id	sid	tid	token	lemma	pos
ijtc-1132	1	1	the	the	DET
ijtc-1132	1	2	illomata	illomata	PROPN
ijtc-1132	1	3	international	international	PROPN
ijtc-1132	1	4	journal	journal	PROPN
ijtc-1132	1	5	of	of	ADP
ijtc-1132	1	6	management	management	NOUN
ijtc-1132	1	7	ilomata	ilomata	PROPN
ijtc-1132	1	8	international	international	ADJ
ijtc-1132	1	9	journal	journal	NOUN
ijtc-1132	1	10	of	of	ADP
ijtc-1132	1	11	tax	tax	PROPN
ijtc-1132	1	12	&	&	CCONJ
ijtc-1132	1	13	accounting	account	VERB
ijtc-1132	1	14	p	p	PROPN
ijtc-1132	1	15	-	-	PUNCT
ijtc-1132	1	16	issn	issn	NOUN
ijtc-1132	1	17	:	:	PUNCT
ijtc-1132	1	18	2714	2714	NUM
ijtc-1132	1	19	-	-	SYM
ijtc-1132	1	20	9838	9838	NUM
ijtc-1132	1	21	;	;	PUNCT
ijtc-1132	1	22	e	e	X
ijtc-1132	1	23	-	-	PUNCT
ijtc-1132	1	24	issn	issn	NOUN
ijtc-1132	1	25	:	:	PUNCT
ijtc-1132	1	26	2714	2714	NUM
ijtc-1132	1	27	-	-	SYM
ijtc-1132	1	28	9846	9846	NUM
ijtc-1132	1	29	volume	volume	NOUN
ijtc-1132	1	30	5	5	NUM
ijtc-1132	1	31	,	,	PUNCT
ijtc-1132	1	32	issue	issue	NOUN
ijtc-1132	1	33	2	2	NUM
ijtc-1132	1	34	,	,	PUNCT
ijtc-1132	1	35	april	april	PROPN
ijtc-1132	1	36	2024	2024	NUM
ijtc-1132	1	37	page	page	NOUN
ijtc-1132	1	38	no	no	NOUN
ijtc-1132	1	39	.	.	PUNCT
ijtc-1132	2	1	488	488	NUM
ijtc-1132	2	2	-	-	SYM
ijtc-1132	2	3	502	502	NUM
ijtc-1132	2	4	488	488	NUM
ijtc-1132	2	5	|	|	ADV
ijtc-1132	2	6	ilomata	ilomata	PROPN
ijtc-1132	2	7	international	international	ADJ
ijtc-1132	2	8	journal	journal	NOUN
ijtc-1132	2	9	of	of	ADP
ijtc-1132	2	10	tax	tax	PROPN
ijtc-1132	2	11	&	&	CCONJ
ijtc-1132	2	12	accounting	account	VERB
ijtc-1132	2	13	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	2	14	the	the	DET
ijtc-1132	2	15	determinants	determinant	NOUN
ijtc-1132	2	16	of	of	ADP
ijtc-1132	2	17	mobile	mobile	ADJ
ijtc-1132	2	18	e	e	NOUN
ijtc-1132	2	19	-	-	NOUN
ijtc-1132	2	20	wallet	wallet	NOUN
ijtc-1132	2	21	adoption	adoption	NOUN
ijtc-1132	2	22	across	across	ADP
ijtc-1132	2	23	generation	generation	NOUN
ijtc-1132	2	24	,	,	PUNCT
ijtc-1132	2	25	a	a	DET
ijtc-1132	2	26	lesson	lesson	NOUN
ijtc-1132	2	27	learned	learn	VERB
ijtc-1132	2	28	from	from	ADP
ijtc-1132	2	29	indonesia	indonesia	PROPN
ijtc-1132	2	30	nur	nur	PROPN
ijtc-1132	2	31	arini1	arini1	NOUN
ijtc-1132	2	32	,	,	PUNCT
ijtc-1132	2	33	baiq	baiq	PROPN
ijtc-1132	2	34	anggun	anggun	PROPN
ijtc-1132	2	35	hilendri	hilendri	PROPN
ijtc-1132	2	36	lestari2	lestari2	PROPN
ijtc-1132	2	37	,	,	PUNCT
ijtc-1132	2	38	tri	tri	PROPN
ijtc-1132	2	39	hanani3	hanani3	PROPN
ijtc-1132	2	40	12university	12university	NUM
ijtc-1132	2	41	of	of	ADP
ijtc-1132	2	42	mataram	mataram	PROPN
ijtc-1132	2	43	,	,	PUNCT
ijtc-1132	2	44	indonesia	indonesia	PROPN
ijtc-1132	2	45	correspondent	correspondent	NOUN
ijtc-1132	2	46	:	:	PUNCT
ijtc-1132	2	47	nurarini125@gmail.com1	nurarini125@gmail.com1	PROPN
ijtc-1132	2	48	received	receive	VERB
ijtc-1132	2	49	:	:	PUNCT
ijtc-1132	2	50	february	february	PROPN
ijtc-1132	2	51	10	10	NUM
ijtc-1132	2	52	,	,	PUNCT
ijtc-1132	2	53	2024	2024	NUM
ijtc-1132	2	54	accepted	accept	VERB
ijtc-1132	2	55	:	:	PUNCT
ijtc-1132	2	56	april	april	PROPN
ijtc-1132	2	57	15	15	NUM
ijtc-1132	2	58	,	,	PUNCT
ijtc-1132	2	59	2024	2024	NUM
ijtc-1132	2	60	published	publish	VERB
ijtc-1132	2	61	:	:	PUNCT
ijtc-1132	2	62	april	april	PROPN
ijtc-1132	2	63	30	30	NUM
ijtc-1132	2	64	,	,	PUNCT
ijtc-1132	2	65	2024	2024	NUM
ijtc-1132	2	66	citation	citation	NOUN
ijtc-1132	2	67	:	:	PUNCT
ijtc-1132	3	1	arini	arini	PROPN
ijtc-1132	3	2	,	,	PUNCT
ijtc-1132	3	3	n.	n.	NOUN
ijtc-1132	3	4	,	,	PUNCT
ijtc-1132	3	5	lestari	lestari	PROPN
ijtc-1132	3	6	,	,	PUNCT
ijtc-1132	3	7	b	b	NOUN
ijtc-1132	3	8	,	,	PUNCT
ijtc-1132	3	9	a	a	PRON
ijtc-1132	3	10	,	,	PUNCT
ijtc-1132	3	11	h.	h.	NOUN
ijtc-1132	3	12	,	,	PUNCT
ijtc-1132	3	13	hanani	hanani	NOUN
ijtc-1132	3	14	,	,	PUNCT
ijtc-1132	3	15	t.	t.	PROPN
ijtc-1132	3	16	(	(	PUNCT
ijtc-1132	3	17	2024	2024	NUM
ijtc-1132	3	18	)	)	PUNCT
ijtc-1132	3	19	.	.	PUNCT
ijtc-1132	4	1	the	the	DET
ijtc-1132	4	2	determinants	determinant	NOUN
ijtc-1132	4	3	of	of	ADP
ijtc-1132	4	4	mobile	mobile	ADJ
ijtc-1132	4	5	ewallet	ewallet	ADJ
ijtc-1132	4	6	adoption	adoption	NOUN
ijtc-1132	4	7	across	across	ADP
ijtc-1132	4	8	generation	generation	NOUN
ijtc-1132	4	9	,	,	PUNCT
ijtc-1132	4	10	a	a	DET
ijtc-1132	4	11	lesson	lesson	NOUN
ijtc-1132	4	12	learned	learn	VERB
ijtc-1132	4	13	from	from	ADP
ijtc-1132	4	14	indonesia	indonesia	PROPN
ijtc-1132	4	15	.	.	PUNCT
ijtc-1132	5	1	ilomata	ilomata	PROPN
ijtc-1132	5	2	international	international	ADJ
ijtc-1132	5	3	journal	journal	NOUN
ijtc-1132	5	4	of	of	ADP
ijtc-1132	5	5	tax	tax	NOUN
ijtc-1132	5	6	and	and	CCONJ
ijtc-1132	5	7	accounting	accounting	NOUN
ijtc-1132	5	8	,	,	PUNCT
ijtc-1132	5	9	5(2	5(2	NUM
ijtc-1132	5	10	)	)	PUNCT
ijtc-1132	5	11	,	,	PUNCT
ijtc-1132	5	12	488	488	NUM
ijtc-1132	5	13	-	-	SYM
ijtc-1132	5	14	502	502	NUM
ijtc-1132	5	15	.	.	PUNCT
ijtc-1132	6	1	https://doi.org/10.61194/ijtc.v5i2.1132	https://doi.org/10.61194/ijtc.v5i2.1132	X
ijtc-1132	6	2	abstract	abstract	ADJ
ijtc-1132	6	3	:	:	PUNCT
ijtc-1132	6	4	the	the	DET
ijtc-1132	6	5	use	use	NOUN
ijtc-1132	6	6	of	of	ADP
ijtc-1132	6	7	e	e	NOUN
ijtc-1132	6	8	-	-	NOUN
ijtc-1132	6	9	wallets	wallet	NOUN
ijtc-1132	6	10	has	have	VERB
ijtc-1132	6	11	an	an	DET
ijtc-1132	6	12	impact	impact	NOUN
ijtc-1132	6	13	on	on	ADP
ijtc-1132	6	14	the	the	DET
ijtc-1132	6	15	ease	ease	NOUN
ijtc-1132	6	16	of	of	ADP
ijtc-1132	6	17	transactions	transaction	NOUN
ijtc-1132	6	18	.	.	PUNCT
ijtc-1132	7	1	various	various	ADJ
ijtc-1132	7	2	kinds	kind	NOUN
ijtc-1132	7	3	of	of	ADP
ijtc-1132	7	4	transactions	transaction	NOUN
ijtc-1132	7	5	can	can	AUX
ijtc-1132	7	6	be	be	AUX
ijtc-1132	7	7	done	do	VERB
ijtc-1132	7	8	through	through	ADP
ijtc-1132	7	9	this	this	DET
ijtc-1132	7	10	application	application	NOUN
ijtc-1132	7	11	.	.	PUNCT
ijtc-1132	8	1	however	however	ADV
ijtc-1132	8	2	,	,	PUNCT
ijtc-1132	8	3	despite	despite	SCONJ
ijtc-1132	8	4	the	the	DET
ijtc-1132	8	5	convenience	convenience	NOUN
ijtc-1132	8	6	offered	offer	VERB
ijtc-1132	8	7	,	,	PUNCT
ijtc-1132	8	8	e	e	NOUN
ijtc-1132	8	9	-	-	NOUN
ijtc-1132	8	10	wallet	wallet	NOUN
ijtc-1132	8	11	adoption	adoption	NOUN
ijtc-1132	8	12	remains	remain	VERB
ijtc-1132	8	13	low	low	ADJ
ijtc-1132	8	14	.	.	PUNCT
ijtc-1132	9	1	this	this	DET
ijtc-1132	9	2	study	study	NOUN
ijtc-1132	9	3	aims	aim	VERB
ijtc-1132	9	4	to	to	PART
ijtc-1132	9	5	determine	determine	VERB
ijtc-1132	9	6	what	what	PRON
ijtc-1132	9	7	factors	factor	NOUN
ijtc-1132	9	8	influence	influence	VERB
ijtc-1132	9	9	the	the	DET
ijtc-1132	9	10	determinants	determinant	NOUN
ijtc-1132	9	11	of	of	ADP
ijtc-1132	9	12	mobile	mobile	ADJ
ijtc-1132	9	13	e	e	NOUN
ijtc-1132	9	14	-	-	NOUN
ijtc-1132	9	15	wallet	wallet	NOUN
ijtc-1132	9	16	adoption	adoption	NOUN
ijtc-1132	9	17	across	across	ADP
ijtc-1132	9	18	generations	generation	NOUN
ijtc-1132	9	19	in	in	ADP
ijtc-1132	9	20	indonesia	indonesia	PROPN
ijtc-1132	9	21	.	.	PUNCT
ijtc-1132	10	1	the	the	DET
ijtc-1132	10	2	study	study	NOUN
ijtc-1132	10	3	was	be	AUX
ijtc-1132	10	4	investigated	investigate	VERB
ijtc-1132	10	5	using	use	VERB
ijtc-1132	10	6	a	a	DET
ijtc-1132	10	7	composite	composite	ADJ
ijtc-1132	10	8	model	model	NOUN
ijtc-1132	10	9	based	base	VERB
ijtc-1132	10	10	on	on	ADP
ijtc-1132	10	11	the	the	DET
ijtc-1132	10	12	diffusion	diffusion	NOUN
ijtc-1132	10	13	of	of	ADP
ijtc-1132	10	14	innovation	innovation	NOUN
ijtc-1132	10	15	theory	theory	NOUN
ijtc-1132	10	16	(	(	PUNCT
ijtc-1132	10	17	dit	dit	PROPN
ijtc-1132	10	18	)	)	PUNCT
ijtc-1132	10	19	,	,	PUNCT
ijtc-1132	10	20	technology	technology	NOUN
ijtc-1132	10	21	acceptance	acceptance	NOUN
ijtc-1132	10	22	model	model	NOUN
ijtc-1132	10	23	(	(	PUNCT
ijtc-1132	10	24	tam	tam	NOUN
ijtc-1132	10	25	)	)	PUNCT
ijtc-1132	10	26	and	and	CCONJ
ijtc-1132	10	27	information	information	NOUN
ijtc-1132	10	28	system	system	NOUN
ijtc-1132	10	29	success	success	NOUN
ijtc-1132	10	30	model	model	NOUN
ijtc-1132	10	31	(	(	PUNCT
ijtc-1132	10	32	issm	issm	PROPN
ijtc-1132	10	33	)	)	PUNCT
ijtc-1132	10	34	.	.	PUNCT
ijtc-1132	11	1	data	datum	NOUN
ijtc-1132	11	2	was	be	AUX
ijtc-1132	11	3	collected	collect	VERB
ijtc-1132	11	4	from	from	ADP
ijtc-1132	11	5	200	200	NUM
ijtc-1132	11	6	e	e	NOUN
ijtc-1132	11	7	-	-	NOUN
ijtc-1132	11	8	wallet	wallet	NOUN
ijtc-1132	11	9	users	user	NOUN
ijtc-1132	11	10	in	in	ADP
ijtc-1132	11	11	west	west	PROPN
ijtc-1132	11	12	nusa	nusa	PROPN
ijtc-1132	11	13	tenggara	tenggara	PROPN
ijtc-1132	11	14	province	province	PROPN
ijtc-1132	11	15	and	and	CCONJ
ijtc-1132	11	16	analyzed	analyze	VERB
ijtc-1132	11	17	using	use	VERB
ijtc-1132	11	18	multiple	multiple	ADJ
ijtc-1132	11	19	linear	linear	ADJ
ijtc-1132	11	20	regression	regression	NOUN
ijtc-1132	11	21	(	(	PUNCT
ijtc-1132	11	22	pls	pls	NOUN
ijtc-1132	11	23	-	-	PUNCT
ijtc-1132	11	24	sem	sem	NOUN
ijtc-1132	11	25	)	)	PUNCT
ijtc-1132	11	26	.	.	PUNCT
ijtc-1132	12	1	the	the	DET
ijtc-1132	12	2	results	result	NOUN
ijtc-1132	12	3	showed	show	VERB
ijtc-1132	12	4	that	that	SCONJ
ijtc-1132	12	5	the	the	DET
ijtc-1132	12	6	use	use	NOUN
ijtc-1132	12	7	of	of	ADP
ijtc-1132	12	8	e	e	NOUN
ijtc-1132	12	9	-	-	NOUN
ijtc-1132	12	10	wallets	wallet	NOUN
ijtc-1132	12	11	was	be	AUX
ijtc-1132	12	12	not	not	PART
ijtc-1132	12	13	affected	affect	VERB
ijtc-1132	12	14	by	by	ADP
ijtc-1132	12	15	observability	observability	NOUN
ijtc-1132	12	16	,	,	PUNCT
ijtc-1132	12	17	relative	relative	ADJ
ijtc-1132	12	18	advantage	advantage	NOUN
ijtc-1132	12	19	,	,	PUNCT
ijtc-1132	12	20	information	information	NOUN
ijtc-1132	12	21	quality	quality	NOUN
ijtc-1132	12	22	and	and	CCONJ
ijtc-1132	12	23	system	system	NOUN
ijtc-1132	12	24	quality	quality	NOUN
ijtc-1132	12	25	.	.	PUNCT
ijtc-1132	13	1	ease	ease	NOUN
ijtc-1132	13	2	of	of	ADP
ijtc-1132	13	3	use	use	NOUN
ijtc-1132	13	4	and	and	CCONJ
ijtc-1132	13	5	perceived	perceive	VERB
ijtc-1132	13	6	usefulness	usefulness	NOUN
ijtc-1132	13	7	have	have	VERB
ijtc-1132	13	8	a	a	DET
ijtc-1132	13	9	positive	positive	ADJ
ijtc-1132	13	10	impact	impact	NOUN
ijtc-1132	13	11	on	on	ADP
ijtc-1132	13	12	the	the	DET
ijtc-1132	13	13	decision	decision	NOUN
ijtc-1132	13	14	to	to	PART
ijtc-1132	13	15	use	use	VERB
ijtc-1132	13	16	e	e	NOUN
ijtc-1132	13	17	-	-	NOUN
ijtc-1132	13	18	wallets	wallet	NOUN
ijtc-1132	13	19	in	in	ADP
ijtc-1132	13	20	indonesia	indonesia	PROPN
ijtc-1132	13	21	.	.	PUNCT
ijtc-1132	14	1	the	the	DET
ijtc-1132	14	2	results	result	NOUN
ijtc-1132	14	3	of	of	ADP
ijtc-1132	14	4	this	this	DET
ijtc-1132	14	5	study	study	NOUN
ijtc-1132	14	6	are	be	AUX
ijtc-1132	14	7	very	very	ADV
ijtc-1132	14	8	important	important	ADJ
ijtc-1132	14	9	to	to	PART
ijtc-1132	14	10	assess	assess	VERB
ijtc-1132	14	11	the	the	DET
ijtc-1132	14	12	situation	situation	NOUN
ijtc-1132	14	13	and	and	CCONJ
ijtc-1132	14	14	prospects	prospect	NOUN
ijtc-1132	14	15	of	of	ADP
ijtc-1132	14	16	e	e	NOUN
ijtc-1132	14	17	-	-	NOUN
ijtc-1132	14	18	wallets	wallet	NOUN
ijtc-1132	14	19	in	in	ADP
ijtc-1132	14	20	indonesia	indonesia	PROPN
ijtc-1132	14	21	.	.	PUNCT
ijtc-1132	15	1	the	the	DET
ijtc-1132	15	2	results	result	NOUN
ijtc-1132	15	3	of	of	ADP
ijtc-1132	15	4	this	this	DET
ijtc-1132	15	5	study	study	NOUN
ijtc-1132	15	6	offer	offer	VERB
ijtc-1132	15	7	significant	significant	ADJ
ijtc-1132	15	8	insights	insight	NOUN
ijtc-1132	15	9	for	for	ADP
ijtc-1132	15	10	policy	policy	NOUN
ijtc-1132	15	11	makers	maker	NOUN
ijtc-1132	15	12	and	and	CCONJ
ijtc-1132	15	13	e	e	NOUN
ijtc-1132	15	14	-	-	NOUN
ijtc-1132	15	15	wallet	wallet	NOUN
ijtc-1132	15	16	service	service	NOUN
ijtc-1132	15	17	providers	provider	NOUN
ijtc-1132	15	18	to	to	PART
ijtc-1132	15	19	develop	develop	VERB
ijtc-1132	15	20	appropriate	appropriate	ADJ
ijtc-1132	15	21	strategies	strategy	NOUN
ijtc-1132	15	22	to	to	PART
ijtc-1132	15	23	increase	increase	VERB
ijtc-1132	15	24	e	e	NOUN
ijtc-1132	15	25	-	-	NOUN
ijtc-1132	15	26	wallet	wallet	NOUN
ijtc-1132	15	27	users	user	NOUN
ijtc-1132	15	28	in	in	ADP
ijtc-1132	15	29	indonesia	indonesia	PROPN
ijtc-1132	15	30	.	.	PUNCT
ijtc-1132	16	1	keywords	keyword	NOUN
ijtc-1132	16	2	:	:	PUNCT
ijtc-1132	16	3	e	e	X
ijtc-1132	16	4	-	-	NOUN
ijtc-1132	16	5	wallet	wallet	NOUN
ijtc-1132	16	6	,	,	PUNCT
ijtc-1132	16	7	adoption	adoption	NOUN
ijtc-1132	16	8	,	,	PUNCT
ijtc-1132	16	9	across	across	ADP
ijtc-1132	16	10	generation	generation	NOUN
ijtc-1132	16	11	this	this	PRON
ijtc-1132	16	12	is	be	AUX
ijtc-1132	16	13	an	an	DET
ijtc-1132	16	14	open	open	ADJ
ijtc-1132	16	15	access	access	NOUN
ijtc-1132	16	16	article	article	NOUN
ijtc-1132	16	17	under	under	ADP
ijtc-1132	16	18	the	the	DET
ijtc-1132	16	19	cc	cc	NOUN
ijtc-1132	16	20	-	-	PUNCT
ijtc-1132	16	21	by	by	ADP
ijtc-1132	16	22	4.0	4.0	NUM
ijtc-1132	16	23	license	license	NOUN
ijtc-1132	16	24	.	.	PUNCT
ijtc-1132	17	1	introduction	introduction	NOUN
ijtc-1132	17	2	digital	digital	ADJ
ijtc-1132	17	3	wallets	wallet	NOUN
ijtc-1132	17	4	or	or	CCONJ
ijtc-1132	17	5	e	e	NOUN
ijtc-1132	17	6	-	-	NOUN
ijtc-1132	17	7	wallets	wallet	NOUN
ijtc-1132	17	8	have	have	AUX
ijtc-1132	17	9	now	now	ADV
ijtc-1132	17	10	become	become	VERB
ijtc-1132	17	11	an	an	DET
ijtc-1132	17	12	essential	essential	ADJ
ijtc-1132	17	13	need	need	NOUN
ijtc-1132	17	14	for	for	ADP
ijtc-1132	17	15	almost	almost	ADV
ijtc-1132	17	16	everyone	everyone	PRON
ijtc-1132	17	17	.	.	PUNCT
ijtc-1132	18	1	digital	digital	ADJ
ijtc-1132	18	2	wallets	wallet	NOUN
ijtc-1132	18	3	allow	allow	VERB
ijtc-1132	18	4	various	various	ADJ
ijtc-1132	18	5	transactions	transaction	NOUN
ijtc-1132	18	6	to	to	PART
ijtc-1132	18	7	be	be	AUX
ijtc-1132	18	8	made	make	VERB
ijtc-1132	18	9	,	,	PUNCT
ijtc-1132	18	10	including	include	VERB
ijtc-1132	18	11	online	online	ADJ
ijtc-1132	18	12	purchases	purchase	NOUN
ijtc-1132	18	13	,	,	PUNCT
ijtc-1132	18	14	utility	utility	NOUN
ijtc-1132	18	15	payments	payment	NOUN
ijtc-1132	18	16	,	,	PUNCT
ijtc-1132	18	17	money	money	NOUN
ijtc-1132	18	18	transfers	transfer	NOUN
ijtc-1132	18	19	,	,	PUNCT
ijtc-1132	18	20	automatic	automatic	ADJ
ijtc-1132	18	21	and	and	CCONJ
ijtc-1132	18	22	timely	timely	ADJ
ijtc-1132	18	23	payments	payment	NOUN
ijtc-1132	18	24	,	,	PUNCT
ijtc-1132	18	25	and	and	CCONJ
ijtc-1132	18	26	expense	expense	NOUN
ijtc-1132	18	27	management	management	NOUN
ijtc-1132	18	28	(	(	PUNCT
ijtc-1132	18	29	iman	iman	NOUN
ijtc-1132	18	30	,	,	PUNCT
ijtc-1132	18	31	2018	2018	NUM
ijtc-1132	18	32	)	)	PUNCT
ijtc-1132	18	33	.	.	PUNCT
ijtc-1132	19	1	digital	digital	ADJ
ijtc-1132	19	2	wallets	wallet	NOUN
ijtc-1132	19	3	are	be	AUX
ijtc-1132	19	4	increasingly	increasingly	ADV
ijtc-1132	19	5	popular	popular	ADJ
ijtc-1132	19	6	among	among	ADP
ijtc-1132	19	7	the	the	DET
ijtc-1132	19	8	general	general	ADJ
ijtc-1132	19	9	public	public	NOUN
ijtc-1132	19	10	,	,	PUNCT
ijtc-1132	19	11	with	with	ADP
ijtc-1132	19	12	4	4	NUM
ijtc-1132	19	13	billion	billion	NUM
ijtc-1132	19	14	users	user	NOUN
ijtc-1132	19	15	and	and	CCONJ
ijtc-1132	19	16	a	a	DET
ijtc-1132	19	17	market	market	NOUN
ijtc-1132	19	18	size	size	NOUN
ijtc-1132	19	19	of	of	ADP
ijtc-1132	19	20	$	$	SYM
ijtc-1132	19	21	7,580.1	7,580.1	NUM
ijtc-1132	19	22	billion	billion	NUM
ijtc-1132	19	23	by	by	ADP
ijtc-1132	19	24	2024	2024	NUM
ijtc-1132	19	25	and	and	CCONJ
ijtc-1132	19	26	2027	2027	NUM
ijtc-1132	19	27	,	,	PUNCT
ijtc-1132	19	28	respectively	respectively	ADV
ijtc-1132	19	29	(	(	PUNCT
ijtc-1132	19	30	sneha	sneha	PROPN
ijtc-1132	19	31	et	et	PROPN
ijtc-1132	19	32	al	al	PROPN
ijtc-1132	19	33	.	.	PROPN
ijtc-1132	19	34	,	,	PUNCT
ijtc-1132	19	35	2020	2020	NUM
ijtc-1132	19	36	)	)	PUNCT
ijtc-1132	19	37	.	.	PUNCT
ijtc-1132	20	1	digital	digital	ADJ
ijtc-1132	20	2	wallets	wallet	NOUN
ijtc-1132	20	3	rank	rank	VERB
ijtc-1132	20	4	among	among	ADP
ijtc-1132	20	5	the	the	DET
ijtc-1132	20	6	fastest	fast	ADJ
ijtc-1132	20	7	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1132	20	8	mailto:nurarini125@gmail.com	mailto:nurarini125@gmail.com	PROPN
ijtc-1132	20	9	https://doi.org/10.61194/ijtc.v5i2.1132	https://doi.org/10.61194/ijtc.v5i2.1132	VERB
ijtc-1132	20	10	the	the	DET
ijtc-1132	20	11	determinants	determinant	NOUN
ijtc-1132	20	12	of	of	ADP
ijtc-1132	20	13	mobile	mobile	ADJ
ijtc-1132	20	14	e	e	NOUN
ijtc-1132	20	15	-	-	NOUN
ijtc-1132	20	16	wallet	wallet	NOUN
ijtc-1132	20	17	adoption	adoption	NOUN
ijtc-1132	20	18	across	across	ADP
ijtc-1132	20	19	generation	generation	NOUN
ijtc-1132	20	20	,	,	PUNCT
ijtc-1132	20	21	a	a	DET
ijtc-1132	20	22	lesson	lesson	NOUN
ijtc-1132	20	23	learned	learn	VERB
ijtc-1132	20	24	from	from	ADP
ijtc-1132	20	25	indonesia	indonesia	PROPN
ijtc-1132	20	26	arini	arini	PROPN
ijtc-1132	20	27	,	,	PUNCT
ijtc-1132	20	28	lestari	lestari	NOUN
ijtc-1132	20	29	and	and	CCONJ
ijtc-1132	20	30	hanani	hanani	NOUN
ijtc-1132	20	31	489	489	NUM
ijtc-1132	20	32	|	|	ADV
ijtc-1132	20	33	ilomata	ilomata	PROPN
ijtc-1132	20	34	international	international	ADJ
ijtc-1132	20	35	journal	journal	NOUN
ijtc-1132	20	36	of	of	ADP
ijtc-1132	20	37	tax	tax	PROPN
ijtc-1132	20	38	&	&	CCONJ
ijtc-1132	20	39	accounting	account	VERB
ijtc-1132	20	40	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	20	41	growing	grow	VERB
ijtc-1132	20	42	areas	area	NOUN
ijtc-1132	20	43	regarding	regard	VERB
ijtc-1132	20	44	future	future	ADJ
ijtc-1132	20	45	mobile	mobile	ADJ
ijtc-1132	20	46	technology	technology	NOUN
ijtc-1132	20	47	payment	payment	NOUN
ijtc-1132	20	48	methods	method	NOUN
ijtc-1132	20	49	due	due	ADP
ijtc-1132	20	50	to	to	ADP
ijtc-1132	20	51	their	their	PRON
ijtc-1132	20	52	convenience	convenience	NOUN
ijtc-1132	20	53	,	,	PUNCT
ijtc-1132	20	54	ease	ease	NOUN
ijtc-1132	20	55	of	of	ADP
ijtc-1132	20	56	use	use	NOUN
ijtc-1132	20	57	,	,	PUNCT
ijtc-1132	20	58	security	security	NOUN
ijtc-1132	20	59	and	and	CCONJ
ijtc-1132	20	60	fast	fast	ADJ
ijtc-1132	20	61	service	service	NOUN
ijtc-1132	20	62	delivery	delivery	NOUN
ijtc-1132	20	63	.	.	PUNCT
ijtc-1132	21	1	digital	digital	ADJ
ijtc-1132	21	2	wallets	wallet	NOUN
ijtc-1132	21	3	in	in	ADP
ijtc-1132	21	4	indonesia	indonesia	PROPN
ijtc-1132	21	5	such	such	ADJ
ijtc-1132	21	6	as	as	ADP
ijtc-1132	21	7	ovo	ovo	PROPN
ijtc-1132	21	8	,	,	PUNCT
ijtc-1132	21	9	go	go	VERB
ijtc-1132	21	10	-	-	PUNCT
ijtc-1132	21	11	pay	pay	NOUN
ijtc-1132	21	12	,	,	PUNCT
ijtc-1132	21	13	shopeepay	shopeepay	NOUN
ijtc-1132	21	14	,	,	PUNCT
ijtc-1132	21	15	dana	dana	PROPN
ijtc-1132	21	16	and	and	CCONJ
ijtc-1132	21	17	linkaja	linkaja	PROPN
ijtc-1132	21	18	.	.	PUNCT
ijtc-1132	22	1	a	a	DET
ijtc-1132	22	2	majority	majority	NOUN
ijtc-1132	22	3	of	of	ADP
ijtc-1132	22	4	68	68	NUM
ijtc-1132	22	5	%	%	NOUN
ijtc-1132	22	6	of	of	ADP
ijtc-1132	22	7	the	the	DET
ijtc-1132	22	8	younger	young	ADJ
ijtc-1132	22	9	generation	generation	NOUN
ijtc-1132	22	10	in	in	ADP
ijtc-1132	22	11	indonesia	indonesia	PROPN
ijtc-1132	22	12	use	use	VERB
ijtc-1132	22	13	digital	digital	ADJ
ijtc-1132	22	14	wallets	wallet	NOUN
ijtc-1132	22	15	at	at	ADP
ijtc-1132	22	16	least	least	ADJ
ijtc-1132	22	17	one	one	NUM
ijtc-1132	22	18	to	to	ADP
ijtc-1132	22	19	two	two	NUM
ijtc-1132	22	20	times	time	NOUN
ijtc-1132	22	21	a	a	DET
ijtc-1132	22	22	week	week	NOUN
ijtc-1132	22	23	with	with	ADP
ijtc-1132	22	24	an	an	DET
ijtc-1132	22	25	average	average	ADJ
ijtc-1132	22	26	top	top	NOUN
ijtc-1132	22	27	up	up	ADP
ijtc-1132	22	28	of	of	ADP
ijtc-1132	22	29	rp	rp	NOUN
ijtc-1132	22	30	140,663	140,663	NUM
ijtc-1132	22	31	each	each	DET
ijtc-1132	22	32	week	week	NOUN
ijtc-1132	22	33	(	(	PUNCT
ijtc-1132	22	34	ipsos	ipsos	PROPN
ijtc-1132	22	35	et	et	PROPN
ijtc-1132	22	36	al	al	PROPN
ijtc-1132	22	37	.	.	PROPN
ijtc-1132	22	38	,	,	PUNCT
ijtc-1132	22	39	2020	2020	NUM
ijtc-1132	22	40	)	)	PUNCT
ijtc-1132	22	41	.	.	PUNCT
ijtc-1132	23	1	in	in	ADP
ijtc-1132	23	2	some	some	DET
ijtc-1132	23	3	developing	develop	VERB
ijtc-1132	23	4	countries	country	NOUN
ijtc-1132	23	5	such	such	ADJ
ijtc-1132	23	6	as	as	ADP
ijtc-1132	23	7	thailand	thailand	PROPN
ijtc-1132	23	8	,	,	PUNCT
ijtc-1132	23	9	vietnam	vietnam	PROPN
ijtc-1132	23	10	and	and	CCONJ
ijtc-1132	23	11	indonesia	indonesia	PROPN
ijtc-1132	23	12	pwc	pwc	PROPN
ijtc-1132	23	13	(	(	PUNCT
ijtc-1132	23	14	2019	2019	NUM
ijtc-1132	23	15	)	)	PUNCT
ijtc-1132	23	16	.	.	PUNCT
ijtc-1132	24	1	based	base	VERB
ijtc-1132	24	2	on	on	ADP
ijtc-1132	24	3	the	the	DET
ijtc-1132	24	4	2019	2019	NUM
ijtc-1132	24	5	global	global	ADJ
ijtc-1132	24	6	consumer	consumer	NOUN
ijtc-1132	24	7	insight	insight	NOUN
ijtc-1132	24	8	survey	survey	NOUN
ijtc-1132	24	9	,	,	PUNCT
ijtc-1132	24	10	there	there	PRON
ijtc-1132	24	11	are	be	VERB
ijtc-1132	24	12	67	67	NUM
ijtc-1132	24	13	%	%	NOUN
ijtc-1132	24	14	of	of	ADP
ijtc-1132	24	15	users	user	NOUN
ijtc-1132	24	16	or	or	CCONJ
ijtc-1132	24	17	19	19	NUM
ijtc-1132	24	18	%	%	NOUN
ijtc-1132	24	19	growth	growth	NOUN
ijtc-1132	24	20	in	in	ADP
ijtc-1132	24	21	thailand	thailand	PROPN
ijtc-1132	24	22	who	who	PRON
ijtc-1132	24	23	have	have	AUX
ijtc-1132	24	24	made	make	VERB
ijtc-1132	24	25	mobile	mobile	ADJ
ijtc-1132	24	26	payment	payment	NOUN
ijtc-1132	24	27	transactions	transaction	NOUN
ijtc-1132	24	28	,	,	PUNCT
ijtc-1132	24	29	after	after	ADP
ijtc-1132	24	30	vietnam	vietnam	PROPN
ijtc-1132	24	31	and	and	CCONJ
ijtc-1132	24	32	middle	middle	ADJ
ijtc-1132	24	33	eastern	eastern	ADJ
ijtc-1132	24	34	countries	country	NOUN
ijtc-1132	24	35	at	at	ADP
ijtc-1132	24	36	24	24	NUM
ijtc-1132	24	37	%	%	NOUN
ijtc-1132	24	38	and	and	CCONJ
ijtc-1132	24	39	20	20	NUM
ijtc-1132	24	40	%	%	NOUN
ijtc-1132	24	41	respectively	respectively	ADV
ijtc-1132	24	42	.	.	PUNCT
ijtc-1132	25	1	unfortunately	unfortunately	ADV
ijtc-1132	25	2	in	in	ADP
ijtc-1132	25	3	indonesia	indonesia	PROPN
ijtc-1132	25	4	,	,	PUNCT
ijtc-1132	25	5	the	the	DET
ijtc-1132	25	6	use	use	NOUN
ijtc-1132	25	7	of	of	ADP
ijtc-1132	25	8	digital	digital	ADJ
ijtc-1132	25	9	wallets	wallet	NOUN
ijtc-1132	25	10	is	be	AUX
ijtc-1132	25	11	still	still	ADV
ijtc-1132	25	12	uneven	uneven	ADJ
ijtc-1132	25	13	,	,	PUNCT
ijtc-1132	25	14	especially	especially	ADV
ijtc-1132	25	15	on	on	ADP
ijtc-1132	25	16	small	small	ADJ
ijtc-1132	25	17	islands	island	NOUN
ijtc-1132	25	18	.	.	PUNCT
ijtc-1132	26	1	the	the	DET
ijtc-1132	26	2	growth	growth	NOUN
ijtc-1132	26	3	of	of	ADP
ijtc-1132	26	4	digital	digital	ADJ
ijtc-1132	26	5	wallets	wallet	NOUN
ijtc-1132	26	6	in	in	ADP
ijtc-1132	26	7	five	five	NUM
ijtc-1132	26	8	major	major	ADJ
ijtc-1132	26	9	cities	city	NOUN
ijtc-1132	26	10	in	in	ADP
ijtc-1132	26	11	indonesia	indonesia	PROPN
ijtc-1132	26	12	,	,	PUNCT
ijtc-1132	26	13	namely	namely	ADV
ijtc-1132	26	14	jakarta	jakarta	PROPN
ijtc-1132	26	15	,	,	PUNCT
ijtc-1132	26	16	semarang	semarang	PROPN
ijtc-1132	26	17	,	,	PUNCT
ijtc-1132	26	18	yogyakarta	yogyakarta	PROPN
ijtc-1132	26	19	,	,	PUNCT
ijtc-1132	26	20	palembang	palembang	PROPN
ijtc-1132	26	21	and	and	CCONJ
ijtc-1132	26	22	manado	manado	PROPN
ijtc-1132	26	23	is	be	AUX
ijtc-1132	26	24	very	very	ADV
ijtc-1132	26	25	significant	significant	ADJ
ijtc-1132	26	26	,	,	PUNCT
ijtc-1132	26	27	inversely	inversely	ADV
ijtc-1132	26	28	proportional	proportional	ADJ
ijtc-1132	26	29	to	to	ADP
ijtc-1132	26	30	the	the	DET
ijtc-1132	26	31	island	island	NOUN
ijtc-1132	26	32	of	of	ADP
ijtc-1132	26	33	lombok	lombok	PROPN
ijtc-1132	26	34	which	which	PRON
ijtc-1132	26	35	is	be	AUX
ijtc-1132	26	36	still	still	ADV
ijtc-1132	26	37	unevenly	unevenly	ADV
ijtc-1132	26	38	distributed	distribute	VERB
ijtc-1132	26	39	(	(	PUNCT
ijtc-1132	26	40	ipsos	ipsos	PROPN
ijtc-1132	26	41	et	et	PROPN
ijtc-1132	26	42	al	al	PROPN
ijtc-1132	26	43	.	.	PROPN
ijtc-1132	26	44	,	,	PUNCT
ijtc-1132	26	45	2020	2020	NUM
ijtc-1132	26	46	)	)	PUNCT
ijtc-1132	26	47	.	.	PUNCT
ijtc-1132	27	1	the	the	DET
ijtc-1132	27	2	proliferation	proliferation	NOUN
ijtc-1132	27	3	of	of	ADP
ijtc-1132	27	4	digital	digital	ADJ
ijtc-1132	27	5	wallet	wallet	NOUN
ijtc-1132	27	6	apps	app	NOUN
ijtc-1132	27	7	has	have	AUX
ijtc-1132	27	8	increased	increase	VERB
ijtc-1132	27	9	in	in	ADP
ijtc-1132	27	10	recent	recent	ADJ
ijtc-1132	27	11	years	year	NOUN
ijtc-1132	27	12	,	,	PUNCT
ijtc-1132	27	13	especially	especially	ADV
ijtc-1132	27	14	during	during	ADP
ijtc-1132	27	15	the	the	DET
ijtc-1132	27	16	covid19	covid19	NOUN
ijtc-1132	27	17	pandemic	pandemic	ADJ
ijtc-1132	27	18	.	.	PUNCT
ijtc-1132	28	1	before	before	ADP
ijtc-1132	28	2	the	the	DET
ijtc-1132	28	3	pandemic	pandemic	ADJ
ijtc-1132	28	4	,	,	PUNCT
ijtc-1132	28	5	several	several	ADJ
ijtc-1132	28	6	studies	study	NOUN
ijtc-1132	28	7	suggested	suggest	VERB
ijtc-1132	28	8	some	some	DET
ijtc-1132	28	9	critical	critical	ADJ
ijtc-1132	28	10	barriers	barrier	NOUN
ijtc-1132	28	11	to	to	ADP
ijtc-1132	28	12	digital	digital	ADJ
ijtc-1132	28	13	wallet	wallet	NOUN
ijtc-1132	28	14	adoption	adoption	NOUN
ijtc-1132	28	15	such	such	ADJ
ijtc-1132	28	16	as	as	ADP
ijtc-1132	28	17	anxiety	anxiety	NOUN
ijtc-1132	28	18	,	,	PUNCT
ijtc-1132	28	19	awareness	awareness	NOUN
ijtc-1132	28	20	,	,	PUNCT
ijtc-1132	28	21	risk	risk	NOUN
ijtc-1132	28	22	,	,	PUNCT
ijtc-1132	28	23	technological	technological	ADJ
ijtc-1132	28	24	skills	skill	NOUN
ijtc-1132	28	25	,	,	PUNCT
ijtc-1132	28	26	and	and	CCONJ
ijtc-1132	28	27	complexity	complexity	NOUN
ijtc-1132	28	28	(	(	PUNCT
ijtc-1132	28	29	sharma	sharma	PROPN
ijtc-1132	28	30	et	et	PROPN
ijtc-1132	28	31	al	al	PROPN
ijtc-1132	28	32	.	.	PROPN
ijtc-1132	28	33	,	,	PUNCT
ijtc-1132	28	34	2018	2018	NUM
ijtc-1132	28	35	;	;	PUNCT
ijtc-1132	28	36	zamani	zamani	PROPN
ijtc-1132	28	37	&	&	CCONJ
ijtc-1132	28	38	giaglis	giaglis	PROPN
ijtc-1132	28	39	,	,	PUNCT
ijtc-1132	28	40	2018	2018	NUM
ijtc-1132	28	41	)	)	PUNCT
ijtc-1132	28	42	.	.	PUNCT
ijtc-1132	29	1	the	the	DET
ijtc-1132	29	2	first	first	ADJ
ijtc-1132	29	3	adoption	adoption	NOUN
ijtc-1132	29	4	factor	factor	NOUN
ijtc-1132	29	5	of	of	ADP
ijtc-1132	29	6	digital	digital	ADJ
ijtc-1132	29	7	wallets	wallet	NOUN
ijtc-1132	29	8	in	in	ADP
ijtc-1132	29	9	indonesia	indonesia	PROPN
ijtc-1132	29	10	was	be	AUX
ijtc-1132	29	11	due	due	ADJ
ijtc-1132	29	12	to	to	ADP
ijtc-1132	29	13	promotions	promotion	NOUN
ijtc-1132	29	14	.	.	PUNCT
ijtc-1132	30	1	some	some	PRON
ijtc-1132	30	2	of	of	ADP
ijtc-1132	30	3	the	the	DET
ijtc-1132	30	4	aspects	aspect	NOUN
ijtc-1132	30	5	that	that	PRON
ijtc-1132	30	6	users	user	NOUN
ijtc-1132	30	7	want	want	VERB
ijtc-1132	30	8	from	from	ADP
ijtc-1132	30	9	digital	digital	ADJ
ijtc-1132	30	10	wallets	wallet	NOUN
ijtc-1132	30	11	are	be	AUX
ijtc-1132	30	12	convenience	convenience	NOUN
ijtc-1132	30	13	,	,	PUNCT
ijtc-1132	30	14	promotion	promotion	NOUN
ijtc-1132	30	15	and	and	CCONJ
ijtc-1132	30	16	security	security	NOUN
ijtc-1132	30	17	.	.	PUNCT
ijtc-1132	31	1	referring	refer	VERB
ijtc-1132	31	2	to	to	ADP
ijtc-1132	31	3	idc	idc	PROPN
ijtc-1132	31	4	infogrief	infogrief	PROPN
ijtc-1132	31	5	data	datum	NOUN
ijtc-1132	31	6	(	(	PUNCT
ijtc-1132	31	7	2021	2021	NUM
ijtc-1132	31	8	)	)	PUNCT
ijtc-1132	31	9	in	in	ADP
ijtc-1132	31	10	2020	2020	NUM
ijtc-1132	31	11	the	the	DET
ijtc-1132	31	12	total	total	ADJ
ijtc-1132	31	13	number	number	NOUN
ijtc-1132	31	14	of	of	ADP
ijtc-1132	31	15	digital	digital	ADJ
ijtc-1132	31	16	wallet	wallet	NOUN
ijtc-1132	31	17	users	user	NOUN
ijtc-1132	31	18	in	in	ADP
ijtc-1132	31	19	indonesia	indonesia	PROPN
ijtc-1132	31	20	reached	reach	VERB
ijtc-1132	31	21	74.9	74.9	NUM
ijtc-1132	31	22	million	million	NUM
ijtc-1132	31	23	.	.	PUNCT
ijtc-1132	32	1	this	this	DET
ijtc-1132	32	2	figure	figure	NOUN
ijtc-1132	32	3	is	be	AUX
ijtc-1132	32	4	expected	expect	VERB
ijtc-1132	32	5	to	to	PART
ijtc-1132	32	6	increase	increase	VERB
ijtc-1132	32	7	to	to	ADP
ijtc-1132	32	8	132.5	132.5	NUM
ijtc-1132	32	9	million	million	NUM
ijtc-1132	32	10	users	user	NOUN
ijtc-1132	32	11	by	by	ADP
ijtc-1132	32	12	2025	2025	NUM
ijtc-1132	32	13	(	(	PUNCT
ijtc-1132	32	14	idc	idc	PROPN
ijtc-1132	32	15	infobrief	infobrief	PROPN
ijtc-1132	32	16	,	,	PUNCT
ijtc-1132	32	17	2021	2021	NUM
ijtc-1132	32	18	)	)	PUNCT
ijtc-1132	32	19	.	.	PUNCT
ijtc-1132	33	1	one	one	NUM
ijtc-1132	33	2	of	of	ADP
ijtc-1132	33	3	the	the	DET
ijtc-1132	33	4	active	active	ADJ
ijtc-1132	33	5	users	user	NOUN
ijtc-1132	33	6	of	of	ADP
ijtc-1132	33	7	digital	digital	ADJ
ijtc-1132	33	8	wallets	wallet	NOUN
ijtc-1132	33	9	is	be	AUX
ijtc-1132	33	10	the	the	DET
ijtc-1132	33	11	younger	young	ADJ
ijtc-1132	33	12	generation	generation	NOUN
ijtc-1132	33	13	,	,	PUNCT
ijtc-1132	33	14	especially	especially	ADV
ijtc-1132	33	15	contemporary	contemporary	ADJ
ijtc-1132	33	16	young	young	ADJ
ijtc-1132	33	17	people	people	NOUN
ijtc-1132	33	18	who	who	PRON
ijtc-1132	33	19	grow	grow	VERB
ijtc-1132	33	20	and	and	CCONJ
ijtc-1132	33	21	develop	develop	VERB
ijtc-1132	33	22	in	in	ADP
ijtc-1132	33	23	the	the	DET
ijtc-1132	33	24	era	era	NOUN
ijtc-1132	33	25	of	of	ADP
ijtc-1132	33	26	technological	technological	ADJ
ijtc-1132	33	27	development	development	NOUN
ijtc-1132	33	28	.	.	PUNCT
ijtc-1132	34	1	the	the	DET
ijtc-1132	34	2	katada	katada	PROPN
ijtc-1132	34	3	insight	insight	PROPN
ijtc-1132	34	4	center	center	PROPN
ijtc-1132	34	5	study	study	NOUN
ijtc-1132	34	6	(	(	PUNCT
ijtc-1132	34	7	umaiyah	umaiyah	ADJ
ijtc-1132	34	8	,	,	PUNCT
ijtc-1132	34	9	2022	2022	NUM
ijtc-1132	34	10	)	)	PUNCT
ijtc-1132	34	11	found	find	VERB
ijtc-1132	34	12	that	that	SCONJ
ijtc-1132	34	13	digital	digital	ADJ
ijtc-1132	34	14	wallets	wallet	NOUN
ijtc-1132	34	15	are	be	AUX
ijtc-1132	34	16	more	more	ADV
ijtc-1132	34	17	widely	widely	ADV
ijtc-1132	34	18	used	use	VERB
ijtc-1132	34	19	than	than	ADP
ijtc-1132	34	20	other	other	ADJ
ijtc-1132	34	21	financial	financial	ADJ
ijtc-1132	34	22	products	product	NOUN
ijtc-1132	34	23	,	,	PUNCT
ijtc-1132	34	24	such	such	ADJ
ijtc-1132	34	25	as	as	ADP
ijtc-1132	34	26	m	m	NOUN
ijtc-1132	34	27	-	-	NOUN
ijtc-1132	34	28	banking	banking	NOUN
ijtc-1132	34	29	,	,	PUNCT
ijtc-1132	34	30	bank	bank	NOUN
ijtc-1132	34	31	atms	atms	PROPN
ijtc-1132	34	32	,	,	PUNCT
ijtc-1132	34	33	conventional	conventional	ADJ
ijtc-1132	34	34	and	and	CCONJ
ijtc-1132	34	35	digital	digital	ADJ
ijtc-1132	34	36	bank	bank	NOUN
ijtc-1132	34	37	accounts	account	NOUN
ijtc-1132	34	38	.	.	PUNCT
ijtc-1132	35	1	in	in	ADP
ijtc-1132	35	2	fact	fact	NOUN
ijtc-1132	35	3	,	,	PUNCT
ijtc-1132	35	4	young	young	ADJ
ijtc-1132	35	5	people	people	NOUN
ijtc-1132	35	6	are	be	AUX
ijtc-1132	35	7	also	also	ADV
ijtc-1132	35	8	less	less	ADV
ijtc-1132	35	9	likely	likely	ADJ
ijtc-1132	35	10	to	to	PART
ijtc-1132	35	11	have	have	VERB
ijtc-1132	35	12	m	m	NOUN
ijtc-1132	35	13	-	-	ADJ
ijtc-1132	35	14	banking	banking	NOUN
ijtc-1132	35	15	than	than	ADP
ijtc-1132	35	16	digital	digital	ADJ
ijtc-1132	35	17	wallets	wallet	NOUN
ijtc-1132	35	18	.	.	PUNCT
ijtc-1132	36	1	this	this	DET
ijtc-1132	36	2	research	research	NOUN
ijtc-1132	36	3	seeks	seek	VERB
ijtc-1132	36	4	to	to	PART
ijtc-1132	36	5	understand	understand	VERB
ijtc-1132	36	6	the	the	DET
ijtc-1132	36	7	determinants	determinant	NOUN
ijtc-1132	36	8	of	of	ADP
ijtc-1132	36	9	cross	cross	ADJ
ijtc-1132	36	10	-	-	ADJ
ijtc-1132	36	11	generational	generational	ADJ
ijtc-1132	36	12	e	e	NOUN
ijtc-1132	36	13	-	-	NOUN
ijtc-1132	36	14	wallet	wallet	NOUN
ijtc-1132	36	15	adoption	adoption	NOUN
ijtc-1132	36	16	in	in	ADP
ijtc-1132	36	17	indonesia	indonesia	PROPN
ijtc-1132	36	18	.	.	PUNCT
ijtc-1132	37	1	(	(	PUNCT
ijtc-1132	37	2	al	al	PROPN
ijtc-1132	37	3	-	-	PUNCT
ijtc-1132	37	4	saedi	saedi	PROPN
ijtc-1132	37	5	et	et	PROPN
ijtc-1132	37	6	al	al	PROPN
ijtc-1132	37	7	.	.	PROPN
ijtc-1132	37	8	,	,	PUNCT
ijtc-1132	37	9	2019	2019	NUM
ijtc-1132	37	10	)	)	PUNCT
ijtc-1132	37	11	suggested	suggest	VERB
ijtc-1132	37	12	that	that	SCONJ
ijtc-1132	37	13	further	further	ADJ
ijtc-1132	37	14	studies	study	NOUN
ijtc-1132	37	15	are	be	AUX
ijtc-1132	37	16	needed	need	VERB
ijtc-1132	37	17	to	to	PART
ijtc-1132	37	18	investigate	investigate	VERB
ijtc-1132	37	19	the	the	DET
ijtc-1132	37	20	determinants	determinant	NOUN
ijtc-1132	37	21	of	of	ADP
ijtc-1132	37	22	e	e	NOUN
ijtc-1132	37	23	-	-	NOUN
ijtc-1132	37	24	wallet	wallet	NOUN
ijtc-1132	37	25	adoption	adoption	NOUN
ijtc-1132	37	26	in	in	ADP
ijtc-1132	37	27	small	small	ADJ
ijtc-1132	37	28	islands	island	NOUN
ijtc-1132	37	29	.	.	PUNCT
ijtc-1132	38	1	factors	factor	NOUN
ijtc-1132	38	2	influencing	influence	VERB
ijtc-1132	38	3	mobile	mobile	ADJ
ijtc-1132	38	4	payment	payment	NOUN
ijtc-1132	38	5	acceptance	acceptance	NOUN
ijtc-1132	38	6	in	in	ADP
ijtc-1132	38	7	different	different	ADJ
ijtc-1132	38	8	contexts	context	NOUN
ijtc-1132	38	9	have	have	AUX
ijtc-1132	38	10	been	be	AUX
ijtc-1132	38	11	reported	report	VERB
ijtc-1132	38	12	in	in	ADP
ijtc-1132	38	13	the	the	DET
ijtc-1132	38	14	literature	literature	NOUN
ijtc-1132	38	15	.	.	PUNCT
ijtc-1132	39	1	however	however	ADV
ijtc-1132	39	2	,	,	PUNCT
ijtc-1132	39	3	studies	study	NOUN
ijtc-1132	39	4	on	on	ADP
ijtc-1132	39	5	the	the	DET
ijtc-1132	39	6	enablers	enabler	NOUN
ijtc-1132	39	7	and	and	CCONJ
ijtc-1132	39	8	barriers	barrier	NOUN
ijtc-1132	39	9	of	of	ADP
ijtc-1132	39	10	digital	digital	ADJ
ijtc-1132	39	11	wallet	wallet	NOUN
ijtc-1132	39	12	adoption	adoption	NOUN
ijtc-1132	39	13	in	in	ADP
ijtc-1132	39	14	a	a	DET
ijtc-1132	39	15	cross	cross	ADJ
ijtc-1132	39	16	-	-	ADJ
