOUN
hi-52	54	7	that	that	PRON
hi-52	54	8	explains	explain	VERB
hi-52	54	9	how	how	SCONJ
hi-52	54	10	,	,	PUNCT
hi-52	54	11	why	why	SCONJ
hi-52	54	12	,	,	PUNCT
hi-52	54	13	and	and	CCONJ
hi-52	54	14	at	at	ADP
hi-52	54	15	what	what	DET
hi-52	54	16	rate	rate	NOUN
hi-52	54	17	new	new	ADJ
hi-52	54	18	ideas	idea	NOUN
hi-52	54	19	and	and	CCONJ
hi-52	54	20	technology	technology	NOUN
hi-52	54	21	spread	spread	VERB
hi-52	54	22	.	.	PUNCT
hi-52	55	1	it	it	PRON
hi-52	55	2	includes	include	VERB
hi-52	55	3	factors	factor	NOUN
hi-52	55	4	such	such	ADJ
hi-52	55	5	as	as	ADP
hi-52	55	6	perceived	perceive	VERB
hi-52	55	7	complexity	complexity	NOUN
hi-52	55	8	and	and	CCONJ
hi-52	55	9	compatibility	compatibility	NOUN
hi-52	55	10	.	.	PUNCT
hi-52	56	1	•	•	NUM
hi-52	56	2	public	public	ADJ
hi-52	56	3	relations	relation	NOUN
hi-52	56	4	:	:	PUNCT
hi-52	56	5	it	it	PRON
hi-52	56	6	is	be	AUX
hi-52	56	7	focusing	focus	VERB
hi-52	56	8	on	on	ADP
hi-52	56	9	the	the	DET
hi-52	56	10	public	public	ADJ
hi-52	56	11	image	image	NOUN
hi-52	56	12	by	by	ADP
hi-52	56	13	a	a	DET
hi-52	56	14	company	company	NOUN
hi-52	56	15	or	or	CCONJ
hi-52	56	16	a	a	DET
hi-52	56	17	famous	famous	ADJ
hi-52	56	18	person	person	NOUN
hi-52	56	19	.	.	PUNCT
hi-52	57	1	in	in	ADP
hi-52	57	2	this	this	DET
hi-52	57	3	research	research	NOUN
hi-52	57	4	,	,	PUNCT
hi-52	57	5	cronbach	cronbach	VERB
hi-52	57	6	alpha	alpha	NOUN
hi-52	57	7	,	,	PUNCT
hi-52	57	8	descriptive	descriptive	ADJ
hi-52	57	9	analysis	analysis	NOUN
hi-52	57	10	,	,	PUNCT
hi-52	57	11	factor	factor	NOUN
hi-52	57	12	analysis	analysis	NOUN
hi-52	57	13	and	and	CCONJ
hi-52	57	14	t	t	NOUN
hi-52	57	15	-	-	PUNCT
hi-52	57	16	test	test	NOUN
hi-52	57	17	were	be	AUX
hi-52	57	18	applied	apply	VERB
hi-52	57	19	.	.	PUNCT
hi-52	58	1	for	for	ADP
hi-52	58	2	measuring	measure	VERB
hi-52	58	3	we	we	PRON
hi-52	58	4	have	have	AUX
hi-52	58	5	designed	design	VERB
hi-52	58	6	a	a	DET
hi-52	58	7	questionnaire	questionnaire	NOUN
hi-52	58	8	was	be	AUX
hi-52	58	9	based	base	VERB
hi-52	58	10	on	on	ADP
hi-52	58	11	two	two	NUM
hi-52	58	12	sections	section	NOUN
hi-52	58	13	.	.	PUNCT
hi-52	59	1	section	section	NOUN
hi-52	59	2	one	one	NUM
hi-52	59	3	shows	show	VERB
hi-52	59	4	demographic	demographic	ADJ
hi-52	59	5	information	information	NOUN
hi-52	59	6	of	of	ADP
hi-52	59	7	the	the	DET
hi-52	59	8	respondents	respondent	NOUN
hi-52	59	9	.	.	PUNCT
hi-52	60	1	section	section	NOUN
hi-52	60	2	two	two	NUM
hi-52	60	3	includes	include	VERB
hi-52	60	4	information	information	NOUN
hi-52	60	5	about	about	ADP
hi-52	60	6	the	the	DET
hi-52	60	7	islamic	islamic	ADJ
hi-52	60	8	banking	banking	NOUN
hi-52	60	9	system	system	NOUN
hi-52	60	10	that	that	PRON
hi-52	60	11	why	why	SCONJ
hi-52	60	12	respondents	respondent	NOUN
hi-52	60	13	had	have	AUX
hi-52	60	14	chosen	choose	VERB
hi-52	60	15	ib	ib	NOUN
hi-52	60	16	.	.	PUNCT
hi-52	61	1	it	it	PRON
hi-52	61	2	was	be	AUX
hi-52	61	3	used	use	VERB
hi-52	61	4	to	to	PART
hi-52	61	5	collect	collect	VERB
hi-52	61	6	information	information	NOUN
hi-52	61	7	regarding	regard	VERB
hi-52	61	8	factors	factor	NOUN
hi-52	61	9	that	that	PRON
hi-52	61	10	were	be	AUX
hi-52	61	11	considered	consider	VERB
hi-52	61	12	at	at	ADP
hi-52	61	13	the	the	DET
hi-52	61	14	time	time	NOUN
hi-52	61	15	of	of	ADP
hi-52	61	16	selecting	selecting	NOUN
hi-52	61	17	ib	ib	NOUN
hi-52	61	18	.	.	PUNCT
hi-52	62	1	it	it	PRON
hi-52	62	2	mainly	mainly	ADV
hi-52	62	3	gives	give	VERB
hi-52	62	4	information	information	NOUN
hi-52	62	5	related	relate	VERB
hi-52	62	6	to	to	ADP
hi-52	62	7	the	the	DET
hi-52	62	8	factors	factor	NOUN
hi-52	62	9	affecting	affect	VERB
hi-52	62	10	choosing	choose	VERB
hi-52	62	11	ib	ib	NOUN
hi-52	62	12	over	over	ADP
hi-52	62	13	the	the	DET
hi-52	62	14	conventional	conventional	ADJ
hi-52	62	15	banking	banking	NOUN
hi-52	62	16	system	system	NOUN
hi-52	62	17	.	.	PUNCT
hi-52	63	1	the	the	DET
hi-52	63	2	questionnaires	questionnaire	NOUN
hi-52	63	3	hamdard	hamdard	PROPN
hi-52	63	4	islamicus	islamicus	PROPN
hi-52	63	5	vol	vol	NOUN
hi-52	63	6	.	.	PUNCT
hi-52	64	1	xliii	xliii	PROPN
hi-52	64	2	,	,	PUNCT
hi-52	64	3	no	no	INTJ
hi-52	64	4	.	.	NOUN
hi-52	64	5	3	3	NUM
hi-52	64	6	11	11	NUM
hi-52	64	7	were	be	AUX
hi-52	64	8	filled	fill	VERB
hi-52	64	9	by	by	ADP
hi-52	64	10	the	the	DET
hi-52	64	11	users	user	NOUN
hi-52	64	12	of	of	ADP
hi-52	64	13	conventional	conventional	ADJ
hi-52	64	14	banks	bank	NOUN
hi-52	64	15	and	and	CCONJ
hi-52	64	16	ib	ib	INTJ
hi-52	64	17	,	,	PUNCT
hi-52	64	18	employees	employee	NOUN
hi-52	64	19	of	of	ADP
hi-52	64	20	conventional	conventional	ADJ
hi-52	64	21	banks	bank	NOUN
hi-52	64	22	and	and	CCONJ
hi-52	64	23	ib	ib	PROPN
hi-52	64	24	and	and	CCONJ
hi-52	64	25	the	the	DET
hi-52	64	26	general	general	ADJ
hi-52	64	27	public	public	NOUN
hi-52	64	28	.	.	PUNCT
hi-52	65	1	the	the	DET
hi-52	65	2	conventional	conventional	ADJ
hi-52	65	3	banks	bank	NOUN
hi-52	65	4	that	that	PRON
hi-52	65	5	were	be	AUX
hi-52	65	6	surveyed	survey	VERB
hi-52	65	7	were	be	AUX
hi-52	65	8	habib	habib	PROPN
hi-52	65	9	metropolitan	metropolitan	PROPN
hi-52	65	10	bank	bank	PROPN
hi-52	65	11	,	,	PUNCT
hi-52	65	12	js	js	PROPN
hi-52	65	13	bank	bank	PROPN
hi-52	65	14	,	,	PUNCT
hi-52	65	15	allied	allied	ADJ
hi-52	65	16	bank	bank	NOUN
hi-52	65	17	.	.	PUNCT
hi-52	66	1	islamic	islamic	ADJ
hi-52	66	2	banks	bank	NOUN
hi-52	66	3	which	which	PRON
hi-52	66	4	were	be	AUX
hi-52	66	5	surveyed	survey	VERB
hi-52	66	6	were	be	AUX
hi-52	66	7	meezan	meezan	PROPN
hi-52	66	8	bank	bank	PROPN
hi-52	66	9	,	,	PUNCT
hi-52	66	10	bank	bank	NOUN
hi-52	66	11	islami	islami	NOUN
hi-52	66	12	and	and	CCONJ
hi-52	66	13	dubai	dubai	PROPN
hi-52	66	14	islamic	islamic	PROPN
hi-52	66	15	bank	bank	PROPN
hi-52	66	16	.	.	PUNCT
hi-52	67	1	the	the	DET
hi-52	67	2	survey	survey	NOUN
hi-52	67	3	has	have	AUX
hi-52	67	4	been	be	AUX
hi-52	67	5	conducted	conduct	VERB
hi-52	67	6	in	in	ADP
hi-52	67	7	different	different	ADJ
hi-52	67	8	areas	area	NOUN
hi-52	67	9	of	of	ADP
hi-52	67	10	pakistan	pakistan	PROPN
hi-52	67	11	to	to	PART
hi-52	67	12	get	get	VERB
hi-52	67	13	information	information	NOUN
hi-52	67	14	from	from	ADP
hi-52	67	15	different	different	ADJ
hi-52	67	16	types	type	NOUN
hi-52	67	17	of	of	ADP
hi-52	67	18	people	people	NOUN
hi-52	67	19	related	relate	VERB
hi-52	67	20	to	to	ADP
hi-52	67	21	the	the	DET
hi-52	67	22	factors	factor	NOUN
hi-52	67	23	which	which	PRON
hi-52	67	24	influenced	influence	VERB
hi-52	67	25	the	the	DET
hi-52	67	26	choice	choice	NOUN
hi-52	67	27	the	the	DET
hi-52	67	28	islamic	islamic	ADJ
hi-52	67	29	banking	banking	NOUN
hi-52	67	30	customers	customer	NOUN
hi-52	67	31	and	and	CCONJ
hi-52	67	32	determinants	determinant	NOUN
hi-52	67	33	that	that	PRON
hi-52	67	34	customers	customer	NOUN
hi-52	67	35	consider	consider	VERB
hi-52	67	36	at	at	ADP
hi-52	67	37	the	the	DET
hi-52	67	38	time	time	NOUN
hi-52	67	39	of	of	ADP
hi-52	67	40	choosing	choose	VERB
hi-52	67	41	the	the	DET
hi-52	67	42	islamic	islamic	ADJ
hi-52	67	43	banking	banking	NOUN
hi-52	67	44	system	system	NOUN
hi-52	67	45	.	.	PUNCT
hi-52	68	1	the	the	DET
hi-52	68	2	survey	survey	NOUN
hi-52	68	3	was	be	AUX
hi-52	68	4	conducted	conduct	VERB
hi-52	68	5	by	by	ADP
hi-52	68	6	distributing	distribute	VERB
hi-52	68	7	and	and	CCONJ
hi-52	68	8	filing	file	VERB
hi-52	68	9	a	a	DET
hi-52	68	10	questionnaire	questionnaire	NOUN
hi-52	68	11	from	from	ADP
hi-52	68	12	respondents	respondent	NOUN
hi-52	68	13	.	.	PUNCT
hi-52	69	1	the	the	DET
hi-52	69	2	respondents	respondent	NOUN
hi-52	69	3	were	be	AUX
hi-52	69	4	selected	select	VERB
hi-52	69	5	because	because	SCONJ
hi-52	69	6	of	of	ADP
hi-52	69	7	availability	availability	NOUN
hi-52	69	8	;	;	PUNCT
hi-52	69	9	one	one	PRON
hi-52	69	10	can	can	AUX
hi-52	69	11	easily	easily	ADV
hi-52	69	12	get	get	VERB
hi-52	69	13	our	our	PRON
hi-52	69	14	survey	survey	NOUN
hi-52	69	15	filled	fill	VERB
hi-52	69	16	from	from	ADP
hi-52	69	17	different	different	ADJ
hi-52	69	18	people	people	NOUN
hi-52	69	19	.	.	PUNCT
hi-52	70	1	findings	finding	NOUN
hi-52	70	2	table	table	NOUN
hi-52	70	3	1	1	NUM
hi-52	70	4	represents	represent	VERB
hi-52	70	5	the	the	DET
hi-52	70	6	respondent	respondent	NOUN
hi-52	70	7	’s	’s	PART
hi-52	70	8	profile	profile	NOUN
hi-52	70	9	,	,	PUNCT
hi-52	70	10	analysis	analysis	NOUN
hi-52	70	11	shows	show	VERB
hi-52	70	12	that	that	SCONJ
hi-52	70	13	there	there	PRON
hi-52	70	14	were	be	VERB
hi-52	70	15	more	more	ADJ
hi-52	70	16	male	male	ADJ
hi-52	70	17	respondents	respondent	NOUN
hi-52	70	18	and	and	CCONJ
hi-52	70	19	the	the	DET
hi-52	70	20	percentage	percentage	NOUN
hi-52	70	21	was	be	AUX
hi-52	70	22	about	about	ADV
hi-52	70	23	61.3	61.3	NUM
hi-52	70	24	%	%	NOUN
hi-52	70	25	.	.	PUNCT
hi-52	71	1	most	most	ADJ
hi-52	71	2	of	of	ADP
hi-52	71	3	the	the	DET
hi-52	71	4	respondents	respondent	NOUN
hi-52	71	5	were	be	AUX
hi-52	71	6	between	between	ADP
hi-52	71	7	the	the	DET
hi-52	71	8	ages	age	NOUN
hi-52	71	9	of	of	ADP
hi-52	71	10	21	21	NUM
hi-52	71	11	-	-	SYM
hi-52	71	12	30	30	NUM
hi-52	71	13	and	and	CCONJ
hi-52	71	14	the	the	DET
hi-52	71	15	percentage	percentage	NOUN
hi-52	71	16	was	be	AUX
hi-52	71	17	about	about	ADV
hi-52	71	18	44	44	NUM
hi-52	71	19	%	%	NOUN
hi-52	71	20	.	.	PUNCT
hi-52	72	1	most	most	ADJ
hi-52	72	2	of	of	ADP
hi-52	72	3	the	the	DET
hi-52	72	4	persons	person	NOUN
hi-52	72	5	surveyed	survey	VERB
hi-52	72	6	were	be	AUX
hi-52	72	7	privatesector	privatesector	NOUN
hi-52	72	8	employees	employee	NOUN
hi-52	72	9	with	with	ADP
hi-52	72	10	a	a	DET
hi-52	72	11	percentage	percentage	NOUN
hi-52	72	12	of	of	ADP
hi-52	72	13	43.3	43.3	NUM
hi-52	72	14	%	%	NOUN
hi-52	72	15	.	.	PUNCT
hi-52	73	1	almost	almost	ADV
hi-52	73	2	77	77	NUM
hi-52	73	3	%	%	NOUN
hi-52	73	4	of	of	ADP
hi-52	73	5	our	our	PRON
hi-52	73	6	respondents	respondent	NOUN
hi-52	73	7	were	be	AUX
hi-52	73	8	single	single	ADJ
hi-52	73	9	.	.	PUNCT
hi-52	74	1	most	most	ADJ
hi-52	74	2	of	of	ADP
hi-52	74	3	the	the	DET
hi-52	74	4	people	people	NOUN
hi-52	74	5	are	be	AUX
hi-52	74	6	highly	highly	ADV
hi-52	74	7	educated	educate	VERB
hi-52	74	8	having	have	VERB
hi-52	74	9	a	a	DET
hi-52	74	10	bachelor	bachelor	NOUN
hi-52	74	11	’s	’	NOUN
hi-52	74	12	and	and	CCONJ
hi-52	74	13	master	master	NOUN
hi-52	74	14	’s	’s	PART
hi-52	74	15	degree	degree	NOUN
hi-52	74	16	and	and	CCONJ
hi-52	74	17	the	the	DET
hi-52	74	18	percentage	percentage	NOUN
hi-52	74	19	was	be	AUX
hi-52	74	20	about	about	ADV
hi-52	74	21	57	57	NUM
hi-52	74	22	%	%	NOUN
hi-52	74	23	and	and	CCONJ
hi-52	74	24	33	33	NUM
hi-52	74	25	%	%	NOUN
hi-52	74	26	respectively	respectively	ADV
hi-52	74	27	.	.	PUNCT
hi-52	75	1	most	most	ADJ
hi-52	75	2	of	of	ADP
hi-52	75	3	our	our	PRON
hi-52	75	4	respondents	respondent	NOUN
hi-52	75	5	were	be	AUX
hi-52	75	6	not	not	PART
hi-52	75	7	using	use	VERB
hi-52	75	8	any	any	DET
hi-52	75	9	banking	banking	NOUN
hi-52	75	10	system	system	NOUN
hi-52	75	11	with	with	ADP
hi-52	75	12	the	the	DET
hi-52	75	13	percentage	percentage	NOUN
hi-52	75	14	of	of	ADP
hi-52	75	15	33	33	NUM
hi-52	75	16	%	%	NOUN
hi-52	75	17	and	and	CCONJ
hi-52	75	18	respondents	respondent	NOUN
hi-52	75	19	of	of	ADP
hi-52	75	20	cb	cb	PROPN
hi-52	75	21	and	and	CCONJ
hi-52	75	22	ib	ib	PROPN
hi-52	75	23	were	be	AUX
hi-52	75	24	25	25	NUM
hi-52	75	25	%	%	NOUN
hi-52	75	26	and	and	CCONJ
hi-52	75	27	descriptive	descriptive	ADJ
hi-52	75	28	analysis	analysis	NOUN
hi-52	75	29	showed	show	VERB
hi-52	75	30	how	how	SCONJ
hi-52	75	31	these	these	DET
hi-52	75	32	factors	factor	NOUN
hi-52	75	33	are	be	AUX
hi-52	75	34	affecting	affect	VERB
hi-52	75	35	the	the	DET
hi-52	75	36	basis	basis	NOUN
hi-52	75	37	of	of	ADP
hi-52	75	38	demographic	demographic	ADJ
hi-52	75	39	variables	variable	NOUN
hi-52	75	40	.	.	PUNCT
hi-52	76	1	to	to	PART
hi-52	76	2	know	know	VERB
hi-52	76	3	which	which	DET
hi-52	76	4	demographic	demographic	ADJ
hi-52	76	5	variable	variable	ADJ
hi-52	76	6	factors	factor	NOUN
hi-52	76	7	are	be	AUX
hi-52	76	8	affecting	affect	VERB
hi-52	76	9	more	more	ADJ
hi-52	76	10	.	.	PUNCT
hi-52	77	1	for	for	ADP
hi-52	77	2	this	this	DET
hi-52	77	3	purpose	purpose	NOUN
hi-52	77	4	,	,	PUNCT
hi-52	77	5	we	we	PRON
hi-52	77	6	calculate	calculate	VERB
hi-52	77	7	the	the	DET
hi-52	77	8	mean	mean	ADJ
hi-52	77	9	and	and	CCONJ
hi-52	77	10	standard	standard	ADJ
hi-52	77	11	deviation	deviation	NOUN
hi-52	77	12	.	.	PUNCT
hi-52	78	1	as	as	SCONJ
hi-52	78	2	there	there	PRON
hi-52	78	3	is	be	VERB
hi-52	78	4	little	little	ADJ
hi-52	78	5	variation	variation	NOUN
hi-52	78	6	between	between	ADP
hi-52	78	7	the	the	DET
hi-52	78	8	mean	mean	NOUN
hi-52	78	9	of	of	ADP
hi-52	78	10	respondent	respondent	NOUN
hi-52	78	11	’s	’s	PART
hi-52	78	12	gender	gender	NOUN
hi-52	78	13	(	(	PUNCT
hi-52	78	14	1.3867	1.3867	NUM
hi-52	78	15	)	)	PUNCT
hi-52	78	16	,	,	PUNCT
hi-52	78	17	age	age	NOUN
hi-52	78	18	(	(	PUNCT
hi-52	78	19	1.5733	1.5733	NUM
hi-52	78	20	)	)	PUNCT
hi-52	78	21	and	and	CCONJ
hi-52	78	22	marital	marital	ADJ
hi-52	78	23	status	status	NOUN
hi-52	78	24	(	(	PUNCT
hi-52	78	25	1.2300	1.2300	NUM
hi-52	78	26	)	)	PUNCT
hi-52	78	27	.	.	PUNCT
hi-52	79	1	the	the	DET
hi-52	79	2	table	table	NOUN
hi-52	79	3	showed	show	VERB
hi-52	79	4	that	that	SCONJ
hi-52	79	5	these	these	DET
hi-52	79	6	factors	factor	NOUN
hi-52	79	7	have	have	VERB
hi-52	79	8	the	the	DET
hi-52	79	9	almost	almost	ADV
hi-52	79	10	same	same	ADJ
hi-52	79	11	effect	effect	NOUN
hi-52	79	12	on	on	ADP
hi-52	79	13	them	they	PRON
hi-52	79	14	,	,	PUNCT
hi-52	79	15	but	but	CCONJ
hi-52	79	16	standard	standard	ADJ
hi-52	79	17	deviations	deviation	NOUN
hi-52	79	18	show	show	VERB
hi-52	79	19	that	that	SCONJ
hi-52	79	20	there	there	PRON
hi-52	79	21	is	be	VERB
hi-52	79	22	little	little	ADJ
hi-52	79	23	dispersion	dispersion	NOUN
hi-52	79	24	in	in	ADP
hi-52	79	25	these	these	DET
hi-52	79	26	variables	variable	NOUN
hi-52	79	27	.	.	PUNCT
hi-52	80	1	mean	mean	NOUN
hi-52	80	2	of	of	ADP
hi-52	80	3	respondent	respondent	NOUN
hi-52	80	4	’s	’s	PART
hi-52	80	5	qualification	qualification	NOUN
hi-52	80	6	(	(	PUNCT
hi-52	80	7	2.4367	2.4367	NUM
hi-52	80	8	)	)	PUNCT
hi-52	80	9	,	,	PUNCT
hi-52	80	10	occupation	occupation	NOUN
hi-52	80	11	(	(	PUNCT
hi-52	80	12	2.7633	2.7633	NUM
hi-52	80	13	)	)	PUNCT
hi-52	80	14	and	and	CCONJ
hi-52	80	15	type	type	NOUN
hi-52	80	16	of	of	ADP
hi-52	80	17	banking	banking	NOUN
hi-52	80	18	system	system	NOUN
hi-52	80	19	used	use	VERB
hi-52	80	20	by	by	ADP
hi-52	80	21	respondents	respondent	NOUN
hi-52	80	22	(	(	PUNCT
hi-52	80	23	2.7167	2.7167	NUM
hi-52	80	24	)	)	PUNCT
hi-52	80	25	showed	show	VERB
hi-52	80	26	these	these	DET
hi-52	80	27	variables	variable	NOUN
hi-52	80	28	are	be	AUX
hi-52	80	29	almost	almost	ADV
hi-52	80	30	equally	equally	ADV
hi-52	80	31	affected	affect	VERB
hi-52	80	32	by	by	ADP
hi-52	80	33	these	these	DET
hi-52	80	34	factors	factor	NOUN
hi-52	80	35	.	.	PUNCT
hi-52	81	1	standard	standard	ADJ
hi-52	81	2	deviation	deviation	NOUN
hi-52	81	3	showed	show	VERB
hi-52	81	4	that	that	SCONJ
hi-52	81	5	the	the	DET
hi-52	81	6	latter	latter	ADJ
hi-52	81	7	three	three	NUM
hi-52	81	8	variables	variable	NOUN
hi-52	81	9	are	be	AUX
hi-52	81	10	more	more	ADV
hi-52	81	11	affected	affect	VERB
hi-52	81	12	by	by	ADP
hi-52	81	13	factors	factor	NOUN
hi-52	81	14	.	.	PUNCT
hi-52	82	1	levene	levene	PROPN
hi-52	82	2	’s	’s	PART
hi-52	82	3	test	test	NOUN
hi-52	82	4	shows	show	VERB
hi-52	82	5	that	that	SCONJ
hi-52	82	6	either	either	CCONJ
hi-52	82	7	the	the	DET
hi-52	82	8	variance	variance	NOUN
hi-52	82	9	among	among	ADP
hi-52	82	10	variables	variable	NOUN
hi-52	82	11	is	be	AUX
hi-52	82	12	equally	equally	ADV
hi-52	82	13	assumed	assume	VERB
hi-52	82	14	or	or	CCONJ
hi-52	82	15	not	not	PART
hi-52	82	16	,	,	PUNCT
hi-52	82	17	for	for	ADP
hi-52	82	18	that	that	DET
hi-52	82	19	hypothesis	hypothesis	NOUN
hi-52	82	20	is	be	AUX
hi-52	82	21	:	:	PUNCT
hi-52	82	22	12	12	NUM
hi-52	82	23	a	a	DET
hi-52	82	24	comparative	comparative	ADJ
hi-52	82	25	study	study	NOUN
hi-52	82	26	of	of	ADP
hi-52	82	27	adoption	adoption	NOUN
hi-52	82	28	...	...	PUNCT