ijtc-1132	39	17	generational	generational	ADJ
ijtc-1132	39	18	context	context	NOUN
ijtc-1132	39	19	in	in	ADP
ijtc-1132	39	20	indonesia	indonesia	PROPN
ijtc-1132	39	21	are	be	AUX
ijtc-1132	39	22	limited	limited	ADJ
ijtc-1132	39	23	.	.	PUNCT
ijtc-1132	40	1	therefore	therefore	ADV
ijtc-1132	40	2	,	,	PUNCT
ijtc-1132	40	3	this	this	DET
ijtc-1132	40	4	study	study	NOUN
ijtc-1132	40	5	aims	aim	VERB
ijtc-1132	40	6	to	to	PART
ijtc-1132	40	7	answer	answer	VERB
ijtc-1132	40	8	the	the	DET
ijtc-1132	40	9	following	follow	VERB
ijtc-1132	40	10	research	research	NOUN
ijtc-1132	40	11	questions	question	NOUN
ijtc-1132	40	12	:	:	PUNCT
ijtc-1132	40	13	what	what	DET
ijtc-1132	40	14	factors	factor	NOUN
ijtc-1132	40	15	influence	influence	VERB
ijtc-1132	40	16	the	the	DET
ijtc-1132	40	17	determinants	determinant	NOUN
ijtc-1132	40	18	of	of	ADP
ijtc-1132	40	19	mobile	mobile	ADJ
ijtc-1132	40	20	e	e	NOUN
ijtc-1132	40	21	-	-	NOUN
ijtc-1132	40	22	wallet	wallet	NOUN
ijtc-1132	40	23	adoption	adoption	NOUN
ijtc-1132	40	24	across	across	ADP
ijtc-1132	40	25	generations	generation	NOUN
ijtc-1132	40	26	in	in	ADP
ijtc-1132	40	27	indonesia	indonesia	PROPN
ijtc-1132	40	28	.	.	PUNCT
ijtc-1132	41	1	to	to	PART
ijtc-1132	41	2	answer	answer	VERB
ijtc-1132	41	3	the	the	DET
ijtc-1132	41	4	research	research	NOUN
ijtc-1132	41	5	question	question	NOUN
ijtc-1132	41	6	,	,	PUNCT
ijtc-1132	41	7	we	we	PRON
ijtc-1132	41	8	derived	derive	VERB
ijtc-1132	41	9	a	a	DET
ijtc-1132	41	10	composite	composite	ADJ
ijtc-1132	41	11	model	model	NOUN
ijtc-1132	41	12	with	with	ADP
ijtc-1132	41	13	six	six	NUM
ijtc-1132	41	14	components	component	NOUN
ijtc-1132	41	15	from	from	ADP
ijtc-1132	41	16	three	three	NUM
ijtc-1132	41	17	adoption	adoption	NOUN
ijtc-1132	41	18	theories	theory	NOUN
ijtc-1132	41	19	,	,	PUNCT
ijtc-1132	41	20	namely	namely	ADV
ijtc-1132	41	21	the	the	DET
ijtc-1132	41	22	diffusion	diffusion	NOUN
ijtc-1132	41	23	of	of	ADP
ijtc-1132	41	24	innovations	innovation	NOUN
ijtc-1132	41	25	theory	theory	NOUN
ijtc-1132	41	26	(	(	PUNCT
ijtc-1132	41	27	dit	dit	NOUN
ijtc-1132	41	28	):	):	PUNCT
ijtc-1132	41	29	(	(	PUNCT
ijtc-1132	41	30	observability	observability	NOUN
ijtc-1132	41	31	,	,	PUNCT
ijtc-1132	41	32	and	and	CCONJ
ijtc-1132	41	33	relative	relative	ADJ
ijtc-1132	41	34	advantage	advantage	NOUN
ijtc-1132	41	35	)	)	PUNCT
ijtc-1132	41	36	(	(	PUNCT
ijtc-1132	41	37	rogers	roger	NOUN
ijtc-1132	41	38	et	et	PROPN
ijtc-1132	41	39	al	al	PROPN
ijtc-1132	41	40	.	.	PROPN
ijtc-1132	41	41	,	,	PUNCT
ijtc-1132	41	42	2014	2014	NUM
ijtc-1132	41	43	)	)	PUNCT
ijtc-1132	41	44	,	,	PUNCT
ijtc-1132	41	45	technology	technology	NOUN
ijtc-1132	41	46	acceptance	acceptance	NOUN
ijtc-1132	41	47	model	model	NOUN
ijtc-1132	41	48	(	(	PUNCT
ijtc-1132	41	49	tam	tam	PROPN
ijtc-1132	41	50	):	):	PUNCT
ijtc-1132	41	51	(	(	PUNCT
ijtc-1132	41	52	perceived	perceive	VERB
ijtc-1132	41	53	ease	ease	NOUN
ijtc-1132	41	54	of	of	ADP
ijtc-1132	41	55	use	use	NOUN
ijtc-1132	41	56	and	and	CCONJ
ijtc-1132	41	57	perceived	perceive	VERB
ijtc-1132	41	58	usefulness	usefulness	NOUN
ijtc-1132	41	59	)	)	PUNCT
ijtc-1132	41	60	(	(	PUNCT
ijtc-1132	41	61	davis	davis	PROPN
ijtc-1132	41	62	,	,	PUNCT
ijtc-1132	41	63	1989	1989	NUM
ijtc-1132	41	64	)	)	PUNCT
ijtc-1132	41	65	and	and	CCONJ
ijtc-1132	41	66	information	information	NOUN
ijtc-1132	41	67	system	system	NOUN
ijtc-1132	41	68	success	success	NOUN
ijtc-1132	41	69	model	model	NOUN
ijtc-1132	41	70	(	(	PUNCT
ijtc-1132	41	71	issm	issm	PROPN
ijtc-1132	41	72	):	):	PUNCT
ijtc-1132	41	73	(	(	PUNCT
ijtc-1132	41	74	information	information	NOUN
ijtc-1132	41	75	quality	quality	NOUN
ijtc-1132	41	76	,	,	PUNCT
ijtc-1132	41	77	and	and	CCONJ
ijtc-1132	41	78	system	system	NOUN
ijtc-1132	41	79	quality	quality	NOUN
ijtc-1132	41	80	)	)	PUNCT
ijtc-1132	41	81	(	(	PUNCT
ijtc-1132	41	82	delone	delone	PROPN
ijtc-1132	41	83	&	&	CCONJ
ijtc-1132	41	84	mclean	mclean	PROPN
ijtc-1132	41	85	,	,	PUNCT
ijtc-1132	41	86	1992	1992	NUM
ijtc-1132	41	87	)	)	PUNCT
ijtc-1132	41	88	.	.	PUNCT
ijtc-1132	42	1	the	the	DET
ijtc-1132	42	2	composite	composite	ADJ
ijtc-1132	42	3	model	model	NOUN
ijtc-1132	42	4	was	be	AUX
ijtc-1132	42	5	applied	apply	VERB
ijtc-1132	42	6	to	to	PART
ijtc-1132	42	7	investigate	investigate	VERB
ijtc-1132	42	8	the	the	DET
ijtc-1132	42	9	determinants	determinant	NOUN
ijtc-1132	42	10	of	of	ADP
ijtc-1132	42	11	mobile	mobile	ADJ
ijtc-1132	42	12	e	e	NOUN
ijtc-1132	42	13	-	-	NOUN
ijtc-1132	42	14	wallet	wallet	NOUN
ijtc-1132	42	15	adoption	adoption	NOUN
ijtc-1132	42	16	across	across	ADP
ijtc-1132	42	17	generations	generation	NOUN
ijtc-1132	42	18	in	in	ADP
ijtc-1132	42	19	indonesia	indonesia	PROPN
ijtc-1132	42	20	.	.	PUNCT
ijtc-1132	43	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	43	2	the	the	DET
ijtc-1132	43	3	determinants	determinant	NOUN
ijtc-1132	43	4	of	of	ADP
ijtc-1132	43	5	mobile	mobile	ADJ
ijtc-1132	43	6	e	e	NOUN
ijtc-1132	43	7	-	-	NOUN
ijtc-1132	43	8	wallet	wallet	NOUN
ijtc-1132	43	9	adoption	adoption	NOUN
ijtc-1132	43	10	across	across	ADP
ijtc-1132	43	11	generation	generation	NOUN
ijtc-1132	43	12	,	,	PUNCT
ijtc-1132	43	13	a	a	DET
ijtc-1132	43	14	lesson	lesson	NOUN
ijtc-1132	43	15	learned	learn	VERB
ijtc-1132	43	16	from	from	ADP
ijtc-1132	43	17	indonesia	indonesia	PROPN
ijtc-1132	43	18	arini	arini	PROPN
ijtc-1132	43	19	,	,	PUNCT
ijtc-1132	43	20	lestari	lestari	NOUN
ijtc-1132	43	21	and	and	CCONJ
ijtc-1132	43	22	hanani	hanani	NOUN
ijtc-1132	43	23	490	490	NUM
ijtc-1132	43	24	|	|	ADV
ijtc-1132	43	25	ilomata	ilomata	PROPN
ijtc-1132	43	26	international	international	ADJ
ijtc-1132	43	27	journal	journal	NOUN
ijtc-1132	43	28	of	of	ADP
ijtc-1132	43	29	tax	tax	PROPN
ijtc-1132	43	30	&	&	CCONJ
ijtc-1132	43	31	accounting	accounting	PROPN
ijtc-1132	43	32	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	43	33	diffusion	diffusion	NOUN
ijtc-1132	43	34	of	of	ADP
ijtc-1132	43	35	innovation	innovation	NOUN
ijtc-1132	43	36	theory	theory	NOUN
ijtc-1132	43	37	the	the	DET
ijtc-1132	43	38	diffusion	diffusion	NOUN
ijtc-1132	43	39	of	of	ADP
ijtc-1132	43	40	innovations	innovation	NOUN
ijtc-1132	43	41	theory	theory	NOUN
ijtc-1132	43	42	(	(	PUNCT
ijtc-1132	43	43	dit	dit	NOUN
ijtc-1132	43	44	)	)	PUNCT
ijtc-1132	43	45	can	can	AUX
ijtc-1132	43	46	be	be	AUX
ijtc-1132	43	47	considered	consider	VERB
ijtc-1132	43	48	as	as	ADP
ijtc-1132	43	49	one	one	NUM
ijtc-1132	43	50	of	of	ADP
ijtc-1132	43	51	the	the	DET
ijtc-1132	43	52	most	most	ADV
ijtc-1132	43	53	popular	popular	ADJ
ijtc-1132	43	54	theories	theory	NOUN
ijtc-1132	43	55	that	that	PRON
ijtc-1132	43	56	tries	try	VERB
ijtc-1132	43	57	to	to	PART
ijtc-1132	43	58	explore	explore	VERB
ijtc-1132	43	59	the	the	DET
ijtc-1132	43	60	factors	factor	NOUN
ijtc-1132	43	61	that	that	PRON
ijtc-1132	43	62	influence	influence	VERB
ijtc-1132	43	63	a	a	DET
ijtc-1132	43	64	person	person	NOUN
ijtc-1132	43	65	to	to	PART
ijtc-1132	43	66	adopt	adopt	VERB
ijtc-1132	43	67	an	an	DET
ijtc-1132	43	68	innovation	innovation	NOUN
ijtc-1132	43	69	or	or	CCONJ
ijtc-1132	43	70	new	new	ADJ
ijtc-1132	43	71	technology	technology	NOUN
ijtc-1132	43	72	.	.	PUNCT
ijtc-1132	44	1	dit	dit	PROPN
ijtc-1132	44	2	aims	aim	VERB
ijtc-1132	44	3	at	at	ADP
ijtc-1132	44	4	the	the	DET
ijtc-1132	44	5	adoption	adoption	NOUN
ijtc-1132	44	6	of	of	ADP
ijtc-1132	44	7	an	an	DET
ijtc-1132	44	8	innovation	innovation	NOUN
ijtc-1132	44	9	(	(	PUNCT
ijtc-1132	44	10	science	science	NOUN
ijtc-1132	44	11	,	,	PUNCT
ijtc-1132	44	12	technology	technology	NOUN
ijtc-1132	44	13	,	,	PUNCT
ijtc-1132	44	14	field	field	NOUN
ijtc-1132	44	15	of	of	ADP
ijtc-1132	44	16	community	community	NOUN
ijtc-1132	44	17	development	development	NOUN
ijtc-1132	44	18	)	)	PUNCT
ijtc-1132	44	19	by	by	ADP
ijtc-1132	44	20	members	member	NOUN
ijtc-1132	44	21	of	of	ADP
ijtc-1132	44	22	a	a	DET
ijtc-1132	44	23	particular	particular	ADJ
ijtc-1132	44	24	social	social	ADJ
ijtc-1132	44	25	system	system	NOUN
ijtc-1132	44	26	.	.	PUNCT
ijtc-1132	45	1	(	(	PUNCT
ijtc-1132	45	2	rogers	roger	NOUN
ijtc-1132	45	3	et	et	PROPN
ijtc-1132	45	4	al	al	PROPN
ijtc-1132	45	5	.	.	PROPN
ijtc-1132	45	6	,	,	PUNCT
ijtc-1132	45	7	2014).it	2014).it	NOUN
ijtc-1132	45	8	identifies	identify	VERB
ijtc-1132	45	9	several	several	ADJ
ijtc-1132	45	10	innovation	innovation	NOUN
ijtc-1132	45	11	attributes	attribute	NOUN
ijtc-1132	45	12	that	that	PRON
ijtc-1132	45	13	are	be	AUX
ijtc-1132	45	14	the	the	DET
ijtc-1132	45	15	main	main	ADJ
ijtc-1132	45	16	influences	influence	NOUN
ijtc-1132	45	17	on	on	ADP
ijtc-1132	45	18	adoption	adoption	NOUN
ijtc-1132	45	19	behavior	behavior	NOUN
ijtc-1132	45	20	including	include	VERB
ijtc-1132	45	21	compatibility	compatibility	NOUN
ijtc-1132	45	22	,	,	PUNCT
ijtc-1132	45	23	observability	observability	NOUN
ijtc-1132	45	24	and	and	CCONJ
ijtc-1132	45	25	relative	relative	ADJ
ijtc-1132	45	26	advantage	advantage	NOUN
ijtc-1132	45	27	.	.	PUNCT
ijtc-1132	46	1	technology	technology	NOUN
ijtc-1132	46	2	acceptance	acceptance	NOUN
ijtc-1132	46	3	model	model	NOUN
ijtc-1132	46	4	technology	technology	PROPN
ijtc-1132	46	5	acceptance	acceptance	NOUN
ijtc-1132	46	6	model	model	NOUN
ijtc-1132	46	7	is	be	AUX
ijtc-1132	46	8	one	one	NUM
ijtc-1132	46	9	of	of	ADP
ijtc-1132	46	10	the	the	DET
ijtc-1132	46	11	behavioral	behavioral	ADJ
ijtc-1132	46	12	theories	theory	NOUN
ijtc-1132	46	13	that	that	PRON
ijtc-1132	46	14	explains	explain	VERB
ijtc-1132	46	15	the	the	DET
ijtc-1132	46	16	approach	approach	NOUN
ijtc-1132	46	17	to	to	ADP
ijtc-1132	46	18	the	the	DET
ijtc-1132	46	19	use	use	NOUN
ijtc-1132	46	20	of	of	ADP
ijtc-1132	46	21	information	information	NOUN
ijtc-1132	46	22	technology	technology	NOUN
ijtc-1132	46	23	.	.	PUNCT
ijtc-1132	47	1	this	this	DET
ijtc-1132	47	2	model	model	NOUN
ijtc-1132	47	3	is	be	AUX
ijtc-1132	47	4	designed	design	VERB
ijtc-1132	47	5	to	to	PART
ijtc-1132	47	6	predict	predict	VERB
ijtc-1132	47	7	the	the	DET
ijtc-1132	47	8	acceptance	acceptance	NOUN
ijtc-1132	47	9	or	or	CCONJ
ijtc-1132	47	10	use	use	NOUN
ijtc-1132	47	11	of	of	ADP
ijtc-1132	47	12	technology	technology	NOUN
ijtc-1132	47	13	by	by	ADP
ijtc-1132	47	14	users	user	NOUN
ijtc-1132	47	15	and	and	CCONJ
ijtc-1132	47	16	benefits	benefit	NOUN
ijtc-1132	47	17	in	in	ADP
ijtc-1132	47	18	work	work	NOUN
ijtc-1132	47	19	(	(	PUNCT
ijtc-1132	47	20	davis	davis	PROPN
ijtc-1132	47	21	,	,	PUNCT
ijtc-1132	47	22	1989	1989	NUM
ijtc-1132	47	23	)	)	PUNCT
ijtc-1132	47	24	.	.	PUNCT
ijtc-1132	48	1	based	base	VERB
ijtc-1132	48	2	on	on	ADP
ijtc-1132	48	3	recent	recent	ADJ
ijtc-1132	48	4	research	research	NOUN
ijtc-1132	48	5	that	that	PRON
ijtc-1132	48	6	uses	use	VERB
ijtc-1132	48	7	tam	tam	NOUN
ijtc-1132	48	8	to	to	PART
ijtc-1132	48	9	determine	determine	VERB
ijtc-1132	48	10	factors	factor	NOUN
ijtc-1132	48	11	that	that	PRON
ijtc-1132	48	12	affect	affect	VERB
ijtc-1132	48	13	the	the	DET
ijtc-1132	48	14	adoption	adoption	NOUN
ijtc-1132	48	15	of	of	ADP
ijtc-1132	48	16	wearable	wearable	ADJ
ijtc-1132	48	17	devices	device	NOUN
ijtc-1132	48	18	(	(	PUNCT
ijtc-1132	48	19	gopinath	gopinath	PROPN
ijtc-1132	48	20	et	et	PROPN
ijtc-1132	48	21	al	al	PROPN
ijtc-1132	48	22	.	.	PROPN
ijtc-1132	48	23	,	,	PUNCT
ijtc-1132	48	24	2022	2022	NUM
ijtc-1132	48	25	)	)	PUNCT
ijtc-1132	48	26	and	and	CCONJ
ijtc-1132	48	27	to	to	PART
ijtc-1132	48	28	examine	examine	VERB
ijtc-1132	48	29	factors	factor	NOUN
ijtc-1132	48	30	that	that	PRON
ijtc-1132	48	31	influence	influence	VERB
ijtc-1132	48	32	the	the	DET
ijtc-1132	48	33	use	use	NOUN
ijtc-1132	48	34	of	of	ADP
ijtc-1132	48	35	artificial	artificial	ADJ
ijtc-1132	48	36	intelligence	intelligence	NOUN
ijtc-1132	48	37	sound	sound	NOUN
ijtc-1132	48	38	agents	agent	NOUN
ijtc-1132	48	39	.	.	PUNCT
ijtc-1132	49	1	(	(	PUNCT
ijtc-1132	49	2	balakrishnan	balakrishnan	NOUN
ijtc-1132	49	3	et	et	PROPN
ijtc-1132	49	4	al	al	PROPN
ijtc-1132	49	5	.	.	PROPN
ijtc-1132	49	6	,	,	PUNCT
ijtc-1132	49	7	2021	2021	NUM
ijtc-1132	49	8	)	)	PUNCT
ijtc-1132	49	9	.	.	PUNCT
ijtc-1132	50	1	the	the	DET
ijtc-1132	50	2	variable	variable	NOUN
ijtc-1132	50	3	used	use	VERB
ijtc-1132	50	4	in	in	ADP
ijtc-1132	50	5	this	this	DET
ijtc-1132	50	6	study	study	NOUN
ijtc-1132	50	7	is	be	AUX
ijtc-1132	50	8	perceived	perceive	VERB
ijtc-1132	50	9	ease	ease	NOUN
ijtc-1132	50	10	of	of	ADP
ijtc-1132	50	11	use	use	NOUN
ijtc-1132	50	12	and	and	CCONJ
ijtc-1132	50	13	perceived	perceive	VERB
ijtc-1132	50	14	usefulness	usefulness	NOUN
ijtc-1132	50	15	.	.	PUNCT
ijtc-1132	51	1	information	information	NOUN
ijtc-1132	51	2	systems	system	NOUN
ijtc-1132	51	3	succes	succes	PROPN
ijtc-1132	51	4	model	model	PROPN
ijtc-1132	51	5	issm	issm	PROPN
ijtc-1132	51	6	is	be	AUX
ijtc-1132	51	7	a	a	DET
ijtc-1132	51	8	theory	theory	NOUN
ijtc-1132	51	9	that	that	PRON
ijtc-1132	51	10	is	be	AUX
ijtc-1132	51	11	formed	form	VERB
ijtc-1132	51	12	from	from	ADP
ijtc-1132	51	13	interconnected	interconnected	ADJ
ijtc-1132	51	14	and	and	CCONJ
ijtc-1132	51	15	independent	independent	ADJ
ijtc-1132	51	16	components	component	NOUN
ijtc-1132	51	17	.	.	PUNCT
ijtc-1132	52	1	these	these	DET
ijtc-1132	52	2	components	component	NOUN
ijtc-1132	52	3	consist	consist	VERB
ijtc-1132	52	4	of	of	ADP
ijtc-1132	52	5	system	system	NOUN
ijtc-1132	52	6	quality	quality	NOUN
ijtc-1132	52	7	,	,	PUNCT
ijtc-1132	52	8	information	information	NOUN
ijtc-1132	52	9	quality	quality	NOUN
ijtc-1132	52	10	,	,	PUNCT
ijtc-1132	52	11	and	and	CCONJ
ijtc-1132	52	12	service	service	NOUN
ijtc-1132	52	13	quality	quality	NOUN
ijtc-1132	52	14	.	.	PUNCT
ijtc-1132	53	1	by	by	ADP
ijtc-1132	53	2	studying	study	VERB
ijtc-1132	53	3	the	the	DET
ijtc-1132	53	4	interaction	interaction	NOUN
ijtc-1132	53	5	of	of	ADP
ijtc-1132	53	6	each	each	DET
ijtc-1132	53	7	component	component	NOUN
ijtc-1132	53	8	,	,	PUNCT
ijtc-1132	53	9	then	then	ADV
ijtc-1132	53	10	the	the	DET
ijtc-1132	53	11	success	success	NOUN
ijtc-1132	53	12	of	of	ADP
ijtc-1132	53	13	an	an	DET
ijtc-1132	53	14	information	information	NOUN
ijtc-1132	53	15	system	system	NOUN
ijtc-1132	53	16	can	can	AUX
ijtc-1132	53	17	be	be	AUX
ijtc-1132	53	18	achieved	achieve	VERB
ijtc-1132	53	19	(	(	PUNCT
ijtc-1132	53	20	delone	delone	PROPN
ijtc-1132	53	21	&	&	CCONJ
ijtc-1132	53	22	mclean	mclean	PROPN
ijtc-1132	53	23	,	,	PUNCT
ijtc-1132	53	24	1992	1992	NUM
ijtc-1132	53	25	)	)	PUNCT
ijtc-1132	53	26	.	.	PUNCT
ijtc-1132	54	1	the	the	DET
ijtc-1132	54	2	issm	issm	PROPN
ijtc-1132	54	3	model	model	NOUN
ijtc-1132	54	4	is	be	AUX
ijtc-1132	54	5	also	also	ADV
ijtc-1132	54	6	seen	see	VERB
ijtc-1132	54	7	as	as	ADP
ijtc-1132	54	8	a	a	DET
ijtc-1132	54	9	theory	theory	NOUN
ijtc-1132	54	10	that	that	PRON
ijtc-1132	54	11	explains	explain	VERB
ijtc-1132	54	12	how	how	SCONJ
ijtc-1132	54	13	the	the	DET
ijtc-1132	54	14	quality	quality	NOUN
ijtc-1132	54	15	of	of	ADP
ijtc-1132	54	16	the	the	DET
ijtc-1132	54	17	system	system	NOUN
ijtc-1132	54	18	,	,	PUNCT
ijtc-1132	54	19	the	the	DET
ijtc-1132	54	20	information	information	NOUN
ijtc-1132	54	21	quality	quality	NOUN
ijtc-1132	54	22	,	,	PUNCT
ijtc-1132	54	23	and	and	CCONJ
ijtc-1132	54	24	the	the	DET
ijtc-1132	54	25	service	service	NOUN
ijtc-1132	54	26	quality	quality	NOUN
ijtc-1132	54	27	affect	affect	VERB
ijtc-1132	54	28	the	the	DET
ijtc-1132	54	29	desire	desire	NOUN
ijtc-1132	54	30	and	and	CCONJ
ijtc-1132	54	31	satisfaction	satisfaction	NOUN
ijtc-1132	54	32	of	of	ADP
ijtc-1132	54	33	the	the	DET
ijtc-1132	54	34	user	user	NOUN
ijtc-1132	54	35	.	.	PUNCT
ijtc-1132	55	1	(	(	PUNCT
ijtc-1132	55	2	lin	lin	PROPN
ijtc-1132	55	3	et	et	PROPN
ijtc-1132	55	4	al	al	PROPN
ijtc-1132	55	5	.	.	PROPN
ijtc-1132	55	6	,	,	PUNCT
ijtc-1132	55	7	2020	2020	NUM
ijtc-1132	55	8	)	)	PUNCT
ijtc-1132	55	9	.	.	PUNCT
ijtc-1132	56	1	this	this	DET
ijtc-1132	56	2	delone	delone	PROPN
ijtc-1132	56	3	&	&	CCONJ
ijtc-1132	56	4	mclean	mclean	PROPN
ijtc-1132	56	5	model	model	PROPN
ijtc-1132	56	6	can	can	AUX
ijtc-1132	56	7	also	also	ADV
ijtc-1132	56	8	be	be	AUX
ijtc-1132	56	9	interpreted	interpret	VERB
ijtc-1132	56	10	as	as	ADP
ijtc-1132	56	11	an	an	DET
ijtc-1132	56	12	important	important	ADJ
ijtc-1132	56	13	tool	tool	NOUN
ijtc-1132	56	14	to	to	PART
ijtc-1132	56	15	know	know	VERB
ijtc-1132	56	16	the	the	DET
ijtc-1132	56	17	value	value	NOUN
ijtc-1132	56	18	and	and	CCONJ
ijtc-1132	56	19	efficiency	efficiency	NOUN
ijtc-1132	56	20	,	,	PUNCT
ijtc-1132	56	21	as	as	ADV
ijtc-1132	56	22	well	well	ADV
ijtc-1132	56	23	as	as	ADP
ijtc-1132	56	24	the	the	DET
ijtc-1132	56	25	management	management	NOUN
ijtc-1132	56	26	actions	action	NOUN
ijtc-1132	56	27	of	of	ADP
ijtc-1132	56	28	the	the	DET
ijtc-1132	56	29	information	information	NOUN
ijtc-1132	56	30	systems	system	NOUN
ijtc-1132	56	31	implemented	implement	VERB
ijtc-1132	56	32	.	.	PUNCT
ijtc-1132	57	1	the	the	DET
ijtc-1132	57	2	assessment	assessment	NOUN
ijtc-1132	57	3	is	be	AUX
ijtc-1132	57	4	based	base	VERB
ijtc-1132	57	5	on	on	ADP
ijtc-1132	57	6	variables	variable	NOUN
ijtc-1132	57	7	that	that	PRON
ijtc-1132	57	8	interfere	interfere	VERB
ijtc-1132	57	9	with	with	ADP
ijtc-1132	57	10	the	the	DET
ijtc-1132	57	11	success	success	NOUN
ijtc-1132	57	12	of	of	ADP
ijtc-1132	57	13	an	an	DET
ijtc-1132	57	14	information	information	NOUN
ijtc-1132	57	15	system(lazaroni	system(lazaroni	PROPN
ijtc-1132	57	16	ibrahim	ibrahim	NOUN
ijtc-1132	57	17	,	,	PUNCT
ijtc-1132	57	18	2017	2017	NUM
ijtc-1132	57	19	)	)	PUNCT
ijtc-1132	57	20	.	.	PUNCT
ijtc-1132	58	1	the	the	DET
ijtc-1132	58	2	composite	composite	ADJ
ijtc-1132	58	3	conceptual	conceptual	ADJ
ijtc-1132	58	4	model	model	NOUN
ijtc-1132	58	5	this	this	DET
ijtc-1132	58	6	study	study	NOUN
ijtc-1132	58	7	is	be	AUX
ijtc-1132	58	8	based	base	VERB
ijtc-1132	58	9	on	on	ADP
ijtc-1132	58	10	three	three	NUM
ijtc-1132	58	11	well	well	ADV
ijtc-1132	58	12	known	know	VERB
ijtc-1132	58	13	frameworks	framework	NOUN
ijtc-1132	58	14	for	for	ADP
ijtc-1132	58	15	measuring	measure	VERB
ijtc-1132	58	16	technology	technology	NOUN
ijtc-1132	58	17	adoption	adoption	NOUN
ijtc-1132	58	18	and	and	CCONJ
ijtc-1132	58	19	use	use	NOUN
ijtc-1132	58	20	:	:	PUNCT
ijtc-1132	58	21	dit	dit	PROPN
ijtc-1132	58	22	,	,	PUNCT
ijtc-1132	58	23	tam	tam	PROPN
ijtc-1132	58	24	,	,	PUNCT
ijtc-1132	58	25	and	and	CCONJ
ijtc-1132	58	26	issm	issm	NOUN
ijtc-1132	58	27	.	.	PUNCT
ijtc-1132	59	1	there	there	PRON
ijtc-1132	59	2	are	be	VERB
ijtc-1132	59	3	six	six	NUM
ijtc-1132	59	4	constructs	construct	NOUN
ijtc-1132	59	5	in	in	ADP
ijtc-1132	59	6	the	the	DET
ijtc-1132	59	7	model	model	NOUN
ijtc-1132	59	8	,	,	PUNCT
ijtc-1132	59	9	namely	namely	ADV
ijtc-1132	59	10	:	:	PUNCT
ijtc-1132	59	11	observability	observability	NOUN
ijtc-1132	59	12	,	,	PUNCT
ijtc-1132	59	13	relative	relative	ADJ
ijtc-1132	59	14	advantage	advantage	NOUN
ijtc-1132	59	15	,	,	PUNCT
ijtc-1132	59	16	perceived	perceive	VERB
ijtc-1132	59	17	ease	ease	NOUN
ijtc-1132	59	18	of	of	ADP
ijtc-1132	59	19	use	use	NOUN
ijtc-1132	59	20	,	,	PUNCT
ijtc-1132	59	21	perceived	perceive	VERB
ijtc-1132	59	22	usefulness	usefulness	NOUN
ijtc-1132	59	23	,	,	PUNCT
ijtc-1132	59	24	information	information	NOUN
ijtc-1132	59	25	quality	quality	NOUN
ijtc-1132	59	26	and	and	CCONJ
ijtc-1132	59	27	system	system	NOUN
ijtc-1132	59	28	quality	quality	NOUN
ijtc-1132	59	29	.	.	PUNCT
ijtc-1132	60	1	these	these	DET
ijtc-1132	60	2	theories	theory	NOUN
ijtc-1132	60	3	were	be	AUX
ijtc-1132	60	4	chosen	choose	VERB
ijtc-1132	60	5	because	because	SCONJ
ijtc-1132	60	6	they	they	PRON
ijtc-1132	60	7	are	be	AUX
ijtc-1132	60	8	well	well	ADV
ijtc-1132	60	9	recognized	recognize	VERB
ijtc-1132	60	10	and	and	CCONJ
ijtc-1132	60	11	have	have	VERB
ijtc-1132	60	12	good	good	ADJ
ijtc-1132	60	13	characteristics	characteristic	NOUN
ijtc-1132	60	14	in	in	ADP
ijtc-1132	60	15	explaining	explain	VERB
ijtc-1132	60	16	the	the	DET
ijtc-1132	60	17	determinants	determinant	NOUN
ijtc-1132	60	18	of	of	ADP
ijtc-1132	60	19	mobile	mobile	ADJ
ijtc-1132	60	20	e	e	NOUN
ijtc-1132	60	21	-	-	NOUN
ijtc-1132	60	22	wallet	wallet	NOUN
ijtc-1132	60	23	adoption	adoption	NOUN
ijtc-1132	60	24	across	across	ADP
ijtc-1132	60	25	generations	generation	NOUN
ijtc-1132	60	26	in	in	ADP
ijtc-1132	60	27	indonesia	indonesia	PROPN
ijtc-1132	60	28	,	,	PUNCT
ijtc-1132	60	29	using	use	VERB
ijtc-1132	60	30	west	west	PROPN
ijtc-1132	60	31	nusa	nusa	PROPN
ijtc-1132	60	32	tenggara	tenggara	PROPN
ijtc-1132	60	33	province	province	PROPN
ijtc-1132	60	34	as	as	ADP
ijtc-1132	60	35	a	a	DET
ijtc-1132	60	36	case	case	NOUN
ijtc-1132	60	37	study	study	NOUN
ijtc-1132	60	38	.	.	PUNCT
ijtc-1132	61	1	hypothesis	hypothesis	NOUN
ijtc-1132	61	2	development	development	NOUN
ijtc-1132	61	3	observability	observability	NOUN
ijtc-1132	61	4	of	of	ADP
ijtc-1132	61	5	an	an	DET
ijtc-1132	61	6	innovation	innovation	NOUN
ijtc-1132	61	7	describes	describe	VERB
ijtc-1132	61	8	the	the	DET
ijtc-1132	61	9	extent	extent	NOUN
ijtc-1132	61	10	to	to	PART
ijtc-1132	61	11	which	which	PRON
ijtc-1132	61	12	an	an	DET
ijtc-1132	61	13	innovation	innovation	NOUN
ijtc-1132	61	14	can	can	AUX
ijtc-1132	61	15	be	be	AUX
ijtc-1132	61	16	seen	see	VERB
ijtc-1132	61	17	by	by	ADP
ijtc-1132	61	18	members	member	NOUN
ijtc-1132	61	19	of	of	ADP
ijtc-1132	61	20	a	a	DET
ijtc-1132	61	21	social	social	ADJ
ijtc-1132	61	22	system	system	NOUN
ijtc-1132	61	23	,	,	PUNCT
ijtc-1132	61	24	and	and	CCONJ
ijtc-1132	61	25	its	its	PRON
ijtc-1132	61	26	benefits	benefit	NOUN
ijtc-1132	61	27	can	can	AUX
ijtc-1132	61	28	be	be	AUX
ijtc-1132	61	29	easily	easily	ADV
ijtc-1132	61	30	observed	observe	VERB
ijtc-1132	61	31	and	and	CCONJ
ijtc-1132	61	32	communicated	communicate	VERB
ijtc-1132	61	33	.	.	PUNCT
ijtc-1132	62	1	(	(	PUNCT
ijtc-1132	62	2	rogers	roger	NOUN
ijtc-1132	62	3	et	et	PROPN
ijtc-1132	62	4	al	al	PROPN
ijtc-1132	62	5	.	.	PROPN
ijtc-1132	62	6	,	,	PUNCT
ijtc-1132	62	7	2014	2014	NUM
ijtc-1132	62	8	)	)	PUNCT
ijtc-1132	62	9	.	.	PUNCT
ijtc-1132	63	1	in	in	ADP
ijtc-1132	63	2	the	the	DET
ijtc-1132	63	3	context	context	NOUN
ijtc-1132	63	4	of	of	ADP
ijtc-1132	63	5	mobile	mobile	ADJ
ijtc-1132	63	6	e	e	NOUN
ijtc-1132	63	7	-	-	NOUN
ijtc-1132	63	8	wallets	wallet	NOUN
ijtc-1132	63	9	,	,	PUNCT
ijtc-1132	63	10	observability	observability	NOUN
ijtc-1132	63	11	is	be	AUX
ijtc-1132	63	12	defined	define	VERB
ijtc-1132	63	13	as	as	ADP
ijtc-1132	63	14	the	the	DET
ijtc-1132	63	15	ability	ability	NOUN
ijtc-1132	63	16	to	to	PART
ijtc-1132	63	17	access	access	VERB
ijtc-1132	63	18	e	e	NOUN
ijtc-1132	63	19	-	-	NOUN
ijtc-1132	63	20	wallet	wallet	NOUN
ijtc-1132	63	21	services	service	NOUN
ijtc-1132	63	22	at	at	ADP
ijtc-1132	63	23	any	any	DET
ijtc-1132	63	24	time	time	NOUN
ijtc-1132	63	25	and	and	CCONJ
ijtc-1132	63	26	from	from	ADP
ijtc-1132	63	27	any	any	DET
ijtc-1132	63	28	location	location	NOUN
ijtc-1132	63	29	without	without	ADP
ijtc-1132	63	30	delay	delay	NOUN
ijtc-1132	63	31	or	or	CCONJ
ijtc-1132	63	32	delay	delay	NOUN
ijtc-1132	63	33	,	,	PUNCT
ijtc-1132	63	34	and	and	CCONJ
ijtc-1132	63	35	see	see	VERB
ijtc-1132	63	36	the	the	DET
ijtc-1132	63	37	impact	impact	NOUN
ijtc-1132	63	38	of	of	ADP
ijtc-1132	63	39	mobile	mobile	ADJ
ijtc-1132	63	40	transactions	transaction	NOUN
ijtc-1132	63	41	of	of	ADP
ijtc-1132	63	42	ewallets	ewallet	NOUN
ijtc-1132	63	43	immediately	immediately	ADV
ijtc-1132	63	44	,	,	PUNCT
ijtc-1132	63	45	and	and	CCONJ
ijtc-1132	63	46	convey	convey	VERB
ijtc-1132	63	47	the	the	DET
ijtc-1132	63	48	benefits	benefit	NOUN
ijtc-1132	63	49	of	of	ADP
ijtc-1132	63	50	accessibility	accessibility	NOUN
ijtc-1132	63	51	to	to	ADP
ijtc-1132	63	52	others	other	NOUN
ijtc-1132	63	53	.	.	PUNCT
ijtc-1132	64	1	in	in	ADP
ijtc-1132	64	2	line	line	NOUN
ijtc-1132	64	3	with	with	ADP
ijtc-1132	64	4	previous	previous	ADJ
ijtc-1132	64	5	research	research	NOUN
ijtc-1132	64	6	,	,	PUNCT
ijtc-1132	64	7	the	the	DET
ijtc-1132	64	8	following	follow	VERB
ijtc-1132	64	9	hypotheses	hypothesis	NOUN
ijtc-1132	64	10	are	be	AUX
ijtc-1132	64	11	proposed	propose	VERB
ijtc-1132	64	12	:	:	PUNCT
ijtc-1132	64	13	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1132	64	14	the	the	DET
ijtc-1132	64	15	determinants	determinant	NOUN
ijtc-1132	64	16	of	of	ADP
ijtc-1132	64	17	mobile	mobile	ADJ
ijtc-1132	64	18	e	e	NOUN
ijtc-1132	64	19	-	-	NOUN
ijtc-1132	64	20	wallet	wallet	NOUN
ijtc-1132	64	21	adoption	adoption	NOUN
ijtc-1132	64	22	across	across	ADP
ijtc-1132	64	23	generation	generation	NOUN
ijtc-1132	64	24	,	,	PUNCT
ijtc-1132	64	25	a	a	DET
ijtc-1132	64	26	lesson	lesson	NOUN
ijtc-1132	64	27	learned	learn	VERB
ijtc-1132	64	28	from	from	ADP
ijtc-1132	64	29	indonesia	indonesia	PROPN
ijtc-1132	64	30	arini	arini	PROPN
ijtc-1132	64	31	,	,	PUNCT
ijtc-1132	64	32	lestari	lestari	NOUN
ijtc-1132	64	33	and	and	CCONJ
ijtc-1132	64	34	hanani	hanani	NOUN
ijtc-1132	64	35	491	491	NUM
ijtc-1132	64	36	|	|	ADV
ijtc-1132	64	37	ilomata	ilomata	PROPN
ijtc-1132	64	38	international	international	ADJ
ijtc-1132	64	39	journal	journal	NOUN
ijtc-1132	64	40	of	of	ADP
ijtc-1132	64	41	tax	tax	PROPN
ijtc-1132	64	42	&	&	CCONJ
ijtc-1132	64	43	accounting	account	VERB
ijtc-1132	64	44	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	64	45	h1	h1	PROPN
ijtc-1132	64	46	:	:	PUNCT
ijtc-1132	64	47	observability	observability	NOUN
ijtc-1132	64	48	positively	positively	ADV
ijtc-1132	64	49	affects	affect	VERB
ijtc-1132	64	50	the	the	DET
ijtc-1132	64	51	adoption	adoption	NOUN
ijtc-1132	64	52	of	of	ADP
ijtc-1132	64	53	cross	cross	ADJ
ijtc-1132	64	54	-	-	NOUN
ijtc-1132	64	55	generation	generation	ADJ
ijtc-1132	64	56	e	e	NOUN
ijtc-1132	64	57	-	-	NOUN
ijtc-1132	64	58	wallet	wallet	NOUN
ijtc-1132	64	59	in	in	ADP
ijtc-1132	64	60	indonesia	indonesia	PROPN
ijtc-1132	64	61	relative	relative	ADJ
ijtc-1132	64	62	advantage	advantage	NOUN
ijtc-1132	64	63	is	be	AUX
ijtc-1132	64	64	the	the	DET
ijtc-1132	64	65	extent	extent	NOUN
ijtc-1132	64	66	to	to	PART
ijtc-1132	64	67	which	which	PRON
ijtc-1132	64	68	a	a	DET
ijtc-1132	64	69	new	new	ADJ
ijtc-1132	64	70	innovation	innovation	NOUN
ijtc-1132	64	71	is	be	AUX
ijtc-1132	64	72	considered	consider	VERB
ijtc-1132	64	73	superior	superior	ADJ
ijtc-1132	64	74	to	to	ADP
ijtc-1132	64	75	the	the	DET
ijtc-1132	64	76	innovation	innovation	NOUN
ijtc-1132	64	77	it	it	PRON
ijtc-1132	64	78	replaces	replace	VERB
ijtc-1132	64	79	.	.	PUNCT
ijtc-1132	65	1	research	research	NOUN
ijtc-1132	65	2	reveals	reveal	VERB
ijtc-1132	65	3	that	that	SCONJ
ijtc-1132	65	4	relative	relative	ADJ
ijtc-1132	65	5	benefits	benefit	NOUN
ijtc-1132	65	6	have	have	VERB
ijtc-1132	65	7	a	a	DET
ijtc-1132	65	8	positive	positive	ADJ
ijtc-1132	65	9	impact	impact	NOUN
ijtc-1132	65	10	on	on	ADP
ijtc-1132	65	11	people	people	NOUN
ijtc-1132	65	12	's	's	PART
ijtc-1132	65	13	intentions	intention	NOUN
ijtc-1132	65	14	to	to	PART
ijtc-1132	65	15	use	use	VERB
ijtc-1132	65	16	e	e	NOUN
ijtc-1132	65	17	-	-	NOUN
ijtc-1132	65	18	wallet	wallet	NOUN
ijtc-1132	65	19	(	(	PUNCT
ijtc-1132	65	20	lin	lin	PROPN
ijtc-1132	65	21	et	et	PROPN
ijtc-1132	65	22	al	al	PROPN
ijtc-1132	65	23	.	.	PROPN
ijtc-1132	65	24	,	,	PUNCT
ijtc-1132	65	25	2020	2020	NUM
ijtc-1132	65	26	;	;	PUNCT
ijtc-1132	65	27	mombeuil	mombeuil	NOUN
ijtc-1132	65	28	,	,	PUNCT
ijtc-1132	65	29	2020	2020	NUM
ijtc-1132	65	30	)	)	PUNCT
ijtc-1132	65	31	.	.	PUNCT
ijtc-1132	66	1	in	in	ADP
ijtc-1132	66	2	line	line	NOUN
ijtc-1132	66	3	with	with	ADP
ijtc-1132	66	4	previous	previous	ADJ
ijtc-1132	66	5	research	research	NOUN
ijtc-1132	66	6	,	,	PUNCT
ijtc-1132	66	7	the	the	DET
ijtc-1132	66	8	following	follow	VERB
ijtc-1132	66	9	hypotheses	hypothesis	NOUN
ijtc-1132	66	10	are	be	AUX
ijtc-1132	66	11	proposed	propose	VERB
ijtc-1132	66	12	:	:	PUNCT
ijtc-1132	66	13	h2	h2	NOUN
ijtc-1132	66	14	:	:	PUNCT
ijtc-1132	66	15	relative	relative	ADJ
ijtc-1132	66	16	advantage	advantage	NOUN
ijtc-1132	66	17	positively	positively	ADV
ijtc-1132	66	18	affects	affect	VERB
ijtc-1132	66	19	the	the	DET
ijtc-1132	66	20	adoption	adoption	NOUN
ijtc-1132	66	21	of	of	ADP
ijtc-1132	66	22	cross	cross	ADJ
ijtc-1132	66	23	-	-	NOUN
ijtc-1132	66	24	generation	generation	ADJ
ijtc-1132	66	25	e	e	NOUN
ijtc-1132	66	26	-	-	NOUN
ijtc-1132	66	27	wallet	wallet	NOUN
ijtc-1132	66	28	in	in	ADP
ijtc-1132	66	29	indonesia	indonesia	PROPN
ijtc-1132	66	30	perceived	perceive	VERB
ijtc-1132	66	31	ease	ease	NOUN
ijtc-1132	66	32	of	of	ADP
ijtc-1132	66	33	use	use	NOUN
ijtc-1132	66	34	and	and	CCONJ
ijtc-1132	66	35	usability	usability	NOUN
ijtc-1132	66	36	are	be	AUX
ijtc-1132	66	37	important	important	ADJ
ijtc-1132	66	38	factors	factor	NOUN
ijtc-1132	66	39	predicting	predict	VERB
ijtc-1132	66	40	the	the	DET
ijtc-1132	66	41	adoption	adoption	NOUN
ijtc-1132	66	42	of	of	ADP
ijtc-1132	66	43	technology	technology	NOUN
ijtc-1132	66	44	(	(	PUNCT
ijtc-1132	66	45	chen	chen	PROPN
ijtc-1132	66	46	&	&	CCONJ
ijtc-1132	66	47	aklikokou	aklikokou	PROPN
ijtc-1132	66	48	,	,	PUNCT
ijtc-1132	66	49	2020	2020	NUM
ijtc-1132	66	50	)	)	PUNCT
ijtc-1132	66	51	and	and	CCONJ
ijtc-1132	66	52	supporting	support	VERB
ijtc-1132	66	53	mobile	mobile	ADJ
ijtc-1132	66	54	technology	technology	NOUN
ijtc-1132	66	55	services	service	NOUN
ijtc-1132	66	56	(	(	PUNCT
ijtc-1132	66	57	al	al	PROPN
ijtc-1132	66	58	-	-	PUNCT
ijtc-1132	66	59	emran	emran	NOUN
ijtc-1132	66	60	et	et	PROPN
ijtc-1132	66	61	al	al	PROPN
ijtc-1132	66	62	.	.	PROPN
ijtc-1132	66	63	,	,	PUNCT
ijtc-1132	66	64	2020	2020	NUM
ijtc-1132	66	65	)	)	PUNCT
ijtc-1132	66	66	.	.	PUNCT
ijtc-1132	67	1	previous	previous	ADJ
ijtc-1132	67	2	studies	study	NOUN
ijtc-1132	67	3	showed	show	VERB
ijtc-1132	67	4	that	that	SCONJ
ijtc-1132	67	5	the	the	DET
ijtc-1132	67	6	usability	usability	NOUN
ijtc-1132	67	7	factor	factor	NOUN
ijtc-1132	67	8	is	be	AUX
ijtc-1132	67	9	positively	positively	ADV
ijtc-1132	67	10	linked	link	VERB
ijtc-1132	67	11	to	to	ADP
ijtc-1132	67	12	mobile	mobile	ADJ
ijtc-1132	67	13	payments	payment	NOUN
ijtc-1132	67	14	in	in	ADP
ijtc-1132	67	15	hong	hong	PROPN
ijtc-1132	67	16	kong	kong	PROPN
ijtc-1132	67	17	(	(	PUNCT
ijtc-1132	67	18	wong	wong	PROPN
ijtc-1132	67	19	&	&	CCONJ
ijtc-1132	67	20	mo	mo	PROPN
ijtc-1132	67	21	,	,	PUNCT
ijtc-1132	67	22	2019	2019	NUM
ijtc-1132	67	23	)	)	PUNCT
ijtc-1132	67	24	.	.	PUNCT
ijtc-1132	68	1	in	in	ADP
ijtc-1132	68	2	line	line	NOUN
ijtc-1132	68	3	with	with	ADP
ijtc-1132	68	4	previous	previous	ADJ
ijtc-1132	68	5	research	research	NOUN
ijtc-1132	68	6	,	,	PUNCT
ijtc-1132	68	7	the	the	DET
ijtc-1132	68	8	following	follow	VERB
ijtc-1132	68	9	hypotheses	hypothesis	NOUN
ijtc-1132	68	10	are	be	AUX
ijtc-1132	68	11	proposed	propose	VERB
ijtc-1132	68	12	:	:	PUNCT
ijtc-1132	68	13	h3	h3	NOUN
ijtc-1132	68	14	:	:	PUNCT
ijtc-1132	68	15	perceived	perceive	VERB
ijtc-1132	68	16	ease	ease	NOUN
ijtc-1132	68	17	of	of	ADP
ijtc-1132	68	18	use	use	NOUN
ijtc-1132	68	19	positively	positively	ADV
ijtc-1132	68	20	affects	affect	VERB
ijtc-1132	68	21	the	the	DET
ijtc-1132	68	22	adoption	adoption	NOUN
ijtc-1132	68	23	of	of	ADP
ijtc-1132	68	24	cross	cross	ADJ
ijtc-1132	68	25	-	-	NOUN
ijtc-1132	68	26	generation	generation	ADJ
ijtc-1132	68	27	e	e	NOUN
ijtc-1132	68	28	-	-	NOUN
ijtc-1132	68	29	wallet	wallet	NOUN
ijtc-1132	68	30	in	in	ADP
ijtc-1132	68	31	indonesia	indonesia	PROPN
ijtc-1132	68	32	perceived	perceive	VERB
ijtc-1132	68	33	usefulness	usefulness	NOUN
ijtc-1132	68	34	is	be	AUX
ijtc-1132	68	35	similar	similar	ADJ
ijtc-1132	68	36	to	to	ADP
ijtc-1132	68	37	the	the	DET
ijtc-1132	68	38	relative	relative	ADJ
ijtc-1132	68	39	advantage	advantage	NOUN
ijtc-1132	68	40	in	in	ADP
ijtc-1132	68	41	dit	dit	PROPN
ijtc-1132	68	42	,	,	PUNCT
ijtc-1132	68	43	is	be	AUX
ijtc-1132	68	44	an	an	DET
ijtc-1132	68	45	important	important	ADJ
ijtc-1132	68	46	driving	driving	NOUN
ijtc-1132	68	47	force	force	NOUN
ijtc-1132	68	48	for	for	ADP
ijtc-1132	68	49	the	the	DET
ijtc-1132	68	50	adoptation	adoptation	NOUN
ijtc-1132	68	51	of	of	ADP
ijtc-1132	68	52	mobile	mobile	ADJ
ijtc-1132	68	53	application	application	NOUN
ijtc-1132	68	54	services	service	NOUN
ijtc-1132	68	55	(	(	PUNCT
ijtc-1132	68	56	tam	tam	X
ijtc-1132	68	57	et	et	PROPN
ijtc-1132	68	58	al	al	PROPN
ijtc-1132	68	59	.	.	PROPN
ijtc-1132	68	60	,	,	PUNCT
ijtc-1132	68	61	2020	2020	NUM
ijtc-1132	68	62	)	)	PUNCT
ijtc-1132	68	63	perceived	perceive	VERB
ijtc-1132	68	64	usability	usability	NOUN
ijtc-1132	68	65	suggests	suggest	VERB
ijtc-1132	68	66	that	that	SCONJ
ijtc-1132	68	67	using	use	VERB
ijtc-1132	68	68	mpayment	mpayment	ADJ
ijtc-1132	68	69	methods	method	NOUN
ijtc-1132	68	70	can	can	AUX
ijtc-1132	68	71	benefit	benefit	VERB
ijtc-1132	68	72	users	user	NOUN
ijtc-1132	68	73	who	who	PRON
ijtc-1132	68	74	pay	pay	VERB
ijtc-1132	68	75	for	for	ADP
ijtc-1132	68	76	certain	certain	ADJ
ijtc-1132	68	77	goods	good	NOUN
ijtc-1132	68	78	.	.	PUNCT
ijtc-1132	69	1	previous	previous	ADJ
ijtc-1132	69	2	studies	study	NOUN
ijtc-1132	69	3	have	have	AUX
ijtc-1132	69	4	shown	show	VERB
ijtc-1132	69	5	that	that	SCONJ
ijtc-1132	69	6	utility	utility	NOUN
ijtc-1132	69	7	factors	factor	NOUN
ijtc-1132	69	8	are	be	AUX
ijtc-1132	69	9	positively	positively	ADV
ijtc-1132	69	10	linked	link	VERB