hi-52	83	1	table.1	table.1	VERB
hi-52	83	2	demographic	demographic	ADJ
hi-52	83	3	profile	profile	NOUN
hi-52	83	4	gender	gender	NOUN
hi-52	83	5	male	male	NOUN
hi-52	83	6	184	184	NUM
hi-52	83	7	61.3	61.3	NUM
hi-52	83	8	female	female	ADJ
hi-52	83	9	116	116	NUM
hi-52	83	10	38.7	38.7	NUM
hi-52	83	11	age	age	NOUN
hi-52	83	12	20	20	NUM
hi-52	83	13	or	or	CCONJ
hi-52	83	14	less	less	ADJ
hi-52	83	15	36	36	NUM
hi-52	83	16	12	12	NUM
hi-52	83	17	21–30	21–30	NUM
hi-52	83	18	132	132	NUM
hi-52	83	19	44	44	NUM
hi-52	83	20	31–40	31–40	NUM
hi-52	83	21	78	78	NUM
hi-52	83	22	26	26	NUM
hi-52	83	23	41–50	41–50	NUM
hi-52	83	24	32	32	NUM
hi-52	83	25	10.7	10.7	NUM
hi-52	83	26	51	51	NUM
hi-52	83	27	or	or	CCONJ
hi-52	83	28	above	above	ADP
hi-52	83	29	22	22	NUM
hi-52	83	30	7.3	7.3	NUM
hi-52	83	31	occupational	occupational	ADJ
hi-52	83	32	status	status	NOUN
hi-52	83	33	student	student	NOUN
hi-52	83	34	86	86	NUM
hi-52	83	35	28.7	28.7	NUM
hi-52	83	36	business	business	NOUN
hi-52	83	37	16	16	NUM
hi-52	83	38	5.3	5.3	NUM
hi-52	83	39	private	private	ADJ
hi-52	83	40	130	130	NUM
hi-52	83	41	43.3	43.3	NUM
hi-52	83	42	government	government	NOUN
hi-52	83	43	19	19	NUM
hi-52	83	44	6.3	6.3	NUM
hi-52	83	45	others	other	NOUN
hi-52	83	46	49	49	NUM
hi-52	83	47	16.3	16.3	NUM
hi-52	83	48	marital	marital	ADJ
hi-52	83	49	status	status	NOUN
hi-52	83	50	single	single	ADJ
hi-52	83	51	231	231	NUM
hi-52	83	52	77	77	NUM
hi-52	83	53	married	marry	VERB
hi-52	83	54	69	69	NUM
hi-52	83	55	23	23	NUM
hi-52	83	56	qualification	qualification	NOUN
hi-52	83	57	matric	matric	NOUN
hi-52	83	58	or	or	CCONJ
hi-52	83	59	less	less	ADJ
hi-52	83	60	9	9	NUM
hi-52	83	61	3	3	NUM
hi-52	83	62	bachelor	bachelor	NOUN
hi-52	83	63	’s	’s	PART
hi-52	83	64	172	172	NUM
hi-52	83	65	57	57	NUM
hi-52	83	66	master	master	NOUN
hi-52	83	67	’s	’s	PART
hi-52	83	68	101	101	NUM
hi-52	83	69	33	33	NUM
hi-52	83	70	professional	professional	ADJ
hi-52	83	71	15	15	NUM
hi-52	83	72	5	5	NUM
hi-52	83	73	others	other	NOUN
hi-52	83	74	3	3	NUM
hi-52	83	75	1	1	NUM
hi-52	83	76	banking	banking	NOUN
hi-52	83	77	islamic	islamic	PROPN
hi-52	83	78	bank	bank	PROPN
hi-52	83	79	56	56	NUM
hi-52	83	80	18.7	18.7	NUM
hi-52	83	81	conventional	conventional	ADJ
hi-52	83	82	75	75	NUM
hi-52	83	83	25	25	NUM
hi-52	83	84	bank	bank	NOUN
hi-52	83	85	both	both	CCONJ
hi-52	83	86	67	67	NUM
hi-52	83	87	22.3	22.3	NUM
hi-52	83	88	none	none	NOUN
hi-52	83	89	102	102	NUM
hi-52	83	90	34	34	NUM
hi-52	83	91	h0	h0	NOUN
hi-52	83	92	:	:	PUNCT
hi-52	83	93	σ12	σ12	PROPN
hi-52	83	94	σ22	σ22	PROPN
hi-52	83	95	=	=	SYM
hi-52	83	96	0	0	PUNCT
hi-52	84	1	(	(	PUNCT
hi-52	84	2	“	"	PUNCT
hi-52	84	3	the	the	DET
hi-52	84	4	population	population	NOUN
hi-52	84	5	variances	variance	NOUN
hi-52	84	6	of	of	ADP
hi-52	84	7	islamic	islamic	ADJ
hi-52	84	8	and	and	CCONJ
hi-52	84	9	conventional	conventional	ADJ
hi-52	84	10	banks	bank	NOUN
hi-52	84	11	are	be	AUX
hi-52	84	12	equal	equal	ADJ
hi-52	84	13	”	"	PUNCT
hi-52	84	14	)	)	PUNCT
hi-52	84	15	note	note	NOUN
hi-52	84	16	:	:	PUNCT
hi-52	84	17	equal	equal	ADJ
hi-52	84	18	variance	variance	NOUN
hi-52	84	19	is	be	AUX
hi-52	84	20	assumed	assume	VERB
hi-52	84	21	when	when	SCONJ
hi-52	84	22	the	the	DET
hi-52	84	23	p	p	NOUN
hi-52	84	24	-	-	PUNCT
hi-52	84	25	value	value	NOUN
hi-52	84	26	of	of	ADP
hi-52	84	27	levene	levene	NOUN
hi-52	84	28	’s	’s	PART
hi-52	84	29	test	test	NOUN
hi-52	84	30	is	be	AUX
hi-52	84	31	greater	great	ADJ
hi-52	84	32	than	than	ADP
hi-52	84	33	0.05	0.05	NUM
hi-52	84	34	or	or	CCONJ
hi-52	84	35	less	less	ADJ
hi-52	84	36	and	and	CCONJ
hi-52	84	37	vice	vice	ADV
hi-52	84	38	versa	versa	ADV
hi-52	84	39	.	.	PUNCT
hi-52	85	1	hamdard	hamdard	ADJ
hi-52	85	2	islamicus	islamicus	PROPN
hi-52	85	3	vol	vol	NOUN
hi-52	85	4	.	.	PUNCT
hi-52	86	1	xliii	xliii	PROPN
hi-52	86	2	,	,	PUNCT
hi-52	86	3	no	no	INTJ
hi-52	86	4	.	.	NOUN
hi-52	86	5	3	3	NUM
hi-52	86	6	13	13	NUM
hi-52	86	7	h1	h1	NOUN
hi-52	86	8	.	.	PUNCT
hi-52	87	1	attitude	attitude	NOUN
hi-52	87	2	rejects	reject	VERB
hi-52	87	3	the	the	DET
hi-52	87	4	null	null	ADJ
hi-52	87	5	hypothesis	hypothesis	NOUN
hi-52	87	6	.	.	PUNCT
hi-52	88	1	h2	h2	PROPN
hi-52	88	2	.	.	PUNCT
hi-52	89	1	social	social	ADJ
hi-52	89	2	influence	influence	NOUN
hi-52	89	3	accepts	accept	VERB
hi-52	89	4	the	the	DET
hi-52	89	5	null	null	ADJ
hi-52	89	6	hypothesis	hypothesis	NOUN
hi-52	89	7	.	.	PUNCT
hi-52	90	1	h3	h3	PROPN
hi-52	90	2	.	.	PUNCT
hi-52	91	1	perceived	perceive	VERB
hi-52	91	2	behavioural	behavioural	ADJ
hi-52	91	3	control	control	NOUN
hi-52	91	4	rejects	reject	VERB
hi-52	91	5	the	the	DET
hi-52	91	6	null	null	ADJ
hi-52	91	7	hypothesis	hypothesis	NOUN
hi-52	91	8	.	.	PUNCT
hi-52	92	1	h4	h4	PROPN
hi-52	92	2	.	.	PUNCT
hi-52	93	1	innovation	innovation	NOUN
hi-52	93	2	diffusion	diffusion	NOUN
hi-52	93	3	theory	theory	NOUN
hi-52	93	4	accepts	accept	VERB
hi-52	93	5	the	the	DET
hi-52	93	6	null	null	ADJ
hi-52	93	7	hypothesis	hypothesis	NOUN
hi-52	93	8	.	.	PUNCT
hi-52	94	1	h5	h5	PROPN
hi-52	94	2	.	.	PUNCT
hi-52	95	1	public	public	ADJ
hi-52	95	2	relation	relation	NOUN
hi-52	95	3	accepts	accept	VERB
hi-52	95	4	the	the	DET
hi-52	95	5	null	null	ADJ
hi-52	95	6	hypothesis	hypothesis	NOUN
hi-52	95	7	.	.	PUNCT
hi-52	96	1	table	table	NOUN
hi-52	96	2	2	2	NUM
hi-52	96	3	:	:	PUNCT
hi-52	96	4	group	group	NOUN
hi-52	96	5	statistics	statistic	NOUN
hi-52	96	6	banking	banking	NOUN
hi-52	97	1	n	n	CCONJ
hi-52	97	2	mean	mean	VERB
hi-52	97	3	s.d	s.d	PROPN
hi-52	97	4	s.error	s.error	NOUN
hi-52	97	5	system	system	NOUN
hi-52	97	6	mean	mean	VERB
hi-52	97	7	attitude	attitude	NOUN
hi-52	97	8	islamic	islamic	VERB
hi-52	97	9	56	56	NUM
hi-52	97	10	19.9286	19.9286	NUM
hi-52	97	11	4.70921	4.70921	NUM
hi-52	97	12	62929	62929	NUM
hi-52	97	13	conventional	conventional	ADJ
hi-52	97	14	75	75	NUM
hi-52	97	15	18.9467	18.9467	NUM
hi-52	97	16	3.93835	3.93835	NUM
hi-52	97	17	45476	45476	NUM
hi-52	97	18	social	social	ADJ
hi-52	97	19	islamic	islamic	NOUN
hi-52	97	20	56	56	NUM
hi-52	97	21	3.3571	3.3571	NUM
hi-52	97	22	1.36753	1.36753	NUM
hi-52	97	23	18274	18274	NUM
hi-52	97	24	influence	influence	NOUN
hi-52	97	25	conventional	conventional	ADJ
hi-52	97	26	75	75	NUM
hi-52	97	27	2.7600	2.7600	NUM
hi-52	97	28	1.28231	1.28231	NUM
hi-52	97	29	14807	14807	NUM
hi-52	97	30	percieved	percieve	VERB
hi-52	97	31	islamic	islamic	ADJ
hi-52	97	32	56	56	NUM
hi-52	97	33	10.5893	10.5893	NUM
hi-52	97	34	2.52102	2.52102	NUM
hi-52	97	35	33688	33688	NUM
hi-52	97	36	behavioural	behavioural	ADJ
hi-52	97	37	conventional	conventional	ADJ
hi-52	97	38	75	75	NUM
hi-52	97	39	8.7333	8.7333	NUM
hi-52	97	40	3.16797	3.16797	NUM
hi-52	97	41	36581	36581	NUM
hi-52	97	42	control	control	NOUN
hi-52	97	43	innovaion	innovaion	NOUN
hi-52	97	44	islamic	islamic	VERB
hi-52	97	45	56	56	NUM
hi-52	97	46	21.4464	21.4464	NUM
hi-52	97	47	3.42143	3.42143	NUM
hi-52	97	48	45721	45721	NUM
hi-52	97	49	diffusion	diffusion	NOUN
hi-52	97	50	conventional	conventional	ADJ
hi-52	97	51	75	75	NUM
hi-52	97	52	19.5733	19.5733	NUM
hi-52	97	53	3.84558	3.84558	NUM
hi-52	97	54	44405	44405	NUM
hi-52	97	55	public	public	ADJ
hi-52	97	56	islamic	islamic	NOUN
hi-52	97	57	56	56	NUM
hi-52	97	58	10.2321	10.2321	NUM
hi-52	97	59	2.76991	2.76991	NUM
hi-52	97	60	37014	37014	NUM
hi-52	97	61	relation	relation	NOUN
hi-52	97	62	conventional	conventional	ADJ
hi-52	97	63	75	75	NUM
hi-52	97	64	10.1600	10.1600	NUM
hi-52	97	65	2.50427	2.50427	NUM
hi-52	97	66	28917	28917	NUM
hi-52	97	67	t	t	NOUN
hi-52	97	68	-	-	PUNCT
hi-52	97	69	test	test	NOUN
hi-52	97	70	of	of	ADP
hi-52	97	71	independent	independent	ADJ
hi-52	97	72	sampling	sampling	NOUN
hi-52	97	73	shows	show	VERB
hi-52	97	74	the	the	DET
hi-52	97	75	comparative	comparative	ADJ
hi-52	97	76	impact	impact	NOUN
hi-52	97	77	of	of	ADP
hi-52	97	78	dependent	dependent	ADJ
hi-52	97	79	and	and	CCONJ
hi-52	97	80	independent	independent	ADJ
hi-52	97	81	variables	variable	NOUN
hi-52	97	82	,	,	PUNCT
hi-52	97	83	for	for	SCONJ
hi-52	97	84	that	that	SCONJ
hi-52	97	85	the	the	DET
hi-52	97	86	null	null	ADJ
hi-52	97	87	hypothesis	hypothesis	NOUN
hi-52	97	88	is	be	AUX
hi-52	97	89	as	as	ADP
hi-52	97	90	;	;	PUNCT
hi-52	97	91	h0	h0	PROPN
hi-52	97	92	:	:	PUNCT
hi-52	97	93	µ1	µ1	PROPN
hi-52	97	94	=	=	PUNCT
hi-52	97	95	µ2	µ2	PROPN
hi-52	97	96	(	(	PUNCT
hi-52	97	97	“	"	PUNCT
hi-52	97	98	the	the	DET
hi-52	97	99	two	two	NUM
hi-52	97	100	-	-	PUNCT
hi-52	97	101	population	population	NOUN
hi-52	97	102	means	mean	NOUN
hi-52	97	103	are	be	AUX
hi-52	97	104	equal	equal	ADJ
hi-52	97	105	”	"	PUNCT
hi-52	97	106	)	)	PUNCT
hi-52	97	107	14	14	NUM
hi-52	97	108	a	a	DET
hi-52	97	109	comparative	comparative	ADJ
hi-52	97	110	study	study	NOUN
hi-52	97	111	of	of	ADP
hi-52	97	112	adoption	adoption	NOUN
hi-52	97	113	...	...	PUNCT
hi-52	97	114	table	table	NOUN
hi-52	97	115	3	3	NUM
hi-52	97	116	:	:	PUNCT
hi-52	97	117	independent	independent	ADJ
hi-52	97	118	samples	sample	NOUN
hi-52	97	119	test	test	NOUN
hi-52	97	120	levent‘s	levent‘s	PROPN
hi-52	97	121	test	test	VERB
hi-52	97	122	t	t	NOUN
hi-52	97	123	-	-	PUNCT
hi-52	97	124	test	test	NOUN
hi-52	97	125	for	for	ADP
hi-52	97	126	equality	equality	NOUN
hi-52	97	127	of	of	ADP
hi-52	97	128	means	mean	NOUN
hi-52	97	129	for	for	ADP
hi-52	97	130	equality	equality	NOUN
hi-52	97	131	of	of	ADP
hi-52	97	132	t	t	PROPN
hi-52	97	133	df	df	PROPN
hi-52	97	134	sig(2	sig(2	PROPN
hi-52	97	135	mean	mean	VERB
hi-52	97	136	s.	s.	PROPN
hi-52	97	137	error	error	NOUN
hi-52	97	138	95	95	NUM
hi-52	97	139	%	%	NOUN
hi-52	97	140	variances	variance	NOUN
hi-52	97	141	tailed	tail	VERB
hi-52	97	142	)	)	PUNCT
hi-52	97	143	diff	diff	PROPN
hi-52	97	144	.	.	PUNCT
hi-52	98	1	diff	diff	NOUN
hi-52	98	2	confidence	confidence	NOUN
hi-52	98	3	interval	interval	NOUN
hi-52	98	4	f	f	PROPN
hi-52	98	5	sig	sig	X
hi-52	98	6	lower	low	ADJ
hi-52	98	7	upper	upper	ADJ
hi-52	98	8	attitude	attitude	NOUN
hi-52	98	9	equal	equal	ADJ
hi-52	98	10	5.621	5.621	NUM
hi-52	98	11	.019	.019	NUM
hi-52	98	12	1.298	1.298	NUM
hi-52	98	13	129	129	NUM
hi-52	98	14	.197	.197	NUM
hi-52	98	15	.981	.981	NUM
hi-52	98	16	.756	.756	NUM
hi-52	98	17	-.515	-.515	NOUN
hi-52	98	18	2.478	2.478	NUM
hi-52	98	19	variances	variance	NOUN
hi-52	98	20	assumed	assume	VERB
hi-52	98	21	equal	equal	ADJ
hi-52	98	22	1.265	1.265	NUM
hi-52	98	23	105.96	105.96	NUM
hi-52	98	24	.207	.207	NUM
hi-52	98	25	.981	.981	NUM
hi-52	98	26	.776	.776	NUM
hi-52	98	27	-.557	-.557	PROPN
hi-52	98	28	2.521	2.521	NUM
hi-52	98	29	variances	variance	NOUN
hi-52	98	30	assumed	assume	VERB
hi-52	98	31	social	social	ADJ
hi-52	98	32	equal	equal	ADJ
hi-52	98	33	.194	.194	NUM
hi-52	98	34	.660	.660	NUM
hi-52	98	35	2.563	2.563	NUM
hi-52	98	36	129	129	NUM
hi-52	98	37	.012	.012	NUM
hi-52	98	38	.597	.597	NUM
hi-52	98	39	.233	.233	NUM
hi-52	98	40	.136	.136	NUM
hi-52	99	1	1.058	1.058	NUM
hi-52	99	2	influence	influence	NOUN
hi-52	99	3	variances	variance	NOUN
hi-52	99	4	assumed	assume	VERB
hi-52	99	5	equal	equal	ADJ
hi-52	99	6	2.539	2.539	NUM
hi-52	99	7	114.3	114.3	NUM
hi-52	99	8	.012	.012	NUM
hi-52	99	9	.597	.597	NUM
hi-52	99	10	.235	.235	NUM
hi-52	99	11	.131	.131	NUM
hi-52	100	1	1.063	1.063	NUM
hi-52	100	2	variances	variance	NOUN
hi-52	100	3	assumed	assume	VERB
hi-52	100	4	percieved	percieve	VERB
hi-52	100	5	equal	equal	ADJ
hi-52	100	6	4.544	4.544	NUM
hi-52	100	7	.035	.035	NUM
hi-52	100	8	3.612	3.612	NUM
hi-52	100	9	129	129	NUM
hi-52	100	10	.000	.000	NUM
hi-52	100	11	1.855	1.855	NUM
hi-52	100	12	.513	.513	NUM
hi-52	100	13	.839	.839	NUM
hi-52	100	14	2.872	2.872	NUM
hi-52	100	15	behavioural	behavioural	ADJ
hi-52	100	16	variances	variance	NOUN
hi-52	100	17	control	control	NOUN
hi-52	100	18	assumed	assume	VERB
hi-52	100	19	equal	equal	ADJ
hi-52	100	20	3.732	3.732	NUM
hi-52	100	21	128.4	128.4	NUM
hi-52	100	22	.000	.000	NUM
hi-52	100	23	1.855	1.855	NUM
hi-52	100	24	.497	.497	NUM
hi-52	100	25	.872	.872	NUM
hi-52	101	1	2.839	2.839	NUM
hi-52	101	2	variance	variance	NOUN
hi-52	101	3	assumed	assume	VERB
hi-52	101	4	innovaion	innovaion	NOUN
hi-52	101	5	equal	equal	ADJ
hi-52	101	6	2.249	2.249	NUM
hi-52	101	7	.136	.136	NUM
hi-52	101	8	2.889	2.889	NUM
hi-52	101	9	129	129	NUM
hi-52	101	10	.005	.005	NUM
hi-52	101	11	1.873	1.873	NUM
hi-52	101	12	.648	.648	NUM
hi-52	101	13	.590	.590	NUM
hi-52	101	14	3.155	3.155	NUM
hi-52	101	15	diffusion	diffusion	NOUN
hi-52	101	16	variance	variance	NOUN
hi-52	101	17	assumed	assume	VERB
hi-52	101	18	equal	equal	ADJ
hi-52	101	19	2.939	2.939	NUM
hi-52	101	20	125.02	125.02	NUM
hi-52	101	21	.004	.004	NUM
hi-52	101	22	1.873	1.873	NUM
hi-52	101	23	.637	.637	NUM
hi-52	101	24	.611	.611	NUM
hi-52	101	25	3.134	3.134	NUM
hi-52	101	26	variance	variance	NOUN
hi-52	101	27	assumed	assume	VERB
hi-52	101	28	public	public	ADJ
hi-52	101	29	equal	equal	ADJ
hi-52	101	30	.233	.233	NUM
hi-52	101	31	.630	.630	NUM
hi-52	101	32	.156	.156	NUM
hi-52	101	33	129	129	NUM
hi-52	101	34	.876	.876	NUM
hi-52	101	35	.072	.072	NUM
hi-52	101	36	.462	.462	NUM
hi-52	101	37	-.843	-.843	PROPN
hi-52	101	38	.987	.987	NUM
hi-52	101	39	relation	relation	NOUN
hi-52	101	40	variance	variance	NOUN
hi-52	101	41	assumed	assume	VERB
hi-52	101	42	equal	equal	ADJ
hi-52	101	43	.154	.154	NUM
hi-52	101	44	111.69	111.69	NUM
hi-52	101	45	.878	.878	NUM
hi-52	101	46	.072	.072	NUM
hi-52	101	47	.469	.469	NUM
hi-52	101	48	-.858	-.858	PROPN
hi-52	101	49	1.002	1.002	NUM
hi-52	101	50	variance	variance	NOUN
hi-52	101	51	assumed	assume	VERB
hi-52	101	52	hamdard	hamdard	ADJ
hi-52	101	53	islamicus	islamicus	NOUN
hi-52	101	54	vol	vol	NOUN
hi-52	101	55	.	.	PUNCT
hi-52	102	1	xliii	xliii	PROPN
hi-52	102	2	,	,	PUNCT
hi-52	102	3	no	no	INTJ
hi-52	102	4	.	.	NOUN
hi-52	102	5	3	3	NUM
hi-52	102	6	15	15	NUM
hi-52	102	7	note	note	NOUN
hi-52	102	8	:	:	PUNCT
hi-52	102	9	accept	accept	VERB
hi-52	102	10	the	the	DET
hi-52	102	11	null	null	ADJ
hi-52	102	12	hypothesis	hypothesis	NOUN
hi-52	102	13	when	when	SCONJ
hi-52	102	14	the	the	DET
hi-52	102	15	p	p	PROPN
hi-52	102	16	value	value	NOUN
hi-52	102	17	of	of	ADP
hi-52	102	18	t	t	PROPN
hi-52	102	19	-	-	PUNCT
hi-52	102	20	test	test	NOUN
hi-52	102	21	is	be	AUX
hi-52	102	22	more	more	ADJ
hi-52	102	23	than	than	ADP
hi-52	102	24	0.05	0.05	NUM
hi-52	102	25	and	and	CCONJ
hi-52	102	26	vice	vice	NOUN
hi-52	102	27	versa	versa	ADV
hi-52	102	28	.	.	PUNCT
hi-52	103	1	h1	h1	VERB
hi-52	103	2	there	there	PRON
hi-52	103	3	is	be	VERB
hi-52	103	4	an	an	DET
hi-52	103	5	impact	impact	NOUN
hi-52	103	6	of	of	ADP
hi-52	103	7	attitude	attitude	NOUN
hi-52	103	8	on	on	ADP
hi-52	103	9	the	the	DET
hi-52	103	10	adoption	adoption	NOUN
hi-52	103	11	of	of	ADP
hi-52	103	12	islamic	islamic	ADJ
hi-52	103	13	and	and	CCONJ
hi-52	103	14	conventional	conventional	ADJ
hi-52	103	15	banking	banking	NOUN
hi-52	103	16	services	service	NOUN
hi-52	103	17	.	.	PUNCT
hi-52	104	1	h2	h2	NOUN
hi-52	104	2	there	there	PRON
hi-52	104	3	is	be	VERB
hi-52	104	4	an	an	DET
hi-52	104	5	impact	impact	NOUN
hi-52	104	6	of	of	ADP
hi-52	104	7	social	social	ADJ
hi-52	104	8	influence	influence	NOUN
hi-52	104	9	on	on	ADP
hi-52	104	10	the	the	DET
hi-52	104	11	adoption	adoption	NOUN
hi-52	104	12	of	of	ADP
hi-52	104	13	islamic	islamic	ADJ
hi-52	104	14	and	and	CCONJ
hi-52	104	15	conventional	conventional	ADJ
hi-52	104	16	banking	banking	NOUN
hi-52	104	17	services	service	NOUN
hi-52	104	18	.	.	PUNCT
hi-52	105	1	h3	h3	NOUN
hi-52	105	2	there	there	PRON
hi-52	105	3	is	be	VERB
hi-52	105	4	an	an	DET
hi-52	105	5	impact	impact	NOUN
hi-52	105	6	of	of	ADP
hi-52	105	7	perceived	perceive	VERB
hi-52	105	8	behavioural	behavioural	ADJ
hi-52	105	9	control	control	NOUN
hi-52	105	10	on	on	ADP
hi-52	105	11	the	the	DET
hi-52	105	12	adoption	adoption	NOUN
hi-52	105	13	of	of	ADP
hi-52	105	14	islamic	islamic	ADJ
hi-52	105	15	and	and	CCONJ
hi-52	105	16	conventional	conventional	ADJ
hi-52	105	17	banking	banking	NOUN
hi-52	105	18	services	service	NOUN
hi-52	105	19	.	.	PUNCT
hi-52	106	1	h4	h4	NOUN
hi-52	106	2	there	there	PRON
hi-52	106	3	is	be	VERB
hi-52	106	4	an	an	DET
hi-52	106	5	impact	impact	NOUN
hi-52	106	6	of	of	ADP