ijtc-1132	69	11	to	to	ADP
ijtc-1132	69	12	e	e	NOUN
ijtc-1132	69	13	-	-	NOUN
ijtc-1132	69	14	wallet	wallet	NOUN
ijtc-1132	69	15	acceptance	acceptance	NOUN
ijtc-1132	69	16	among	among	ADP
ijtc-1132	69	17	generation	generation	NOUN
ijtc-1132	69	18	y	y	PROPN
ijtc-1132	69	19	in	in	ADP
ijtc-1132	69	20	india	india	PROPN
ijtc-1132	69	21	.	.	PUNCT
ijtc-1132	70	1	(	(	PUNCT
ijtc-1132	70	2	trivedi	trivedi	PROPN
ijtc-1132	70	3	,	,	PUNCT
ijtc-1132	70	4	2016	2016	NUM
ijtc-1132	70	5	)	)	PUNCT
ijtc-1132	70	6	.	.	PUNCT
ijtc-1132	71	1	in	in	ADP
ijtc-1132	71	2	line	line	NOUN
ijtc-1132	71	3	with	with	ADP
ijtc-1132	71	4	previous	previous	ADJ
ijtc-1132	71	5	research	research	NOUN
ijtc-1132	71	6	,	,	PUNCT
ijtc-1132	71	7	the	the	DET
ijtc-1132	71	8	following	follow	VERB
ijtc-1132	71	9	hypotheses	hypothesis	NOUN
ijtc-1132	71	10	are	be	AUX
ijtc-1132	71	11	proposed	propose	VERB
ijtc-1132	71	12	:	:	PUNCT
ijtc-1132	71	13	h4	h4	NOUN
ijtc-1132	71	14	:	:	PUNCT
ijtc-1132	71	15	perceived	perceive	VERB
ijtc-1132	71	16	usefulness	usefulness	NOUN
ijtc-1132	71	17	positively	positively	ADV
ijtc-1132	71	18	affects	affect	VERB
ijtc-1132	71	19	the	the	DET
ijtc-1132	71	20	adoption	adoption	NOUN
ijtc-1132	71	21	of	of	ADP
ijtc-1132	71	22	cross	cross	ADJ
ijtc-1132	71	23	-	-	NOUN
ijtc-1132	71	24	generation	generation	ADJ
ijtc-1132	71	25	e	e	NOUN
ijtc-1132	71	26	-	-	NOUN
ijtc-1132	71	27	wallet	wallet	NOUN
ijtc-1132	71	28	in	in	ADP
ijtc-1132	71	29	indonesia	indonesia	PROPN
ijtc-1132	71	30	it	it	PRON
ijtc-1132	71	31	has	have	AUX
ijtc-1132	71	32	been	be	AUX
ijtc-1132	71	33	established	establish	VERB
ijtc-1132	71	34	that	that	SCONJ
ijtc-1132	71	35	information	information	NOUN
ijtc-1132	71	36	quality	quality	NOUN
ijtc-1132	71	37	affects	affect	VERB
ijtc-1132	71	38	users	user	NOUN
ijtc-1132	71	39	'	'	PART
ijtc-1132	71	40	intention	intention	NOUN
ijtc-1132	71	41	to	to	PART
ijtc-1132	71	42	use	use	VERB
ijtc-1132	71	43	mobile	mobile	ADJ
ijtc-1132	71	44	application	application	NOUN
ijtc-1132	71	45	services	service	NOUN
ijtc-1132	71	46	(	(	PUNCT
ijtc-1132	71	47	azizah	azizah	PROPN
ijtc-1132	71	48	et	et	PROPN
ijtc-1132	71	49	al	al	PROPN
ijtc-1132	71	50	.	.	PROPN
ijtc-1132	71	51	,	,	PUNCT
ijtc-1132	71	52	2018	2018	NUM
ijtc-1132	71	53	)	)	PUNCT
ijtc-1132	71	54	.	.	PUNCT
ijtc-1132	72	1	concerning	concern	VERB
ijtc-1132	72	2	mobile	mobile	ADJ
ijtc-1132	72	3	payment	payment	NOUN
ijtc-1132	72	4	services	service	NOUN
ijtc-1132	72	5	,	,	PUNCT
ijtc-1132	72	6	high	high	ADJ
ijtc-1132	72	7	-	-	PUNCT
ijtc-1132	72	8	quality	quality	NOUN
ijtc-1132	72	9	content	content	NOUN
ijtc-1132	72	10	can	can	AUX
ijtc-1132	72	11	improve	improve	VERB
ijtc-1132	72	12	the	the	DET
ijtc-1132	72	13	understanding	understanding	NOUN
ijtc-1132	72	14	,	,	PUNCT
ijtc-1132	72	15	usability	usability	NOUN
ijtc-1132	72	16	,	,	PUNCT
ijtc-1132	72	17	and	and	CCONJ
ijtc-1132	72	18	relevance	relevance	NOUN
ijtc-1132	72	19	of	of	ADP
ijtc-1132	72	20	mobile	mobile	ADJ
ijtc-1132	72	21	wallets	wallet	NOUN
ijtc-1132	72	22	.	.	PUNCT
ijtc-1132	73	1	in	in	ADP
ijtc-1132	73	2	this	this	DET
ijtc-1132	73	3	case	case	NOUN
ijtc-1132	73	4	,	,	PUNCT
ijtc-1132	73	5	information	information	NOUN
ijtc-1132	73	6	quality	quality	NOUN
ijtc-1132	73	7	reflects	reflect	VERB
ijtc-1132	73	8	how	how	SCONJ
ijtc-1132	73	9	relevant	relevant	ADJ
ijtc-1132	73	10	,	,	PUNCT
ijtc-1132	73	11	accurate	accurate	ADJ
ijtc-1132	73	12	,	,	PUNCT
ijtc-1132	73	13	reliable	reliable	ADJ
ijtc-1132	73	14	,	,	PUNCT
ijtc-1132	73	15	and	and	CCONJ
ijtc-1132	73	16	useful	useful	ADJ
ijtc-1132	73	17	information	information	NOUN
ijtc-1132	73	18	is	be	AUX
ijtc-1132	73	19	to	to	ADP
ijtc-1132	73	20	users	user	NOUN
ijtc-1132	73	21	(	(	PUNCT
ijtc-1132	73	22	fmawati	fmawati	PROPN
ijtc-1132	73	23	et	et	PROPN
ijtc-1132	73	24	al	al	PROPN
ijtc-1132	73	25	.	.	PROPN
ijtc-1132	73	26	,	,	PUNCT
ijtc-1132	73	27	2022	2022	NUM
ijtc-1132	73	28	)	)	PUNCT
ijtc-1132	73	29	.	.	PUNCT
ijtc-1132	74	1	in	in	ADP
ijtc-1132	74	2	line	line	NOUN
ijtc-1132	74	3	with	with	ADP
ijtc-1132	74	4	previous	previous	ADJ
ijtc-1132	74	5	research	research	NOUN
ijtc-1132	74	6	,	,	PUNCT
ijtc-1132	74	7	the	the	DET
ijtc-1132	74	8	following	follow	VERB
ijtc-1132	74	9	hypotheses	hypothesis	NOUN
ijtc-1132	74	10	are	be	AUX
ijtc-1132	74	11	proposed	propose	VERB
ijtc-1132	74	12	:	:	PUNCT
ijtc-1132	74	13	h5	h5	PROPN
ijtc-1132	74	14	:	:	PUNCT
ijtc-1132	74	15	information	information	NOUN
ijtc-1132	74	16	quality	quality	NOUN
ijtc-1132	74	17	positively	positively	ADV
ijtc-1132	74	18	affects	affect	VERB
ijtc-1132	74	19	the	the	DET
ijtc-1132	74	20	adoption	adoption	NOUN
ijtc-1132	74	21	of	of	ADP
ijtc-1132	74	22	cross	cross	ADJ
ijtc-1132	74	23	-	-	NOUN
ijtc-1132	74	24	generation	generation	ADJ
ijtc-1132	74	25	e	e	NOUN
ijtc-1132	74	26	-	-	NOUN
ijtc-1132	74	27	wallet	wallet	NOUN
ijtc-1132	74	28	in	in	ADP
ijtc-1132	74	29	indonesia	indonesia	PROPN
ijtc-1132	74	30	it	it	PRON
ijtc-1132	74	31	has	have	AUX
ijtc-1132	74	32	been	be	AUX
ijtc-1132	74	33	established	establish	VERB
ijtc-1132	74	34	that	that	SCONJ
ijtc-1132	74	35	system	system	NOUN
ijtc-1132	74	36	quality	quality	NOUN
ijtc-1132	74	37	substantially	substantially	ADV
ijtc-1132	74	38	affects	affect	VERB
ijtc-1132	74	39	satisfaction	satisfaction	NOUN
ijtc-1132	74	40	and	and	CCONJ
ijtc-1132	74	41	intention	intention	NOUN
ijtc-1132	74	42	to	to	PART
ijtc-1132	74	43	use	use	VERB
ijtc-1132	74	44	mobile	mobile	ADJ
ijtc-1132	74	45	application	application	NOUN
ijtc-1132	74	46	services	service	NOUN
ijtc-1132	74	47	.	.	PUNCT
ijtc-1132	75	1	system	system	NOUN
ijtc-1132	75	2	quality	quality	NOUN
ijtc-1132	75	3	is	be	AUX
ijtc-1132	75	4	a	a	DET
ijtc-1132	75	5	combination	combination	NOUN
ijtc-1132	75	6	of	of	ADP
ijtc-1132	75	7	quality	quality	NOUN
ijtc-1132	75	8	between	between	ADP
ijtc-1132	75	9	hardware	hardware	NOUN
ijtc-1132	75	10	and	and	CCONJ
ijtc-1132	75	11	software	software	NOUN
ijtc-1132	75	12	used	use	VERB
ijtc-1132	75	13	in	in	ADP
ijtc-1132	75	14	an	an	DET
ijtc-1132	75	15	information	information	NOUN
ijtc-1132	75	16	system	system	NOUN
ijtc-1132	75	17	(	(	PUNCT
ijtc-1132	75	18	agustina	agustina	PROPN
ijtc-1132	75	19	&	&	CCONJ
ijtc-1132	75	20	sutinah	sutinah	PROPN
ijtc-1132	75	21	,	,	PUNCT
ijtc-1132	75	22	2019	2019	NUM
ijtc-1132	75	23	)	)	PUNCT
ijtc-1132	75	24	.	.	PUNCT
ijtc-1132	76	1	system	system	NOUN
ijtc-1132	76	2	quality	quality	NOUN
ijtc-1132	76	3	affects	affect	VERB
ijtc-1132	76	4	customer	customer	NOUN
ijtc-1132	76	5	happiness	happiness	NOUN
ijtc-1132	76	6	(	(	PUNCT
ijtc-1132	76	7	sebetci	sebetci	NOUN
ijtc-1132	76	8	,	,	PUNCT
ijtc-1132	76	9	2018	2018	NUM
ijtc-1132	76	10	)	)	PUNCT
ijtc-1132	76	11	.	.	PUNCT
ijtc-1132	77	1	in	in	ADP
ijtc-1132	77	2	line	line	NOUN
ijtc-1132	77	3	with	with	ADP
ijtc-1132	77	4	previous	previous	ADJ
ijtc-1132	77	5	research	research	NOUN
ijtc-1132	77	6	,	,	PUNCT
ijtc-1132	77	7	the	the	DET
ijtc-1132	77	8	following	follow	VERB
ijtc-1132	77	9	hypotheses	hypothesis	NOUN
ijtc-1132	77	10	are	be	AUX
ijtc-1132	77	11	proposed	propose	VERB
ijtc-1132	77	12	:	:	PUNCT
ijtc-1132	77	13	h6	h6	NOUN
ijtc-1132	77	14	:	:	PUNCT
ijtc-1132	77	15	system	system	NOUN
ijtc-1132	77	16	quality	quality	NOUN
ijtc-1132	77	17	positively	positively	ADV
ijtc-1132	77	18	affects	affect	VERB
ijtc-1132	77	19	the	the	DET
ijtc-1132	77	20	adoption	adoption	NOUN
ijtc-1132	77	21	of	of	ADP
ijtc-1132	77	22	cross	cross	ADJ
ijtc-1132	77	23	-	-	NOUN
ijtc-1132	77	24	generation	generation	ADJ
ijtc-1132	77	25	e	e	NOUN
ijtc-1132	77	26	-	-	NOUN
ijtc-1132	77	27	wallet	wallet	NOUN
ijtc-1132	77	28	in	in	ADP
ijtc-1132	77	29	indonesia	indonesia	PROPN
ijtc-1132	77	30	method	method	VERB
ijtc-1132	77	31	this	this	DET
ijtc-1132	77	32	research	research	NOUN
ijtc-1132	77	33	uses	use	VERB
ijtc-1132	77	34	a	a	DET
ijtc-1132	77	35	quantitative	quantitative	ADJ
ijtc-1132	77	36	approach	approach	NOUN
ijtc-1132	77	37	involving	involve	VERB
ijtc-1132	77	38	primary	primary	ADJ
ijtc-1132	77	39	data	datum	NOUN
ijtc-1132	77	40	analysis	analysis	NOUN
ijtc-1132	77	41	accompanied	accompany	VERB
ijtc-1132	77	42	by	by	ADP
ijtc-1132	77	43	multiple	multiple	ADJ
ijtc-1132	77	44	linear	linear	ADJ
ijtc-1132	77	45	regression	regression	NOUN
ijtc-1132	77	46	tests	test	NOUN
ijtc-1132	77	47	using	use	VERB
ijtc-1132	77	48	the	the	DET
ijtc-1132	77	49	sem	sem	NOUN
ijtc-1132	77	50	-	-	PUNCT
ijtc-1132	77	51	pls	pls	ADJ
ijtc-1132	77	52	3.3.5	3.3.5	NUM
ijtc-1132	77	53	analysis	analysis	NOUN
ijtc-1132	77	54	tool	tool	NOUN
ijtc-1132	77	55	.	.	PUNCT
ijtc-1132	78	1	using	use	VERB
ijtc-1132	78	2	a	a	DET
ijtc-1132	78	3	quantitative	quantitative	ADJ
ijtc-1132	78	4	approach	approach	NOUN
ijtc-1132	78	5	,	,	PUNCT
ijtc-1132	78	6	this	this	DET
ijtc-1132	78	7	research	research	NOUN
ijtc-1132	78	8	investigates	investigate	VERB
ijtc-1132	78	9	the	the	DET
ijtc-1132	78	10	factors	factor	NOUN
ijtc-1132	78	11	that	that	PRON
ijtc-1132	78	12	influence	influence	VERB
ijtc-1132	78	13	the	the	DET
ijtc-1132	78	14	adoption	adoption	NOUN
ijtc-1132	78	15	of	of	ADP
ijtc-1132	78	16	mobile	mobile	ADJ
ijtc-1132	78	17	e	e	NOUN
ijtc-1132	78	18	-	-	NOUN
ijtc-1132	78	19	wallets	wallet	NOUN
ijtc-1132	78	20	across	across	ADP
ijtc-1132	78	21	generations	generation	NOUN
ijtc-1132	78	22	in	in	ADP
ijtc-1132	78	23	indonesia	indonesia	PROPN
ijtc-1132	78	24	,	,	PUNCT
ijtc-1132	78	25	with	with	ADP
ijtc-1132	78	26	a	a	DET
ijtc-1132	78	27	special	special	ADJ
ijtc-1132	78	28	emphasis	emphasis	NOUN
ijtc-1132	78	29	on	on	ADP
ijtc-1132	78	30	generations	generation	NOUN
ijtc-1132	78	31	x	x	NOUN
ijtc-1132	78	32	,	,	PUNCT
ijtc-1132	78	33	millennials	millennial	NOUN
ijtc-1132	78	34	and	and	CCONJ
ijtc-1132	78	35	z.	z.	PROPN
ijtc-1132	78	36	this	this	DET
ijtc-1132	78	37	research	research	NOUN
ijtc-1132	78	38	aims	aim	VERB
ijtc-1132	78	39	to	to	PART
ijtc-1132	78	40	find	find	VERB
ijtc-1132	78	41	out	out	ADP
ijtc-1132	78	42	what	what	PRON
ijtc-1132	78	43	factors	factor	NOUN
ijtc-1132	78	44	influence	influence	VERB
ijtc-1132	78	45	the	the	DET
ijtc-1132	78	46	adoption	adoption	NOUN
ijtc-1132	78	47	of	of	ADP
ijtc-1132	78	48	mobile	mobile	ADJ
ijtc-1132	78	49	e	e	NOUN
ijtc-1132	78	50	-	-	NOUN
ijtc-1132	78	51	wallets	wallet	NOUN
ijtc-1132	78	52	across	across	ADP
ijtc-1132	78	53	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	78	54	the	the	DET
ijtc-1132	78	55	determinants	determinant	NOUN
ijtc-1132	78	56	of	of	ADP
ijtc-1132	78	57	mobile	mobile	ADJ
ijtc-1132	78	58	e	e	NOUN
ijtc-1132	78	59	-	-	NOUN
ijtc-1132	78	60	wallet	wallet	NOUN
ijtc-1132	78	61	adoption	adoption	NOUN
ijtc-1132	78	62	across	across	ADP
ijtc-1132	78	63	generation	generation	NOUN
ijtc-1132	78	64	,	,	PUNCT
ijtc-1132	79	1	a	a	DET
ijtc-1132	79	2	lesson	lesson	NOUN
ijtc-1132	79	3	learned	learn	VERB
ijtc-1132	79	4	from	from	ADP
ijtc-1132	79	5	indonesia	indonesia	PROPN
ijtc-1132	79	6	arini	arini	PROPN
ijtc-1132	79	7	,	,	PUNCT
ijtc-1132	79	8	lestari	lestari	NOUN
ijtc-1132	79	9	and	and	CCONJ
ijtc-1132	79	10	hanani	hanani	ADJ
ijtc-1132	79	11	492	492	NUM
ijtc-1132	79	12	|	|	ADV
ijtc-1132	79	13	ilomata	ilomata	PROPN
ijtc-1132	79	14	international	international	ADJ
ijtc-1132	79	15	journal	journal	NOUN
ijtc-1132	79	16	of	of	ADP
ijtc-1132	79	17	tax	tax	PROPN
ijtc-1132	79	18	&	&	CCONJ
ijtc-1132	79	19	accounting	account	VERB
ijtc-1132	79	20	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1132	79	21	generations	generation	NOUN
ijtc-1132	79	22	.	.	PUNCT
ijtc-1132	80	1	this	this	PRON
ijtc-1132	80	2	is	be	AUX
ijtc-1132	80	3	an	an	DET
ijtc-1132	80	4	examination	examination	NOUN
ijtc-1132	80	5	of	of	ADP
ijtc-1132	80	6	the	the	DET
ijtc-1132	80	7	factors	factor	NOUN
ijtc-1132	80	8	that	that	PRON
ijtc-1132	80	9	influence	influence	VERB
ijtc-1132	80	10	the	the	DET
ijtc-1132	80	11	adoption	adoption	NOUN
ijtc-1132	80	12	of	of	ADP
ijtc-1132	80	13	mobile	mobile	ADJ
ijtc-1132	80	14	e	e	NOUN
ijtc-1132	80	15	-	-	NOUN
ijtc-1132	80	16	wallets	wallet	NOUN
ijtc-1132	80	17	across	across	ADP
ijtc-1132	80	18	generations	generation	NOUN
ijtc-1132	80	19	in	in	ADP
ijtc-1132	80	20	indonesia	indonesia	PROPN
ijtc-1132	80	21	.	.	PUNCT
ijtc-1132	81	1	this	this	DET
ijtc-1132	81	2	study	study	NOUN
ijtc-1132	81	3	uses	use	VERB
ijtc-1132	81	4	primary	primary	ADJ
ijtc-1132	81	5	data	datum	NOUN
ijtc-1132	81	6	obtained	obtain	VERB
ijtc-1132	81	7	from	from	ADP
ijtc-1132	81	8	the	the	DET
ijtc-1132	81	9	results	result	NOUN
ijtc-1132	81	10	of	of	ADP
ijtc-1132	81	11	questionnaires	questionnaire	NOUN
ijtc-1132	81	12	distributed	distribute	VERB
ijtc-1132	81	13	online	online	ADV
ijtc-1132	81	14	to	to	ADP
ijtc-1132	81	15	respondents	respondent	NOUN
ijtc-1132	81	16	in	in	ADP
ijtc-1132	81	17	west	west	PROPN
ijtc-1132	81	18	nusa	nusa	PROPN
ijtc-1132	81	19	tenggara	tenggara	PROPN
ijtc-1132	81	20	province	province	PROPN
ijtc-1132	81	21	.	.	PUNCT
ijtc-1132	82	1	the	the	DET
ijtc-1132	82	2	population	population	NOUN
ijtc-1132	82	3	in	in	ADP
ijtc-1132	82	4	this	this	DET
ijtc-1132	82	5	study	study	NOUN
ijtc-1132	82	6	are	be	AUX
ijtc-1132	82	7	generation	generation	NOUN
ijtc-1132	82	8	x	x	NOUN
ijtc-1132	82	9	,	,	PUNCT
ijtc-1132	82	10	millennial	millennial	ADJ
ijtc-1132	82	11	generation	generation	NOUN
ijtc-1132	82	12	and	and	CCONJ
ijtc-1132	82	13	generation	generation	NOUN
ijtc-1132	82	14	z	z	NOUN
ijtc-1132	82	15	in	in	ADP
ijtc-1132	82	16	west	west	PROPN
ijtc-1132	82	17	nusa	nusa	PROPN
ijtc-1132	82	18	tenggara	tenggara	PROPN
ijtc-1132	82	19	province	province	PROPN
ijtc-1132	82	20	who	who	PRON
ijtc-1132	82	21	use	use	VERB
ijtc-1132	82	22	e	e	NOUN
ijtc-1132	82	23	-	-	NOUN
ijtc-1132	82	24	wallets	wallet	NOUN
ijtc-1132	82	25	.	.	PUNCT
ijtc-1132	83	1	the	the	DET
ijtc-1132	83	2	research	research	NOUN
ijtc-1132	83	3	sample	sample	NOUN
ijtc-1132	83	4	consisted	consist	VERB
ijtc-1132	83	5	of	of	ADP
ijtc-1132	83	6	200	200	NUM
ijtc-1132	83	7	respondents	respondent	NOUN
ijtc-1132	83	8	.	.	PUNCT
ijtc-1132	84	1	the	the	DET
ijtc-1132	84	2	sample	sample	NOUN
ijtc-1132	84	3	technique	technique	NOUN
ijtc-1132	84	4	used	use	VERB
ijtc-1132	84	5	is	be	AUX
ijtc-1132	84	6	purposive	purposive	ADJ
ijtc-1132	84	7	sumpling	sumple	VERB
ijtc-1132	84	8	,	,	PUNCT
ijtc-1132	84	9	and	and	CCONJ
ijtc-1132	84	10	is	be	AUX
ijtc-1132	84	11	determined	determine	VERB
ijtc-1132	84	12	by	by	ADP
ijtc-1132	84	13	the	the	DET
ijtc-1132	84	14	following	follow	VERB
ijtc-1132	84	15	criteria	criterion	NOUN
ijtc-1132	84	16	:	:	PUNCT
ijtc-1132	84	17	(	(	PUNCT
ijtc-1132	84	18	1	1	X
ijtc-1132	84	19	)	)	PUNCT
ijtc-1132	84	20	generation	generation	NOUN
ijtc-1132	84	21	x	x	NOUN
ijtc-1132	84	22	,	,	PUNCT
ijtc-1132	84	23	millennial	millennial	ADJ
ijtc-1132	84	24	generation	generation	NOUN
ijtc-1132	84	25	and	and	CCONJ
ijtc-1132	84	26	generation	generation	NOUN
ijtc-1132	84	27	z	z	NOUN
ijtc-1132	84	28	in	in	ADP
ijtc-1132	84	29	west	west	PROPN
ijtc-1132	84	30	nusa	nusa	PROPN
ijtc-1132	84	31	tenggara	tenggara	PROPN
ijtc-1132	84	32	province	province	PROPN
ijtc-1132	84	33	,	,	PUNCT
ijtc-1132	84	34	(	(	PUNCT
ijtc-1132	84	35	2	2	X
ijtc-1132	84	36	)	)	PUNCT
ijtc-1132	84	37	using	use	VERB
ijtc-1132	84	38	a	a	DET
ijtc-1132	84	39	digital	digital	ADJ
ijtc-1132	84	40	wallet	wallet	NOUN
ijtc-1132	84	41	(	(	PUNCT
ijtc-1132	84	42	e	e	NOUN
ijtc-1132	84	43	-	-	NOUN
ijtc-1132	84	44	wallet	wallet	NOUN
ijtc-1132	84	45	)	)	PUNCT
ijtc-1132	84	46	as	as	ADP
ijtc-1132	84	47	a	a	DET
ijtc-1132	84	48	payment	payment	NOUN
ijtc-1132	84	49	method	method	NOUN
ijtc-1132	84	50	.	.	PUNCT
ijtc-1132	85	1	the	the	DET
ijtc-1132	85	2	data	data	NOUN
ijtc-1132	85	3	analysis	analysis	NOUN
ijtc-1132	85	4	method	method	NOUN
ijtc-1132	85	5	used	use	VERB
ijtc-1132	85	6	is	be	AUX
ijtc-1132	85	7	a	a	DET
ijtc-1132	85	8	multiple	multiple	ADJ
ijtc-1132	85	9	linear	linear	ADJ
ijtc-1132	85	10	regression	regression	NOUN
ijtc-1132	85	11	test	test	NOUN
ijtc-1132	85	12	to	to	PART
ijtc-1132	85	13	see	see	VERB
ijtc-1132	85	14	the	the	DET
ijtc-1132	85	15	effect	effect	NOUN
ijtc-1132	85	16	of	of	ADP
ijtc-1132	85	17	mobile	mobile	ADJ
ijtc-1132	85	18	ewallet	ewallet	ADJ
ijtc-1132	85	19	adoption	adoption	NOUN
ijtc-1132	85	20	on	on	ADP
ijtc-1132	85	21	each	each	DET
ijtc-1132	85	22	variable	variable	NOUN
ijtc-1132	85	23	through	through	ADP
ijtc-1132	85	24	validity	validity	NOUN
ijtc-1132	85	25	tests	test	NOUN
ijtc-1132	85	26	,	,	PUNCT
ijtc-1132	85	27	reliability	reliability	NOUN
ijtc-1132	85	28	tests	test	NOUN
ijtc-1132	85	29	,	,	PUNCT
ijtc-1132	85	30	and	and	CCONJ
ijtc-1132	85	31	goodness	goodness	NOUN
ijtc-1132	85	32	-	-	PUNCT
ijtc-1132	85	33	fit	fit	ADJ
ijtc-1132	85	34	model	model	NOUN
ijtc-1132	85	35	tests	test	NOUN
ijtc-1132	85	36	.	.	PUNCT
ijtc-1132	86	1	validity	validity	NOUN
ijtc-1132	86	2	test	test	NOUN
ijtc-1132	86	3	employed	employ	VERB
ijtc-1132	86	4	in	in	ADP
ijtc-1132	86	5	this	this	DET
ijtc-1132	86	6	study	study	NOUN
ijtc-1132	86	7	by	by	ADP
ijtc-1132	86	8	convergent	convergent	NOUN
ijtc-1132	86	9	validiity	validiity	NOUN
ijtc-1132	86	10	through	through	ADP
ijtc-1132	86	11	the	the	DET
ijtc-1132	86	12	cross	cross	NOUN
ijtc-1132	86	13	loading	loading	NOUN
ijtc-1132	86	14	and	and	CCONJ
ijtc-1132	86	15	average	average	ADJ
ijtc-1132	86	16	variance	variance	NOUN
ijtc-1132	86	17	extracted	extract	VERB
ijtc-1132	86	18	(	(	PUNCT
ijtc-1132	86	19	ave	ave	PROPN
ijtc-1132	86	20	)	)	PUNCT
ijtc-1132	86	21	.	.	PUNCT
ijtc-1132	87	1	convergent	convergent	NOUN
ijtc-1132	87	2	validity	validity	NOUN
ijtc-1132	87	3	is	be	AUX
ijtc-1132	87	4	conducted	conduct	VERB
ijtc-1132	87	5	to	to	PART
ijtc-1132	87	6	reveals	reveal	VERB
ijtc-1132	87	7	how	how	SCONJ
ijtc-1132	87	8	an	an	DET
ijtc-1132	87	9	indicator	indicator	NOUN
ijtc-1132	87	10	correlates	correlate	VERB
ijtc-1132	87	11	positively	positively	ADV
ijtc-1132	87	12	with	with	ADP
ijtc-1132	87	13	another	another	DET
ijtc-1132	87	14	indicator	indicator	NOUN
ijtc-1132	87	15	of	of	ADP
ijtc-1132	87	16	the	the	DET
ijtc-1132	87	17	same	same	ADJ
ijtc-1132	87	18	construct	construct	NOUN
ijtc-1132	87	19	(	(	PUNCT
ijtc-1132	87	20	j.	j.	PROPN
ijtc-1132	87	21	f.	f.	PROPN
ijtc-1132	87	22	hair	hair	PROPN
ijtc-1132	87	23	et	et	PROPN
ijtc-1132	87	24	al	al	PROPN
ijtc-1132	87	25	.	.	PROPN
ijtc-1132	87	26	,	,	PUNCT
ijtc-1132	87	27	2017	2017	NUM
ijtc-1132	87	28	)	)	PUNCT
ijtc-1132	87	29	.	.	PUNCT
ijtc-1132	88	1	the	the	DET
ijtc-1132	88	2	ave	ave	PROPN
ijtc-1132	88	3	score	score	NOUN
ijtc-1132	88	4	requirements	requirement	NOUN
ijtc-1132	88	5	is	be	AUX
ijtc-1132	88	6	above	above	ADP
ijtc-1132	88	7	0.5	0.5	NUM
ijtc-1132	88	8	for	for	ADP
ijtc-1132	88	9	convergent	convergent	ADJ
ijtc-1132	88	10	validity	validity	NOUN
ijtc-1132	88	11	.	.	PUNCT
ijtc-1132	89	1	the	the	DET
ijtc-1132	89	2	assesment	assesment	NOUN
ijtc-1132	89	3	of	of	ADP
ijtc-1132	89	4	discriminant	discriminant	ADJ
ijtc-1132	89	5	validity	validity	NOUN
ijtc-1132	89	6	is	be	AUX
ijtc-1132	89	7	conducted	conduct	VERB
ijtc-1132	89	8	by	by	ADP
ijtc-1132	89	9	formell	formell	PROPN
ijtc-1132	89	10	an	an	DET
ijtc-1132	89	11	larcker	larcker	NOUN
ijtc-1132	89	12	criterion	criterion	NOUN
ijtc-1132	89	13	.	.	PUNCT
ijtc-1132	90	1	if	if	SCONJ
ijtc-1132	90	2	the	the	DET
ijtc-1132	90	3	square	square	ADJ
ijtc-1132	90	4	root	root	NOUN
ijtc-1132	90	5	of	of	ADP
ijtc-1132	90	6	ave	ave	NOUN
ijtc-1132	90	7	score	score	NOUN
ijtc-1132	90	8	is	be	AUX
ijtc-1132	90	9	bigger	big	ADJ
ijtc-1132	90	10	than	than	ADP
ijtc-1132	90	11	correlation	correlation	NOUN
ijtc-1132	90	12	value	value	NOUN
ijtc-1132	90	13	,	,	PUNCT
ijtc-1132	90	14	it	it	PRON
ijtc-1132	90	15	can	can	AUX
ijtc-1132	90	16	be	be	AUX
ijtc-1132	90	17	concluded	conclude	VERB
ijtc-1132	90	18	that	that	SCONJ
ijtc-1132	90	19	the	the	DET
ijtc-1132	90	20	instrument	instrument	NOUN
ijtc-1132	90	21	valid	valid	ADJ
ijtc-1132	90	22	enough	enough	ADV
ijtc-1132	90	23	.	.	PUNCT
ijtc-1132	91	1	result	result	NOUN
ijtc-1132	91	2	and	and	CCONJ
ijtc-1132	91	3	discussion	discussion	NOUN
ijtc-1132	91	4	the	the	DET
ijtc-1132	91	5	sample	sample	NOUN
ijtc-1132	91	6	consisted	consist	VERB
ijtc-1132	91	7	of	of	ADP
ijtc-1132	91	8	200	200	NUM
ijtc-1132	91	9	respondents	respondent	NOUN
ijtc-1132	91	10	.	.	PUNCT
ijtc-1132	92	1	as	as	ADP
ijtc-1132	92	2	table	table	NOUN
ijtc-1132	92	3	1	1	NUM
ijtc-1132	92	4	shows	show	NOUN
ijtc-1132	92	5	,	,	PUNCT
ijtc-1132	92	6	males	male	NOUN
ijtc-1132	92	7	accounted	account	VERB
ijtc-1132	92	8	for	for	ADP
ijtc-1132	92	9	27	27	NUM
ijtc-1132	92	10	%	%	NOUN
ijtc-1132	92	11	of	of	ADP
ijtc-1132	92	12	the	the	DET
ijtc-1132	92	13	eligible	eligible	ADJ
ijtc-1132	92	14	respondents	respondent	NOUN
ijtc-1132	92	15	,	,	PUNCT
ijtc-1132	92	16	while	while	SCONJ
ijtc-1132	92	17	females	female	NOUN
ijtc-1132	92	18	accounted	account	VERB
ijtc-1132	92	19	for	for	ADP
ijtc-1132	92	20	73	73	NUM
ijtc-1132	92	21	%	%	NOUN
ijtc-1132	92	22	.	.	PUNCT
ijtc-1132	93	1	most	most	ADJ
ijtc-1132	93	2	respondents	respondent	NOUN
ijtc-1132	93	3	(	(	PUNCT
ijtc-1132	93	4	55	55	NUM
ijtc-1132	93	5	%	%	NOUN
ijtc-1132	93	6	)	)	PUNCT
ijtc-1132	93	7	were	be	AUX
ijtc-1132	93	8	between	between	ADP
ijtc-1132	93	9	21	21	NUM
ijtc-1132	93	10	and	and	CCONJ
ijtc-1132	93	11	30	30	NUM
ijtc-1132	93	12	years	year	NOUN
ijtc-1132	93	13	old	old	ADJ
ijtc-1132	93	14	.	.	PUNCT
ijtc-1132	94	1	the	the	DET
ijtc-1132	94	2	sample	sample	NOUN
ijtc-1132	94	3	was	be	AUX
ijtc-1132	94	4	dominated	dominate	VERB
ijtc-1132	94	5	by	by	ADP
ijtc-1132	94	6	university	university	NOUN
ijtc-1132	94	7	students	student	NOUN
ijtc-1132	94	8	(	(	PUNCT
ijtc-1132	94	9	72	72	NUM
ijtc-1132	94	10	%	%	NOUN
ijtc-1132	94	11	)	)	PUNCT
ijtc-1132	94	12	.	.	PUNCT
ijtc-1132	95	1	table	table	NOUN
ijtc-1132	96	1	1	1	NUM
ijtc-1132	96	2	.	.	PUNCT
ijtc-1132	96	3	demographic	demographic	ADJ
ijtc-1132	96	4	profile	profile	NOUN
ijtc-1132	96	5	of	of	ADP
ijtc-1132	96	6	respondents	respondent	NOUN
ijtc-1132	96	7	variable	variable	ADJ
ijtc-1132	96	8	n	n	CCONJ
ijtc-1132	96	9	(	(	PUNCT
ijtc-1132	96	10	%	%	INTJ
ijtc-1132	96	11	)	)	PUNCT
ijtc-1132	96	12	gender	gender	NOUN
ijtc-1132	96	13	male	male	NOUN
ijtc-1132	96	14	54	54	NUM
ijtc-1132	96	15	(	(	PUNCT
ijtc-1132	96	16	27	27	NUM
ijtc-1132	96	17	%	%	NOUN
ijtc-1132	96	18	)	)	PUNCT
ijtc-1132	96	19	female	female	NOUN
ijtc-1132	96	20	146	146	NUM
ijtc-1132	96	21	(	(	PUNCT
ijtc-1132	96	22	73	73	NUM
ijtc-1132	96	23	%	%	NOUN
ijtc-1132	96	24	)	)	PUNCT
ijtc-1132	96	25	age	age	NOUN
ijtc-1132	96	26	14	14	NUM
ijtc-1132	96	27	-	-	SYM
ijtc-1132	96	28	20	20	NUM
ijtc-1132	96	29	81	81	NUM
ijtc-1132	96	30	(	(	PUNCT
ijtc-1132	96	31	40,5	40,5	NUM
ijtc-1132	96	32	%	%	NOUN
ijtc-1132	96	33	)	)	PUNCT
ijtc-1132	96	34	21	21	NUM
ijtc-1132	96	35	-	-	SYM
ijtc-1132	96	36	30	30	NUM
ijtc-1132	96	37	110	110	NUM
ijtc-1132	96	38	(	(	PUNCT
ijtc-1132	96	39	55	55	NUM
ijtc-1132	96	40	%	%	NOUN
ijtc-1132	96	41	)	)	PUNCT
ijtc-1132	96	42	31	31	NUM
ijtc-1132	96	43	-	-	SYM
ijtc-1132	96	44	40	40	NUM
ijtc-1132	96	45	6	6	NUM
ijtc-1132	96	46	(	(	PUNCT
ijtc-1132	96	47	3	3	NUM
ijtc-1132	96	48	%	%	NOUN
ijtc-1132	96	49	)	)	PUNCT
ijtc-1132	96	50	41	41	NUM
ijtc-1132	96	51	-	-	SYM
ijtc-1132	96	52	50	50	NUM
ijtc-1132	96	53	2	2	NUM
ijtc-1132	96	54	(	(	PUNCT
ijtc-1132	96	55	1	1	NUM
ijtc-1132	96	56	%	%	NOUN
ijtc-1132	96	57	)	)	PUNCT
ijtc-1132	96	58	51	51	NUM
ijtc-1132	96	59	-	-	SYM
ijtc-1132	96	60	60	60	NUM
ijtc-1132	96	61	1	1	NUM
ijtc-1132	96	62	(	(	PUNCT
ijtc-1132	96	63	0,5	0,5	NUM
ijtc-1132	96	64	%	%	NOUN
ijtc-1132	96	65	)	)	PUNCT
ijtc-1132	96	66	education	education	NOUN
ijtc-1132	96	67	level	level	NOUN
ijtc-1132	96	68	smp	smp	PROPN
ijtc-1132	96	69	/	/	SYM
ijtc-1132	96	70	mts	mts	NOUN
ijtc-1132	96	71	6	6	NUM
ijtc-1132	96	72	(	(	PUNCT
ijtc-1132	96	73	3	3	NUM
ijtc-1132	96	74	%	%	NOUN
ijtc-1132	96	75	)	)	PUNCT
ijtc-1132	96	76	high	high	ADJ
ijtc-1132	96	77	school	school	NOUN
ijtc-1132	96	78	/	/	SYM
ijtc-1132	96	79	smk	smk	PROPN
ijtc-1132	96	80	/	/	SYM
ijtc-1132	96	81	ma	ma	PROPN
ijtc-1132	96	82	24	24	NUM
ijtc-1132	96	83	(	(	PUNCT
ijtc-1132	96	84	12	12	NUM
ijtc-1132	96	85	%	%	NOUN
ijtc-1132	96	86	)	)	PUNCT
ijtc-1132	96	87	bachelor	bachelor	NOUN
ijtc-1132	96	88	144	144	NUM
ijtc-1132	96	89	(	(	PUNCT
ijtc-1132	96	90	72	72	NUM
ijtc-1132	96	91	%	%	NOUN
ijtc-1132	96	92	)	)	PUNCT
ijtc-1132	96	93	master	master	NOUN
ijtc-1132	96	94	1	1	NUM
ijtc-1132	96	95	(	(	PUNCT
ijtc-1132	96	96	0,5	0,5	NUM
ijtc-1132	96	97	%	%	NOUN
ijtc-1132	96	98	)	)	PUNCT
ijtc-1132	96	99	others	other	NOUN
ijtc-1132	96	100	25	25	NUM
ijtc-1132	96	101	(	(	PUNCT
ijtc-1132	96	102	12,5	12,5	NUM
ijtc-1132	96	103	%	%	NOUN
ijtc-1132	96	104	)	)	PUNCT
ijtc-1132	97	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1132	97	2	the	the	DET
ijtc-1132	97	3	determinants	determinant	NOUN
ijtc-1132	97	4	of	of	ADP
ijtc-1132	97	5	mobile	mobile	ADJ
ijtc-1132	97	6	e	e	NOUN
ijtc-1132	97	7	-	-	NOUN
ijtc-1132	97	8	wallet	wallet	NOUN
ijtc-1132	97	9	adoption	adoption	NOUN
ijtc-1132	97	10	across	across	ADP
ijtc-1132	97	11	generation	generation	NOUN
ijtc-1132	97	12	,	,	PUNCT
ijtc-1132	97	13	a	a	DET
ijtc-1132	97	14	lesson	lesson	NOUN
ijtc-1132	97	15	learned	learn	VERB
ijtc-1132	97	16	from	from	ADP
ijtc-1132	97	17	indonesia	indonesia	PROPN
ijtc-1132	97	18	arini	arini	PROPN
ijtc-1132	97	19	,	,	PUNCT
ijtc-1132	97	20	lestari	lestari	NOUN
ijtc-1132	97	21	and	and	CCONJ
ijtc-1132	97	22	hanani	hanani	NOUN
ijtc-1132	97	23	493	493	NUM
ijtc-1132	97	24	|	|	ADV
ijtc-1132	97	25	ilomata	ilomata	PROPN
ijtc-1132	97	26	international	international	ADJ
ijtc-1132	97	27	journal	journal	NOUN
ijtc-1132	97	28	of	of	ADP
ijtc-1132	97	29	tax	tax	PROPN
ijtc-1132	97	30	&	&	CCONJ
ijtc-1132	97	31	accounting	account	VERB
ijtc-1132	97	32	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	97	33	the	the	DET
ijtc-1132	97	34	theoretical	theoretical	ADJ
ijtc-1132	97	35	framework	framework	NOUN
ijtc-1132	97	36	was	be	AUX
ijtc-1132	97	37	examined	examine	VERB
ijtc-1132	97	38	using	use	VERB
ijtc-1132	97	39	pls	pls	NOUN
ijtc-1132	97	40	-	-	PUNCT
ijtc-1132	97	41	sem	sem	NOUN
ijtc-1132	97	42	(	(	PUNCT
ijtc-1132	97	43	partial	partial	ADJ
ijtc-1132	97	44	least	least	ADJ
ijtc-1132	97	45	squares	square	NOUN
ijtc-1132	97	46	structural	structural	ADJ
ijtc-1132	97	47	equation	equation	NOUN
ijtc-1132	97	48	modeling	modeling	NOUN
ijtc-1132	97	49	)	)	PUNCT
ijtc-1132	97	50	software	software	NOUN
ijtc-1132	97	51	from	from	ADP
ijtc-1132	97	52	smartpls	smartpls	PROPN
ijtc-1132	97	53	3.3.5	3.3.5	NUM
ijtc-1132	97	54	.	.	PUNCT
ijtc-1132	98	1	pls	pls	NOUN
ijtc-1132	98	2	-	-	PUNCT
ijtc-1132	98	3	sem	sem	NOUN
ijtc-1132	98	4	(	(	PUNCT
ijtc-1132	98	5	variance	variance	NOUN
ijtc-1132	98	6	-	-	PUNCT
ijtc-1132	98	7	based	base	VERB
ijtc-1132	98	8	sem	sem	NOUN
ijtc-1132	98	9	)	)	PUNCT
ijtc-1132	98	10	is	be	AUX
ijtc-1132	98	11	a	a	DET
ijtc-1132	98	12	causal	causal	ADJ
ijtc-1132	98	13	modeling	modeling	NOUN
ijtc-1132	98	14	technique	technique	NOUN
ijtc-1132	98	15	that	that	PRON
ijtc-1132	98	16	focuses	focus	VERB
ijtc-1132	98	17	on	on	ADP
ijtc-1132	98	18	maximizing	maximize	VERB
ijtc-1132	98	19	the	the	DET
ijtc-1132	98	20	variation	variation	NOUN
ijtc-1132	98	21	of	of	ADP
ijtc-1132	98	22	the	the	DET
ijtc-1132	98	23	dependent	dependent	ADJ
ijtc-1132	98	24	latent	latent	NOUN
ijtc-1132	98	25	constructs	construct	NOUN
ijtc-1132	98	26	explained	explain	VERB
ijtc-1132	98	27	by	by	ADP
ijtc-1132	98	28	the	the	DET
ijtc-1132	98	29	independent	independent	ADJ
ijtc-1132	98	30	variables	variable	NOUN
ijtc-1132	98	31	.	.	PUNCT
ijtc-1132	99	1	the	the	DET
ijtc-1132	99	2	reason	reason	NOUN
ijtc-1132	99	3	why	why	SCONJ
ijtc-1132	99	4	this	this	DET
ijtc-1132	99	5	study	study	NOUN
ijtc-1132	99	6	uses	use	VERB
ijtc-1132	99	7	pls	pls	NOUN
ijtc-1132	99	8	-	-	PUNCT
ijtc-1132	99	9	sem	sem	NOUN
ijtc-1132	99	10	is	be	AUX
ijtc-1132	99	11	because	because	SCONJ
ijtc-1132	99	12	it	it	PRON
ijtc-1132	99	13	is	be	AUX
ijtc-1132	99	14	examining	examine	VERB
ijtc-1132	99	15	the	the	DET
ijtc-1132	99	16	factors	factor	NOUN
ijtc-1132	99	17	that	that	PRON
ijtc-1132	99	18	affect	affect	VERB
ijtc-1132	99	19	mobile	mobile	ADJ
ijtc-1132	99	20	wallet	wallet	NOUN
ijtc-1132	99	21	adoption	adoption	NOUN
ijtc-1132	99	22	rather	rather	ADV
ijtc-1132	99	23	than	than	ADP
ijtc-1132	99	24	confirming	confirm	VERB
ijtc-1132	99	25	its	its	PRON
ijtc-1132	99	26	adoption	adoption	NOUN
ijtc-1132	99	27	.	.	PUNCT
ijtc-1132	100	1	pls	pls	INTJ
ijtc-1132	100	2	-	-	PUNCT
ijtc-1132	100	3	sem	sem	NOUN
ijtc-1132	100	4	offer	offer	VERB
ijtc-1132	100	5	more	more	ADV
ijtc-1132	100	6	appropriate	appropriate	ADJ
ijtc-1132	100	7	technique	technique	NOUN
ijtc-1132	100	8	for	for	ADP
ijtc-1132	100	9	such	such	DET
ijtc-1132	100	10	a	a	DET
ijtc-1132	100	11	situation	situation	NOUN
ijtc-1132	100	12	.	.	PUNCT
ijtc-1132	101	1	the	the	DET
ijtc-1132	101	2	validity	validity	NOUN
ijtc-1132	101	3	test	test	NOUN
ijtc-1132	101	4	was	be	AUX
ijtc-1132	101	5	conducted	conduct	VERB
ijtc-1132	101	6	by	by	ADP
ijtc-1132	101	7	distributing	distribute	VERB
ijtc-1132	101	8	the	the	DET
ijtc-1132	101	9	questionnaire	questionnaire	NOUN
ijtc-1132	101	10	to	to	ADP
ijtc-1132	101	11	200	200	NUM
ijtc-1132	101	12	respondents	respondent	NOUN
ijtc-1132	101	13	.	.	PUNCT
ijtc-1132	102	1	the	the	DET
ijtc-1132	102	2	questionnaire	questionnaire	NOUN
ijtc-1132	102	3	consists	consist	VERB
ijtc-1132	102	4	of	of	ADP
ijtc-1132	102	5	twenty	twenty	NUM
ijtc-1132	102	6	-	-	PUNCT
ijtc-1132	102	7	six	six	NUM
ijtc-1132	102	8	(	(	PUNCT
ijtc-1132	102	9	26	26	NUM
ijtc-1132	102	10	)	)	PUNCT
ijtc-1132	102	11	question	question	NOUN
ijtc-1132	102	12	items	item	NOUN
ijtc-1132	102	13	and	and	CCONJ
ijtc-1132	102	14	the	the	DET
ijtc-1132	102	15	data	datum	NOUN
ijtc-1132	102	16	obtained	obtain	VERB
ijtc-1132	102	17	will	will	AUX
ijtc-1132	102	18	be	be	AUX
ijtc-1132	102	19	processed	process	VERB
ijtc-1132	102	20	on	on	ADP
ijtc-1132	102	21	an	an	DET
ijtc-1132	102	22	ordinal	ordinal	ADJ
ijtc-1132	102	23	scale	scale	NOUN
ijtc-1132	102	24	.	.	PUNCT
ijtc-1132	103	1	the	the	DET
ijtc-1132	103	2	result	result	NOUN
ijtc-1132	103	3	is	be	AUX
ijtc-1132	103	4	as	as	SCONJ
ijtc-1132	103	5	follows	follow	VERB
ijtc-1132	103	6	:	:	PUNCT
ijtc-1132	103	7	first	first	ADV
ijtc-1132	103	8	,	,	PUNCT
ijtc-1132	103	9	convergence	convergence	NOUN
ijtc-1132	103	10	validity	validity	NOUN
ijtc-1132	103	11	can	can	AUX
ijtc-1132	103	12	be	be	AUX
ijtc-1132	103	13	seen	see	VERB
ijtc-1132	103	14	from	from	ADP
ijtc-1132	103	15	average	average	ADJ
ijtc-1132	103	16	variance	variance	NOUN
ijtc-1132	103	17	extracted	extract	VERB
ijtc-1132	103	18	(	(	PUNCT
ijtc-1132	103	19	ave	ave	NOUN
ijtc-1132	103	20	)	)	PUNCT
ijtc-1132	103	21	and	and	CCONJ
ijtc-1132	103	22	cross	cross	NOUN
ijtc-1132	103	23	loading	loading	NOUN
ijtc-1132	103	24	values	value	NOUN
ijtc-1132	103	25	(	(	PUNCT
ijtc-1132	103	26	j.	j.	PROPN
ijtc-1132	103	27	hair	hair	PROPN
ijtc-1132	103	28	et	et	PROPN
ijtc-1132	103	29	al	al	PROPN
ijtc-1132	103	30	.	.	PROPN
ijtc-1132	103	31	,	,	PUNCT
ijtc-1132	103	32	2017	2017	NUM
ijtc-1132	103	33	)	)	PUNCT
ijtc-1132	103	34	.	.	PUNCT
ijtc-1132	104	1	table	table	NOUN
ijtc-1132	104	2	1	1	NUM
ijtc-1132	104	3	shows	show	VERB
ijtc-1132	104	4	the	the	DET
ijtc-1132	104	5	cross	cross	NOUN
ijtc-1132	104	6	loading	loading	NOUN
ijtc-1132	104	7	outcome	outcome	NOUN
ijtc-1132	104	8	of	of	ADP
ijtc-1132	104	9	each	each	DET
ijtc-1132	104	10	variable	variable	NOUN
ijtc-1132	104	11	that	that	PRON
ijtc-1132	104	12	meets	meet	VERB
ijtc-1132	104	13	the	the	DET
ijtc-1132	104	14	criteria	criterion	NOUN
ijtc-1132	104	15	.	.	PUNCT
ijtc-1132	105	1	as	as	ADP
ijtc-1132	105	2	for	for	ADP
ijtc-1132	105	3	the	the	DET
ijtc-1132	105	4	smallest	small	ADJ
ijtc-1132	105	5	value	value	NOUN
ijtc-1132	105	6	indicated	indicate	VERB
ijtc-1132	105	7	on	on	ADP
ijtc-1132	105	8	the	the	DET
ijtc-1132	105	9	statement	statement	NOUN
ijtc-1132	105	10	item	item	NOUN
ijtc-1132	105	11	inqu3	inqu3	NOUN
ijtc-1132	105	12	(	(	PUNCT
ijtc-1132	105	13	information	information	NOUN
ijtc-1132	105	14	quality	quality	NOUN
ijtc-1132	105	15	)	)	PUNCT
ijtc-1132	105	16	is	be	AUX
ijtc-1132	105	17	0.613	0.613	NUM
ijtc-1132	105	18	and	and	CCONJ
ijtc-1132	105	19	is	be	AUX
ijtc-1132	105	20	still	still	ADV
ijtc-1132	105	21	considered	consider	VERB
ijtc-1132	105	22	sufficient	sufficient	ADJ
ijtc-1132	105	23	because	because	SCONJ
ijtc-1132	105	24	it	it	PRON
ijtc-1132	105	25	is	be	AUX
ijtc-1132	105	26	still	still	ADV
ijtc-1132	105	27	greater	great	ADJ
ijtc-1132	105	28	than	than	ADP
ijtc-1132	105	29	the	the	DET
ijtc-1132	105	30	minimum	minimum	NOUN
ijtc-1132	105	31	value	value	NOUN
ijtc-1132	105	32	is	be	AUX
ijtc-1132	105	33	0.60	0.60	NUM
ijtc-1132	105	34	.	.	PUNCT
ijtc-1132	106	1	it	it	PRON
ijtc-1132	106	2	's	be	AUX
ijtc-1132	106	3	in	in	ADP
ijtc-1132	106	4	line	line	NOUN
ijtc-1132	106	5	with	with	ADP
ijtc-1132	106	6	previous	previous	ADJ
ijtc-1132	106	7	research	research	NOUN
ijtc-1132	106	8	(	(	PUNCT
ijtc-1132	106	9	sha	sha	PROPN
ijtc-1132	106	10	et	et	PROPN
ijtc-1132	106	11	al	al	PROPN
ijtc-1132	106	12	.	.	PROPN
ijtc-1132	106	13	,	,	PUNCT