hi-52	106	7	innovation	innovation	NOUN
hi-52	106	8	diffusion	diffusion	NOUN
hi-52	106	9	theory	theory	NOUN
hi-52	106	10	on	on	ADP
hi-52	106	11	the	the	DET
hi-52	106	12	adoption	adoption	NOUN
hi-52	106	13	of	of	ADP
hi-52	106	14	islamic	islamic	ADJ
hi-52	106	15	and	and	CCONJ
hi-52	106	16	conventional	conventional	ADJ
hi-52	106	17	banking	banking	NOUN
hi-52	106	18	services	service	NOUN
hi-52	106	19	.	.	PUNCT
hi-52	107	1	h5	h5	PROPN
hi-52	107	2	there	there	PRON
hi-52	107	3	is	be	VERB
hi-52	107	4	an	an	DET
hi-52	107	5	impact	impact	NOUN
hi-52	107	6	of	of	ADP
hi-52	107	7	public	public	ADJ
hi-52	107	8	relations	relation	NOUN
hi-52	107	9	on	on	ADP
hi-52	107	10	the	the	DET
hi-52	107	11	adoption	adoption	NOUN
hi-52	107	12	of	of	ADP
hi-52	107	13	islamic	islamic	ADJ
hi-52	107	14	and	and	CCONJ
hi-52	107	15	conventional	conventional	ADJ
hi-52	107	16	banking	banking	NOUN
hi-52	107	17	services	service	NOUN
hi-52	107	18	.	.	PUNCT
hi-52	108	1	from	from	ADP
hi-52	108	2	the	the	DET
hi-52	108	3	results	result	NOUN
hi-52	108	4	and	and	CCONJ
hi-52	108	5	interpretation	interpretation	NOUN
hi-52	108	6	of	of	ADP
hi-52	108	7	factor	factor	NOUN
hi-52	108	8	analysis	analysis	NOUN
hi-52	108	9	,	,	PUNCT
hi-52	108	10	we	we	PRON
hi-52	108	11	figured	figure	VERB
hi-52	108	12	that	that	DET
hi-52	108	13	attitude	attitude	NOUN
hi-52	108	14	,	,	PUNCT
hi-52	108	15	perceived	perceive	VERB
hi-52	108	16	behavioral	behavioral	ADJ
hi-52	108	17	control	control	NOUN
hi-52	108	18	and	and	CCONJ
hi-52	108	19	innovation	innovation	NOUN
hi-52	108	20	diffusion	diffusion	NOUN
hi-52	108	21	are	be	AUX
hi-52	108	22	the	the	DET
hi-52	108	23	variables	variable	NOUN
hi-52	108	24	that	that	PRON
hi-52	108	25	significantly	significantly	ADV
hi-52	108	26	involved	involve	VERB
hi-52	108	27	in	in	ADP
hi-52	108	28	the	the	DET
hi-52	108	29	adoption	adoption	NOUN
hi-52	108	30	of	of	ADP
hi-52	108	31	the	the	DET
hi-52	108	32	banking	banking	NOUN
hi-52	108	33	system	system	NOUN
hi-52	108	34	.	.	PUNCT
hi-52	109	1	conclusion	conclusion	NOUN
hi-52	109	2	the	the	DET
hi-52	109	3	present	present	ADJ
hi-52	109	4	study	study	NOUN
hi-52	109	5	seeks	seek	VERB
hi-52	109	6	to	to	PART
hi-52	109	7	find	find	VERB
hi-52	109	8	the	the	DET
hi-52	109	9	adoption	adoption	NOUN
hi-52	109	10	of	of	ADP
hi-52	109	11	ib	ib	PROPN
hi-52	109	12	and	and	CCONJ
hi-52	109	13	cb	cb	PROPN
hi-52	109	14	in	in	ADP
hi-52	109	15	pakistan	pakistan	PROPN
hi-52	109	16	.	.	PUNCT
hi-52	110	1	it	it	PRON
hi-52	110	2	is	be	AUX
hi-52	110	3	evidenced	evidence	VERB
hi-52	110	4	that	that	SCONJ
hi-52	110	5	attitude	attitude	NOUN
hi-52	110	6	,	,	PUNCT
hi-52	110	7	perceived	perceive	VERB
hi-52	110	8	behaviour	behaviour	NOUN
hi-52	110	9	and	and	CCONJ
hi-52	110	10	innovation	innovation	NOUN
hi-52	110	11	diffusion	diffusion	NOUN
hi-52	110	12	are	be	AUX
hi-52	110	13	the	the	DET
hi-52	110	14	most	most	ADV
hi-52	110	15	important	important	ADJ
hi-52	110	16	respectively	respectively	ADV
hi-52	110	17	.	.	PUNCT
hi-52	111	1	social	social	ADJ
hi-52	111	2	influence	influence	NOUN
hi-52	111	3	and	and	CCONJ
hi-52	111	4	public	public	ADJ
hi-52	111	5	relations	relation	NOUN
hi-52	111	6	have	have	VERB
hi-52	111	7	not	not	PART
hi-52	111	8	a	a	DET
hi-52	111	9	significant	significant	ADJ
hi-52	111	10	impact	impact	NOUN
hi-52	111	11	on	on	ADP
hi-52	111	12	the	the	DET
hi-52	111	13	adoption	adoption	NOUN
hi-52	111	14	decision	decision	NOUN
hi-52	111	15	.	.	PUNCT
hi-52	112	1	it	it	PRON
hi-52	112	2	may	may	AUX
hi-52	112	3	be	be	AUX
hi-52	112	4	fruitful	fruitful	ADJ
hi-52	112	5	for	for	ADP
hi-52	112	6	islamic	islamic	ADJ
hi-52	112	7	banking	banking	NOUN
hi-52	112	8	to	to	PART
hi-52	112	9	attain	attain	VERB
hi-52	112	10	market	market	NOUN
hi-52	112	11	share	share	NOUN
hi-52	112	12	for	for	ADP
hi-52	112	13	their	their	PRON
hi-52	112	14	islamic	islamic	ADJ
hi-52	112	15	products	product	NOUN
hi-52	112	16	and	and	CCONJ
hi-52	112	17	services	service	NOUN
hi-52	112	18	.	.	PUNCT
hi-52	113	1	ib	ib	PROPN
hi-52	113	2	can	can	AUX
hi-52	113	3	get	get	VERB
hi-52	113	4	high	high	ADJ
hi-52	113	5	market	market	NOUN
hi-52	113	6	share	share	NOUN
hi-52	113	7	from	from	ADP
hi-52	113	8	conventional	conventional	ADJ
hi-52	113	9	banking	banking	NOUN
hi-52	113	10	system	system	NOUN
hi-52	113	11	by	by	ADP
hi-52	113	12	using	use	VERB
hi-52	113	13	more	more	ADJ
hi-52	113	14	understanding	understanding	NOUN
hi-52	113	15	procedures	procedure	NOUN
hi-52	113	16	and	and	CCONJ
hi-52	113	17	by	by	ADP
hi-52	113	18	educating	educate	VERB
hi-52	113	19	people	people	NOUN
hi-52	113	20	.	.	PUNCT
hi-52	114	1	this	this	DET
hi-52	114	2	study	study	NOUN
hi-52	114	3	also	also	ADV
hi-52	114	4	reveals	reveal	VERB
hi-52	114	5	some	some	DET
hi-52	114	6	important	important	ADJ
hi-52	114	7	results	result	NOUN
hi-52	114	8	about	about	ADP
hi-52	114	9	government	government	NOUN
hi-52	114	10	support	support	NOUN
hi-52	114	11	,	,	PUNCT
hi-52	114	12	public	public	ADJ
hi-52	114	13	relation	relation	NOUN
hi-52	114	14	,	,	PUNCT
hi-52	114	15	social	social	ADJ
hi-52	114	16	influence	influence	NOUN
hi-52	114	17	,	,	PUNCT
hi-52	114	18	innovation	innovation	NOUN
hi-52	114	19	diffusion	diffusion	NOUN
hi-52	114	20	theory	theory	NOUN
hi-52	114	21	and	and	CCONJ
hi-52	114	22	attitude	attitude	NOUN
hi-52	114	23	of	of	ADP
hi-52	114	24	customers	customer	NOUN
hi-52	114	25	in	in	ADP
hi-52	114	26	pakistan	pakistan	PROPN
hi-52	114	27	concerning	concern	VERB
hi-52	114	28	the	the	DET
hi-52	114	29	adoption	adoption	NOUN
hi-52	114	30	of	of	ADP
hi-52	114	31	ib	ib	PROPN
hi-52	114	32	.	.	PUNCT
hi-52	115	1	this	this	DET
hi-52	115	2	16	16	NUM
hi-52	115	3	a	a	DET
hi-52	115	4	comparative	comparative	ADJ
hi-52	115	5	study	study	NOUN
hi-52	115	6	of	of	ADP
hi-52	115	7	adoption	adoption	NOUN
hi-52	115	8	...	...	PUNCT
hi-52	116	1	study	study	NOUN
hi-52	116	2	considers	consider	VERB
hi-52	116	3	only	only	ADV
hi-52	116	4	a	a	DET
hi-52	116	5	limited	limited	ADJ
hi-52	116	6	area	area	NOUN
hi-52	116	7	of	of	ADP
hi-52	116	8	pakistan	pakistan	PROPN
hi-52	116	9	,	,	PUNCT
hi-52	116	10	so	so	SCONJ
hi-52	116	11	there	there	PRON
hi-52	116	12	are	be	VERB
hi-52	116	13	future	future	ADJ
hi-52	116	14	possibilities	possibility	NOUN
hi-52	116	15	to	to	PART
hi-52	116	16	cover	cover	VERB
hi-52	116	17	different	different	ADJ
hi-52	116	18	areas	area	NOUN
hi-52	116	19	of	of	ADP
hi-52	116	20	pakistan	pakistan	PROPN
hi-52	116	21	.	.	PUNCT
hi-52	117	1	pakistan	pakistan	PROPN
hi-52	117	2	is	be	AUX
hi-52	117	3	an	an	DET
hi-52	117	4	islamic	islamic	ADJ
hi-52	117	5	economy	economy	NOUN
hi-52	117	6	with	with	ADP
hi-52	117	7	persons	person	NOUN
hi-52	117	8	of	of	ADP
hi-52	117	9	different	different	ADJ
hi-52	117	10	religions	religion	NOUN
hi-52	117	11	and	and	CCONJ
hi-52	117	12	races	race	NOUN
hi-52	117	13	.	.	PUNCT
hi-52	118	1	therefore	therefore	ADV
hi-52	118	2	,	,	PUNCT
hi-52	118	3	it	it	PRON
hi-52	118	4	is	be	AUX
hi-52	118	5	recommended	recommend	VERB
hi-52	118	6	to	to	PART
hi-52	118	7	study	study	VERB
hi-52	118	8	muslims	muslims	PROPN
hi-52	118	9	and	and	CCONJ
hi-52	118	10	non	non	NOUN
hi-52	118	11	-	-	NOUN
hi-52	118	12	muslims	muslim	NOUN
hi-52	118	13	.	.	PUNCT
hi-52	119	1	in	in	ADP
hi-52	119	2	this	this	DET
hi-52	119	3	study	study	NOUN
hi-52	119	4	,	,	PUNCT
hi-52	119	5	only	only	ADV
hi-52	119	6	five	five	NUM
hi-52	119	7	variables	variable	NOUN
hi-52	119	8	were	be	AUX
hi-52	119	9	used	use	VERB
hi-52	119	10	to	to	PART
hi-52	119	11	study	study	VERB
hi-52	119	12	the	the	DET
hi-52	119	13	reasons	reason	NOUN
hi-52	119	14	affecting	affect	VERB
hi-52	119	15	adoption	adoption	NOUN
hi-52	119	16	,	,	PUNCT
hi-52	119	17	so	so	ADV
hi-52	119	18	far	far	ADV
hi-52	119	19	there	there	PRON
hi-52	119	20	is	be	VERB
hi-52	119	21	a	a	DET
hi-52	119	22	possibility	possibility	NOUN
hi-52	119	23	to	to	PART
hi-52	119	24	develop	develop	VERB
hi-52	119	25	a	a	DET
hi-52	119	26	comprehensive	comprehensive	ADJ
hi-52	119	27	model	model	NOUN
hi-52	119	28	to	to	PART
hi-52	119	29	check	check	VERB