ijtc-1132	106	14	2017	2017	NUM
ijtc-1132	106	15	)	)	PUNCT
ijtc-1132	106	16	.	.	PUNCT
ijtc-1132	107	1	in	in	ADP
ijtc-1132	107	2	addition	addition	NOUN
ijtc-1132	107	3	,	,	PUNCT
ijtc-1132	107	4	the	the	DET
ijtc-1132	107	5	ave	ave	NOUN
ijtc-1132	107	6	value	value	NOUN
ijtc-1132	107	7	of	of	ADP
ijtc-1132	107	8	each	each	DET
ijtc-1132	107	9	variable	variable	NOUN
ijtc-1132	107	10	is	be	AUX
ijtc-1132	107	11	above	above	ADP
ijtc-1132	107	12	0.5	0.5	NUM
ijtc-1132	107	13	with	with	ADP
ijtc-1132	107	14	the	the	DET
ijtc-1132	107	15	smallest	small	ADJ
ijtc-1132	107	16	value	value	NOUN
ijtc-1132	107	17	found	find	VERB
ijtc-1132	107	18	on	on	ADP
ijtc-1132	107	19	the	the	DET
ijtc-1132	107	20	information	information	NOUN
ijtc-1132	107	21	quality	quality	NOUN
ijtc-1132	107	22	variable	variable	NOUN
ijtc-1132	107	23	being	be	AUX
ijtc-1132	107	24	0.567	0.567	NUM
ijtc-1132	107	25	.	.	PUNCT
ijtc-1132	108	1	finally	finally	ADV
ijtc-1132	108	2	,	,	PUNCT
ijtc-1132	108	3	it	it	PRON
ijtc-1132	108	4	can	can	AUX
ijtc-1132	108	5	be	be	AUX
ijtc-1132	108	6	concluded	conclude	VERB
ijtc-1132	108	7	that	that	SCONJ
ijtc-1132	108	8	overall	overall	ADJ
ijtc-1132	108	9	the	the	DET
ijtc-1132	108	10	variables	variable	NOUN
ijtc-1132	108	11	in	in	ADP
ijtc-1132	108	12	this	this	DET
ijtc-1132	108	13	study	study	NOUN
ijtc-1132	108	14	have	have	VERB
ijtc-1132	108	15	a	a	DET
ijtc-1132	108	16	good	good	ADJ
ijtc-1132	108	17	convergence	convergence	NOUN
ijtc-1132	108	18	validity	validity	NOUN
ijtc-1132	108	19	.	.	PUNCT
ijtc-1132	109	1	table	table	NOUN
ijtc-1132	109	2	2	2	NUM
ijtc-1132	109	3	.	.	X
ijtc-1132	109	4	cross	cross	NOUN
ijtc-1132	109	5	loading	loading	PROPN
ijtc-1132	109	6	,	,	PUNCT
ijtc-1132	109	7	ave	ave	PROPN
ijtc-1132	109	8	,	,	PUNCT
ijtc-1132	109	9	cronbach	cronbach	VERB
ijtc-1132	109	10	’s	’s	PART
ijtc-1132	110	1	alpha	alpha	NOUN
ijtc-1132	110	2	and	and	CCONJ
ijtc-1132	110	3	cr	cr	PROPN
ijtc-1132	110	4	values	value	NOUN
ijtc-1132	110	5	items	item	NOUN
ijtc-1132	110	6	loadings	loading	NOUN
ijtc-1132	110	7	ave	ave	AUX
ijtc-1132	110	8	cronbach	cronbach	PROPN
ijtc-1132	110	9	’s	’s	PART
ijtc-1132	110	10	alpha	alpha	ADJ
ijtc-1132	110	11	composite	composite	ADJ
ijtc-1132	110	12	reliability	reliability	NOUN
ijtc-1132	110	13	adoption	adoption	NOUN
ijtc-1132	110	14	adop1	adop1	PROPN
ijtc-1132	111	1	0.833	0.833	NUM
ijtc-1132	111	2	0.741	0.741	NUM
ijtc-1132	111	3	0.827	0.827	NUM
ijtc-1132	111	4	0.896	0.896	NUM
ijtc-1132	111	5	adop2	adop2	NOUN
ijtc-1132	111	6	0.872	0.872	NUM
ijtc-1132	111	7	adop3	adop3	NOUN
ijtc-1132	111	8	0.877	0.877	NUM
ijtc-1132	111	9	information	information	NOUN
ijtc-1132	111	10	quality	quality	NOUN
ijtc-1132	111	11	inqu1	inqu1	NOUN
ijtc-1132	111	12	0.771	0.771	NUM
ijtc-1132	111	13	0.567	0.567	NUM
ijtc-1132	112	1	0.868	0.868	NUM
ijtc-1132	112	2	0.865	0.865	NUM
ijtc-1132	112	3	inqu2	inqu2	NOUN
ijtc-1132	112	4	0.650	0.650	NUM
ijtc-1132	112	5	inqu3	inqu3	NOUN
ijtc-1132	112	6	0.617	0.617	NUM
ijtc-1132	112	7	inqu4	inqu4	PROPN
ijtc-1132	112	8	0.747	0.747	NUM
ijtc-1132	112	9	inqu5	inqu5	X
ijtc-1132	112	10	0.938	0.938	NUM
ijtc-1132	112	11	observability	observability	NOUN
ijtc-1132	112	12	obser1	obser1	NOUN
ijtc-1132	112	13	0.823	0.823	NUM
ijtc-1132	112	14	0.627	0.627	NUM
ijtc-1132	112	15	0.830	0.830	NUM
ijtc-1132	112	16	0.869	0.869	NUM
ijtc-1132	112	17	obser2	obser2	VERB
ijtc-1132	112	18	0.907	0.907	NUM
ijtc-1132	112	19	obser3	obser3	ADJ
ijtc-1132	112	20	0.763	0.763	NUM
ijtc-1132	112	21	obser4	obser4	NOUN
ijtc-1132	112	22	0.652	0.652	NUM
ijtc-1132	112	23	perceived	perceive	VERB
ijtc-1132	112	24	ease	ease	NOUN
ijtc-1132	112	25	of	of	ADP
ijtc-1132	112	26	use	use	NOUN
ijtc-1132	112	27	peou1	peou1	NOUN
ijtc-1132	112	28	0.915	0.915	NUM
ijtc-1132	112	29	0.828	0.828	NUM
ijtc-1132	112	30	0.792	0.792	NUM
ijtc-1132	112	31	0.906	0.906	NUM
ijtc-1132	112	32	peou2	peou2	NOUN
ijtc-1132	112	33	0.904	0.904	NUM
ijtc-1132	112	34	perceived	perceive	VERB
ijtc-1132	112	35	usefulness	usefulness	NOUN
ijtc-1132	112	36	peus1	peus1	NOUN
ijtc-1132	113	1	0.859	0.859	NUM
ijtc-1132	113	2	0.841	0.841	NUM
ijtc-1132	113	3	0.832	0.832	NUM
ijtc-1132	113	4	0.913	0.913	NUM
ijtc-1132	113	5	peus2	peus2	NOUN
ijtc-1132	113	6	0.971	0.971	NUM
ijtc-1132	113	7	relative	relative	ADJ
ijtc-1132	113	8	advantages	advantage	NOUN
ijtc-1132	113	9	read1	read1	VERB
ijtc-1132	113	10	0.924	0.924	NUM
ijtc-1132	113	11	0.694	0.694	NUM
ijtc-1132	113	12	0.900	0.900	NUM
ijtc-1132	113	13	0.918	0.918	NUM
ijtc-1132	113	14	read2	read2	NOUN
ijtc-1132	113	15	0.871	0.871	NUM
ijtc-1132	113	16	read3	read3	NOUN
ijtc-1132	113	17	0.904	0.904	NUM
ijtc-1132	113	18	read4	read4	NOUN
ijtc-1132	113	19	0.655	0.655	NUM
ijtc-1132	113	20	read5	read5	NOUN
ijtc-1132	113	21	0.782	0.782	NUM
ijtc-1132	113	22	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1132	113	23	the	the	DET
ijtc-1132	113	24	determinants	determinant	NOUN
ijtc-1132	113	25	of	of	ADP
ijtc-1132	113	26	mobile	mobile	ADJ
ijtc-1132	113	27	e	e	NOUN
ijtc-1132	113	28	-	-	NOUN
ijtc-1132	113	29	wallet	wallet	NOUN
ijtc-1132	113	30	adoption	adoption	NOUN
ijtc-1132	113	31	across	across	ADP
ijtc-1132	113	32	generation	generation	NOUN
ijtc-1132	113	33	,	,	PUNCT
ijtc-1132	113	34	a	a	DET
ijtc-1132	113	35	lesson	lesson	NOUN
ijtc-1132	113	36	learned	learn	VERB
ijtc-1132	113	37	from	from	ADP
ijtc-1132	113	38	indonesia	indonesia	PROPN
ijtc-1132	113	39	arini	arini	PROPN
ijtc-1132	113	40	,	,	PUNCT
ijtc-1132	113	41	lestari	lestari	NOUN
ijtc-1132	113	42	and	and	CCONJ
ijtc-1132	113	43	hanani	hanani	NOUN
ijtc-1132	113	44	494	494	NUM
ijtc-1132	113	45	|	|	ADV
ijtc-1132	113	46	ilomata	ilomata	PROPN
ijtc-1132	113	47	international	international	ADJ
ijtc-1132	113	48	journal	journal	NOUN
ijtc-1132	113	49	of	of	ADP
ijtc-1132	113	50	tax	tax	PROPN
ijtc-1132	113	51	&	&	CCONJ
ijtc-1132	113	52	accounting	accounting	PROPN
ijtc-1132	113	53	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1132	113	54	system	system	NOUN
ijtc-1132	113	55	quality	quality	NOUN
ijtc-1132	113	56	syqu1	syqu1	PROPN
ijtc-1132	113	57	0.753	0.753	NUM
ijtc-1132	113	58	0.682	0.682	NUM
ijtc-1132	113	59	0.782	0.782	NUM
ijtc-1132	113	60	0.865	0.865	NUM
ijtc-1132	113	61	syqu4	syqu4	NOUN
ijtc-1132	113	62	0.891	0.891	NUM
ijtc-1132	113	63	syqu5	syqu5	NOUN
ijtc-1132	113	64	0.829	0.829	NUM
ijtc-1132	113	65	secondly	secondly	ADV
ijtc-1132	113	66	,	,	PUNCT
ijtc-1132	113	67	discriminant	discriminant	ADJ
ijtc-1132	113	68	validity	validity	NOUN
ijtc-1132	113	69	can	can	AUX
ijtc-1132	113	70	be	be	AUX
ijtc-1132	113	71	seen	see	VERB
ijtc-1132	113	72	from	from	ADP
ijtc-1132	113	73	the	the	DET
ijtc-1132	113	74	root	root	NOUN
ijtc-1132	113	75	value	value	NOUN
ijtc-1132	113	76	of	of	ADP
ijtc-1132	113	77	average	average	ADJ
ijtc-1132	113	78	variance	variance	NOUN
ijtc-1132	113	79	extracted	extract	VERB
ijtc-1132	113	80	(	(	PUNCT
ijtc-1132	113	81	ave	ave	PROPN
ijtc-1132	113	82	)	)	PUNCT
ijtc-1132	113	83	>	>	X
ijtc-1132	113	84	cross	cross	NOUN
ijtc-1132	113	85	loading	load	VERB
ijtc-1132	113	86	variable	variable	ADJ
ijtc-1132	113	87	correlation	correlation	NOUN
ijtc-1132	113	88	.	.	PUNCT
ijtc-1132	114	1	when	when	SCONJ
ijtc-1132	114	2	ave	ave	PROPN
ijtc-1132	114	3	root	root	PROPN
ijtc-1132	114	4	value	value	NOUN
ijtc-1132	114	5	>	>	X
ijtc-1132	114	6	variable	variable	ADJ
ijtc-1132	114	7	correlation	correlation	NOUN
ijtc-1132	114	8	and	and	CCONJ
ijtc-1132	114	9	cross	cross	NOUN
ijtc-1132	114	10	load	load	NOUN
ijtc-1132	114	11	>	>	X
ijtc-1132	114	12	0.7	0.7	NUM
ijtc-1132	114	13	,	,	PUNCT
ijtc-1132	114	14	then	then	ADV
ijtc-1132	114	15	the	the	DET
ijtc-1132	114	16	statement	statement	NOUN
ijtc-1132	114	17	item	item	NOUN
ijtc-1132	114	18	is	be	AUX
ijtc-1132	114	19	declared	declare	VERB
ijtc-1132	114	20	valid	valid	ADJ
ijtc-1132	114	21	.	.	PUNCT
ijtc-1132	115	1	table	table	NOUN
ijtc-1132	115	2	1	1	NUM
ijtc-1132	115	3	explains	explain	VERB
ijtc-1132	115	4	that	that	SCONJ
ijtc-1132	115	5	the	the	DET
ijtc-1132	115	6	indicator	indicator	NOUN
ijtc-1132	115	7	is	be	AUX
ijtc-1132	115	8	more	more	ADV
ijtc-1132	115	9	correlated	correlate	VERB
ijtc-1132	115	10	with	with	ADP
ijtc-1132	115	11	the	the	DET
ijtc-1132	115	12	variable	variable	NOUN
ijtc-1132	115	13	than	than	ADP
ijtc-1132	115	14	with	with	ADP
ijtc-1132	115	15	the	the	DET
ijtc-1132	115	16	other	other	ADJ
ijtc-1132	115	17	variables	variable	NOUN
ijtc-1132	115	18	.	.	PUNCT
ijtc-1132	116	1	in	in	ADP
ijtc-1132	116	2	addition	addition	NOUN
ijtc-1132	116	3	,	,	PUNCT
ijtc-1132	116	4	table	table	NOUN
ijtc-1132	116	5	2	2	NUM
ijtc-1132	116	6	also	also	ADV
ijtc-1132	116	7	shows	show	VERB
ijtc-1132	116	8	that	that	SCONJ
ijtc-1132	116	9	the	the	DET
ijtc-1132	116	10	ave	ave	PROPN
ijtc-1132	116	11	root	root	NOUN
ijtc-1132	116	12	of	of	ADP
ijtc-1132	116	13	each	each	DET
ijtc-1132	116	14	variable	variable	NOUN
ijtc-1132	116	15	is	be	AUX
ijtc-1132	116	16	higher	high	ADJ
ijtc-1132	116	17	than	than	ADP
ijtc-1132	116	18	the	the	DET
ijtc-1132	116	19	correlation	correlation	NOUN
ijtc-1132	116	20	between	between	ADP
ijtc-1132	116	21	the	the	DET
ijtc-1132	116	22	variables	variable	NOUN
ijtc-1132	116	23	and	and	CCONJ
ijtc-1132	116	24	the	the	DET
ijtc-1132	116	25	others	other	NOUN
ijtc-1132	116	26	.	.	PUNCT
ijtc-1132	117	1	for	for	ADP
ijtc-1132	117	2	example	example	NOUN
ijtc-1132	117	3	,	,	PUNCT
ijtc-1132	117	4	the	the	DET
ijtc-1132	117	5	information	information	NOUN
ijtc-1132	117	6	quality	quality	NOUN
ijtc-1132	117	7	variable	variable	NOUN
ijtc-1132	117	8	(	(	PUNCT
ijtc-1132	117	9	inqu	inqu	X
ijtc-1132	117	10	)	)	PUNCT
ijtc-1132	117	11	has	have	VERB
ijtc-1132	117	12	an	an	DET
ijtc-1132	117	13	ave	ave	NOUN
ijtc-1132	117	14	root	root	NOUN
ijtc-1132	117	15	value	value	NOUN
ijtc-1132	117	16	of	of	ADP
ijtc-1132	117	17	0.753	0.753	NUM
ijtc-1132	117	18	which	which	PRON
ijtc-1132	117	19	indicates	indicate	VERB
ijtc-1132	117	20	that	that	SCONJ
ijtc-1132	117	21	the	the	DET
ijtc-1132	117	22	ave	ave	PROPN
ijtc-1132	117	23	core	core	NOUN
ijtc-1132	117	24	value	value	NOUN
ijtc-1132	117	25	is	be	AUX
ijtc-1132	117	26	higher	high	ADJ
ijtc-1132	117	27	than	than	ADP
ijtc-1132	117	28	other	other	ADJ
ijtc-1132	117	29	variable	variable	ADJ
ijtc-1132	117	30	correlations	correlation	NOUN
ijtc-1132	117	31	that	that	PRON
ijtc-1132	117	32	have	have	VERB
ijtc-1132	117	33	a	a	DET
ijtc-1132	117	34	value	value	NOUN
ijtc-1132	117	35	range	range	NOUN
ijtc-1132	117	36	of	of	ADP
ijtc-1132	117	37	0.462	0.462	NUM
ijtc-1132	117	38	to	to	ADP
ijtc-1132	117	39	0.699	0.699	NUM
ijtc-1132	117	40	.	.	PUNCT
ijtc-1132	118	1	finally	finally	ADV
ijtc-1132	118	2	,	,	PUNCT
ijtc-1132	118	3	it	it	PRON
ijtc-1132	118	4	can	can	AUX
ijtc-1132	118	5	be	be	AUX
ijtc-1132	118	6	concluded	conclude	VERB
ijtc-1132	118	7	that	that	SCONJ
ijtc-1132	118	8	the	the	DET
ijtc-1132	118	9	whole	whole	ADJ
ijtc-1132	118	10	variable	variable	NOUN
ijtc-1132	118	11	in	in	ADP
ijtc-1132	118	12	this	this	DET
ijtc-1132	118	13	study	study	NOUN
ijtc-1132	118	14	has	have	VERB
ijtc-1132	118	15	a	a	DET
ijtc-1132	118	16	validity	validity	NOUN
ijtc-1132	118	17	of	of	ADP
ijtc-1132	118	18	discrimination	discrimination	NOUN
ijtc-1132	118	19	that	that	PRON
ijtc-1132	118	20	is	be	AUX
ijtc-1132	118	21	good	good	ADJ
ijtc-1132	118	22	and	and	CCONJ
ijtc-1132	118	23	valid	valid	ADJ
ijtc-1132	118	24	.	.	PUNCT
ijtc-1132	119	1	table	table	NOUN
ijtc-1132	119	2	3	3	NUM
ijtc-1132	119	3	.	.	PUNCT
ijtc-1132	119	4	fornell	fornell	NOUN
ijtc-1132	119	5	-	-	PUNCT
ijtc-1132	119	6	larcker	larcker	NOUN
ijtc-1132	119	7	criterion	criterion	NOUN
ijtc-1132	119	8	value	value	NOUN
ijtc-1132	119	9	adop	adop	NOUN
ijtc-1132	119	10	inqu	inqu	PROPN
ijtc-1132	119	11	obser	obser	PROPN
ijtc-1132	119	12	peou	peou	PROPN
ijtc-1132	119	13	peus	peus	PROPN
ijtc-1132	119	14	read	read	VERB
ijtc-1132	119	15	syqu	syqu	NOUN
ijtc-1132	119	16	adop	adop	NOUN
ijtc-1132	119	17	0.861	0.861	NUM
ijtc-1132	119	18	comp	comp	NOUN
ijtc-1132	119	19	-0.041	-0.041	PUNCT
ijtc-1132	119	20	inqu	inqu	PROPN
ijtc-1132	119	21	-0.085	-0.085	NUM
ijtc-1132	119	22	0.753	0.753	NUM
ijtc-1132	119	23	obser	obser	NOUN
ijtc-1132	119	24	0.027	0.027	NUM
ijtc-1132	119	25	0.462	0.462	NUM
ijtc-1132	119	26	0.792	0.792	NUM
ijtc-1132	119	27	peou	peou	ADV
ijtc-1132	119	28	0.039	0.039	NUM
ijtc-1132	119	29	0.54	0.54	NUM
ijtc-1132	119	30	0.479	0.479	NUM
ijtc-1132	119	31	0.910	0.910	NUM
ijtc-1132	119	32	peus	peus	NOUN
ijtc-1132	119	33	0.029	0.029	NUM
ijtc-1132	119	34	0.629	0.629	NUM
ijtc-1132	119	35	0.289	0.289	NUM
ijtc-1132	119	36	0.360	0.360	NUM
ijtc-1132	119	37	0.917	0.917	NUM
ijtc-1132	119	38	read	read	NOUN
ijtc-1132	119	39	-0.056	-0.056	PROPN
ijtc-1132	119	40	0.599	0.599	NUM
ijtc-1132	119	41	0.368	0.368	NUM
ijtc-1132	119	42	0.436	0.436	NUM
ijtc-1132	119	43	0.758	0.758	NUM
ijtc-1132	119	44	0.833	0.833	NUM
ijtc-1132	119	45	sequ	sequ	NOUN
ijtc-1132	119	46	-0.107	-0.107	NUM
ijtc-1132	119	47	0.594	0.594	NUM
ijtc-1132	119	48	0.395	0.395	NUM
ijtc-1132	119	49	0.425	0.425	NUM
ijtc-1132	119	50	0.577	0.577	NUM
ijtc-1132	119	51	0.498	0.498	NUM
ijtc-1132	119	52	syqu	syqu	NOUN
ijtc-1132	119	53	-0.076	-0.076	NOUN
ijtc-1132	119	54	0.699	0.699	NUM
ijtc-1132	119	55	0.480	0.480	NUM
ijtc-1132	119	56	0.459	0.459	NUM
ijtc-1132	119	57	0.532	0.532	NUM
ijtc-1132	119	58	0.499	0.499	NUM
ijtc-1132	119	59	0.826	0.826	NUM
ijtc-1132	119	60	variables	variable	NOUN
ijtc-1132	119	61	are	be	AUX
ijtc-1132	119	62	reliable	reliable	ADJ
ijtc-1132	119	63	if	if	SCONJ
ijtc-1132	119	64	the	the	DET
ijtc-1132	119	65	cronbach	cronbach	ADJ
ijtc-1132	119	66	alpha	alpha	NOUN
ijtc-1132	119	67	value	value	NOUN
ijtc-1132	119	68	is	be	AUX
ijtc-1132	119	69	>	>	X
ijtc-1132	119	70	0.70	0.70	NUM
ijtc-1132	119	71	and	and	CCONJ
ijtc-1132	119	72	composite	composite	ADJ
ijtc-1132	119	73	reliability	reliability	NOUN
ijtc-1132	119	74	>	>	X
ijtc-1132	119	75	0.70	0.70	NUM
ijtc-1132	119	76	(	(	PUNCT
ijtc-1132	119	77	indonesia	indonesia	PROPN
ijtc-1132	119	78	,	,	PUNCT
ijtc-1132	119	79	n.d	n.d	PROPN
ijtc-1132	119	80	.	.	PROPN
ijtc-1132	119	81	)	)	PUNCT
ijtc-1132	119	82	.	.	PUNCT
ijtc-1132	120	1	however	however	ADV
ijtc-1132	120	2	,	,	PUNCT
ijtc-1132	120	3	if	if	SCONJ
ijtc-1132	120	4	the	the	DET
ijtc-1132	120	5	composite	composite	ADJ
ijtc-1132	120	6	reliability	reliability	NOUN
ijtc-1132	120	7	or	or	CCONJ
ijtc-1132	120	8	cronbach	cronbach	VERB
ijtc-1132	120	9	alpha	alpha	NOUN
ijtc-1132	120	10	value	value	NOUN
ijtc-1132	120	11	is	be	AUX
ijtc-1132	120	12	0.60	0.60	NUM
ijtc-1132	120	13	to	to	ADP
ijtc-1132	120	14	0.70	0.70	NUM
ijtc-1132	120	15	in	in	ADP
ijtc-1132	120	16	early	early	ADJ
ijtc-1132	120	17	stage	stage	NOUN
ijtc-1132	120	18	research	research	NOUN
ijtc-1132	120	19	,	,	PUNCT
ijtc-1132	120	20	it	it	PRON
ijtc-1132	120	21	is	be	AUX
ijtc-1132	120	22	still	still	ADV
ijtc-1132	120	23	considered	consider	VERB
ijtc-1132	120	24	feasible	feasible	ADJ
ijtc-1132	120	25	and	and	CCONJ
ijtc-1132	120	26	acceptable	acceptable	ADJ
ijtc-1132	120	27	(	(	PUNCT
ijtc-1132	120	28	j.	j.	PROPN
ijtc-1132	120	29	hair	hair	PROPN
ijtc-1132	120	30	et	et	PROPN
ijtc-1132	120	31	al	al	PROPN
ijtc-1132	120	32	.	.	PROPN
ijtc-1132	120	33	,	,	PUNCT
ijtc-1132	120	34	2017	2017	NUM
ijtc-1132	120	35	)	)	PUNCT
ijtc-1132	120	36	.	.	PUNCT
ijtc-1132	121	1	table	table	NOUN
ijtc-1132	121	2	2	2	NUM
ijtc-1132	121	3	shows	show	VERB
ijtc-1132	121	4	that	that	SCONJ
ijtc-1132	121	5	the	the	DET
ijtc-1132	121	6	value	value	NOUN
ijtc-1132	121	7	of	of	ADP
ijtc-1132	121	8	cronbach	cronbach	ADJ
ijtc-1132	121	9	alpha	alpha	NOUN
ijtc-1132	121	10	and	and	CCONJ
ijtc-1132	121	11	composite	composite	ADJ
ijtc-1132	121	12	reliability	reliability	NOUN
ijtc-1132	121	13	for	for	ADP
ijtc-1132	121	14	each	each	DET
ijtc-1132	121	15	variable	variable	NOUN
ijtc-1132	121	16	has	have	AUX
ijtc-1132	121	17	met	meet	VERB
ijtc-1132	121	18	the	the	DET
ijtc-1132	121	19	requirements	requirement	NOUN
ijtc-1132	121	20	.	.	PUNCT
ijtc-1132	122	1	the	the	DET
ijtc-1132	122	2	smallest	small	ADJ
ijtc-1132	122	3	value	value	NOUN
ijtc-1132	122	4	is	be	AUX
ijtc-1132	122	5	shown	show	VERB
ijtc-1132	122	6	in	in	ADP
ijtc-1132	122	7	the	the	DET
ijtc-1132	122	8	cronbach	cronbach	ADJ
ijtc-1132	122	9	alpha	alpha	NOUN
ijtc-1132	122	10	of	of	ADP
ijtc-1132	122	11	the	the	DET
ijtc-1132	122	12	system	system	NOUN
ijtc-1132	122	13	quality	quality	NOUN
ijtc-1132	122	14	variable	variable	NOUN
ijtc-1132	122	15	,	,	PUNCT
ijtc-1132	122	16	which	which	PRON
ijtc-1132	122	17	is	be	AUX
ijtc-1132	122	18	0.782	0.782	NUM
ijtc-1132	122	19	.	.	PUNCT
ijtc-1132	123	1	this	this	DET
ijtc-1132	123	2	value	value	NOUN
ijtc-1132	123	3	is	be	AUX
ijtc-1132	123	4	still	still	ADV
ijtc-1132	123	5	acceptable	acceptable	ADJ
ijtc-1132	123	6	because	because	SCONJ
ijtc-1132	123	7	it	it	PRON
ijtc-1132	123	8	ranges	range	VERB
ijtc-1132	123	9	between	between	ADP
ijtc-1132	123	10	0.60	0.60	NUM
ijtc-1132	123	11	and	and	CCONJ
ijtc-1132	123	12	0.70	0.70	NUM
ijtc-1132	123	13	.	.	PUNCT
ijtc-1132	124	1	so	so	ADV
ijtc-1132	124	2	it	it	PRON
ijtc-1132	124	3	can	can	AUX
ijtc-1132	124	4	be	be	AUX
ijtc-1132	124	5	concluded	conclude	VERB
ijtc-1132	124	6	that	that	SCONJ
ijtc-1132	124	7	all	all	DET
ijtc-1132	124	8	variable	variable	ADJ
ijtc-1132	124	9	indicators	indicator	NOUN
ijtc-1132	124	10	meet	meet	VERB
ijtc-1132	124	11	the	the	DET
ijtc-1132	124	12	reliability	reliability	NOUN
ijtc-1132	124	13	test	test	NOUN
ijtc-1132	124	14	.	.	PUNCT
ijtc-1132	125	1	model	model	NOUN
ijtc-1132	125	2	goodness	goodness	NOUN
ijtc-1132	125	3	-	-	PUNCT
ijtc-1132	125	4	fit	fit	ADJ
ijtc-1132	125	5	test	test	NOUN
ijtc-1132	125	6	this	this	DET
ijtc-1132	125	7	test	test	NOUN
ijtc-1132	125	8	is	be	AUX
ijtc-1132	125	9	conducted	conduct	VERB
ijtc-1132	125	10	by	by	ADP
ijtc-1132	125	11	looking	look	VERB
ijtc-1132	125	12	at	at	ADP
ijtc-1132	125	13	the	the	DET
ijtc-1132	125	14	r	r	NOUN
ijtc-1132	125	15	-	-	PUNCT
ijtc-1132	125	16	square	square	ADJ
ijtc-1132	125	17	value	value	NOUN
ijtc-1132	125	18	to	to	PART
ijtc-1132	125	19	measure	measure	VERB
ijtc-1132	125	20	the	the	DET
ijtc-1132	125	21	level	level	NOUN
ijtc-1132	125	22	of	of	ADP
ijtc-1132	125	23	variation	variation	NOUN
ijtc-1132	125	24	in	in	ADP
ijtc-1132	125	25	changes	change	NOUN
ijtc-1132	125	26	in	in	ADP
ijtc-1132	125	27	the	the	DET
ijtc-1132	125	28	independent	independent	ADJ
ijtc-1132	125	29	variable	variable	NOUN
ijtc-1132	125	30	on	on	ADP
ijtc-1132	125	31	the	the	DET
ijtc-1132	125	32	dependent	dependent	ADJ
ijtc-1132	125	33	variable	variable	NOUN
ijtc-1132	125	34	.	.	PUNCT
ijtc-1132	126	1	table	table	NOUN
ijtc-1132	126	2	4	4	NUM
ijtc-1132	126	3	shows	show	VERB
ijtc-1132	126	4	that	that	SCONJ
ijtc-1132	126	5	the	the	DET
ijtc-1132	126	6	adoption	adoption	NOUN
ijtc-1132	126	7	variable	variable	NOUN
ijtc-1132	126	8	has	have	VERB
ijtc-1132	126	9	an	an	DET
ijtc-1132	126	10	r	r	NOUN
ijtc-1132	126	11	-	-	PUNCT
ijtc-1132	126	12	square	square	ADJ
ijtc-1132	126	13	value	value	NOUN
ijtc-1132	126	14	of	of	ADP
ijtc-1132	126	15	0.065	0.065	NUM
ijtc-1132	126	16	.	.	PUNCT
ijtc-1132	127	1	this	this	PRON
ijtc-1132	127	2	shows	show	VERB
ijtc-1132	127	3	that	that	SCONJ
ijtc-1132	127	4	6.5	6.5	NUM
ijtc-1132	127	5	%	%	NOUN
ijtc-1132	127	6	of	of	ADP
ijtc-1132	127	7	this	this	DET
ijtc-1132	127	8	variable	variable	NOUN
ijtc-1132	127	9	is	be	AUX
ijtc-1132	127	10	explained	explain	VERB
ijtc-1132	127	11	by	by	ADP
ijtc-1132	127	12	the	the	DET
ijtc-1132	127	13	variables	variable	NOUN
ijtc-1132	127	14	of	of	ADP
ijtc-1132	127	15	compatibility	compatibility	NOUN
ijtc-1132	127	16	,	,	PUNCT
ijtc-1132	127	17	observability	observability	NOUN
ijtc-1132	127	18	,	,	PUNCT
ijtc-1132	127	19	relative	relative	ADJ
ijtc-1132	127	20	advantage	advantage	NOUN
ijtc-1132	127	21	,	,	PUNCT
ijtc-1132	127	22	perceived	perceive	VERB
ijtc-1132	127	23	ease	ease	NOUN
ijtc-1132	127	24	of	of	ADP
ijtc-1132	127	25	use	use	NOUN
ijtc-1132	127	26	,	,	PUNCT
ijtc-1132	127	27	perceived	perceive	VERB
ijtc-1132	127	28	usefulness	usefulness	NOUN
ijtc-1132	127	29	,	,	PUNCT
ijtc-1132	127	30	information	information	NOUN
ijtc-1132	127	31	quality	quality	NOUN
ijtc-1132	127	32	,	,	PUNCT
ijtc-1132	127	33	system	system	NOUN
ijtc-1132	127	34	quality	quality	NOUN
ijtc-1132	127	35	and	and	CCONJ
ijtc-1132	127	36	service	service	NOUN
ijtc-1132	127	37	quality	quality	NOUN
ijtc-1132	127	38	.	.	PUNCT
ijtc-1132	128	1	while	while	SCONJ
ijtc-1132	128	2	the	the	DET
ijtc-1132	128	3	remaining	remain	VERB
ijtc-1132	128	4	93.5	93.5	NUM
ijtc-1132	128	5	%	%	NOUN
ijtc-1132	128	6	is	be	AUX
ijtc-1132	128	7	explained	explain	VERB
ijtc-1132	128	8	by	by	ADP
ijtc-1132	128	9	other	other	ADJ
ijtc-1132	128	10	variables	variable	NOUN
ijtc-1132	128	11	.	.	PUNCT
ijtc-1132	129	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1132	129	2	the	the	DET
ijtc-1132	129	3	determinants	determinant	NOUN
ijtc-1132	129	4	of	of	ADP
ijtc-1132	129	5	mobile	mobile	ADJ
ijtc-1132	129	6	e	e	NOUN
ijtc-1132	129	7	-	-	NOUN
ijtc-1132	129	8	wallet	wallet	NOUN
ijtc-1132	129	9	adoption	adoption	NOUN
ijtc-1132	129	10	across	across	ADP
ijtc-1132	129	11	generation	generation	NOUN
ijtc-1132	129	12	,	,	PUNCT
ijtc-1132	129	13	a	a	DET
ijtc-1132	129	14	lesson	lesson	NOUN
ijtc-1132	129	15	learned	learn	VERB
ijtc-1132	129	16	from	from	ADP
ijtc-1132	129	17	indonesia	indonesia	PROPN
ijtc-1132	129	18	arini	arini	PROPN
ijtc-1132	129	19	,	,	PUNCT
ijtc-1132	129	20	lestari	lestari	NOUN
ijtc-1132	129	21	and	and	CCONJ
ijtc-1132	129	22	hanani	hanani	NOUN
ijtc-1132	129	23	495	495	NUM
ijtc-1132	129	24	|	|	ADV
ijtc-1132	129	25	ilomata	ilomata	PROPN
ijtc-1132	129	26	international	international	ADJ
ijtc-1132	129	27	journal	journal	NOUN
ijtc-1132	129	28	of	of	ADP
ijtc-1132	129	29	tax	tax	PROPN
ijtc-1132	129	30	&	&	CCONJ
ijtc-1132	129	31	accounting	account	VERB
ijtc-1132	129	32	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	129	33	table	table	NOUN
ijtc-1132	129	34	4	4	NUM
ijtc-1132	129	35	.	.	PUNCT
ijtc-1132	129	36	r	r	X
ijtc-1132	129	37	-	-	PUNCT
ijtc-1132	129	38	square	square	ADJ
ijtc-1132	129	39	results	result	NOUN
ijtc-1132	129	40	variable	variable	ADJ
ijtc-1132	129	41	r	r	NOUN
ijtc-1132	129	42	square	square	ADJ
ijtc-1132	129	43	adoption	adoption	NOUN
ijtc-1132	129	44	0.065	0.065	NUM
ijtc-1132	129	45	hypothesis	hypothesis	NOUN
ijtc-1132	129	46	testing	test	VERB
ijtc-1132	129	47	the	the	DET
ijtc-1132	129	48	next	next	ADJ
ijtc-1132	129	49	test	test	NOUN
ijtc-1132	129	50	is	be	AUX
ijtc-1132	129	51	to	to	PART
ijtc-1132	129	52	see	see	VERB
ijtc-1132	129	53	the	the	DET
ijtc-1132	129	54	level	level	NOUN
ijtc-1132	129	55	of	of	ADP
ijtc-1132	129	56	significance	significance	NOUN
ijtc-1132	129	57	between	between	ADP
ijtc-1132	129	58	variables	variable	NOUN
ijtc-1132	129	59	on	on	ADP
ijtc-1132	129	60	path	path	NOUN
ijtc-1132	129	61	coefficients	coefficient	NOUN
ijtc-1132	129	62	,	,	PUNCT
ijtc-1132	129	63	in	in	ADP
ijtc-1132	129	64	this	this	DET
ijtc-1132	129	65	study	study	NOUN
ijtc-1132	129	66	there	there	PRON
ijtc-1132	129	67	are	be	VERB
ijtc-1132	129	68	2	2	NUM
ijtc-1132	129	69	constant	constant	ADJ
ijtc-1132	129	70	variables	variable	NOUN
ijtc-1132	129	71	namely	namely	ADV
ijtc-1132	129	72	compatibility	compatibility	NOUN
ijtc-1132	129	73	dan	dan	PROPN
ijtc-1132	129	74	service	service	PROPN
ijtc-1132	129	75	quality	quality	NOUN
ijtc-1132	129	76	variables	variable	NOUN
ijtc-1132	129	77	.	.	PUNCT
ijtc-1132	130	1	figure	figure	NOUN
ijtc-1132	130	2	1	1	NUM
ijtc-1132	130	3	shows	show	VERB
ijtc-1132	130	4	the	the	DET
ijtc-1132	130	5	result	result	NOUN
ijtc-1132	130	6	of	of	ADP
ijtc-1132	130	7	the	the	DET
ijtc-1132	130	8	bootsrapping	bootsrapping	NOUN
ijtc-1132	130	9	proceduce	proceduce	VERB
ijtc-1132	130	10	with	with	ADP
ijtc-1132	130	11	the	the	DET
ijtc-1132	130	12	smart	smart	ADJ
ijtc-1132	130	13	pls	pls	NOUN
ijtc-1132	130	14	3	3	X
ijtc-1132	130	15	.	.	NOUN
ijtc-1132	130	16	hypothesis	hypothesis	NOUN
ijtc-1132	130	17	testing	testing	NOUN
ijtc-1132	130	18	carried	carry	VERB
ijtc-1132	130	19	out	out	ADP
ijtc-1132	130	20	includes	include	VERB
ijtc-1132	130	21	testing	test	VERB
ijtc-1132	130	22	the	the	DET
ijtc-1132	130	23	influence	influence	NOUN
ijtc-1132	130	24	of	of	ADP
ijtc-1132	130	25	6	6	NUM
ijtc-1132	130	26	independent	independent	ADJ
ijtc-1132	130	27	variables	variable	NOUN
ijtc-1132	130	28	,	,	PUNCT
ijtc-1132	130	29	namely	namely	ADV
ijtc-1132	130	30	information	information	NOUN
ijtc-1132	130	31	quality	quality	NOUN
ijtc-1132	130	32	,	,	PUNCT
ijtc-1132	130	33	observability	observability	NOUN
ijtc-1132	130	34	,	,	PUNCT
ijtc-1132	130	35	perceived	perceive	VERB
ijtc-1132	130	36	ease	ease	NOUN
ijtc-1132	130	37	of	of	ADP
ijtc-1132	130	38	use	use	NOUN
ijtc-1132	130	39	,	,	PUNCT
ijtc-1132	130	40	perceived	perceive	VERB
ijtc-1132	130	41	usefulness	usefulness	NOUN
ijtc-1132	130	42	,	,	PUNCT
ijtc-1132	130	43	relative	relative	ADJ
ijtc-1132	130	44	advantages	advantage	NOUN
ijtc-1132	130	45	and	and	CCONJ
ijtc-1132	130	46	system	system	NOUN
ijtc-1132	130	47	quality	quality	NOUN
ijtc-1132	130	48	as	as	ADV
ijtc-1132	130	49	well	well	ADV
ijtc-1132	130	50	as	as	ADP
ijtc-1132	130	51	2	2	NUM
ijtc-1132	130	52	control	control	NOUN
ijtc-1132	130	53	variables	variable	NOUN
ijtc-1132	130	54	,	,	PUNCT
ijtc-1132	130	55	namely	namely	ADV
ijtc-1132	130	56	comparability	comparability	NOUN
ijtc-1132	130	57	and	and	CCONJ
ijtc-1132	130	58	service	service	NOUN
ijtc-1132	130	59	quality	quality	NOUN
ijtc-1132	130	60	.	.	PUNCT
ijtc-1132	131	1	based	base	VERB
ijtc-1132	131	2	on	on	ADP
ijtc-1132	131	3	the	the	DET
ijtc-1132	131	4	test	test	NOUN
ijtc-1132	131	5	results	result	NOUN
ijtc-1132	131	6	in	in	ADP
ijtc-1132	131	7	table	table	NOUN
ijtc-1132	131	8	5	5	NUM
ijtc-1132	131	9	,	,	PUNCT
ijtc-1132	131	10	it	it	PRON
ijtc-1132	131	11	shows	show	VERB
ijtc-1132	131	12	that	that	SCONJ
ijtc-1132	131	13	there	there	PRON
ijtc-1132	131	14	are	be	VERB
ijtc-1132	131	15	2	2	NUM
ijtc-1132	131	16	accepted	accepted	ADJ
ijtc-1132	131	17	hypotheses	hypothesis	NOUN
ijtc-1132	131	18	,	,	PUNCT
ijtc-1132	131	19	namely	namely	ADV
ijtc-1132	131	20	h3	h3	NOUN
ijtc-1132	131	21	and	and	CCONJ
ijtc-1132	131	22	h4	h4	NOUN
ijtc-1132	131	23	,	,	PUNCT
ijtc-1132	131	24	while	while	SCONJ
ijtc-1132	131	25	the	the	DET
ijtc-1132	131	26	other	other	ADJ
ijtc-1132	131	27	five	five	NUM
ijtc-1132	131	28	hypotheses	hypothesis	NOUN
ijtc-1132	131	29	are	be	AUX
ijtc-1132	131	30	rejected	reject	VERB
ijtc-1132	131	31	.	.	PUNCT
ijtc-1132	132	1	figure	figure	NOUN
ijtc-1132	132	2	1	1	NUM
ijtc-1132	132	3	.	.	PUNCT
ijtc-1132	133	1	pls	pls	PROPN
ijtc-1132	133	2	results	result	VERB
ijtc-1132	133	3	structural	structural	ADJ
ijtc-1132	133	4	model	model	NOUN
ijtc-1132	133	5	observability	observability	NOUN
ijtc-1132	133	6	refers	refer	VERB
ijtc-1132	133	7	to	to	ADP
ijtc-1132	133	8	the	the	DET
ijtc-1132	133	9	extent	extent	NOUN
ijtc-1132	133	10	to	to	PART
ijtc-1132	133	11	which	which	PRON
ijtc-1132	133	12	the	the	DET
ijtc-1132	133	13	results	result	NOUN
ijtc-1132	133	14	of	of	ADP
ijtc-1132	133	15	an	an	DET
ijtc-1132	133	16	innovation	innovation	NOUN
ijtc-1132	133	17	can	can	AUX
ijtc-1132	133	18	be	be	AUX
ijtc-1132	133	19	seen	see	VERB
ijtc-1132	133	20	by	by	ADP
ijtc-1132	133	21	others	other	NOUN
ijtc-1132	133	22	(	(	PUNCT
ijtc-1132	133	23	rogers	rogers	PROPN
ijtc-1132	133	24	et	et	PROPN
ijtc-1132	133	25	al	al	PROPN
ijtc-1132	133	26	.	.	PROPN
ijtc-1132	133	27	,	,	PUNCT
ijtc-1132	133	28	2014	2014	NUM
ijtc-1132	133	29	)	)	PUNCT
ijtc-1132	133	30	.	.	PUNCT
ijtc-1132	134	1	observability	observability	NOUN
ijtc-1132	134	2	has	have	VERB
ijtc-1132	134	3	no	no	DET
ijtc-1132	134	4	significant	significant	ADJ
ijtc-1132	134	5	effect	effect	NOUN
ijtc-1132	134	6	on	on	ADP
ijtc-1132	134	7	the	the	DET
ijtc-1132	134	8	adoption	adoption	NOUN
ijtc-1132	134	9	of	of	ADP
ijtc-1132	134	10	e	e	NOUN
ijtc-1132	134	11	-	-	NOUN
ijtc-1132	134	12	wallet	wallet	NOUN
ijtc-1132	134	13	usage	usage	NOUN
ijtc-1132	134	14	.	.	PUNCT
ijtc-1132	135	1	the	the	DET
ijtc-1132	135	2	results	result	NOUN
ijtc-1132	135	3	of	of	ADP
ijtc-1132	135	4	this	this	DET
ijtc-1132	135	5	study	study	NOUN
ijtc-1132	135	6	are	be	AUX
ijtc-1132	135	7	in	in	ADP
ijtc-1132	135	8	line	line	NOUN
ijtc-1132	135	9	with	with	ADP
ijtc-1132	135	10	previous	previous	ADJ
ijtc-1132	135	11	research	research	NOUN
ijtc-1132	135	12	by	by	ADP
ijtc-1132	135	13	(	(	PUNCT
ijtc-1132	135	14	krismawan	krismawan	PROPN
ijtc-1132	135	15	,	,	PUNCT
ijtc-1132	135	16	2014	2014	NUM
ijtc-1132	135	17	)	)	PUNCT
ijtc-1132	135	18	and	and	CCONJ
ijtc-1132	135	19	contradict	contradict	VERB
ijtc-1132	135	20	research	research	NOUN
ijtc-1132	135	21	(	(	PUNCT
ijtc-1132	135	22	wiratno	wiratno	NOUN
ijtc-1132	135	23	,	,	PUNCT
ijtc-1132	135	24	2020	2020	NUM
ijtc-1132	135	25	)	)	PUNCT
ijtc-1132	135	26	,	,	PUNCT
ijtc-1132	135	27	and	and	CCONJ
ijtc-1132	135	28	(	(	PUNCT
ijtc-1132	135	29	sudarsono	sudarsono	NOUN
ijtc-1132	135	30	et	et	PROPN
ijtc-1132	135	31	al	al	PROPN
ijtc-1132	135	32	.	.	PROPN
ijtc-1132	135	33	,	,	PUNCT
ijtc-1132	135	34	2022	2022	NUM
ijtc-1132	135	35	)	)	PUNCT
ijtc-1132	135	36	.	.	PUNCT
ijtc-1132	136	1	when	when	SCONJ
ijtc-1132	136	2	people	people	NOUN
ijtc-1132	136	3	will	will	AUX
ijtc-1132	136	4	use	use	VERB
ijtc-1132	136	5	a	a	DET
ijtc-1132	136	6	new	new	ADJ
ijtc-1132	136	7	electronic	electronic	ADJ
ijtc-1132	136	8	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	NOUN
ijtc-1132	136	9	the	the	DET
ijtc-1132	136	10	determinants	determinant	NOUN
ijtc-1132	136	11	of	of	ADP
ijtc-1132	136	12	mobile	mobile	ADJ
ijtc-1132	136	13	e	e	NOUN
ijtc-1132	136	14	-	-	NOUN
ijtc-1132	136	15	wallet	wallet	NOUN
ijtc-1132	136	16	adoption	adoption	NOUN
ijtc-1132	136	17	across	across	ADP
ijtc-1132	136	18	generation	generation	NOUN
ijtc-1132	136	19	,	,	PUNCT
ijtc-1132	136	20	a	a	DET
ijtc-1132	136	21	lesson	lesson	NOUN
ijtc-1132	136	22	learned	learn	VERB
ijtc-1132	136	23	from	from	ADP
ijtc-1132	136	24	indonesia	indonesia	PROPN
ijtc-1132	136	25	arini	arini	PROPN
ijtc-1132	136	26	,	,	PUNCT
ijtc-1132	136	27	lestari	lestari	NOUN
ijtc-1132	136	28	and	and	CCONJ
ijtc-1132	136	29	hanani	hanani	NOUN
ijtc-1132	137	1	496	496	NUM
ijtc-1132	137	2	|	|	ADV
ijtc-1132	137	3	ilomata	ilomata	PROPN
ijtc-1132	137	4	international	international	ADJ
ijtc-1132	137	5	journal	journal	NOUN
ijtc-1132	137	6	of	of	ADP
ijtc-1132	137	7	tax	tax	PROPN
ijtc-1132	137	8	&	&	CCONJ
ijtc-1132	137	9	accounting	accounting	PROPN
ijtc-1132	137	10	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1132	137	11	money	money	NOUN
ijtc-1132	137	12	application	application	NOUN
ijtc-1132	137	13	,	,	PUNCT
ijtc-1132	137	14	they	they	PRON
ijtc-1132	137	15	believe	believe	VERB
ijtc-1132	137	16	they	they	PRON
ijtc-1132	137	17	need	need	VERB
ijtc-1132	137	18	to	to	PART
ijtc-1132	137	19	first	first	ADV
ijtc-1132	137	20	see	see	VERB
ijtc-1132	137	21	other	other	ADJ
ijtc-1132	137	22	people	people	NOUN
ijtc-1132	137	23	who	who	PRON
ijtc-1132	137	24	use	use	VERB
ijtc-1132	137	25	it	it	PRON
ijtc-1132	137	26	think	think	VERB
ijtc-1132	137	27	the	the	DET
ijtc-1132	137	28	electronic	electronic	ADJ
ijtc-1132	137	29	money	money	NOUN
ijtc-1132	137	30	is	be	AUX
ijtc-1132	137	31	safe	safe	ADJ
ijtc-1132	137	32	or	or	CCONJ
ijtc-1132	137	33	not	not	PART
ijtc-1132	137	34	.	.	PUNCT
ijtc-1132	138	1	this	this	PRON
ijtc-1132	138	2	shows	show	VERB
ijtc-1132	138	3	that	that	SCONJ
ijtc-1132	138	4	people	people	NOUN
ijtc-1132	138	5	do	do	AUX
ijtc-1132	138	6	not	not	PART
ijtc-1132	138	7	feel	feel	VERB
ijtc-1132	138	8	confident	confident	ADJ
ijtc-1132	138	9	and	and	CCONJ
ijtc-1132	138	10	motivated	motivated	ADJ
ijtc-1132	138	11	to	to	PART
ijtc-1132	138	12	adopt	adopt	VERB
ijtc-1132	138	13	e	e	NOUN
ijtc-1132	138	14	-	-	NOUN
ijtc-1132	138	15	wallet	wallet	NOUN
ijtc-1132	138	16	payment	payment	NOUN
ijtc-1132	138	17	systems	system	NOUN
ijtc-1132	138	18	,	,	PUNCT
ijtc-1132	138	19	including	include	VERB
ijtc-1132	138	20	recommending	recommend	VERB
ijtc-1132	138	21	that	that	SCONJ
ijtc-1132	138	22	e	e	NOUN
ijtc-1132	138	23	-	-	NOUN
ijtc-1132	138	24	wallet	wallet	NOUN
ijtc-1132	138	25	payment	payment	NOUN
ijtc-1132	138	26	system	system	NOUN
ijtc-1132	138	27	services	service	NOUN
ijtc-1132	138	28	give	give	VERB
ijtc-1132	138	29	the	the	DET
ijtc-1132	138	30	impression	impression	NOUN
ijtc-1132	138	31	of	of	ADP
ijtc-1132	138	32	positive	positive	ADJ
ijtc-1132	138	33	responses	response	NOUN
ijtc-1132	138	34	regarding	regard	VERB
ijtc-1132	138	35	the	the	DET
ijtc-1132	138	36	experience	experience	NOUN
ijtc-1132	138	37	of	of	ADP
ijtc-1132	138	38	using	use	VERB
ijtc-1132	138	39	e	e	NOUN
ijtc-1132	138	40	-	-	NOUN
ijtc-1132	138	41	wallet	wallet	NOUN
ijtc-1132	138	42	payment	payment	NOUN
ijtc-1132	138	43	systems	system	NOUN
ijtc-1132	138	44	.	.	PUNCT
ijtc-1132	139	1	relative	relative	ADJ
ijtc-1132	139	2	advantage	advantage	NOUN
ijtc-1132	139	3	refers	refer	VERB
ijtc-1132	139	4	to	to	ADP
ijtc-1132	139	5	an	an	DET