hi-52	119	30	the	the	DET
hi-52	119	31	factors	factor	NOUN
hi-52	119	32	affecting	affect	VERB
hi-52	119	33	adoption	adoption	NOUN
hi-52	119	34	.	.	PUNCT
hi-52	120	1	notes	note	NOUN
hi-52	120	2	and	and	CCONJ
hi-52	120	3	references	reference	NOUN
hi-52	120	4	abedifar	abedifar	ADV
hi-52	120	5	,	,	PUNCT
hi-52	120	6	p.	p.	NOUN
hi-52	120	7	,	,	PUNCT
hi-52	120	8	tarazi	tarazi	NOUN
hi-52	120	9	,	,	PUNCT
hi-52	120	10	a.	a.	NOUN
hi-52	120	11	m.	m.	NOUN
hi-52	120	12	p.	p.	PROPN
hi-52	120	13	,	,	PUNCT
hi-52	120	14	(	(	PUNCT
hi-52	120	15	2013	2013	NUM
hi-52	120	16	)	)	PUNCT
hi-52	120	17	.	.	PUNCT
hi-52	121	1	“	"	PUNCT
hi-52	121	2	risk	risk	NOUN
hi-52	121	3	in	in	ADP
hi-52	121	4	islamic	islamic	ADJ
hi-52	121	5	banking	banking	NOUN
hi-52	121	6	”	"	PUNCT
hi-52	121	7	,	,	PUNCT
hi-52	121	8	review	review	NOUN
hi-52	121	9	of	of	ADP
hi-52	121	10	finance	finance	NOUN
hi-52	121	11	,	,	PUNCT
hi-52	121	12	17(6	17(6	NUM
hi-52	121	13	)	)	PUNCT
hi-52	121	14	,	,	PUNCT
hi-52	121	15	2035	2035	NUM
hi-52	121	16	-	-	SYM
hi-52	121	17	2096	2096	NUM
hi-52	121	18	.	.	PUNCT
hi-52	122	1	abduh	abduh	ADJ
hi-52	122	2	,	,	PUNCT
hi-52	122	3	m.	m.	NOUN
hi-52	122	4	,	,	PUNCT
hi-52	122	5	omar	omar	PROPN
hi-52	122	6	,	,	PUNCT
hi-52	122	7	a.	a.	NOUN
hi-52	122	8	m.	m.	NOUN
hi-52	122	9	,	,	PUNCT
hi-52	122	10	(	(	PUNCT
hi-52	122	11	2012	2012	NUM
hi-52	122	12	)	)	PUNCT
hi-52	122	13	.	.	PUNCT
hi-52	123	1	“	"	PUNCT
hi-52	123	2	islamic	islamic	ADJ
hi-52	123	3	banking	banking	NOUN
hi-52	123	4	selection	selection	NOUN
hi-52	123	5	criteria	criterion	NOUN
hi-52	123	6	in	in	ADP
hi-52	123	7	malaysia	malaysia	PROPN
hi-52	123	8	:	:	PUNCT
hi-52	123	9	an	an	DET
hi-52	123	10	ahp	ahp	NOUN
hi-52	123	11	approach	approach	NOUN
hi-52	123	12	”	"	PUNCT
hi-52	123	13	,	,	PUNCT
hi-52	123	14	business	business	NOUN
hi-52	123	15	intelligence	intelligence	NOUN
hi-52	123	16	journal	journal	NOUN
hi-52	123	17	,	,	PUNCT
hi-52	123	18	5(2	5(2	NUM
hi-52	123	19	)	)	PUNCT
hi-52	123	20	,	,	PUNCT
hi-52	123	21	271	271	NUM
hi-52	123	22	-	-	SYM
hi-52	123	23	281	281	NUM
hi-52	123	24	.	.	PUNCT
hi-52	124	1	al	al	PROPN
hi-52	124	2	balushi	balushi	PROPN
hi-52	124	3	,	,	PUNCT
hi-52	124	4	y.	y.	PROPN
hi-52	124	5	and	and	CCONJ
hi-52	124	6	locke	locke	PROPN
hi-52	124	7	,	,	PUNCT
hi-52	124	8	s.	s.	PROPN
hi-52	124	9	(	(	PUNCT
hi-52	124	10	2019	2019	NUM
hi-52	124	11	)	)	PUNCT
hi-52	124	12	.	.	PUNCT
hi-52	125	1	“	"	PUNCT
hi-52	125	2	determinants	determinant	NOUN
hi-52	125	3	of	of	ADP
hi-52	125	4	the	the	DET
hi-52	125	5	decision	decision	NOUN
hi-52	125	6	to	to	PART
hi-52	125	7	adopt	adopt	VERB
hi-52	125	8	islamic	islamic	ADJ
hi-52	125	9	finance	finance	NOUN
hi-52	125	10	:	:	PUNCT
hi-52	125	11	evidence	evidence	NOUN
hi-52	125	12	from	from	ADP
hi-52	125	13	oman	oman	PROPN
hi-52	125	14	”	"	PUNCT
hi-52	125	15	,	,	PUNCT
hi-52	125	16	isra	isra	PROPN
hi-52	125	17	international	international	PROPN
hi-52	125	18	journal	journal	PROPN
hi-52	125	19	of	of	ADP
hi-52	125	20	islamic	islamic	PROPN
hi-52	125	21	finance	finance	NOUN
hi-52	125	22	,	,	PUNCT
hi-52	125	23	11(1	11(1	NUM
hi-52	125	24	)	)	PUNCT
hi-52	125	25	,	,	PUNCT
hi-52	125	26	6	6	NUM
hi-52	125	27	-	-	SYM
hi-52	125	28	26	26	NUM
hi-52	125	29	ali	ali	PROPN
hi-52	125	30	,	,	PUNCT
hi-52	125	31	m.	m.	NOUN
hi-52	125	32	,	,	PUNCT
hi-52	125	33	raza	raza	PROPN
hi-52	125	34	,	,	PUNCT
hi-52	125	35	a.	a.	PROPN
hi-52	125	36	s.	s.	PROPN
hi-52	125	37	,	,	PUNCT
hi-52	125	38	(	(	PUNCT
hi-52	125	39	2015	2015	NUM
hi-52	125	40	)	)	PUNCT
hi-52	125	41	.	.	PUNCT
hi-52	126	1	“	"	PUNCT
hi-52	126	2	service	service	NOUN
hi-52	126	3	quality	quality	NOUN
hi-52	126	4	perception	perception	NOUN
hi-52	126	5	and	and	CCONJ
hi-52	126	6	customer	customer	NOUN
hi-52	126	7	satisfaction	satisfaction	NOUN
hi-52	126	8	in	in	ADP
hi-52	126	9	islamic	islamic	ADJ
hi-52	126	10	banks	bank	NOUN
hi-52	126	11	of	of	ADP
hi-52	126	12	pakistan	pakistan	PROPN
hi-52	126	13	:	:	PUNCT
hi-52	126	14	the	the	DET
hi-52	126	15	modified	modify	VERB
hi-52	126	16	servqual	servqual	ADJ
hi-52	126	17	model	model	NOUN
hi-52	126	18	”	"	PUNCT
hi-52	126	19	,	,	PUNCT
hi-52	126	20	journal	journal	NOUN
hi-52	126	21	of	of	ADP
hi-52	126	22	total	total	ADJ
hi-52	126	23	quality	quality	NOUN
hi-52	126	24	management	management	NOUN
hi-52	126	25	and	and	CCONJ
hi-52	126	26	excellence	excellence	NOUN
hi-52	126	27	,	,	PUNCT
hi-52	126	28	28(5	28(5	NUM
hi-52	126	29	-	-	SYM
hi-52	126	30	6	6	NUM
hi-52	126	31	)	)	PUNCT
hi-52	126	32	,	,	PUNCT
hi-52	126	33	559	559	NUM
hi-52	126	34	-	-	SYM
hi-52	126	35	577	577	NUM
hi-52	126	36	.	.	PUNCT
hi-52	127	1	amin	amin	PROPN
hi-52	127	2	,	,	PUNCT
hi-52	127	3	m.	m.	NOUN
hi-52	127	4	,	,	PUNCT
hi-52	127	5	isa	isa	PROPN
hi-52	127	6	,	,	PUNCT
hi-52	127	7	z.	z.	PROPN
hi-52	127	8	,	,	PUNCT
hi-52	127	9	fontaine	fontaine	PROPN
hi-52	127	10	,	,	PUNCT
hi-52	127	11	r.	r.	PROPN
hi-52	127	12	,	,	PUNCT
hi-52	127	13	(	(	PUNCT
hi-52	127	14	2013	2013	NUM
hi-52	127	15	)	)	PUNCT
hi-52	127	16	.	.	PUNCT
hi-52	128	1	“	"	PUNCT
hi-52	128	2	islamic	islamic	ADJ
hi-52	128	3	banks	bank	NOUN
hi-52	128	4	:	:	PUNCT
hi-52	128	5	contrasting	contrast	VERB
hi-52	128	6	the	the	DET
hi-52	128	7	drivers	driver	NOUN
hi-52	128	8	of	of	ADP
hi-52	128	9	customer	customer	NOUN
hi-52	128	10	satisfaction	satisfaction	NOUN
hi-52	128	11	on	on	ADP
hi-52	128	12	image	image	NOUN
hi-52	128	13	,	,	PUNCT
hi-52	128	14	trust	trust	NOUN
hi-52	128	15	,	,	PUNCT
hi-52	128	16	and	and	CCONJ
hi-52	128	17	loyalty	loyalty	NOUN
hi-52	128	18	of	of	ADP
hi-52	128	19	muslim	muslim	ADJ
hi-52	128	20	and	and	CCONJ
hi-52	128	21	nonmuslim	nonmuslim	PROPN
hi-52	128	22	customers	customer	NOUN
hi-52	128	23	in	in	ADP
hi-52	128	24	malaysia	malaysia	PROPN
hi-52	128	25	”	"	PUNCT
hi-52	128	26	,	,	PUNCT
hi-52	128	27	international	international	ADJ
hi-52	128	28	journal	journal	NOUN
hi-52	128	29	of	of	ADP
hi-52	128	30	bank	bank	PROPN
hi-52	128	31	marketing	marketing	NOUN
hi-52	128	32	,	,	PUNCT
hi-52	128	33	31(2	31(2	NUM
hi-52	128	34	)	)	PUNCT
hi-52	128	35	,	,	PUNCT
hi-52	128	36	79	79	NUM
hi-52	128	37	-	-	SYM
hi-52	128	38	97	97	NUM
hi-52	128	39	.	.	PUNCT
hi-52	129	1	awan	awan	PROPN
hi-52	129	2	,	,	PUNCT
hi-52	129	3	g.	g.	PROPN
hi-52	129	4	a.	a.	PROPN
hi-52	129	5	,	,	PUNCT
hi-52	129	6	azhar	azhar	PROPN
hi-52	129	7	,	,	PUNCT
hi-52	129	8	m.	m.	NOUN
hi-52	129	9	,	,	PUNCT
hi-52	129	10	(	(	PUNCT
hi-52	129	11	2014	2014	NUM
hi-52	129	12	)	)	PUNCT
hi-52	129	13	.	.	PUNCT
hi-52	130	1	“	"	PUNCT
hi-52	130	2	consumer	consumer	NOUN
hi-52	130	3	behaviour	behaviour	NOUN
hi-52	130	4	towards	towards	ADP
hi-52	130	5	islamic	islamic	ADJ
hi-52	130	6	banking	banking	NOUN
hi-52	130	7	in	in	ADP
hi-52	130	8	pakistan	pakistan	PROPN
hi-52	130	9	”	"	PUNCT
hi-52	130	10	,	,	PUNCT
hi-52	130	11	european	european	PROPN
hi-52	130	12	journal	journal	PROPN
hi-52	130	13	of	of	ADP
hi-52	130	14	accounting	accounting	NOUN
hi-52	130	15	auditing	auditing	NOUN
hi-52	130	16	and	and	CCONJ
hi-52	130	17	finance	finance	NOUN
hi-52	130	18	research	research	NOUN
hi-52	130	19	,	,	PUNCT
hi-52	130	20	2(9	2(9	NUM
hi-52	130	21	)	)	PUNCT
hi-52	130	22	,	,	PUNCT
hi-52	130	23	42	42	NUM
hi-52	130	24	-	-	SYM
hi-52	130	25	56	56	NUM
hi-52	130	26	.	.	PUNCT
hi-52	131	1	aziz	aziz	PROPN
hi-52	131	2	,	,	PUNCT
hi-52	131	3	s.	s.	PROPN
hi-52	131	4	,	,	PUNCT
hi-52	131	5	afaq	afaq	NOUN
hi-52	131	6	,	,	PUNCT
hi-52	131	7	z.	z.	PROPN
hi-52	131	8	,	,	PUNCT
hi-52	131	9	(	(	PUNCT
hi-52	131	10	2018	2018	NUM
hi-52	131	11	)	)	PUNCT
hi-52	131	12	,	,	PUNCT
hi-52	131	13	november	november	PROPN
hi-52	131	14	26	26	NUM
hi-52	131	15	)	)	PUNCT
hi-52	131	16	.	.	PUNCT
hi-52	132	1	“	"	PUNCT
hi-52	132	2	adoption	adoption	NOUN
hi-52	132	3	of	of	ADP
hi-52	132	4	islamic	islamic	ADJ
hi-52	132	5	banking	banking	NOUN
hi-52	132	6	in	in	ADP
hi-52	132	7	pakistan	pakistan	PROPN
hi-52	132	8	an	an	DET
hi-52	132	9	empirical	empirical	ADJ
hi-52	132	10	investigation	investigation	NOUN
hi-52	132	11	”	"	PUNCT
hi-52	132	12	,	,	PUNCT
hi-52	132	13	cogent	cogent	NOUN
hi-52	132	14	business	business	NOUN
hi-52	132	15	and	and	CCONJ
hi-52	132	16	management	management	NOUN
hi-52	132	17	,	,	PUNCT
hi-52	132	18	5(1	5(1	NUM
hi-52	132	19	)	)	PUNCT
hi-52	132	20	,	,	PUNCT
hi-52	132	21	1	1	NUM
hi-52	132	22	-	-	SYM
hi-52	132	23	18	18	NUM
hi-52	132	24	.	.	PUNCT
hi-52	132	25	butt	butt	PROPN
hi-52	132	26	,	,	PUNCT
hi-52	132	27	i.	i.	PROPN
hi-52	132	28	,	,	PUNCT
hi-52	132	29	saleem	saleem	PROPN
hi-52	132	30	,	,	PUNCT
hi-52	132	31	n.	n.	PROPN
hi-52	132	32	,	,	PUNCT
hi-52	132	33	ahmed	ahmed	PROPN
hi-52	132	34	,	,	PUNCT
hi-52	132	35	h.	h.	PROPN
hi-52	132	36	,	,	PUNCT
hi-52	132	37	altaf	altaf	PROPN
hi-52	132	38	,	,	PUNCT
hi-52	132	39	m.	m.	NOUN
hi-52	132	40	,	,	PUNCT
hi-52	132	41	jaffer	jaffer	PROPN
hi-52	132	42	,	,	PUNCT
hi-52	132	43	k.	k.	PROPN
hi-52	132	44	,	,	PUNCT
hi-52	132	45	jawad	jawad	PROPN
hi-52	132	46	,	,	PUNCT
hi-52	132	47	m.	m.	NOUN
hi-52	132	48	,	,	PUNCT
hi-52	132	49	(	(	PUNCT
hi-52	132	50	2011	2011	NUM
hi-52	132	51	)	)	PUNCT
hi-52	132	52	.	.	PUNCT
hi-52	133	1	“	"	PUNCT
hi-52	133	2	barriers	barrier	NOUN
hi-52	133	3	to	to	ADP
hi-52	133	4	adoption	adoption	NOUN
hi-52	133	5	of	of	ADP
hi-52	133	6	islamic	islamic	ADJ
hi-52	133	7	banking	banking	NOUN
hi-52	133	8	in	in	ADP
hi-52	133	9	pakistan	pakistan	PROPN
hi-52	133	10	”	"	PUNCT
hi-52	133	11	,	,	PUNCT
hi-52	133	12	journal	journal	NOUN
hi-52	133	13	of	of	ADP
hi-52	133	14	islamic	islamic	PROPN
hi-52	133	15	marketing	marketing	NOUN
hi-52	133	16	,	,	PUNCT
hi-52	133	17	2(3	2(3	NUM
hi-52	133	18	)	)	PUNCT
hi-52	133	19	,	,	PUNCT
hi-52	133	20	259	259	NUM
hi-52	133	21	-	-	SYM
hi-52	133	22	273	273	NUM
hi-52	133	23	.	.	PUNCT
hi-52	134	1	cialdini	cialdini	PROPN
hi-52	134	2	,	,	PUNCT
hi-52	134	3	b.	b.	PROPN
hi-52	134	4	r.	r.	PROPN
hi-52	134	5	,	,	PUNCT
hi-52	134	6	goldstein	goldstein	PROPN
hi-52	134	7	,	,	PUNCT
hi-52	134	8	j.	j.	PROPN
hi-52	134	9	n.	n.	PROPN
hi-52	134	10	,	,	PUNCT
hi-52	134	11	(	(	PUNCT
hi-52	134	12	2004	2004	NUM
hi-52	134	13	)	)	PUNCT
hi-52	134	14	.	.	PUNCT
hi-52	135	1	“	"	PUNCT
hi-52	135	2	social	social	ADJ
hi-52	135	3	influence	influence	NOUN
hi-52	135	4	:	:	PUNCT
hi-52	135	5	compliance	compliance	NOUN
hi-52	135	6	and	and	CCONJ
hi-52	135	7	conformity	conformity	NOUN
hi-52	135	8	”	"	PUNCT
hi-52	135	9	,	,	PUNCT
hi-52	135	10	annual	annual	ADJ
hi-52	135	11	review	review	NOUN
hi-52	135	12	of	of	ADP
hi-52	135	13	psychology	psychology	NOUN
hi-52	135	14	,	,	PUNCT
hi-52	135	15	55	55	NUM
hi-52	135	16	,	,	PUNCT
hi-52	135	17	591	591	NUM
hi-52	135	18	-	-	SYM
hi-52	135	19	621	621	NUM
hi-52	135	20	.	.	PUNCT
hi-52	136	1	chong	chong	PROPN
hi-52	136	2	,	,	PUNCT
hi-52	136	3	b.	b.	PROPN
hi-52	136	4	s.	s.	PROPN
hi-52	136	5	,	,	PUNCT
hi-52	136	6	liu	liu	PROPN
hi-52	136	7	,	,	PUNCT
hi-52	136	8	m.	m.	PROPN
hi-52	136	9	h.	h.	PROPN
hi-52	136	10	,	,	PUNCT
hi-52	136	11	(	(	PUNCT
hi-52	136	12	2009	2009	NUM
hi-52	136	13	)	)	PUNCT
hi-52	136	14	.	.	PUNCT
hi-52	137	1	“	"	PUNCT
hi-52	137	2	islamic	islamic	ADJ
hi-52	137	3	banking	banking	NOUN
hi-52	137	4	:	:	PUNCT
hi-52	137	5	interest	interest	NOUN
hi-52	137	6	-	-	PUNCT
hi-52	137	7	free	free	ADJ
hi-52	137	8	or	or	CCONJ
hi-52	137	9	interest	interest	NOUN
hi-52	137	10	-	-	PUNCT
hi-52	137	11	based	base	VERB
hi-52	137	12	?	?	PUNCT
hi-52	137	13	”	"	PUNCT
hi-52	137	14	,	,	PUNCT
hi-52	137	15	pacific	pacific	ADJ
hi-52	137	16	-	-	PUNCT
hi-52	137	17	basin	basin	NOUN
hi-52	137	18	finance	finance	NOUN
hi-52	137	19	journal	journal	NOUN
hi-52	137	20	,	,	PUNCT
hi-52	137	21	17(1	17(1	NUM
hi-52	137	22	)	)	PUNCT
hi-52	137	23	,	,	PUNCT
hi-52	137	24	125	125	NUM
hi-52	137	25	-	-	SYM
hi-52	137	26	144	144	NUM
hi-52	137	27	.	.	PUNCT
hi-52	138	1	ergec	ergec	PROPN
hi-52	138	2	,	,	PUNCT
hi-52	138	3	e.	e.	PROPN
hi-52	138	4	h.	h.	PROPN
hi-52	138	5	,	,	PUNCT
hi-52	138	6	arslan	arslan	PROPN
hi-52	138	7	,	,	PUNCT
hi-52	138	8	b.g	b.g	PROPN
hi-52	138	9	.	.	PROPN
hi-52	138	10	,	,	PUNCT
hi-52	138	11	(	(	PUNCT
hi-52	138	12	2012	2012	NUM
hi-52	138	13	)	)	PUNCT
hi-52	138	14	.	.	PUNCT
hi-52	139	1	“	"	PUNCT
hi-52	139	2	impact	impact	NOUN
hi-52	139	3	of	of	ADP
hi-52	139	4	interest	interest	NOUN
hi-52	139	5	rates	rate	NOUN
hi-52	139	6	on	on	ADP
hi-52	139	7	islamic	islamic	ADJ
hi-52	139	8	and	and	CCONJ
hi-52	139	9	conventional	conventional	ADJ
hi-52	139	10	banks	bank	NOUN
hi-52	139	11	:	:	PUNCT
hi-52	139	12	the	the	DET
hi-52	139	13	case	case	NOUN
hi-52	139	14	of	of	ADP
hi-52	139	15	turkey	turkey	NOUN
hi-52	139	16	”	"	PUNCT
hi-52	139	17	,	,	PUNCT
hi-52	139	18	journal	journal	NOUN
hi-52	139	19	of	of	ADP
hi-52	139	20	applied	apply	VERB
hi-52	139	21	economics	economic	NOUN
hi-52	139	22	,	,	PUNCT
hi-52	139	23	45	45	NUM
hi-52	139	24	(	(	PUNCT
hi-52	139	25	17	17	NUM
hi-52	139	26	)	)	PUNCT
hi-52	139	27	,	,	PUNCT
hi-52	139	28	2381	2381	NUM
hi-52	139	29	-	-	SYM
hi-52	139	30	2388	2388	NUM
hi-52	139	31	.	.	PUNCT
hi-52	140	1	khattak	khattak	PROPN
hi-52	140	2	,	,	PUNCT
hi-52	140	3	n.a	n.a	PROPN
hi-52	140	4	.	.	PROPN
hi-52	140	5	,	,	PUNCT
hi-52	140	6	rehman	rehman	PROPN
hi-52	140	7	,	,	PUNCT
hi-52	140	8	k.	k.	PROPN
hi-52	140	9	(	(	PUNCT
hi-52	140	10	2010	2010	NUM
hi-52	140	11	)	)	PUNCT
hi-52	140	12	.	.	PUNCT
hi-52	141	1	“	"	PUNCT
hi-52	141	2	customer	customer	NOUN
hi-52	141	3	satisfaction	satisfaction	NOUN
hi-52	141	4	and	and	CCONJ
hi-52	141	5	awareness	awareness	NOUN
hi-52	141	6	of	of	ADP
hi-52	141	7	islamic	islamic	ADJ
hi-52	141	8	banking	banking	NOUN
hi-52	141	9	system	system	NOUN
hi-52	141	10	in	in	ADP
hi-52	141	11	pakistan	pakistan	PROPN
hi-52	141	12	”	"	PUNCT
hi-52	141	13	,	,	PUNCT
hi-52	141	14	african	african	ADJ
hi-52	141	15	journal	journal	NOUN
hi-52	141	16	of	of	ADP
hi-52	141	17	business	business	NOUN
hi-52	141	18	management	management	NOUN
hi-52	141	19	,	,	PUNCT
hi-52	141	20	4(5	4(5	PROPN
hi-52	141	21	)	)	PUNCT
hi-52	141	22	,	,	PUNCT
hi-52	141	23	662	662	NUM
hi-52	141	24	-	-	SYM
hi-52	141	25	671	671	NUM
hi-52	141	26	.	.	PUNCT
hi-52	142	1	lajuni	lajuni	PROPN
hi-52	142	2	,	,	PUNCT
hi-52	142	3	n.	n.	PROPN
hi-52	142	4	,	,	PUNCT
hi-52	142	5	ming	ming	PROPN
hi-52	142	6	,	,	PUNCT
hi-52	142	7	p.	p.	PROPN
hi-52	142	8	w.	w.	PROPN
hi-52	142	9	w.	w.	PROPN
hi-52	142	10	,	,	PUNCT
hi-52	142	11	yacob	yacob	PROPN
hi-52	142	12	,	,	PUNCT
hi-52	142	13	y.	y.	PROPN
hi-52	142	14	,	,	PUNCT
hi-52	142	15	ting	ting	PROPN
hi-52	142	16	,	,	PUNCT
hi-52	142	17	h.	h.	PROPN
hi-52	142	18	,	,	PUNCT
hi-52	142	19	jausin	jausin	PROPN
hi-52	142	20	,	,	PUNCT
hi-52	142	21	a.	a.	NOUN
hi-52	142	22	,	,	PUNCT
hi-52	142	23	(	(	PUNCT
hi-52	142	24	2017	2017	NUM
hi-52	142	25	)	)	PUNCT
hi-52	142	26	.	.	PUNCT
hi-52	143	1	“	"	PUNCT
hi-52	143	2	intension	intension	NOUN
hi-52	143	3	to	to	PART
hi-52	143	4	use	use	VERB
hi-52	143	5	islamic	islamic	ADJ
hi-52	143	6	banking	banking	NOUN
hi-52	143	7	products	product	NOUN
hi-52	143	8	and	and	CCONJ
hi-52	143	9	its	its	PRON
hi-52	143	10	determinants	determinant	NOUN
hi-52	143	11	”	"	PUNCT
hi-52	143	12	,	,	PUNCT
hi-52	143	13	international	international	ADJ
hi-52	143	14	journal	journal	NOUN
hi-52	143	15	of	of	ADP
hi-52	143	16	economics	economic	NOUN
hi-52	143	17	and	and	CCONJ
hi-52	143	18	financial	financial	ADJ
hi-52	143	19	issues	issue	NOUN
hi-52	143	20	,	,	PUNCT
hi-52	143	21	7(1	7(1	NUM
hi-52	143	22	)	)	PUNCT
hi-52	143	23	,	,	PUNCT
hi-52	143	24	329	329	NUM
hi-52	143	25	-	-	SYM
hi-52	143	26	333	333	NUM
hi-52	143	27	.	.	PUNCT
hi-52	144	1	marimuthu	marimuthu	NOUN
hi-52	144	2	,	,	PUNCT
hi-52	144	3	m.	m.	NOUN
hi-52	144	4	,	,	PUNCT
hi-52	144	5	jing	jing	PROPN
hi-52	144	6	,	,	PUNCT
hi-52	144	7	w.	w.	PROPN
hi-52	144	8	c.	c.	PROPN
hi-52	144	9	,	,	PUNCT
hi-52	144	10	mun	mun	PROPN
hi-52	144	11	,	,	PUNCT
hi-52	144	12	p.	p.	PROPN
hi-52	144	13	l.g	l.g	PROPN
hi-52	144	14	.	.	PUNCT
hi-52	145	1	p.	p.	PROPN
hi-52	145	2	l.	l.	PROPN
hi-52	145	3	,	,	PUNCT
hi-52	145	4	ping	ping	PROPN
hi-52	145	5	,	,	PUNCT
hi-52	145	6	y.	y.	PROPN
hi-52	145	7	t.	t.	PROPN
hi-52	145	8	,	,	PUNCT
hi-52	145	9	(	(	PUNCT
hi-52	145	10	2010	2010	NUM
hi-52	145	11	)	)	PUNCT
hi-52	145	12	.	.	PUNCT
hi-52	146	1	“	"	PUNCT
hi-52	146	2	islamic	islamic	ADJ