ijtc-1132	139	6	individual	individual	NOUN
ijtc-1132	139	7	's	's	PART
ijtc-1132	139	8	intention	intention	NOUN
ijtc-1132	139	9	to	to	PART
ijtc-1132	139	10	adopt	adopt	VERB
ijtc-1132	139	11	and	and	CCONJ
ijtc-1132	139	12	use	use	VERB
ijtc-1132	139	13	mobile	mobile	ADJ
ijtc-1132	139	14	payment	payment	NOUN
ijtc-1132	139	15	services	service	NOUN
ijtc-1132	139	16	.	.	PUNCT
ijtc-1132	140	1	relative	relative	ADJ
ijtc-1132	140	2	advantage	advantage	NOUN
ijtc-1132	140	3	has	have	VERB
ijtc-1132	140	4	no	no	DET
ijtc-1132	140	5	significant	significant	ADJ
ijtc-1132	140	6	effect	effect	NOUN
ijtc-1132	140	7	on	on	ADP
ijtc-1132	140	8	the	the	DET
ijtc-1132	140	9	intention	intention	NOUN
ijtc-1132	140	10	to	to	PART
ijtc-1132	140	11	use	use	VERB
ijtc-1132	140	12	an	an	DET
ijtc-1132	140	13	e	e	NOUN
ijtc-1132	140	14	-	-	NOUN
ijtc-1132	140	15	wallet	wallet	NOUN
ijtc-1132	140	16	.	.	PUNCT
ijtc-1132	141	1	the	the	DET
ijtc-1132	141	2	results	result	NOUN
ijtc-1132	141	3	of	of	ADP
ijtc-1132	141	4	this	this	DET
ijtc-1132	141	5	study	study	NOUN
ijtc-1132	141	6	are	be	AUX
ijtc-1132	141	7	in	in	ADP
ijtc-1132	141	8	line	line	NOUN
ijtc-1132	141	9	with	with	ADP
ijtc-1132	141	10	previous	previous	ADJ
ijtc-1132	141	11	research	research	NOUN
ijtc-1132	141	12	(	(	PUNCT
ijtc-1132	141	13	gumilang	gumilang	PROPN
ijtc-1132	141	14	&	&	CCONJ
ijtc-1132	141	15	hidayatullah	hidayatullah	PROPN
ijtc-1132	141	16	,	,	PUNCT
ijtc-1132	141	17	2018	2018	NUM
ijtc-1132	141	18	)	)	PUNCT
ijtc-1132	141	19	and	and	CCONJ
ijtc-1132	141	20	(	(	PUNCT
ijtc-1132	141	21	a.	a.	PROPN
ijtc-1132	141	22	r.	r.	PROPN
ijtc-1132	141	23	hidayat	hidayat	PROPN
ijtc-1132	141	24	,	,	PUNCT
ijtc-1132	141	25	2023	2023	NUM
ijtc-1132	141	26	)	)	PUNCT
ijtc-1132	141	27	and	and	CCONJ
ijtc-1132	141	28	contradict	contradict	VERB
ijtc-1132	141	29	research	research	NOUN
ijtc-1132	141	30	(	(	PUNCT
ijtc-1132	141	31	okonkwo	okonkwo	NOUN
ijtc-1132	141	32	et	et	PROPN
ijtc-1132	141	33	al	al	PROPN
ijtc-1132	141	34	.	.	PROPN
ijtc-1132	141	35	,	,	PUNCT
ijtc-1132	141	36	2022	2022	NUM
ijtc-1132	141	37	)	)	PUNCT
ijtc-1132	141	38	.	.	PUNCT
ijtc-1132	142	1	an	an	DET
ijtc-1132	142	2	innovation	innovation	NOUN
ijtc-1132	142	3	will	will	AUX
ijtc-1132	142	4	be	be	AUX
ijtc-1132	142	5	adopted	adopt	VERB
ijtc-1132	142	6	or	or	CCONJ
ijtc-1132	142	7	consumed	consume	VERB
ijtc-1132	142	8	by	by	ADP
ijtc-1132	142	9	the	the	DET
ijtc-1132	142	10	community	community	NOUN
ijtc-1132	142	11	because	because	SCONJ
ijtc-1132	142	12	it	it	PRON
ijtc-1132	142	13	has	have	VERB
ijtc-1132	142	14	an	an	DET
ijtc-1132	142	15	advantage	advantage	NOUN
ijtc-1132	142	16	or	or	CCONJ
ijtc-1132	142	17	advantage	advantage	NOUN
ijtc-1132	142	18	over	over	ADP
ijtc-1132	142	19	others	other	NOUN
ijtc-1132	142	20	.	.	PUNCT
ijtc-1132	143	1	however	however	ADV
ijtc-1132	143	2	,	,	PUNCT
ijtc-1132	143	3	the	the	PRON
ijtc-1132	143	4	more	more	ADJ
ijtc-1132	143	5	people	people	NOUN
ijtc-1132	143	6	start	start	VERB
ijtc-1132	143	7	to	to	PART
ijtc-1132	143	8	switch	switch	VERB
ijtc-1132	143	9	to	to	ADP
ijtc-1132	143	10	using	use	VERB
ijtc-1132	143	11	these	these	DET
ijtc-1132	143	12	innovations	innovation	NOUN
ijtc-1132	143	13	,	,	PUNCT
ijtc-1132	143	14	the	the	DET
ijtc-1132	143	15	benefits	benefit	NOUN
ijtc-1132	143	16	presented	present	VERB
ijtc-1132	143	17	will	will	AUX
ijtc-1132	143	18	decrease	decrease	VERB
ijtc-1132	143	19	(	(	PUNCT
ijtc-1132	143	20	reduction	reduction	NOUN
ijtc-1132	143	21	in	in	ADP
ijtc-1132	143	22	the	the	DET
ijtc-1132	143	23	nominal	nominal	ADJ
ijtc-1132	143	24	discount	discount	NOUN
ijtc-1132	143	25	)	)	PUNCT
ijtc-1132	143	26	,	,	PUNCT
ijtc-1132	143	27	therefore	therefore	ADV
ijtc-1132	143	28	high	high	ADJ
ijtc-1132	143	29	relative	relative	ADJ
ijtc-1132	143	30	benefits	benefit	NOUN
ijtc-1132	143	31	do	do	AUX
ijtc-1132	143	32	not	not	PART
ijtc-1132	143	33	necessarily	necessarily	ADV
ijtc-1132	143	34	make	make	VERB
ijtc-1132	143	35	people	people	NOUN
ijtc-1132	143	36	so	so	ADV
ijtc-1132	143	37	willing	willing	ADJ
ijtc-1132	143	38	to	to	PART
ijtc-1132	143	39	adopt	adopt	VERB
ijtc-1132	143	40	a	a	DET
ijtc-1132	143	41	new	new	ADJ
ijtc-1132	143	42	innovation	innovation	NOUN
ijtc-1132	143	43	.	.	PUNCT
ijtc-1132	144	1	table	table	NOUN
ijtc-1132	144	2	5	5	NUM
ijtc-1132	144	3	.	.	PUNCT
ijtc-1132	145	1	results	result	NOUN
ijtc-1132	145	2	of	of	ADP
ijtc-1132	145	3	path	path	NOUN
ijtc-1132	145	4	coefficients	coefficient	NOUN
ijtc-1132	145	5	variable	variable	ADJ
ijtc-1132	145	6	hypothesis	hypothesis	NOUN
ijtc-1132	145	7	original	original	ADJ
ijtc-1132	145	8	sample	sample	NOUN
ijtc-1132	145	9	p	p	ADJ
ijtc-1132	145	10	-	-	PUNCT
ijtc-1132	145	11	value	value	NOUN
ijtc-1132	145	12	description	description	NOUN
ijtc-1132	145	13	inqu	inqu	VERB
ijtc-1132	145	14	>	>	X
ijtc-1132	145	15	adop	adop	NOUN
ijtc-1132	145	16	-0.167	-0.167	PUNCT
ijtc-1132	145	17	0.158	0.158	NUM
ijtc-1132	145	18	rejected	reject	VERB
ijtc-1132	145	19	obser	obser	NOUN
ijtc-1132	145	20	-	-	PUNCT
ijtc-1132	145	21	>	>	X
ijtc-1132	145	22	adop	adop	NOUN
ijtc-1132	145	23	0.101	0.101	NUM
ijtc-1132	145	24	0.206	0.206	NUM
ijtc-1132	145	25	rejected	reject	VERB
ijtc-1132	145	26	peou	peou	ADV
ijtc-1132	145	27	-	-	PUNCT
ijtc-1132	145	28	>	>	X
ijtc-1132	145	29	adop	adop	NOUN
ijtc-1132	145	30	0.156	0.156	NUM
ijtc-1132	145	31	0.050	0.050	NUM
ijtc-1132	145	32	accepted	accept	VERB
ijtc-1132	145	33	peus	peus	NOUN
ijtc-1132	145	34	-	-	PUNCT
ijtc-1132	145	35	>	>	X
ijtc-1132	145	36	adop	adop	NOUN
ijtc-1132	145	37	0.316	0.316	NUM
ijtc-1132	145	38	0.011	0.011	NUM
ijtc-1132	145	39	accepted	accept	VERB
ijtc-1132	145	40	read	read	NOUN
ijtc-1132	145	41	-	-	PUNCT
ijtc-1132	145	42	>	>	X
ijtc-1132	145	43	adop	adop	NOUN
ijtc-1132	145	44	-0.195	-0.195	PUNCT
ijtc-1132	145	45	0.095	0.095	NUM
ijtc-1132	145	46	rejected	reject	VERB
ijtc-1132	145	47	syqu	syqu	NOUN
ijtc-1132	145	48	-	-	PUNCT
ijtc-1132	145	49	>	>	PUNCT
ijtc-1132	145	50	adop	adop	NOUN
ijtc-1132	145	51	-0.015	-0.015	ADP
ijtc-1132	145	52	0.439	0.439	NUM
ijtc-1132	145	53	rejected	reject	VERB
ijtc-1132	145	54	perceived	perceive	VERB
ijtc-1132	145	55	ease	ease	NOUN
ijtc-1132	145	56	of	of	ADP
ijtc-1132	145	57	use	use	NOUN
ijtc-1132	145	58	refers	refer	VERB
ijtc-1132	145	59	to	to	ADP
ijtc-1132	145	60	the	the	DET
ijtc-1132	145	61	subjetive	subjetive	ADJ
ijtc-1132	145	62	belief	belief	NOUN
ijtc-1132	145	63	that	that	SCONJ
ijtc-1132	145	64	individuals	individual	NOUN
ijtc-1132	145	65	do	do	AUX
ijtc-1132	145	66	not	not	PART
ijtc-1132	145	67	require	require	VERB
ijtc-1132	145	68	significant	significant	ADJ
ijtc-1132	145	69	physical	physical	ADJ
ijtc-1132	145	70	or	or	CCONJ
ijtc-1132	145	71	mental	mental	ADJ
ijtc-1132	145	72	effort	effort	NOUN
ijtc-1132	145	73	to	to	PART
ijtc-1132	145	74	use	use	VERB
ijtc-1132	145	75	a	a	DET
ijtc-1132	145	76	new	new	ADJ
ijtc-1132	145	77	technology	technology	NOUN
ijtc-1132	145	78	.	.	PUNCT
ijtc-1132	146	1	perceived	perceive	VERB
ijtc-1132	146	2	ease	ease	NOUN
ijtc-1132	146	3	of	of	ADP
ijtc-1132	146	4	use	use	NOUN
ijtc-1132	146	5	significantly	significantly	ADV
ijtc-1132	146	6	influences	influence	VERB
ijtc-1132	146	7	the	the	DET
ijtc-1132	146	8	intention	intention	NOUN
ijtc-1132	146	9	to	to	PART
ijtc-1132	146	10	use	use	VERB
ijtc-1132	146	11	an	an	DET
ijtc-1132	146	12	e	e	NOUN
ijtc-1132	146	13	-	-	NOUN
ijtc-1132	146	14	wallet	wallet	NOUN
ijtc-1132	146	15	.	.	PUNCT
ijtc-1132	147	1	the	the	DET
ijtc-1132	147	2	results	result	NOUN
ijtc-1132	147	3	of	of	ADP
ijtc-1132	147	4	this	this	DET
ijtc-1132	147	5	study	study	NOUN
ijtc-1132	147	6	are	be	AUX
ijtc-1132	147	7	also	also	ADV
ijtc-1132	147	8	in	in	ADP
ijtc-1132	147	9	line	line	NOUN
ijtc-1132	147	10	with	with	ADP
ijtc-1132	147	11	previous	previous	ADJ
ijtc-1132	147	12	research	research	NOUN
ijtc-1132	147	13	(	(	PUNCT
ijtc-1132	147	14	wu	wu	PROPN
ijtc-1132	147	15	et	et	PROPN
ijtc-1132	147	16	al	al	PROPN
ijtc-1132	147	17	.	.	PROPN
ijtc-1132	147	18	,	,	PUNCT
ijtc-1132	147	19	2016	2016	NUM
ijtc-1132	147	20	)	)	PUNCT
ijtc-1132	147	21	and	and	CCONJ
ijtc-1132	147	22	(	(	PUNCT
ijtc-1132	147	23	sun	sun	NOUN
ijtc-1132	147	24	&	&	CCONJ
ijtc-1132	147	25	havidz	havidz	PROPN
ijtc-1132	147	26	,	,	PUNCT
ijtc-1132	147	27	2019	2019	NUM
ijtc-1132	147	28	)	)	PUNCT
ijtc-1132	147	29	which	which	DET
ijtc-1132	147	30	state	state	NOUN
ijtc-1132	147	31	that	that	SCONJ
ijtc-1132	147	32	perceived	perceive	VERB
ijtc-1132	147	33	ease	ease	NOUN
ijtc-1132	147	34	of	of	ADP
ijtc-1132	147	35	use	use	NOUN
ijtc-1132	147	36	affects	affect	VERB
ijtc-1132	147	37	the	the	DET
ijtc-1132	147	38	intention	intention	NOUN
ijtc-1132	147	39	to	to	PART
ijtc-1132	147	40	use	use	VERB
ijtc-1132	147	41	.	.	PUNCT
ijtc-1132	148	1	the	the	PRON
ijtc-1132	148	2	higher	high	ADJ
ijtc-1132	148	3	the	the	DET
ijtc-1132	148	4	perceived	perceive	VERB
ijtc-1132	148	5	ease	ease	NOUN
ijtc-1132	148	6	of	of	ADP
ijtc-1132	148	7	use	use	NOUN
ijtc-1132	148	8	,	,	PUNCT
ijtc-1132	148	9	the	the	PRON
ijtc-1132	148	10	higher	high	ADJ
ijtc-1132	148	11	the	the	DET
ijtc-1132	148	12	intention	intention	NOUN
ijtc-1132	148	13	to	to	PART
ijtc-1132	148	14	use	use	VERB
ijtc-1132	148	15	it	it	PRON
ijtc-1132	148	16	.	.	PUNCT
ijtc-1132	149	1	these	these	DET
ijtc-1132	149	2	results	result	NOUN
ijtc-1132	149	3	provide	provide	VERB
ijtc-1132	149	4	an	an	DET
ijtc-1132	149	5	overview	overview	NOUN
ijtc-1132	149	6	of	of	ADP
ijtc-1132	149	7	the	the	DET
ijtc-1132	149	8	importance	importance	NOUN
ijtc-1132	149	9	of	of	ADP
ijtc-1132	149	10	perceived	perceive	VERB
ijtc-1132	149	11	ease	ease	NOUN
ijtc-1132	149	12	of	of	ADP
ijtc-1132	149	13	use	use	NOUN
ijtc-1132	149	14	for	for	SCONJ
ijtc-1132	149	15	e	e	NOUN
ijtc-1132	149	16	-	-	NOUN
ijtc-1132	149	17	wallet	wallet	NOUN
ijtc-1132	149	18	developers	developer	NOUN
ijtc-1132	149	19	to	to	PART
ijtc-1132	149	20	maintain	maintain	VERB
ijtc-1132	149	21	good	good	ADJ
ijtc-1132	149	22	consumer	consumer	NOUN
ijtc-1132	149	23	relationships	relationship	NOUN
ijtc-1132	149	24	.	.	PUNCT
ijtc-1132	150	1	digital	digital	ADJ
ijtc-1132	150	2	payments	payment	NOUN
ijtc-1132	150	3	is	be	AUX
ijtc-1132	150	4	an	an	DET
ijtc-1132	150	5	integrated	integrate	VERB
ijtc-1132	150	6	effort	effort	NOUN
ijtc-1132	150	7	to	to	PART
ijtc-1132	150	8	shift	shift	VERB
ijtc-1132	150	9	payment	payment	NOUN
ijtc-1132	150	10	methods	method	NOUN
ijtc-1132	150	11	from	from	ADP
ijtc-1132	150	12	cash	cash	NOUN
ijtc-1132	150	13	to	to	ADP
ijtc-1132	150	14	cashless	cashless	NOUN
ijtc-1132	150	15	based	base	VERB
ijtc-1132	150	16	on	on	ADP
ijtc-1132	150	17	digital	digital	ADJ
ijtc-1132	150	18	platforms	platform	NOUN
ijtc-1132	150	19	.	.	PUNCT
ijtc-1132	151	1	some	some	DET
ijtc-1132	151	2	benefits	benefit	NOUN
ijtc-1132	151	3	are	be	AUX
ijtc-1132	151	4	more	more	ADV
ijtc-1132	151	5	convenient	convenient	ADJ
ijtc-1132	151	6	,	,	PUNCT
ijtc-1132	151	7	cheaper	cheap	ADJ
ijtc-1132	151	8	or	or	CCONJ
ijtc-1132	151	9	more	more	ADV
ijtc-1132	151	10	efficient	efficient	ADJ
ijtc-1132	151	11	,	,	PUNCT
ijtc-1132	151	12	transparent	transparent	ADJ
ijtc-1132	151	13	governance	governance	NOUN
ijtc-1132	151	14	,	,	PUNCT
ijtc-1132	151	15	less	less	ADJ
ijtc-1132	151	16	conflict	conflict	NOUN
ijtc-1132	151	17	,	,	PUNCT
ijtc-1132	151	18	and	and	CCONJ
ijtc-1132	151	19	more	more	ADJ
ijtc-1132	151	20	access	access	NOUN
ijtc-1132	151	21	or	or	CCONJ
ijtc-1132	151	22	connectivity	connectivity	NOUN
ijtc-1132	151	23	(	(	PUNCT
ijtc-1132	151	24	marpaung	marpaung	PROPN
ijtc-1132	151	25	et	et	PROPN
ijtc-1132	151	26	al	al	PROPN
ijtc-1132	151	27	.	.	PROPN
ijtc-1132	151	28	,	,	PUNCT
ijtc-1132	151	29	2021	2021	NUM
ijtc-1132	151	30	)	)	PUNCT
ijtc-1132	151	31	.	.	PUNCT
ijtc-1132	152	1	in	in	ADP
ijtc-1132	152	2	addition	addition	NOUN
ijtc-1132	152	3	,	,	PUNCT
ijtc-1132	152	4	digital	digital	ADJ
ijtc-1132	152	5	transactions	transaction	NOUN
ijtc-1132	152	6	can	can	AUX
ijtc-1132	152	7	also	also	ADV
ijtc-1132	152	8	increase	increase	VERB
ijtc-1132	152	9	business	business	NOUN
ijtc-1132	152	10	productivity	productivity	NOUN
ijtc-1132	152	11	by	by	ADP
ijtc-1132	152	12	enabling	enable	VERB
ijtc-1132	152	13	business	business	NOUN
ijtc-1132	152	14	actors	actor	NOUN
ijtc-1132	152	15	to	to	PART
ijtc-1132	152	16	track	track	VERB
ijtc-1132	152	17	all	all	DET
ijtc-1132	152	18	transactions	transaction	NOUN
ijtc-1132	152	19	quickly	quickly	ADV
ijtc-1132	152	20	.	.	PUNCT
ijtc-1132	153	1	meanwhile	meanwhile	ADV
ijtc-1132	153	2	,	,	PUNCT
ijtc-1132	153	3	for	for	ADP
ijtc-1132	153	4	the	the	DET
ijtc-1132	153	5	government	government	NOUN
ijtc-1132	153	6	,	,	PUNCT
ijtc-1132	153	7	cashless	cashless	NOUN
ijtc-1132	153	8	transactions	transaction	NOUN
ijtc-1132	153	9	will	will	AUX
ijtc-1132	153	10	promote	promote	VERB
ijtc-1132	153	11	economic	economic	ADJ
ijtc-1132	153	12	efficiency	efficiency	NOUN
ijtc-1132	153	13	and	and	CCONJ
ijtc-1132	153	14	save	save	VERB
ijtc-1132	153	15	on	on	ADP
ijtc-1132	153	16	printing	printing	NOUN
ijtc-1132	153	17	costs	cost	NOUN
ijtc-1132	153	18	,	,	PUNCT
ijtc-1132	153	19	cash	cash	NOUN
ijtc-1132	153	20	distribution	distribution	NOUN
ijtc-1132	153	21	,	,	PUNCT
ijtc-1132	153	22	cash	cash	NOUN
ijtc-1132	153	23	handling	handling	NOUN
ijtc-1132	153	24	,	,	PUNCT
ijtc-1132	153	25	and	and	CCONJ
ijtc-1132	153	26	administrative	administrative	ADJ
ijtc-1132	153	27	costs	cost	NOUN
ijtc-1132	153	28	(	(	PUNCT
ijtc-1132	153	29	sudarso	sudarso	NOUN
ijtc-1132	153	30	et	et	PROPN
ijtc-1132	153	31	al	al	PROPN
ijtc-1132	153	32	.	.	PROPN
ijtc-1132	153	33	,	,	PUNCT
ijtc-1132	153	34	2020	2020	NUM
ijtc-1132	153	35	)	)	PUNCT
ijtc-1132	153	36	.	.	PUNCT
ijtc-1132	154	1	the	the	DET
ijtc-1132	154	2	government	government	NOUN
ijtc-1132	154	3	can	can	AUX
ijtc-1132	154	4	also	also	ADV
ijtc-1132	154	5	encourage	encourage	VERB
ijtc-1132	154	6	state	state	NOUN
ijtc-1132	154	7	tax	tax	NOUN
ijtc-1132	154	8	and	and	CCONJ
ijtc-1132	154	9	non	non	ADJ
ijtc-1132	154	10	-	-	ADJ
ijtc-1132	154	11	tax	tax	ADJ
ijtc-1132	154	12	revenues	revenue	NOUN
ijtc-1132	154	13	to	to	PART
ijtc-1132	154	14	record	record	VERB
ijtc-1132	154	15	all	all	DET
ijtc-1132	154	16	transactions	transaction	NOUN
ijtc-1132	154	17	to	to	PART
ijtc-1132	154	18	make	make	VERB
ijtc-1132	154	19	them	they	PRON
ijtc-1132	154	20	more	more	ADV
ijtc-1132	154	21	transparent	transparent	ADJ
ijtc-1132	154	22	and	and	CCONJ
ijtc-1132	154	23	accountable	accountable	ADJ
ijtc-1132	154	24	.	.	PUNCT
ijtc-1132	155	1	for	for	ADP
ijtc-1132	155	2	consumers	consumer	NOUN
ijtc-1132	155	3	,	,	PUNCT
ijtc-1132	155	4	non	non	ADJ
ijtc-1132	155	5	-	-	ADJ
ijtc-1132	155	6	cash	cash	ADJ
ijtc-1132	155	7	transactions	transaction	NOUN
ijtc-1132	155	8	provide	provide	VERB
ijtc-1132	155	9	ease	ease	NOUN
ijtc-1132	155	10	of	of	ADP
ijtc-1132	155	11	transaction	transaction	NOUN
ijtc-1132	155	12	at	at	ADP
ijtc-1132	155	13	low	low	ADJ
ijtc-1132	155	14	costs	cost	NOUN
ijtc-1132	155	15	.	.	PUNCT
ijtc-1132	156	1	perceived	perceive	VERB
ijtc-1132	156	2	usefulness	usefulness	NOUN
ijtc-1132	156	3	refers	refer	VERB
ijtc-1132	156	4	to	to	ADP
ijtc-1132	156	5	the	the	DET
ijtc-1132	156	6	extent	extent	NOUN
ijtc-1132	156	7	to	to	PART
ijtc-1132	156	8	which	which	PRON
ijtc-1132	156	9	individuals	individual	NOUN
ijtc-1132	156	10	believe	believe	VERB
ijtc-1132	156	11	that	that	SCONJ
ijtc-1132	156	12	their	their	PRON
ijtc-1132	156	13	performance	performance	NOUN
ijtc-1132	156	14	will	will	AUX
ijtc-1132	156	15	be	be	AUX
ijtc-1132	156	16	improved	improve	VERB
ijtc-1132	156	17	by	by	ADP
ijtc-1132	156	18	using	use	VERB
ijtc-1132	156	19	certain	certain	ADJ
ijtc-1132	156	20	technologies	technology	NOUN
ijtc-1132	156	21	.	.	PUNCT
ijtc-1132	157	1	perceived	perceive	VERB
ijtc-1132	157	2	usefulness	usefulness	NOUN
ijtc-1132	157	3	has	have	VERB
ijtc-1132	157	4	a	a	DET
ijtc-1132	157	5	significant	significant	ADJ
ijtc-1132	157	6	positive	positive	ADJ
ijtc-1132	157	7	effect	effect	NOUN
ijtc-1132	157	8	on	on	ADP
ijtc-1132	157	9	the	the	DET
ijtc-1132	157	10	intention	intention	NOUN
ijtc-1132	157	11	to	to	PART
ijtc-1132	157	12	use	use	VERB
ijtc-1132	157	13	e	e	NOUN
ijtc-1132	157	14	-	-	NOUN
ijtc-1132	157	15	wallets	wallet	NOUN
ijtc-1132	157	16	.	.	PUNCT
ijtc-1132	158	1	these	these	DET
ijtc-1132	158	2	results	result	NOUN
ijtc-1132	158	3	are	be	AUX
ijtc-1132	158	4	the	the	DET
ijtc-1132	158	5	same	same	ADJ
ijtc-1132	158	6	as	as	ADP
ijtc-1132	158	7	previous	previous	ADJ
ijtc-1132	158	8	research	research	NOUN
ijtc-1132	158	9	(	(	PUNCT
ijtc-1132	158	10	choi	choi	PROPN
ijtc-1132	158	11	&	&	CCONJ
ijtc-1132	158	12	kim	kim	PROPN
ijtc-1132	158	13	,	,	PUNCT
ijtc-1132	158	14	2016	2016	NUM
ijtc-1132	158	15	)	)	PUNCT
ijtc-1132	158	16	.	.	PUNCT
ijtc-1132	159	1	these	these	DET
ijtc-1132	159	2	results	result	NOUN
ijtc-1132	159	3	prove	prove	VERB
ijtc-1132	159	4	that	that	SCONJ
ijtc-1132	159	5	the	the	DET
ijtc-1132	159	6	perceived	perceive	VERB
ijtc-1132	159	7	usefulness	usefulness	NOUN
ijtc-1132	159	8	aspect	aspect	NOUN
ijtc-1132	159	9	is	be	AUX
ijtc-1132	159	10	an	an	DET
ijtc-1132	159	11	important	important	ADJ
ijtc-1132	159	12	factor	factor	NOUN
ijtc-1132	159	13	in	in	ADP
ijtc-1132	159	14	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	159	15	the	the	DET
ijtc-1132	159	16	determinants	determinant	NOUN
ijtc-1132	159	17	of	of	ADP
ijtc-1132	159	18	mobile	mobile	ADJ
ijtc-1132	159	19	e	e	NOUN
ijtc-1132	159	20	-	-	NOUN
ijtc-1132	159	21	wallet	wallet	NOUN
ijtc-1132	159	22	adoption	adoption	NOUN
ijtc-1132	159	23	across	across	ADP
ijtc-1132	159	24	generation	generation	NOUN
ijtc-1132	159	25	,	,	PUNCT
ijtc-1132	159	26	a	a	DET
ijtc-1132	159	27	lesson	lesson	NOUN
ijtc-1132	159	28	learned	learn	VERB
ijtc-1132	159	29	from	from	ADP
ijtc-1132	159	30	indonesia	indonesia	PROPN
ijtc-1132	159	31	arini	arini	PROPN
ijtc-1132	159	32	,	,	PUNCT
ijtc-1132	159	33	lestari	lestari	NOUN
ijtc-1132	159	34	and	and	CCONJ
ijtc-1132	159	35	hanani	hanani	NOUN
ijtc-1132	159	36	497	497	NUM
ijtc-1132	159	37	|	|	ADV
ijtc-1132	159	38	ilomata	ilomata	PROPN
ijtc-1132	159	39	international	international	ADJ
ijtc-1132	159	40	journal	journal	NOUN
ijtc-1132	159	41	of	of	ADP
ijtc-1132	159	42	tax	tax	PROPN
ijtc-1132	159	43	&	&	CCONJ
ijtc-1132	159	44	accounting	accounting	NOUN
ijtc-1132	159	45	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1132	159	46	encouraging	encourage	VERB
ijtc-1132	159	47	the	the	DET
ijtc-1132	159	48	intention	intention	NOUN
ijtc-1132	159	49	to	to	PART
ijtc-1132	159	50	use	use	VERB
ijtc-1132	159	51	e	e	NOUN
ijtc-1132	159	52	-	-	NOUN
ijtc-1132	159	53	wallet	wallet	NOUN
ijtc-1132	159	54	products	product	NOUN
ijtc-1132	159	55	.	.	PUNCT
ijtc-1132	160	1	payment	payment	NOUN
ijtc-1132	160	2	and	and	CCONJ
ijtc-1132	160	3	receipt	receipt	NOUN
ijtc-1132	160	4	of	of	ADP
ijtc-1132	160	5	money	money	NOUN
ijtc-1132	160	6	from	from	ADP
ijtc-1132	160	7	anywhere	anywhere	ADV
ijtc-1132	160	8	and	and	CCONJ
ijtc-1132	160	9	anytime	anytime	ADV
ijtc-1132	160	10	because	because	SCONJ
ijtc-1132	160	11	it	it	PRON
ijtc-1132	160	12	is	be	AUX
ijtc-1132	160	13	digital	digital	ADJ
ijtc-1132	160	14	,	,	PUNCT
ijtc-1132	160	15	customers	customer	NOUN
ijtc-1132	160	16	do	do	AUX
ijtc-1132	160	17	not	not	PART
ijtc-1132	160	18	need	need	VERB
ijtc-1132	160	19	to	to	PART
ijtc-1132	160	20	go	go	VERB
ijtc-1132	160	21	to	to	ADP
ijtc-1132	160	22	the	the	DET
ijtc-1132	160	23	counter	counter	NOUN
ijtc-1132	160	24	to	to	PART
ijtc-1132	160	25	make	make	VERB
ijtc-1132	160	26	payments	payment	NOUN
ijtc-1132	160	27	(	(	PUNCT
ijtc-1132	160	28	welly	welly	ADV
ijtc-1132	160	29	et	et	PROPN
ijtc-1132	160	30	al	al	PROPN
ijtc-1132	160	31	.	.	PROPN
ijtc-1132	160	32	,	,	PUNCT
ijtc-1132	160	33	2020	2020	NUM
ijtc-1132	160	34	)	)	PUNCT
ijtc-1132	160	35	.	.	PUNCT
ijtc-1132	161	1	generally	generally	ADV
ijtc-1132	161	2	,	,	PUNCT
ijtc-1132	161	3	people	people	NOUN
ijtc-1132	161	4	forget	forget	VERB
ijtc-1132	161	5	written	write	VERB
ijtc-1132	161	6	evidence	evidence	NOUN
ijtc-1132	161	7	of	of	ADP
ijtc-1132	161	8	money	money	NOUN
ijtc-1132	161	9	that	that	PRON
ijtc-1132	161	10	has	have	AUX
ijtc-1132	161	11	been	be	AUX
ijtc-1132	161	12	used	use	VERB
ijtc-1132	161	13	.	.	PUNCT
ijtc-1132	162	1	with	with	ADP
ijtc-1132	162	2	the	the	DET
ijtc-1132	162	3	e	e	NOUN
ijtc-1132	162	4	-	-	NOUN
ijtc-1132	162	5	wallet	wallet	NOUN
ijtc-1132	162	6	application	application	NOUN
ijtc-1132	162	7	,	,	PUNCT
ijtc-1132	162	8	this	this	DET
ijtc-1132	162	9	proof	proof	NOUN
ijtc-1132	162	10	of	of	ADP
ijtc-1132	162	11	payment	payment	NOUN
ijtc-1132	162	12	is	be	AUX
ijtc-1132	162	13	automatically	automatically	ADV
ijtc-1132	162	14	recorded	record	VERB
ijtc-1132	162	15	in	in	ADP
ijtc-1132	162	16	it	it	PRON
ijtc-1132	162	17	.	.	PUNCT
ijtc-1132	163	1	digital	digital	ADJ
ijtc-1132	163	2	payments	payment	NOUN
ijtc-1132	163	3	make	make	VERB
ijtc-1132	163	4	it	it	PRON
ijtc-1132	163	5	easier	easy	ADJ
ijtc-1132	163	6	for	for	SCONJ
ijtc-1132	163	7	customers	customer	NOUN
ijtc-1132	163	8	to	to	PART
ijtc-1132	163	9	save	save	VERB
ijtc-1132	163	10	payment	payment	NOUN
ijtc-1132	163	11	receipts	receipt	NOUN
ijtc-1132	163	12	,	,	PUNCT
ijtc-1132	163	13	manage	manage	VERB
ijtc-1132	163	14	finances	finance	NOUN
ijtc-1132	163	15	and	and	CCONJ
ijtc-1132	163	16	manage	manage	VERB
ijtc-1132	163	17	budgets	budget	NOUN
ijtc-1132	163	18	.	.	PUNCT
ijtc-1132	164	1	in	in	ADP
ijtc-1132	164	2	addition	addition	NOUN
ijtc-1132	164	3	,	,	PUNCT
ijtc-1132	164	4	using	use	VERB
ijtc-1132	164	5	e	e	NOUN
ijtc-1132	164	6	-	-	NOUN
ijtc-1132	164	7	wallet	wallet	NOUN
ijtc-1132	164	8	can	can	AUX
ijtc-1132	164	9	reduce	reduce	VERB
ijtc-1132	164	10	the	the	DET
ijtc-1132	164	11	circulation	circulation	NOUN
ijtc-1132	164	12	of	of	ADP
ijtc-1132	164	13	counterfeit	counterfeit	ADJ
ijtc-1132	164	14	money	money	NOUN
ijtc-1132	164	15	(	(	PUNCT
ijtc-1132	164	16	halim	halim	PROPN
ijtc-1132	164	17	et	et	PROPN
ijtc-1132	164	18	al	al	PROPN
ijtc-1132	164	19	.	.	PROPN
ijtc-1132	164	20	,	,	PUNCT
ijtc-1132	164	21	2020	2020	NUM
ijtc-1132	164	22	)	)	PUNCT
ijtc-1132	164	23	.	.	PUNCT
ijtc-1132	165	1	you	you	PRON
ijtc-1132	165	2	do	do	AUX
ijtc-1132	165	3	n't	not	PART
ijtc-1132	165	4	need	need	VERB
ijtc-1132	165	5	to	to	PART
ijtc-1132	165	6	think	think	VERB
ijtc-1132	165	7	about	about	ADP
ijtc-1132	165	8	giving	give	VERB
ijtc-1132	165	9	change	change	NOUN
ijtc-1132	165	10	every	every	DET
ijtc-1132	165	11	transaction	transaction	NOUN
ijtc-1132	165	12	because	because	SCONJ
ijtc-1132	165	13	the	the	DET
ijtc-1132	165	14	nominal	nominal	ADJ
ijtc-1132	165	15	transaction	transaction	NOUN
ijtc-1132	165	16	will	will	AUX
ijtc-1132	165	17	follow	follow	VERB
ijtc-1132	165	18	what	what	PRON
ijtc-1132	165	19	is	be	AUX
ijtc-1132	165	20	needed	need	VERB
ijtc-1132	165	21	.	.	PUNCT
ijtc-1132	166	1	in	in	ADP
ijtc-1132	166	2	terms	term	NOUN
ijtc-1132	166	3	of	of	ADP
ijtc-1132	166	4	flexibility	flexibility	NOUN
ijtc-1132	166	5	,	,	PUNCT
ijtc-1132	166	6	an	an	DET
ijtc-1132	166	7	e	e	NOUN
ijtc-1132	166	8	-	-	NOUN
ijtc-1132	166	9	wallet	wallet	NOUN
ijtc-1132	166	10	is	be	AUX
ijtc-1132	166	11	superior	superior	ADJ
ijtc-1132	166	12	because	because	SCONJ
ijtc-1132	166	13	it	it	PRON
ijtc-1132	166	14	can	can	AUX
ijtc-1132	166	15	be	be	AUX
ijtc-1132	166	16	used	use	VERB
ijtc-1132	166	17	in	in	ADP
ijtc-1132	166	18	various	various	ADJ
ijtc-1132	166	19	online	online	ADJ
ijtc-1132	166	20	transactions	transaction	NOUN
ijtc-1132	166	21	(	(	PUNCT
ijtc-1132	166	22	marketplaces	marketplace	NOUN
ijtc-1132	166	23	,	,	PUNCT
ijtc-1132	166	24	websites	website	NOUN
ijtc-1132	166	25	,	,	PUNCT
ijtc-1132	166	26	and	and	CCONJ
ijtc-1132	166	27	so	so	ADV
ijtc-1132	166	28	on	on	ADV
ijtc-1132	166	29	)	)	PUNCT
ijtc-1132	166	30	.	.	PUNCT
ijtc-1132	167	1	meanwhile	meanwhile	ADV
ijtc-1132	167	2	,	,	PUNCT
ijtc-1132	167	3	e	e	NOUN
ijtc-1132	167	4	-	-	NOUN
ijtc-1132	167	5	money	money	NOUN
ijtc-1132	167	6	is	be	AUX
ijtc-1132	167	7	mostly	mostly	ADV
ijtc-1132	167	8	used	use	VERB
ijtc-1132	167	9	in	in	ADP
ijtc-1132	167	10	offline	offline	ADJ
ijtc-1132	167	11	transactions	transaction	NOUN
ijtc-1132	167	12	at	at	ADP
ijtc-1132	167	13	minimarket	minimarket	NOUN
ijtc-1132	167	14	outlets	outlet	NOUN
ijtc-1132	167	15	,	,	PUNCT
ijtc-1132	167	16	toll	toll	NOUN
ijtc-1132	167	17	gates	gate	NOUN
ijtc-1132	167	18	,	,	PUNCT
ijtc-1132	167	19	public	public	ADJ
ijtc-1132	167	20	transportation	transportation	NOUN
ijtc-1132	167	21	,	,	PUNCT
ijtc-1132	167	22	etc	etc	X
ijtc-1132	167	23	.	.	X
ijtc-1132	167	24	information	information	NOUN
ijtc-1132	167	25	quality	quality	NOUN
ijtc-1132	167	26	refers	refer	VERB
ijtc-1132	167	27	to	to	ADP
ijtc-1132	167	28	the	the	DET
ijtc-1132	167	29	characteristics	characteristic	NOUN
ijtc-1132	167	30	or	or	CCONJ
ijtc-1132	167	31	characteristics	characteristic	NOUN
ijtc-1132	167	32	that	that	PRON
ijtc-1132	167	33	determine	determine	VERB
ijtc-1132	167	34	the	the	DET
ijtc-1132	167	35	value	value	NOUN
ijtc-1132	167	36	and	and	CCONJ
ijtc-1132	167	37	usefulness	usefulness	NOUN
ijtc-1132	167	38	of	of	ADP
ijtc-1132	167	39	information	information	NOUN
ijtc-1132	167	40	in	in	ADP
ijtc-1132	167	41	the	the	DET
ijtc-1132	167	42	context	context	NOUN
ijtc-1132	167	43	of	of	ADP
ijtc-1132	167	44	its	its	PRON
ijtc-1132	167	45	use	use	NOUN
ijtc-1132	167	46	.	.	PUNCT
ijtc-1132	168	1	in	in	ADP
ijtc-1132	168	2	this	this	DET
ijtc-1132	168	3	case	case	NOUN
ijtc-1132	168	4	,	,	PUNCT
ijtc-1132	168	5	information	information	NOUN
ijtc-1132	168	6	quality	quality	NOUN
ijtc-1132	168	7	reflects	reflect	VERB
ijtc-1132	168	8	how	how	SCONJ
ijtc-1132	168	9	relevant	relevant	ADJ
ijtc-1132	168	10	,	,	PUNCT
ijtc-1132	168	11	accurate	accurate	ADJ
ijtc-1132	168	12	,	,	PUNCT
ijtc-1132	168	13	reliable	reliable	ADJ
ijtc-1132	168	14	and	and	CCONJ
ijtc-1132	168	15	useful	useful	ADJ
ijtc-1132	168	16	information	information	NOUN
ijtc-1132	168	17	is	be	AUX
ijtc-1132	168	18	to	to	ADP
ijtc-1132	168	19	users	user	NOUN
ijtc-1132	168	20	(	(	PUNCT
ijtc-1132	168	21	fatmawati	fatmawati	PROPN
ijtc-1132	168	22	et	et	PROPN
ijtc-1132	168	23	al	al	PROPN
ijtc-1132	168	24	.	.	PROPN
ijtc-1132	168	25	,	,	PUNCT
ijtc-1132	168	26	2022	2022	NUM
ijtc-1132	168	27	)	)	PUNCT
ijtc-1132	168	28	.	.	PUNCT
ijtc-1132	169	1	information	information	NOUN
ijtc-1132	169	2	quality	quality	NOUN
ijtc-1132	169	3	has	have	VERB
ijtc-1132	169	4	no	no	DET
ijtc-1132	169	5	significant	significant	ADJ
ijtc-1132	169	6	effect	effect	NOUN
ijtc-1132	169	7	on	on	ADP
ijtc-1132	169	8	the	the	DET
ijtc-1132	169	9	intention	intention	NOUN
ijtc-1132	169	10	to	to	PART
ijtc-1132	169	11	use	use	VERB
ijtc-1132	169	12	e	e	NOUN
ijtc-1132	169	13	-	-	NOUN
ijtc-1132	169	14	wallets	wallet	NOUN
ijtc-1132	169	15	.	.	PUNCT
ijtc-1132	170	1	users	user	NOUN
ijtc-1132	170	2	always	always	ADV
ijtc-1132	170	3	expect	expect	VERB
ijtc-1132	170	4	to	to	PART
ijtc-1132	170	5	receive	receive	VERB
ijtc-1132	170	6	accurate	accurate	ADJ
ijtc-1132	170	7	,	,	PUNCT
ijtc-1132	170	8	relevant	relevant	ADJ
ijtc-1132	170	9	,	,	PUNCT
ijtc-1132	170	10	and	and	CCONJ
ijtc-1132	170	11	up	up	ADP
ijtc-1132	170	12	-	-	PUNCT
ijtc-1132	170	13	to	to	ADP
ijtc-1132	170	14	-	-	PUNCT
ijtc-1132	170	15	date	date	NOUN
ijtc-1132	170	16	information	information	NOUN
ijtc-1132	170	17	from	from	ADP
ijtc-1132	170	18	e	e	NOUN
ijtc-1132	170	19	-	-	NOUN
ijtc-1132	170	20	wallets	wallet	NOUN
ijtc-1132	170	21	and	and	CCONJ
ijtc-1132	170	22	foster	foster	ADJ
ijtc-1132	170	23	long	long	ADJ
ijtc-1132	170	24	-	-	PUNCT
ijtc-1132	170	25	term	term	NOUN
ijtc-1132	170	26	relationships	relationship	NOUN
ijtc-1132	170	27	after	after	ADP
ijtc-1132	170	28	receiving	receive	VERB
ijtc-1132	170	29	quality	quality	NOUN
ijtc-1132	170	30	information	information	NOUN
ijtc-1132	170	31	.	.	PUNCT
ijtc-1132	171	1	because	because	SCONJ
ijtc-1132	171	2	high	high	ADJ
ijtc-1132	171	3	-	-	PUNCT
ijtc-1132	171	4	quality	quality	NOUN
ijtc-1132	171	5	information	information	NOUN
ijtc-1132	171	6	can	can	AUX
ijtc-1132	171	7	improve	improve	VERB
ijtc-1132	171	8	customer	customer	NOUN
ijtc-1132	171	9	experience	experience	NOUN
ijtc-1132	171	10	,	,	PUNCT
ijtc-1132	171	11	reduce	reduce	VERB
ijtc-1132	171	12	operational	operational	ADJ
ijtc-1132	171	13	difficulties	difficulty	NOUN
ijtc-1132	171	14	,	,	PUNCT
ijtc-1132	171	15	and	and	CCONJ
ijtc-1132	171	16	strengthen	strengthen	VERB
ijtc-1132	171	17	long	long	ADJ
ijtc-1132	171	18	-	-	PUNCT
ijtc-1132	171	19	term	term	NOUN
ijtc-1132	171	20	relationships	relationship	NOUN
ijtc-1132	171	21	.	.	PUNCT
ijtc-1132	172	1	the	the	DET
ijtc-1132	172	2	quality	quality	NOUN
ijtc-1132	172	3	of	of	ADP
ijtc-1132	172	4	information	information	NOUN
ijtc-1132	172	5	in	in	ADP
ijtc-1132	172	6	this	this	DET
ijtc-1132	172	7	study	study	NOUN
ijtc-1132	172	8	has	have	AUX
ijtc-1132	172	9	not	not	PART
ijtc-1132	172	10	been	be	AUX
ijtc-1132	172	11	able	able	ADJ
ijtc-1132	172	12	to	to	PART
ijtc-1132	172	13	act	act	VERB
ijtc-1132	172	14	as	as	ADP
ijtc-1132	172	15	a	a	DET
ijtc-1132	172	16	creative	creative	ADJ
ijtc-1132	172	17	solution	solution	NOUN
ijtc-1132	172	18	while	while	SCONJ
ijtc-1132	172	19	not	not	PART
ijtc-1132	172	20	fostering	foster	VERB
ijtc-1132	172	21	satisfaction	satisfaction	NOUN
ijtc-1132	172	22	and	and	CCONJ
ijtc-1132	172	23	sustainable	sustainable	ADJ
ijtc-1132	172	24	intentions	intention	NOUN
ijtc-1132	172	25	of	of	ADP
ijtc-1132	172	26	e	e	NOUN
ijtc-1132	172	27	-	-	NOUN
ijtc-1132	172	28	wallet	wallet	NOUN
ijtc-1132	172	29	users	user	NOUN
ijtc-1132	172	30	by	by	ADP
ijtc-1132	172	31	providing	provide	VERB
ijtc-1132	172	32	access	access	NOUN
ijtc-1132	172	33	to	to	ADP
ijtc-1132	172	34	relevant	relevant	ADJ
ijtc-1132	172	35	information	information	NOUN
ijtc-1132	172	36	in	in	ADP
ijtc-1132	172	37	real	real	ADJ
ijtc-1132	172	38	time	time	NOUN
ijtc-1132	172	39	.	.	PUNCT
ijtc-1132	173	1	especially	especially	ADV
ijtc-1132	173	2	e	e	NOUN
ijtc-1132	173	3	-	-	NOUN
ijtc-1132	173	4	wallet	wallet	NOUN
ijtc-1132	173	5	users	user	NOUN
ijtc-1132	173	6	in	in	ADP
ijtc-1132	173	7	west	west	PROPN
ijtc-1132	173	8	nusa	nusa	PROPN
ijtc-1132	173	9	tenggara	tenggara	PROPN
ijtc-1132	173	10	province	province	PROPN
ijtc-1132	173	11	have	have	AUX
ijtc-1132	173	12	not	not	PART
ijtc-1132	173	13	considered	consider	VERB
ijtc-1132	173	14	information	information	NOUN
ijtc-1132	173	15	quality	quality	NOUN
ijtc-1132	173	16	as	as	ADP
ijtc-1132	173	17	a	a	DET
ijtc-1132	173	18	major	major	ADJ
ijtc-1132	173	19	factor	factor	NOUN
ijtc-1132	173	20	in	in	ADP
ijtc-1132	173	21	sustainable	sustainable	ADJ
ijtc-1132	173	22	use	use	NOUN
ijtc-1132	173	23	intentions	intention	NOUN
ijtc-1132	173	24	.	.	PUNCT
ijtc-1132	174	1	good	good	ADJ
ijtc-1132	174	2	or	or	CCONJ
ijtc-1132	174	3	bad	bad	ADJ
ijtc-1132	174	4	information	information	NOUN
ijtc-1132	174	5	does	do	AUX
ijtc-1132	174	6	not	not	PART
ijtc-1132	174	7	affect	affect	VERB
ijtc-1132	174	8	users	user	NOUN
ijtc-1132	174	9	'	'	PART
ijtc-1132	174	10	intention	intention	NOUN
ijtc-1132	174	11	to	to	PART
ijtc-1132	174	12	reuse	reuse	VERB
ijtc-1132	174	13	it	it	PRON
ijtc-1132	174	14	.	.	PUNCT
ijtc-1132	175	1	users	user	NOUN
ijtc-1132	175	2	do	do	AUX
ijtc-1132	175	3	not	not	PART
ijtc-1132	175	4	pay	pay	VERB
ijtc-1132	175	5	attention	attention	NOUN
ijtc-1132	175	6	to	to	ADP
ijtc-1132	175	7	the	the	DET
ijtc-1132	175	8	quality	quality	NOUN
ijtc-1132	175	9	of	of	ADP
ijtc-1132	175	10	information	information	NOUN
ijtc-1132	175	11	because	because	SCONJ
ijtc-1132	175	12	they	they	PRON
ijtc-1132	175	13	are	be	AUX
ijtc-1132	175	14	more	more	ADV
ijtc-1132	175	15	concerned	concerned	ADJ
ijtc-1132	175	16	with	with	ADP
ijtc-1132	175	17	the	the	DET
ijtc-1132	175	18	basic	basic	ADJ
ijtc-1132	175	19	needs	need	NOUN
ijtc-1132	175	20	of	of	ADP
ijtc-1132	175	21	using	use	VERB
ijtc-1132	175	22	technology	technology	NOUN
ijtc-1132	175	23	,	,	PUNCT
ijtc-1132	175	24	such	such	ADJ
ijtc-1132	175	25	as	as	ADP
ijtc-1132	175	26	maintaining	maintain	VERB
ijtc-1132	175	27	security	security	NOUN
ijtc-1132	175	28	(	(	PUNCT
ijtc-1132	175	29	sukma	sukma	NOUN
ijtc-1132	175	30	et	et	NOUN
ijtc-1132	175	31	al	al	PROPN
ijtc-1132	175	32	.	.	PROPN
ijtc-1132	175	33	,	,	PUNCT
ijtc-1132	175	34	2024	2024	NUM
ijtc-1132	175	35	)	)	PUNCT
ijtc-1132	175	36	.	.	PUNCT
ijtc-1132	176	1	furthermore	furthermore	ADV
ijtc-1132	176	2	,	,	PUNCT
ijtc-1132	176	3	payment	payment	NOUN
ijtc-1132	176	4	systems	system	NOUN
ijtc-1132	176	5	that	that	PRON
ijtc-1132	176	6	are	be	AUX
ijtc-1132	176	7	integrated	integrate	VERB
ijtc-1132	176	8	with	with	ADP
ijtc-1132	176	9	e	e	NOUN
ijtc-1132	176	10	-	-	NOUN
ijtc-1132	176	11	wallets	wallet	NOUN
ijtc-1132	176	12	encourage	encourage	VERB
ijtc-1132	176	13	the	the	DET
ijtc-1132	176	14	creation	creation	NOUN
ijtc-1132	176	15	of	of	ADP
ijtc-1132	176	16	habits	habit	NOUN
ijtc-1132	176	17	to	to	PART
ijtc-1132	176	18	use	use	VERB
ijtc-1132	176	19	them	they	PRON
ijtc-1132	176	20	frequently	frequently	ADV