hi-52	146	3	banking	banking	NOUN
hi-52	146	4	:	:	PUNCT
hi-52	146	5	hamdard	hamdard	ADJ
hi-52	146	6	islamicus	islamicus	NOUN
hi-52	146	7	vol	vol	NOUN
hi-52	146	8	.	.	PUNCT
hi-52	147	1	xliii	xliii	PROPN
hi-52	147	2	,	,	PUNCT
hi-52	147	3	no	no	INTJ
hi-52	147	4	.	.	NOUN
hi-52	147	5	3	3	NUM
hi-52	147	6	17	17	NUM
hi-52	147	7	selection	selection	NOUN
hi-52	147	8	criteria	criterion	NOUN
hi-52	147	9	and	and	CCONJ
hi-52	147	10	implications	implication	NOUN
hi-52	147	11	”	"	PUNCT
hi-52	147	12	,	,	PUNCT
hi-52	147	13	global	global	ADJ
hi-52	147	14	journal	journal	NOUN
hi-52	147	15	of	of	ADP
hi-52	147	16	human	human	ADJ
hi-52	147	17	social	social	ADJ
hi-52	147	18	science	science	NOUN
hi-52	147	19	,	,	PUNCT
hi-52	147	20	10(4	10(4	NUM
hi-52	147	21	)	)	PUNCT
hi-52	147	22	,	,	PUNCT
hi-52	147	23	52	52	NUM
hi-52	147	24	-	-	SYM
hi-52	147	25	62	62	NUM
hi-52	147	26	.	.	PUNCT
hi-52	148	1	muhamad	muhamad	PROPN
hi-52	148	2	,	,	PUNCT
hi-52	148	3	f.	f.	PROPN
hi-52	148	4	s.	s.	PROPN
hi-52	148	5	,	,	PUNCT
hi-52	148	6	anuar	anuar	PROPN
hi-52	148	7	,	,	PUNCT
hi-52	148	8	a.	a.	NOUN
hi-52	148	9	n.	n.	PROPN
hi-52	148	10	,	,	PUNCT
hi-52	148	11	kamarudin	kamarudin	PROPN
hi-52	148	12	,	,	PUNCT
hi-52	148	13	k.	k.	PROPN
hi-52	148	14	m.	m.	PROPN
hi-52	148	15	,	,	PUNCT
hi-52	148	16	aziz	aziz	PROPN
hi-52	148	17	,	,	PUNCT
hi-52	148	18	a.	a.	NOUN
hi-52	148	19	a.	a.	NOUN
hi-52	148	20	n.	n.	PROPN
hi-52	148	21	,	,	PUNCT
hi-52	148	22	pazil	pazil	NOUN
hi-52	148	23	,	,	PUNCT
hi-52	148	24	m.	m.	PROPN
hi-52	148	25	h.	h.	PROPN
hi-52	148	26	a.	a.	PROPN
hi-52	148	27	,	,	PUNCT
hi-52	148	28	muhammad	muhammad	PROPN
hi-52	148	29	,	,	PUNCT
hi-52	148	30	z.	z.	PROPN
hi-52	148	31	m.	m.	PROPN
hi-52	148	32	,	,	PUNCT
hi-52	148	33	(	(	PUNCT
hi-52	148	34	2015	2015	NUM
hi-52	148	35	)	)	PUNCT
hi-52	148	36	.	.	PUNCT
hi-52	149	1	“	"	PUNCT
hi-52	149	2	banking	banking	NOUN
hi-52	149	3	selection	selection	NOUN
hi-52	149	4	criteria	criterion	NOUN
hi-52	149	5	:	:	PUNCT
hi-52	149	6	a	a	DET
hi-52	149	7	study	study	NOUN
hi-52	149	8	among	among	ADP
hi-52	149	9	muslims	muslims	PROPN
hi-52	149	10	in	in	ADP
hi-52	149	11	kelantan	kelantan	PROPN
hi-52	149	12	”	"	PUNCT
hi-52	149	13	,	,	PUNCT
hi-52	149	14	international	international	ADJ
hi-52	149	15	journal	journal	NOUN
hi-52	149	16	of	of	ADP
hi-52	149	17	marketing	marketing	NOUN
hi-52	149	18	research	research	NOUN
hi-52	149	19	review	review	NOUN
hi-52	149	20	,	,	PUNCT
hi-52	149	21	3(12	3(12	NUM
hi-52	149	22	)	)	PUNCT
hi-52	149	23	,	,	PUNCT
hi-52	149	24	93	93	NUM
hi-52	149	25	-	-	SYM
hi-52	149	26	10	10	NUM
hi-52	149	27	nawaz	nawaz	NOUN
hi-52	149	28	,	,	PUNCT
hi-52	149	29	t.	t.	NOUN
hi-52	149	30	,	,	PUNCT
hi-52	149	31	and	and	CCONJ
hi-52	149	32	haniffa	haniffa	PROPN
hi-52	149	33	,	,	PUNCT
hi-52	149	34	r.	r.	PROPN
hi-52	149	35	(	(	PUNCT
hi-52	149	36	2017	2017	NUM
hi-52	149	37	)	)	PUNCT
hi-52	149	38	.	.	PUNCT
hi-52	150	1	“	"	PUNCT
hi-52	150	2	determinants	determinant	NOUN
hi-52	150	3	of	of	ADP
hi-52	150	4	financial	financial	ADJ
hi-52	150	5	performance	performance	NOUN
hi-52	150	6	of	of	ADP
hi-52	150	7	islamic	islamic	ADJ
hi-52	150	8	banks	bank	NOUN
hi-52	150	9	:	:	PUNCT
hi-52	150	10	an	an	DET
hi-52	150	11	intellectual	intellectual	ADJ
hi-52	150	12	capital	capital	NOUN
hi-52	150	13	perspective	perspective	PROPN
hi-52	150	14	”	"	PUNCT
hi-52	150	15	,	,	PUNCT
hi-52	150	16	journal	journal	NOUN
hi-52	150	17	of	of	ADP
hi-52	150	18	islamic	islamic	PROPN
hi-52	150	19	accounting	accounting	PROPN
hi-52	150	20	and	and	CCONJ
hi-52	150	21	business	business	NOUN
hi-52	150	22	research	research	NOUN
hi-52	150	23	,	,	PUNCT
hi-52	150	24	8(2	8(2	NUM
hi-52	150	25	)	)	PUNCT
hi-52	150	26	,	,	PUNCT
hi-52	150	27	130	130	NUM
hi-52	150	28	-142	-142	PROPN
hi-52	150	29	.	.	PUNCT
hi-52	150	30	organization	organization	NOUN
hi-52	150	31	of	of	ADP
hi-52	150	32	islamic	islamic	ADJ
hi-52	150	33	cooperation	cooperation	NOUN
hi-52	150	34	(	(	PUNCT
hi-52	150	35	2019	2019	NUM
hi-52	150	36	)	)	PUNCT
hi-52	150	37	.	.	PUNCT
hi-52	151	1	https://www.oic-oci.org/home/?lan=en	https://www.oic-oci.org/home/?lan=en	PROPN
hi-52	151	2	rehman	rehman	PROPN
hi-52	151	3	,	,	PUNCT
hi-52	151	4	m.	m.	NOUN
hi-52	151	5	,	,	PUNCT
hi-52	151	6	(	(	PUNCT
hi-52	151	7	2012	2012	NUM
hi-52	151	8	)	)	PUNCT
hi-52	151	9	.	.	PUNCT
hi-52	152	1	“	"	PUNCT
hi-52	152	2	customer	customer	NOUN
hi-52	152	3	’s	’s	PART
hi-52	152	4	tendency	tendency	NOUN
hi-52	152	5	towards	towards	ADP
hi-52	152	6	the	the	DET
hi-52	152	7	selection	selection	NOUN
hi-52	152	8	of	of	ADP
hi-52	152	9	islamic	islamic	ADJ
hi-52	152	10	banking	banking	NOUN
hi-52	152	11	system	system	NOUN
hi-52	152	12	in	in	ADP
hi-52	152	13	pakistan	pakistan	PROPN
hi-52	152	14	”	"	PUNCT
hi-52	152	15	,	,	PUNCT
hi-52	152	16	african	african	ADJ
hi-52	152	17	journal	journal	NOUN
hi-52	152	18	of	of	ADP
hi-52	152	19	business	business	NOUN
hi-52	152	20	management	management	NOUN
hi-52	152	21	,	,	PUNCT
hi-52	152	22	6(5	6(5	NUM
hi-52	152	23	)	)	PUNCT
hi-52	152	24	,	,	PUNCT
hi-52	152	25	2064	2064	NUM
hi-52	152	26	-	-	SYM
hi-52	152	27	2070	2070	NUM
hi-52	152	28	.	.	PUNCT
hi-52	153	1	tara	tara	PROPN
hi-52	153	2	,	,	PUNCT
hi-52	153	3	n.	n.	PROPN
hi-52	153	4	irshad	irshad	PROPN
hi-52	153	5	,	,	PUNCT
hi-52	153	6	m.	m.	NOUN
hi-52	153	7	and	and	CCONJ
hi-52	153	8	khan	khan	PROPN
hi-52	153	9	,	,	PUNCT
hi-52	153	10	r.m	r.m	PROPN
hi-52	153	11	.	.	PROPN
hi-52	153	12	(	(	PUNCT
hi-52	153	13	2014	2014	NUM
hi-52	153	14	)	)	PUNCT
hi-52	153	15	.	.	PUNCT
hi-52	154	1	“	"	PUNCT
hi-52	154	2	factors	factor	NOUN
hi-52	154	3	influencing	influence	VERB
hi-52	154	4	adoption	adoption	NOUN
hi-52	154	5	of	of	ADP
hi-52	154	6	islamic	islamic	ADJ
hi-52	154	7	banking	banking	NOUN
hi-52	154	8	:	:	PUNCT
hi-52	154	9	a	a	DET
hi-52	154	10	study	study	NOUN
hi-52	154	11	from	from	ADP
hi-52	154	12	pakistan	pakistan	PROPN
hi-52	154	13	”	"	PUNCT
hi-52	154	14	,	,	PUNCT
hi-52	154	15	journal	journal	NOUN
hi-52	154	16	of	of	ADP
hi-52	154	17	public	public	ADJ
hi-52	154	18	administration	administration	NOUN
hi-52	154	19	and	and	CCONJ
hi-52	154	20	governance	governance	NOUN
hi-52	154	21	,	,	PUNCT
hi-52	154	22	4(3	4(3	NUM
hi-52	154	23	)	)	PUNCT
hi-52	154	24	,	,	PUNCT
hi-52	154	25	352	352	NUM
hi-52	154	26	-	-	SYM
hi-52	154	27	367	367	NUM
hi-52	154	28	.	.	PUNCT
hi-52	155	1	usman	usman	PROPN
hi-52	155	2	,	,	PUNCT
hi-52	155	3	h.	h.	PROPN
hi-52	155	4	,	,	PUNCT
hi-52	155	5	tjiptoherijanto	tjiptoherijanto	NOUN
hi-52	155	6	,	,	PUNCT
hi-52	155	7	p.	p.	PROPN
hi-52	155	8	,	,	PUNCT
hi-52	155	9	balqiah	balqiah	PROPN
hi-52	155	10	,	,	PUNCT
hi-52	155	11	e.	e.	PROPN
hi-52	155	12	t.	t.	PROPN
hi-52	155	13	,	,	PUNCT
hi-52	155	14	agung	agung	PROPN
hi-52	155	15	,	,	PUNCT
hi-52	155	16	n.	n.	PROPN
hi-52	155	17	g.	g.	PROPN
hi-52	155	18	,	,	PUNCT
hi-52	155	19	(	(	PUNCT
hi-52	155	20	2017	2017	NUM
hi-52	155	21	)	)	PUNCT
hi-52	155	22	.	.	PUNCT
hi-52	156	1	“	"	PUNCT
hi-52	156	2	the	the	DET
hi-52	156	3	role	role	NOUN
hi-52	156	4	of	of	ADP
hi-52	156	5	religious	religious	ADJ
hi-52	156	6	norms	norm	NOUN
hi-52	156	7	,	,	PUNCT
hi-52	156	8	trust	trust	NOUN
hi-52	156	9	,	,	PUNCT
hi-52	156	10	importance	importance	NOUN
hi-52	156	11	of	of	ADP
hi-52	156	12	attributes	attribute	NOUN
hi-52	156	13	and	and	CCONJ
hi-52	156	14	information	information	NOUN
hi-52	156	15	sources	source	NOUN
hi-52	156	16	in	in	ADP
hi-52	156	17	the	the	DET
hi-52	156	18	relationship	relationship	NOUN
hi-52	156	19	between	between	ADP
hi-52	156	20	religiosity	religiosity	NOUN
hi-52	156	21	and	and	CCONJ
hi-52	156	22	selection	selection	NOUN
hi-52	156	23	of	of	ADP
hi-52	156	24	the	the	DET
hi-52	156	25	islamic	islamic	PROPN
hi-52	156	26	bank	bank	PROPN
hi-52	156	27	”	"	PUNCT
hi-52	156	28	,	,	PUNCT
hi-52	156	29	journal	journal	NOUN
hi-52	156	30	of	of	ADP
hi-52	156	31	islamic	islamic	PROPN
hi-52	156	32	marketing	marketing	NOUN
hi-52	156	33	,	,	PUNCT
hi-52	156	34	8(2	8(2	NUM
hi-52	156	35	)	)	PUNCT
hi-52	156	36	,	,	PUNCT
hi-52	156	37	158	158	NUM
hi-52	156	38	-	-	SYM
hi-52	156	39	18	18	NUM