ijtc-1132	176	21	.	.	PUNCT
ijtc-1132	177	1	this	this	DET
ijtc-1132	177	2	study	study	NOUN
ijtc-1132	177	3	agrees	agree	VERB
ijtc-1132	177	4	with	with	ADP
ijtc-1132	177	5	previous	previous	ADJ
ijtc-1132	177	6	research	research	NOUN
ijtc-1132	177	7	(	(	PUNCT
ijtc-1132	177	8	abidin	abidin	PROPN
ijtc-1132	177	9	et	et	PROPN
ijtc-1132	177	10	al	al	PROPN
ijtc-1132	177	11	.	.	PROPN
ijtc-1132	177	12	,	,	PUNCT
ijtc-1132	177	13	2023	2023	NUM
ijtc-1132	177	14	)	)	PUNCT
ijtc-1132	177	15	system	system	NOUN
ijtc-1132	177	16	quality	quality	NOUN
ijtc-1132	177	17	refers	refer	VERB
ijtc-1132	177	18	to	to	ADP
ijtc-1132	177	19	how	how	SCONJ
ijtc-1132	177	20	well	well	ADV
ijtc-1132	177	21	the	the	DET
ijtc-1132	177	22	characteristics	characteristic	NOUN
ijtc-1132	177	23	of	of	ADP
ijtc-1132	177	24	hardware	hardware	NOUN
ijtc-1132	177	25	,	,	PUNCT
ijtc-1132	177	26	software	software	NOUN
ijtc-1132	177	27	,	,	PUNCT
ijtc-1132	177	28	policies	policy	NOUN
ijtc-1132	177	29	,	,	PUNCT
ijtc-1132	177	30	and	and	CCONJ
ijtc-1132	177	31	procedures	procedure	NOUN
ijtc-1132	177	32	of	of	ADP
ijtc-1132	177	33	an	an	DET
ijtc-1132	177	34	information	information	NOUN
ijtc-1132	177	35	system	system	NOUN
ijtc-1132	177	36	can	can	AUX
ijtc-1132	177	37	provide	provide	VERB
ijtc-1132	177	38	the	the	DET
ijtc-1132	177	39	information	information	NOUN
ijtc-1132	177	40	needed	need	VERB
ijtc-1132	177	41	by	by	ADP
ijtc-1132	177	42	users	user	NOUN
ijtc-1132	177	43	(	(	PUNCT
ijtc-1132	177	44	d.	d.	PROPN
ijtc-1132	177	45	hidayat	hidayat	PROPN
ijtc-1132	177	46	et	et	PROPN
ijtc-1132	177	47	al	al	PROPN
ijtc-1132	177	48	.	.	PROPN
ijtc-1132	177	49	,	,	PUNCT
ijtc-1132	177	50	2021	2021	NUM
ijtc-1132	177	51	)	)	PUNCT
ijtc-1132	177	52	.	.	PUNCT
ijtc-1132	178	1	system	system	NOUN
ijtc-1132	178	2	quality	quality	NOUN
ijtc-1132	178	3	does	do	AUX
ijtc-1132	178	4	not	not	PART
ijtc-1132	178	5	significantly	significantly	ADV
ijtc-1132	178	6	affect	affect	VERB
ijtc-1132	178	7	the	the	DET
ijtc-1132	178	8	intention	intention	NOUN
ijtc-1132	178	9	to	to	PART
ijtc-1132	178	10	use	use	VERB
ijtc-1132	178	11	e	e	NOUN
ijtc-1132	178	12	-	-	NOUN
ijtc-1132	178	13	wallets	wallet	NOUN
ijtc-1132	178	14	.	.	PUNCT
ijtc-1132	179	1	if	if	SCONJ
ijtc-1132	179	2	the	the	DET
ijtc-1132	179	3	quality	quality	NOUN
ijtc-1132	179	4	of	of	ADP
ijtc-1132	179	5	service	service	NOUN
ijtc-1132	179	6	from	from	ADP
ijtc-1132	179	7	using	use	VERB
ijtc-1132	179	8	e	e	NOUN
ijtc-1132	179	9	-	-	NOUN
ijtc-1132	179	10	wallets	wallet	NOUN
ijtc-1132	179	11	is	be	AUX
ijtc-1132	179	12	getting	get	VERB
ijtc-1132	179	13	lower	low	ADJ
ijtc-1132	179	14	,	,	PUNCT
ijtc-1132	179	15	the	the	PRON
ijtc-1132	179	16	lower	low	ADJ
ijtc-1132	179	17	the	the	DET
ijtc-1132	179	18	people	people	NOUN
ijtc-1132	179	19	who	who	PRON
ijtc-1132	179	20	decide	decide	VERB
ijtc-1132	179	21	to	to	PART
ijtc-1132	179	22	use	use	VERB
ijtc-1132	179	23	e	e	NOUN
ijtc-1132	179	24	-	-	NOUN
ijtc-1132	179	25	wallets	wallet	NOUN
ijtc-1132	179	26	in	in	ADP
ijtc-1132	179	27	financial	financial	ADJ
ijtc-1132	179	28	transactions	transaction	NOUN
ijtc-1132	179	29	.	.	PUNCT
ijtc-1132	180	1	if	if	SCONJ
ijtc-1132	180	2	the	the	DET
ijtc-1132	180	3	quality	quality	NOUN
ijtc-1132	180	4	of	of	ADP
ijtc-1132	180	5	service	service	NOUN
ijtc-1132	180	6	obtained	obtain	VERB
ijtc-1132	180	7	when	when	SCONJ
ijtc-1132	180	8	using	use	VERB
ijtc-1132	180	9	an	an	DET
ijtc-1132	180	10	e	e	NOUN
ijtc-1132	180	11	-	-	NOUN
ijtc-1132	180	12	wallet	wallet	NOUN
ijtc-1132	180	13	decreases	decrease	VERB
ijtc-1132	180	14	,	,	PUNCT
ijtc-1132	180	15	then	then	ADV
ijtc-1132	180	16	people	people	NOUN
ijtc-1132	180	17	's	's	PART
ijtc-1132	180	18	decisions	decision	NOUN
ijtc-1132	180	19	to	to	PART
ijtc-1132	180	20	use	use	VERB
ijtc-1132	180	21	e	e	NOUN
ijtc-1132	180	22	-	-	NOUN
ijtc-1132	180	23	wallets	wallet	NOUN
ijtc-1132	180	24	also	also	ADV
ijtc-1132	180	25	decrease	decrease	VERB
ijtc-1132	180	26	.	.	PUNCT
ijtc-1132	181	1	this	this	PRON
ijtc-1132	181	2	is	be	AUX
ijtc-1132	181	3	caused	cause	VERB
ijtc-1132	181	4	by	by	ADP
ijtc-1132	181	5	people	people	NOUN
ijtc-1132	181	6	who	who	PRON
ijtc-1132	181	7	receive	receive	VERB
ijtc-1132	181	8	poor	poor	ADJ
ijtc-1132	181	9	quality	quality	NOUN
ijtc-1132	181	10	of	of	ADP
ijtc-1132	181	11	service	service	NOUN
ijtc-1132	181	12	when	when	SCONJ
ijtc-1132	181	13	making	make	VERB
ijtc-1132	181	14	financial	financial	ADJ
ijtc-1132	181	15	transactions	transaction	NOUN
ijtc-1132	181	16	with	with	ADP
ijtc-1132	181	17	e	e	NOUN
ijtc-1132	181	18	-	-	NOUN
ijtc-1132	181	19	wallets	wallet	NOUN
ijtc-1132	181	20	.	.	PUNCT
ijtc-1132	182	1	the	the	DET
ijtc-1132	182	2	use	use	NOUN
ijtc-1132	182	3	of	of	ADP
ijtc-1132	182	4	e	e	NOUN
ijtc-1132	182	5	-	-	NOUN
ijtc-1132	182	6	wallets	wallet	NOUN
ijtc-1132	182	7	has	have	VERB
ijtc-1132	182	8	poor	poor	ADJ
ijtc-1132	182	9	service	service	NOUN
ijtc-1132	182	10	quality	quality	NOUN
ijtc-1132	182	11	in	in	ADP
ijtc-1132	182	12	making	make	VERB
ijtc-1132	182	13	payments	payment	NOUN
ijtc-1132	182	14	because	because	SCONJ
ijtc-1132	182	15	it	it	PRON
ijtc-1132	182	16	has	have	AUX
ijtc-1132	182	17	not	not	PART
ijtc-1132	182	18	been	be	AUX
ijtc-1132	182	19	able	able	ADJ
ijtc-1132	182	20	to	to	PART
ijtc-1132	182	21	provide	provide	VERB
ijtc-1132	182	22	good	good	ADJ
ijtc-1132	182	23	responsiveness	responsiveness	NOUN
ijtc-1132	182	24	regarding	regard	VERB
ijtc-1132	182	25	product	product	NOUN
ijtc-1132	182	26	or	or	CCONJ
ijtc-1132	182	27	service	service	NOUN
ijtc-1132	182	28	information	information	NOUN
ijtc-1132	182	29	,	,	PUNCT
ijtc-1132	182	30	has	have	AUX
ijtc-1132	182	31	not	not	PART
ijtc-1132	182	32	had	have	VERB
ijtc-1132	182	33	a	a	DET
ijtc-1132	182	34	variety	variety	NOUN
ijtc-1132	182	35	of	of	ADP
ijtc-1132	182	36	transaction	transaction	NOUN
ijtc-1132	182	37	services	service	NOUN
ijtc-1132	182	38	that	that	PRON
ijtc-1132	182	39	can	can	AUX
ijtc-1132	182	40	meet	meet	VERB
ijtc-1132	182	41	consumer	consumer	NOUN
ijtc-1132	182	42	needs	need	NOUN
ijtc-1132	182	43	,	,	PUNCT
ijtc-1132	182	44	the	the	DET
ijtc-1132	182	45	features	feature	NOUN
ijtc-1132	182	46	provided	provide	VERB
ijtc-1132	182	47	have	have	AUX
ijtc-1132	182	48	not	not	PART
ijtc-1132	182	49	been	be	AUX
ijtc-1132	182	50	able	able	ADJ
ijtc-1132	182	51	to	to	PART
ijtc-1132	182	52	fulfill	fulfill	VERB
ijtc-1132	182	53	transaction	transaction	NOUN
ijtc-1132	182	54	activities	activity	NOUN
ijtc-1132	182	55	,	,	PUNCT
ijtc-1132	182	56	and	and	CCONJ
ijtc-1132	182	57	ewallets	ewallet	NOUN
ijtc-1132	182	58	have	have	AUX
ijtc-1132	182	59	not	not	PART
ijtc-1132	182	60	been	be	AUX
ijtc-1132	182	61	able	able	ADJ
ijtc-1132	182	62	to	to	PART
ijtc-1132	182	63	continue	continue	VERB
ijtc-1132	182	64	to	to	PART
ijtc-1132	182	65	improve	improve	VERB
ijtc-1132	182	66	their	their	PRON
ijtc-1132	182	67	service	service	NOUN
ijtc-1132	182	68	innovation	innovation	NOUN
ijtc-1132	182	69	.	.	PUNCT
ijtc-1132	183	1	this	this	DET
ijtc-1132	183	2	research	research	NOUN
ijtc-1132	183	3	contradicts	contradict	VERB
ijtc-1132	183	4	previous	previous	ADJ
ijtc-1132	183	5	research	research	NOUN
ijtc-1132	183	6	by	by	ADP
ijtc-1132	183	7	(	(	PUNCT
ijtc-1132	183	8	setiawan	setiawan	PROPN
ijtc-1132	183	9	et	et	PROPN
ijtc-1132	183	10	al	al	PROPN
ijtc-1132	183	11	.	.	PROPN
ijtc-1132	183	12	,	,	PUNCT
ijtc-1132	183	13	2022	2022	NUM
ijtc-1132	183	14	)	)	PUNCT
ijtc-1132	183	15	,	,	PUNCT
ijtc-1132	183	16	(	(	PUNCT
ijtc-1132	183	17	endriyanto	endriyanto	NOUN
ijtc-1132	183	18	&	&	CCONJ
ijtc-1132	183	19	indrarini	indrarini	NOUN
ijtc-1132	183	20	,	,	PUNCT
ijtc-1132	183	21	2022	2022	NUM
ijtc-1132	183	22	)	)	PUNCT
ijtc-1132	183	23	and	and	CCONJ
ijtc-1132	183	24	(	(	PUNCT
ijtc-1132	183	25	sulaiman	sulaiman	PROPN
ijtc-1132	183	26	et	et	PROPN
ijtc-1132	183	27	al	al	PROPN
ijtc-1132	183	28	.	.	PROPN
ijtc-1132	183	29	,	,	PUNCT
ijtc-1132	183	30	2023	2023	NUM
ijtc-1132	183	31	)	)	PUNCT
ijtc-1132	183	32	.	.	PUNCT
ijtc-1132	184	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	184	2	the	the	DET
ijtc-1132	184	3	determinants	determinant	NOUN
ijtc-1132	184	4	of	of	ADP
ijtc-1132	184	5	mobile	mobile	ADJ
ijtc-1132	184	6	e	e	NOUN
ijtc-1132	184	7	-	-	NOUN
ijtc-1132	184	8	wallet	wallet	NOUN
ijtc-1132	184	9	adoption	adoption	NOUN
ijtc-1132	184	10	across	across	ADP
ijtc-1132	184	11	generation	generation	NOUN
ijtc-1132	184	12	,	,	PUNCT
ijtc-1132	184	13	a	a	DET
ijtc-1132	184	14	lesson	lesson	NOUN
ijtc-1132	184	15	learned	learn	VERB
ijtc-1132	184	16	from	from	ADP
ijtc-1132	184	17	indonesia	indonesia	PROPN
ijtc-1132	184	18	arini	arini	PROPN
ijtc-1132	184	19	,	,	PUNCT
ijtc-1132	184	20	lestari	lestari	NOUN
ijtc-1132	184	21	and	and	CCONJ
ijtc-1132	184	22	hanani	hanani	NOUN
ijtc-1132	184	23	498	498	NUM
ijtc-1132	184	24	|	|	ADV
ijtc-1132	184	25	ilomata	ilomata	VERB
ijtc-1132	184	26	international	international	ADJ
ijtc-1132	184	27	journal	journal	NOUN
ijtc-1132	184	28	of	of	ADP
ijtc-1132	184	29	tax	tax	PROPN
ijtc-1132	184	30	&	&	CCONJ
ijtc-1132	184	31	accounting	account	VERB
ijtc-1132	184	32	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1132	184	33	conclusion	conclusion	NOUN
ijtc-1132	184	34	this	this	DET
ijtc-1132	184	35	study	study	NOUN
ijtc-1132	184	36	aims	aim	VERB
ijtc-1132	184	37	to	to	PART
ijtc-1132	184	38	investigate	investigate	VERB
ijtc-1132	184	39	and	and	CCONJ
ijtc-1132	184	40	determine	determine	VERB
ijtc-1132	184	41	the	the	DET
ijtc-1132	184	42	factors	factor	NOUN
ijtc-1132	184	43	that	that	PRON
ijtc-1132	184	44	influence	influence	VERB
ijtc-1132	184	45	e	e	NOUN
ijtc-1132	184	46	-	-	NOUN
ijtc-1132	184	47	wallet	wallet	NOUN
ijtc-1132	184	48	adoption	adoption	NOUN
ijtc-1132	184	49	across	across	ADP
ijtc-1132	184	50	generations	generation	NOUN
ijtc-1132	184	51	in	in	ADP
ijtc-1132	184	52	west	west	PROPN
ijtc-1132	184	53	nusa	nusa	PROPN
ijtc-1132	184	54	tenggara	tenggara	PROPN
ijtc-1132	184	55	province	province	PROPN
ijtc-1132	184	56	.	.	PUNCT
ijtc-1132	185	1	from	from	ADP
ijtc-1132	185	2	previous	previous	ADJ
ijtc-1132	185	3	research	research	NOUN
ijtc-1132	185	4	,	,	PUNCT
ijtc-1132	185	5	six	six	NUM
ijtc-1132	185	6	hypotheses	hypothesis	NOUN
ijtc-1132	185	7	were	be	AUX
ijtc-1132	185	8	developed	develop	VERB
ijtc-1132	185	9	.	.	PUNCT
ijtc-1132	186	1	the	the	DET
ijtc-1132	186	2	research	research	NOUN
ijtc-1132	186	3	model	model	NOUN
ijtc-1132	186	4	utilizes	utilize	VERB
ijtc-1132	186	5	the	the	DET
ijtc-1132	186	6	dit	dit	PROPN
ijtc-1132	186	7	,	,	PUNCT
ijtc-1132	186	8	tam	tam	PROPN
ijtc-1132	186	9	,	,	PUNCT
ijtc-1132	186	10	and	and	CCONJ
ijtc-1132	186	11	issm	issm	PROPN
ijtc-1132	186	12	frameworks	framework	NOUN
ijtc-1132	186	13	.	.	PUNCT
ijtc-1132	187	1	a	a	DET
ijtc-1132	187	2	survey	survey	NOUN
ijtc-1132	187	3	was	be	AUX
ijtc-1132	187	4	used	use	VERB
ijtc-1132	187	5	to	to	PART
ijtc-1132	187	6	collect	collect	VERB
ijtc-1132	187	7	empirical	empirical	ADJ
ijtc-1132	187	8	data	datum	NOUN
ijtc-1132	187	9	from	from	ADP
ijtc-1132	187	10	200	200	NUM
ijtc-1132	187	11	e	e	NOUN
ijtc-1132	187	12	-	-	NOUN
ijtc-1132	187	13	wallet	wallet	NOUN
ijtc-1132	187	14	users	user	NOUN
ijtc-1132	187	15	in	in	ADP
ijtc-1132	187	16	west	west	PROPN
ijtc-1132	187	17	nusa	nusa	PROPN
ijtc-1132	187	18	tenggara	tenggara	NOUN
ijtc-1132	187	19	and	and	CCONJ
ijtc-1132	187	20	test	test	VERB
ijtc-1132	187	21	the	the	DET
ijtc-1132	187	22	model	model	NOUN
ijtc-1132	187	23	.	.	PUNCT
ijtc-1132	188	1	the	the	DET
ijtc-1132	188	2	findings	finding	NOUN
ijtc-1132	188	3	of	of	ADP
ijtc-1132	188	4	this	this	DET
ijtc-1132	188	5	study	study	NOUN
ijtc-1132	188	6	indicate	indicate	VERB
ijtc-1132	188	7	that	that	SCONJ
ijtc-1132	188	8	three	three	NUM
ijtc-1132	188	9	factors	factor	NOUN
ijtc-1132	188	10	namely	namely	ADV
ijtc-1132	188	11	perceived	perceive	VERB
ijtc-1132	188	12	ease	ease	NOUN
ijtc-1132	188	13	of	of	ADP
ijtc-1132	188	14	use	use	NOUN
ijtc-1132	188	15	,	,	PUNCT
ijtc-1132	188	16	perceived	perceive	VERB
ijtc-1132	188	17	usefulness	usefulness	NOUN
ijtc-1132	188	18	and	and	CCONJ
ijtc-1132	188	19	service	service	NOUN
ijtc-1132	188	20	quality	quality	NOUN
ijtc-1132	188	21	have	have	VERB
ijtc-1132	188	22	a	a	DET
ijtc-1132	188	23	positive	positive	ADJ
ijtc-1132	188	24	effect	effect	NOUN
ijtc-1132	188	25	on	on	ADP
ijtc-1132	188	26	e	e	NOUN
ijtc-1132	188	27	-	-	NOUN
ijtc-1132	188	28	wallet	wallet	NOUN
ijtc-1132	188	29	adoption	adoption	NOUN
ijtc-1132	188	30	.	.	PUNCT
ijtc-1132	189	1	conversely	conversely	ADV
ijtc-1132	189	2	,	,	PUNCT
ijtc-1132	189	3	observability	observability	NOUN
ijtc-1132	189	4	,	,	PUNCT
ijtc-1132	189	5	relative	relative	ADJ
ijtc-1132	189	6	advantage	advantage	NOUN
ijtc-1132	189	7	,	,	PUNCT
ijtc-1132	189	8	information	information	NOUN
ijtc-1132	189	9	quality	quality	NOUN
ijtc-1132	189	10	,	,	PUNCT
ijtc-1132	189	11	and	and	CCONJ
ijtc-1132	189	12	system	system	NOUN
ijtc-1132	189	13	quality	quality	NOUN
ijtc-1132	189	14	were	be	AUX
ijtc-1132	189	15	found	find	VERB
ijtc-1132	189	16	not	not	PART
ijtc-1132	189	17	to	to	PART
ijtc-1132	189	18	significantly	significantly	ADV
ijtc-1132	189	19	affect	affect	VERB
ijtc-1132	189	20	e	e	NOUN
ijtc-1132	189	21	-	-	NOUN
ijtc-1132	189	22	wallet	wallet	NOUN
ijtc-1132	189	23	adoption	adoption	NOUN
ijtc-1132	189	24	in	in	ADP
ijtc-1132	189	25	west	west	PROPN
ijtc-1132	189	26	nusa	nusa	PROPN
ijtc-1132	189	27	tengara	tengara	PROPN
ijtc-1132	189	28	.	.	PUNCT
ijtc-1132	190	1	the	the	DET
ijtc-1132	190	2	limitations	limitation	NOUN
ijtc-1132	190	3	of	of	ADP
ijtc-1132	190	4	the	the	DET
ijtc-1132	190	5	study	study	NOUN
ijtc-1132	190	6	are	be	AUX
ijtc-1132	190	7	described	describe	VERB
ijtc-1132	190	8	as	as	ADP
ijtc-1132	190	9	follows	follow	VERB
ijtc-1132	190	10	.	.	PUNCT
ijtc-1132	191	1	(	(	PUNCT
ijtc-1132	191	2	1	1	X
ijtc-1132	191	3	)	)	PUNCT
ijtc-1132	191	4	bias	bias	NOUN
ijtc-1132	191	5	that	that	PRON
ijtc-1132	191	6	may	may	AUX
ijtc-1132	191	7	be	be	AUX
ijtc-1132	191	8	obtained	obtain	VERB
ijtc-1132	191	9	from	from	ADP
ijtc-1132	191	10	filling	fill	VERB
ijtc-1132	191	11	out	out	ADP
ijtc-1132	191	12	the	the	DET
ijtc-1132	191	13	questionnaire	questionnaire	NOUN
ijtc-1132	191	14	due	due	ADP
ijtc-1132	191	15	to	to	ADP
ijtc-1132	191	16	respondents	respondent	NOUN
ijtc-1132	191	17	who	who	PRON
ijtc-1132	191	18	are	be	AUX
ijtc-1132	191	19	less	less	ADV
ijtc-1132	191	20	serious	serious	ADJ
ijtc-1132	191	21	in	in	ADP
ijtc-1132	191	22	giving	give	VERB
ijtc-1132	191	23	their	their	PRON
ijtc-1132	191	24	answers	answer	NOUN
ijtc-1132	191	25	;	;	PUNCT
ijtc-1132	191	26	(	(	PUNCT
ijtc-1132	191	27	2	2	X
ijtc-1132	191	28	)	)	PUNCT
ijtc-1132	191	29	researchers	researcher	NOUN
ijtc-1132	191	30	did	do	AUX
ijtc-1132	191	31	not	not	PART
ijtc-1132	191	32	conduct	conduct	VERB
ijtc-1132	191	33	interviews	interview	NOUN
ijtc-1132	191	34	with	with	ADP
ijtc-1132	191	35	consumers	consumer	NOUN
ijtc-1132	191	36	so	so	SCONJ
ijtc-1132	191	37	that	that	SCONJ
ijtc-1132	191	38	the	the	DET
ijtc-1132	191	39	results	result	NOUN
ijtc-1132	191	40	obtained	obtain	VERB
ijtc-1132	191	41	were	be	AUX
ijtc-1132	191	42	only	only	ADV
ijtc-1132	191	43	based	base	VERB
ijtc-1132	191	44	on	on	ADP
ijtc-1132	191	45	questionnaire	questionnaire	NOUN
ijtc-1132	191	46	items	item	NOUN
ijtc-1132	191	47	;	;	PUNCT
ijtc-1132	191	48	(	(	PUNCT
ijtc-1132	191	49	3	3	X
ijtc-1132	191	50	)	)	PUNCT
ijtc-1132	191	51	the	the	DET
ijtc-1132	191	52	study	study	NOUN
ijtc-1132	191	53	used	use	VERB
ijtc-1132	191	54	a	a	DET
ijtc-1132	191	55	composite	composite	ADJ
ijtc-1132	191	56	model	model	NOUN
ijtc-1132	191	57	so	so	SCONJ
ijtc-1132	191	58	that	that	SCONJ
ijtc-1132	191	59	it	it	PRON
ijtc-1132	191	60	only	only	ADV
ijtc-1132	191	61	discussed	discuss	VERB
ijtc-1132	191	62	the	the	DET
ijtc-1132	191	63	variables	variable	NOUN
ijtc-1132	191	64	that	that	PRON
ijtc-1132	191	65	had	have	AUX
ijtc-1132	191	66	been	be	AUX
ijtc-1132	191	67	set	set	VERB
ijtc-1132	191	68	in	in	ADP
ijtc-1132	191	69	the	the	DET
ijtc-1132	191	70	model	model	NOUN
ijtc-1132	191	71	.	.	PUNCT
ijtc-1132	192	1	the	the	DET
ijtc-1132	192	2	implications	implication	NOUN
ijtc-1132	192	3	of	of	ADP
ijtc-1132	192	4	other	other	ADJ
ijtc-1132	192	5	variables	variable	NOUN
ijtc-1132	192	6	outside	outside	ADP
ijtc-1132	192	7	the	the	DET
ijtc-1132	192	8	study	study	NOUN
ijtc-1132	192	9	may	may	AUX
ijtc-1132	192	10	refine	refine	VERB
ijtc-1132	192	11	the	the	DET
ijtc-1132	192	12	model	model	NOUN
ijtc-1132	192	13	used	use	VERB
ijtc-1132	192	14	.	.	PUNCT
ijtc-1132	193	1	from	from	ADP
ijtc-1132	193	2	this	this	DET
ijtc-1132	193	3	series	series	NOUN
ijtc-1132	193	4	of	of	ADP
ijtc-1132	193	5	research	research	NOUN
ijtc-1132	193	6	processes	process	NOUN
ijtc-1132	193	7	,	,	PUNCT
ijtc-1132	193	8	researchers	researcher	NOUN
ijtc-1132	193	9	recommend	recommend	VERB
ijtc-1132	193	10	several	several	ADJ
ijtc-1132	193	11	suggestions	suggestion	NOUN
ijtc-1132	193	12	to	to	ADP
ijtc-1132	193	13	several	several	ADJ
ijtc-1132	193	14	parties	party	NOUN
ijtc-1132	193	15	including	include	VERB
ijtc-1132	193	16	further	further	ADJ
ijtc-1132	193	17	researchers	researcher	NOUN
ijtc-1132	193	18	,	,	PUNCT
ijtc-1132	193	19	e	e	NOUN
ijtc-1132	193	20	-	-	NOUN
ijtc-1132	193	21	wallet	wallet	NOUN
ijtc-1132	193	22	organizing	organize	VERB
ijtc-1132	193	23	companies	company	NOUN
ijtc-1132	193	24	,	,	PUNCT
ijtc-1132	193	25	government	government	NOUN
ijtc-1132	193	26	and	and	CCONJ
ijtc-1132	193	27	banks	bank	NOUN
ijtc-1132	193	28	.	.	PUNCT
ijtc-1132	194	1	suggestions	suggestion	NOUN
ijtc-1132	194	2	addressed	address	VERB
ijtc-1132	194	3	to	to	ADP
ijtc-1132	194	4	future	future	ADJ
ijtc-1132	194	5	researchers	researcher	NOUN
ijtc-1132	194	6	,	,	PUNCT
ijtc-1132	194	7	namely	namely	ADV
ijtc-1132	194	8	further	further	ADJ
ijtc-1132	194	9	research	research	NOUN
ijtc-1132	194	10	is	be	AUX
ijtc-1132	194	11	expected	expect	VERB
ijtc-1132	194	12	to	to	PART
ijtc-1132	194	13	add	add	VERB
ijtc-1132	194	14	other	other	ADJ
ijtc-1132	194	15	determinants	determinant	NOUN
ijtc-1132	194	16	of	of	ADP
ijtc-1132	194	17	technology	technology	NOUN
ijtc-1132	194	18	adoption	adoption	NOUN
ijtc-1132	194	19	outside	outside	ADP
ijtc-1132	194	20	the	the	DET
ijtc-1132	194	21	combined	combined	ADJ
ijtc-1132	194	22	conceptual	conceptual	ADJ
ijtc-1132	194	23	model	model	NOUN
ijtc-1132	194	24	,	,	PUNCT
ijtc-1132	194	25	further	further	ADJ
ijtc-1132	194	26	research	research	NOUN
ijtc-1132	194	27	is	be	AUX
ijtc-1132	194	28	expected	expect	VERB
ijtc-1132	194	29	to	to	PART
ijtc-1132	194	30	use	use	VERB
ijtc-1132	194	31	interview	interview	NOUN
ijtc-1132	194	32	methods	method	NOUN
ijtc-1132	194	33	or	or	CCONJ
ijtc-1132	194	34	open	open	ADJ
ijtc-1132	194	35	questionnaires	questionnaire	NOUN
ijtc-1132	194	36	,	,	PUNCT
ijtc-1132	194	37	and	and	CCONJ
ijtc-1132	194	38	further	further	ADJ
ijtc-1132	194	39	research	research	NOUN
ijtc-1132	194	40	is	be	AUX
ijtc-1132	194	41	expected	expect	VERB
ijtc-1132	194	42	to	to	PART
ijtc-1132	194	43	research	research	VERB
ijtc-1132	194	44	with	with	ADP
ijtc-1132	194	45	a	a	DET
ijtc-1132	194	46	larger	large	ADJ
ijtc-1132	194	47	sample	sample	NOUN
ijtc-1132	194	48	.	.	PUNCT
ijtc-1132	195	1	furthermore	furthermore	ADV
ijtc-1132	195	2	,	,	PUNCT
ijtc-1132	195	3	suggestions	suggestion	NOUN
ijtc-1132	195	4	addressed	address	VERB
ijtc-1132	195	5	to	to	ADP
ijtc-1132	195	6	e	e	NOUN
ijtc-1132	195	7	-	-	NOUN
ijtc-1132	195	8	wallet	wallet	NOUN
ijtc-1132	195	9	organizing	organize	VERB
ijtc-1132	195	10	companies	company	NOUN
ijtc-1132	195	11	,	,	PUNCT
ijtc-1132	195	12	namely	namely	ADV
ijtc-1132	195	13	e	e	NOUN
ijtc-1132	195	14	-	-	NOUN
ijtc-1132	195	15	wallet	wallet	NOUN
ijtc-1132	195	16	organizing	organizing	NOUN
ijtc-1132	195	17	companies	company	NOUN
ijtc-1132	195	18	are	be	AUX
ijtc-1132	195	19	expected	expect	VERB
ijtc-1132	195	20	to	to	PART
ijtc-1132	195	21	offer	offer	VERB
ijtc-1132	195	22	services	service	NOUN
ijtc-1132	195	23	related	relate	VERB
ijtc-1132	195	24	to	to	ADP
ijtc-1132	195	25	work	work	NOUN
ijtc-1132	195	26	or	or	CCONJ
ijtc-1132	195	27	education	education	NOUN
ijtc-1132	195	28	because	because	SCONJ
ijtc-1132	195	29	many	many	ADJ
ijtc-1132	195	30	consumers	consumer	NOUN
ijtc-1132	195	31	are	be	AUX
ijtc-1132	195	32	also	also	ADV
ijtc-1132	195	33	students	student	NOUN
ijtc-1132	195	34	and	and	CCONJ
ijtc-1132	195	35	students	student	NOUN
ijtc-1132	195	36	so	so	SCONJ
ijtc-1132	195	37	that	that	SCONJ
ijtc-1132	195	38	they	they	PRON
ijtc-1132	195	39	can	can	AUX
ijtc-1132	195	40	encourage	encourage	VERB
ijtc-1132	195	41	productivity	productivity	NOUN
ijtc-1132	195	42	and	and	CCONJ
ijtc-1132	195	43	performance	performance	NOUN
ijtc-1132	195	44	.	.	PUNCT
ijtc-1132	196	1	then	then	ADV
ijtc-1132	196	2	the	the	DET
ijtc-1132	196	3	e	e	NOUN
ijtc-1132	196	4	-	-	NOUN
ijtc-1132	196	5	wallet	wallet	NOUN
ijtc-1132	196	6	organizing	organize	VERB
ijtc-1132	196	7	company	company	NOUN
ijtc-1132	196	8	is	be	AUX
ijtc-1132	196	9	expected	expect	VERB
ijtc-1132	196	10	to	to	PART
ijtc-1132	196	11	be	be	AUX
ijtc-1132	196	12	able	able	ADJ
ijtc-1132	196	13	to	to	PART
ijtc-1132	196	14	formulate	formulate	VERB
ijtc-1132	196	15	marketing	marketing	NOUN
ijtc-1132	196	16	strategies	strategy	NOUN
ijtc-1132	196	17	that	that	PRON
ijtc-1132	196	18	encourage	encourage	VERB
ijtc-1132	196	19	consumers	consumer	NOUN
ijtc-1132	196	20	to	to	PART
ijtc-1132	196	21	invite	invite	VERB
ijtc-1132	196	22	other	other	ADJ
ijtc-1132	196	23	individuals	individual	NOUN
ijtc-1132	196	24	to	to	PART
ijtc-1132	196	25	use	use	VERB
ijtc-1132	196	26	e	e	NOUN
ijtc-1132	196	27	-	-	NOUN
ijtc-1132	196	28	wallets	wallet	NOUN
ijtc-1132	196	29	.	.	PUNCT
ijtc-1132	197	1	promos	promos	NOUN
ijtc-1132	197	2	and	and	CCONJ
ijtc-1132	197	3	discounts	discount	NOUN
ijtc-1132	197	4	offered	offer	VERB
ijtc-1132	197	5	are	be	AUX
ijtc-1132	197	6	expected	expect	VERB
ijtc-1132	197	7	to	to	PART
ijtc-1132	197	8	be	be	AUX
ijtc-1132	197	9	more	more	ADV
ijtc-1132	197	10	in	in	ADP
ijtc-1132	197	11	line	line	NOUN
ijtc-1132	197	12	with	with	ADP
ijtc-1132	197	13	consumer	consumer	NOUN
ijtc-1132	197	14	needs	need	NOUN
ijtc-1132	197	15	so	so	SCONJ
ijtc-1132	197	16	that	that	SCONJ
ijtc-1132	197	17	consumers	consumer	NOUN
ijtc-1132	197	18	will	will	AUX
ijtc-1132	197	19	feel	feel	VERB
ijtc-1132	197	20	interested	interested	ADJ
ijtc-1132	197	21	and	and	CCONJ
ijtc-1132	197	22	enjoy	enjoy	VERB
ijtc-1132	197	23	the	the	DET
ijtc-1132	197	24	activities	activity	NOUN
ijtc-1132	197	25	carried	carry	VERB
ijtc-1132	197	26	out	out	ADP
ijtc-1132	197	27	.	.	PUNCT
ijtc-1132	198	1	this	this	PRON
ijtc-1132	198	2	will	will	AUX
ijtc-1132	198	3	help	help	VERB
ijtc-1132	198	4	increase	increase	VERB
ijtc-1132	198	5	the	the	DET
ijtc-1132	198	6	spread	spread	NOUN
ijtc-1132	198	7	of	of	ADP
ijtc-1132	198	8	e	e	NOUN
ijtc-1132	198	9	-	-	NOUN
ijtc-1132	198	10	wallets	wallet	NOUN
ijtc-1132	198	11	and	and	CCONJ
ijtc-1132	198	12	convince	convince	VERB
ijtc-1132	198	13	consumers	consumer	NOUN
ijtc-1132	198	14	that	that	SCONJ
ijtc-1132	198	15	the	the	DET
ijtc-1132	198	16	benefits	benefit	NOUN
ijtc-1132	198	17	obtained	obtain	VERB
ijtc-1132	198	18	from	from	ADP
ijtc-1132	198	19	using	use	VERB
ijtc-1132	198	20	e	e	NOUN
ijtc-1132	198	21	-	-	NOUN
ijtc-1132	198	22	wallets	wallet	NOUN
ijtc-1132	198	23	are	be	AUX
ijtc-1132	198	24	greater	great	ADJ
ijtc-1132	198	25	than	than	ADP
ijtc-1132	198	26	the	the	DET
ijtc-1132	198	27	cost	cost	NOUN
ijtc-1132	198	28	burden	burden	NOUN
ijtc-1132	198	29	.	.	PUNCT
ijtc-1132	199	1	it	it	PRON
ijtc-1132	199	2	is	be	AUX
ijtc-1132	199	3	intended	intend	VERB
ijtc-1132	199	4	that	that	SCONJ
ijtc-1132	199	5	e	e	NOUN
ijtc-1132	199	6	-	-	NOUN
ijtc-1132	199	7	wallet	wallet	NOUN
ijtc-1132	199	8	adoption	adoption	NOUN
ijtc-1132	199	9	can	can	AUX
ijtc-1132	199	10	become	become	VERB
ijtc-1132	199	11	a	a	DET
ijtc-1132	199	12	habit	habit	NOUN
ijtc-1132	199	13	in	in	ADP
ijtc-1132	199	14	consumers	consumer	NOUN
ijtc-1132	199	15	'	'	PART
ijtc-1132	199	16	daily	daily	ADJ
ijtc-1132	199	17	lives	life	NOUN
ijtc-1132	199	18	.	.	PUNCT
ijtc-1132	200	1	suggestions	suggestion	NOUN
ijtc-1132	200	2	addressed	address	VERB
ijtc-1132	200	3	to	to	ADP
ijtc-1132	200	4	the	the	DET
ijtc-1132	200	5	government	government	NOUN
ijtc-1132	200	6	,	,	PUNCT
ijtc-1132	200	7	namely	namely	ADV
ijtc-1132	200	8	bank	bank	PROPN
ijtc-1132	200	9	indonesia	indonesia	PROPN
ijtc-1132	200	10	and	and	CCONJ
ijtc-1132	200	11	the	the	DET
ijtc-1132	200	12	financial	financial	ADJ
ijtc-1132	200	13	services	service	NOUN
ijtc-1132	200	14	authority	authority	NOUN
ijtc-1132	200	15	are	be	AUX
ijtc-1132	200	16	expected	expect	VERB
ijtc-1132	200	17	to	to	PART
ijtc-1132	200	18	provide	provide	VERB
ijtc-1132	200	19	strict	strict	ADJ
ijtc-1132	200	20	regulations	regulation	NOUN
ijtc-1132	200	21	that	that	PRON
ijtc-1132	200	22	are	be	AUX
ijtc-1132	200	23	able	able	ADJ
ijtc-1132	200	24	to	to	PART
ijtc-1132	200	25	protect	protect	VERB
ijtc-1132	200	26	the	the	DET
ijtc-1132	200	27	interests	interest	NOUN
ijtc-1132	200	28	of	of	ADP
ijtc-1132	200	29	consumers	consumer	NOUN
ijtc-1132	200	30	and	and	CCONJ
ijtc-1132	200	31	various	various	ADJ
ijtc-1132	200	32	parties	party	NOUN
ijtc-1132	200	33	and	and	CCONJ
ijtc-1132	200	34	add	add	VERB
ijtc-1132	200	35	facilities	facility	NOUN
ijtc-1132	200	36	that	that	PRON
ijtc-1132	200	37	support	support	VERB
ijtc-1132	200	38	the	the	DET
ijtc-1132	200	39	use	use	NOUN
ijtc-1132	200	40	of	of	ADP
ijtc-1132	200	41	e	e	NOUN
ijtc-1132	200	42	-	-	NOUN
ijtc-1132	200	43	wallets	wallet	NOUN
ijtc-1132	200	44	.	.	PUNCT
ijtc-1132	201	1	then	then	ADV
ijtc-1132	201	2	for	for	ADP
ijtc-1132	201	3	the	the	DET
ijtc-1132	201	4	last	last	ADJ
ijtc-1132	201	5	suggestion	suggestion	NOUN
ijtc-1132	201	6	addressed	address	VERB
ijtc-1132	201	7	to	to	ADP
ijtc-1132	201	8	the	the	DET
ijtc-1132	201	9	banking	banking	NOUN
ijtc-1132	201	10	sector	sector	NOUN
ijtc-1132	201	11	,	,	PUNCT
ijtc-1132	201	12	namely	namely	ADV
ijtc-1132	201	13	the	the	DET
ijtc-1132	201	14	results	result	NOUN
ijtc-1132	201	15	of	of	ADP
ijtc-1132	201	16	this	this	DET
ijtc-1132	201	17	study	study	NOUN
ijtc-1132	201	18	are	be	AUX
ijtc-1132	201	19	expected	expect	VERB
ijtc-1132	201	20	to	to	PART
ijtc-1132	201	21	encourage	encourage	VERB
ijtc-1132	201	22	banks	bank	NOUN
ijtc-1132	201	23	to	to	PART
ijtc-1132	201	24	collaborate	collaborate	VERB
ijtc-1132	201	25	with	with	ADP
ijtc-1132	201	26	e	e	NOUN
ijtc-1132	201	27	-	-	NOUN
ijtc-1132	201	28	wallet	wallet	NOUN
ijtc-1132	201	29	providers	provider	NOUN
ijtc-1132	201	30	.	.	PUNCT
ijtc-1132	202	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1132	202	2	the	the	DET
ijtc-1132	202	3	determinants	determinant	NOUN
ijtc-1132	202	4	of	of	ADP
ijtc-1132	202	5	mobile	mobile	ADJ
ijtc-1132	202	6	e	e	NOUN
ijtc-1132	202	7	-	-	NOUN
ijtc-1132	202	8	wallet	wallet	NOUN
ijtc-1132	202	9	adoption	adoption	NOUN
ijtc-1132	202	10	across	across	ADP
ijtc-1132	202	11	generation	generation	NOUN
ijtc-1132	202	12	,	,	PUNCT
ijtc-1132	202	13	a	a	DET
ijtc-1132	202	14	lesson	lesson	NOUN
ijtc-1132	202	15	learned	learn	VERB
ijtc-1132	202	16	from	from	ADP
ijtc-1132	202	17	indonesia	indonesia	PROPN
ijtc-1132	202	18	arini	arini	PROPN
ijtc-1132	202	19	,	,	PUNCT
ijtc-1132	202	20	lestari	lestari	NOUN
ijtc-1132	202	21	and	and	CCONJ
ijtc-1132	202	22	hanani	hanani	NOUN
ijtc-1132	202	23	499	499	NUM
ijtc-1132	202	24	|	|	ADV
ijtc-1132	202	25	ilomata	ilomata	PROPN
ijtc-1132	202	26	international	international	ADJ
ijtc-1132	202	27	journal	journal	NOUN
ijtc-1132	202	28	of	of	ADP
ijtc-1132	202	29	tax	tax	PROPN
ijtc-1132	202	30	&	&	CCONJ
ijtc-1132	202	31	accounting	accounting	PROPN
ijtc-1132	202	32	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	202	33	reference	reference	NOUN
ijtc-1132	202	34	abidin	abidin	PROPN
ijtc-1132	202	35	,	,	PUNCT
ijtc-1132	202	36	a.	a.	NOUN
ijtc-1132	202	37	,	,	PUNCT
ijtc-1132	202	38	zahra	zahra	PROPN
ijtc-1132	202	39	,	,	PUNCT
ijtc-1132	202	40	n.	n.	PROPN
ijtc-1132	202	41	s.	s.	PROPN
ijtc-1132	202	42	,	,	PUNCT
ijtc-1132	202	43	&	&	CCONJ
ijtc-1132	202	44	yusuf	yusuf	PROPN
ijtc-1132	202	45	,	,	PUNCT
ijtc-1132	202	46	a.	a.	NOUN
ijtc-1132	202	47	(	(	PUNCT
ijtc-1132	202	48	2023	2023	NUM
ijtc-1132	202	49	)	)	PUNCT
ijtc-1132	202	50	.	.	PUNCT
ijtc-1132	203	1	analisis	analisis	ADJ
ijtc-1132	203	2	aplikasi	aplikasi	PROPN
ijtc-1132	203	3	kredivo	kredivo	PROPN
ijtc-1132	203	4	berdasarkan	berdasarkan	PROPN
ijtc-1132	203	5	information	information	NOUN
ijtc-1132	203	6	system	system	NOUN
ijtc-1132	203	7	success	success	NOUN
ijtc-1132	203	8	model	model	NOUN
ijtc-1132	203	9	(	(	PUNCT
ijtc-1132	203	10	issm	issm	PROPN
ijtc-1132	203	11	)	)	PUNCT
ijtc-1132	203	12	.	.	PUNCT
ijtc-1132	204	1	jurnal	jurnal	ADJ
ijtc-1132	204	2	maksipreneur	maksipreneur	PROPN
ijtc-1132	204	3	:	:	PUNCT
ijtc-1132	204	4	manajemen	manajeman	NOUN
ijtc-1132	204	5	,	,	PUNCT
ijtc-1132	204	6	koperasi	koperasi	PROPN
ijtc-1132	204	7	,	,	PUNCT
ijtc-1132	204	8	dan	dan	PROPN
ijtc-1132	204	9	entrepreneurship	entrepreneurship	NOUN
ijtc-1132	204	10	,	,	PUNCT
ijtc-1132	204	11	12(2	12(2	NUM
ijtc-1132	204	12	)	)	PUNCT
ijtc-1132	204	13	,	,	PUNCT
ijtc-1132	204	14	602–616	602–616	NUM
ijtc-1132	204	15	.	.	PUNCT
ijtc-1132	205	1	agustina	agustina	PROPN
ijtc-1132	205	2	,	,	PUNCT
ijtc-1132	205	3	n.	n.	NOUN
ijtc-1132	205	4	,	,	PUNCT
ijtc-1132	205	5	&	&	CCONJ
ijtc-1132	205	6	sutinah	sutinah	PROPN
ijtc-1132	205	7	,	,	PUNCT
ijtc-1132	205	8	e.	e.	PROPN
ijtc-1132	205	9	(	(	PUNCT
ijtc-1132	205	10	2019	2019	NUM
ijtc-1132	205	11	)	)	PUNCT
ijtc-1132	205	12	.	.	PUNCT
ijtc-1132	206	1	model	model	PROPN
ijtc-1132	206	2	delone	delone	PROPN
ijtc-1132	206	3	dan	dan	PROPN
ijtc-1132	206	4	mclean	mclean	PROPN
ijtc-1132	206	5	untuk	untuk	PROPN
ijtc-1132	206	6	menguji	menguji	PROPN
ijtc-1132	206	7	kesuksesan	kesuksesan	PROPN
ijtc-1132	206	8	aplikasi	aplikasi	PROPN
ijtc-1132	206	9	mobile	mobile	PROPN
ijtc-1132	206	10	penerimaan	penerimaan	PROPN
ijtc-1132	206	11	mahasiswa	mahasiswa	PROPN
ijtc-1132	206	12	baru	baru	PROPN
ijtc-1132	206	13	.	.	PUNCT
ijtc-1132	207	1	infotekjar	infotekjar	NOUN
ijtc-1132	207	2	(	(	PUNCT
ijtc-1132	207	3	jurnal	jurnal	ADV
ijtc-1132	207	4	nasional	nasional	PROPN
ijtc-1132	207	5	informatika	informatika	PROPN
ijtc-1132	207	6	dan	dan	PROPN
ijtc-1132	207	7	teknologi	teknologi	PROPN
ijtc-1132	207	8	jaringan	jaringan	PROPN
ijtc-1132	207	9	)	)	PUNCT
ijtc-1132	207	10	,	,	PUNCT
ijtc-1132	207	11	3(2	3(2	NUM
ijtc-1132	207	12	)	)	PUNCT
ijtc-1132	207	13	,	,	PUNCT
ijtc-1132	207	14	76–82	76–82	NUM
ijtc-1132	207	15	.	.	PUNCT
ijtc-1132	208	1	https://doi.org/10.30743/infotekjar.v3i2.1008	https://doi.org/10.30743/infotekjar.v3i2.1008	PROPN
ijtc-1132	208	2	al	al	PROPN
ijtc-1132	208	3	-	-	PUNCT
ijtc-1132	208	4	emran	emran	ADJ
ijtc-1132	208	5	,	,	PUNCT
ijtc-1132	208	6	m.	m.	NOUN
ijtc-1132	208	7	,	,	PUNCT
ijtc-1132	208	8	mezhuyev	mezhuyev	PROPN
ijtc-1132	208	9	,	,	PUNCT
ijtc-1132	208	10	v.	v.	ADV
ijtc-1132	208	11	,	,	PUNCT
ijtc-1132	208	12	&	&	CCONJ
ijtc-1132	208	13	kamaludin	kamaludin	PROPN
ijtc-1132	208	14	,	,	PUNCT
ijtc-1132	208	15	a.	a.	NOUN
ijtc-1132	208	16	(	(	PUNCT
ijtc-1132	208	17	2020	2020	NUM
ijtc-1132	208	18	)	)	PUNCT
ijtc-1132	208	19	.	.	PUNCT
ijtc-1132	209	1	towards	towards	ADP
ijtc-1132	209	2	a	a	DET
ijtc-1132	209	3	conceptual	conceptual	ADJ
ijtc-1132	209	4	model	model	NOUN
ijtc-1132	209	5	for	for	ADP
ijtc-1132	209	6	examining	examine	VERB
ijtc-1132	209	7	the	the	DET
ijtc-1132	209	8	impact	impact	NOUN
ijtc-1132	209	9	of	of	ADP
ijtc-1132	209	10	knowledge	knowledge	NOUN
ijtc-1132	209	11	management	management	NOUN
ijtc-1132	209	12	factors	factor	NOUN
ijtc-1132	209	13	on	on	ADP
ijtc-1132	209	14	mobile	mobile	ADJ
ijtc-1132	209	15	learning	learning	NOUN
ijtc-1132	209	16	acceptance	acceptance	NOUN
ijtc-1132	209	17	.	.	PUNCT
ijtc-1132	210	1	technology	technology	NOUN
ijtc-1132	210	2	in	in	ADP
ijtc-1132	210	3	society	society	NOUN
ijtc-1132	210	4	,	,	PUNCT
ijtc-1132	210	5	61	61	NUM
ijtc-1132	210	6	,	,	PUNCT
ijtc-1132	210	7	101247	101247	NUM
ijtc-1132	210	8	.	.	PUNCT
ijtc-1132	211	1	https://doi.org/10.1016/j.techsoc.2020.101247	https://doi.org/10.1016/j.techsoc.2020.101247	PROPN
ijtc-1132	211	2	al	al	PROPN
ijtc-1132	211	3	-	-	PUNCT
ijtc-1132	211	4	saedi	saedi	PROPN
ijtc-1132	211	5	,	,	PUNCT
ijtc-1132	211	6	k.	k.	PROPN
ijtc-1132	211	7	,	,	PUNCT
ijtc-1132	211	8	al	al	PROPN
ijtc-1132	211	9	-	-	PUNCT
ijtc-1132	211	10	emran	emran	ADJ
ijtc-1132	211	11	,	,	PUNCT
ijtc-1132	211	12	m.	m.	NOUN
ijtc-1132	211	13	,	,	PUNCT
ijtc-1132	211	14	abusham	abusham	PROPN
ijtc-1132	211	15	,	,	PUNCT
ijtc-1132	211	16	e.	e.	PROPN
ijtc-1132	211	17	,	,	PUNCT
ijtc-1132	211	18	&	&	CCONJ
ijtc-1132	211	19	el	el	PROPN
ijtc-1132	211	20	rahman	rahman	PROPN
ijtc-1132	211	21	,	,	PUNCT
ijtc-1132	211	22	s.	s.	PROPN
ijtc-1132	211	23	a.	a.	PROPN
ijtc-1132	211	24	(	(	PUNCT
ijtc-1132	211	25	2019	2019	NUM
ijtc-1132	211	26	)	)	PUNCT
ijtc-1132	211	27	.	.	PUNCT
ijtc-1132	212	1	mobile	mobile	ADJ
ijtc-1132	212	2	payment	payment	NOUN
ijtc-1132	212	3	adoption	adoption	NOUN
ijtc-1132	212	4	:	:	PUNCT
ijtc-1132	212	5	a	a	DET
ijtc-1132	212	6	systematic	systematic	ADJ
ijtc-1132	212	7	review	review	NOUN
ijtc-1132	212	8	of	of	ADP
ijtc-1132	212	9	the	the	DET
ijtc-1132	212	10	utaut	utaut	PROPN
ijtc-1132	212	11	model	model	PROPN
ijtc-1132	212	12	.	.	PUNCT
ijtc-1132	213	1	2019	2019	NUM
ijtc-1132	213	2	international	international	ADJ
ijtc-1132	213	3	conference	conference	NOUN
ijtc-1132	213	4	on	on	ADP
ijtc-1132	213	5	fourth	fourth	PROPN
ijtc-1132	213	6	industrial	industrial	ADJ
ijtc-1132	213	7	revolution	revolution	NOUN
ijtc-1132	213	8	(	(	PUNCT
ijtc-1132	213	9	icfir	icfir	NOUN
ijtc-1132	213	10	)	)	PUNCT
ijtc-1132	213	11	,	,	PUNCT
ijtc-1132	213	12	1–5	1–5	X
ijtc-1132	213	13	.	.	PUNCT
ijtc-1132	214	1	https://doi.org/10.1109/icfir.2019.8894794	https://doi.org/10.1109/icfir.2019.8894794	PROPN
ijtc-1132	214	2	azizah	azizah	NOUN
ijtc-1132	214	3	,	,	PUNCT
ijtc-1132	214	4	n.	n.	NOUN
ijtc-1132	214	5	,	,	PUNCT
ijtc-1132	214	6	handayani	handayani	PROPN
ijtc-1132	214	7	,	,	PUNCT
ijtc-1132	214	8	p.	p.	PROPN
ijtc-1132	214	9	w.	w.	PROPN
ijtc-1132	214	10	,	,	PUNCT
ijtc-1132	214	11	&	&	CCONJ
ijtc-1132	214	12	azzahro	azzahro	PROPN
ijtc-1132	214	13	,	,	PUNCT
ijtc-1132	214	14	f.	f.	PROPN
ijtc-1132	214	15	(	(	PUNCT
ijtc-1132	214	16	2018	2018	NUM
ijtc-1132	214	17	)	)	PUNCT
ijtc-1132	214	18	.	.	PUNCT
ijtc-1132	215	1	factors	factor	NOUN
ijtc-1132	215	2	influencing	influence	VERB
ijtc-1132	215	3	continuance	continuance	NOUN
ijtc-1132	215	4	usage	usage	NOUN
ijtc-1132	215	5	of	of	ADP
ijtc-1132	215	6	mobile	mobile	ADJ
ijtc-1132	215	7	wallets	wallet	NOUN
ijtc-1132	215	8	in	in	ADP
ijtc-1132	215	9	indonesia	indonesia	PROPN
ijtc-1132	215	10	.	.	PUNCT
ijtc-1132	216	1	2018	2018	NUM
ijtc-1132	216	2	international	international	ADJ
ijtc-1132	216	3	conference	conference	NOUN
ijtc-1132	216	4	on	on	ADP
ijtc-1132	216	5	information	information	NOUN
ijtc-1132	216	6	management	management	NOUN
ijtc-1132	216	7	and	and	CCONJ
ijtc-1132	216	8	technology	technology	NOUN
ijtc-1132	216	9	(	(	PUNCT
ijtc-1132	216	10	icimtech	icimtech	PROPN
ijtc-1132	216	11	)	)	PUNCT
ijtc-1132	216	12	,	,	PUNCT
ijtc-1132	216	13	92–97	92–97	NUM
ijtc-1132	216	14	.	.	PUNCT
ijtc-1132	217	1	balakrishnan	balakrishnan	PROPN
ijtc-1132	217	2	,	,	PUNCT
ijtc-1132	217	3	j.	j.	PROPN
ijtc-1132	217	4	,	,	PUNCT
ijtc-1132	217	5	dwivedi	dwivedi	PROPN
ijtc-1132	217	6	,	,	PUNCT
ijtc-1132	217	7	y.	y.	PROPN
ijtc-1132	217	8	k.	k.	PROPN
ijtc-1132	217	9	,	,	PUNCT
ijtc-1132	217	10	hughes	hughes	PROPN
ijtc-1132	217	11	,	,	PUNCT
ijtc-1132	217	12	l.	l.	PROPN
ijtc-1132	217	13	,	,	PUNCT
ijtc-1132	217	14	&	&	CCONJ
ijtc-1132	217	15	boy	boy	PROPN
ijtc-1132	217	16	,	,	PUNCT
ijtc-1132	217	17	f.	f.	PROPN
ijtc-1132	217	18	(	(	PUNCT
ijtc-1132	217	19	2021	2021	NUM
ijtc-1132	217	20	)	)	PUNCT
ijtc-1132	217	21	.	.	PUNCT
ijtc-1132	218	1	enablers	enabler	NOUN
ijtc-1132	218	2	and	and	CCONJ
ijtc-1132	218	3	inhibitors	inhibitor	NOUN
ijtc-1132	218	4	of	of	ADP
ijtc-1132	218	5	aipowered	aipowered	ADJ
ijtc-1132	218	6	voice	voice	NOUN
ijtc-1132	218	7	assistants	assistant	NOUN
ijtc-1132	218	8	:	:	PUNCT
ijtc-1132	218	9	a	a	DET
ijtc-1132	218	10	dual	dual	ADJ
ijtc-1132	218	11	-	-	PUNCT
ijtc-1132	218	12	factor	factor	NOUN
ijtc-1132	218	13	approach	approach	NOUN
ijtc-1132	218	14	by	by	ADP
ijtc-1132	218	15	integrating	integrate	VERB
ijtc-1132	218	16	the	the	DET
ijtc-1132	218	17	status	status	NOUN
ijtc-1132	218	18	quo	quo	NOUN
ijtc-1132	218	19	bias	bias	NOUN
ijtc-1132	218	20	and	and	CCONJ
ijtc-1132	218	21	technology	technology	NOUN
ijtc-1132	218	22	acceptance	acceptance	NOUN
ijtc-1132	218	23	model	model	NOUN
ijtc-1132	218	24	.	.	PUNCT
ijtc-1132	219	1	information	information	NOUN
ijtc-1132	219	2	systems	system	NOUN
ijtc-1132	219	3	frontiers	frontier	NOUN
ijtc-1132	219	4	,	,	PUNCT
ijtc-1132	219	5	1–22	1–22	PROPN
ijtc-1132	219	6	.	.	PUNCT
ijtc-1132	220	1	chen	chen	PROPN
ijtc-1132	220	2	,	,	PUNCT
ijtc-1132	220	3	l.	l.	PROPN
ijtc-1132	220	4	,	,	PUNCT
ijtc-1132	220	5	&	&	CCONJ
ijtc-1132	220	6	aklikokou	aklikokou	PROPN
ijtc-1132	220	7	,	,	PUNCT
ijtc-1132	220	8	a.	a.	PROPN
ijtc-1132	220	9	k.	k.	PROPN
ijtc-1132	220	10	(	(	PUNCT
ijtc-1132	220	11	2020	2020	NUM
ijtc-1132	220	12	)	)	PUNCT
ijtc-1132	220	13	.	.	PUNCT
ijtc-1132	221	1	determinants	determinant	NOUN
ijtc-1132	221	2	of	of	ADP
ijtc-1132	221	3	e	e	NOUN
ijtc-1132	221	4	-	-	NOUN
ijtc-1132	221	5	government	government	ADJ
ijtc-1132	221	6	adoption	adoption	NOUN
ijtc-1132	221	7	:	:	PUNCT
ijtc-1132	221	8	testing	test	VERB
ijtc-1132	221	9	the	the	DET
ijtc-1132	221	10	mediating	mediate	VERB
ijtc-1132	221	11	effects	effect	NOUN
ijtc-1132	221	12	of	of	ADP
ijtc-1132	221	13	perceived	perceive	VERB
ijtc-1132	221	14	usefulness	usefulness	NOUN
ijtc-1132	221	15	and	and	CCONJ
ijtc-1132	221	16	perceived	perceive	VERB
ijtc-1132	221	17	ease	ease	NOUN
ijtc-1132	221	18	of	of	ADP
ijtc-1132	221	19	use	use	NOUN
ijtc-1132	221	20	.	.	PUNCT
ijtc-1132	222	1	international	international	ADJ
ijtc-1132	222	2	journal	journal	PROPN
ijtc-1132	222	3	of	of	ADP
ijtc-1132	222	4	public	public	ADJ
ijtc-1132	222	5	administration	administration	NOUN
ijtc-1132	222	6	,	,	PUNCT
ijtc-1132	222	7	43(10	43(10	NUM
ijtc-1132	222	8	)	)	PUNCT
ijtc-1132	222	9	,	,	PUNCT
ijtc-1132	222	10	850–865	850–865	NUM
ijtc-1132	222	11	.	.	PUNCT
ijtc-1132	223	1	https://doi.org/10.1080/01900692.2019.1660989	https://doi.org/10.1080/01900692.2019.1660989	PROPN
ijtc-1132	223	2	choi	choi	PROPN
ijtc-1132	223	3	,	,	PUNCT
ijtc-1132	223	4	j.	j.	PROPN
ijtc-1132	223	5	,	,	PUNCT
ijtc-1132	223	6	&	&	CCONJ
ijtc-1132	223	7	kim	kim	PROPN
ijtc-1132	223	8	,	,	PUNCT
ijtc-1132	223	9	s.	s.	PROPN
ijtc-1132	223	10	(	(	PUNCT
ijtc-1132	223	11	2016	2016	NUM
ijtc-1132	223	12	)	)	PUNCT
ijtc-1132	223	13	.	.	PUNCT
ijtc-1132	223	14	is	be	AUX
ijtc-1132	223	15	the	the	DET
ijtc-1132	223	16	smartwatch	smartwatch	NOUN
ijtc-1132	223	17	an	an	DET
ijtc-1132	223	18	it	it	NOUN
ijtc-1132	223	19	product	product	NOUN
ijtc-1132	223	20	or	or	CCONJ
ijtc-1132	223	21	a	a	DET
ijtc-1132	223	22	fashion	fashion	NOUN
ijtc-1132	223	23	product	product	NOUN
ijtc-1132	223	24	?	?	PUNCT
ijtc-1132	224	1	a	a	DET
ijtc-1132	224	2	study	study	NOUN
ijtc-1132	224	3	on	on	ADP
ijtc-1132	224	4	factors	factor	NOUN
ijtc-1132	224	5	affecting	affect	VERB
ijtc-1132	224	6	the	the	DET
ijtc-1132	224	7	intention	intention	NOUN
ijtc-1132	224	8	to	to	PART
ijtc-1132	224	9	use	use	VERB
ijtc-1132	224	10	smartwatches	smartwatche	NOUN
ijtc-1132	224	11	.	.	PUNCT
ijtc-1132	225	1	computers	computer	NOUN
ijtc-1132	225	2	in	in	ADP
ijtc-1132	225	3	human	human	ADJ
ijtc-1132	225	4	behavior	behavior	NOUN
ijtc-1132	225	5	,	,	PUNCT
ijtc-1132	225	6	63	63	NUM
ijtc-1132	225	7	,	,	PUNCT
ijtc-1132	225	8	777–786	777–786	NUM
ijtc-1132	225	9	.	.	PUNCT
ijtc-1132	226	1	https://doi.org/10.1016/j.chb.2016.06.007	https://doi.org/10.1016/j.chb.2016.06.007	PROPN
ijtc-1132	226	2	davis	davis	PROPN
ijtc-1132	226	3	,	,	PUNCT
ijtc-1132	226	4	f.	f.	PROPN
ijtc-1132	226	5	d.	d.	PROPN
ijtc-1132	226	6	(	(	PUNCT
ijtc-1132	226	7	1989	1989	NUM
ijtc-1132	226	8	)	)	PUNCT
ijtc-1132	226	9	.	.	PUNCT
ijtc-1132	227	1	perceived	perceive	VERB
ijtc-1132	227	2	usefulness	usefulness	NOUN
ijtc-1132	227	3	,	,	PUNCT
ijtc-1132	227	4	perceived	perceive	VERB
ijtc-1132	227	5	ease	ease	NOUN
ijtc-1132	227	6	of	of	ADP
ijtc-1132	227	7	use	use	NOUN
ijtc-1132	227	8	,	,	PUNCT
ijtc-1132	227	9	and	and	CCONJ
ijtc-1132	227	10	user	user	NOUN
ijtc-1132	227	11	acceptance	acceptance	NOUN
ijtc-1132	227	12	of	of	ADP
ijtc-1132	227	13	information	information	NOUN
ijtc-1132	227	14	technology	technology	NOUN
ijtc-1132	227	15	.	.	PUNCT
ijtc-1132	228	1	mis	mis	PROPN
ijtc-1132	228	2	quarterly	quarterly	PROPN
ijtc-1132	228	3	,	,	PUNCT
ijtc-1132	228	4	13(3	13(3	NUM
ijtc-1132	228	5	)	)	PUNCT
ijtc-1132	228	6	,	,	PUNCT
ijtc-1132	228	7	319	319	NUM
ijtc-1132	228	8	.	.	PUNCT
ijtc-1132	229	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
ijtc-1132	229	2	delone	delone	PROPN
ijtc-1132	229	3	,	,	PUNCT
ijtc-1132	229	4	w.	w.	PROPN
ijtc-1132	229	5	h.	h.	PROPN
ijtc-1132	229	6	,	,	PUNCT
ijtc-1132	229	7	&	&	CCONJ
ijtc-1132	229	8	mclean	mclean	PROPN
ijtc-1132	229	9	,	,	PUNCT
ijtc-1132	229	10	e.	e.	PROPN
ijtc-1132	229	11	r.	r.	PROPN
ijtc-1132	229	12	(	(	PUNCT
ijtc-1132	229	13	1992	1992	NUM
ijtc-1132	229	14	)	)	PUNCT
ijtc-1132	229	15	.	.	PUNCT
ijtc-1132	230	1	information	information	NOUN
ijtc-1132	230	2	systems	system	NOUN
ijtc-1132	230	3	success	success	NOUN
ijtc-1132	230	4	:	:	PUNCT
ijtc-1132	230	5	the	the	DET
ijtc-1132	230	6	quest	quest	NOUN
ijtc-1132	230	7	for	for	ADP
ijtc-1132	230	8	the	the	DET
ijtc-1132	230	9	dependent	dependent	ADJ
ijtc-1132	230	10	variable	variable	NOUN
ijtc-1132	230	11	.	.	PUNCT
ijtc-1132	231	1	information	information	NOUN
ijtc-1132	231	2	systems	system	NOUN
ijtc-1132	231	3	research	research	NOUN
ijtc-1132	231	4	,	,	PUNCT
ijtc-1132	231	5	3(1	3(1	NUM
ijtc-1132	231	6	)	)	PUNCT
ijtc-1132	231	7	,	,	PUNCT
ijtc-1132	232	1	60–95	60–95	NUM
ijtc-1132	232	2	.	.	PUNCT
ijtc-1132	233	1	https://doi.org/10.1287/isre.3.1.60	https://doi.org/10.1287/isre.3.1.60	PROPN
ijtc-1132	233	2	endriyanto	endriyanto	PROPN
ijtc-1132	233	3	,	,	PUNCT
ijtc-1132	233	4	r.	r.	PROPN
ijtc-1132	233	5	,	,	PUNCT
ijtc-1132	233	6	&	&	CCONJ
ijtc-1132	233	7	indrarini	indrarini	PROPN
ijtc-1132	233	8	,	,	PUNCT
ijtc-1132	233	9	r.	r.	PROPN
ijtc-1132	233	10	(	(	PUNCT
ijtc-1132	233	11	2022	2022	NUM
ijtc-1132	233	12	)	)	PUNCT
ijtc-1132	233	13	.	.	PUNCT
ijtc-1132	234	1	pengaruh	pengaruh	NOUN
ijtc-1132	234	2	promosi	promosi	VERB
ijtc-1132	234	3	dan	dan	PROPN
ijtc-1132	234	4	fitur	fitur	PROPN
ijtc-1132	234	5	layanan	layanan	PROPN
ijtc-1132	234	6	terhadap	terhadap	PROPN
ijtc-1132	234	7	minat	minat	PROPN
ijtc-1132	235	1	menggunakan	menggunakan	PROPN
ijtc-1132	236	1	e	e	PROPN
ijtc-1132	236	2	-	-	PROPN
ijtc-1132	236	3	wallet	wallet	NOUN
ijtc-1132	236	4	linkaja	linkaja	NOUN
ijtc-1132	236	5	(	(	PUNCT
ijtc-1132	236	6	studi	studi	PROPN
ijtc-1132	236	7	kasus	kasus	PROPN
ijtc-1132	236	8	di	di	PROPN
ijtc-1132	236	9	surabaya	surabaya	PROPN
ijtc-1132	236	10	)	)	PUNCT
ijtc-1132	236	11	.	.	PUNCT
ijtc-1132	237	1	jurnal	jurnal	ADJ
ijtc-1132	237	2	ekonomika	ekonomika	PROPN
ijtc-1132	237	3	dan	dan	PROPN
ijtc-1132	237	4	bisnis	bisnis	PROPN
ijtc-1132	237	5	islam	islam	PROPN
ijtc-1132	237	6	,	,	PUNCT
ijtc-1132	237	7	5(1	5(1	NUM
ijtc-1132	237	8	)	)	PUNCT
ijtc-1132	237	9	,	,	PUNCT
ijtc-1132	237	10	67–80	67–80	PROPN
ijtc-1132	237	11	.	.	PUNCT
ijtc-1132	238	1	https://doi.org/10.26740/jekobi.v5n1.p67-80	https://doi.org/10.26740/jekobi.v5n1.p67-80	SYM
ijtc-1132	238	2	fatmawati	fatmawati	PROPN
ijtc-1132	238	3	,	,	PUNCT
ijtc-1132	238	4	a.	a.	PROPN
ijtc-1132	238	5	,	,	PUNCT
ijtc-1132	238	6	christina	christina	PROPN
ijtc-1132	238	7	,	,	PUNCT
ijtc-1132	238	8	b.	b.	PROPN
ijtc-1132	238	9	a.	a.	PROPN
ijtc-1132	238	10	,	,	PUNCT
ijtc-1132	238	11	&	&	CCONJ
ijtc-1132	238	12	murtiasri	murtiasri	PROPN
ijtc-1132	238	13	,	,	PUNCT
ijtc-1132	238	14	e.	e.	PROPN
ijtc-1132	238	15	(	(	PUNCT
ijtc-1132	238	16	2022	2022	NUM
ijtc-1132	238	17	)	)	PUNCT
ijtc-1132	238	18	.	.	PUNCT
ijtc-1132	239	1	analisis	analisis	PROPN
ijtc-1132	239	2	kesuksesan	kesuksesan	PROPN
ijtc-1132	239	3	siap	siap	PROPN
ijtc-1132	239	4	bos	bos	PROPN
ijtc-1132	239	5	(	(	PUNCT
ijtc-1132	239	6	sistem	sistem	PROPN
ijtc-1132	239	7	informasi	informasi	PROPN
ijtc-1132	239	8	aplikasi	aplikasi	PROPN
ijtc-1132	239	9	pengelolaan	pengelolaan	PROPN
ijtc-1132	239	10	bantuan	bantuan	PROPN
ijtc-1132	239	11	operasional	operasional	PROPN
ijtc-1132	239	12	sekolah	sekolah	PROPN
ijtc-1132	239	13	)	)	PUNCT
ijtc-1132	239	14	di	di	PROPN
ijtc-1132	239	15	kabupaten	kabupaten	PROPN
ijtc-1132	239	16	blora	blora	PROPN
ijtc-1132	239	17	.	.	PUNCT
ijtc-1132	240	1	jurnal	jurnal	ADJ
ijtc-1132	240	2	aktual	aktual	PROPN
ijtc-1132	240	3	akuntansi	akuntansi	PROPN
ijtc-1132	240	4	keuangan	keuangan	PROPN
ijtc-1132	240	5	bisnis	bisnis	PROPN
ijtc-1132	240	6	terapan	terapan	PROPN
ijtc-1132	240	7	(	(	PUNCT
ijtc-1132	240	8	akunbisnis	akunbisnis	PROPN
ijtc-1132	240	9	)	)	PUNCT
ijtc-1132	240	10	,	,	PUNCT
ijtc-1132	240	11	5(1	5(1	NUM
ijtc-1132	240	12	)	)	PUNCT
ijtc-1132	240	13	,	,	PUNCT
ijtc-1132	240	14	142	142	NUM
ijtc-1132	240	15	.	.	PUNCT
ijtc-1132	241	1	https://doi.org/10.32497/akunbisnis.v5i1.3620	https://doi.org/10.32497/akunbisnis.v5i1.3620	PROPN
ijtc-1132	241	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1132	241	3	the	the	DET
ijtc-1132	241	4	determinants	determinant	NOUN
ijtc-1132	241	5	of	of	ADP
ijtc-1132	241	6	mobile	mobile	ADJ
ijtc-1132	241	7	e	e	NOUN
ijtc-1132	241	8	-	-	NOUN
ijtc-1132	241	9	wallet	wallet	NOUN
ijtc-1132	241	10	adoption	adoption	NOUN
ijtc-1132	241	11	across	across	ADP
ijtc-1132	241	12	generation	generation	NOUN
ijtc-1132	241	13	,	,	PUNCT
ijtc-1132	241	14	a	a	DET
ijtc-1132	241	15	lesson	lesson	NOUN
ijtc-1132	241	16	learned	learn	VERB
ijtc-1132	241	17	from	from	ADP
ijtc-1132	241	18	indonesia	indonesia	PROPN
ijtc-1132	241	19	arini	arini	PROPN
ijtc-1132	241	20	,	,	PUNCT
ijtc-1132	241	21	lestari	lestari	NOUN
ijtc-1132	241	22	and	and	CCONJ
ijtc-1132	241	23	hanani	hanani	NOUN
ijtc-1132	241	24	500	500	NUM
ijtc-1132	241	25	|	|	ADV
ijtc-1132	241	26	ilomata	ilomata	PROPN
ijtc-1132	241	27	international	international	ADJ
ijtc-1132	241	28	journal	journal	NOUN
ijtc-1132	241	29	of	of	ADP
ijtc-1132	241	30	tax	tax	PROPN
ijtc-1132	241	31	&	&	CCONJ
ijtc-1132	241	32	accounting	accounting	PROPN
ijtc-1132	241	33	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	241	34	gopinath	gopinath	NOUN
ijtc-1132	241	35	,	,	PUNCT
ijtc-1132	241	36	k.	k.	PROPN
ijtc-1132	241	37	,	,	PUNCT
ijtc-1132	241	38	selvam	selvam	PROPN
ijtc-1132	241	39	,	,	PUNCT
ijtc-1132	241	40	g.	g.	PROPN
ijtc-1132	241	41	,	,	PUNCT
ijtc-1132	241	42	&	&	CCONJ
ijtc-1132	241	43	narayanamurthy	narayanamurthy	PROPN
ijtc-1132	241	44	,	,	PUNCT
ijtc-1132	241	45	g.	g.	PROPN
ijtc-1132	241	46	(	(	PUNCT
ijtc-1132	241	47	2022	2022	NUM
ijtc-1132	241	48	)	)	PUNCT
ijtc-1132	241	49	.	.	PUNCT
ijtc-1132	242	1	determinants	determinant	NOUN
ijtc-1132	242	2	of	of	ADP
ijtc-1132	242	3	the	the	DET
ijtc-1132	242	4	adoption	adoption	NOUN
ijtc-1132	242	5	of	of	ADP
ijtc-1132	242	6	wearable	wearable	ADJ
ijtc-1132	242	7	devices	device	NOUN
ijtc-1132	242	8	for	for	ADP
ijtc-1132	242	9	health	health	NOUN
ijtc-1132	242	10	and	and	CCONJ
ijtc-1132	242	11	fitness	fitness	PROPN
ijtc-1132	242	12	:	:	PUNCT
ijtc-1132	242	13	a	a	DET
ijtc-1132	242	14	meta	meta	ADJ
ijtc-1132	242	15	-	-	ADJ
ijtc-1132	242	16	analytical	analytical	ADJ
ijtc-1132	242	17	study	study	NOUN
ijtc-1132	242	18	.	.	PUNCT
ijtc-1132	243	1	communications	communication	NOUN
ijtc-1132	243	2	of	of	ADP
ijtc-1132	243	3	the	the	DET
ijtc-1132	243	4	association	association	NOUN
ijtc-1132	243	5	for	for	ADP
ijtc-1132	243	6	information	information	NOUN
ijtc-1132	243	7	systems	system	NOUN
ijtc-1132	243	8	,	,	PUNCT
ijtc-1132	243	9	50(1	50(1	NUM
ijtc-1132	243	10	)	)	PUNCT
ijtc-1132	243	11	,	,	PUNCT
ijtc-1132	243	12	445–450	445–450	NUM
ijtc-1132	243	13	.	.	PUNCT
ijtc-1132	244	1	https://doi.org/10.17705/1cais.05019	https://doi.org/10.17705/1cais.05019	PROPN
ijtc-1132	244	2	gumilang	gumilang	PROPN
ijtc-1132	244	3	,	,	PUNCT
ijtc-1132	244	4	i.	i.	PROPN
ijtc-1132	244	5	,	,	PUNCT
ijtc-1132	244	6	&	&	CCONJ
ijtc-1132	244	7	hidayatullah	hidayatullah	PROPN
ijtc-1132	244	8	,	,	PUNCT
ijtc-1132	244	9	d.	d.	PROPN
ijtc-1132	244	10	s.	s.	PROPN
ijtc-1132	244	11	(	(	PUNCT
ijtc-1132	244	12	2018	2018	NUM
ijtc-1132	244	13	)	)	PUNCT
ijtc-1132	244	14	.	.	PUNCT
ijtc-1132	245	1	pengaruh	pengaruh	NOUN
ijtc-1132	245	2	relative	relative	ADJ
ijtc-1132	245	3	advantage	advantage	NOUN
ijtc-1132	245	4	,	,	PUNCT
ijtc-1132	245	5	complexity	complexity	NOUN
ijtc-1132	245	6	,	,	PUNCT
ijtc-1132	245	7	compatibilty	compatibilty	NOUN
ijtc-1132	245	8	,	,	PUNCT
ijtc-1132	245	9	subjective	subjective	ADJ
ijtc-1132	245	10	norm	norm	NOUN
ijtc-1132	245	11	,	,	PUNCT
ijtc-1132	245	12	dan	dan	PROPN
ijtc-1132	245	13	perceived	perceive	VERB
ijtc-1132	245	14	behavioral	behavioral	ADJ
ijtc-1132	245	15	control	control	PROPN
ijtc-1132	245	16	terhadap	terhadap	PROPN
ijtc-1132	245	17	niat	niat	PROPN
ijtc-1132	245	18	berwirausaha	berwirausaha	PROPN
ijtc-1132	245	19	online	online	PROPN
ijtc-1132	245	20	pada	pada	PROPN
ijtc-1132	245	21	lulusan	lulusan	PROPN
ijtc-1132	245	22	sekolah	sekolah	PROPN
ijtc-1132	245	23	bisnis	bisnis	PROPN
ijtc-1132	245	24	di	di	PROPN
ijtc-1132	245	25	bandung	bandung	PROPN
ijtc-1132	245	26	(	(	PUNCT
ijtc-1132	246	1	studi	studi	PROPN
ijtc-1132	246	2	kasus	kasus	PROPN
ijtc-1132	246	3	pada	pada	PROPN
ijtc-1132	246	4	sekolah	sekolah	PROPN
ijtc-1132	246	5	bisnis	bisnis	PROPN
ijtc-1132	246	6	manajemen	manajemen	PROPN
ijtc-1132	246	7	institut	institut	PROPN
ijtc-1132	246	8	teknologi	teknologi	PROPN
ijtc-1132	246	9	bandung	bandung	PROPN
ijtc-1132	246	10	dan	dan	PROPN
ijtc-1132	246	11	fakultas	fakulta	VERB
ijtc-1132	246	12	ekonomi	ekonomi	PROPN
ijtc-1132	246	13	bisnis	bisnis	PROPN
ijtc-1132	246	14	universitas	universita	NOUN
ijtc-1132	246	15	telkom	telkom	NOUN
ijtc-1132	246	16	)	)	PUNCT
ijtc-1132	246	17	.	.	PUNCT
ijtc-1132	247	1	eproceedings	eproceeding	NOUN
ijtc-1132	247	2	of	of	ADP
ijtc-1132	247	3	management	management	NOUN
ijtc-1132	247	4	,	,	PUNCT
ijtc-1132	247	5	5(1	5(1	NUM
ijtc-1132	247	6	)	)	PUNCT
ijtc-1132	247	7	.	.	PUNCT
ijtc-1132	248	1	hair	hair	NOUN
ijtc-1132	248	2	,	,	PUNCT
ijtc-1132	248	3	j.	j.	PROPN
ijtc-1132	248	4	f.	f.	PROPN
ijtc-1132	248	5	,	,	PUNCT
ijtc-1132	248	6	hult	hult	PROPN
ijtc-1132	248	7	,	,	PUNCT
ijtc-1132	248	8	g.	g.	PROPN
ijtc-1132	248	9	t.	t.	PROPN
ijtc-1132	248	10	m.	m.	PROPN
ijtc-1132	248	11	,	,	PUNCT
ijtc-1132	248	12	&	&	CCONJ
ijtc-1132	248	13	ringle	ringle	PROPN
ijtc-1132	248	14	,	,	PUNCT
ijtc-1132	248	15	c.	c.	PROPN
ijtc-1132	248	16	m.	m.	NOUN
ijtc-1132	248	17	(	(	PUNCT
ijtc-1132	248	18	2017	2017	NUM
ijtc-1132	248	19	)	)	PUNCT
ijtc-1132	248	20	.	.	PUNCT
ijtc-1132	249	1	a	a	DET
ijtc-1132	249	2	primer	primer	NOUN
ijtc-1132	249	3	on	on	ADP
ijtc-1132	249	4	partial	partial	ADJ
ijtc-1132	249	5	least	least	ADJ
ijtc-1132	249	6	squares	square	NOUN
ijtc-1132	249	7	structural	structural	ADJ
ijtc-1132	249	8	equation	equation	NOUN
ijtc-1132	249	9	modeling	modeling	NOUN
ijtc-1132	249	10	(	(	PUNCT
ijtc-1132	249	11	pls	pls	INTJ
ijtc-1132	249	12	-	-	PUNCT
ijtc-1132	249	13	sem	sem	NOUN
ijtc-1132	249	14	)	)	PUNCT
ijtc-1132	249	15	(	(	PUNCT
ijtc-1132	249	16	2nd	2nd	NOUN
ijtc-1132	249	17	edition	edition	NOUN
ijtc-1132	249	18	)	)	PUNCT
ijtc-1132	249	19	.	.	PUNCT
ijtc-1132	250	1	sage	sage	NOUN
ijtc-1132	250	2	publications	publication	NOUN
ijtc-1132	250	3	,	,	PUNCT
ijtc-1132	250	4	inc	inc	PROPN
ijtc-1132	250	5	.	.	PROPN
ijtc-1132	250	6	hair	hair	PROPN
ijtc-1132	250	7	,	,	PUNCT
ijtc-1132	250	8	j.	j.	PROPN
ijtc-1132	250	9	,	,	PUNCT
ijtc-1132	250	10	hollingsworth	hollingsworth	PROPN
ijtc-1132	250	11	,	,	PUNCT
ijtc-1132	250	12	c.	c.	PROPN
ijtc-1132	250	13	l.	l.	PROPN
ijtc-1132	250	14	,	,	PUNCT
ijtc-1132	250	15	randolph	randolph	PROPN
ijtc-1132	250	16	,	,	PUNCT
ijtc-1132	250	17	a.	a.	PROPN
ijtc-1132	250	18	b.	b.	PROPN
ijtc-1132	250	19	,	,	PUNCT
ijtc-1132	250	20	&	&	CCONJ
ijtc-1132	250	21	chong	chong	PROPN
ijtc-1132	250	22	,	,	PUNCT
ijtc-1132	250	23	a.	a.	PROPN
ijtc-1132	250	24	y.	y.	PROPN
ijtc-1132	250	25	l.	l.	PROPN
ijtc-1132	250	26	(	(	PUNCT
ijtc-1132	250	27	2017	2017	NUM
ijtc-1132	250	28	)	)	PUNCT
ijtc-1132	250	29	.	.	PUNCT
ijtc-1132	251	1	an	an	DET
ijtc-1132	251	2	updated	update	VERB
ijtc-1132	251	3	and	and	CCONJ
ijtc-1132	251	4	expanded	expand	VERB
ijtc-1132	251	5	assessment	assessment	NOUN
ijtc-1132	251	6	of	of	ADP
ijtc-1132	251	7	pls	pls	NOUN
ijtc-1132	251	8	-	-	PUNCT
ijtc-1132	251	9	sem	sem	NOUN
ijtc-1132	251	10	in	in	ADP
ijtc-1132	251	11	information	information	NOUN
ijtc-1132	251	12	systems	system	NOUN
ijtc-1132	251	13	research	research	NOUN
ijtc-1132	251	14	.	.	PUNCT
ijtc-1132	252	1	industrial	industrial	ADJ
ijtc-1132	252	2	management	management	PROPN
ijtc-1132	252	3	&	&	CCONJ
ijtc-1132	252	4	data	datum	NOUN
ijtc-1132	252	5	systems	system	NOUN
ijtc-1132	252	6	,	,	PUNCT
ijtc-1132	252	7	117(3	117(3	NUM
ijtc-1132	252	8	)	)	PUNCT
ijtc-1132	252	9	,	,	PUNCT
ijtc-1132	252	10	442–458	442–458	NUM
ijtc-1132	252	11	.	.	PUNCT
ijtc-1132	253	1	https://doi.org/10.1108/imds-04-2016-0130	https://doi.org/10.1108/imds-04-2016-0130	PROPN
ijtc-1132	253	2	halim	halim	PROPN
ijtc-1132	253	3	,	,	PUNCT
ijtc-1132	253	4	f.	f.	PROPN
ijtc-1132	253	5	,	,	PUNCT
ijtc-1132	253	6	e.	e.	PROPN
ijtc-1132	253	7	b.	b.	PROPN
ijtc-1132	253	8	m.	m.	PROPN
ijtc-1132	253	9	,	,	PUNCT
ijtc-1132	253	10	m.	m.	NOUN
ijtc-1132	253	11	a.	a.	PROPN
ijtc-1132	253	12	r.	r.	PROPN
ijtc-1132	253	13	,	,	PUNCT
ijtc-1132	253	14	&	&	CCONJ
ijtc-1132	253	15	s.	s.	PROPN
ijtc-1132	253	16	a.	a.	PROPN
ijtc-1132	253	17	,	,	PUNCT
ijtc-1132	253	18	efendi	efendi	PROPN
ijtc-1132	253	19	,	,	PUNCT
ijtc-1132	253	20	b.	b.	PROPN
ijtc-1132	253	21	,	,	PUNCT
ijtc-1132	253	22	m.	m.	NOUN
ijtc-1132	253	23	,	,	PUNCT
ijtc-1132	253	24	m.	m.	NOUN
ijtc-1132	253	25	a.	a.	PROPN
ijtc-1132	253	26	r.	r.	PROPN
ijtc-1132	253	27	,	,	PUNCT
ijtc-1132	253	28	&	&	CCONJ
ijtc-1132	253	29	sudirman	sudirman	PROPN
ijtc-1132	253	30	,	,	PUNCT
ijtc-1132	253	31	a.	a.	NOUN
ijtc-1132	253	32	(	(	PUNCT
ijtc-1132	253	33	2020	2020	NUM
ijtc-1132	253	34	,	,	PUNCT
ijtc-1132	253	35	october	october	PROPN
ijtc-1132	253	36	14	14	NUM
ijtc-1132	253	37	)	)	PUNCT
ijtc-1132	253	38	.	.	PUNCT
ijtc-1132	254	1	constituents	constituent	NOUN
ijtc-1132	254	2	driving	drive	VERB
ijtc-1132	254	3	interest	interest	NOUN
ijtc-1132	254	4	in	in	ADP
ijtc-1132	254	5	using	use	VERB
ijtc-1132	254	6	e	e	NOUN
ijtc-1132	254	7	-	-	NOUN
ijtc-1132	254	8	wallets	wallet	NOUN
ijtc-1132	254	9	in	in	ADP
ijtc-1132	254	10	generation	generation	NOUN
ijtc-1132	254	11	z.	z.	PROPN
ijtc-1132	254	12	proceeding	proceeding	PROPN
ijtc-1132	254	13	on	on	ADP
ijtc-1132	254	14	international	international	ADJ
ijtc-1132	254	15	conference	conference	NOUN
ijtc-1132	254	16	of	of	ADP
ijtc-1132	254	17	science	science	NOUN
ijtc-1132	254	18	management	management	NOUN
ijtc-1132	254	19	art	art	NOUN
ijtc-1132	254	20	research	research	NOUN
ijtc-1132	254	21	technology	technology	NOUN
ijtc-1132	254	22	.	.	PUNCT
ijtc-1132	255	1	https://doi.org/10.31098/ic-smart.v1i1.32	https://doi.org/10.31098/ic-smart.v1i1.32	X
ijtc-1132	256	1	hidayat	hidayat	PROPN
ijtc-1132	256	2	,	,	PUNCT
ijtc-1132	256	3	a.	a.	PROPN
ijtc-1132	256	4	r.	r.	PROPN
ijtc-1132	256	5	(	(	PUNCT
ijtc-1132	256	6	2023	2023	NUM
ijtc-1132	256	7	)	)	PUNCT
ijtc-1132	256	8	.	.	PUNCT
ijtc-1132	257	1	analisis	analisis	ADJ
ijtc-1132	257	2	adopsi	adopsi	PROPN
ijtc-1132	257	3	penggunaan	penggunaan	PROPN
ijtc-1132	257	4	sistem	sistem	PROPN
ijtc-1132	257	5	pembayaran	pembayaran	PROPN
ijtc-1132	257	6	fintech	fintech	PROPN
ijtc-1132	257	7	pada	pada	PROPN
ijtc-1132	257	8	generasi	generasi	PROPN
ijtc-1132	257	9	milenial	milenial	PROPN
ijtc-1132	257	10	menggunakan	menggunakan	PROPN
ijtc-1132	257	11	teori	teori	PROPN
ijtc-1132	257	12	difusi	difusi	PROPN
ijtc-1132	257	13	inovasi	inovasi	PROPN
ijtc-1132	257	14	.	.	PUNCT
ijtc-1132	258	1	jurnal	jurnal	ADJ
ijtc-1132	258	2	ilmu	ilmu	PROPN
ijtc-1132	258	3	manajemen	manajeman	NOUN
ijtc-1132	258	4	,	,	PUNCT
ijtc-1132	258	5	13	13	NUM
ijtc-1132	258	6	.	.	PUNCT
ijtc-1132	258	7	https://doi.org/10.32502/jimn.v13i2.6974	https://doi.org/10.32502/jimn.v13i2.6974	PROPN
ijtc-1132	258	8	hidayat	hidayat	PROPN
ijtc-1132	258	9	,	,	PUNCT
ijtc-1132	258	10	d.	d.	PROPN
ijtc-1132	258	11	,	,	PUNCT
ijtc-1132	258	12	pangaribuan	pangaribuan	PROPN
ijtc-1132	258	13	,	,	PUNCT
ijtc-1132	258	14	c.	c.	PROPN
ijtc-1132	258	15	h.	h.	PROPN
ijtc-1132	258	16	,	,	PUNCT
ijtc-1132	258	17	putra	putra	PROPN
ijtc-1132	258	18	,	,	PUNCT
ijtc-1132	258	19	o.	o.	PROPN
ijtc-1132	258	20	p.	p.	PROPN
ijtc-1132	258	21	b.	b.	PROPN
ijtc-1132	258	22	,	,	PUNCT
ijtc-1132	258	23	&	&	CCONJ
ijtc-1132	258	24	taufiq	taufiq	PROPN
ijtc-1132	258	25	,	,	PUNCT
ijtc-1132	258	26	f.	f.	PROPN
ijtc-1132	258	27	j.	j.	PROPN
ijtc-1132	258	28	(	(	PUNCT
ijtc-1132	258	29	2021	2021	NUM
ijtc-1132	258	30	)	)	PUNCT
ijtc-1132	258	31	.	.	PUNCT
ijtc-1132	259	1	expanding	expand	VERB
ijtc-1132	259	2	the	the	DET
ijtc-1132	259	3	technology	technology	NOUN
ijtc-1132	259	4	acceptance	acceptance	NOUN
ijtc-1132	259	5	model	model	NOUN
ijtc-1132	259	6	with	with	ADP
ijtc-1132	259	7	the	the	DET
ijtc-1132	259	8	inclusion	inclusion	NOUN
ijtc-1132	259	9	of	of	ADP
ijtc-1132	259	10	trust	trust	NOUN
ijtc-1132	259	11	and	and	CCONJ
ijtc-1132	259	12	mobility	mobility	NOUN
ijtc-1132	259	13	to	to	PART
ijtc-1132	259	14	assess	assess	VERB
ijtc-1132	259	15	e	e	NOUN
ijtc-1132	259	16	-	-	NOUN
ijtc-1132	259	17	wallet	wallet	NOUN
ijtc-1132	259	18	user	user	NOUN
ijtc-1132	259	19	behavior	behavior	NOUN
ijtc-1132	259	20	:	:	PUNCT
ijtc-1132	259	21	evidence	evidence	NOUN
ijtc-1132	259	22	from	from	ADP
ijtc-1132	259	23	ovo	ovo	PROPN
ijtc-1132	259	24	consumers	consumer	NOUN
ijtc-1132	259	25	in	in	ADP
ijtc-1132	259	26	indonesia	indonesia	PROPN
ijtc-1132	259	27	.	.	PUNCT
ijtc-1132	260	1	iop	iop	PROPN
ijtc-1132	260	2	conference	conference	PROPN
ijtc-1132	260	3	series	series	PROPN
ijtc-1132	260	4	:	:	PUNCT
ijtc-1132	260	5	earth	earth	NOUN
ijtc-1132	260	6	and	and	CCONJ
ijtc-1132	260	7	environmental	environmental	ADJ
ijtc-1132	260	8	science	science	NOUN
ijtc-1132	260	9	,	,	PUNCT
ijtc-1132	260	10	729(1	729(1	NUM
ijtc-1132	260	11	)	)	PUNCT
ijtc-1132	260	12	.	.	PUNCT
ijtc-1132	261	1	https://doi.org/10.1088/1755-1315/729/1/012050	https://doi.org/10.1088/1755-1315/729/1/012050	PROPN
ijtc-1132	261	2	iman	iman	NOUN
ijtc-1132	261	3	,	,	PUNCT
ijtc-1132	261	4	n.	n.	NOUN
ijtc-1132	261	5	(	(	PUNCT
ijtc-1132	261	6	2018	2018	NUM
ijtc-1132	261	7	)	)	PUNCT
ijtc-1132	261	8	.	.	PUNCT
ijtc-1132	262	1	is	be	AUX
ijtc-1132	262	2	mobile	mobile	ADJ
ijtc-1132	262	3	payment	payment	NOUN
ijtc-1132	262	4	still	still	ADV
ijtc-1132	262	5	relevant	relevant	ADJ
ijtc-1132	262	6	in	in	ADP
ijtc-1132	262	7	the	the	DET
ijtc-1132	262	8	fintech	fintech	NOUN
ijtc-1132	262	9	era	era	NOUN
ijtc-1132	262	10	?	?	PUNCT
ijtc-1132	263	1	electronic	electronic	ADJ
ijtc-1132	263	2	commerce	commerce	NOUN
ijtc-1132	263	3	research	research	NOUN
ijtc-1132	263	4	and	and	CCONJ
ijtc-1132	263	5	applications	application	NOUN
ijtc-1132	263	6	,	,	PUNCT
ijtc-1132	263	7	30	30	NUM
ijtc-1132	263	8	,	,	PUNCT
ijtc-1132	263	9	72–82	72–82	NUM
ijtc-1132	263	10	.	.	PUNCT
ijtc-1132	264	1	https://doi.org/10.1016/j.elerap.2018.05.009	https://doi.org/10.1016/j.elerap.2018.05.009	PROPN
ijtc-1132	264	2	indonesia	indonesia	PROPN
ijtc-1132	264	3	,	,	PUNCT
ijtc-1132	264	4	j.	j.	PROPN
ijtc-1132	264	5	p.	p.	PROPN
ijtc-1132	264	6	(	(	PUNCT
ijtc-1132	264	7	n.d	n.d	PROPN
ijtc-1132	264	8	.	.	PROPN
ijtc-1132	264	9	)	)	PUNCT
ijtc-1132	264	10	.	.	PUNCT
ijtc-1132	265	1	abdillah	abdillah	PROPN
ijtc-1132	265	2	,	,	PUNCT
ijtc-1132	265	3	w.	w.	PROPN
ijtc-1132	265	4	,	,	PUNCT
ijtc-1132	265	5	&	&	CCONJ
ijtc-1132	265	6	hartono	hartono	PROPN
ijtc-1132	265	7	,	,	PUNCT
ijtc-1132	265	8	j.(2015	j.(2015	PROPN
ijtc-1132	265	9	)	)	PUNCT
ijtc-1132	265	10	.	.	PUNCT
ijtc-1132	266	1	partial	partial	ADJ
ijtc-1132	266	2	least	least	ADJ
ijtc-1132	266	3	square	square	ADJ
ijtc-1132	266	4	(	(	PUNCT
ijtc-1132	266	5	pls	pls	INTJ
ijtc-1132	266	6	):	):	PUNCT
ijtc-1132	266	7	alternatif	alternatif	PROPN
ijtc-1132	266	8	structural	structural	ADJ
ijtc-1132	266	9	equation	equation	NOUN
ijtc-1132	266	10	modeling	modeling	NOUN
ijtc-1132	266	11	(	(	PUNCT
ijtc-1132	266	12	sem	sem	NOUN
ijtc-1132	266	13	)	)	PUNCT
ijtc-1132	266	14	dalam	dalam	PROPN
ijtc-1132	266	15	penelitian	penelitian	PROPN
ijtc-1132	266	16	bisnis	bisnis	PROPN
ijtc-1132	266	17	.	.	PUNCT
ijtc-1132	267	1	yogyakarta	yogyakarta	PROPN
ijtc-1132	267	2	:	:	PUNCT
ijtc-1132	268	1	penerbit	penerbit	PROPN
ijtc-1132	268	2	andi	andi	PROPN
ijtc-1132	268	3	.	.	PROPN
ijtc-1132	268	4	agarwal	agarwal	PROPN
ijtc-1132	268	5	,	,	PUNCT
ijtc-1132	268	6	s.	s.	PROPN
ijtc-1132	268	7	,	,	PUNCT
ijtc-1132	268	8	&	&	CCONJ
ijtc-1132	268	9	dewan	dewan	PROPN
ijtc-1132	268	10	,	,	PUNCT
ijtc-1132	268	11	j.(2020	j.(2020	PROPN
ijtc-1132	268	12	)	)	PUNCT
ijtc-1132	268	13	.	.	PUNCT
ijtc-1132	269	1	an	an	DET
ijtc-1132	269	2	analysis	analysis	NOUN
ijtc-1132	269	3	of	of	ADP
ijtc-1132	269	4	the	the	DET
ijtc-1132	269	5	effectiveness	effectiveness	NOUN
ijtc-1132	269	6	of	of	ADP
ijtc-1132	269	7	online	online	ADJ
ijtc-1132	269	8	learning	learning	NOUN
ijtc-1132	269	9	in	in	ADP
ijtc-1132	269	10	colleges	college	NOUN
ijtc-1132	269	11	of	of	ADP
ijtc-1132	269	12	uttar	uttar	PROPN
ijtc-1132	269	13	pradesh	pradesh	PROPN
ijtc-1132	269	14	during	during	ADP
ijtc-1132	269	15	the	the	DET
ijtc-1132	269	16	covid	covid	PROPN
ijtc-1132	269	17	19	19	NUM
ijtc-1132	269	18	lockdown	lockdown	NOUN
ijtc-1132	269	19	.	.	PUNCT
ijtc-1132	270	1	journal	journal	PROPN
ijtc-1132	270	2	of	of	ADP
ijtc-1132	270	3	xi’an	xi’an	PROPN
ijtc-1132	270	4	university	university	PROPN
ijtc-1132	270	5	of	of	ADP
ijtc-1132	270	6	architecture	architecture	NOUN
ijtc-1132	270	7	&	&	CCONJ
ijtc-1132	270	8	technology	technology	NOUN
ijtc-1132	270	9	,	,	PUNCT
ijtc-1132	270	10	2957	2957	NUM
ijtc-1132	270	11	,	,	PUNCT
ijtc-1132	270	12	2963	2963	NUM
ijtc-1132	270	13	.	.	PUNCT
ijtc-1132	271	1	ipsos	ipso	NOUN
ijtc-1132	271	2	,	,	PUNCT
ijtc-1132	271	3	p.	p.	PROPN
ijtc-1132	271	4	,	,	PUNCT
ijtc-1132	271	5	dompet	dompet	PROPN
ijtc-1132	271	6	,	,	PUNCT
ijtc-1132	271	7	e.	e.	PROPN
ijtc-1132	271	8	,	,	PUNCT
ijtc-1132	271	9	menuju	menuju	PROPN
ijtc-1132	271	10	,	,	PUNCT
ijtc-1132	271	11	d.	d.	PROPN
ijtc-1132	271	12	,	,	PUNCT
ijtc-1132	271	13	&	&	CCONJ
ijtc-1132	271	14	bisnis	bisnis	PROPN
ijtc-1132	271	15	,	,	PUNCT
ijtc-1132	271	16	k.	k.	PROPN
ijtc-1132	271	17	(	(	PUNCT
ijtc-1132	271	18	2020	2020	NUM
ijtc-1132	271	19	)	)	PUNCT
ijtc-1132	271	20	.	.	PUNCT
ijtc-1132	272	1	press	press	NOUN
ijtc-1132	272	2	release	release	NOUN
ijtc-1132	272	3	.	.	PUNCT
ijtc-1132	273	1	krismawan	krismawan	PROPN
ijtc-1132	273	2	,	,	PUNCT
ijtc-1132	273	3	a.	a.	NOUN
ijtc-1132	273	4	(	(	PUNCT
ijtc-1132	273	5	2014	2014	NUM
ijtc-1132	273	6	)	)	PUNCT
ijtc-1132	273	7	.	.	PUNCT
ijtc-1132	274	1	pengaruh	pengaruh	PROPN
ijtc-1132	274	2	komponen	komponen	PROPN
ijtc-1132	274	3	penerimaan	penerimaan	PROPN
ijtc-1132	274	4	teknologi	teknologi	PROPN
ijtc-1132	274	5	dan	dan	PROPN
ijtc-1132	274	6	difusi	difusi	PROPN
ijtc-1132	274	7	inovasi	inovasi	PROPN
ijtc-1132	274	8	terhadap	terhadap	PROPN
ijtc-1132	274	9	niat	niat	PROPN
ijtc-1132	274	10	berperilaku	berperilaku	PROPN
ijtc-1132	274	11	menggunakan	menggunakan	PROPN
ijtc-1132	274	12	telepon	telepon	PROPN
ijtc-1132	274	13	pintar	pintar	PROPN
ijtc-1132	274	14	.	.	PROPN
ijtc-1132	274	15	universitas	universitas	PROPN
ijtc-1132	274	16	atma	atma	PROPN
ijtc-1132	274	17	jaya	jaya	PROPN
ijtc-1132	274	18	.	.	PUNCT
ijtc-1132	275	1	lazaroni	lazaroni	PROPN
ijtc-1132	275	2	ibrahim	ibrahim	PROPN
ijtc-1132	275	3	.	.	PUNCT
ijtc-1132	276	1	(	(	PUNCT
ijtc-1132	276	2	2017	2017	NUM
ijtc-1132	276	3	)	)	PUNCT
ijtc-1132	276	4	.	.	PUNCT
ijtc-1132	277	1	analisis	analisis	PROPN
ijtc-1132	277	2	kesuksesan	kesuksesan	PROPN
ijtc-1132	277	3	“	"	PUNCT
ijtc-1132	277	4	sistem	sistem	PROPN
ijtc-1132	277	5	informasi	informasi	PROPN
ijtc-1132	277	6	manajemen	manajeman	NOUN
ijtc-1132	277	7	kinerja	kinerja	PROPN
ijtc-1132	277	8	pegawai	pegawai	PROPN
ijtc-1132	277	9	secara	secara	PROPN
ijtc-1132	277	10	elektronik	elektronik	PROPN
ijtc-1132	277	11	(	(	PUNCT
ijtc-1132	277	12	e	e	NOUN
ijtc-1132	277	13	-	-	NOUN
ijtc-1132	277	14	performance	performance	NOUN
ijtc-1132	277	15	)	)	PUNCT
ijtc-1132	277	16	pada	pada	NOUN
ijtc-1132	277	17	dinas	dinas	PROPN
ijtc-1132	277	18	tenaga	tenaga	PROPN
ijtc-1132	277	19	kerja	kerja	PROPN
ijtc-1132	277	20	kota	kota	PROPN
ijtc-1132	277	21	surabaya	surabaya	PROPN
ijtc-1132	277	22	”	"	PUNCT
ijtc-1132	277	23	menggunakan	menggunakan	PROPN
ijtc-1132	277	24	information	information	NOUN
ijtc-1132	277	25	system	system	NOUN
ijtc-1132	277	26	success	success	NOUN
ijtc-1132	277	27	model	model	NOUN
ijtc-1132	277	28	(	(	PUNCT
ijtc-1132	277	29	issm	issm	PROPN
ijtc-1132	277	30	)	)	PUNCT
ijtc-1132	277	31	.	.	PUNCT
ijtc-1132	278	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	278	2	the	the	DET
ijtc-1132	278	3	determinants	determinant	NOUN
ijtc-1132	278	4	of	of	ADP
ijtc-1132	278	5	mobile	mobile	ADJ
ijtc-1132	278	6	e	e	NOUN
ijtc-1132	278	7	-	-	NOUN
ijtc-1132	278	8	wallet	wallet	NOUN
ijtc-1132	278	9	adoption	adoption	NOUN
ijtc-1132	278	10	across	across	ADP
ijtc-1132	278	11	generation	generation	NOUN
ijtc-1132	278	12	,	,	PUNCT
ijtc-1132	278	13	a	a	DET
ijtc-1132	278	14	lesson	lesson	NOUN
ijtc-1132	278	15	learned	learn	VERB
ijtc-1132	278	16	from	from	ADP
ijtc-1132	278	17	indonesia	indonesia	PROPN
ijtc-1132	278	18	arini	arini	PROPN
ijtc-1132	278	19	,	,	PUNCT
ijtc-1132	278	20	lestari	lestari	NOUN
ijtc-1132	278	21	and	and	CCONJ
ijtc-1132	278	22	hanani	hanani	ADJ
ijtc-1132	278	23	501	501	NUM
ijtc-1132	278	24	|	|	ADV
ijtc-1132	278	25	ilomata	ilomata	PROPN
ijtc-1132	278	26	international	international	ADJ
ijtc-1132	278	27	journal	journal	NOUN
ijtc-1132	278	28	of	of	ADP
ijtc-1132	278	29	tax	tax	PROPN
ijtc-1132	278	30	&	&	CCONJ
ijtc-1132	278	31	accounting	accounting	PROPN
ijtc-1132	278	32	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	278	33	lin	lin	PROPN
ijtc-1132	278	34	,	,	PUNCT
ijtc-1132	278	35	w.	w.	PROPN
ijtc-1132	278	36	r.	r.	PROPN
ijtc-1132	278	37	,	,	PUNCT
ijtc-1132	278	38	lin	lin	PROPN
ijtc-1132	278	39	,	,	PUNCT
ijtc-1132	278	40	c.-y	c.-y	NOUN
ijtc-1132	278	41	.	.	PUNCT
ijtc-1132	278	42	,	,	PUNCT
ijtc-1132	278	43	&	&	CCONJ
ijtc-1132	278	44	ding	ding	NOUN
ijtc-1132	278	45	,	,	PUNCT
ijtc-1132	278	46	y.-h	y.-h	PROPN
ijtc-1132	278	47	.	.	PUNCT
ijtc-1132	279	1	(	(	PUNCT
ijtc-1132	279	2	2020	2020	NUM
ijtc-1132	279	3	)	)	PUNCT
ijtc-1132	279	4	.	.	PUNCT
ijtc-1132	280	1	factors	factor	NOUN
ijtc-1132	280	2	affecting	affect	VERB
ijtc-1132	280	3	the	the	DET
ijtc-1132	280	4	behavioral	behavioral	ADJ
ijtc-1132	280	5	intention	intention	NOUN
ijtc-1132	280	6	to	to	PART
ijtc-1132	280	7	adopt	adopt	VERB
ijtc-1132	280	8	mobile	mobile	ADJ
ijtc-1132	280	9	payment	payment	NOUN
ijtc-1132	280	10	:	:	PUNCT
ijtc-1132	280	11	an	an	DET
ijtc-1132	280	12	empirical	empirical	ADJ
ijtc-1132	280	13	study	study	NOUN
ijtc-1132	280	14	in	in	ADP
ijtc-1132	280	15	taiwan	taiwan	PROPN
ijtc-1132	280	16	.	.	PUNCT
ijtc-1132	281	1	mathematics	mathematic	NOUN
ijtc-1132	281	2	,	,	PUNCT
ijtc-1132	281	3	8(10	8(10	NUM
ijtc-1132	281	4	)	)	PUNCT
ijtc-1132	281	5	,	,	PUNCT
ijtc-1132	281	6	1851	1851	NUM
ijtc-1132	281	7	.	.	PUNCT
ijtc-1132	282	1	https://doi.org/10.3390/math8101851	https://doi.org/10.3390/math8101851	PROPN
ijtc-1132	282	2	marpaung	marpaung	PROPN
ijtc-1132	282	3	,	,	PUNCT
ijtc-1132	282	4	f.	f.	PROPN
ijtc-1132	282	5	k.	k.	PROPN
ijtc-1132	282	6	,	,	PUNCT
ijtc-1132	282	7	dewi	dewi	PROPN
ijtc-1132	282	8	,	,	PUNCT
ijtc-1132	282	9	r.	r.	PROPN
ijtc-1132	282	10	s.	s.	PROPN
ijtc-1132	282	11	,	,	PUNCT
ijtc-1132	282	12	grace	grace	NOUN
ijtc-1132	282	13	,	,	PUNCT
ijtc-1132	282	14	e.	e.	PROPN
ijtc-1132	282	15	,	,	PUNCT
ijtc-1132	282	16	sudirman	sudirman	PROPN
ijtc-1132	282	17	,	,	PUNCT
ijtc-1132	282	18	a.	a.	PROPN
ijtc-1132	282	19	,	,	PUNCT
ijtc-1132	282	20	&	&	CCONJ
ijtc-1132	282	21	sugiat	sugiat	PROPN
ijtc-1132	282	22	,	,	PUNCT
ijtc-1132	282	23	m.	m.	NOUN
ijtc-1132	282	24	(	(	PUNCT
ijtc-1132	282	25	2021	2021	NUM
ijtc-1132	282	26	)	)	PUNCT
ijtc-1132	282	27	.	.	PUNCT
ijtc-1132	283	1	behavioral	behavioral	ADJ
ijtc-1132	283	2	stimulus	stimulus	NOUN
ijtc-1132	283	3	for	for	ADP
ijtc-1132	283	4	using	use	VERB
ijtc-1132	283	5	bank	bank	PROPN
ijtc-1132	283	6	mestika	mestika	PROPN
ijtc-1132	283	7	mobile	mobile	PROPN
ijtc-1132	283	8	banking	banking	NOUN
ijtc-1132	283	9	services	service	NOUN
ijtc-1132	283	10	:	:	PUNCT
ijtc-1132	283	11	utaut2	utaut2	PROPN
ijtc-1132	283	12	model	model	PROPN
ijtc-1132	283	13	perspective	perspective	PROPN
ijtc-1132	283	14	.	.	PUNCT
ijtc-1132	284	1	golden	golden	ADJ
ijtc-1132	284	2	ratio	ratio	NOUN
ijtc-1132	284	3	of	of	ADP
ijtc-1132	284	4	marketing	marketing	NOUN
ijtc-1132	284	5	and	and	CCONJ
ijtc-1132	284	6	applied	apply	VERB
ijtc-1132	284	7	psychology	psychology	NOUN
ijtc-1132	284	8	of	of	ADP
ijtc-1132	284	9	business	business	NOUN
ijtc-1132	284	10	,	,	PUNCT
ijtc-1132	284	11	1(2	1(2	NUM
ijtc-1132	284	12	)	)	PUNCT
ijtc-1132	284	13	,	,	PUNCT
ijtc-1132	284	14	61–72	61–72	NUM
ijtc-1132	284	15	.	.	PUNCT
ijtc-1132	285	1	https://doi.org/10.52970/grmapb.v1i2.68	https://doi.org/10.52970/grmapb.v1i2.68	PROPN
ijtc-1132	285	2	mombeuil	mombeuil	PROPN
ijtc-1132	285	3	,	,	PUNCT
ijtc-1132	285	4	c.	c.	PROPN
ijtc-1132	285	5	(	(	PUNCT
ijtc-1132	285	6	2020	2020	NUM
ijtc-1132	285	7	)	)	PUNCT
ijtc-1132	285	8	.	.	PUNCT
ijtc-1132	286	1	an	an	DET
ijtc-1132	286	2	exploratory	exploratory	ADJ
ijtc-1132	286	3	investigation	investigation	NOUN
ijtc-1132	286	4	of	of	ADP
ijtc-1132	286	5	factors	factor	NOUN
ijtc-1132	286	6	affecting	affect	VERB
ijtc-1132	286	7	and	and	CCONJ
ijtc-1132	286	8	best	well	ADV
ijtc-1132	286	9	predicting	predict	VERB
ijtc-1132	286	10	the	the	DET
ijtc-1132	286	11	renewed	renew	VERB
ijtc-1132	286	12	adoption	adoption	NOUN
ijtc-1132	286	13	of	of	ADP
ijtc-1132	286	14	mobile	mobile	ADJ
ijtc-1132	286	15	wallets	wallet	NOUN
ijtc-1132	286	16	.	.	PUNCT
ijtc-1132	287	1	journal	journal	NOUN
ijtc-1132	287	2	of	of	ADP
ijtc-1132	287	3	retailing	retailing	NOUN
ijtc-1132	287	4	and	and	CCONJ
ijtc-1132	287	5	consumer	consumer	NOUN
ijtc-1132	287	6	services	service	NOUN
ijtc-1132	287	7	,	,	PUNCT
ijtc-1132	287	8	55	55	NUM
ijtc-1132	287	9	,	,	PUNCT
ijtc-1132	287	10	102127	102127	NUM
ijtc-1132	287	11	.	.	PUNCT
ijtc-1132	288	1	https://doi.org/10.1016/j.jretconser.2020.102127	https://doi.org/10.1016/j.jretconser.2020.102127	PROPN
ijtc-1132	288	2	okonkwo	okonkwo	PROPN
ijtc-1132	288	3	,	,	PUNCT
ijtc-1132	288	4	c.	c.	PROPN
ijtc-1132	288	5	w.	w.	PROPN
ijtc-1132	288	6	,	,	PUNCT
ijtc-1132	288	7	amusa	amusa	PROPN
ijtc-1132	288	8	,	,	PUNCT
ijtc-1132	288	9	l.	l.	PROPN
ijtc-1132	288	10	b.	b.	PROPN
ijtc-1132	288	11	,	,	PUNCT
ijtc-1132	288	12	twinomurinzi	twinomurinzi	PROPN
ijtc-1132	288	13	,	,	PUNCT
ijtc-1132	288	14	h.	h.	PROPN
ijtc-1132	288	15	,	,	PUNCT
ijtc-1132	288	16	&	&	CCONJ
ijtc-1132	288	17	wamba	wamba	PROPN
ijtc-1132	288	18	,	,	PUNCT
ijtc-1132	288	19	s.	s.	PROPN
ijtc-1132	288	20	f.	f.	PROPN
ijtc-1132	288	21	(	(	PUNCT
ijtc-1132	288	22	2022	2022	NUM
ijtc-1132	288	23	)	)	PUNCT
ijtc-1132	288	24	.	.	PUNCT
ijtc-1132	289	1	mobile	mobile	ADJ
ijtc-1132	289	2	wallets	wallet	NOUN
ijtc-1132	289	3	in	in	ADP
ijtc-1132	289	4	cashbased	cashbase	VERB
ijtc-1132	289	5	economies	economy	NOUN
ijtc-1132	289	6	during	during	ADP
ijtc-1132	289	7	covid-19	covid-19	PROPN
ijtc-1132	289	8	.	.	PUNCT
ijtc-1132	289	9	industrial	industrial	PROPN
ijtc-1132	289	10	management	management	PROPN
ijtc-1132	289	11	&	&	CCONJ
ijtc-1132	289	12	data	datum	NOUN
ijtc-1132	289	13	systems	system	NOUN
ijtc-1132	289	14	,	,	PUNCT
ijtc-1132	289	15	123(2	123(2	NUM
ijtc-1132	289	16	)	)	PUNCT
ijtc-1132	289	17	,	,	PUNCT
ijtc-1132	289	18	653–671	653–671	NUM
ijtc-1132	289	19	.	.	PUNCT
ijtc-1132	290	1	rogers	rogers	PROPN
ijtc-1132	290	2	,	,	PUNCT
ijtc-1132	290	3	e.	e.	PROPN
ijtc-1132	290	4	m.	m.	PROPN
ijtc-1132	290	5	,	,	PUNCT
ijtc-1132	290	6	singhal	singhal	PROPN
ijtc-1132	290	7	,	,	PUNCT
ijtc-1132	290	8	a.	a.	PROPN
ijtc-1132	290	9	,	,	PUNCT
ijtc-1132	290	10	&	&	CCONJ
ijtc-1132	290	11	quinlan	quinlan	PROPN
ijtc-1132	290	12	,	,	PUNCT
ijtc-1132	290	13	m.	m.	NOUN
ijtc-1132	290	14	m.	m.	NOUN
ijtc-1132	290	15	(	(	PUNCT
ijtc-1132	290	16	2014	2014	NUM
ijtc-1132	290	17	)	)	PUNCT
ijtc-1132	290	18	.	.	PUNCT
ijtc-1132	291	1	diffusion	diffusion	NOUN
ijtc-1132	291	2	of	of	ADP
ijtc-1132	291	3	innovations	innovation	NOUN
ijtc-1132	291	4	.	.	PUNCT
ijtc-1132	292	1	in	in	ADP
ijtc-1132	292	2	an	an	DET
ijtc-1132	292	3	integrated	integrated	ADJ
ijtc-1132	292	4	approach	approach	NOUN
ijtc-1132	292	5	to	to	ADP
ijtc-1132	292	6	communication	communication	NOUN
ijtc-1132	292	7	theory	theory	NOUN
ijtc-1132	292	8	and	and	CCONJ
ijtc-1132	292	9	research	research	NOUN
ijtc-1132	292	10	(	(	PUNCT
ijtc-1132	292	11	pp	pp	ADJ
ijtc-1132	292	12	.	.	PUNCT
ijtc-1132	293	1	432–448	432–448	NUM
ijtc-1132	293	2	)	)	PUNCT
ijtc-1132	293	3	.	.	PUNCT
ijtc-1132	294	1	routledge	routledge	PROPN
ijtc-1132	294	2	.	.	PROPN
ijtc-1132	294	3	sebetci	sebetci	PROPN
ijtc-1132	294	4	,	,	PUNCT
ijtc-1132	294	5	ö.	ö.	PROPN
ijtc-1132	294	6	(	(	PUNCT
ijtc-1132	294	7	2018	2018	NUM
ijtc-1132	294	8	)	)	PUNCT
ijtc-1132	294	9	.	.	PUNCT
ijtc-1132	295	1	enhancing	enhance	VERB
ijtc-1132	295	2	end	end	NOUN
ijtc-1132	295	3	-	-	PUNCT
ijtc-1132	295	4	user	user	NOUN
ijtc-1132	295	5	satisfaction	satisfaction	NOUN
ijtc-1132	295	6	through	through	ADP
ijtc-1132	295	7	technology	technology	NOUN
ijtc-1132	295	8	compatibility	compatibility	NOUN
ijtc-1132	295	9	:	:	PUNCT
ijtc-1132	295	10	an	an	DET
ijtc-1132	295	11	assessment	assessment	NOUN
ijtc-1132	295	12	on	on	ADP
ijtc-1132	295	13	health	health	NOUN
ijtc-1132	295	14	information	information	NOUN
ijtc-1132	295	15	system	system	NOUN
ijtc-1132	295	16	.	.	PUNCT
ijtc-1132	296	1	health	health	NOUN
ijtc-1132	296	2	policy	policy	NOUN
ijtc-1132	296	3	and	and	CCONJ
ijtc-1132	296	4	technology	technology	NOUN
ijtc-1132	296	5	,	,	PUNCT
ijtc-1132	296	6	7(3	7(3	NUM
ijtc-1132	296	7	)	)	PUNCT
ijtc-1132	296	8	,	,	PUNCT
ijtc-1132	296	9	265–274	265–274	NUM
ijtc-1132	296	10	.	.	PUNCT
ijtc-1132	297	1	https://doi.org/10.1016/j.hlpt.2018.06.001	https://doi.org/10.1016/j.hlpt.2018.06.001	ADJ
ijtc-1132	297	2	setiawan	setiawan	NOUN
ijtc-1132	297	3	,	,	PUNCT
ijtc-1132	297	4	w.	w.	PROPN
ijtc-1132	297	5	,	,	PUNCT
ijtc-1132	297	6	sunaryo	sunaryo	PROPN
ijtc-1132	297	7	,	,	PUNCT
ijtc-1132	297	8	d.	d.	PROPN
ijtc-1132	297	9	,	,	PUNCT
ijtc-1132	297	10	&	&	CCONJ
ijtc-1132	297	11	ar	ar	PROPN
ijtc-1132	297	12	,	,	PUNCT
ijtc-1132	297	13	k.	k.	PROPN
ijtc-1132	297	14	(	(	PUNCT
ijtc-1132	297	15	2022	2022	NUM
ijtc-1132	297	16	)	)	PUNCT
ijtc-1132	297	17	.	.	PUNCT
ijtc-1132	298	1	analisis	analisis	ADJ
ijtc-1132	298	2	fitur	fitur	PROPN
ijtc-1132	298	3	layanan	layanan	PROPN
ijtc-1132	298	4	dan	dan	PROPN
ijtc-1132	298	5	keamanan	keamanan	PROPN
ijtc-1132	298	6	terhadap	terhadap	PROPN
ijtc-1132	298	7	penggunaan	penggunaan	PROPN
ijtc-1132	298	8	dompet	dompet	PROPN
ijtc-1132	298	9	digital	digital	PROPN
ijtc-1132	298	10	(	(	PUNCT
ijtc-1132	298	11	shopee	shopee	NOUN
ijtc-1132	298	12	pay	pay	NOUN
ijtc-1132	298	13	)	)	PUNCT
ijtc-1132	298	14	.	.	PUNCT
ijtc-1132	299	1	digital	digital	ADJ
ijtc-1132	299	2	business	business	PROPN
ijtc-1132	299	3	journal	journal	NOUN
ijtc-1132	299	4	,	,	PUNCT
ijtc-1132	299	5	1(1	1(1	NUM
ijtc-1132	299	6	)	)	PUNCT
ijtc-1132	299	7	,	,	PUNCT
ijtc-1132	299	8	52	52	NUM
ijtc-1132	299	9	.	.	PUNCT
ijtc-1132	300	1	https://doi.org/10.31000/digibis.v1i1.6602	https://doi.org/10.31000/digibis.v1i1.6602	PROPN
ijtc-1132	300	2	sha	sha	PROPN
ijtc-1132	300	3	,	,	PUNCT
ijtc-1132	300	4	z.	z.	PROPN
ijtc-1132	300	5	,	,	PUNCT
ijtc-1132	300	6	xie	xie	PROPN
ijtc-1132	300	7	,	,	PUNCT
ijtc-1132	300	8	y.	y.	PROPN
ijtc-1132	300	9	,	,	PUNCT
ijtc-1132	300	10	tan	tan	PROPN
ijtc-1132	300	11	,	,	PUNCT
ijtc-1132	300	12	x.	x.	PROPN
ijtc-1132	300	13	,	,	PUNCT
ijtc-1132	300	14	bai	bai	PROPN
ijtc-1132	300	15	,	,	PUNCT
ijtc-1132	300	16	y.	y.	PROPN
ijtc-1132	300	17	,	,	PUNCT
ijtc-1132	300	18	li	li	PROPN
ijtc-1132	300	19	,	,	PUNCT
ijtc-1132	300	20	j.	j.	PROPN
ijtc-1132	300	21	,	,	PUNCT
ijtc-1132	300	22	&	&	CCONJ
ijtc-1132	300	23	liu	liu	PROPN
ijtc-1132	300	24	,	,	PUNCT
ijtc-1132	300	25	x.	x.	NOUN
ijtc-1132	300	26	(	(	PUNCT
ijtc-1132	300	27	2017	2017	NUM
ijtc-1132	300	28	)	)	PUNCT
ijtc-1132	300	29	.	.	PUNCT
ijtc-1132	301	1	assessing	assess	VERB
ijtc-1132	301	2	the	the	DET
ijtc-1132	301	3	impacts	impact	NOUN
ijtc-1132	301	4	of	of	ADP
ijtc-1132	301	5	human	human	ADJ
ijtc-1132	301	6	activities	activity	NOUN
ijtc-1132	301	7	and	and	CCONJ
ijtc-1132	301	8	climate	climate	NOUN
ijtc-1132	301	9	variations	variation	NOUN
ijtc-1132	301	10	on	on	ADP
ijtc-1132	301	11	grassland	grassland	NOUN
ijtc-1132	301	12	productivity	productivity	NOUN
ijtc-1132	301	13	by	by	ADP
ijtc-1132	301	14	partial	partial	ADJ
ijtc-1132	301	15	least	least	ADJ
ijtc-1132	301	16	squares	square	NOUN
ijtc-1132	301	17	structural	structural	ADJ
ijtc-1132	301	18	equation	equation	NOUN
ijtc-1132	301	19	modeling	modeling	NOUN
ijtc-1132	301	20	(	(	PUNCT
ijtc-1132	301	21	pls	pls	INTJ
ijtc-1132	301	22	-	-	PUNCT
ijtc-1132	301	23	sem	sem	NOUN
ijtc-1132	301	24	)	)	PUNCT
ijtc-1132	301	25	.	.	PUNCT
ijtc-1132	302	1	journal	journal	PROPN
ijtc-1132	302	2	of	of	ADP
ijtc-1132	302	3	arid	arid	PROPN
ijtc-1132	302	4	land	land	NOUN
ijtc-1132	302	5	,	,	PUNCT
ijtc-1132	302	6	9(4	9(4	NUM
ijtc-1132	302	7	)	)	PUNCT
ijtc-1132	302	8	,	,	PUNCT
ijtc-1132	303	1	473–488	473–488	NUM
ijtc-1132	303	2	.	.	PUNCT
ijtc-1132	304	1	https://doi.org/10.1007/s40333017-0022-6	https://doi.org/10.1007/s40333017-0022-6	PROPN
ijtc-1132	304	2	sharma	sharma	PROPN
ijtc-1132	304	3	,	,	PUNCT
ijtc-1132	304	4	s.	s.	PROPN
ijtc-1132	304	5	k.	k.	PROPN
ijtc-1132	304	6	,	,	PUNCT
ijtc-1132	304	7	mangla	mangla	PROPN
ijtc-1132	304	8	,	,	PUNCT
ijtc-1132	304	9	s.	s.	PROPN
ijtc-1132	304	10	k.	k.	PROPN
ijtc-1132	304	11	,	,	PUNCT
ijtc-1132	304	12	luthra	luthra	PROPN
ijtc-1132	304	13	,	,	PUNCT
ijtc-1132	304	14	s.	s.	PROPN
ijtc-1132	304	15	,	,	PUNCT
ijtc-1132	304	16	&	&	CCONJ
ijtc-1132	304	17	al	al	PROPN
ijtc-1132	304	18	-	-	PUNCT
ijtc-1132	304	19	salti	salti	PROPN
ijtc-1132	304	20	,	,	PUNCT
ijtc-1132	304	21	z.	z.	PROPN
ijtc-1132	304	22	(	(	PUNCT
ijtc-1132	304	23	2018	2018	NUM
ijtc-1132	304	24	)	)	PUNCT
ijtc-1132	304	25	.	.	PUNCT
ijtc-1132	305	1	mobile	mobile	ADJ
ijtc-1132	305	2	wallet	wallet	NOUN
ijtc-1132	305	3	inhibitors	inhibitor	NOUN
ijtc-1132	305	4	:	:	PUNCT
ijtc-1132	305	5	developing	develop	VERB
ijtc-1132	305	6	a	a	DET
ijtc-1132	305	7	comprehensive	comprehensive	ADJ
ijtc-1132	305	8	theory	theory	NOUN
ijtc-1132	305	9	using	use	VERB
ijtc-1132	305	10	an	an	DET
ijtc-1132	305	11	integrated	integrated	ADJ
ijtc-1132	305	12	model	model	NOUN
ijtc-1132	305	13	.	.	PUNCT
ijtc-1132	306	1	journal	journal	PROPN
ijtc-1132	306	2	of	of	ADP
ijtc-1132	306	3	retailing	retailing	NOUN
ijtc-1132	306	4	and	and	CCONJ
ijtc-1132	306	5	consumer	consumer	NOUN
ijtc-1132	306	6	services	service	NOUN
ijtc-1132	306	7	,	,	PUNCT
ijtc-1132	306	8	45	45	NUM
ijtc-1132	306	9	,	,	PUNCT
ijtc-1132	306	10	52–63	52–63	NUM
ijtc-1132	306	11	.	.	PUNCT
ijtc-1132	306	12	https://doi.org/10.1016/j.jretconser.2018.08.008	https://doi.org/10.1016/j.jretconser.2018.08.008	NOUN
ijtc-1132	306	13	sneha	sneha	PROPN
ijtc-1132	306	14	,	,	PUNCT
ijtc-1132	306	15	k.	k.	PROPN
ijtc-1132	306	16	,	,	PUNCT
ijtc-1132	306	17	rachita	rachita	PROPN
ijtc-1132	306	18	,	,	PUNCT
ijtc-1132	306	19	r.	r.	PROPN
ijtc-1132	306	20	,	,	PUNCT
ijtc-1132	306	21	&	&	CCONJ
ijtc-1132	306	22	vineet	vineet	PROPN
ijtc-1132	306	23	,	,	PUNCT
ijtc-1132	306	24	k.	k.	PROPN
ijtc-1132	306	25	(	(	PUNCT
ijtc-1132	306	26	2020	2020	NUM
ijtc-1132	306	27	)	)	PUNCT
ijtc-1132	306	28	.	.	PUNCT
ijtc-1132	307	1	mobile	mobile	ADJ
ijtc-1132	307	2	wallet	wallet	NOUN
ijtc-1132	307	3	market	market	NOUN
ijtc-1132	307	4	.	.	PUNCT
ijtc-1132	308	1	applied	apply	VERB
ijtc-1132	308	2	market	market	NOUN
ijtc-1132	308	3	research	research	NOUN
ijtc-1132	308	4	.	.	PUNCT
ijtc-1132	309	1	sudarso	sudarso	NOUN
ijtc-1132	309	2	,	,	PUNCT
ijtc-1132	309	3	a.	a.	NOUN
ijtc-1132	309	4	,	,	PUNCT
ijtc-1132	309	5	nainggolan	nainggolan	PROPN
ijtc-1132	309	6	,	,	PUNCT
ijtc-1132	309	7	n.	n.	PROPN
ijtc-1132	309	8	t.	t.	PROPN
ijtc-1132	309	9	,	,	PUNCT
ijtc-1132	309	10	munandar	munandar	NOUN
ijtc-1132	309	11	,	,	PUNCT
ijtc-1132	309	12	m.	m.	NOUN
ijtc-1132	309	13	,	,	PUNCT
ijtc-1132	309	14	nainggolan	nainggolan	PROPN
ijtc-1132	309	15	,	,	PUNCT
ijtc-1132	309	16	l.	l.	PROPN
ijtc-1132	309	17	e.	e.	PROPN
ijtc-1132	309	18	,	,	PUNCT
ijtc-1132	309	19	fuadi	fuadi	PROPN
ijtc-1132	309	20	,	,	PUNCT
ijtc-1132	309	21	f.	f.	PROPN
ijtc-1132	309	22	,	,	PUNCT
ijtc-1132	309	23	hastuti	hastuti	PROPN
ijtc-1132	309	24	,	,	PUNCT
ijtc-1132	309	25	p.	p.	NOUN
ijtc-1132	309	26	,	,	PUNCT
ijtc-1132	309	27	gandasari	gandasari	PROPN
ijtc-1132	309	28	,	,	PUNCT
ijtc-1132	309	29	d.	d.	PROPN
ijtc-1132	309	30	,	,	PUNCT
ijtc-1132	309	31	mistriani	mistriani	PROPN
ijtc-1132	309	32	,	,	PUNCT
ijtc-1132	309	33	n.	n.	NOUN
ijtc-1132	309	34	,	,	PUNCT
ijtc-1132	309	35	rumondang	rumondang	PROPN
ijtc-1132	309	36	,	,	PUNCT
ijtc-1132	309	37	a.	a.	NOUN
ijtc-1132	309	38	,	,	PUNCT
ijtc-1132	309	39	&	&	CCONJ
ijtc-1132	309	40	kusuma	kusuma	PROPN
ijtc-1132	309	41	,	,	PUNCT
ijtc-1132	309	42	a.	a.	PROPN
ijtc-1132	309	43	h.	h.	PROPN
ijtc-1132	309	44	p.	p.	PROPN
ijtc-1132	309	45	(	(	PUNCT
ijtc-1132	309	46	2020	2020	NUM
ijtc-1132	309	47	)	)	PUNCT
ijtc-1132	309	48	.	.	PUNCT
ijtc-1132	310	1	perilaku	perilaku	PROPN
ijtc-1132	310	2	konsumen	konsumen	PROPN
ijtc-1132	310	3	di	di	PROPN
ijtc-1132	310	4	era	era	PROPN
ijtc-1132	310	5	digital	digital	PROPN
ijtc-1132	310	6	.	.	PUNCT
ijtc-1132	311	1	sudarsono	sudarsono	PROPN
ijtc-1132	311	2	,	,	PUNCT
ijtc-1132	311	3	h.	h.	PROPN
ijtc-1132	311	4	,	,	PUNCT
ijtc-1132	311	5	kholid	kholid	PROPN
ijtc-1132	311	6	,	,	PUNCT
ijtc-1132	311	7	m.	m.	NOUN
ijtc-1132	311	8	n.	n.	PROPN
ijtc-1132	311	9	,	,	PUNCT
ijtc-1132	311	10	trisanty	trisanty	PROPN
ijtc-1132	311	11	,	,	PUNCT
ijtc-1132	311	12	a.	a.	NOUN
ijtc-1132	311	13	,	,	PUNCT
ijtc-1132	311	14	&	&	CCONJ
ijtc-1132	311	15	maisaroh	maisaroh	PROPN
ijtc-1132	311	16	,	,	PUNCT
ijtc-1132	311	17	m.	m.	NOUN
ijtc-1132	311	18	(	(	PUNCT
ijtc-1132	311	19	2022	2022	NUM
ijtc-1132	311	20	)	)	PUNCT
ijtc-1132	311	21	.	.	PUNCT
ijtc-1132	312	1	the	the	DET
ijtc-1132	312	2	intention	intention	NOUN
ijtc-1132	312	3	of	of	ADP
ijtc-1132	312	4	muslim	muslim	ADJ
ijtc-1132	312	5	customers	customer	NOUN
ijtc-1132	312	6	to	to	PART
ijtc-1132	312	7	adopt	adopt	VERB
ijtc-1132	312	8	mobile	mobile	ADJ
ijtc-1132	312	9	banking	banking	NOUN
ijtc-1132	312	10	:	:	PUNCT
ijtc-1132	312	11	the	the	DET
ijtc-1132	312	12	case	case	NOUN
ijtc-1132	312	13	of	of	ADP
ijtc-1132	312	14	islamic	islamic	ADJ
ijtc-1132	312	15	banks	bank	NOUN
ijtc-1132	312	16	in	in	ADP
ijtc-1132	312	17	indonesia	indonesia	PROPN
ijtc-1132	312	18	.	.	PUNCT
ijtc-1132	313	1	cogent	cogent	PROPN
ijtc-1132	313	2	business	business	PROPN
ijtc-1132	313	3	&	&	CCONJ
ijtc-1132	313	4	management	management	PROPN
ijtc-1132	313	5	,	,	PUNCT
ijtc-1132	313	6	9(1	9(1	NUM
ijtc-1132	313	7	)	)	PUNCT
ijtc-1132	313	8	,	,	PUNCT
ijtc-1132	313	9	2154102	2154102	NUM
ijtc-1132	313	10	.	.	PUNCT
ijtc-1132	314	1	sukma	sukma	NOUN
ijtc-1132	314	2	,	,	PUNCT
ijtc-1132	314	3	a.	a.	NOUN
ijtc-1132	314	4	a.	a.	PROPN
ijtc-1132	314	5	,	,	PUNCT
ijtc-1132	314	6	hudaya	hudaya	PROPN
ijtc-1132	314	7	,	,	PUNCT
ijtc-1132	314	8	r.	r.	PROPN
ijtc-1132	314	9	,	,	PUNCT
ijtc-1132	314	10	&	&	CCONJ
ijtc-1132	314	11	hanani	hanani	NOUN
ijtc-1132	314	12	,	,	PUNCT
ijtc-1132	314	13	t.	t.	PROPN
ijtc-1132	314	14	(	(	PUNCT
ijtc-1132	314	15	2024	2024	NUM
ijtc-1132	314	16	)	)	PUNCT
ijtc-1132	314	17	.	.	PUNCT
ijtc-1132	315	1	exploring	explore	VERB
ijtc-1132	315	2	the	the	DET
ijtc-1132	315	3	effect	effect	NOUN
ijtc-1132	315	4	of	of	ADP
ijtc-1132	315	5	state	state	NOUN
ijtc-1132	315	6	-	-	PUNCT
ijtc-1132	315	7	owned	own	VERB
ijtc-1132	315	8	enterprise	enterprise	NOUN
ijtc-1132	315	9	corporate	corporate	ADJ
ijtc-1132	315	10	social	social	ADJ
ijtc-1132	315	11	responsibility	responsibility	NOUN
ijtc-1132	315	12	on	on	ADP
ijtc-1132	315	13	small	small	ADJ
ijtc-1132	315	14	medium	medium	ADJ
ijtc-1132	315	15	enterprise	enterprise	NOUN
ijtc-1132	315	16	digitalization	digitalization	NOUN
ijtc-1132	315	17	in	in	ADP
ijtc-1132	315	18	indonesia	indonesia	PROPN
ijtc-1132	315	19	.	.	PUNCT
ijtc-1132	316	1	asian	asian	PROPN
ijtc-1132	316	2	journal	journal	PROPN
ijtc-1132	316	3	of	of	ADP
ijtc-1132	316	4	management	management	NOUN
ijtc-1132	316	5	,	,	PUNCT
ijtc-1132	316	6	entrepreneurship	entrepreneurship	NOUN
ijtc-1132	316	7	and	and	CCONJ
ijtc-1132	316	8	social	social	ADJ
ijtc-1132	316	9	science	science	NOUN
ijtc-1132	316	10	,	,	PUNCT
ijtc-1132	316	11	4(01	4(01	NUM
ijtc-1132	316	12	)	)	PUNCT
ijtc-1132	316	13	,	,	PUNCT
ijtc-1132	316	14	594–608	594–608	NUM
ijtc-1132	316	15	.	.	PUNCT
ijtc-1132	317	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1132	317	2	the	the	DET
ijtc-1132	317	3	determinants	determinant	NOUN
ijtc-1132	317	4	of	of	ADP
ijtc-1132	317	5	mobile	mobile	ADJ
ijtc-1132	317	6	e	e	NOUN
ijtc-1132	317	7	-	-	NOUN
ijtc-1132	317	8	wallet	wallet	NOUN
ijtc-1132	317	9	adoption	adoption	NOUN
ijtc-1132	317	10	across	across	ADP
ijtc-1132	317	11	generation	generation	NOUN
ijtc-1132	317	12	,	,	PUNCT
ijtc-1132	317	13	a	a	DET
ijtc-1132	317	14	lesson	lesson	NOUN
ijtc-1132	317	15	learned	learn	VERB
ijtc-1132	317	16	from	from	ADP
ijtc-1132	317	17	indonesia	indonesia	PROPN
ijtc-1132	317	18	arini	arini	PROPN
ijtc-1132	317	19	,	,	PUNCT
ijtc-1132	317	20	lestari	lestari	NOUN
ijtc-1132	317	21	and	and	CCONJ
ijtc-1132	317	22	hanani	hanani	NOUN
ijtc-1132	317	23	502	502	NUM
ijtc-1132	317	24	|	|	ADV
ijtc-1132	317	25	ilomata	ilomata	PROPN
ijtc-1132	317	26	international	international	ADJ
ijtc-1132	317	27	journal	journal	NOUN
ijtc-1132	317	28	of	of	ADP
ijtc-1132	317	29	tax	tax	PROPN
ijtc-1132	317	30	&	&	CCONJ
ijtc-1132	317	31	accounting	account	VERB
ijtc-1132	317	32	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1132	317	33	sulaiman	sulaiman	PROPN
ijtc-1132	317	34	,	,	PUNCT
ijtc-1132	317	35	s.	s.	PROPN
ijtc-1132	317	36	,	,	PUNCT
ijtc-1132	317	37	tukiyat	tukiyat	PROPN
ijtc-1132	317	38	,	,	PUNCT
ijtc-1132	317	39	t.	t.	PROPN
ijtc-1132	317	40	,	,	PUNCT
ijtc-1132	317	41	&	&	CCONJ
ijtc-1132	317	42	hindasyah	hindasyah	PROPN
ijtc-1132	317	43	,	,	PUNCT
ijtc-1132	317	44	a.	a.	NOUN
ijtc-1132	317	45	(	(	PUNCT
ijtc-1132	317	46	2023	2023	NUM
ijtc-1132	317	47	)	)	PUNCT
ijtc-1132	317	48	.	.	PUNCT
ijtc-1132	318	1	analisis	analisis	PROPN
ijtc-1132	318	2	sistem	sistem	PROPN
ijtc-1132	318	3	aplikasi	aplikasi	PROPN
ijtc-1132	318	4	computer	computer	PROPN
ijtc-1132	318	5	base	base	PROPN
ijtc-1132	318	6	test	test	NOUN
ijtc-1132	318	7	sebagai	sebagai	PROPN
ijtc-1132	318	8	sarana	sarana	PROPN
ijtc-1132	318	9	ulangan	ulangan	PROPN
ijtc-1132	318	10	menggunakan	menggunakan	PROPN
ijtc-1132	318	11	metode	metode	PROPN
ijtc-1132	318	12	delone	delone	PROPN
ijtc-1132	318	13	and	and	CCONJ
ijtc-1132	318	14	mclean	mclean	PROPN
ijtc-1132	318	15	.	.	PUNCT
ijtc-1132	319	1	jurnal	jurnal	ADJ
ijtc-1132	319	2	impresi	impresi	PROPN
ijtc-1132	319	3	indonesia	indonesia	PROPN
ijtc-1132	319	4	,	,	PUNCT
ijtc-1132	319	5	2(1	2(1	NUM
ijtc-1132	319	6	)	)	PUNCT
ijtc-1132	319	7	,	,	PUNCT
ijtc-1132	319	8	58–70	58–70	NUM
ijtc-1132	319	9	.	.	PUNCT
ijtc-1132	320	1	https://doi.org/10.58344/jii.v2i1.2010	https://doi.org/10.58344/jii.v2i1.2010	PROPN
ijtc-1132	320	2	sun	sun	PROPN
ijtc-1132	320	3	,	,	PUNCT
ijtc-1132	320	4	y.	y.	PROPN
ijtc-1132	320	5	,	,	PUNCT
ijtc-1132	320	6	&	&	CCONJ
ijtc-1132	320	7	havidz	havidz	PROPN
ijtc-1132	320	8	,	,	PUNCT
ijtc-1132	320	9	s.	s.	PROPN
ijtc-1132	320	10	a.	a.	PROPN
ijtc-1132	320	11	h.	h.	PROPN
ijtc-1132	320	12	(	(	PUNCT
ijtc-1132	320	13	2019	2019	NUM
ijtc-1132	320	14	)	)	PUNCT
ijtc-1132	320	15	.	.	PUNCT
ijtc-1132	321	1	factors	factor	NOUN
ijtc-1132	321	2	impacting	impact	VERB
ijtc-1132	321	3	the	the	DET
ijtc-1132	321	4	intention	intention	NOUN
ijtc-1132	321	5	to	to	PART
ijtc-1132	321	6	use	use	VERB
ijtc-1132	321	7	m	m	NOUN
ijtc-1132	321	8	-	-	NOUN
ijtc-1132	321	9	payment	payment	NOUN
ijtc-1132	321	10	.	.	PUNCT
ijtc-1132	322	1	2019	2019	NUM
ijtc-1132	322	2	international	international	ADJ
ijtc-1132	322	3	conference	conference	NOUN
ijtc-1132	322	4	on	on	ADP
ijtc-1132	322	5	information	information	NOUN
ijtc-1132	322	6	management	management	NOUN
ijtc-1132	322	7	and	and	CCONJ
ijtc-1132	322	8	technology	technology	NOUN
ijtc-1132	322	9	(	(	PUNCT
ijtc-1132	322	10	icimtech	icimtech	PROPN
ijtc-1132	322	11	)	)	PUNCT
ijtc-1132	322	12	,	,	PUNCT
ijtc-1132	322	13	290–294	290–294	NUM
ijtc-1132	322	14	.	.	PUNCT
ijtc-1132	323	1	https://doi.org/10.1109/icimtech.2019.8843758	https://doi.org/10.1109/icimtech.2019.8843758	PROPN
ijtc-1132	323	2	tam	tam	PROPN
ijtc-1132	323	3	,	,	PUNCT
ijtc-1132	323	4	c.	c.	PROPN
ijtc-1132	323	5	,	,	PUNCT
ijtc-1132	323	6	santos	santos	PROPN
ijtc-1132	323	7	,	,	PUNCT
ijtc-1132	323	8	d.	d.	PROPN
ijtc-1132	323	9	,	,	PUNCT
ijtc-1132	323	10	&	&	CCONJ
ijtc-1132	323	11	oliveira	oliveira	PROPN
ijtc-1132	323	12	,	,	PUNCT
ijtc-1132	323	13	t.	t.	PROPN
ijtc-1132	323	14	(	(	PUNCT
ijtc-1132	323	15	2020	2020	NUM
ijtc-1132	323	16	)	)	PUNCT
ijtc-1132	323	17	.	.	PUNCT
ijtc-1132	324	1	exploring	explore	VERB
ijtc-1132	324	2	the	the	DET
ijtc-1132	324	3	influential	influential	ADJ
ijtc-1132	324	4	factors	factor	NOUN
ijtc-1132	324	5	of	of	ADP
ijtc-1132	324	6	continuance	continuance	NOUN
ijtc-1132	324	7	intention	intention	NOUN
ijtc-1132	324	8	to	to	PART
ijtc-1132	324	9	use	use	VERB
ijtc-1132	324	10	mobile	mobile	ADJ
ijtc-1132	324	11	apps	app	NOUN
ijtc-1132	324	12	:	:	PUNCT
ijtc-1132	324	13	extending	extend	VERB
ijtc-1132	324	14	the	the	DET
ijtc-1132	324	15	expectation	expectation	NOUN
ijtc-1132	324	16	confirmation	confirmation	NOUN
ijtc-1132	324	17	model	model	NOUN
ijtc-1132	324	18	.	.	PUNCT
ijtc-1132	325	1	information	information	NOUN
ijtc-1132	325	2	systems	system	NOUN
ijtc-1132	325	3	frontiers	frontier	NOUN
ijtc-1132	325	4	,	,	PUNCT
ijtc-1132	325	5	22	22	NUM
ijtc-1132	325	6	,	,	PUNCT
ijtc-1132	325	7	243–257	243–257	NUM
ijtc-1132	325	8	.	.	PUNCT
ijtc-1132	326	1	trivedi	trivedi	PROPN
ijtc-1132	326	2	,	,	PUNCT
ijtc-1132	326	3	j.	j.	PROPN
ijtc-1132	326	4	(	(	PUNCT
ijtc-1132	326	5	2016	2016	NUM
ijtc-1132	326	6	)	)	PUNCT
ijtc-1132	326	7	.	.	PUNCT
ijtc-1132	327	1	factors	factor	NOUN
ijtc-1132	327	2	determining	determine	VERB
ijtc-1132	327	3	the	the	DET
ijtc-1132	327	4	acceptance	acceptance	NOUN
ijtc-1132	327	5	of	of	ADP
ijtc-1132	327	6	e	e	NOUN
ijtc-1132	327	7	wallets	wallet	NOUN
ijtc-1132	327	8	.	.	PUNCT
ijtc-1132	328	1	international	international	ADJ
ijtc-1132	328	2	journal	journal	NOUN
ijtc-1132	328	3	of	of	ADP
ijtc-1132	328	4	applied	apply	VERB
ijtc-1132	328	5	marketing	marketing	NOUN
ijtc-1132	328	6	and	and	CCONJ
ijtc-1132	328	7	management	management	NOUN
ijtc-1132	328	8	,	,	PUNCT
ijtc-1132	328	9	1(2	1(2	NUM
ijtc-1132	328	10	)	)	PUNCT
ijtc-1132	328	11	,	,	PUNCT
ijtc-1132	328	12	42–53	42–53	PROPN
ijtc-1132	328	13	.	.	PUNCT
ijtc-1132	328	14	umaiyah	umaiyah	PROPN
ijtc-1132	328	15	,	,	PUNCT
ijtc-1132	328	16	s.	s.	PROPN
ijtc-1132	328	17	(	(	PUNCT
ijtc-1132	328	18	2022	2022	NUM
ijtc-1132	328	19	)	)	PUNCT
ijtc-1132	328	20	.	.	PUNCT
ijtc-1132	329	1	dalam	dalam	PROPN
ijtc-1132	329	2	pusaran	pusaran	VERB
ijtc-1132	329	3	dompet	dompet	PROPN
ijtc-1132	329	4	digital	digital	PROPN
ijtc-1132	329	5	:	:	PUNCT
ijtc-1132	329	6	praktik	praktik	PROPN
ijtc-1132	329	7	konsumsi	konsumsi	PROPN
ijtc-1132	329	8	dompet	dompet	PROPN
ijtc-1132	329	9	digital	digital	PROPN
ijtc-1132	329	10	di	di	PROPN
ijtc-1132	329	11	kalangan	kalangan	PROPN
ijtc-1132	329	12	kaum	kaum	PROPN
ijtc-1132	329	13	muda	muda	NOUN
ijtc-1132	329	14	kontemporer	kontemporer	PROPN
ijtc-1132	329	15	.	.	PUNCT
ijtc-1132	330	1	satwika	satwika	PROPN
ijtc-1132	330	2	 	 	SPACE
ijtc-1132	330	3	:	:	PUNCT
ijtc-1132	330	4	kajian	kajian	PROPN
ijtc-1132	330	5	ilmu	ilmu	PROPN
ijtc-1132	330	6	budaya	budaya	VERB
ijtc-1132	330	7	dan	dan	PROPN
ijtc-1132	330	8	perubahan	perubahan	PROPN
ijtc-1132	330	9	sosial	sosial	PROPN
ijtc-1132	330	10	,	,	PUNCT
ijtc-1132	330	11	6(2	6(2	NUM
ijtc-1132	330	12	)	)	PUNCT
ijtc-1132	330	13	,	,	PUNCT
ijtc-1132	330	14	281–298	281–298	NUM
ijtc-1132	330	15	.	.	PUNCT
ijtc-1132	331	1	https://doi.org/10.22219/satwika.v6i2.21780	https://doi.org/10.22219/satwika.v6i2.21780	PROPN
ijtc-1132	331	2	wiratno	wiratno	NOUN
ijtc-1132	331	3	,	,	PUNCT
ijtc-1132	331	4	w.	w.	PROPN
ijtc-1132	331	5	(	(	PUNCT
ijtc-1132	331	6	2020	2020	NUM
ijtc-1132	331	7	)	)	PUNCT
ijtc-1132	331	8	.	.	PUNCT
ijtc-1132	332	1	analisis	analisis	ADJ
ijtc-1132	332	2	adopsi	adopsi	PROPN
ijtc-1132	332	3	aplikasi	aplikasi	PROPN
ijtc-1132	332	4	uang	uang	PROPN
ijtc-1132	332	5	elektronik	elektronik	PROPN
ijtc-1132	332	6	melalui	melalui	PROPN
ijtc-1132	332	7	pendekatan	pendekatan	PROPN
ijtc-1132	332	8	teori	teori	PROPN
ijtc-1132	332	9	difusi	difusi	VERB
ijtc-1132	332	10	inovasi	inovasi	PROPN
ijtc-1132	332	11	(	(	PUNCT
ijtc-1132	332	12	studi	studi	PROPN
ijtc-1132	332	13	terhadap	terhadap	PROPN
ijtc-1132	332	14	pengguna	pengguna	PROPN
ijtc-1132	332	15	aplikasi	aplikasi	PROPN
ijtc-1132	332	16	uang	uang	PROPN
ijtc-1132	332	17	elektronik	elektronik	PROPN
ijtc-1132	332	18	dana	dana	PROPN
ijtc-1132	332	19	di	di	PROPN
ijtc-1132	332	20	kota	kota	PROPN
ijtc-1132	332	21	malang	malang	PROPN
ijtc-1132	332	22	)	)	PUNCT
ijtc-1132	332	23	.	.	PUNCT
ijtc-1132	333	1	jurnal	jurnal	ADJ
ijtc-1132	333	2	ilmiah	ilmiah	PROPN
ijtc-1132	333	3	mahasiswa	mahasiswa	PROPN
ijtc-1132	333	4	feb	feb	PROPN
ijtc-1132	333	5	.	.	PROPN
ijtc-1132	333	6	wong	wong	PROPN
ijtc-1132	333	7	,	,	PUNCT
ijtc-1132	333	8	w.	w.	PROPN
ijtc-1132	333	9	h.	h.	PROPN
ijtc-1132	333	10	,	,	PUNCT
ijtc-1132	333	11	&	&	CCONJ
ijtc-1132	333	12	mo	mo	PROPN
ijtc-1132	333	13	,	,	PUNCT
ijtc-1132	333	14	w.	w.	PROPN
ijtc-1132	333	15	y.	y.	PROPN
ijtc-1132	333	16	(	(	PUNCT
ijtc-1132	333	17	2019	2019	NUM
ijtc-1132	333	18	)	)	PUNCT
ijtc-1132	333	19	.	.	PUNCT
ijtc-1132	334	1	a	a	DET
ijtc-1132	334	2	study	study	NOUN
ijtc-1132	334	3	of	of	ADP
ijtc-1132	334	4	consumer	consumer	NOUN
ijtc-1132	334	5	intention	intention	NOUN
ijtc-1132	334	6	of	of	ADP
ijtc-1132	334	7	mobile	mobile	ADJ
ijtc-1132	334	8	payment	payment	NOUN
ijtc-1132	334	9	in	in	ADP
ijtc-1132	334	10	hong	hong	PROPN
ijtc-1132	334	11	kong	kong	PROPN
ijtc-1132	334	12	,	,	PUNCT
ijtc-1132	334	13	based	base	VERB
ijtc-1132	334	14	on	on	ADP
ijtc-1132	334	15	perceived	perceive	VERB
ijtc-1132	334	16	risk	risk	NOUN
ijtc-1132	334	17	,	,	PUNCT
ijtc-1132	334	18	perceived	perceive	VERB
ijtc-1132	334	19	trust	trust	NOUN
ijtc-1132	334	20	,	,	PUNCT
ijtc-1132	334	21	perceived	perceive	VERB
ijtc-1132	334	22	security	security	NOUN
ijtc-1132	334	23	and	and	CCONJ
ijtc-1132	334	24	technological	technological	ADJ
ijtc-1132	334	25	acceptance	acceptance	NOUN
ijtc-1132	334	26	model	model	NOUN
ijtc-1132	334	27	.	.	PUNCT
ijtc-1132	335	1	journal	journal	PROPN
ijtc-1132	335	2	of	of	ADP
ijtc-1132	335	3	advanced	advanced	ADJ
ijtc-1132	335	4	management	management	NOUN
ijtc-1132	335	5	science	science	NOUN
ijtc-1132	335	6	vol	vol	NOUN
ijtc-1132	335	7	,	,	PUNCT
ijtc-1132	335	8	7(2	7(2	NUM
ijtc-1132	335	9	)	)	PUNCT
ijtc-1132	335	10	,	,	PUNCT
ijtc-1132	335	11	33–38	33–38	NUM
ijtc-1132	335	12	.	.	PUNCT
ijtc-1132	335	13	wu	wu	PROPN
ijtc-1132	335	14	,	,	PUNCT
ijtc-1132	335	15	l.-h	l.-h	PROPN
ijtc-1132	335	16	.	.	PUNCT
ijtc-1132	335	17	,	,	PUNCT
ijtc-1132	335	18	wu	wu	PROPN
ijtc-1132	335	19	,	,	PUNCT
ijtc-1132	335	20	l.-c	l.-c	PROPN
ijtc-1132	335	21	.	.	PUNCT
ijtc-1132	335	22	,	,	PUNCT
ijtc-1132	335	23	&	&	CCONJ
ijtc-1132	335	24	chang	chang	PROPN
ijtc-1132	335	25	,	,	PUNCT
ijtc-1132	335	26	s.-c	s.-c	PROPN
ijtc-1132	335	27	.	.	PUNCT
ijtc-1132	336	1	(	(	PUNCT
ijtc-1132	336	2	2016	2016	NUM
ijtc-1132	336	3	)	)	PUNCT
ijtc-1132	336	4	.	.	PUNCT
ijtc-1132	337	1	exploring	explore	VERB
ijtc-1132	337	2	consumers	consumer	NOUN
ijtc-1132	337	3	’	'	PUNCT
ijtc-1132	337	4	intention	intention	NOUN
ijtc-1132	337	5	to	to	PART
ijtc-1132	337	6	accept	accept	VERB
ijtc-1132	337	7	smartwatch	smartwatch	NOUN
ijtc-1132	337	8	.	.	PUNCT
ijtc-1132	338	1	computers	computer	NOUN
ijtc-1132	338	2	in	in	ADP
ijtc-1132	338	3	human	human	ADJ
ijtc-1132	338	4	behavior	behavior	NOUN
ijtc-1132	338	5	,	,	PUNCT
ijtc-1132	338	6	64	64	NUM
ijtc-1132	338	7	,	,	PUNCT
ijtc-1132	338	8	383–392	383–392	NUM
ijtc-1132	338	9	.	.	PUNCT
ijtc-1132	338	10	https://doi.org/10.1016/j.chb.2016.07.005	https://doi.org/10.1016/j.chb.2016.07.005	PROPN
ijtc-1132	338	11	zamani	zamani	PROPN
ijtc-1132	338	12	,	,	PUNCT
ijtc-1132	338	13	e.	e.	PROPN
ijtc-1132	338	14	d.	d.	PROPN
ijtc-1132	338	15	,	,	PUNCT
ijtc-1132	338	16	&	&	CCONJ
ijtc-1132	338	17	giaglis	giaglis	PROPN
ijtc-1132	338	18	,	,	PUNCT
ijtc-1132	338	19	g.	g.	PROPN
ijtc-1132	338	20	m.	m.	PROPN
ijtc-1132	338	21	(	(	PUNCT
ijtc-1132	338	22	2018	2018	NUM
ijtc-1132	338	23	)	)	PUNCT
ijtc-1132	338	24	.	.	PUNCT
ijtc-1132	339	1	with	with	ADP
ijtc-1132	339	2	a	a	DET
ijtc-1132	339	3	little	little	ADJ
ijtc-1132	339	4	help	help	NOUN
ijtc-1132	339	5	from	from	ADP
ijtc-1132	339	6	the	the	DET
ijtc-1132	339	7	miners	miner	NOUN
ijtc-1132	339	8	:	:	PUNCT
ijtc-1132	339	9	distributed	distribute	VERB
ijtc-1132	339	10	ledger	ledger	NOUN
ijtc-1132	339	11	technology	technology	NOUN
ijtc-1132	339	12	and	and	CCONJ
ijtc-1132	339	13	market	market	NOUN
ijtc-1132	339	14	disintermediation	disintermediation	NOUN
ijtc-1132	339	15	.	.	PUNCT
ijtc-1132	340	1	industrial	industrial	ADJ
ijtc-1132	340	2	management	management	PROPN
ijtc-1132	340	3	&	&	CCONJ
ijtc-1132	340	4	data	datum	NOUN
ijtc-1132	340	5	systems	system	NOUN
ijtc-1132	340	6	,	,	PUNCT
ijtc-1132	340	7	118(3	118(3	NUM
ijtc-1132	340	8	)	)	PUNCT
ijtc-1132	340	9	,	,	PUNCT
ijtc-1132	340	10	637	637	NUM
ijtc-1132	340	11	–	–	PUNCT
ijtc-1132	340	12	652	652	NUM
ijtc-1132	340	13	.	.	PUNCT
ijtc-1132	341	1	https://doi.org/10.1108/imds-05-2017-0231	https://doi.org/10.1108/imds-05-2017-0231	ADV
ijtc-1132	341	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV