id	sid	tid	token	lemma	pos
ijtc-1243	1	1	ilomata	ilomata	PROPN
ijtc-1243	1	2	international	international	ADJ
ijtc-1243	1	3	journal	journal	NOUN
ijtc-1243	1	4	of	of	ADP
ijtc-1243	1	5	tax	tax	PROPN
ijtc-1243	1	6	&	&	CCONJ
ijtc-1243	1	7	accounting	account	VERB
ijtc-1243	1	8	p	p	PROPN
ijtc-1243	1	9	-	-	PUNCT
ijtc-1243	1	10	issn	issn	NOUN
ijtc-1243	1	11	:	:	PUNCT
ijtc-1243	1	12	2714	2714	NUM
ijtc-1243	1	13	-	-	SYM
ijtc-1243	1	14	9838	9838	NUM
ijtc-1243	1	15	;	;	PUNCT
ijtc-1243	1	16	e	e	X
ijtc-1243	1	17	-	-	PUNCT
ijtc-1243	1	18	issn	issn	NOUN
ijtc-1243	1	19	:	:	PUNCT
ijtc-1243	1	20	2714	2714	NUM
ijtc-1243	1	21	-	-	SYM
ijtc-1243	1	22	9846	9846	NUM
ijtc-1243	1	23	volume	volume	NOUN
ijtc-1243	1	24	5	5	NUM
ijtc-1243	1	25	,	,	PUNCT
ijtc-1243	1	26	issue	issue	NOUN
ijtc-1243	1	27	4	4	NUM
ijtc-1243	1	28	,	,	PUNCT
ijtc-1243	1	29	october	october	PROPN
ijtc-1243	1	30	2024	2024	NUM
ijtc-1243	1	31	page	page	NOUN
ijtc-1243	1	32	no	no	NOUN
ijtc-1243	1	33	.	.	NOUN
ijtc-1243	2	1	1	1	NUM
ijtc-1243	2	2	-	-	SYM
ijtc-1243	2	3	12	12	NUM
ijtc-1243	2	4	1	1	NUM
ijtc-1243	2	5	|	|	ADV
ijtc-1243	2	6	ilomata	ilomata	PROPN
ijtc-1243	2	7	international	international	ADJ
ijtc-1243	2	8	journal	journal	NOUN
ijtc-1243	2	9	of	of	ADP
ijtc-1243	2	10	tax	tax	PROPN
ijtc-1243	2	11	&	&	CCONJ
ijtc-1243	2	12	accounting	account	VERB
ijtc-1243	2	13	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	2	14	factors	factor	NOUN
ijtc-1243	2	15	influencing	influence	VERB
ijtc-1243	2	16	interest	interest	NOUN
ijtc-1243	2	17	in	in	ADP
ijtc-1243	2	18	using	use	VERB
ijtc-1243	2	19	financial	financial	ADJ
ijtc-1243	2	20	technology	technology	NOUN
ijtc-1243	2	21	qris	qris	NOUN
ijtc-1243	2	22	among	among	ADP
ijtc-1243	2	23	accounting	accounting	NOUN
ijtc-1243	2	24	lecturers	lecturer	NOUN
ijtc-1243	2	25	in	in	ADP
ijtc-1243	2	26	bandar	bandar	PROPN
ijtc-1243	2	27	lampung	lampung	PROPN
ijtc-1243	2	28	-	-	PUNCT
ijtc-1243	2	29	indonesia	indonesia	PROPN
ijtc-1243	2	30	evi	evi	PROPN
ijtc-1243	2	31	yuniarti1	yuniarti1	PROPN
ijtc-1243	2	32	,	,	PUNCT
ijtc-1243	2	33	kamelia	kamelia	PROPN
ijtc-1243	2	34	septiani2	septiani2	PROPN
ijtc-1243	2	35	,	,	PUNCT
ijtc-1243	2	36	rusmianto3	rusmianto3	PROPN
ijtc-1243	2	37	,	,	PUNCT
ijtc-1243	2	38	lihan	lihan	PROPN
ijtc-1243	2	39	rini	rini	PROPN
ijtc-1243	2	40	puspo	puspo	PROPN
ijtc-1243	2	41	wijaya4	wijaya4	PROPN
ijtc-1243	2	42	,	,	PUNCT
ijtc-1243	2	43	umarudin	umarudin	PROPN
ijtc-1243	2	44	kurniawan5	kurniawan5	PROPN
ijtc-1243	3	1	12345politeknik	12345politeknik	NUM
ijtc-1243	3	2	negeri	negeri	PROPN
ijtc-1243	3	3	lampung	lampung	PROPN
ijtc-1243	3	4	,	,	PUNCT
ijtc-1243	3	5	indonesia	indonesia	PROPN
ijtc-1243	3	6	correspondent	correspondent	NOUN
ijtc-1243	3	7	:	:	PUNCT
ijtc-1243	3	8	kameliaseptiani13@gmail.com2	kameliaseptiani13@gmail.com2	PROPN
ijtc-1243	3	9	received	receive	VERB
ijtc-1243	3	10	:	:	PUNCT
ijtc-1243	3	11	august	august	PROPN
ijtc-1243	3	12	25	25	NUM
ijtc-1243	3	13	,	,	PUNCT
ijtc-1243	3	14	2024	2024	NUM
ijtc-1243	3	15	accepted	accept	VERB
ijtc-1243	3	16	:	:	PUNCT
ijtc-1243	3	17	october	october	PROPN
ijtc-1243	3	18	5	5	NUM
ijtc-1243	3	19	,	,	PUNCT
ijtc-1243	3	20	2024	2024	NUM
ijtc-1243	3	21	published	publish	VERB
ijtc-1243	3	22	:	:	PUNCT
ijtc-1243	3	23	october	october	PROPN
ijtc-1243	3	24	31	31	NUM
ijtc-1243	3	25	,	,	PUNCT
ijtc-1243	3	26	2024	2024	NUM
ijtc-1243	3	27	citation	citation	NOUN
ijtc-1243	3	28	:	:	PUNCT
ijtc-1243	4	1	yuniarti	yuniarti	PROPN
ijtc-1243	4	2	,	,	PUNCT
ijtc-1243	4	3	e.	e.	PROPN
ijtc-1243	4	4	,	,	PUNCT
ijtc-1243	4	5	septiani	septiani	PROPN
ijtc-1243	4	6	,	,	PUNCT
ijtc-1243	4	7	k.	k.	PROPN
ijtc-1243	4	8	,	,	PUNCT
ijtc-1243	4	9	rusmianto	rusmianto	PROPN
ijtc-1243	4	10	.	.	PROPN
ijtc-1243	4	11	,	,	PUNCT
ijtc-1243	4	12	wijaya	wijaya	PROPN
ijtc-1243	4	13	,	,	PUNCT
ijtc-1243	4	14	;	;	PUNCT
ijtc-1243	4	15	,	,	PUNCT
ijtc-1243	4	16	r	r	NOUN
ijtc-1243	4	17	,	,	PUNCT
ijtc-1243	4	18	p.	p.	NOUN
ijtc-1243	4	19	,	,	PUNCT
ijtc-1243	4	20	kurniawan	kurniawan	PROPN
ijtc-1243	4	21	,	,	PUNCT
ijtc-1243	4	22	u.	u.	PROPN
ijtc-1243	4	23	(	(	PUNCT
ijtc-1243	4	24	2024	2024	NUM
ijtc-1243	4	25	)	)	PUNCT
ijtc-1243	4	26	.	.	PUNCT
ijtc-1243	5	1	factors	factor	NOUN
ijtc-1243	5	2	influencing	influence	VERB
ijtc-1243	5	3	interest	interest	NOUN
ijtc-1243	5	4	in	in	ADP
ijtc-1243	5	5	using	use	VERB
ijtc-1243	5	6	financial	financial	ADJ
ijtc-1243	5	7	technology	technology	NOUN
ijtc-1243	5	8	qris	qris	NOUN
ijtc-1243	5	9	among	among	ADP
ijtc-1243	5	10	accounting	accounting	NOUN
ijtc-1243	5	11	lecturers	lecturer	NOUN
ijtc-1243	5	12	in	in	ADP
ijtc-1243	5	13	bandar	bandar	PROPN
ijtc-1243	5	14	lampung	lampung	PROPN
ijtc-1243	5	15	-	-	PUNCT
ijtc-1243	5	16	indonesia	indonesia	PROPN
ijtc-1243	5	17	.	.	PUNCT
ijtc-1243	6	1	ilomata	ilomata	PROPN
ijtc-1243	6	2	international	international	PROPN
ijtc-1243	6	3	journal	journal	NOUN
ijtc-1243	6	4	of	of	ADP
ijtc-1243	6	5	tax	tax	NOUN
ijtc-1243	6	6	and	and	CCONJ
ijtc-1243	6	7	accounting	accounting	NOUN
ijtc-1243	6	8	,	,	PUNCT
ijtc-1243	6	9	5(4	5(4	NUM
ijtc-1243	6	10	)	)	PUNCT
ijtc-1243	6	11	,	,	PUNCT
ijtc-1243	6	12	1	1	NUM
ijtc-1243	6	13	-	-	SYM
ijtc-1243	6	14	12	12	NUM
ijtc-1243	6	15	.	.	PUNCT
ijtc-1243	7	1	https://doi.org/10.61194/ijtc.v5i4.1243	https://doi.org/10.61194/ijtc.v5i4.1243	PROPN
ijtc-1243	7	2	abstract	abstract	NOUN
ijtc-1243	7	3	:	:	PUNCT
ijtc-1243	7	4	this	this	DET
ijtc-1243	7	5	study	study	NOUN
ijtc-1243	7	6	aims	aim	VERB
ijtc-1243	7	7	to	to	PART
ijtc-1243	7	8	analyze	analyze	VERB
ijtc-1243	7	9	the	the	DET
ijtc-1243	7	10	effect	effect	NOUN
ijtc-1243	7	11	of	of	ADP
ijtc-1243	7	12	perceived	perceive	VERB
ijtc-1243	7	13	promotional	promotional	ADJ
ijtc-1243	7	14	attractiveness	attractiveness	NOUN
ijtc-1243	7	15	,	,	PUNCT
ijtc-1243	7	16	ease	ease	NOUN
ijtc-1243	7	17	of	of	ADP
ijtc-1243	7	18	use	use	NOUN
ijtc-1243	7	19	,	,	PUNCT
ijtc-1243	7	20	and	and	CCONJ
ijtc-1243	7	21	risk	risk	NOUN
ijtc-1243	7	22	of	of	ADP
ijtc-1243	7	23	use	use	NOUN
ijtc-1243	7	24	on	on	ADP
ijtc-1243	7	25	interest	interest	NOUN
ijtc-1243	7	26	in	in	ADP
ijtc-1243	7	27	using	use	VERB
ijtc-1243	7	28	qris	qris	NOUN
ijtc-1243	7	29	(	(	PUNCT
ijtc-1243	7	30	quick	quick	ADJ
ijtc-1243	7	31	response	response	NOUN
ijtc-1243	7	32	code	code	PROPN
ijtc-1243	7	33	indonesian	indonesian	PROPN
ijtc-1243	7	34	standard	standard	PROPN
ijtc-1243	7	35	)	)	PUNCT
ijtc-1243	7	36	financial	financial	ADJ
ijtc-1243	7	37	technology	technology	NOUN
ijtc-1243	7	38	.	.	PUNCT
ijtc-1243	8	1	quantitative	quantitative	ADJ
ijtc-1243	8	2	methods	method	NOUN
ijtc-1243	8	3	are	be	AUX
ijtc-1243	8	4	used	use	VERB
ijtc-1243	8	5	with	with	ADP
ijtc-1243	8	6	primary	primary	ADJ
ijtc-1243	8	7	data	datum	NOUN
ijtc-1243	8	8	obtained	obtain	VERB
ijtc-1243	8	9	through	through	ADP
ijtc-1243	8	10	questionnaires	questionnaire	NOUN
ijtc-1243	8	11	.	.	PUNCT
ijtc-1243	9	1	data	datum	NOUN
ijtc-1243	9	2	analysis	analysis	NOUN
ijtc-1243	9	3	was	be	AUX
ijtc-1243	9	4	performed	perform	VERB
ijtc-1243	9	5	using	use	VERB
ijtc-1243	9	6	smartpls	smartpls	NOUN
ijtc-1243	9	7	to	to	PART
ijtc-1243	9	8	test	test	VERB
ijtc-1243	9	9	measurement	measurement	NOUN
ijtc-1243	9	10	and	and	CCONJ
ijtc-1243	9	11	structural	structural	ADJ
ijtc-1243	9	12	models	model	NOUN
ijtc-1243	9	13	.	.	PUNCT
ijtc-1243	10	1	the	the	DET
ijtc-1243	10	2	results	result	NOUN
ijtc-1243	10	3	showed	show	VERB
ijtc-1243	10	4	that	that	SCONJ
ijtc-1243	10	5	the	the	DET
ijtc-1243	10	6	perception	perception	NOUN
ijtc-1243	10	7	of	of	ADP
ijtc-1243	10	8	promotional	promotional	ADJ
ijtc-1243	10	9	attractiveness	attractiveness	NOUN
ijtc-1243	10	10	,	,	PUNCT
ijtc-1243	10	11	ease	ease	NOUN
ijtc-1243	10	12	of	of	ADP
ijtc-1243	10	13	use	use	NOUN
ijtc-1243	10	14	,	,	PUNCT
ijtc-1243	10	15	and	and	CCONJ
ijtc-1243	10	16	risk	risk	NOUN
ijtc-1243	10	17	of	of	ADP
ijtc-1243	10	18	use	use	NOUN
ijtc-1243	10	19	did	do	AUX
ijtc-1243	10	20	not	not	PART
ijtc-1243	10	21	have	have	VERB
ijtc-1243	10	22	a	a	DET
ijtc-1243	10	23	significant	significant	ADJ
ijtc-1243	10	24	effect	effect	NOUN
ijtc-1243	10	25	on	on	ADP
ijtc-1243	10	26	interest	interest	NOUN
ijtc-1243	10	27	in	in	ADP
ijtc-1243	10	28	using	use	VERB
ijtc-1243	10	29	qris	qris	NOUN
ijtc-1243	10	30	.	.	PUNCT
ijtc-1243	11	1	the	the	DET
ijtc-1243	11	2	t	t	PROPN
ijtc-1243	11	3	-	-	PUNCT
ijtc-1243	11	4	count	count	NOUN
ijtc-1243	11	5	value	value	NOUN
ijtc-1243	11	6	is	be	AUX
ijtc-1243	11	7	smaller	small	ADJ
ijtc-1243	11	8	than	than	ADP
ijtc-1243	11	9	the	the	DET
ijtc-1243	11	10	t	t	NOUN
ijtc-1243	11	11	-	-	PUNCT
ijtc-1243	11	12	table	table	NOUN
ijtc-1243	11	13	and	and	CCONJ
ijtc-1243	11	14	the	the	DET
ijtc-1243	11	15	p	p	NOUN
ijtc-1243	11	16	-	-	PUNCT
ijtc-1243	11	17	values	value	NOUN
ijtc-1243	11	18	are	be	AUX
ijtc-1243	11	19	greater	great	ADJ
ijtc-1243	11	20	than	than	ADP
ijtc-1243	11	21	0.05	0.05	NUM
ijtc-1243	11	22	.	.	PUNCT
ijtc-1243	12	1	the	the	DET
ijtc-1243	12	2	research	research	NOUN
ijtc-1243	12	3	model	model	NOUN
ijtc-1243	12	4	has	have	VERB
ijtc-1243	12	5	a	a	DET
ijtc-1243	12	6	predictive	predictive	ADJ
ijtc-1243	12	7	relevance	relevance	NOUN
ijtc-1243	12	8	value	value	NOUN
ijtc-1243	12	9	of	of	ADP
ijtc-1243	12	10	3.99	3.99	NUM
ijtc-1243	12	11	%	%	NOUN
ijtc-1243	12	12	which	which	PRON
ijtc-1243	12	13	indicates	indicate	VERB
ijtc-1243	12	14	that	that	SCONJ
ijtc-1243	12	15	this	this	DET
ijtc-1243	12	16	model	model	NOUN
ijtc-1243	12	17	lacks	lack	VERB
ijtc-1243	12	18	predictive	predictive	ADJ
ijtc-1243	12	19	relevance	relevance	NOUN
ijtc-1243	12	20	.	.	PUNCT
ijtc-1243	13	1	the	the	DET
ijtc-1243	13	2	fsquared	fsquared	ADJ
ijtc-1243	13	3	value	value	NOUN
ijtc-1243	13	4	of	of	ADP
ijtc-1243	13	5	each	each	DET
ijtc-1243	13	6	variable	variable	NOUN
ijtc-1243	13	7	shows	show	VERB
ijtc-1243	13	8	a	a	DET
ijtc-1243	13	9	weak	weak	ADJ
ijtc-1243	13	10	effect	effect	NOUN
ijtc-1243	13	11	.	.	PUNCT
ijtc-1243	14	1	the	the	DET
ijtc-1243	14	2	conclusion	conclusion	NOUN
ijtc-1243	14	3	of	of	ADP
ijtc-1243	14	4	this	this	DET
ijtc-1243	14	5	study	study	NOUN
ijtc-1243	14	6	is	be	AUX
ijtc-1243	14	7	that	that	SCONJ
ijtc-1243	14	8	perceived	perceive	VERB
ijtc-1243	14	9	promotional	promotional	ADJ
ijtc-1243	14	10	attractiveness	attractiveness	NOUN
ijtc-1243	14	11	,	,	PUNCT
ijtc-1243	14	12	ease	ease	NOUN
ijtc-1243	14	13	of	of	ADP
ijtc-1243	14	14	use	use	NOUN
ijtc-1243	14	15	,	,	PUNCT
ijtc-1243	14	16	and	and	CCONJ
ijtc-1243	14	17	risk	risk	NOUN
ijtc-1243	14	18	of	of	ADP
ijtc-1243	14	19	use	use	NOUN
ijtc-1243	14	20	do	do	AUX
ijtc-1243	14	21	not	not	PART
ijtc-1243	14	22	affect	affect	VERB
ijtc-1243	14	23	interest	interest	NOUN
ijtc-1243	14	24	in	in	ADP
ijtc-1243	14	25	using	use	VERB
ijtc-1243	14	26	qris	qris	ADJ
ijtc-1243	14	27	financial	financial	ADJ
ijtc-1243	14	28	technology	technology	NOUN
ijtc-1243	14	29	.	.	PUNCT
ijtc-1243	15	1	these	these	DET
ijtc-1243	15	2	findings	finding	NOUN
ijtc-1243	15	3	make	make	VERB
ijtc-1243	15	4	an	an	DET
ijtc-1243	15	5	important	important	ADJ
ijtc-1243	15	6	contribution	contribution	NOUN
ijtc-1243	15	7	in	in	ADP
ijtc-1243	15	8	understanding	understand	VERB
ijtc-1243	15	9	the	the	DET
ijtc-1243	15	10	factors	factor	NOUN
ijtc-1243	15	11	that	that	PRON
ijtc-1243	15	12	influence	influence	VERB
ijtc-1243	15	13	qris	qris	ADJ
ijtc-1243	15	14	usage	usage	NOUN
ijtc-1243	15	15	interest	interest	NOUN
ijtc-1243	15	16	and	and	CCONJ
ijtc-1243	15	17	can	can	AUX
ijtc-1243	15	18	be	be	AUX
ijtc-1243	15	19	used	use	VERB
ijtc-1243	15	20	as	as	ADP
ijtc-1243	15	21	a	a	DET
ijtc-1243	15	22	basis	basis	NOUN
ijtc-1243	15	23	for	for	ADP
ijtc-1243	15	24	furtheir	furtheir	ADJ
ijtc-1243	15	25	research	research	NOUN
ijtc-1243	15	26	by	by	ADP
ijtc-1243	15	27	adding	add	VERB
ijtc-1243	15	28	other	other	ADJ
ijtc-1243	15	29	variables	variable	NOUN
ijtc-1243	15	30	such	such	ADJ
ijtc-1243	15	31	as	as	ADP
ijtc-1243	15	32	perceived	perceive	VERB
ijtc-1243	15	33	satisfaction	satisfaction	NOUN
ijtc-1243	15	34	and	and	CCONJ
ijtc-1243	15	35	system	system	NOUN
ijtc-1243	15	36	reputation	reputation	NOUN
ijtc-1243	15	37	to	to	PART
ijtc-1243	15	38	get	get	VERB
ijtc-1243	15	39	better	well	ADJ
ijtc-1243	15	40	results	result	NOUN
ijtc-1243	15	41	.	.	PUNCT
ijtc-1243	16	1	keywords	keyword	NOUN
ijtc-1243	16	2	:	:	PUNCT
ijtc-1243	16	3	qris	qris	NOUN
ijtc-1243	16	4	,	,	PUNCT
ijtc-1243	16	5	promotional	promotional	ADJ
ijtc-1243	16	6	attractiveness	attractiveness	NOUN
ijtc-1243	16	7	,	,	PUNCT
ijtc-1243	16	8	ease	ease	NOUN
ijtc-1243	16	9	of	of	ADP
ijtc-1243	16	10	use	use	NOUN
ijtc-1243	16	11	,	,	PUNCT
ijtc-1243	16	12	risk	risk	NOUN
ijtc-1243	16	13	of	of	ADP
ijtc-1243	16	14	use	use	NOUN
ijtc-1243	16	15	,	,	PUNCT
ijtc-1243	16	16	interest	interest	NOUN
ijtc-1243	16	17	in	in	ADP
ijtc-1243	16	18	use	use	NOUN
ijtc-1243	16	19	.	.	PUNCT
ijtc-1243	17	1	this	this	PRON
ijtc-1243	17	2	is	be	AUX
ijtc-1243	17	3	an	an	DET
ijtc-1243	17	4	open	open	ADJ
ijtc-1243	17	5	access	access	NOUN
ijtc-1243	17	6	article	article	NOUN
ijtc-1243	17	7	under	under	ADP
ijtc-1243	17	8	the	the	DET
ijtc-1243	17	9	cc	cc	NOUN
ijtc-1243	17	10	-	-	PUNCT
ijtc-1243	17	11	by	by	ADP
ijtc-1243	17	12	4.0	4.0	NUM
ijtc-1243	17	13	license	license	NOUN
ijtc-1243	17	14	introduction	introduction	NOUN
ijtc-1243	17	15	the	the	DET
ijtc-1243	17	16	industrial	industrial	ADJ
ijtc-1243	17	17	revolution	revolution	NOUN
ijtc-1243	17	18	4.0	4.0	NUM
ijtc-1243	17	19	has	have	AUX
ijtc-1243	17	20	greatly	greatly	ADV
ijtc-1243	17	21	influenced	influence	VERB
ijtc-1243	17	22	technological	technological	ADJ
ijtc-1243	17	23	advancements	advancement	NOUN
ijtc-1243	17	24	,	,	PUNCT
ijtc-1243	17	25	particularly	particularly	ADV
ijtc-1243	17	26	in	in	ADP
ijtc-1243	17	27	indonesia	indonesia	PROPN
ijtc-1243	17	28	's	's	PART
ijtc-1243	17	29	banking	banking	NOUN
ijtc-1243	17	30	sector	sector	NOUN
ijtc-1243	17	31	(	(	PUNCT
ijtc-1243	17	32	mawardani	mawardani	PROPN
ijtc-1243	17	33	&	&	CCONJ
ijtc-1243	17	34	dwijayanti	dwijayanti	PROPN
ijtc-1243	17	35	,	,	PUNCT
ijtc-1243	17	36	2021	2021	NUM
ijtc-1243	17	37	)	)	PUNCT
ijtc-1243	17	38	.	.	PUNCT
ijtc-1243	18	1	while	while	SCONJ
ijtc-1243	18	2	this	this	DET
ijtc-1243	18	3	revolution	revolution	NOUN
ijtc-1243	18	4	provides	provide	VERB
ijtc-1243	18	5	opportunities	opportunity	NOUN
ijtc-1243	18	6	for	for	ADP
ijtc-1243	18	7	enhanced	enhanced	ADJ
ijtc-1243	18	8	interaction	interaction	NOUN
ijtc-1243	18	9	,	,	PUNCT
ijtc-1243	18	10	it	it	PRON
ijtc-1243	18	11	also	also	ADV
ijtc-1243	18	12	brings	bring	VERB
ijtc-1243	18	13	potential	potential	ADJ
ijtc-1243	18	14	disruptions	disruption	NOUN
ijtc-1243	18	15	to	to	ADP
ijtc-1243	18	16	various	various	ADJ
ijtc-1243	18	17	aspects	aspect	NOUN
ijtc-1243	18	18	of	of	ADP
ijtc-1243	18	19	daily	daily	ADJ
ijtc-1243	18	20	life	life	NOUN
ijtc-1243	18	21	(	(	PUNCT
ijtc-1243	18	22	yuniarti	yuniarti	VERB
ijtc-1243	18	23	et	et	PROPN
ijtc-1243	18	24	al	al	PROPN
ijtc-1243	18	25	.	.	PROPN
ijtc-1243	18	26	,	,	PUNCT
ijtc-1243	18	27	2020	2020	NUM
ijtc-1243	18	28	)	)	PUNCT
ijtc-1243	18	29	.	.	PUNCT
ijtc-1243	19	1	a	a	DET
ijtc-1243	19	2	notable	notable	ADJ
ijtc-1243	19	3	change	change	NOUN
ijtc-1243	19	4	is	be	AUX
ijtc-1243	19	5	the	the	DET
ijtc-1243	19	6	increased	increase	VERB
ijtc-1243	19	7	adoption	adoption	NOUN
ijtc-1243	19	8	of	of	ADP
ijtc-1243	19	9	internet	internet	NOUN
ijtc-1243	19	10	and	and	CCONJ
ijtc-1243	19	11	digital	digital	ADJ
ijtc-1243	19	12	financial	financial	ADJ
ijtc-1243	19	13	technology	technology	NOUN
ijtc-1243	19	14	by	by	ADP
ijtc-1243	19	15	indonesians	indonesians	PROPN
ijtc-1243	19	16	,	,	PUNCT
ijtc-1243	19	17	highlighted	highlight	VERB
ijtc-1243	19	18	by	by	ADP
ijtc-1243	19	19	the	the	DET
ijtc-1243	19	20	launch	launch	NOUN
ijtc-1243	19	21	of	of	ADP
ijtc-1243	19	22	the	the	DET
ijtc-1243	19	23	national	national	ADJ
ijtc-1243	19	24	non	non	ADJ
ijtc-1243	19	25	-	-	ADJ
ijtc-1243	19	26	cash	cash	ADJ
ijtc-1243	19	27	movement	movement	NOUN
ijtc-1243	19	28	(	(	PUNCT
ijtc-1243	19	29	gnnt	gnnt	NOUN
ijtc-1243	19	30	)	)	PUNCT
ijtc-1243	19	31	by	by	ADP
ijtc-1243	19	32	bank	bank	PROPN
ijtc-1243	19	33	indonesia	indonesia	PROPN
ijtc-1243	19	34	in	in	ADP
ijtc-1243	19	35	2014	2014	NUM
ijtc-1243	19	36	(	(	PUNCT
ijtc-1243	19	37	risma	risma	PROPN
ijtc-1243	19	38	&	&	CCONJ
ijtc-1243	19	39	sri	sri	PROPN
ijtc-1243	19	40	,	,	PUNCT
ijtc-1243	19	41	2021	2021	NUM
ijtc-1243	19	42	)	)	PUNCT
ijtc-1243	19	43	.	.	PUNCT
ijtc-1243	20	1	bank	bank	PROPN
ijtc-1243	20	2	indonesia	indonesia	PROPN
ijtc-1243	20	3	reported	report	VERB
ijtc-1243	20	4	that	that	SCONJ
ijtc-1243	20	5	electronic	electronic	ADJ
ijtc-1243	20	6	money	money	NOUN
ijtc-1243	20	7	transactions	transaction	NOUN
ijtc-1243	20	8	reached	reach	VERB
ijtc-1243	20	9	idr	idr	PROPN
ijtc-1243	20	10	35.10	35.10	NUM
ijtc-1243	20	11	trillion	trillion	NUM
ijtc-1243	20	12	in	in	ADP
ijtc-1243	20	13	december	december	PROPN
ijtc-1243	20	14	2021	2021	NUM
ijtc-1243	20	15	,	,	PUNCT
ijtc-1243	20	16	marking	mark	VERB
ijtc-1243	20	17	a	a	DET
ijtc-1243	20	18	58.60	58.60	NUM
ijtc-1243	20	19	%	%	NOUN
ijtc-1243	20	20	growth	growth	NOUN
ijtc-1243	20	21	compared	compare	VERB
ijtc-1243	20	22	to	to	ADP
ijtc-1243	20	23	the	the	DET
ijtc-1243	20	24	previous	previous	ADJ
ijtc-1243	20	25	year	year	NOUN
ijtc-1243	20	26	(	(	PUNCT
ijtc-1243	20	27	nadhilah	nadhilah	INTJ
ijtc-1243	20	28	et	et	PROPN
ijtc-1243	20	29	al	al	PROPN
ijtc-1243	20	30	.	.	PROPN
ijtc-1243	20	31	,	,	PUNCT
ijtc-1243	20	32	2021	2021	NUM
ijtc-1243	20	33	)	)	PUNCT
ijtc-1243	20	34	.	.	PUNCT
ijtc-1243	21	1	innovations	innovation	NOUN
ijtc-1243	21	2	in	in	ADP
ijtc-1243	21	3	the	the	DET
ijtc-1243	21	4	financial	financial	ADJ
ijtc-1243	21	5	services	service	NOUN
ijtc-1243	21	6	sector	sector	NOUN
ijtc-1243	21	7	,	,	PUNCT
ijtc-1243	21	8	like	like	ADP
ijtc-1243	21	9	financial	financial	ADJ
ijtc-1243	21	10	technology	technology	NOUN
ijtc-1243	21	11	(	(	PUNCT
ijtc-1243	21	12	fintech	fintech	NOUN
ijtc-1243	21	13	)	)	PUNCT
ijtc-1243	21	14	,	,	PUNCT
ijtc-1243	21	15	have	have	AUX
ijtc-1243	21	16	made	make	VERB
ijtc-1243	21	17	financial	financial	ADJ
ijtc-1243	21	18	services	service	NOUN
ijtc-1243	21	19	more	more	ADV
ijtc-1243	21	20	accessible	accessible	ADJ
ijtc-1243	21	21	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	21	22	mailto:kameliaseptiani13@gmail.com	mailto:kameliaseptiani13@gmail.com	PROPN
ijtc-1243	21	23	https://doi.org/10.61194/ijtc.v5i4.1243	https://doi.org/10.61194/ijtc.v5i4.1243	PROPN
ijtc-1243	21	24	qris	qris	NOUN
ijtc-1243	21	25	:	:	PUNCT
ijtc-1243	21	26	awareness	awareness	NOUN
ijtc-1243	21	27	and	and	CCONJ
ijtc-1243	21	28	understanding	understand	VERB
ijtc-1243	21	29	the	the	DET
ijtc-1243	21	30	key	key	ADJ
ijtc-1243	21	31	drivers	driver	NOUN
ijtc-1243	21	32	yuniarti	yuniarti	VERB
ijtc-1243	21	33	,	,	PUNCT
ijtc-1243	21	34	septiani	septiani	NOUN
ijtc-1243	21	35	,	,	PUNCT
ijtc-1243	21	36	rusmianto	rusmianto	PROPN
ijtc-1243	21	37	.	.	PROPN
ijtc-1243	21	38	,	,	PUNCT
ijtc-1243	21	39	wijaya	wijaya	PROPN
ijtc-1243	21	40	,	,	PUNCT
ijtc-1243	21	41	and	and	CCONJ
ijtc-1243	21	42	kurniawan	kurniawan	X
ijtc-1243	22	1	2	2	NUM
ijtc-1243	22	2	|	|	ADV
ijtc-1243	22	3	ilomata	ilomata	PROPN
ijtc-1243	22	4	international	international	ADJ
ijtc-1243	22	5	journal	journal	NOUN
ijtc-1243	22	6	of	of	ADP
ijtc-1243	22	7	tax	tax	PROPN
ijtc-1243	22	8	&	&	CCONJ
ijtc-1243	22	9	accounting	account	VERB
ijtc-1243	22	10	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	22	11	to	to	ADP
ijtc-1243	22	12	the	the	DET
ijtc-1243	22	13	public	public	NOUN
ijtc-1243	22	14	through	through	ADP
ijtc-1243	22	15	non	non	ADJ
ijtc-1243	22	16	-	-	ADJ
ijtc-1243	22	17	cash	cash	ADJ
ijtc-1243	22	18	payment	payment	NOUN
ijtc-1243	22	19	systems	system	NOUN
ijtc-1243	22	20	available	available	ADJ
ijtc-1243	22	21	on	on	ADP
ijtc-1243	22	22	personal	personal	ADJ
ijtc-1243	22	23	devices	device	NOUN
ijtc-1243	22	24	(	(	PUNCT
ijtc-1243	22	25	aisyah	aisyah	NOUN
ijtc-1243	22	26	et	et	PROPN
ijtc-1243	22	27	al	al	PROPN
ijtc-1243	22	28	.	.	PROPN
ijtc-1243	22	29	,	,	PUNCT
ijtc-1243	22	30	2023	2023	NUM
ijtc-1243	22	31	;	;	PUNCT
ijtc-1243	22	32	setiawan	setiawan	PROPN
ijtc-1243	22	33	&	&	CCONJ
ijtc-1243	22	34	mahyuni	mahyuni	PROPN
ijtc-1243	22	35	,	,	PUNCT
ijtc-1243	22	36	2020	2020	NUM
ijtc-1243	22	37	)	)	PUNCT
ijtc-1243	22	38	.	.	PUNCT
ijtc-1243	23	1	one	one	NUM
ijtc-1243	23	2	aspect	aspect	NOUN
ijtc-1243	23	3	of	of	ADP
ijtc-1243	23	4	fintech	fintech	NOUN
ijtc-1243	23	5	is	be	AUX
ijtc-1243	23	6	the	the	DET
ijtc-1243	23	7	development	development	NOUN
ijtc-1243	23	8	of	of	ADP
ijtc-1243	23	9	non	non	ADJ
ijtc-1243	23	10	-	-	ADJ
ijtc-1243	23	11	cash	cash	ADJ
ijtc-1243	23	12	instruments	instrument	NOUN
ijtc-1243	23	13	like	like	ADP
ijtc-1243	23	14	e	e	NOUN
ijtc-1243	23	15	-	-	NOUN
ijtc-1243	23	16	money	money	NOUN
ijtc-1243	23	17	and	and	CCONJ
ijtc-1243	23	18	e	e	NOUN
ijtc-1243	23	19	-	-	NOUN
ijtc-1243	23	20	wallets	wallet	NOUN
ijtc-1243	23	21	,	,	PUNCT
ijtc-1243	23	22	which	which	PRON
ijtc-1243	23	23	are	be	AUX
ijtc-1243	23	24	becoming	become	VERB
ijtc-1243	23	25	increasingly	increasingly	ADV
ijtc-1243	23	26	popular	popular	ADJ
ijtc-1243	23	27	with	with	ADP
ijtc-1243	23	28	various	various	ADJ
ijtc-1243	23	29	options	option	NOUN
ijtc-1243	23	30	such	such	ADJ
ijtc-1243	23	31	as	as	ADP
ijtc-1243	23	32	gopay	gopay	NOUN
ijtc-1243	23	33	,	,	PUNCT
ijtc-1243	23	34	ovo	ovo	PROPN
ijtc-1243	23	35	,	,	PUNCT
ijtc-1243	23	36	linkaja	linkaja	PROPN
ijtc-1243	23	37	,	,	PUNCT
ijtc-1243	23	38	and	and	CCONJ
ijtc-1243	23	39	dana	dana	PROPN
ijtc-1243	23	40	.	.	PUNCT
ijtc-1243	24	1	to	to	PART
ijtc-1243	24	2	facilitate	facilitate	VERB
ijtc-1243	24	3	,	,	PUNCT
ijtc-1243	24	4	accelerate	accelerate	NOUN
ijtc-1243	24	5	,	,	PUNCT
ijtc-1243	24	6	and	and	CCONJ
ijtc-1243	24	7	secure	secure	VERB
ijtc-1243	24	8	transactions	transaction	NOUN
ijtc-1243	24	9	using	use	VERB
ijtc-1243	24	10	qr	qr	PROPN
ijtc-1243	24	11	codes	code	NOUN
ijtc-1243	24	12	,	,	PUNCT
ijtc-1243	24	13	bank	bank	PROPN
ijtc-1243	24	14	indonesia	indonesia	PROPN
ijtc-1243	24	15	introduced	introduce	VERB
ijtc-1243	24	16	the	the	DET
ijtc-1243	24	17	quick	quick	ADJ
ijtc-1243	24	18	response	response	NOUN
ijtc-1243	24	19	code	code	PROPN
ijtc-1243	24	20	indonesian	indonesian	PROPN
ijtc-1243	24	21	standard	standard	PROPN
ijtc-1243	24	22	(	(	PUNCT
ijtc-1243	24	23	qris	qris	PROPN
ijtc-1243	24	24	)	)	PUNCT
ijtc-1243	24	25	on	on	ADP
ijtc-1243	24	26	august	august	PROPN
ijtc-1243	24	27	17	17	NUM
ijtc-1243	24	28	,	,	PUNCT
ijtc-1243	24	29	2019	2019	NUM
ijtc-1243	24	30	(	(	PUNCT
ijtc-1243	24	31	hu	hu	PROPN
ijtc-1243	24	32	&	&	CCONJ
ijtc-1243	24	33	li	li	PROPN
ijtc-1243	24	34	,	,	PUNCT
ijtc-1243	24	35	2023	2023	NUM
ijtc-1243	24	36	;	;	PUNCT
ijtc-1243	24	37	nizar	nizar	NOUN
ijtc-1243	24	38	,	,	PUNCT
ijtc-1243	24	39	2017	2017	NUM
ijtc-1243	24	40	;	;	PUNCT
ijtc-1243	24	41	saputri	saputri	ADJ
ijtc-1243	24	42	,	,	PUNCT
ijtc-1243	24	43	2020	2020	NUM
ijtc-1243	24	44	)	)	PUNCT
ijtc-1243	24	45	.	.	PUNCT
ijtc-1243	25	1	despite	despite	SCONJ
ijtc-1243	25	2	the	the	DET
ijtc-1243	25	3	growing	grow	VERB
ijtc-1243	25	4	adoption	adoption	NOUN
ijtc-1243	25	5	of	of	ADP
ijtc-1243	25	6	qris	qris	NOUN
ijtc-1243	25	7	,	,	PUNCT
ijtc-1243	25	8	several	several	ADJ
ijtc-1243	25	9	challenges	challenge	NOUN
ijtc-1243	25	10	still	still	ADV
ijtc-1243	25	11	limit	limit	VERB
ijtc-1243	25	12	its	its	PRON
ijtc-1243	25	13	widespread	widespread	ADJ
ijtc-1243	25	14	use	use	NOUN
ijtc-1243	25	15	,	,	PUNCT
ijtc-1243	25	16	including	include	VERB
ijtc-1243	25	17	difficulties	difficulty	NOUN
ijtc-1243	25	18	with	with	ADP
ijtc-1243	25	19	top	top	ADJ
ijtc-1243	25	20	-	-	PUNCT
ijtc-1243	25	21	ups	up	NOUN
ijtc-1243	25	22	,	,	PUNCT
ijtc-1243	25	23	application	application	NOUN
ijtc-1243	25	24	errors	error	NOUN
ijtc-1243	25	25	,	,	PUNCT
ijtc-1243	25	26	and	and	CCONJ
ijtc-1243	25	27	poor	poor	ADJ
ijtc-1243	25	28	signal	signal	ADJ
ijtc-1243	25	29	quality	quality	NOUN
ijtc-1243	25	30	(	(	PUNCT
ijtc-1243	25	31	akhyar	akhyar	PROPN
ijtc-1243	25	32	&	&	CCONJ
ijtc-1243	25	33	sicily	sicily	PROPN
ijtc-1243	25	34	,	,	PUNCT
ijtc-1243	25	35	2023	2023	NUM
ijtc-1243	25	36	)	)	PUNCT
ijtc-1243	25	37	.	.	PUNCT
ijtc-1243	26	1	in	in	ADP
ijtc-1243	26	2	bandar	bandar	PROPN
ijtc-1243	26	3	lampung	lampung	PROPN
ijtc-1243	26	4	city	city	PROPN
ijtc-1243	26	5	,	,	PUNCT
ijtc-1243	26	6	qris	qris	NOUN
ijtc-1243	26	7	is	be	AUX
ijtc-1243	26	8	still	still	ADV
ijtc-1243	26	9	not	not	PART
ijtc-1243	26	10	widely	widely	ADV
ijtc-1243	26	11	used	use	VERB
ijtc-1243	26	12	,	,	PUNCT
ijtc-1243	26	13	with	with	ADP
ijtc-1243	26	14	only	only	ADV
ijtc-1243	26	15	12.43	12.43	NUM
ijtc-1243	26	16	%	%	NOUN
ijtc-1243	26	17	of	of	ADP
ijtc-1243	26	18	the	the	DET
ijtc-1243	26	19	population	population	NOUN
ijtc-1243	26	20	utilizing	utilize	VERB
ijtc-1243	26	21	it	it	PRON
ijtc-1243	26	22	in	in	ADP
ijtc-1243	26	23	2023	2023	NUM
ijtc-1243	26	24	(	(	PUNCT
ijtc-1243	26	25	lampung	lampung	PROPN
ijtc-1243	26	26	provincial	provincial	ADJ
ijtc-1243	26	27	statistics	statistics	PROPN
ijtc-1243	26	28	agency	agency	NOUN
ijtc-1243	26	29	,	,	PUNCT
ijtc-1243	26	30	2023	2023	NUM
ijtc-1243	26	31	)	)	PUNCT
ijtc-1243	26	32	.	.	PUNCT
ijtc-1243	27	1	concerns	concern	NOUN
ijtc-1243	27	2	about	about	ADP
ijtc-1243	27	3	usage	usage	NOUN
ijtc-1243	27	4	risks	risk	NOUN
ijtc-1243	27	5	and	and	CCONJ
ijtc-1243	27	6	personal	personal	ADJ
ijtc-1243	27	7	data	datum	NOUN
ijtc-1243	27	8	security	security	NOUN
ijtc-1243	27	9	are	be	AUX
ijtc-1243	27	10	major	major	ADJ
ijtc-1243	27	11	obstacles	obstacle	NOUN
ijtc-1243	27	12	to	to	ADP
ijtc-1243	27	13	increasing	increase	VERB
ijtc-1243	27	14	interest	interest	NOUN
ijtc-1243	27	15	in	in	ADP
ijtc-1243	27	16	qris	qris	NOUN
ijtc-1243	27	17	.	.	PUNCT
ijtc-1243	28	1	this	this	DET
ijtc-1243	28	2	research	research	NOUN
ijtc-1243	28	3	explores	explore	VERB
ijtc-1243	28	4	factors	factor	NOUN
ijtc-1243	28	5	that	that	PRON
ijtc-1243	28	6	influence	influence	VERB
ijtc-1243	28	7	user	user	NOUN
ijtc-1243	28	8	interest	interest	NOUN
ijtc-1243	28	9	in	in	ADP
ijtc-1243	28	10	qris	qris	NOUN
ijtc-1243	28	11	,	,	PUNCT
ijtc-1243	28	12	such	such	ADJ
ijtc-1243	28	13	as	as	ADP
ijtc-1243	28	14	perceived	perceive	VERB
ijtc-1243	28	15	benefits	benefit	NOUN
ijtc-1243	28	16	,	,	PUNCT
ijtc-1243	28	17	ease	ease	NOUN
ijtc-1243	28	18	of	of	ADP
ijtc-1243	28	19	use	use	NOUN
ijtc-1243	28	20	,	,	PUNCT
ijtc-1243	28	21	and	and	CCONJ
ijtc-1243	28	22	associated	associated	ADJ
ijtc-1243	28	23	risks	risk	NOUN
ijtc-1243	28	24	(	(	PUNCT
ijtc-1243	28	25	jaya	jaya	NOUN
ijtc-1243	28	26	,	,	PUNCT
ijtc-1243	28	27	2020	2020	NUM
ijtc-1243	28	28	)	)	PUNCT
ijtc-1243	28	29	.	.	PUNCT
ijtc-1243	29	1	the	the	DET
ijtc-1243	29	2	study	study	NOUN
ijtc-1243	29	3	aims	aim	VERB
ijtc-1243	29	4	to	to	PART
ijtc-1243	29	5	address	address	VERB
ijtc-1243	29	6	the	the	DET
ijtc-1243	29	7	research	research	NOUN
ijtc-1243	29	8	gap	gap	NOUN
ijtc-1243	29	9	by	by	ADP
ijtc-1243	29	10	providing	provide	VERB
ijtc-1243	29	11	a	a	DET
ijtc-1243	29	12	deeper	deep	ADJ
ijtc-1243	29	13	understanding	understanding	NOUN
ijtc-1243	29	14	of	of	ADP
ijtc-1243	29	15	user	user	NOUN
ijtc-1243	29	16	perceptions	perception	NOUN
ijtc-1243	29	17	of	of	ADP
ijtc-1243	29	18	qris	qris	NOUN
ijtc-1243	29	19	and	and	CCONJ
ijtc-1243	29	20	how	how	SCONJ
ijtc-1243	29	21	these	these	DET
ijtc-1243	29	22	factors	factor	NOUN
ijtc-1243	29	23	impact	impact	VERB
ijtc-1243	29	24	the	the	DET
ijtc-1243	29	25	decision	decision	NOUN
ijtc-1243	29	26	to	to	PART
ijtc-1243	29	27	use	use	VERB
ijtc-1243	29	28	the	the	DET
ijtc-1243	29	29	technology	technology	NOUN
ijtc-1243	29	30	,	,	PUNCT
ijtc-1243	29	31	particularly	particularly	ADV
ijtc-1243	29	32	among	among	ADP
ijtc-1243	29	33	accounting	accounting	NOUN
ijtc-1243	29	34	lecturers	lecturer	NOUN
ijtc-1243	29	35	(	(	PUNCT
ijtc-1243	29	36	hamdan	hamdan	PROPN
ijtc-1243	29	37	et	et	PROPN
ijtc-1243	29	38	al	al	PROPN
ijtc-1243	29	39	.	.	PROPN
ijtc-1243	29	40	,	,	PUNCT
ijtc-1243	29	41	2024	2024	NUM
ijtc-1243	29	42	;	;	PUNCT
ijtc-1243	29	43	kristyawan	kristyawan	PROPN
ijtc-1243	29	44	wihayanto	wihayanto	PROPN
ijtc-1243	29	45	putra	putra	PROPN
ijtc-1243	29	46	,	,	PUNCT
ijtc-1243	29	47	2025	2025	NUM
ijtc-1243	29	48	;	;	PUNCT
ijtc-1243	29	49	permana	permana	NOUN
ijtc-1243	29	50	&	&	CCONJ
ijtc-1243	29	51	aryowiloto	aryowiloto	NOUN
ijtc-1243	29	52	,	,	PUNCT
ijtc-1243	29	53	2024	2024	NUM
ijtc-1243	29	54	)	)	PUNCT
ijtc-1243	29	55	.	.	PUNCT
ijtc-1243	30	1	based	base	VERB
ijtc-1243	30	2	on	on	ADP
ijtc-1243	30	3	the	the	DET
ijtc-1243	30	4	background	background	NOUN
ijtc-1243	30	5	provided	provide	VERB
ijtc-1243	30	6	,	,	PUNCT
ijtc-1243	30	7	this	this	DET
ijtc-1243	30	8	study	study	NOUN
ijtc-1243	30	9	aims	aim	VERB
ijtc-1243	30	10	to	to	PART
ijtc-1243	30	11	examine	examine	VERB
ijtc-1243	30	12	the	the	DET
ijtc-1243	30	13	impact	impact	NOUN
ijtc-1243	30	14	of	of	ADP
ijtc-1243	30	15	perceived	perceive	VERB
ijtc-1243	30	16	benefits	benefit	NOUN
ijtc-1243	30	17	,	,	PUNCT
ijtc-1243	30	18	ease	ease	NOUN
ijtc-1243	30	19	of	of	ADP
ijtc-1243	30	20	use	use	NOUN
ijtc-1243	30	21	,	,	PUNCT
ijtc-1243	30	22	and	and	CCONJ
ijtc-1243	30	23	perceived	perceive	VERB
ijtc-1243	30	24	risk	risk	NOUN
ijtc-1243	30	25	on	on	ADP
ijtc-1243	30	26	accounting	accounting	NOUN
ijtc-1243	30	27	lecturers	lecturer	NOUN
ijtc-1243	30	28	'	'	PART
ijtc-1243	30	29	interest	interest	NOUN
ijtc-1243	30	30	in	in	ADP
ijtc-1243	30	31	using	use	VERB
ijtc-1243	30	32	qris	qris	ADJ
ijtc-1243	30	33	electronic	electronic	ADJ
ijtc-1243	30	34	money	money	NOUN
ijtc-1243	30	35	(	(	PUNCT
ijtc-1243	30	36	lesi	lesi	NOUN
ijtc-1243	30	37	,	,	PUNCT
ijtc-1243	30	38	2020	2020	NUM
ijtc-1243	30	39	;	;	PUNCT
ijtc-1243	30	40	santoso	santoso	PROPN
ijtc-1243	30	41	et	et	PROPN
ijtc-1243	30	42	al	al	PROPN
ijtc-1243	30	43	.	.	PROPN
ijtc-1243	30	44	,	,	PUNCT
ijtc-1243	30	45	2021	2021	NUM
ijtc-1243	30	46	)	)	PUNCT
ijtc-1243	30	47	.	.	PUNCT
ijtc-1243	31	1	the	the	DET
ijtc-1243	31	2	research	research	NOUN
ijtc-1243	31	3	questions	question	NOUN
ijtc-1243	31	4	include	include	VERB
ijtc-1243	31	5	whetheir	whetheir	PRON
ijtc-1243	31	6	perceptions	perception	NOUN
ijtc-1243	31	7	of	of	ADP
ijtc-1243	31	8	promotional	promotional	ADJ
ijtc-1243	31	9	attractiveness	attractiveness	NOUN
ijtc-1243	31	10	,	,	PUNCT
ijtc-1243	31	11	ease	ease	NOUN
ijtc-1243	31	12	of	of	ADP
ijtc-1243	31	13	use	use	NOUN
ijtc-1243	31	14	,	,	PUNCT
ijtc-1243	31	15	and	and	CCONJ
ijtc-1243	31	16	risk	risk	NOUN
ijtc-1243	31	17	influence	influence	NOUN
ijtc-1243	31	18	lecturers	lecturer	NOUN
ijtc-1243	31	19	'	'	PART
ijtc-1243	31	20	interest	interest	NOUN
ijtc-1243	31	21	in	in	ADP
ijtc-1243	31	22	using	use	VERB
ijtc-1243	31	23	qris	qris	NOUN
ijtc-1243	31	24	(	(	PUNCT
ijtc-1243	31	25	komalawati	komalawati	PROPN
ijtc-1243	31	26	&	&	CCONJ
ijtc-1243	31	27	ariftio	ariftio	PROPN
ijtc-1243	31	28	,	,	PUNCT
ijtc-1243	31	29	2021	2021	NUM
ijtc-1243	31	30	;	;	PUNCT
ijtc-1243	31	31	nugroho	nugroho	NOUN
ijtc-1243	31	32	,	,	PUNCT
ijtc-1243	31	33	2023	2023	NUM
ijtc-1243	31	34	)	)	PUNCT
ijtc-1243	31	35	.	.	PUNCT
ijtc-1243	32	1	this	this	DET
ijtc-1243	32	2	study	study	NOUN
ijtc-1243	32	3	is	be	AUX
ijtc-1243	32	4	expected	expect	VERB
ijtc-1243	32	5	to	to	PART
ijtc-1243	32	6	contribute	contribute	VERB
ijtc-1243	32	7	to	to	ADP
ijtc-1243	32	8	the	the	DET
ijtc-1243	32	9	field	field	NOUN
ijtc-1243	32	10	of	of	ADP
ijtc-1243	32	11	accounting	accounting	NOUN
ijtc-1243	32	12	and	and	CCONJ
ijtc-1243	32	13	taxation	taxation	NOUN
ijtc-1243	32	14	through	through	ADP
ijtc-1243	32	15	the	the	DET
ijtc-1243	32	16	digitalization	digitalization	NOUN
ijtc-1243	32	17	of	of	ADP
ijtc-1243	32	18	accounting	accounting	NOUN
ijtc-1243	32	19	,	,	PUNCT
ijtc-1243	32	20	and	and	CCONJ
ijtc-1243	32	21	also	also	ADV
ijtc-1243	32	22	serve	serve	VERB
ijtc-1243	32	23	as	as	ADP
ijtc-1243	32	24	a	a	DET
ijtc-1243	32	25	reference	reference	NOUN
ijtc-1243	32	26	for	for	ADP
ijtc-1243	32	27	future	future	ADJ
ijtc-1243	32	28	research	research	NOUN
ijtc-1243	32	29	on	on	ADP
ijtc-1243	32	30	the	the	DET
ijtc-1243	32	31	benefits	benefit	NOUN
ijtc-1243	32	32	and	and	CCONJ
ijtc-1243	32	33	ease	ease	NOUN
ijtc-1243	32	34	of	of	ADP
ijtc-1243	32	35	qris	qris	NOUN
ijtc-1243	32	36	transactions	transaction	NOUN
ijtc-1243	32	37	(	(	PUNCT
ijtc-1243	32	38	khofifa	khofifa	PROPN
ijtc-1243	32	39	,	,	PUNCT
ijtc-1243	32	40	2023	2023	NUM
ijtc-1243	32	41	;	;	PUNCT
ijtc-1243	32	42	li	li	PROPN
ijtc-1243	32	43	et	et	PROPN
ijtc-1243	32	44	al	al	PROPN
ijtc-1243	32	45	.	.	PROPN
ijtc-1243	32	46	,	,	PUNCT
ijtc-1243	32	47	2022	2022	NUM
ijtc-1243	32	48	)	)	PUNCT
ijtc-1243	32	49	.	.	PUNCT
ijtc-1243	33	1	by	by	ADP
ijtc-1243	33	2	investigating	investigate	VERB
ijtc-1243	33	3	the	the	DET
ijtc-1243	33	4	factors	factor	NOUN
ijtc-1243	33	5	that	that	PRON
ijtc-1243	33	6	affect	affect	VERB
ijtc-1243	33	7	user	user	NOUN
ijtc-1243	33	8	interest	interest	NOUN
ijtc-1243	33	9	in	in	ADP
ijtc-1243	33	10	qris	qris	NOUN
ijtc-1243	33	11	,	,	PUNCT
ijtc-1243	33	12	this	this	DET
ijtc-1243	33	13	research	research	NOUN
ijtc-1243	33	14	aims	aim	VERB
ijtc-1243	33	15	to	to	PART
ijtc-1243	33	16	offer	offer	VERB
ijtc-1243	33	17	new	new	ADJ
ijtc-1243	33	18	insights	insight	NOUN
ijtc-1243	33	19	that	that	PRON
ijtc-1243	33	20	can	can	AUX
ijtc-1243	33	21	help	help	VERB
ijtc-1243	33	22	boost	boost	VERB
ijtc-1243	33	23	the	the	DET
ijtc-1243	33	24	adoption	adoption	NOUN
ijtc-1243	33	25	of	of	ADP
ijtc-1243	33	26	digital	digital	ADJ
ijtc-1243	33	27	financial	financial	ADJ
ijtc-1243	33	28	technology	technology	NOUN
ijtc-1243	33	29	in	in	ADP
ijtc-1243	33	30	indonesia	indonesia	PROPN
ijtc-1243	33	31	(	(	PUNCT
ijtc-1243	33	32	martini	martini	X
ijtc-1243	33	33	et	et	PROPN
ijtc-1243	33	34	al	al	PROPN
ijtc-1243	33	35	.	.	PROPN
ijtc-1243	33	36	,	,	PUNCT
ijtc-1243	33	37	2022	2022	NUM
ijtc-1243	33	38	;	;	PUNCT
ijtc-1243	33	39	rjoub	rjoub	PROPN
ijtc-1243	33	40	et	et	PROPN
ijtc-1243	33	41	al	al	PROPN
ijtc-1243	33	42	.	.	PROPN
ijtc-1243	33	43	,	,	PUNCT
ijtc-1243	33	44	2023	2023	NUM
ijtc-1243	33	45	)	)	PUNCT
ijtc-1243	33	46	.	.	PUNCT
ijtc-1243	34	1	method	method	VERB
ijtc-1243	34	2	this	this	DET
ijtc-1243	34	3	research	research	NOUN
ijtc-1243	34	4	method	method	NOUN
ijtc-1243	34	5	includes	include	VERB
ijtc-1243	34	6	several	several	ADJ
ijtc-1243	34	7	stages	stage	NOUN
ijtc-1243	34	8	that	that	PRON
ijtc-1243	34	9	are	be	AUX
ijtc-1243	34	10	comprehensively	comprehensively	ADV
ijtc-1243	34	11	detailed	detail	VERB
ijtc-1243	34	12	,	,	PUNCT
ijtc-1243	34	13	from	from	ADP
ijtc-1243	34	14	sampling	sample	VERB
ijtc-1243	34	15	techniques	technique	NOUN
ijtc-1243	34	16	to	to	PART
ijtc-1243	34	17	data	datum	NOUN
ijtc-1243	34	18	analysis	analysis	NOUN
ijtc-1243	34	19	.	.	PUNCT
ijtc-1243	35	1	the	the	DET
ijtc-1243	35	2	following	follow	VERB
ijtc-1243	35	3	is	be	AUX
ijtc-1243	35	4	a	a	DET
ijtc-1243	35	5	detailed	detailed	ADJ
ijtc-1243	35	6	explanation	explanation	NOUN
ijtc-1243	35	7	of	of	ADP
ijtc-1243	35	8	each	each	PRON
ijtc-1243	35	9	of	of	ADP
ijtc-1243	35	10	these	these	DET
ijtc-1243	35	11	stages	stage	NOUN
ijtc-1243	35	12	:	:	PUNCT
ijtc-1243	35	13	population	population	NOUN
ijtc-1243	35	14	and	and	CCONJ
ijtc-1243	35	15	research	research	NOUN
ijtc-1243	35	16	sample	sample	NOUN
ijtc-1243	35	17	the	the	DET
ijtc-1243	35	18	population	population	NOUN
ijtc-1243	35	19	in	in	ADP
ijtc-1243	35	20	this	this	DET
ijtc-1243	35	21	study	study	NOUN
ijtc-1243	35	22	were	be	AUX
ijtc-1243	35	23	accounting	accounting	NOUN
ijtc-1243	35	24	lecturers	lecturer	NOUN
ijtc-1243	35	25	at	at	ADP
ijtc-1243	35	26	universities	university	NOUN
ijtc-1243	35	27	in	in	ADP
ijtc-1243	35	28	bandar	bandar	PROPN
ijtc-1243	35	29	lampung	lampung	PROPN
ijtc-1243	35	30	city	city	PROPN
ijtc-1243	35	31	.	.	PUNCT
ijtc-1243	36	1	there	there	PRON
ijtc-1243	36	2	are	be	VERB
ijtc-1243	36	3	9	9	NUM
ijtc-1243	36	4	universities	university	NOUN
ijtc-1243	36	5	with	with	ADP
ijtc-1243	36	6	a	a	DET
ijtc-1243	36	7	total	total	ADJ
ijtc-1243	36	8	population	population	NOUN
ijtc-1243	36	9	of	of	ADP
ijtc-1243	36	10	155	155	NUM
ijtc-1243	36	11	lecturers	lecturer	NOUN
ijtc-1243	36	12	recorded	record	VERB
ijtc-1243	36	13	in	in	ADP
ijtc-1243	36	14	the	the	DET
ijtc-1243	36	15	university	university	NOUN
ijtc-1243	36	16	database	database	NOUN
ijtc-1243	36	17	(	(	PUNCT
ijtc-1243	36	18	pddikti	pddikti	NOUN
ijtc-1243	36	19	)	)	PUNCT
ijtc-1243	36	20	.	.	PUNCT
ijtc-1243	37	1	this	this	DET
ijtc-1243	37	2	population	population	NOUN
ijtc-1243	37	3	consists	consist	VERB
ijtc-1243	37	4	of	of	ADP
ijtc-1243	37	5	lecturers	lecturer	NOUN
ijtc-1243	37	6	spread	spread	VERB
ijtc-1243	37	7	across	across	ADP
ijtc-1243	37	8	various	various	ADJ
ijtc-1243	37	9	universities	university	NOUN
ijtc-1243	37	10	such	such	ADJ
ijtc-1243	37	11	as	as	ADP
ijtc-1243	37	12	lampung	lampung	NOUN
ijtc-1243	37	13	state	state	NOUN
ijtc-1243	37	14	polytechnic	polytechnic	PROPN
ijtc-1243	37	15	,	,	PUNCT
ijtc-1243	37	16	bandar	bandar	PROPN
ijtc-1243	37	17	lampung	lampung	PROPN
ijtc-1243	37	18	university	university	PROPN
ijtc-1243	37	19	,	,	PUNCT
ijtc-1243	37	20	lampung	lampung	PROPN
ijtc-1243	37	21	university	university	PROPN
ijtc-1243	37	22	,	,	PUNCT
ijtc-1243	37	23	technocratic	technocratic	ADJ
ijtc-1243	37	24	university	university	NOUN
ijtc-1243	37	25	of	of	ADP
ijtc-1243	37	26	indonesia	indonesia	PROPN
ijtc-1243	37	27	,	,	PUNCT
ijtc-1243	37	28	malahayati	malahayati	PROPN
ijtc-1243	37	29	university	university	PROPN
ijtc-1243	37	30	,	,	PUNCT
ijtc-1243	37	31	sang	sing	VERB
ijtc-1243	37	32	bumi	bumi	PROPN
ijtc-1243	37	33	ruwa	ruwa	PROPN
ijtc-1243	37	34	jurai	jurai	PROPN
ijtc-1243	37	35	university	university	PROPN
ijtc-1243	37	36	,	,	PUNCT
ijtc-1243	37	37	mitra	mitra	PROPN
ijtc-1243	37	38	indonesia	indonesia	PROPN
ijtc-1243	37	39	university	university	PROPN
ijtc-1243	37	40	,	,	PUNCT
ijtc-1243	37	41	raden	raden	PROPN
ijtc-1243	37	42	intan	intan	PROPN
ijtc-1243	37	43	lampung	lampung	PROPN
ijtc-1243	37	44	state	state	PROPN
ijtc-1243	37	45	islamic	islamic	PROPN
ijtc-1243	37	46	university	university	PROPN
ijtc-1243	37	47	,	,	PUNCT
ijtc-1243	37	48	and	and	CCONJ
ijtc-1243	37	49	darmajaya	darmajaya	NOUN
ijtc-1243	37	50	informatics	informatic	NOUN
ijtc-1243	37	51	and	and	CCONJ
ijtc-1243	37	52	business	business	PROPN
ijtc-1243	37	53	institute	institute	PROPN
ijtc-1243	37	54	.	.	PUNCT
ijtc-1243	38	1	the	the	DET
ijtc-1243	38	2	sample	sample	NOUN
ijtc-1243	38	3	for	for	ADP
ijtc-1243	38	4	this	this	DET
ijtc-1243	38	5	research	research	NOUN
ijtc-1243	38	6	was	be	AUX
ijtc-1243	38	7	selected	select	VERB
ijtc-1243	38	8	using	use	VERB
ijtc-1243	38	9	a	a	DET
ijtc-1243	38	10	combination	combination	NOUN
ijtc-1243	38	11	of	of	ADP
ijtc-1243	38	12	probability	probability	NOUN
ijtc-1243	38	13	sampling	sampling	NOUN
ijtc-1243	38	14	and	and	CCONJ
ijtc-1243	38	15	purposive	purposive	ADJ
ijtc-1243	38	16	sampling	sample	VERB
ijtc-1243	38	17	techniques	technique	NOUN
ijtc-1243	38	18	.	.	PUNCT
ijtc-1243	39	1	probability	probability	NOUN
ijtc-1243	39	2	sampling	sampling	NOUN
ijtc-1243	39	3	was	be	AUX
ijtc-1243	39	4	employed	employ	VERB
ijtc-1243	39	5	because	because	SCONJ
ijtc-1243	39	6	the	the	DET
ijtc-1243	39	7	population	population	NOUN
ijtc-1243	39	8	size	size	NOUN
ijtc-1243	39	9	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	39	10	qris	qris	NOUN
ijtc-1243	39	11	:	:	PUNCT
ijtc-1243	39	12	awareness	awareness	NOUN
ijtc-1243	39	13	and	and	CCONJ
ijtc-1243	39	14	understanding	understand	VERB
ijtc-1243	39	15	the	the	DET
ijtc-1243	39	16	key	key	ADJ
ijtc-1243	39	17	drivers	driver	NOUN
ijtc-1243	39	18	yuniarti	yuniarti	VERB
ijtc-1243	39	19	,	,	PUNCT
ijtc-1243	39	20	septiani	septiani	NOUN
ijtc-1243	39	21	,	,	PUNCT
ijtc-1243	39	22	rusmianto	rusmianto	PROPN
ijtc-1243	39	23	.	.	PROPN
ijtc-1243	39	24	,	,	PUNCT
ijtc-1243	39	25	wijaya	wijaya	PROPN
ijtc-1243	39	26	,	,	PUNCT
ijtc-1243	39	27	and	and	CCONJ
ijtc-1243	39	28	kurniawan	kurniawan	X
ijtc-1243	39	29	3	3	NUM
ijtc-1243	39	30	|	|	ADV
ijtc-1243	39	31	ilomata	ilomata	PROPN
ijtc-1243	39	32	international	international	ADJ
ijtc-1243	39	33	journal	journal	NOUN
ijtc-1243	39	34	of	of	ADP
ijtc-1243	39	35	tax	tax	PROPN
ijtc-1243	39	36	&	&	CCONJ
ijtc-1243	39	37	accounting	accounting	NOUN
ijtc-1243	39	38	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	39	39	was	be	AUX
ijtc-1243	39	40	known	know	VERB
ijtc-1243	39	41	,	,	PUNCT
ijtc-1243	39	42	while	while	SCONJ
ijtc-1243	39	43	purposive	purposive	ADJ
ijtc-1243	39	44	sampling	sampling	NOUN
ijtc-1243	39	45	was	be	AUX
ijtc-1243	39	46	chosen	choose	VERB
ijtc-1243	39	47	due	due	ADP
ijtc-1243	39	48	to	to	ADP
ijtc-1243	39	49	specific	specific	ADJ
ijtc-1243	39	50	considerations	consideration	NOUN
ijtc-1243	39	51	aligning	align	VERB
ijtc-1243	39	52	with	with	ADP
ijtc-1243	39	53	the	the	DET
ijtc-1243	39	54	research	research	NOUN
ijtc-1243	39	55	criteria	criterion	NOUN
ijtc-1243	39	56	.	.	PUNCT
ijtc-1243	40	1	purposive	purposive	ADJ
ijtc-1243	40	2	sampling	sampling	NOUN
ijtc-1243	40	3	was	be	AUX
ijtc-1243	40	4	selected	select	VERB
ijtc-1243	40	5	because	because	SCONJ
ijtc-1243	40	6	there	there	PRON
ijtc-1243	40	7	are	be	VERB
ijtc-1243	40	8	often	often	ADV
ijtc-1243	40	9	constraints	constraint	NOUN
ijtc-1243	40	10	that	that	PRON
ijtc-1243	40	11	make	make	VERB
ijtc-1243	40	12	random	random	ADJ
ijtc-1243	40	13	sampling	sampling	NOUN
ijtc-1243	40	14	difficult	difficult	ADJ
ijtc-1243	40	15	,	,	PUNCT
ijtc-1243	40	16	so	so	CCONJ
ijtc-1243	40	17	it	it	PRON
ijtc-1243	40	18	is	be	AUX
ijtc-1243	40	19	used	use	VERB
ijtc-1243	40	20	to	to	PART
ijtc-1243	40	21	ensure	ensure	VERB
ijtc-1243	40	22	that	that	SCONJ
ijtc-1243	40	23	the	the	DET
ijtc-1243	40	24	sample	sample	NOUN
ijtc-1243	40	25	criteria	criterion	NOUN
ijtc-1243	40	26	closely	closely	ADV
ijtc-1243	40	27	match	match	VERB
ijtc-1243	40	28	the	the	DET
ijtc-1243	40	29	research	research	NOUN
ijtc-1243	40	30	objectives	objective	NOUN
ijtc-1243	40	31	.	.	PUNCT
ijtc-1243	41	1	according	accord	VERB
ijtc-1243	41	2	to	to	ADP
ijtc-1243	41	3	the	the	DET
ijtc-1243	41	4	slovin	slovin	NOUN
ijtc-1243	41	5	formula	formula	NOUN
ijtc-1243	41	6	,	,	PUNCT
ijtc-1243	41	7	with	with	ADP
ijtc-1243	41	8	a	a	DET
ijtc-1243	41	9	10	10	NUM
ijtc-1243	41	10	%	%	NOUN
ijtc-1243	41	11	margin	margin	NOUN
ijtc-1243	41	12	of	of	ADP
ijtc-1243	41	13	error	error	NOUN
ijtc-1243	41	14	,	,	PUNCT
ijtc-1243	41	15	the	the	DET
ijtc-1243	41	16	calculated	calculated	ADJ
ijtc-1243	41	17	sample	sample	NOUN
ijtc-1243	41	18	size	size	NOUN
ijtc-1243	41	19	is	be	AUX
ijtc-1243	41	20	61	61	NUM
ijtc-1243	41	21	respondents	respondent	NOUN
ijtc-1243	41	22	.	.	PUNCT
ijtc-1243	42	1	types	type	NOUN
ijtc-1243	42	2	and	and	CCONJ
ijtc-1243	42	3	methods	method	NOUN
ijtc-1243	42	4	of	of	ADP
ijtc-1243	42	5	data	datum	NOUN
ijtc-1243	42	6	collection	collection	NOUN
ijtc-1243	42	7	the	the	DET
ijtc-1243	42	8	type	type	NOUN
ijtc-1243	42	9	of	of	ADP
ijtc-1243	42	10	data	datum	NOUN
ijtc-1243	42	11	used	use	VERB
ijtc-1243	42	12	in	in	ADP
ijtc-1243	42	13	this	this	DET
ijtc-1243	42	14	study	study	NOUN
ijtc-1243	42	15	is	be	AUX
ijtc-1243	42	16	primary	primary	ADJ
ijtc-1243	42	17	data	datum	NOUN
ijtc-1243	42	18	.	.	PUNCT
ijtc-1243	43	1	this	this	DET
ijtc-1243	43	2	primary	primary	ADJ
ijtc-1243	43	3	data	datum	NOUN
ijtc-1243	43	4	was	be	AUX
ijtc-1243	43	5	obtained	obtain	VERB
ijtc-1243	43	6	directly	directly	ADV
ijtc-1243	43	7	from	from	ADP
ijtc-1243	43	8	respondents	respondent	NOUN
ijtc-1243	43	9	through	through	ADP
ijtc-1243	43	10	distributing	distribute	VERB
ijtc-1243	43	11	questionnaires	questionnaire	NOUN
ijtc-1243	43	12	.	.	PUNCT
ijtc-1243	44	1	the	the	DET
ijtc-1243	44	2	questionnaire	questionnaire	NOUN
ijtc-1243	44	3	used	use	VERB
ijtc-1243	44	4	contains	contain	VERB
ijtc-1243	44	5	questions	question	NOUN
ijtc-1243	44	6	related	relate	VERB
ijtc-1243	44	7	to	to	ADP
ijtc-1243	44	8	perceived	perceive	VERB
ijtc-1243	44	9	ease	ease	NOUN
ijtc-1243	44	10	of	of	ADP
ijtc-1243	44	11	use	use	NOUN
ijtc-1243	44	12	,	,	PUNCT
ijtc-1243	44	13	perceived	perceive	VERB
ijtc-1243	44	14	risk	risk	NOUN
ijtc-1243	44	15	of	of	ADP
ijtc-1243	44	16	use	use	NOUN
ijtc-1243	44	17	,	,	PUNCT
ijtc-1243	44	18	and	and	CCONJ
ijtc-1243	44	19	perceived	perceive	VERB
ijtc-1243	44	20	promotional	promotional	ADJ
ijtc-1243	44	21	attractiveness	attractiveness	NOUN
ijtc-1243	44	22	of	of	ADP
ijtc-1243	44	23	interest	interest	NOUN
ijtc-1243	44	24	in	in	ADP
ijtc-1243	44	25	using	use	VERB
ijtc-1243	44	26	financial	financial	ADJ
ijtc-1243	44	27	technology	technology	NOUN
ijtc-1243	44	28	qris	qris	NOUN
ijtc-1243	44	29	.	.	PUNCT
ijtc-1243	45	1	primary	primary	ADJ
ijtc-1243	45	2	data	datum	NOUN
ijtc-1243	45	3	is	be	AUX
ijtc-1243	45	4	measured	measure	VERB
ijtc-1243	45	5	using	use	VERB
ijtc-1243	45	6	a	a	DET
ijtc-1243	45	7	likert	likert	ADJ
ijtc-1243	45	8	scale	scale	NOUN
ijtc-1243	45	9	which	which	PRON
ijtc-1243	45	10	is	be	AUX
ijtc-1243	45	11	commonly	commonly	ADV
ijtc-1243	45	12	used	use	VERB
ijtc-1243	45	13	to	to	PART
ijtc-1243	45	14	measure	measure	VERB
ijtc-1243	45	15	attitudes	attitude	NOUN
ijtc-1243	45	16	and	and	CCONJ
ijtc-1243	45	17	opinions	opinion	NOUN
ijtc-1243	45	18	.	.	PUNCT
ijtc-1243	46	1	data	datum	NOUN
ijtc-1243	46	2	collection	collection	NOUN
ijtc-1243	46	3	methods	method	NOUN
ijtc-1243	46	4	the	the	DET
ijtc-1243	46	5	data	data	NOUN
ijtc-1243	46	6	collection	collection	NOUN
ijtc-1243	46	7	method	method	NOUN
ijtc-1243	46	8	was	be	AUX
ijtc-1243	46	9	carried	carry	VERB
ijtc-1243	46	10	out	out	ADP
ijtc-1243	46	11	using	use	VERB
ijtc-1243	46	12	a	a	DET
ijtc-1243	46	13	questionnaire	questionnaire	NOUN
ijtc-1243	46	14	distributed	distribute	VERB
ijtc-1243	46	15	online	online	ADV
ijtc-1243	46	16	.	.	PUNCT
ijtc-1243	47	1	this	this	DET
ijtc-1243	47	2	questionnaire	questionnaire	NOUN
ijtc-1243	47	3	is	be	AUX
ijtc-1243	47	4	closed	close	VERB
ijtc-1243	47	5	with	with	ADP
ijtc-1243	47	6	each	each	DET
ijtc-1243	47	7	question	question	NOUN
ijtc-1243	47	8	measured	measure	VERB
ijtc-1243	47	9	using	use	VERB
ijtc-1243	47	10	a	a	DET
ijtc-1243	47	11	likert	likert	ADJ
ijtc-1243	47	12	scale	scale	NOUN
ijtc-1243	47	13	of	of	ADP
ijtc-1243	47	14	1	1	NUM
ijtc-1243	47	15	-	-	SYM
ijtc-1243	47	16	5	5	NUM
ijtc-1243	47	17	.	.	PUNCT
ijtc-1243	48	1	this	this	DET
ijtc-1243	48	2	scale	scale	NOUN
ijtc-1243	48	3	is	be	AUX
ijtc-1243	48	4	used	use	VERB
ijtc-1243	48	5	to	to	PART
ijtc-1243	48	6	measure	measure	VERB
ijtc-1243	48	7	respondents	respondent	NOUN
ijtc-1243	48	8	'	'	PART
ijtc-1243	48	9	attitudes	attitude	NOUN
ijtc-1243	48	10	,	,	PUNCT
ijtc-1243	48	11	opinions	opinion	NOUN
ijtc-1243	48	12	,	,	PUNCT
ijtc-1243	48	13	and	and	CCONJ
ijtc-1243	48	14	perceptions	perception	NOUN
ijtc-1243	48	15	about	about	ADP
ijtc-1243	48	16	the	the	DET
ijtc-1243	48	17	social	social	ADJ
ijtc-1243	48	18	phenomenon	phenomenon	NOUN
ijtc-1243	48	19	under	under	ADP
ijtc-1243	48	20	study	study	NOUN
ijtc-1243	48	21	.	.	PUNCT
ijtc-1243	49	1	variable	variable	ADJ
ijtc-1243	49	2	operationalization	operationalization	NOUN
ijtc-1243	49	3	this	this	DET
ijtc-1243	49	4	study	study	NOUN
ijtc-1243	49	5	involveis	involveis	NOUN
ijtc-1243	49	6	several	several	ADJ
ijtc-1243	49	7	variableis	variablei	NOUN
ijtc-1243	49	8	,	,	PUNCT
ijtc-1243	49	9	both	both	CCONJ
ijtc-1243	49	10	dependent	dependent	ADJ
ijtc-1243	49	11	and	and	CCONJ
ijtc-1243	49	12	independent	independent	ADJ
ijtc-1243	49	13	.	.	PUNCT
ijtc-1243	50	1	the	the	DET
ijtc-1243	50	2	dependent	dependent	ADJ
ijtc-1243	50	3	variable	variable	NOUN
ijtc-1243	50	4	is	be	AUX
ijtc-1243	50	5	interest	interest	NOUN
ijtc-1243	50	6	in	in	ADP
ijtc-1243	50	7	using	use	VERB
ijtc-1243	50	8	financial	financial	ADJ
ijtc-1243	50	9	technology	technology	NOUN
ijtc-1243	50	10	qris	qris	NOUN
ijtc-1243	50	11	,	,	PUNCT
ijtc-1243	50	12	while	while	SCONJ
ijtc-1243	50	13	the	the	DET
ijtc-1243	50	14	independent	independent	ADJ
ijtc-1243	50	15	variables	variable	NOUN
ijtc-1243	50	16	consist	consist	VERB
ijtc-1243	50	17	of	of	ADP
ijtc-1243	50	18	perceived	perceive	VERB
ijtc-1243	50	19	promotional	promotional	ADJ
ijtc-1243	50	20	attractiveness	attractiveness	NOUN
ijtc-1243	50	21	,	,	PUNCT
ijtc-1243	50	22	perceived	perceive	VERB
ijtc-1243	50	23	ease	ease	NOUN
ijtc-1243	50	24	of	of	ADP
ijtc-1243	50	25	use	use	NOUN
ijtc-1243	50	26	,	,	PUNCT
ijtc-1243	50	27	and	and	CCONJ
ijtc-1243	50	28	perceived	perceive	VERB
ijtc-1243	50	29	risk	risk	NOUN
ijtc-1243	50	30	of	of	ADP
ijtc-1243	50	31	use	use	NOUN
ijtc-1243	50	32	.	.	PUNCT
ijtc-1243	51	1	each	each	DET
ijtc-1243	51	2	variable	variable	NOUN
ijtc-1243	51	3	is	be	AUX
ijtc-1243	51	4	operationalized	operationalize	VERB
ijtc-1243	51	5	through	through	ADP
ijtc-1243	51	6	several	several	ADJ
ijtc-1243	51	7	indicators	indicator	NOUN
ijtc-1243	51	8	measured	measure	VERB
ijtc-1243	51	9	in	in	ADP
ijtc-1243	51	10	the	the	DET
ijtc-1243	51	11	questionnaire	questionnaire	NOUN
ijtc-1243	51	12	.	.	PUNCT
ijtc-1243	52	1	data	datum	NOUN
ijtc-1243	52	2	analysis	analysis	NOUN
ijtc-1243	52	3	and	and	CCONJ
ijtc-1243	52	4	hypothesis	hypothesis	NOUN
ijtc-1243	52	5	testing	testing	NOUN
ijtc-1243	52	6	for	for	ADP
ijtc-1243	52	7	data	datum	NOUN
ijtc-1243	52	8	analysis	analysis	NOUN
ijtc-1243	52	9	,	,	PUNCT
ijtc-1243	52	10	this	this	DET
ijtc-1243	52	11	study	study	NOUN
ijtc-1243	52	12	employs	employ	VERB
ijtc-1243	52	13	the	the	DET
ijtc-1243	52	14	partial	partial	ADJ
ijtc-1243	52	15	least	least	ADJ
ijtc-1243	52	16	squares	square	NOUN
ijtc-1243	52	17	(	(	PUNCT
ijtc-1243	52	18	pls	pls	INTJ
ijtc-1243	52	19	)	)	PUNCT
ijtc-1243	52	20	method	method	NOUN
ijtc-1243	52	21	using	use	VERB
ijtc-1243	52	22	smartpls	smartpls	NOUN
ijtc-1243	52	23	software	software	NOUN
ijtc-1243	52	24	.	.	PUNCT
ijtc-1243	53	1	the	the	DET
ijtc-1243	53	2	pls	pls	PROPN
ijtc-1243	53	3	method	method	NOUN
ijtc-1243	53	4	was	be	AUX
ijtc-1243	53	5	chosen	choose	VERB
ijtc-1243	53	6	because	because	SCONJ
ijtc-1243	53	7	it	it	PRON
ijtc-1243	53	8	can	can	AUX
ijtc-1243	53	9	estimate	estimate	VERB
ijtc-1243	53	10	path	path	NOUN
ijtc-1243	53	11	models	model	NOUN
ijtc-1243	53	12	that	that	PRON
ijtc-1243	53	13	involve	involve	VERB
ijtc-1243	53	14	latent	latent	NOUN
ijtc-1243	53	15	constructs	construct	NOUN
ijtc-1243	53	16	with	with	ADP
ijtc-1243	53	17	multiple	multiple	ADJ
ijtc-1243	53	18	indicators	indicator	NOUN
ijtc-1243	53	19	,	,	PUNCT
ijtc-1243	53	20	and	and	CCONJ
ijtc-1243	53	21	it	it	PRON
ijtc-1243	53	22	aids	aid	VERB
ijtc-1243	53	23	in	in	ADP
ijtc-1243	53	24	obtaining	obtain	VERB
ijtc-1243	53	25	latent	latent	ADJ
ijtc-1243	53	26	variable	variable	ADJ
ijtc-1243	53	27	values	value	NOUN
ijtc-1243	53	28	for	for	ADP
ijtc-1243	53	29	predictive	predictive	ADJ
ijtc-1243	53	30	purposes	purpose	NOUN
ijtc-1243	53	31	.	.	PUNCT
ijtc-1243	54	1	pls	pls	PROPN
ijtc-1243	54	2	is	be	AUX
ijtc-1243	54	3	also	also	ADV
ijtc-1243	54	4	considered	consider	VERB
ijtc-1243	54	5	a	a	DET
ijtc-1243	54	6	robust	robust	ADJ
ijtc-1243	54	7	analysis	analysis	NOUN
ijtc-1243	54	8	method	method	NOUN
ijtc-1243	54	9	,	,	PUNCT
ijtc-1243	54	10	as	as	SCONJ
ijtc-1243	54	11	it	it	PRON
ijtc-1243	54	12	does	do	AUX
ijtc-1243	54	13	not	not	PART
ijtc-1243	54	14	require	require	VERB
ijtc-1243	54	15	the	the	DET
ijtc-1243	54	16	assumption	assumption	NOUN
ijtc-1243	54	17	of	of	ADP
ijtc-1243	54	18	normal	normal	ADJ
ijtc-1243	54	19	data	datum	NOUN
ijtc-1243	54	20	distribution	distribution	NOUN
ijtc-1243	54	21	and	and	CCONJ
ijtc-1243	54	22	can	can	AUX
ijtc-1243	54	23	estimate	estimate	VERB
ijtc-1243	54	24	linear	linear	ADJ
ijtc-1243	54	25	relationship	relationship	NOUN
ijtc-1243	54	26	between	between	ADP
ijtc-1243	54	27	the	the	DET
ijtc-1243	54	28	constructs	construct	NOUN
ijtc-1243	54	29	being	be	AUX
ijtc-1243	54	30	studied	study	VERB
ijtc-1243	54	31	.	.	PUNCT
ijtc-1243	55	1	model	model	PROPN
ijtc-1243	55	2	measurement	measurement	PROPN
ijtc-1243	55	3	(	(	PUNCT
ijtc-1243	55	4	outer	outer	ADJ
ijtc-1243	55	5	model	model	NOUN
ijtc-1243	55	6	)	)	PUNCT
ijtc-1243	55	7	outer	outer	ADJ
ijtc-1243	55	8	model	model	NOUN
ijtc-1243	55	9	evaluation	evaluation	NOUN
ijtc-1243	55	10	is	be	AUX
ijtc-1243	55	11	carried	carry	VERB
ijtc-1243	55	12	out	out	ADP
ijtc-1243	55	13	by	by	ADP
ijtc-1243	55	14	twisting	twist	VERB
ijtc-1243	55	15	convergent	convergent	NOUN
ijtc-1243	55	16	and	and	CCONJ
ijtc-1243	55	17	discriminant	discriminant	ADJ
ijtc-1243	55	18	validity	validity	NOUN
ijtc-1243	55	19	.	.	PUNCT
ijtc-1243	56	1	convergent	convergent	ADJ
ijtc-1243	56	2	validity	validity	NOUN
ijtc-1243	56	3	is	be	AUX
ijtc-1243	56	4	twisted	twist	VERB
ijtc-1243	56	5	by	by	ADP
ijtc-1243	56	6	looking	look	VERB
ijtc-1243	56	7	at	at	ADP
ijtc-1243	56	8	the	the	DET
ijtc-1243	56	9	loading	loading	NOUN
ijtc-1243	56	10	factor	factor	NOUN
ijtc-1243	56	11	value	value	NOUN
ijtc-1243	56	12	and	and	CCONJ
ijtc-1243	56	13	average	average	ADJ
ijtc-1243	56	14	variance	variance	NOUN
ijtc-1243	56	15	extracted	extract	VERB
ijtc-1243	56	16	(	(	PUNCT
ijtc-1243	56	17	avei	avei	NOUN
ijtc-1243	56	18	)	)	PUNCT
ijtc-1243	56	19	for	for	ADP
ijtc-1243	56	20	each	each	DET
ijtc-1243	56	21	variable	variable	NOUN
ijtc-1243	56	22	.	.	PUNCT
ijtc-1243	57	1	the	the	DET
ijtc-1243	57	2	loading	loading	NOUN
ijtc-1243	57	3	factor	factor	NOUN
ijtc-1243	57	4	value	value	NOUN
ijtc-1243	57	5	must	must	AUX
ijtc-1243	57	6	be	be	AUX
ijtc-1243	57	7	more	more	ADJ
ijtc-1243	57	8	than	than	ADP
ijtc-1243	57	9	0.70	0.70	NUM
ijtc-1243	57	10	for	for	ADP
ijtc-1243	57	11	confirmatory	confirmatory	NOUN
ijtc-1243	57	12	research	research	NOUN
ijtc-1243	57	13	and	and	CCONJ
ijtc-1243	57	14	more	more	ADJ
ijtc-1243	57	15	than	than	ADP
ijtc-1243	57	16	0.60	0.60	NUM
ijtc-1243	57	17	for	for	ADP
ijtc-1243	57	18	exploratory	exploratory	ADJ
ijtc-1243	57	19	research	research	NOUN
ijtc-1243	57	20	.	.	PUNCT
ijtc-1243	58	1	the	the	DET
ijtc-1243	58	2	vei	vei	NOUN
ijtc-1243	58	3	should	should	AUX
ijtc-1243	58	4	also	also	ADV
ijtc-1243	58	5	be	be	AUX
ijtc-1243	58	6	more	more	ADJ
ijtc-1243	58	7	than	than	ADP
ijtc-1243	58	8	0.50	0.50	NUM
ijtc-1243	58	9	for	for	ADP
ijtc-1243	58	10	both	both	DET
ijtc-1243	58	11	types	type	NOUN
ijtc-1243	58	12	of	of	ADP
ijtc-1243	58	13	research	research	NOUN
ijtc-1243	58	14	.	.	PUNCT
ijtc-1243	59	1	discriminant	discriminant	ADJ
ijtc-1243	59	2	validity	validity	NOUN
ijtc-1243	59	3	is	be	AUX
ijtc-1243	59	4	twisted	twist	VERB
ijtc-1243	59	5	by	by	ADP
ijtc-1243	59	6	comparing	compare	VERB
ijtc-1243	59	7	the	the	DET
ijtc-1243	59	8	square	square	ADJ
ijtc-1243	59	9	root	root	NOUN
ijtc-1243	59	10	of	of	ADP
ijtc-1243	59	11	their	their	PRON
ijtc-1243	59	12	avei	avei	NOUN
ijtc-1243	59	13	with	with	ADP
ijtc-1243	59	14	their	their	PRON
ijtc-1243	59	15	correlation	correlation	NOUN
ijtc-1243	59	16	between	between	ADP
ijtc-1243	59	17	latent	latent	NOUN
ijtc-1243	59	18	constructs	construct	NOUN
ijtc-1243	59	19	,	,	PUNCT
ijtc-1243	59	20	where	where	SCONJ
ijtc-1243	59	21	the	the	DET
ijtc-1243	59	22	square	square	ADJ
ijtc-1243	59	23	root	root	NOUN
ijtc-1243	59	24	of	of	ADP
ijtc-1243	59	25	their	their	PRON
ijtc-1243	59	26	avei	avei	NOUN
ijtc-1243	59	27	must	must	AUX
ijtc-1243	59	28	be	be	AUX
ijtc-1243	59	29	greater	great	ADJ
ijtc-1243	59	30	than	than	ADP
ijtc-1243	59	31	their	their	PRON
ijtc-1243	59	32	correlation	correlation	NOUN
ijtc-1243	59	33	between	between	ADP
ijtc-1243	59	34	latent	latent	NOUN
ijtc-1243	59	35	constructs	construct	NOUN
ijtc-1243	59	36	.	.	PUNCT
ijtc-1243	60	1	structural	structural	ADJ
ijtc-1243	60	2	model	model	NOUN
ijtc-1243	60	3	(	(	PUNCT
ijtc-1243	60	4	inner	inner	ADJ
ijtc-1243	60	5	model	model	NOUN
ijtc-1243	60	6	)	)	PUNCT
ijtc-1243	60	7	inner	inner	ADJ
ijtc-1243	60	8	model	model	NOUN
ijtc-1243	60	9	analysis	analysis	NOUN
ijtc-1243	60	10	aims	aim	VERB
ijtc-1243	60	11	to	to	PART
ijtc-1243	60	12	predict	predict	VERB
ijtc-1243	60	13	their	their	PRON
ijtc-1243	60	14	relationship	relationship	NOUN
ijtc-1243	60	15	between	between	ADP
ijtc-1243	60	16	latent	latent	NOUN
ijtc-1243	60	17	variables	variable	NOUN
ijtc-1243	60	18	.	.	PUNCT
ijtc-1243	61	1	evaluation	evaluation	NOUN
ijtc-1243	61	2	of	of	ADP
ijtc-1243	61	3	their	their	PRON
ijtc-1243	61	4	structural	structural	ADJ
ijtc-1243	61	5	model	model	NOUN
ijtc-1243	61	6	is	be	AUX
ijtc-1243	61	7	done	do	VERB
ijtc-1243	61	8	by	by	ADP
ijtc-1243	61	9	looking	look	VERB
ijtc-1243	61	10	at	at	ADP
ijtc-1243	61	11	the	the	DET
ijtc-1243	61	12	r	r	NOUN
ijtc-1243	61	13	-	-	PUNCT
ijtc-1243	61	14	square	square	ADJ
ijtc-1243	61	15	value	value	NOUN
ijtc-1243	61	16	for	for	ADP
ijtc-1243	61	17	each	each	DET
ijtc-1243	61	18	endogenous	endogenous	ADJ
ijtc-1243	61	19	latent	latent	NOUN
ijtc-1243	61	20	variable	variable	NOUN
ijtc-1243	61	21	,	,	PUNCT
ijtc-1243	61	22	which	which	PRON
ijtc-1243	61	23	shows	show	VERB
ijtc-1243	61	24	the	the	DET
ijtc-1243	61	25	predictive	predictive	ADJ
ijtc-1243	61	26	power	power	NOUN
ijtc-1243	61	27	of	of	ADP
ijtc-1243	61	28	the	the	DET
ijtc-1243	61	29	structural	structural	ADJ
ijtc-1243	61	30	model	model	NOUN
ijtc-1243	61	31	.	.	PUNCT
ijtc-1243	62	1	an	an	DET
ijtc-1243	62	2	r	r	NOUN
ijtc-1243	62	3	-	-	PUNCT
ijtc-1243	62	4	squared	square	VERB
ijtc-1243	62	5	value	value	NOUN
ijtc-1243	62	6	of	of	ADP
ijtc-1243	62	7	0.67	0.67	NUM
ijtc-1243	62	8	indicates	indicate	VERB
ijtc-1243	62	9	strong	strong	ADJ
ijtc-1243	62	10	strength	strength	NOUN
ijtc-1243	62	11	,	,	PUNCT
ijtc-1243	62	12	0.33	0.33	NUM
ijtc-1243	62	13	indicates	indicate	VERB
ijtc-1243	62	14	moderate	moderate	ADJ
ijtc-1243	62	15	strength	strength	NOUN
ijtc-1243	62	16	,	,	PUNCT
ijtc-1243	62	17	and	and	CCONJ
ijtc-1243	62	18	0.19	0.19	NUM
ijtc-1243	62	19	indicates	indicate	VERB
ijtc-1243	62	20	weak	weak	ADJ
ijtc-1243	62	21	strength	strength	NOUN
ijtc-1243	62	22	.	.	PUNCT
ijtc-1243	63	1	in	in	ADP
ijtc-1243	63	2	addition	addition	NOUN
ijtc-1243	63	3	,	,	PUNCT
ijtc-1243	63	4	the	the	DET
ijtc-1243	63	5	inner	inner	ADJ
ijtc-1243	63	6	model	model	NOUN
ijtc-1243	63	7	analysis	analysis	NOUN
ijtc-1243	63	8	also	also	ADV
ijtc-1243	63	9	involves	involve	VERB
ijtc-1243	63	10	measuring	measure	VERB
ijtc-1243	63	11	effect	effect	NOUN
ijtc-1243	63	12	size	size	NOUN
ijtc-1243	63	13	(	(	PUNCT
ijtc-1243	63	14	f²	f²	NOUN
ijtc-1243	63	15	)	)	PUNCT
ijtc-1243	63	16	and	and	CCONJ
ijtc-1243	63	17	predictive	predictive	ADJ
ijtc-1243	63	18	relevance	relevance	NOUN
ijtc-1243	63	19	(	(	PUNCT
ijtc-1243	63	20	q²	q²	PROPN
ijtc-1243	63	21	)	)	PUNCT
ijtc-1243	63	22	to	to	PART
ijtc-1243	63	23	assess	assess	VERB
ijtc-1243	63	24	the	the	DET
ijtc-1243	63	25	quality	quality	NOUN
ijtc-1243	63	26	of	of	ADP
ijtc-1243	63	27	the	the	DET
ijtc-1243	63	28	prediction	prediction	NOUN
ijtc-1243	63	29	model	model	NOUN
ijtc-1243	63	30	.	.	PUNCT
ijtc-1243	64	1	overall	overall	ADV
ijtc-1243	64	2	,	,	PUNCT
ijtc-1243	64	3	the	the	DET
ijtc-1243	64	4	research	research	NOUN
ijtc-1243	64	5	method	method	NOUN
ijtc-1243	64	6	was	be	AUX
ijtc-1243	64	7	carefully	carefully	ADV
ijtc-1243	64	8	designed	design	VERB
ijtc-1243	64	9	to	to	PART
ijtc-1243	64	10	ensure	ensure	VERB
ijtc-1243	64	11	the	the	DET
ijtc-1243	64	12	validity	validity	NOUN
ijtc-1243	64	13	and	and	CCONJ
ijtc-1243	64	14	reliability	reliability	NOUN
ijtc-1243	64	15	of	of	ADP
ijtc-1243	64	16	the	the	DET
ijtc-1243	64	17	research	research	NOUN
ijtc-1243	64	18	results	result	NOUN
ijtc-1243	64	19	.	.	PUNCT
ijtc-1243	65	1	the	the	DET
ijtc-1243	65	2	use	use	NOUN
ijtc-1243	65	3	of	of	ADP
ijtc-1243	65	4	pls	pls	NOUN
ijtc-1243	65	5	methods	method	NOUN
ijtc-1243	65	6	and	and	CCONJ
ijtc-1243	65	7	appropriate	appropriate	ADJ
ijtc-1243	65	8	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	ADJ
ijtc-1243	65	9	qris	qris	NOUN
ijtc-1243	65	10	:	:	PUNCT
ijtc-1243	65	11	awareness	awareness	NOUN
ijtc-1243	65	12	and	and	CCONJ
ijtc-1243	65	13	understanding	understand	VERB
ijtc-1243	65	14	the	the	DET
ijtc-1243	65	15	key	key	ADJ
ijtc-1243	65	16	drivers	driver	NOUN
ijtc-1243	65	17	yuniarti	yuniarti	VERB
ijtc-1243	65	18	,	,	PUNCT
ijtc-1243	65	19	septiani	septiani	NOUN
ijtc-1243	65	20	,	,	PUNCT
ijtc-1243	65	21	rusmianto	rusmianto	PROPN
ijtc-1243	65	22	.	.	PROPN
ijtc-1243	65	23	,	,	PUNCT
ijtc-1243	65	24	wijaya	wijaya	PROPN
ijtc-1243	65	25	,	,	PUNCT
ijtc-1243	65	26	and	and	CCONJ
ijtc-1243	65	27	kurniawan	kurniawan	VERB
ijtc-1243	65	28	4	4	NUM
ijtc-1243	65	29	|	|	ADV
ijtc-1243	65	30	ilomata	ilomata	VERB
ijtc-1243	65	31	international	international	ADJ
ijtc-1243	65	32	journal	journal	NOUN
ijtc-1243	65	33	of	of	ADP
ijtc-1243	65	34	tax	tax	PROPN
ijtc-1243	65	35	&	&	CCONJ
ijtc-1243	65	36	accounting	account	VERB
ijtc-1243	65	37	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	65	38	sampling	sample	VERB
ijtc-1243	65	39	techniques	technique	NOUN
ijtc-1243	65	40	is	be	AUX
ijtc-1243	65	41	expected	expect	VERB
ijtc-1243	65	42	to	to	PART
ijtc-1243	65	43	provide	provide	VERB
ijtc-1243	65	44	an	an	DET
ijtc-1243	65	45	accurate	accurate	ADJ
ijtc-1243	65	46	picture	picture	NOUN
ijtc-1243	65	47	of	of	ADP
ijtc-1243	65	48	the	the	DET
ijtc-1243	65	49	perceptions	perception	NOUN
ijtc-1243	65	50	of	of	ADP
ijtc-1243	65	51	accounting	accounting	NOUN
ijtc-1243	65	52	lecturers	lecturer	NOUN
ijtc-1243	65	53	in	in	ADP
ijtc-1243	65	54	bandar	bandar	PROPN
ijtc-1243	65	55	lampung	lampung	PROPN
ijtc-1243	65	56	towards	towards	ADP
ijtc-1243	65	57	the	the	DET
ijtc-1243	65	58	use	use	NOUN
ijtc-1243	65	59	of	of	ADP
ijtc-1243	65	60	qris	qris	ADJ
ijtc-1243	65	61	financial	financial	ADJ
ijtc-1243	65	62	technology	technology	NOUN
ijtc-1243	65	63	.	.	PUNCT
ijtc-1243	66	1	result	result	NOUN
ijtc-1243	66	2	and	and	CCONJ
ijtc-1243	66	3	discussion	discussion	NOUN
ijtc-1243	66	4	validity	validity	NOUN
ijtc-1243	66	5	teist	teist	NOUN
ijtc-1243	66	6	there	there	PRON
ijtc-1243	66	7	are	be	VERB
ijtc-1243	66	8	2	2	NUM
ijtc-1243	66	9	validity	validity	NOUN
ijtc-1243	66	10	tests	test	NOUN
ijtc-1243	66	11	in	in	ADP
ijtc-1243	66	12	pls	pls	NOUN
ijtc-1243	66	13	-	-	PUNCT
ijtc-1243	66	14	sem	sem	NOUN
ijtc-1243	66	15	,	,	PUNCT
ijtc-1243	66	16	namely	namely	ADV
ijtc-1243	66	17	convergent	convergent	ADJ
ijtc-1243	66	18	validity	validity	NOUN
ijtc-1243	66	19	and	and	CCONJ
ijtc-1243	66	20	discriminant	discriminant	ADJ
ijtc-1243	66	21	validity	validity	NOUN
ijtc-1243	66	22	which	which	PRON
ijtc-1243	66	23	are	be	AUX
ijtc-1243	66	24	seen	see	VERB
ijtc-1243	66	25	based	base	VERB
ijtc-1243	66	26	on	on	ADP
ijtc-1243	66	27	the	the	DET
ijtc-1243	66	28	value	value	NOUN
ijtc-1243	66	29	of	of	ADP
ijtc-1243	66	30	loading	loading	NOUN
ijtc-1243	66	31	factor	factor	NOUN
ijtc-1243	66	32	,	,	PUNCT
ijtc-1243	66	33	average	average	ADJ
ijtc-1243	66	34	variance	variance	NOUN
ijtc-1243	66	35	extracted	extract	VERB
ijtc-1243	66	36	(	(	PUNCT
ijtc-1243	66	37	avei	avei	NOUN
ijtc-1243	66	38	)	)	PUNCT
ijtc-1243	66	39	values	value	NOUN
ijtc-1243	66	40	and	and	CCONJ
ijtc-1243	66	41	cross	cross	NOUN
ijtc-1243	66	42	loading	loading	NOUN
ijtc-1243	66	43	value	value	NOUN
ijtc-1243	66	44	(	(	PUNCT
ijtc-1243	66	45	abdillah	abdillah	PROPN
ijtc-1243	66	46	&	&	CCONJ
ijtc-1243	66	47	hartono	hartono	PROPN
ijtc-1243	66	48	,	,	PUNCT
ijtc-1243	66	49	2015	2015	NUM
ijtc-1243	66	50	)	)	PUNCT
ijtc-1243	66	51	.	.	PUNCT
ijtc-1243	67	1	validity	validity	NOUN
ijtc-1243	67	2	convergent	convergent	NOUN
ijtc-1243	67	3	loading	loading	NOUN
ijtc-1243	67	4	factor	factor	NOUN
ijtc-1243	67	5	convergent	convergent	NOUN
ijtc-1243	67	6	validity	validity	NOUN
ijtc-1243	67	7	has	have	VERB
ijtc-1243	67	8	2	2	NUM
ijtc-1243	67	9	test	test	NOUN
ijtc-1243	67	10	criteria	criterion	NOUN
ijtc-1243	67	11	,	,	PUNCT
ijtc-1243	67	12	namely	namely	ADV
ijtc-1243	67	13	looking	look	VERB
ijtc-1243	67	14	at	at	ADP
ijtc-1243	67	15	the	the	DET
ijtc-1243	67	16	loading	loading	NOUN
ijtc-1243	67	17	factor	factor	NOUN
ijtc-1243	67	18	value	value	NOUN
ijtc-1243	67	19	and	and	CCONJ
ijtc-1243	67	20	the	the	DET
ijtc-1243	67	21	average	average	ADJ
ijtc-1243	67	22	variance	variance	NOUN
ijtc-1243	67	23	extracted	extract	VERB
ijtc-1243	67	24	(	(	PUNCT
ijtc-1243	67	25	avei	avei	NOUN
ijtc-1243	67	26	)	)	PUNCT
ijtc-1243	67	27	value	value	NOUN
ijtc-1243	67	28	.	.	PUNCT
ijtc-1243	68	1	question	question	NOUN
ijtc-1243	68	2	items	item	NOUN
ijtc-1243	68	3	are	be	AUX
ijtc-1243	68	4	considered	consider	VERB
ijtc-1243	68	5	to	to	PART
ijtc-1243	68	6	have	have	AUX
ijtc-1243	68	7	passed	pass	VERB
ijtc-1243	68	8	the	the	DET
ijtc-1243	68	9	convergent	convergent	NOUN
ijtc-1243	68	10	validity	validity	NOUN
ijtc-1243	68	11	test	test	NOUN
ijtc-1243	68	12	if	if	SCONJ
ijtc-1243	68	13	the	the	DET
ijtc-1243	68	14	loading	loading	NOUN
ijtc-1243	68	15	factor	factor	NOUN
ijtc-1243	68	16	value	value	NOUN
ijtc-1243	68	17	must	must	AUX
ijtc-1243	68	18	be	be	AUX
ijtc-1243	68	19	greater	great	ADJ
ijtc-1243	68	20	than	than	ADP
ijtc-1243	68	21	0.70	0.70	NUM
ijtc-1243	68	22	and	and	CCONJ
ijtc-1243	68	23	the	the	DET
ijtc-1243	68	24	average	average	ADJ
ijtc-1243	68	25	variance	variance	NOUN
ijtc-1243	68	26	extracted	extract	VERB
ijtc-1243	68	27	(	(	PUNCT
ijtc-1243	68	28	avei	avei	NOUN
ijtc-1243	68	29	)	)	PUNCT
ijtc-1243	68	30	value	value	NOUN
ijtc-1243	68	31	must	must	AUX
ijtc-1243	68	32	be	be	AUX
ijtc-1243	68	33	greater	great	ADJ
ijtc-1243	68	34	than	than	ADP
ijtc-1243	68	35	0.50	0.50	NUM
ijtc-1243	68	36	(	(	PUNCT
ijtc-1243	68	37	irwandi	irwandi	PROPN
ijtc-1243	68	38	&	&	CCONJ
ijtc-1243	68	39	yuniarti	yuniarti	PROPN
ijtc-1243	68	40	,	,	PUNCT
ijtc-1243	68	41	2023	2023	NUM
ijtc-1243	68	42	)	)	PUNCT
ijtc-1243	68	43	.	.	PUNCT
ijtc-1243	69	1	the	the	DET
ijtc-1243	69	2	results	result	NOUN
ijtc-1243	69	3	of	of	ADP
ijtc-1243	69	4	the	the	DET
ijtc-1243	69	5	loading	loading	NOUN
ijtc-1243	69	6	factor	factor	NOUN
ijtc-1243	69	7	in	in	ADP
ijtc-1243	69	8	this	this	DET
ijtc-1243	69	9	study	study	NOUN
ijtc-1243	69	10	area	area	NOUN
ijtc-1243	69	11	in	in	ADP
ijtc-1243	69	12	table	table	NOUN
ijtc-1243	69	13	1	1	NUM
ijtc-1243	69	14	.	.	PUNCT
ijtc-1243	69	15	table	table	NOUN
ijtc-1243	69	16	1	1	NUM
ijtc-1243	69	17	.	.	PUNCT
ijtc-1243	69	18	hasil	hasil	PROPN
ijtc-1243	69	19	uji	uji	PROPN
ijtc-1243	69	20	validity	validity	NOUN
ijtc-1243	69	21	convergent	convergent	NOUN
ijtc-1243	69	22	loading	loading	NOUN
ijtc-1243	69	23	factor	factor	NOUN
ijtc-1243	69	24	variable	variable	ADJ
ijtc-1243	69	25	indicator	indicator	NOUN
ijtc-1243	69	26	loading	loading	NOUN
ijtc-1243	69	27	factor	factor	NOUN
ijtc-1243	69	28	p	p	NOUN
ijtc-1243	69	29	-	-	PUNCT
ijtc-1243	69	30	value	value	NOUN
ijtc-1243	69	31	information	information	NOUN
ijtc-1243	69	32	perception	perception	NOUN
ijtc-1243	69	33	of	of	ADP
ijtc-1243	69	34	promotional	promotional	ADJ
ijtc-1243	69	35	appeal	appeal	NOUN
ijtc-1243	69	36	x1_1	x1_1	NUM
ijtc-1243	69	37	0.802	0.802	NUM
ijtc-1243	69	38	<	<	X
ijtc-1243	69	39	0.001	0.001	NUM
ijtc-1243	69	40	valid	valid	ADJ
ijtc-1243	69	41	x1_2	x1_2	NOUN
ijtc-1243	69	42	0.822	0.822	NUM
ijtc-1243	69	43	<	<	X
ijtc-1243	69	44	0.001	0.001	NUM
ijtc-1243	69	45	valid	valid	NOUN
ijtc-1243	69	46	x1_3	x1_3	ADP
ijtc-1243	69	47	0.782	0.782	NUM
ijtc-1243	69	48	<	<	NOUN
ijtc-1243	69	49	0.001	0.001	NUM
ijtc-1243	69	50	valid	valid	ADJ
ijtc-1243	69	51	x1_4	x1_4	NOUN
ijtc-1243	69	52	0.750	0.750	NUM
ijtc-1243	69	53	<	<	NOUN
ijtc-1243	69	54	0.001	0.001	NUM
ijtc-1243	69	55	valid	valid	ADJ
ijtc-1243	69	56	x1_5	x1_5	NOUN
ijtc-1243	69	57	0.818	0.818	NUM
ijtc-1243	69	58	<	<	NOUN
ijtc-1243	69	59	0.001	0.001	NUM
ijtc-1243	69	60	valid	valid	ADJ
ijtc-1243	69	61	perception	perception	NOUN
ijtc-1243	69	62	ease	ease	NOUN
ijtc-1243	69	63	of	of	ADP
ijtc-1243	69	64	use	use	NOUN
ijtc-1243	69	65	x2_1	x2_1	X
ijtc-1243	69	66	0.861	0.861	NUM
ijtc-1243	69	67	<	<	NOUN
ijtc-1243	69	68	0.001	0.001	NUM
ijtc-1243	69	69	valid	valid	NOUN
ijtc-1243	69	70	x2_2	x2_2	NUM
ijtc-1243	69	71	0.812	0.812	NUM
ijtc-1243	69	72	<	<	NOUN
ijtc-1243	69	73	0.001	0.001	NUM
ijtc-1243	69	74	valid	valid	ADJ
ijtc-1243	69	75	x2_3	x2_3	NOUN
ijtc-1243	69	76	0.796	0.796	NUM
ijtc-1243	69	77	<	<	X
ijtc-1243	69	78	0.001	0.001	NUM
ijtc-1243	69	79	valid	valid	ADJ
ijtc-1243	69	80	x2_4	x2_4	PROPN
ijtc-1243	69	81	0.841	0.841	NUM
ijtc-1243	69	82	<	<	X
ijtc-1243	69	83	0.001	0.001	NUM
ijtc-1243	69	84	valid	valid	ADJ
ijtc-1243	69	85	x2_5	x2_5	X
ijtc-1243	69	86	0.844	0.844	NUM
ijtc-1243	69	87	<	<	X
ijtc-1243	69	88	0.001	0.001	NUM
ijtc-1243	69	89	valid	valid	NOUN
ijtc-1243	69	90	x2_6	x2_6	X
ijtc-1243	69	91	0.850	0.850	NUM
ijtc-1243	69	92	<	<	NOUN
ijtc-1243	69	93	0.001	0.001	NUM
ijtc-1243	69	94	valid	valid	ADJ
ijtc-1243	69	95	perception	perception	NOUN
ijtc-1243	69	96	of	of	ADP
ijtc-1243	69	97	usage	usage	NOUN
ijtc-1243	69	98	risk	risk	NOUN
ijtc-1243	69	99	x3_1	x3_1	PUNCT
ijtc-1243	70	1	0.777	0.777	NUM
ijtc-1243	70	2	<	<	X
ijtc-1243	70	3	0.001	0.001	NUM
ijtc-1243	70	4	valid	valid	ADJ
ijtc-1243	70	5	x3_2	x3_2	NOUN
ijtc-1243	70	6	0.771	0.771	NUM
ijtc-1243	70	7	<	<	NOUN
ijtc-1243	70	8	0.001	0.001	NUM
ijtc-1243	70	9	valid	valid	NOUN
ijtc-1243	70	10	x3_3	x3_3	X
ijtc-1243	70	11	0.762	0.762	NUM
ijtc-1243	70	12	<	<	NOUN
ijtc-1243	70	13	0.001	0.001	NUM
ijtc-1243	70	14	valid	valid	ADJ
ijtc-1243	70	15	x3_4	x3_4	PROPN
ijtc-1243	70	16	0.778	0.778	NUM
ijtc-1243	70	17	<	<	X
ijtc-1243	70	18	0.001	0.001	NUM
ijtc-1243	70	19	valid	valid	NOUN
ijtc-1243	70	20	x3_5	x3_5	PRON
ijtc-1243	70	21	0.776	0.776	NUM
ijtc-1243	70	22	<	<	NOUN
ijtc-1243	70	23	0.001	0.001	NUM
ijtc-1243	70	24	valid	valid	ADJ
ijtc-1243	70	25	interest	interest	NOUN
ijtc-1243	70	26	in	in	ADP
ijtc-1243	70	27	using	use	VERB
ijtc-1243	70	28	financial	financial	ADJ
ijtc-1243	70	29	technology	technology	NOUN
ijtc-1243	70	30	qris	qris	ADP
ijtc-1243	70	31	y1_1	y1_1	PRON
ijtc-1243	70	32	0.905	0.905	NUM
ijtc-1243	70	33	<	<	X
ijtc-1243	70	34	0.001	0.001	NUM
ijtc-1243	70	35	valid	valid	ADJ
ijtc-1243	70	36	y1_2	y1_2	NOUN
ijtc-1243	70	37	0.951	0.951	DET
ijtc-1243	70	38	<	<	X
ijtc-1243	70	39	0.001	0.001	NUM
ijtc-1243	70	40	valid	valid	ADJ
ijtc-1243	70	41	y1_3	y1_3	NOUN
ijtc-1243	70	42	0.885	0.885	NUM
ijtc-1243	70	43	<	<	NOUN
ijtc-1243	70	44	0.001	0.001	NUM
ijtc-1243	70	45	valid	valid	ADJ
ijtc-1243	70	46	y1_4	y1_4	NOUN
ijtc-1243	70	47	0.708	0.708	NUM
ijtc-1243	70	48	<	<	NOUN
ijtc-1243	70	49	0.001	0.001	NUM
ijtc-1243	70	50	valid	valid	ADJ
ijtc-1243	70	51	y1_5	y1_5	NOUN
ijtc-1243	70	52	0.776	0.776	NUM
ijtc-1243	70	53	<	<	NOUN
ijtc-1243	70	54	0.001	0.001	NUM
ijtc-1243	70	55	valid	valid	ADJ
ijtc-1243	70	56	y1_6	y1_6	NOUN
ijtc-1243	70	57	0.844	0.844	NUM
ijtc-1243	70	58	<	<	NOUN
ijtc-1243	70	59	0.001	0.001	NUM
ijtc-1243	70	60	valid	valid	ADJ
ijtc-1243	70	61	y1_7	y1_7	NOUN
ijtc-1243	70	62	0.862	0.862	NUM
ijtc-1243	70	63	<	<	SYM
ijtc-1243	70	64	0.001	0.001	NUM
ijtc-1243	70	65	valid	valid	ADJ
ijtc-1243	70	66	source	source	NOUN
ijtc-1243	70	67	:	:	PUNCT
ijtc-1243	70	68	smartpls	smartpls	PROPN
ijtc-1243	70	69	data	datum	NOUN
ijtc-1243	70	70	processing	processing	NOUN
ijtc-1243	70	71	,	,	PUNCT
ijtc-1243	70	72	2024	2024	NUM
ijtc-1243	70	73	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	70	74	qris	qris	NOUN
ijtc-1243	70	75	:	:	PUNCT
ijtc-1243	70	76	awareness	awareness	NOUN
ijtc-1243	70	77	and	and	CCONJ
ijtc-1243	70	78	understanding	understand	VERB
ijtc-1243	70	79	the	the	DET
ijtc-1243	70	80	key	key	ADJ
ijtc-1243	70	81	drivers	driver	NOUN
ijtc-1243	70	82	yuniarti	yuniarti	VERB
ijtc-1243	70	83	,	,	PUNCT
ijtc-1243	70	84	septiani	septiani	NOUN
ijtc-1243	70	85	,	,	PUNCT
ijtc-1243	70	86	rusmianto	rusmianto	PROPN
ijtc-1243	70	87	.	.	PROPN
ijtc-1243	70	88	,	,	PUNCT
ijtc-1243	70	89	wijaya	wijaya	PROPN
ijtc-1243	70	90	,	,	PUNCT
ijtc-1243	70	91	and	and	CCONJ
ijtc-1243	70	92	kurniawan	kurniawan	X
ijtc-1243	70	93	5	5	NUM
ijtc-1243	70	94	|	|	ADV
ijtc-1243	70	95	ilomata	ilomata	PROPN
ijtc-1243	70	96	international	international	ADJ
ijtc-1243	70	97	journal	journal	NOUN
ijtc-1243	70	98	of	of	ADP
ijtc-1243	70	99	tax	tax	PROPN
ijtc-1243	70	100	&	&	CCONJ
ijtc-1243	70	101	accounting	account	VERB
ijtc-1243	70	102	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	70	103	based	base	VERB
ijtc-1243	70	104	on	on	ADP
ijtc-1243	70	105	table	table	NOUN
ijtc-1243	70	106	2	2	NUM
ijtc-1243	70	107	.	.	PUNCT
ijtc-1243	71	1	each	each	DET
ijtc-1243	71	2	question	question	NOUN
ijtc-1243	71	3	of	of	ADP
ijtc-1243	71	4	the	the	DET
ijtc-1243	71	5	variables	variable	NOUN
ijtc-1243	71	6	of	of	ADP
ijtc-1243	71	7	perception	perception	NOUN
ijtc-1243	71	8	of	of	ADP
ijtc-1243	71	9	promotional	promotional	ADJ
ijtc-1243	71	10	attractiveness	attractiveness	NOUN
ijtc-1243	71	11	,	,	PUNCT
ijtc-1243	71	12	perception	perception	NOUN
ijtc-1243	71	13	of	of	ADP
ijtc-1243	71	14	ease	ease	NOUN
ijtc-1243	71	15	of	of	ADP
ijtc-1243	71	16	use	use	NOUN
ijtc-1243	71	17	and	and	CCONJ
ijtc-1243	71	18	perception	perception	NOUN
ijtc-1243	71	19	of	of	ADP
ijtc-1243	71	20	risk	risk	NOUN
ijtc-1243	71	21	of	of	ADP
ijtc-1243	71	22	use	use	NOUN
ijtc-1243	71	23	has	have	VERB
ijtc-1243	71	24	a	a	DET
ijtc-1243	71	25	valid	valid	ADJ
ijtc-1243	71	26	loading	loading	NOUN
ijtc-1243	71	27	factor	factor	NOUN
ijtc-1243	71	28	value	value	NOUN
ijtc-1243	71	29	.	.	PUNCT
ijtc-1243	72	1	this	this	PRON
ijtc-1243	72	2	is	be	AUX
ijtc-1243	72	3	due	due	ADJ
ijtc-1243	72	4	to	to	ADP
ijtc-1243	72	5	the	the	DET
ijtc-1243	72	6	fact	fact	NOUN
ijtc-1243	72	7	that	that	SCONJ
ijtc-1243	72	8	the	the	DET
ijtc-1243	72	9	loading	loading	NOUN
ijtc-1243	72	10	factor	factor	NOUN
ijtc-1243	72	11	value	value	NOUN
ijtc-1243	72	12	on	on	ADP
ijtc-1243	72	13	each	each	DET
ijtc-1243	72	14	question	question	NOUN
ijtc-1243	72	15	item	item	NOUN
ijtc-1243	72	16	has	have	AUX
ijtc-1243	72	17	a	a	DET
ijtc-1243	72	18	value	value	NOUN
ijtc-1243	72	19	of	of	ADP
ijtc-1243	72	20	more	more	ADJ
ijtc-1243	72	21	than	than	ADP
ijtc-1243	72	22	0.70	0.70	NUM
ijtc-1243	72	23	.	.	PUNCT
ijtc-1243	73	1	validity	validity	NOUN
ijtc-1243	73	2	convergent	convergent	NOUN
ijtc-1243	73	3	average	average	ADJ
ijtc-1243	73	4	variance	variance	NOUN
ijtc-1243	73	5	extracted	extract	VERB
ijtc-1243	73	6	(	(	PUNCT
ijtc-1243	73	7	avei	avei	NOUN
ijtc-1243	73	8	)	)	PUNCT
ijtc-1243	73	9	table	table	NOUN
ijtc-1243	73	10	2	2	NUM
ijtc-1243	73	11	.	.	PUNCT
ijtc-1243	73	12	hasil	hasil	PROPN
ijtc-1243	73	13	uji	uji	PROPN
ijtc-1243	73	14	validity	validity	NOUN
ijtc-1243	73	15	convergent	convergent	NOUN
ijtc-1243	73	16	average	average	ADJ
ijtc-1243	73	17	variance	variance	NOUN
ijtc-1243	73	18	extracted	extract	VERB
ijtc-1243	73	19	variable	variable	ADJ
ijtc-1243	73	20	ave	ave	PROPN
ijtc-1243	73	21	information	information	NOUN
ijtc-1243	73	22	perception	perception	NOUN
ijtc-1243	73	23	of	of	ADP
ijtc-1243	73	24	promotional	promotional	ADJ
ijtc-1243	73	25	appeal	appeal	NOUN
ijtc-1243	73	26	0.633	0.633	NUM
ijtc-1243	73	27	valid	valid	ADJ
ijtc-1243	73	28	perception	perception	NOUN
ijtc-1243	73	29	of	of	ADP
ijtc-1243	73	30	ease	ease	NOUN
ijtc-1243	73	31	of	of	ADP
ijtc-1243	73	32	use	use	NOUN
ijtc-1243	73	33	0.696	0.696	NUM
ijtc-1243	73	34	valid	valid	ADJ
ijtc-1243	73	35	perception	perception	NOUN
ijtc-1243	73	36	of	of	ADP
ijtc-1243	73	37	usage	usage	NOUN
ijtc-1243	73	38	risk	risk	NOUN
ijtc-1243	73	39	0.597	0.597	NUM
ijtc-1243	73	40	valid	valid	ADJ
ijtc-1243	73	41	interest	interest	NOUN
ijtc-1243	73	42	in	in	ADP
ijtc-1243	73	43	using	use	VERB
ijtc-1243	73	44	financial	financial	ADJ
ijtc-1243	73	45	technology	technology	NOUN
ijtc-1243	73	46	qris	qris	NOUN
ijtc-1243	73	47	0.724	0.724	NUM
ijtc-1243	73	48	valid	valid	ADJ
ijtc-1243	73	49	source	source	NOUN
ijtc-1243	73	50	:	:	PUNCT
ijtc-1243	73	51	smartpls	smartpls	PROPN
ijtc-1243	73	52	data	datum	NOUN
ijtc-1243	73	53	processing	processing	NOUN
ijtc-1243	73	54	,	,	PUNCT
ijtc-1243	73	55	2024	2024	NUM
ijtc-1243	73	56	based	base	VERB
ijtc-1243	73	57	on	on	ADP
ijtc-1243	73	58	the	the	DET
ijtc-1243	73	59	table	table	NOUN
ijtc-1243	73	60	above	above	ADV
ijtc-1243	73	61	,	,	PUNCT
ijtc-1243	73	62	it	it	PRON
ijtc-1243	73	63	can	can	AUX
ijtc-1243	73	64	be	be	AUX
ijtc-1243	73	65	concluded	conclude	VERB
ijtc-1243	73	66	that	that	SCONJ
ijtc-1243	73	67	all	all	DET
ijtc-1243	73	68	variables	variable	NOUN
ijtc-1243	73	69	in	in	ADP
ijtc-1243	73	70	this	this	DET
ijtc-1243	73	71	study	study	NOUN
ijtc-1243	73	72	have	have	VERB
ijtc-1243	73	73	avei	avei	NOUN
ijtc-1243	73	74	values	value	NOUN
ijtc-1243	73	75	of	of	ADP
ijtc-1243	73	76	more	more	ADJ
ijtc-1243	73	77	than	than	ADP
ijtc-1243	73	78	0.50	0.50	NUM
ijtc-1243	73	79	(	(	PUNCT
ijtc-1243	73	80	yuniarti	yuniarti	NOUN
ijtc-1243	73	81	et	et	PROPN
ijtc-1243	73	82	al	al	PROPN
ijtc-1243	73	83	.	.	PROPN
ijtc-1243	73	84	,	,	PUNCT
ijtc-1243	73	85	2023	2023	NUM
ijtc-1243	73	86	)	)	PUNCT
ijtc-1243	73	87	.	.	PUNCT
ijtc-1243	74	1	discriminant	discriminant	PROPN
ijtc-1243	74	2	validity	validity	PROPN
ijtc-1243	74	3	cross	cross	NOUN
ijtc-1243	74	4	loading	loading	NOUN
ijtc-1243	74	5	discriminant	discriminant	ADJ
ijtc-1243	74	6	validity	validity	NOUN
ijtc-1243	74	7	is	be	AUX
ijtc-1243	74	8	used	use	VERB
ijtc-1243	74	9	to	to	PART
ijtc-1243	74	10	ensure	ensure	VERB
ijtc-1243	74	11	that	that	SCONJ
ijtc-1243	74	12	each	each	DET
ijtc-1243	74	13	latent	latent	NOUN
ijtc-1243	74	14	variable	variable	NOUN
ijtc-1243	74	15	or	or	CCONJ
ijtc-1243	74	16	indicator	indicator	NOUN
ijtc-1243	74	17	in	in	ADP
ijtc-1243	74	18	the	the	DET
ijtc-1243	74	19	study	study	NOUN
ijtc-1243	74	20	has	have	VERB
ijtc-1243	74	21	a	a	DET
ijtc-1243	74	22	unique	unique	ADJ
ijtc-1243	74	23	value	value	NOUN
ijtc-1243	74	24	and	and	CCONJ
ijtc-1243	74	25	is	be	AUX
ijtc-1243	74	26	not	not	PART
ijtc-1243	74	27	intertwined	intertwine	VERB
ijtc-1243	74	28	with	with	ADP
ijtc-1243	74	29	other	other	ADJ
ijtc-1243	74	30	variables	variable	NOUN
ijtc-1243	74	31	or	or	CCONJ
ijtc-1243	74	32	indicators	indicator	NOUN
ijtc-1243	74	33	.	.	PUNCT
ijtc-1243	75	1	the	the	DET
ijtc-1243	75	2	model	model	NOUN
ijtc-1243	75	3	is	be	AUX
ijtc-1243	75	4	considered	consider	VERB
ijtc-1243	75	5	good	good	ADJ
ijtc-1243	75	6	if	if	SCONJ
ijtc-1243	75	7	the	the	DET
ijtc-1243	75	8	loading	loading	NOUN
ijtc-1243	75	9	factor	factor	NOUN
ijtc-1243	75	10	value	value	NOUN
ijtc-1243	75	11	is	be	AUX
ijtc-1243	75	12	the	the	DET
ijtc-1243	75	13	largest	large	ADJ
ijtc-1243	75	14	compared	compare	VERB
ijtc-1243	75	15	to	to	ADP
ijtc-1243	75	16	the	the	DET
ijtc-1243	75	17	cross	cross	NOUN
ijtc-1243	75	18	loading	loading	NOUN
ijtc-1243	75	19	value	value	NOUN
ijtc-1243	75	20	for	for	ADP
ijtc-1243	75	21	each	each	DET
ijtc-1243	75	22	variable	variable	NOUN
ijtc-1243	75	23	.	.	PUNCT
ijtc-1243	76	1	table	table	NOUN
ijtc-1243	76	2	3	3	NUM
ijtc-1243	76	3	.	.	PUNCT
ijtc-1243	77	1	hasil	hasil	PROPN
ijtc-1243	77	2	uji	uji	PROPN
ijtc-1243	77	3	discriminant	discriminant	NOUN
ijtc-1243	77	4	validity	validity	NOUN
ijtc-1243	77	5	cross	cross	NOUN
ijtc-1243	77	6	loading	load	VERB
ijtc-1243	78	1	x1	x1	PROPN
ijtc-1243	79	1	x2	x2	PROPN
ijtc-1243	79	2	x3	x3	ADJ
ijtc-1243	79	3	and	and	CCONJ
ijtc-1243	79	4	x1_1	x1_1	NOUN
ijtc-1243	80	1	0.802	0.802	NUM
ijtc-1243	80	2	0.150	0.150	NUM
ijtc-1243	80	3	0.097	0.097	NUM
ijtc-1243	80	4	0.161	0.161	NUM
ijtc-1243	80	5	x1_2	x1_2	NOUN
ijtc-1243	80	6	0.822	0.822	NUM
ijtc-1243	80	7	0.145	0.145	NUM
ijtc-1243	80	8	0.115	0.115	NUM
ijtc-1243	80	9	0.200	0.200	NUM
ijtc-1243	80	10	x1_3	x1_3	ADP
ijtc-1243	80	11	0.782	0.782	NUM
ijtc-1243	80	12	0.264	0.264	NUM
ijtc-1243	80	13	0.224	0.224	NUM
ijtc-1243	80	14	0.073	0.073	NUM
ijtc-1243	80	15	x1_4	x1_4	NOUN
ijtc-1243	80	16	0.750	0.750	NUM
ijtc-1243	80	17	0.145	0.145	NUM
ijtc-1243	80	18	0.286	0.286	NUM
ijtc-1243	80	19	0.083	0.083	NUM
ijtc-1243	80	20	x1_5	x1_5	X
ijtc-1243	80	21	0.818	0.818	NUM
ijtc-1243	80	22	0.309	0.309	NUM
ijtc-1243	80	23	0.246	0.246	NUM
ijtc-1243	80	24	0.261	0.261	NUM
ijtc-1243	80	25	x2_1	x2_1	NUM
ijtc-1243	80	26	0.157	0.157	NUM
ijtc-1243	80	27	0.861	0.861	NUM
ijtc-1243	80	28	0.373	0.373	NUM
ijtc-1243	80	29	0.109	0.109	NUM
ijtc-1243	80	30	x2_2	x2_2	PROPN
ijtc-1243	80	31	0.299	0.299	NUM
ijtc-1243	80	32	0.812	0.812	NUM
ijtc-1243	80	33	0.406	0.406	NUM
ijtc-1243	80	34	0.176	0.176	NUM
ijtc-1243	80	35	x2_3	x2_3	NUM
ijtc-1243	80	36	0.295	0.295	NUM
ijtc-1243	80	37	0.796	0.796	NUM
ijtc-1243	80	38	0.253	0.253	NUM
ijtc-1243	80	39	0.133	0.133	NUM
ijtc-1243	80	40	x2_4	x2_4	NUM
ijtc-1243	80	41	0.217	0.217	NUM
ijtc-1243	80	42	0.841	0.841	NUM
ijtc-1243	80	43	0.190	0.190	NUM
ijtc-1243	80	44	0.124	0.124	NUM
ijtc-1243	80	45	x2_5	x2_5	NOUN
ijtc-1243	81	1	0.193	0.193	NUM
ijtc-1243	81	2	0.844	0.844	NUM
ijtc-1243	81	3	0.266	0.266	NUM
ijtc-1243	81	4	0.122	0.122	NUM
ijtc-1243	81	5	x2_6	x2_6	X
ijtc-1243	81	6	0.127	0.127	NUM
ijtc-1243	81	7	0.850	0.850	NUM
ijtc-1243	81	8	0.281	0.281	NUM
ijtc-1243	81	9	0.149	0.149	NUM
ijtc-1243	81	10	x3_1	x3_1	PUNCT
ijtc-1243	81	11	0.154	0.154	NUM
ijtc-1243	81	12	0.152	0.152	NUM
ijtc-1243	81	13	0.777	0.777	NUM
ijtc-1243	81	14	0.185	0.185	NUM
ijtc-1243	81	15	x3_2	x3_2	NOUN
ijtc-1243	81	16	0.231	0.231	NUM
ijtc-1243	81	17	0.345	0.345	NUM
ijtc-1243	81	18	0.771	0.771	NUM
ijtc-1243	81	19	0.212	0.212	NUM
ijtc-1243	81	20	x3_3	x3_3	ADP
ijtc-1243	82	1	0.201	0.201	NUM
ijtc-1243	82	2	0.392	0.392	NUM
ijtc-1243	82	3	0.762	0.762	NUM
ijtc-1243	82	4	0.089	0.089	NUM
ijtc-1243	82	5	x3_4	x3_4	NUM
ijtc-1243	82	6	0.081	0.081	NUM
ijtc-1243	82	7	0.231	0.231	NUM
ijtc-1243	82	8	0.778	0.778	NUM
ijtc-1243	82	9	0.176	0.176	NUM
ijtc-1243	82	10	x3_5	x3_5	NOUN
ijtc-1243	82	11	0.214	0.214	NUM
ijtc-1243	82	12	0.318	0.318	NUM
ijtc-1243	82	13	0.776	0.776	NUM
ijtc-1243	82	14	0.198	0.198	NUM
ijtc-1243	82	15	source	source	NOUN
ijtc-1243	82	16	:	:	PUNCT
ijtc-1243	82	17	smartpls	smartpls	PROPN
ijtc-1243	82	18	data	datum	NOUN
ijtc-1243	82	19	processing	processing	NOUN
ijtc-1243	82	20	,	,	PUNCT
ijtc-1243	82	21	2024	2024	NUM
ijtc-1243	82	22	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	82	23	qris	qris	NOUN
ijtc-1243	82	24	:	:	PUNCT
ijtc-1243	82	25	awareness	awareness	NOUN
ijtc-1243	82	26	and	and	CCONJ
ijtc-1243	82	27	understanding	understand	VERB
ijtc-1243	82	28	the	the	DET
ijtc-1243	82	29	key	key	ADJ
ijtc-1243	82	30	drivers	driver	NOUN
ijtc-1243	82	31	yuniarti	yuniarti	VERB
ijtc-1243	82	32	,	,	PUNCT
ijtc-1243	82	33	septiani	septiani	NOUN
ijtc-1243	82	34	,	,	PUNCT
ijtc-1243	82	35	rusmianto	rusmianto	PROPN
ijtc-1243	82	36	.	.	PROPN
ijtc-1243	82	37	,	,	PUNCT
ijtc-1243	82	38	wijaya	wijaya	PROPN
ijtc-1243	82	39	,	,	PUNCT
ijtc-1243	82	40	and	and	CCONJ
ijtc-1243	82	41	kurniawan	kurniawan	X
ijtc-1243	82	42	6	6	NUM
ijtc-1243	82	43	|	|	ADV
ijtc-1243	82	44	ilomata	ilomata	PROPN
ijtc-1243	82	45	international	international	ADJ
ijtc-1243	82	46	journal	journal	NOUN
ijtc-1243	82	47	of	of	ADP
ijtc-1243	82	48	tax	tax	PROPN
ijtc-1243	82	49	&	&	CCONJ
ijtc-1243	82	50	accounting	account	VERB
ijtc-1243	82	51	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	82	52	based	base	VERB
ijtc-1243	82	53	on	on	ADP
ijtc-1243	82	54	table	table	NOUN
ijtc-1243	82	55	3	3	NUM
ijtc-1243	82	56	.	.	PUNCT
ijtc-1243	83	1	the	the	DET
ijtc-1243	83	2	results	result	NOUN
ijtc-1243	83	3	show	show	VERB
ijtc-1243	83	4	that	that	SCONJ
ijtc-1243	83	5	the	the	DET
ijtc-1243	83	6	cross	cross	NOUN
ijtc-1243	83	7	loading	loading	NOUN
ijtc-1243	83	8	value	value	NOUN
ijtc-1243	83	9	can	can	AUX
ijtc-1243	83	10	be	be	AUX
ijtc-1243	83	11	concluded	conclude	VERB
ijtc-1243	83	12	that	that	SCONJ
ijtc-1243	83	13	there	there	PRON
ijtc-1243	83	14	is	be	VERB
ijtc-1243	83	15	no	no	DET
ijtc-1243	83	16	problem	problem	NOUN
ijtc-1243	83	17	with	with	ADP
ijtc-1243	83	18	the	the	DET
ijtc-1243	83	19	discriminant	discriminant	ADJ
ijtc-1243	83	20	validity	validity	NOUN
ijtc-1243	83	21	,	,	PUNCT
ijtc-1243	83	22	because	because	SCONJ
ijtc-1243	83	23	all	all	DET
ijtc-1243	83	24	indicators	indicator	NOUN
ijtc-1243	83	25	have	have	VERB
ijtc-1243	83	26	a	a	DET
ijtc-1243	83	27	greater	great	ADJ
ijtc-1243	83	28	correlation	correlation	NOUN
ijtc-1243	83	29	coefficient	coefficient	NOUN
ijtc-1243	83	30	with	with	ADP
ijtc-1243	83	31	their	their	PRON
ijtc-1243	83	32	latent	latent	NOUN
ijtc-1243	83	33	variables	variable	NOUN
ijtc-1243	83	34	.	.	PUNCT
ijtc-1243	84	1	reliability	reliability	NOUN
ijtc-1243	84	2	teist	teist	NOUN
ijtc-1243	84	3	reliability	reliability	NOUN
ijtc-1243	84	4	test	test	NOUN
ijtc-1243	84	5	has	have	VERB
ijtc-1243	84	6	the	the	DET
ijtc-1243	84	7	aim	aim	NOUN
ijtc-1243	84	8	of	of	ADP
ijtc-1243	84	9	making	make	VERB
ijtc-1243	84	10	the	the	DET
ijtc-1243	84	11	accuracy	accuracy	NOUN
ijtc-1243	84	12	of	of	ADP
ijtc-1243	84	13	the	the	DET
ijtc-1243	84	14	consistency	consistency	NOUN
ijtc-1243	84	15	of	of	ADP
ijtc-1243	84	16	the	the	DET
ijtc-1243	84	17	instrument	instrument	NOUN
ijtc-1243	84	18	to	to	PART
ijtc-1243	84	19	measure	measure	VERB
ijtc-1243	84	20	a	a	DET
ijtc-1243	84	21	construct	construct	NOUN
ijtc-1243	84	22	,	,	PUNCT
ijtc-1243	84	23	this	this	DET
ijtc-1243	84	24	test	test	NOUN
ijtc-1243	84	25	is	be	AUX
ijtc-1243	84	26	carried	carry	VERB
ijtc-1243	84	27	out	out	ADP
ijtc-1243	84	28	using	use	VERB
ijtc-1243	84	29	the	the	DET
ijtc-1243	84	30	composite	composite	ADJ
ijtc-1243	84	31	reliability	reliability	NOUN
ijtc-1243	84	32	value	value	NOUN
ijtc-1243	84	33	and	and	CCONJ
ijtc-1243	84	34	croncbach	croncbach	PROPN
ijtc-1243	84	35	alpha	alpha	PROPN
ijtc-1243	84	36	.	.	PUNCT
ijtc-1243	85	1	table	table	NOUN
ijtc-1243	85	2	4	4	NUM
ijtc-1243	85	3	.	.	PUNCT
ijtc-1243	85	4	reliability	reliability	NOUN
ijtc-1243	85	5	test	test	NOUN
ijtc-1243	85	6	results	result	VERB
ijtc-1243	85	7	variable	variable	ADJ
ijtc-1243	85	8	composite	composite	ADJ
ijtc-1243	85	9	reliability	reliability	NOUN
ijtc-1243	85	10	cronbach	cronbach	VERB
ijtc-1243	85	11	alpha	alpha	NOUN
ijtc-1243	85	12	information	information	NOUN
ijtc-1243	85	13	perception	perception	NOUN
ijtc-1243	85	14	of	of	ADP
ijtc-1243	85	15	promotional	promotional	ADJ
ijtc-1243	85	16	appeal	appeal	NOUN
ijtc-1243	85	17	0.896	0.896	NUM
ijtc-1243	85	18	0.864	0.864	NUM
ijtc-1243	85	19	reliable	reliable	ADJ
ijtc-1243	85	20	perception	perception	NOUN
ijtc-1243	85	21	of	of	ADP
ijtc-1243	85	22	ease	ease	NOUN
ijtc-1243	85	23	of	of	ADP
ijtc-1243	85	24	use	use	NOUN
ijtc-1243	85	25	0.932	0.932	NUM
ijtc-1243	85	26	0.913	0.913	NUM
ijtc-1243	85	27	reliable	reliable	ADJ
ijtc-1243	85	28	perception	perception	NOUN
ijtc-1243	85	29	of	of	ADP
ijtc-1243	85	30	usage	usage	NOUN
ijtc-1243	85	31	risk	risk	NOUN
ijtc-1243	85	32	0.881	0.881	NUM
ijtc-1243	85	33	0.836	0.836	NUM
ijtc-1243	85	34	reliable	reliable	ADJ
ijtc-1243	85	35	interest	interest	NOUN
ijtc-1243	85	36	in	in	ADP
ijtc-1243	85	37	using	use	VERB
ijtc-1243	85	38	financial	financial	ADJ
ijtc-1243	85	39	technology	technology	NOUN
ijtc-1243	85	40	qris	qris	NOUN
ijtc-1243	85	41	0.948	0.948	NUM
ijtc-1243	85	42	0.938	0.938	NUM
ijtc-1243	85	43	reliable	reliable	ADJ
ijtc-1243	85	44	source	source	NOUN
ijtc-1243	85	45	:	:	PUNCT
ijtc-1243	85	46	smartpls	smartpls	PROPN
ijtc-1243	85	47	data	datum	NOUN
ijtc-1243	85	48	processing	processing	NOUN
ijtc-1243	85	49	,	,	PUNCT
ijtc-1243	85	50	2024	2024	NUM
ijtc-1243	85	51	based	base	VERB
ijtc-1243	85	52	on	on	ADP
ijtc-1243	85	53	the	the	DET
ijtc-1243	85	54	table	table	NOUN
ijtc-1243	85	55	above	above	ADV
ijtc-1243	85	56	,	,	PUNCT
ijtc-1243	85	57	the	the	DET
ijtc-1243	85	58	reliability	reliability	NOUN
ijtc-1243	85	59	test	test	NOUN
ijtc-1243	85	60	results	result	NOUN
ijtc-1243	85	61	show	show	VERB
ijtc-1243	85	62	that	that	SCONJ
ijtc-1243	85	63	the	the	DET
ijtc-1243	85	64	cronbach	cronbach	NOUN
ijtc-1243	85	65	's	's	PART
ijtc-1243	85	66	alpha	alpha	NOUN
ijtc-1243	85	67	and	and	CCONJ
ijtc-1243	85	68	composite	composite	ADJ
ijtc-1243	85	69	reliability	reliability	NOUN
ijtc-1243	85	70	values	value	NOUN
ijtc-1243	85	71	for	for	ADP
ijtc-1243	85	72	all	all	DET
ijtc-1243	85	73	constructs	construct	NOUN
ijtc-1243	85	74	exceed	exceed	VERB
ijtc-1243	85	75	0.70	0.70	NUM
ijtc-1243	85	76	.	.	PUNCT
ijtc-1243	86	1	this	this	PRON
ijtc-1243	86	2	indicates	indicate	VERB
ijtc-1243	86	3	that	that	SCONJ
ijtc-1243	86	4	the	the	DET
ijtc-1243	86	5	constructs	construct	NOUN
ijtc-1243	86	6	have	have	AUX
ijtc-1243	86	7	meet	meet	VERB
ijtc-1243	86	8	the	the	DET
ijtc-1243	86	9	reliability	reliability	NOUN
ijtc-1243	86	10	criteria	criterion	NOUN
ijtc-1243	86	11	and	and	CCONJ
ijtc-1243	86	12	have	have	VERB
ijtc-1243	86	13	high	high	ADJ
ijtc-1243	86	14	reliability	reliability	NOUN
ijtc-1243	86	15	.	.	PUNCT
ijtc-1243	87	1	with	with	ADP
ijtc-1243	87	2	the	the	DET
ijtc-1243	87	3	previous	previous	ADJ
ijtc-1243	87	4	data	datum	NOUN
ijtc-1243	87	5	,	,	PUNCT
ijtc-1243	87	6	it	it	PRON
ijtc-1243	87	7	can	can	AUX
ijtc-1243	87	8	be	be	AUX
ijtc-1243	87	9	concluded	conclude	VERB
ijtc-1243	87	10	that	that	SCONJ
ijtc-1243	87	11	this	this	DET
ijtc-1243	87	12	study	study	NOUN
ijtc-1243	87	13	has	have	VERB
ijtc-1243	87	14	good	good	ADJ
ijtc-1243	87	15	convergent	convergent	NOUN
ijtc-1243	87	16	validity	validity	NOUN
ijtc-1243	87	17	,	,	PUNCT
ijtc-1243	87	18	discriminant	discriminant	ADJ
ijtc-1243	87	19	validity	validity	NOUN
ijtc-1243	87	20	,	,	PUNCT
ijtc-1243	87	21	and	and	CCONJ
ijtc-1243	87	22	composite	composite	ADJ
ijtc-1243	87	23	reliability	reliability	NOUN
ijtc-1243	87	24	.	.	PUNCT
ijtc-1243	88	1	the	the	DET
ijtc-1243	88	2	analysis	analysis	NOUN
ijtc-1243	88	3	and	and	CCONJ
ijtc-1243	88	4	evaluation	evaluation	NOUN
ijtc-1243	88	5	of	of	ADP
ijtc-1243	88	6	the	the	DET
ijtc-1243	88	7	measurement	measurement	NOUN
ijtc-1243	88	8	model	model	NOUN
ijtc-1243	88	9	in	in	ADP
ijtc-1243	88	10	the	the	DET
ijtc-1243	88	11	pls	pls	PROPN
ijtc-1243	88	12	-	-	PUNCT
ijtc-1243	88	13	sem	sem	NOUN
ijtc-1243	88	14	algorithm	algorithm	NOUN
ijtc-1243	88	15	calculate	calculate	NOUN
ijtc-1243	88	16	results	result	NOUN
ijtc-1243	88	17	are	be	AUX
ijtc-1243	88	18	as	as	SCONJ
ijtc-1243	88	19	follows	follow	VERB
ijtc-1243	88	20	:	:	PUNCT
ijtc-1243	88	21	figure	figure	NOUN
ijtc-1243	88	22	3	3	NUM
ijtc-1243	88	23	.	.	PUNCT
ijtc-1243	88	24	pls	pls	PROPN
ijtc-1243	88	25	-	-	PUNCT
ijtc-1243	88	26	seim	seim	PROPN
ijtc-1243	88	27	algorithm	algorithm	PROPN
ijtc-1243	88	28	outer	outer	ADJ
ijtc-1243	88	29	model	model	NOUN
ijtc-1243	88	30	equation	equation	NOUN
ijtc-1243	88	31	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	88	32	qris	qris	NOUN
ijtc-1243	88	33	:	:	PUNCT
ijtc-1243	88	34	awareness	awareness	NOUN
ijtc-1243	88	35	and	and	CCONJ
ijtc-1243	88	36	understanding	understand	VERB
ijtc-1243	88	37	the	the	DET
ijtc-1243	88	38	key	key	ADJ
ijtc-1243	88	39	drivers	driver	NOUN
ijtc-1243	88	40	yuniarti	yuniarti	VERB
ijtc-1243	88	41	,	,	PUNCT
ijtc-1243	88	42	septiani	septiani	NOUN
ijtc-1243	88	43	,	,	PUNCT
ijtc-1243	88	44	rusmianto	rusmianto	PROPN
ijtc-1243	88	45	.	.	PROPN
ijtc-1243	88	46	,	,	PUNCT
ijtc-1243	88	47	wijaya	wijaya	PROPN
ijtc-1243	88	48	,	,	PUNCT
ijtc-1243	88	49	and	and	CCONJ
ijtc-1243	88	50	kurniawan	kurniawan	X
ijtc-1243	88	51	7	7	NUM
ijtc-1243	89	1	|	|	ADV
ijtc-1243	89	2	ilomata	ilomata	PROPN
ijtc-1243	89	3	international	international	ADJ
ijtc-1243	89	4	journal	journal	NOUN
ijtc-1243	89	5	of	of	ADP
ijtc-1243	89	6	tax	tax	PROPN
ijtc-1243	89	7	&	&	CCONJ
ijtc-1243	89	8	accounting	account	VERB
ijtc-1243	89	9	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	89	10	structural	structural	ADJ
ijtc-1243	89	11	model	model	NOUN
ijtc-1243	89	12	analysis	analysis	NOUN
ijtc-1243	89	13	(	(	PUNCT
ijtc-1243	89	14	inner	inner	ADJ
ijtc-1243	89	15	model	model	NOUN
ijtc-1243	89	16	)	)	PUNCT
ijtc-1243	89	17	coefficient	coefficient	NOUN
ijtc-1243	89	18	of	of	ADP
ijtc-1243	89	19	determination	determination	NOUN
ijtc-1243	89	20	(	(	PUNCT
ijtc-1243	89	21	r	r	NOUN
ijtc-1243	89	22	-	-	PUNCT
ijtc-1243	89	23	squared	square	VERB
ijtc-1243	89	24	)	)	PUNCT
ijtc-1243	89	25	in	in	ADP
ijtc-1243	89	26	assessing	assess	VERB
ijtc-1243	89	27	the	the	DET
ijtc-1243	89	28	structural	structural	ADJ
ijtc-1243	89	29	model	model	NOUN
ijtc-1243	89	30	,	,	PUNCT
ijtc-1243	89	31	r	r	NOUN
ijtc-1243	89	32	-	-	PUNCT
ijtc-1243	89	33	square	square	NOUN
ijtc-1243	89	34	is	be	AUX
ijtc-1243	89	35	used	use	VERB
ijtc-1243	89	36	to	to	PART
ijtc-1243	89	37	determine	determine	VERB
ijtc-1243	89	38	how	how	SCONJ
ijtc-1243	89	39	much	much	ADJ
ijtc-1243	89	40	the	the	DET
ijtc-1243	89	41	independent	independent	ADJ
ijtc-1243	89	42	variables	variable	NOUN
ijtc-1243	89	43	are	be	AUX
ijtc-1243	89	44	able	able	ADJ
ijtc-1243	89	45	to	to	PART
ijtc-1243	89	46	explain	explain	VERB
ijtc-1243	89	47	the	the	DET
ijtc-1243	89	48	dependent	dependent	ADJ
ijtc-1243	89	49	variable	variable	NOUN
ijtc-1243	89	50	.	.	PUNCT
ijtc-1243	90	1	the	the	DET
ijtc-1243	90	2	greater	great	ADJ
ijtc-1243	90	3	their	their	PRON
ijtc-1243	90	4	-	-	PUNCT
ijtc-1243	90	5	square	square	ADJ
ijtc-1243	90	6	value	value	NOUN
ijtc-1243	90	7	,	,	PUNCT
ijtc-1243	90	8	the	the	PRON
ijtc-1243	90	9	greater	great	ADJ
ijtc-1243	90	10	the	the	DET
ijtc-1243	90	11	influence	influence	NOUN
ijtc-1243	90	12	of	of	ADP
ijtc-1243	90	13	exogenous	exogenous	ADJ
ijtc-1243	90	14	latent	latent	NOUN
ijtc-1243	90	15	variables	variable	NOUN
ijtc-1243	90	16	on	on	ADP
ijtc-1243	90	17	endogenous	endogenous	ADJ
ijtc-1243	90	18	variables	variable	NOUN
ijtc-1243	90	19	.	.	PUNCT
ijtc-1243	91	1	their	their	PRON
ijtc-1243	91	2	-	-	PUNCT
ijtc-1243	91	3	squared	square	VERB
ijtc-1243	91	4	value	value	NOUN
ijtc-1243	91	5	obtained	obtain	VERB
ijtc-1243	91	6	of	of	ADP
ijtc-1243	91	7	0.093	0.093	NUM
ijtc-1243	91	8	indicates	indicate	VERB
ijtc-1243	91	9	that	that	SCONJ
ijtc-1243	91	10	the	the	DET
ijtc-1243	91	11	independent	independent	ADJ
ijtc-1243	91	12	variables	variable	NOUN
ijtc-1243	91	13	(	(	PUNCT
ijtc-1243	91	14	promotional	promotional	ADJ
ijtc-1243	91	15	attractiveness	attractiveness	NOUN
ijtc-1243	91	16	,	,	PUNCT
ijtc-1243	91	17	ease	ease	NOUN
ijtc-1243	91	18	of	of	ADP
ijtc-1243	91	19	use	use	NOUN
ijtc-1243	91	20	,	,	PUNCT
ijtc-1243	91	21	and	and	CCONJ
ijtc-1243	91	22	risk	risk	NOUN
ijtc-1243	91	23	of	of	ADP
ijtc-1243	91	24	use	use	NOUN
ijtc-1243	91	25	)	)	PUNCT
ijtc-1243	91	26	only	only	ADV
ijtc-1243	91	27	explain	explain	VERB
ijtc-1243	91	28	9.3	9.3	NUM
ijtc-1243	91	29	%	%	NOUN
ijtc-1243	91	30	of	of	ADP
ijtc-1243	91	31	the	the	DET
ijtc-1243	91	32	variance	variance	NOUN
ijtc-1243	91	33	in	in	ADP
ijtc-1243	91	34	the	the	DET
ijtc-1243	91	35	dependent	dependent	ADJ
ijtc-1243	91	36	variable	variable	NOUN
ijtc-1243	91	37	(	(	PUNCT
ijtc-1243	91	38	interest	interest	NOUN
ijtc-1243	91	39	in	in	ADP
ijtc-1243	91	40	using	use	VERB
ijtc-1243	91	41	financial	financial	ADJ
ijtc-1243	91	42	technology	technology	NOUN
ijtc-1243	91	43	qris	qris	NOUN
ijtc-1243	91	44	)	)	PUNCT
ijtc-1243	91	45	.	.	PUNCT
ijtc-1243	92	1	this	this	PRON
ijtc-1243	92	2	means	mean	VERB
ijtc-1243	92	3	that	that	SCONJ
ijtc-1243	92	4	90.7	90.7	NUM
ijtc-1243	92	5	%	%	NOUN
ijtc-1243	92	6	of	of	ADP
ijtc-1243	92	7	the	the	DET
ijtc-1243	92	8	variability	variability	NOUN
ijtc-1243	92	9	in	in	ADP
ijtc-1243	92	10	interest	interest	NOUN
ijtc-1243	92	11	in	in	ADP
ijtc-1243	92	12	using	use	VERB
ijtc-1243	92	13	qris	qris	NOUN
ijtc-1243	92	14	is	be	AUX
ijtc-1243	92	15	influenced	influence	VERB
ijtc-1243	92	16	by	by	ADP
ijtc-1243	92	17	other	other	ADJ
ijtc-1243	92	18	variables	variable	NOUN
ijtc-1243	92	19	outside	outside	ADP
ijtc-1243	92	20	this	this	DET
ijtc-1243	92	21	research	research	NOUN
ijtc-1243	92	22	model	model	NOUN
ijtc-1243	92	23	,	,	PUNCT
ijtc-1243	92	24	which	which	PRON
ijtc-1243	92	25	indicates	indicate	VERB
ijtc-1243	92	26	that	that	SCONJ
ijtc-1243	92	27	the	the	DET
ijtc-1243	92	28	model	model	NOUN
ijtc-1243	92	29	is	be	AUX
ijtc-1243	92	30	weak	weak	ADJ
ijtc-1243	92	31	.	.	PUNCT
ijtc-1243	93	1	predictive	predictive	ADJ
ijtc-1243	93	2	relevance	relevance	NOUN
ijtc-1243	93	3	(	(	PUNCT
ijtc-1243	93	4	q	q	NOUN
ijtc-1243	93	5	-	-	PUNCT
ijtc-1243	93	6	squared	square	VERB
ijtc-1243	93	7	)	)	PUNCT
ijtc-1243	93	8	the	the	DET
ijtc-1243	93	9	next	next	ADJ
ijtc-1243	93	10	step	step	NOUN
ijtc-1243	93	11	in	in	ADP
ijtc-1243	93	12	measuring	measure	VERB
ijtc-1243	93	13	the	the	DET
ijtc-1243	93	14	structural	structural	ADJ
ijtc-1243	93	15	model	model	NOUN
ijtc-1243	93	16	is	be	AUX
ijtc-1243	93	17	with	with	ADP
ijtc-1243	93	18	predictive	predictive	ADJ
ijtc-1243	93	19	relevance	relevance	NOUN
ijtc-1243	93	20	(	(	PUNCT
ijtc-1243	93	21	q	q	NOUN
ijtc-1243	93	22	-	-	ADJ
ijtc-1243	93	23	square	square	ADJ
ijtc-1243	93	24	)	)	PUNCT
ijtc-1243	93	25	.	.	PUNCT
ijtc-1243	94	1	predictive	predictive	ADJ
ijtc-1243	94	2	relevance	relevance	NOUN
ijtc-1243	94	3	(	(	PUNCT
ijtc-1243	94	4	q	q	ADJ
ijtc-1243	94	5	-	-	ADJ
ijtc-1243	94	6	square	square	ADJ
ijtc-1243	94	7	)	)	PUNCT
ijtc-1243	94	8	evaluates	evaluate	VERB
ijtc-1243	94	9	how	how	SCONJ
ijtc-1243	94	10	well	well	ADV
ijtc-1243	94	11	the	the	DET
ijtc-1243	94	12	model	model	NOUN
ijtc-1243	94	13	can	can	AUX
ijtc-1243	94	14	predict	predict	VERB
ijtc-1243	94	15	its	its	PRON
ijtc-1243	94	16	value	value	NOUN
ijtc-1243	94	17	and	and	CCONJ
ijtc-1243	94	18	parameter	parameter	NOUN
ijtc-1243	94	19	estimates	estimate	NOUN
ijtc-1243	94	20	.	.	PUNCT
ijtc-1243	95	1	the	the	DET
ijtc-1243	95	2	model	model	NOUN
ijtc-1243	95	3	is	be	AUX
ijtc-1243	95	4	considered	consider	VERB
ijtc-1243	95	5	to	to	PART
ijtc-1243	95	6	have	have	VERB
ijtc-1243	95	7	predictive	predictive	ADJ
ijtc-1243	95	8	relevance	relevance	NOUN
ijtc-1243	95	9	if	if	SCONJ
ijtc-1243	95	10	the	the	DET
ijtc-1243	95	11	q	q	ADJ
ijtc-1243	95	12	-	-	PUNCT
ijtc-1243	95	13	squared	square	VERB
ijtc-1243	95	14	value	value	NOUN
ijtc-1243	95	15	>	>	X
ijtc-1243	95	16	0	0	NUM
ijtc-1243	95	17	,	,	PUNCT
ijtc-1243	95	18	while	while	SCONJ
ijtc-1243	95	19	if	if	SCONJ
ijtc-1243	95	20	the	the	DET
ijtc-1243	95	21	q	q	ADJ
ijtc-1243	95	22	-	-	PUNCT
ijtc-1243	95	23	squared	square	VERB
ijtc-1243	95	24	value	value	NOUN
ijtc-1243	95	25	≤	≤	NOUN
ijtc-1243	95	26	0	0	NUM
ijtc-1243	95	27	,	,	PUNCT
ijtc-1243	95	28	the	the	DET
ijtc-1243	95	29	model	model	NOUN
ijtc-1243	95	30	is	be	AUX
ijtc-1243	95	31	considered	consider	VERB
ijtc-1243	95	32	to	to	PART
ijtc-1243	95	33	lack	lack	VERB
ijtc-1243	95	34	predictive	predictive	ADJ
ijtc-1243	95	35	relevance	relevance	NOUN
ijtc-1243	95	36	.	.	PUNCT
ijtc-1243	96	1	table	table	NOUN
ijtc-1243	96	2	5	5	NUM
ijtc-1243	96	3	.	.	PUNCT
ijtc-1243	96	4	q	q	X
ijtc-1243	96	5	-	-	PUNCT
ijtc-1243	96	6	squared	square	VERB
ijtc-1243	96	7	test	test	NOUN
ijtc-1243	96	8	results	result	NOUN
ijtc-1243	96	9	sso	sso	NOUN
ijtc-1243	96	10	ssei	ssei	NOUN
ijtc-1243	96	11	q²	q²	NOUN
ijtc-1243	96	12	(=	(=	ADP
ijtc-1243	96	13	1	1	NUM
ijtc-1243	96	14	-	-	PUNCT
ijtc-1243	96	15	ssei	ssei	VERB
ijtc-1243	96	16	/	/	SYM
ijtc-1243	96	17	sso	sso	NOUN
ijtc-1243	96	18	)	)	PUNCT
ijtc-1243	96	19	x1_daya	x1_daya	NOUN
ijtc-1243	96	20	withdraw	withdraw	VERB
ijtc-1243	96	21	promotion	promotion	VERB
ijtc-1243	96	22	305.0000	305.0000	NUM
ijtc-1243	96	23	305.0000	305.0000	NUM
ijtc-1243	96	24	x2_keimudahan	x2_keimudahan	NOUN
ijtc-1243	96	25	usagei	usagei	ADJ
ijtc-1243	97	1	366.0000	366.0000	NUM
ijtc-1243	97	2	366.0000	366.0000	NUM
ijtc-1243	97	3	x3_risiko	x3_risiko	NOUN
ijtc-1243	97	4	usagei	usagei	ADJ
ijtc-1243	97	5	305.0000	305.0000	NUM
ijtc-1243	97	6	305.0000	305.0000	NUM
ijtc-1243	97	7	y_minat	y_minat	NOUN
ijtc-1243	97	8	use	use	NOUN
ijtc-1243	97	9	of	of	ADP
ijtc-1243	97	10	fintech	fintech	NOUN
ijtc-1243	97	11	qris	qris	NOUN
ijtc-1243	97	12	427.0000	427.0000	NUM
ijtc-1243	97	13	409.9533	409.9533	NUM
ijtc-1243	97	14	0.0399	0.0399	NUM
ijtc-1243	97	15	source	source	NOUN
ijtc-1243	97	16	:	:	PUNCT
ijtc-1243	97	17	smartpls	smartpls	PROPN
ijtc-1243	97	18	data	datum	NOUN
ijtc-1243	97	19	processing	processing	NOUN
ijtc-1243	97	20	,	,	PUNCT
ijtc-1243	97	21	2024	2024	NUM
ijtc-1243	97	22	the	the	DET
ijtc-1243	97	23	q	q	ADV
ijtc-1243	97	24	-	-	PUNCT
ijtc-1243	97	25	squared	square	VERB
ijtc-1243	97	26	result	result	NOUN
ijtc-1243	97	27	is	be	AUX
ijtc-1243	97	28	0.0399	0.0399	NUM
ijtc-1243	97	29	if	if	SCONJ
ijtc-1243	97	30	presented	present	VERB
ijtc-1243	97	31	at	at	ADP
ijtc-1243	97	32	3.99	3.99	NUM
ijtc-1243	97	33	%	%	NOUN
ijtc-1243	97	34	,	,	PUNCT
ijtc-1243	97	35	which	which	PRON
ijtc-1243	97	36	means	mean	VERB
ijtc-1243	97	37	that	that	SCONJ
ijtc-1243	97	38	the	the	DET
ijtc-1243	97	39	research	research	NOUN
ijtc-1243	97	40	model	model	NOUN
ijtc-1243	97	41	can	can	AUX
ijtc-1243	97	42	be	be	AUX
ijtc-1243	97	43	said	say	VERB
ijtc-1243	97	44	to	to	PART
ijtc-1243	97	45	lack	lack	VERB
ijtc-1243	97	46	predictive	predictive	ADJ
ijtc-1243	97	47	relevance	relevance	NOUN
ijtc-1243	97	48	.	.	PUNCT
ijtc-1243	98	1	f	f	X
ijtc-1243	98	2	-	-	PUNCT
ijtc-1243	98	3	squared	square	VERB
ijtc-1243	98	4	the	the	DET
ijtc-1243	98	5	f	f	NOUN
ijtc-1243	98	6	-	-	PUNCT
ijtc-1243	98	7	squared	square	VERB
ijtc-1243	98	8	value	value	NOUN
ijtc-1243	98	9	shows	show	VERB
ijtc-1243	98	10	the	the	DET
ijtc-1243	98	11	effect	effect	NOUN
ijtc-1243	98	12	of	of	ADP
ijtc-1243	98	13	endogenous	endogenous	ADJ
ijtc-1243	98	14	variables	variable	NOUN
ijtc-1243	98	15	on	on	ADP
ijtc-1243	98	16	exogenous	exogenous	ADJ
ijtc-1243	98	17	variables	variable	NOUN
ijtc-1243	98	18	.	.	PUNCT
ijtc-1243	99	1	the	the	DET
ijtc-1243	99	2	fsquared	fsquared	ADJ
ijtc-1243	99	3	criteria	criterion	NOUN
ijtc-1243	99	4	are	be	AUX
ijtc-1243	99	5	:	:	PUNCT
ijtc-1243	99	6	0.02≤	0.02≤	NUM
ijtc-1243	99	7	f	f	PROPN
ijtc-1243	99	8	≤	≤	NOUN
ijtc-1243	99	9	0.15	0.15	NUM
ijtc-1243	99	10	=	=	SYM
ijtc-1243	99	11	weak	weak	ADJ
ijtc-1243	99	12	effect	effect	NOUN
ijtc-1243	99	13	,	,	PUNCT
ijtc-1243	99	14	0.15	0.15	NUM
ijtc-1243	99	15	≤	≤	NUM
ijtc-1243	99	16	f	f	PROPN
ijtc-1243	99	17	≤	≤	ADV
ijtc-1243	99	18	0.35	0.35	NUM
ijtc-1243	99	19	=	=	SYM
ijtc-1243	99	20	medium	medium	ADJ
ijtc-1243	99	21	effect	effect	NOUN
ijtc-1243	99	22	,	,	PUNCT
ijtc-1243	99	23	f	f	PROPN
ijtc-1243	99	24	≥	≥	NUM
ijtc-1243	99	25	0.35	0.35	NUM
ijtc-1243	99	26	=	=	PUNCT
ijtc-1243	99	27	large	large	ADJ
ijtc-1243	99	28	effect	effect	NOUN
ijtc-1243	99	29	.	.	PUNCT
ijtc-1243	100	1	based	base	VERB
ijtc-1243	100	2	on	on	ADP
ijtc-1243	100	3	table	table	NOUN
ijtc-1243	100	4	6	6	NUM
ijtc-1243	100	5	,	,	PUNCT
ijtc-1243	100	6	each	each	DET
ijtc-1243	100	7	variable	variable	NOUN
ijtc-1243	100	8	has	have	VERB
ijtc-1243	100	9	a	a	DET
ijtc-1243	100	10	weak	weak	ADJ
ijtc-1243	100	11	effect	effect	NOUN
ijtc-1243	100	12	size	size	NOUN
ijtc-1243	100	13	.	.	PUNCT
ijtc-1243	101	1	table	table	NOUN
ijtc-1243	101	2	6	6	NUM
ijtc-1243	101	3	.	.	PUNCT
ijtc-1243	102	1	f	f	X
ijtc-1243	102	2	-	-	PUNCT
ijtc-1243	102	3	squared	square	VERB
ijtc-1243	102	4	test	test	NOUN
ijtc-1243	102	5	results	result	NOUN
ijtc-1243	102	6	relationship	relationship	VERB
ijtc-1243	102	7	f2	f2	ADJ
ijtc-1243	102	8	criterion	criterion	NOUN
ijtc-1243	102	9	promotional	promotional	ADJ
ijtc-1243	102	10	appeal	appeal	NOUN
ijtc-1243	102	11	to	to	ADP
ijtc-1243	102	12	interest	interest	NOUN
ijtc-1243	102	13	in	in	ADP
ijtc-1243	102	14	using	use	VERB
ijtc-1243	102	15	qr	qr	PROPN
ijtc-1243	102	16	is	be	AUX
ijtc-1243	102	17	finteich	finteich	VERB
ijtc-1243	102	18	0.032	0.032	NUM
ijtc-1243	102	19	weak	weak	ADJ
ijtc-1243	102	20	eisai	eisai	NOUN
ijtc-1243	102	21	of	of	ADP
ijtc-1243	102	22	use	use	NOUN
ijtc-1243	102	23	for	for	ADP
ijtc-1243	102	24	interest	interest	NOUN
ijtc-1243	102	25	in	in	ADP
ijtc-1243	102	26	using	use	VERB
ijtc-1243	102	27	qris	qris	NOUN
ijtc-1243	102	28	fintech	fintech	NOUN
ijtc-1243	102	29	0.003	0.003	NUM
ijtc-1243	102	30	weak	weak	ADJ
ijtc-1243	102	31	usage	usage	NOUN
ijtc-1243	102	32	risks	risk	NOUN
ijtc-1243	102	33	to	to	ADP
ijtc-1243	102	34	interest	interest	NOUN
ijtc-1243	102	35	in	in	ADP
ijtc-1243	102	36	using	use	VERB
ijtc-1243	102	37	qr	qr	PROPN
ijtc-1243	102	38	is	be	AUX
ijtc-1243	102	39	fintech	fintech	NOUN
ijtc-1243	102	40	0.028	0.028	NUM
ijtc-1243	102	41	weak	weak	ADJ
ijtc-1243	102	42	source	source	NOUN
ijtc-1243	102	43	:	:	PUNCT
ijtc-1243	102	44	smartpls	smartpls	PROPN
ijtc-1243	102	45	data	datum	NOUN
ijtc-1243	102	46	processing	processing	NOUN
ijtc-1243	102	47	,	,	PUNCT
ijtc-1243	102	48	2024	2024	NUM
ijtc-1243	102	49	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	102	50	qris	qris	NOUN
ijtc-1243	102	51	:	:	PUNCT
ijtc-1243	102	52	awareness	awareness	NOUN
ijtc-1243	102	53	and	and	CCONJ
ijtc-1243	102	54	understanding	understand	VERB
ijtc-1243	102	55	the	the	DET
ijtc-1243	102	56	key	key	ADJ
ijtc-1243	102	57	drivers	driver	NOUN
ijtc-1243	102	58	yuniarti	yuniarti	VERB
ijtc-1243	102	59	,	,	PUNCT
ijtc-1243	102	60	septiani	septiani	NOUN
ijtc-1243	102	61	,	,	PUNCT
ijtc-1243	102	62	rusmianto	rusmianto	PROPN
ijtc-1243	102	63	.	.	PROPN
ijtc-1243	102	64	,	,	PUNCT
ijtc-1243	102	65	wijaya	wijaya	PROPN
ijtc-1243	102	66	,	,	PUNCT
ijtc-1243	102	67	and	and	CCONJ
ijtc-1243	102	68	kurniawan	kurniawan	PROPN
ijtc-1243	103	1	8	8	NUM
ijtc-1243	104	1	|	|	ADV
ijtc-1243	104	2	ilomata	ilomata	PROPN
ijtc-1243	104	3	international	international	ADJ
ijtc-1243	104	4	journal	journal	NOUN
ijtc-1243	104	5	of	of	ADP
ijtc-1243	104	6	tax	tax	PROPN
ijtc-1243	104	7	&	&	CCONJ
ijtc-1243	104	8	accounting	account	VERB
ijtc-1243	104	9	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	104	10	normed	norme	VERB
ijtc-1243	104	11	fit	fit	ADJ
ijtc-1243	104	12	index	index	NOUN
ijtc-1243	104	13	(	(	PUNCT
ijtc-1243	104	14	nfi	nfi	PROPN
ijtc-1243	104	15	)	)	PUNCT
ijtc-1243	104	16	the	the	DET
ijtc-1243	104	17	last	last	ADJ
ijtc-1243	104	18	step	step	NOUN
ijtc-1243	104	19	in	in	ADP
ijtc-1243	104	20	this	this	DET
ijtc-1243	104	21	study	study	NOUN
ijtc-1243	104	22	is	be	AUX
ijtc-1243	104	23	to	to	PART
ijtc-1243	104	24	analyze	analyze	VERB
ijtc-1243	104	25	the	the	DET
ijtc-1243	104	26	fitt	fitt	ADJ
ijtc-1243	104	27	model	model	NOUN
ijtc-1243	104	28	that	that	PRON
ijtc-1243	104	29	shows	show	VERB
ijtc-1243	104	30	how	how	SCONJ
ijtc-1243	104	31	good	good	ADJ
ijtc-1243	104	32	or	or	CCONJ
ijtc-1243	104	33	good	good	ADJ
ijtc-1243	104	34	the	the	DET
ijtc-1243	104	35	author	author	NOUN
ijtc-1243	104	36	's	's	PART
ijtc-1243	104	37	research	research	NOUN
ijtc-1243	104	38	model	model	NOUN
ijtc-1243	104	39	is	be	AUX
ijtc-1243	104	40	,	,	PUNCT
ijtc-1243	104	41	which	which	PRON
ijtc-1243	104	42	can	can	AUX
ijtc-1243	104	43	be	be	AUX
ijtc-1243	104	44	seen	see	VERB
ijtc-1243	104	45	through	through	ADP
ijtc-1243	104	46	the	the	DET
ijtc-1243	104	47	value	value	NOUN
ijtc-1243	104	48	of	of	ADP
ijtc-1243	104	49	the	the	DET
ijtc-1243	104	50	normed	normed	PROPN
ijtc-1243	104	51	fit	fit	PROPN
ijtc-1243	104	52	index	index	NOUN
ijtc-1243	104	53	.	.	PUNCT
ijtc-1243	105	1	the	the	DET
ijtc-1243	105	2	nfi	nfi	PROPN
ijtc-1243	105	3	yield	yield	NOUN
ijtc-1243	105	4	value	value	NOUN
ijtc-1243	105	5	is	be	AUX
ijtc-1243	105	6	0.6787	0.6787	NUM
ijtc-1243	105	7	if	if	SCONJ
ijtc-1243	105	8	rounded	round	VERB
ijtc-1243	105	9	to	to	ADP
ijtc-1243	105	10	0.68	0.68	NUM
ijtc-1243	105	11	or	or	CCONJ
ijtc-1243	105	12	68	68	NUM
ijtc-1243	105	13	%	%	NOUN
ijtc-1243	105	14	.	.	PUNCT
ijtc-1243	106	1	this	this	PRON
ijtc-1243	106	2	shows	show	VERB
ijtc-1243	106	3	that	that	SCONJ
ijtc-1243	106	4	the	the	DET
ijtc-1243	106	5	researcher	researcher	NOUN
ijtc-1243	106	6	's	's	PART
ijtc-1243	106	7	research	research	NOUN
ijtc-1243	106	8	model	model	NOUN
ijtc-1243	106	9	is	be	AUX
ijtc-1243	106	10	68	68	NUM
ijtc-1243	106	11	%	%	NOUN
ijtc-1243	106	12	fit	fit	NOUN
ijtc-1243	106	13	or	or	CCONJ
ijtc-1243	106	14	the	the	DET
ijtc-1243	106	15	fit	fit	NOUN
ijtc-1243	106	16	is	be	AUX
ijtc-1243	106	17	good	good	ADJ
ijtc-1243	106	18	.	.	PUNCT
ijtc-1243	107	1	the	the	DET
ijtc-1243	107	2	analysis	analysis	NOUN
ijtc-1243	107	3	and	and	CCONJ
ijtc-1243	107	4	evaluation	evaluation	NOUN
ijtc-1243	107	5	of	of	ADP
ijtc-1243	107	6	the	the	DET
ijtc-1243	107	7	measurement	measurement	NOUN
ijtc-1243	107	8	model	model	NOUN
ijtc-1243	107	9	in	in	ADP
ijtc-1243	107	10	the	the	DET
ijtc-1243	107	11	pls	pls	PROPN
ijtc-1243	107	12	-	-	PUNCT
ijtc-1243	107	13	sem	sem	NOUN
ijtc-1243	107	14	algorithm	algorithm	NOUN
ijtc-1243	107	15	calculate	calculate	NOUN
ijtc-1243	107	16	results	result	NOUN
ijtc-1243	107	17	are	be	AUX
ijtc-1243	107	18	as	as	SCONJ
ijtc-1243	107	19	follows	follow	VERB
ijtc-1243	107	20	:	:	PUNCT
ijtc-1243	107	21	figure	figure	VERB
ijtc-1243	107	22	4	4	NUM
ijtc-1243	107	23	.	.	PUNCT
ijtc-1243	107	24	pls	pls	PROPN
ijtc-1243	107	25	-	-	PUNCT
ijtc-1243	107	26	seim	seim	PROPN
ijtc-1243	107	27	algorithm	algorithm	PROPN
ijtc-1243	107	28	inner	inner	ADJ
ijtc-1243	107	29	model	model	NOUN
ijtc-1243	107	30	equation	equation	NOUN
ijtc-1243	107	31	hypothesis	hypothesis	NOUN
ijtc-1243	107	32	test	test	NOUN
ijtc-1243	107	33	the	the	DET
ijtc-1243	107	34	way	way	NOUN
ijtc-1243	107	35	to	to	PART
ijtc-1243	107	36	seiei	seiei	VERB
ijtc-1243	107	37	the	the	DET
ijtc-1243	107	38	results	result	NOUN
ijtc-1243	107	39	of	of	ADP
ijtc-1243	107	40	hypothesis	hypothesis	NOUN
ijtc-1243	107	41	testing	testing	NOUN
ijtc-1243	107	42	is	be	AUX
ijtc-1243	107	43	done	do	VERB
ijtc-1243	107	44	by	by	ADP
ijtc-1243	107	45	comparing	compare	VERB
ijtc-1243	107	46	t	t	NOUN
ijtc-1243	107	47	-	-	PUNCT
ijtc-1243	107	48	tables	table	NOUN
ijtc-1243	107	49	and	and	CCONJ
ijtc-1243	107	50	t	t	NOUN
ijtc-1243	107	51	-	-	PUNCT
ijtc-1243	107	52	counts	count	NOUN
ijtc-1243	107	53	.	.	PUNCT
ijtc-1243	108	1	the	the	DET
ijtc-1243	108	2	value	value	NOUN
ijtc-1243	108	3	of	of	ADP
ijtc-1243	108	4	the	the	DET
ijtc-1243	108	5	t	t	NOUN
ijtc-1243	108	6	-	-	PUNCT
ijtc-1243	108	7	calculation	calculation	NOUN
ijtc-1243	108	8	is	be	AUX
ijtc-1243	108	9	seen	see	VERB
ijtc-1243	108	10	through	through	ADP
ijtc-1243	108	11	the	the	DET
ijtc-1243	108	12	results	result	NOUN
ijtc-1243	108	13	of	of	ADP
ijtc-1243	108	14	bootstrapping	bootstrappe	VERB
ijtc-1243	108	15	testing	testing	NOUN
ijtc-1243	108	16	using	use	VERB
ijtc-1243	108	17	smartpls	smartpls	PROPN
ijtc-1243	108	18	software	software	NOUN
ijtc-1243	108	19	.	.	PUNCT
ijtc-1243	109	1	the	the	DET
ijtc-1243	109	2	hypothesis	hypothesis	NOUN
ijtc-1243	109	3	test	test	NOUN
ijtc-1243	109	4	in	in	ADP
ijtc-1243	109	5	this	this	DET
ijtc-1243	109	6	study	study	NOUN
ijtc-1243	109	7	will	will	AUX
ijtc-1243	109	8	use	use	VERB
ijtc-1243	109	9	the	the	DET
ijtc-1243	109	10	value	value	NOUN
ijtc-1243	109	11	of	of	ADP
ijtc-1243	109	12	t	t	PROPN
ijtc-1243	109	13	-	-	PUNCT
ijtc-1243	109	14	statistic	statistic	NOUN
ijtc-1243	109	15	,	,	PUNCT
ijtc-1243	109	16	so	so	SCONJ
ijtc-1243	109	17	this	this	DET
ijtc-1243	109	18	study	study	NOUN
ijtc-1243	109	19	uses	use	VERB
ijtc-1243	109	20	a	a	DET
ijtc-1243	109	21	twotailed	twotaile	VERB
ijtc-1243	109	22	hypothesis	hypothesis	NOUN
ijtc-1243	109	23	test	test	NOUN
ijtc-1243	109	24	so	so	SCONJ
ijtc-1243	109	25	that	that	SCONJ
ijtc-1243	109	26	the	the	DET
ijtc-1243	109	27	value	value	NOUN
ijtc-1243	109	28	of	of	ADP
ijtc-1243	109	29	t	t	PROPN
ijtc-1243	109	30	-	-	PUNCT
ijtc-1243	109	31	statistic	statistic	NOUN
ijtc-1243	109	32	must	must	AUX
ijtc-1243	109	33	be	be	AUX
ijtc-1243	109	34	>	>	X
ijtc-1243	109	35	1.65	1.65	NUM
ijtc-1243	109	36	and	and	CCONJ
ijtc-1243	109	37	the	the	DET
ijtc-1243	109	38	value	value	NOUN
ijtc-1243	109	39	of	of	ADP
ijtc-1243	109	40	p	p	NOUN
ijtc-1243	109	41	values	value	NOUN
ijtc-1243	109	42	must	must	AUX
ijtc-1243	109	43	be	be	AUX
ijtc-1243	109	44	<	<	X
ijtc-1243	109	45	0.05	0.05	NUM
ijtc-1243	109	46	.	.	PUNCT
ijtc-1243	110	1	if	if	SCONJ
ijtc-1243	110	2	the	the	DET
ijtc-1243	110	3	value	value	NOUN
ijtc-1243	110	4	of	of	ADP
ijtc-1243	110	5	t	t	NOUN
ijtc-1243	110	6	-	-	PUNCT
ijtc-1243	110	7	calculate	calculate	NOUN
ijtc-1243	110	8	>	>	X
ijtc-1243	110	9	t	t	NOUN
ijtc-1243	110	10	-	-	PUNCT
ijtc-1243	110	11	table	table	NOUN
ijtc-1243	110	12	,	,	PUNCT
ijtc-1243	110	13	then	then	ADV
ijtc-1243	110	14	h0	h0	PROPN
ijtc-1243	110	15	is	be	AUX
ijtc-1243	110	16	rejected	reject	VERB
ijtc-1243	110	17	and	and	CCONJ
ijtc-1243	110	18	ha	ha	INTJ
ijtc-1243	110	19	is	be	AUX
ijtc-1243	110	20	accepted	accept	VERB
ijtc-1243	110	21	and	and	CCONJ
ijtc-1243	110	22	vice	vice	ADV
ijtc-1243	110	23	versa	versa	ADV
ijtc-1243	110	24	.	.	PUNCT
ijtc-1243	111	1	table	table	NOUN
ijtc-1243	111	2	7	7	NUM
ijtc-1243	111	3	.	.	PUNCT
ijtc-1243	112	1	hasil	hasil	PROPN
ijtc-1243	112	2	uji	uji	PROPN
ijtc-1243	112	3	path	path	PROPN
ijtc-1243	112	4	coefficients	coefficient	VERB
ijtc-1243	112	5	original	original	ADJ
ijtc-1243	112	6	sample	sample	NOUN
ijtc-1243	112	7	(	(	PUNCT
ijtc-1243	112	8	o	o	NOUN
ijtc-1243	112	9	)	)	PUNCT
ijtc-1243	112	10	sample	sample	NOUN
ijtc-1243	112	11	mean	mean	NOUN
ijtc-1243	112	12	(	(	PUNCT
ijtc-1243	112	13	m	m	NOUN
ijtc-1243	112	14	)	)	PUNCT
ijtc-1243	112	15	standard	standard	ADJ
ijtc-1243	112	16	deviation	deviation	NOUN
ijtc-1243	112	17	(	(	PUNCT
ijtc-1243	112	18	stdev	stdev	NOUN
ijtc-1243	112	19	)	)	PUNCT
ijtc-1243	112	20	t	t	PROPN
ijtc-1243	112	21	statistics	statistic	NOUN
ijtc-1243	112	22	(	(	PUNCT
ijtc-1243	112	23	|o	|o	NOUN
ijtc-1243	112	24	/	/	SYM
ijtc-1243	112	25	stdev|	stdev|	NOUN
ijtc-1243	112	26	)	)	PUNCT
ijtc-1243	112	27	p	p	NOUN
ijtc-1243	112	28	values	value	NOUN
ijtc-1243	112	29	information	information	NOUN
ijtc-1243	113	1	x1	x1	X
ijtc-1243	113	2	>	>	X
ijtc-1243	113	3	y	y	PROPN
ijtc-1243	113	4	0.178	0.178	NUM
ijtc-1243	113	5	0.1662	0.1662	NUM
ijtc-1243	113	6	0.1807	0.1807	NUM
ijtc-1243	113	7	0.9880	0.9880	NUM
ijtc-1243	113	8	0.3236	0.3236	NUM
ijtc-1243	113	9	rejected	reject	VERB
ijtc-1243	113	10	x2	x2	PROPN
ijtc-1243	113	11	>	>	X
ijtc-1243	113	12	y	y	PROPN
ijtc-1243	113	13	0.056	0.056	NUM
ijtc-1243	113	14	0.0680	0.0680	NUM
ijtc-1243	113	15	0.1648	0.1648	NUM
ijtc-1243	113	16	0.3445	0.3445	NUM
ijtc-1243	113	17	0.7306	0.7306	NUM
ijtc-1243	113	18	rejected	reject	VERB
ijtc-1243	113	19	x3	x3	PROPN
ijtc-1243	113	20	>	>	X
ijtc-1243	113	21	y	y	PROPN
ijtc-1243	113	22	0.175	0.175	NUM
ijtc-1243	113	23	0.2115	0.2115	NUM
ijtc-1243	113	24	0.1479	0.1479	NUM
ijtc-1243	113	25	1.1853	1.1853	NUM
ijtc-1243	113	26	0.2365	0.2365	NUM
ijtc-1243	113	27	rejected	reject	VERB
ijtc-1243	113	28	source	source	NOUN
ijtc-1243	113	29	:	:	PUNCT
ijtc-1243	113	30	smartpls	smartpls	PROPN
ijtc-1243	113	31	data	datum	NOUN
ijtc-1243	113	32	processing	processing	NOUN
ijtc-1243	113	33	,	,	PUNCT
ijtc-1243	113	34	2024	2024	NUM
ijtc-1243	113	35	the	the	DET
ijtc-1243	113	36	findings	finding	NOUN
ijtc-1243	113	37	of	of	ADP
ijtc-1243	113	38	this	this	DET
ijtc-1243	113	39	study	study	NOUN
ijtc-1243	113	40	offers	offer	VERB
ijtc-1243	113	41	a	a	DET
ijtc-1243	113	42	detailed	detailed	ADJ
ijtc-1243	113	43	understanding	understanding	NOUN
ijtc-1243	113	44	of	of	ADP
ijtc-1243	113	45	how	how	SCONJ
ijtc-1243	113	46	perceived	perceive	VERB
ijtc-1243	113	47	promotional	promotional	ADJ
ijtc-1243	113	48	attractiveness	attractiveness	NOUN
ijtc-1243	113	49	,	,	PUNCT
ijtc-1243	113	50	ease	ease	NOUN
ijtc-1243	113	51	of	of	ADP
ijtc-1243	113	52	use	use	NOUN
ijtc-1243	113	53	,	,	PUNCT
ijtc-1243	113	54	and	and	CCONJ
ijtc-1243	113	55	risk	risk	NOUN
ijtc-1243	113	56	impact	impact	NOUN
ijtc-1243	113	57	the	the	DET
ijtc-1243	113	58	interest	interest	NOUN
ijtc-1243	113	59	in	in	ADP
ijtc-1243	113	60	using	use	VERB
ijtc-1243	113	61	qris	qris	ADJ
ijtc-1243	113	62	financial	financial	ADJ
ijtc-1243	113	63	technology	technology	NOUN
ijtc-1243	113	64	,	,	PUNCT
ijtc-1243	113	65	while	while	SCONJ
ijtc-1243	113	66	also	also	ADV
ijtc-1243	113	67	comparing	compare	VERB
ijtc-1243	113	68	these	these	DET
ijtc-1243	113	69	outcomes	outcome	NOUN
ijtc-1243	113	70	with	with	ADP
ijtc-1243	113	71	relevant	relevant	ADJ
ijtc-1243	113	72	theories	theory	NOUN
ijtc-1243	113	73	and	and	CCONJ
ijtc-1243	113	74	previous	previous	ADJ
ijtc-1243	113	75	research	research	NOUN
ijtc-1243	113	76	.	.	PUNCT
ijtc-1243	114	1	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	114	2	qris	qris	NOUN
ijtc-1243	114	3	:	:	PUNCT
ijtc-1243	114	4	awareness	awareness	NOUN
ijtc-1243	114	5	and	and	CCONJ
ijtc-1243	114	6	understanding	understand	VERB
ijtc-1243	114	7	the	the	DET
ijtc-1243	114	8	key	key	ADJ
ijtc-1243	114	9	drivers	driver	NOUN
ijtc-1243	114	10	yuniarti	yuniarti	VERB
ijtc-1243	114	11	,	,	PUNCT
ijtc-1243	114	12	septiani	septiani	NOUN
ijtc-1243	114	13	,	,	PUNCT
ijtc-1243	114	14	rusmianto	rusmianto	PROPN
ijtc-1243	114	15	.	.	PROPN
ijtc-1243	114	16	,	,	PUNCT
ijtc-1243	114	17	wijaya	wijaya	PROPN
ijtc-1243	114	18	,	,	PUNCT
ijtc-1243	114	19	and	and	CCONJ
ijtc-1243	114	20	kurniawan	kurniawan	PROPN
ijtc-1243	114	21	9	9	NUM
ijtc-1243	114	22	|	|	NOUN
ijtc-1243	114	23	ilomata	ilomata	PROPN
ijtc-1243	114	24	international	international	ADJ
ijtc-1243	114	25	journal	journal	NOUN
ijtc-1243	114	26	of	of	ADP
ijtc-1243	114	27	tax	tax	PROPN
ijtc-1243	114	28	&	&	CCONJ
ijtc-1243	114	29	accounting	account	VERB
ijtc-1243	114	30	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	114	31	firstly	firstly	ADV
ijtc-1243	114	32	,	,	PUNCT
ijtc-1243	114	33	regarding	regard	VERB
ijtc-1243	114	34	perceived	perceive	VERB
ijtc-1243	114	35	promotional	promotional	ADJ
ijtc-1243	114	36	attractiveness	attractiveness	NOUN
ijtc-1243	114	37	,	,	PUNCT
ijtc-1243	114	38	the	the	DET
ijtc-1243	114	39	study	study	NOUN
ijtc-1243	114	40	reveals	reveal	VERB
ijtc-1243	114	41	that	that	SCONJ
ijtc-1243	114	42	qris	qris	NOUN
ijtc-1243	114	43	promotions	promotion	NOUN
ijtc-1243	114	44	do	do	AUX
ijtc-1243	114	45	not	not	PART
ijtc-1243	114	46	significantly	significantly	ADV
ijtc-1243	114	47	influence	influence	VERB
ijtc-1243	114	48	user	user	NOUN
ijtc-1243	114	49	interest	interest	NOUN
ijtc-1243	114	50	.	.	PUNCT
ijtc-1243	115	1	this	this	PRON
ijtc-1243	115	2	aligns	align	VERB
ijtc-1243	115	3	with	with	ADP
ijtc-1243	115	4	the	the	DET
ijtc-1243	115	5	research	research	NOUN
ijtc-1243	115	6	by	by	ADP
ijtc-1243	115	7	(	(	PUNCT
ijtc-1243	115	8	mulyaningtyas	mulyaningtyas	PROPN
ijtc-1243	115	9	&	&	CCONJ
ijtc-1243	115	10	ihsan	ihsan	PROPN
ijtc-1243	115	11	,	,	PUNCT
ijtc-1243	115	12	2023	2023	NUM
ijtc-1243	115	13	)	)	PUNCT
ijtc-1243	115	14	,	,	PUNCT
ijtc-1243	115	15	which	which	PRON
ijtc-1243	115	16	also	also	ADV
ijtc-1243	115	17	found	find	VERB
ijtc-1243	115	18	that	that	SCONJ
ijtc-1243	115	19	promotion	promotion	NOUN
ijtc-1243	115	20	has	have	VERB
ijtc-1243	115	21	a	a	DET
ijtc-1243	115	22	positive	positive	ADJ
ijtc-1243	115	23	but	but	CCONJ
ijtc-1243	115	24	insignificant	insignificant	ADJ
ijtc-1243	115	25	effect	effect	NOUN
ijtc-1243	115	26	.	.	PUNCT
ijtc-1243	116	1	however	however	ADV
ijtc-1243	116	2	,	,	PUNCT
ijtc-1243	116	3	this	this	DET
ijtc-1243	116	4	result	result	NOUN
ijtc-1243	116	5	contrasts	contrast	VERB
ijtc-1243	116	6	with	with	ADP
ijtc-1243	116	7	(	(	PUNCT
ijtc-1243	116	8	mujib	mujib	PROPN
ijtc-1243	116	9	&	&	CCONJ
ijtc-1243	116	10	amin	amin	PROPN
ijtc-1243	116	11	,	,	PUNCT
ijtc-1243	116	12	2023	2023	NUM
ijtc-1243	116	13	)	)	PUNCT
ijtc-1243	116	14	research	research	NOUN
ijtc-1243	116	15	,	,	PUNCT
ijtc-1243	116	16	which	which	PRON
ijtc-1243	116	17	identified	identify	VERB
ijtc-1243	116	18	a	a	DET
ijtc-1243	116	19	significant	significant	ADJ
ijtc-1243	116	20	positive	positive	ADJ
ijtc-1243	116	21	impact	impact	NOUN
ijtc-1243	116	22	of	of	ADP
ijtc-1243	116	23	perceived	perceive	VERB
ijtc-1243	116	24	promotion	promotion	NOUN
ijtc-1243	116	25	on	on	ADP
ijtc-1243	116	26	customer	customer	NOUN
ijtc-1243	116	27	interest	interest	NOUN
ijtc-1243	116	28	in	in	ADP
ijtc-1243	116	29	using	use	VERB
ijtc-1243	116	30	qris	qris	NOUN
ijtc-1243	116	31	in	in	ADP
ijtc-1243	116	32	surabaya	surabaya	PROPN
ijtc-1243	116	33	.	.	PUNCT
ijtc-1243	117	1	this	this	DET
ijtc-1243	117	2	discrepancy	discrepancy	NOUN
ijtc-1243	117	3	suggests	suggest	VERB
ijtc-1243	117	4	that	that	SCONJ
ijtc-1243	117	5	while	while	SCONJ
ijtc-1243	117	6	promotion	promotion	NOUN
ijtc-1243	117	7	is	be	AUX
ijtc-1243	117	8	a	a	DET
ijtc-1243	117	9	key	key	ADJ
ijtc-1243	117	10	factor	factor	NOUN
ijtc-1243	117	11	in	in	ADP
ijtc-1243	117	12	capturing	capture	VERB
ijtc-1243	117	13	consumer	consumer	NOUN
ijtc-1243	117	14	attention	attention	NOUN
ijtc-1243	117	15	,	,	PUNCT
ijtc-1243	117	16	qris	qris	NOUN
ijtc-1243	117	17	promotions	promotion	NOUN
ijtc-1243	117	18	may	may	AUX
ijtc-1243	117	19	not	not	PART
ijtc-1243	117	20	be	be	AUX
ijtc-1243	117	21	as	as	ADV
ijtc-1243	117	22	competitive	competitive	ADJ
ijtc-1243	117	23	as	as	ADP
ijtc-1243	117	24	other	other	ADJ
ijtc-1243	117	25	payment	payment	NOUN
ijtc-1243	117	26	methods	method	NOUN
ijtc-1243	117	27	like	like	ADP
ijtc-1243	117	28	gopay	gopay	NOUN
ijtc-1243	117	29	and	and	CCONJ
ijtc-1243	117	30	linkaja	linkaja	PROPN
ijtc-1243	117	31	,	,	PUNCT
ijtc-1243	117	32	which	which	PRON
ijtc-1243	117	33	offer	offer	VERB
ijtc-1243	117	34	more	more	ADV
ijtc-1243	117	35	appealing	appealing	ADJ
ijtc-1243	117	36	and	and	CCONJ
ijtc-1243	117	37	frequent	frequent	ADJ
ijtc-1243	117	38	promotions	promotion	NOUN
ijtc-1243	117	39	.	.	PUNCT
ijtc-1243	118	1	therefore	therefore	ADV
ijtc-1243	118	2	,	,	PUNCT
ijtc-1243	118	3	to	to	PART
ijtc-1243	118	4	enhance	enhance	VERB
ijtc-1243	118	5	qris	qris	PROPN
ijtc-1243	118	6	's	's	PART
ijtc-1243	118	7	appeial	appeial	ADJ
ijtc-1243	118	8	,	,	PUNCT
ijtc-1243	118	9	it	it	PRON
ijtc-1243	118	10	is	be	AUX
ijtc-1243	118	11	essential	essential	ADJ
ijtc-1243	118	12	to	to	PART
ijtc-1243	118	13	reassess	reassess	VERB
ijtc-1243	118	14	and	and	CCONJ
ijtc-1243	118	15	improve	improve	VERB
ijtc-1243	118	16	promotional	promotional	ADJ
ijtc-1243	118	17	strategies	strategy	NOUN
ijtc-1243	118	18	,	,	PUNCT
ijtc-1243	118	19	incorporating	incorporate	VERB
ijtc-1243	118	20	more	more	ADV
ijtc-1243	118	21	aggressive	aggressive	ADJ
ijtc-1243	118	22	and	and	CCONJ
ijtc-1243	118	23	creative	creative	ADJ
ijtc-1243	118	24	promotional	promotional	ADJ
ijtc-1243	118	25	techniques	technique	NOUN
ijtc-1243	118	26	.	.	PUNCT
ijtc-1243	119	1	(	(	PUNCT
ijtc-1243	119	2	ghozali	ghozali	VERB
ijtc-1243	119	3	,	,	PUNCT
ijtc-1243	119	4	2021	2021	NUM
ijtc-1243	119	5	)	)	PUNCT
ijtc-1243	119	6	second	second	ADJ
ijtc-1243	119	7	,	,	PUNCT
ijtc-1243	119	8	in	in	ADP
ijtc-1243	119	9	terms	term	NOUN
ijtc-1243	119	10	of	of	ADP
ijtc-1243	119	11	perceived	perceive	VERB
ijtc-1243	119	12	ease	ease	NOUN
ijtc-1243	119	13	of	of	ADP
ijtc-1243	119	14	use	use	NOUN
ijtc-1243	119	15	,	,	PUNCT
ijtc-1243	119	16	the	the	DET
ijtc-1243	119	17	results	result	NOUN
ijtc-1243	119	18	of	of	ADP
ijtc-1243	119	19	this	this	DET
ijtc-1243	119	20	study	study	NOUN
ijtc-1243	119	21	indicate	indicate	VERB
ijtc-1243	119	22	that	that	SCONJ
ijtc-1243	119	23	the	the	DET
ijtc-1243	119	24	perceived	perceive	VERB
ijtc-1243	119	25	ease	ease	NOUN
ijtc-1243	119	26	of	of	ADP
ijtc-1243	119	27	use	use	NOUN
ijtc-1243	119	28	of	of	ADP
ijtc-1243	119	29	qris	qris	NOUN
ijtc-1243	119	30	does	do	AUX
ijtc-1243	119	31	not	not	PART
ijtc-1243	119	32	have	have	VERB
ijtc-1243	119	33	a	a	DET
ijtc-1243	119	34	significant	significant	ADJ
ijtc-1243	119	35	influence	influence	NOUN
ijtc-1243	119	36	on	on	ADP
ijtc-1243	119	37	user	user	NOUN
ijtc-1243	119	38	interest	interest	NOUN
ijtc-1243	119	39	.	.	PUNCT
ijtc-1243	120	1	this	this	DET
ijtc-1243	120	2	finding	finding	NOUN
ijtc-1243	120	3	is	be	AUX
ijtc-1243	120	4	in	in	ADP
ijtc-1243	120	5	line	line	NOUN
ijtc-1243	120	6	with	with	ADP
ijtc-1243	120	7	(	(	PUNCT
ijtc-1243	120	8	mulyati	mulyati	PROPN
ijtc-1243	120	9	,	,	PUNCT
ijtc-1243	120	10	2023	2023	NUM
ijtc-1243	120	11	)	)	PUNCT
ijtc-1243	120	12	which	which	PRON
ijtc-1243	120	13	also	also	ADV
ijtc-1243	120	14	states	state	VERB
ijtc-1243	120	15	that	that	SCONJ
ijtc-1243	120	16	ease	ease	NOUN
ijtc-1243	120	17	of	of	ADP
ijtc-1243	120	18	use	use	NOUN
ijtc-1243	120	19	has	have	VERB
ijtc-1243	120	20	no	no	DET
ijtc-1243	120	21	effect	effect	NOUN
ijtc-1243	120	22	on	on	ADP
ijtc-1243	120	23	qris	qris	PROPN
ijtc-1243	120	24	user	user	NOUN
ijtc-1243	120	25	interest	interest	NOUN
ijtc-1243	120	26	.	.	PUNCT
ijtc-1243	121	1	however	however	ADV
ijtc-1243	121	2	,	,	PUNCT
ijtc-1243	121	3	this	this	PRON
ijtc-1243	121	4	is	be	AUX
ijtc-1243	121	5	different	different	ADJ
ijtc-1243	121	6	from	from	ADP
ijtc-1243	121	7	the	the	DET
ijtc-1243	121	8	results	result	NOUN
ijtc-1243	121	9	of	of	ADP
ijtc-1243	121	10	research	research	NOUN
ijtc-1243	121	11	by	by	ADP
ijtc-1243	121	12	ningsih	ningsih	NOUN
ijtc-1243	121	13	,	,	PUNCT
ijtc-1243	121	14	sasmita	sasmita	PROPN
ijtc-1243	121	15	&	&	CCONJ
ijtc-1243	121	16	sari	sari	PROPN
ijtc-1243	121	17	(	(	PUNCT
ijtc-1243	121	18	2021	2021	NUM
ijtc-1243	121	19	)	)	PUNCT
ijtc-1243	121	20	which	which	PRON
ijtc-1243	121	21	found	find	VERB
ijtc-1243	121	22	that	that	SCONJ
ijtc-1243	121	23	ease	ease	NOUN
ijtc-1243	121	24	of	of	ADP
ijtc-1243	121	25	use	use	NOUN
ijtc-1243	121	26	has	have	VERB
ijtc-1243	121	27	a	a	DET
ijtc-1243	121	28	positive	positive	ADJ
ijtc-1243	121	29	and	and	CCONJ
ijtc-1243	121	30	significant	significant	ADJ
ijtc-1243	121	31	effect	effect	NOUN
ijtc-1243	121	32	.	.	PUNCT
ijtc-1243	122	1	these	these	DET
ijtc-1243	122	2	findings	finding	NOUN
ijtc-1243	122	3	indicate	indicate	VERB
ijtc-1243	122	4	that	that	SCONJ
ijtc-1243	122	5	although	although	SCONJ
ijtc-1243	122	6	qris	qris	NOUN
ijtc-1243	122	7	is	be	AUX
ijtc-1243	122	8	designed	design	VERB
ijtc-1243	122	9	to	to	PART
ijtc-1243	122	10	facilitate	facilitate	VERB
ijtc-1243	122	11	transactions	transaction	NOUN
ijtc-1243	122	12	,	,	PUNCT
ijtc-1243	122	13	users	user	NOUN
ijtc-1243	122	14	'	'	PART
ijtc-1243	122	15	lack	lack	NOUN
ijtc-1243	122	16	of	of	ADP
ijtc-1243	122	17	understanding	understanding	NOUN
ijtc-1243	122	18	and	and	CCONJ
ijtc-1243	122	19	experience	experience	NOUN
ijtc-1243	122	20	with	with	ADP
ijtc-1243	122	21	this	this	DET
ijtc-1243	122	22	system	system	NOUN
ijtc-1243	122	23	can	can	AUX
ijtc-1243	122	24	be	be	AUX
ijtc-1243	122	25	a	a	DET
ijtc-1243	122	26	major	major	ADJ
ijtc-1243	122	27	inhibiting	inhibit	VERB
ijtc-1243	122	28	factor	factor	NOUN
ijtc-1243	122	29	in	in	ADP
ijtc-1243	122	30	its	its	PRON
ijtc-1243	122	31	adoption	adoption	NOUN
ijtc-1243	122	32	.	.	PUNCT
ijtc-1243	123	1	therefore	therefore	ADV
ijtc-1243	123	2	,	,	PUNCT
ijtc-1243	123	3	it	it	PRON
ijtc-1243	123	4	is	be	AUX
ijtc-1243	123	5	important	important	ADJ
ijtc-1243	123	6	to	to	PART
ijtc-1243	123	7	increase	increase	VERB
ijtc-1243	123	8	education	education	NOUN
ijtc-1243	123	9	and	and	CCONJ
ijtc-1243	123	10	socialization	socialization	NOUN
ijtc-1243	123	11	efforts	effort	NOUN
ijtc-1243	123	12	regarding	regard	VERB
ijtc-1243	123	13	how	how	SCONJ
ijtc-1243	123	14	to	to	PART
ijtc-1243	123	15	use	use	VERB
ijtc-1243	123	16	qris	qris	NOUN
ijtc-1243	123	17	,	,	PUNCT
ijtc-1243	123	18	so	so	SCONJ
ijtc-1243	123	19	that	that	SCONJ
ijtc-1243	123	20	users	user	NOUN
ijtc-1243	123	21	feel	feel	VERB
ijtc-1243	123	22	more	more	ADV
ijtc-1243	123	23	comfortable	comfortable	ADJ
ijtc-1243	123	24	and	and	CCONJ
ijtc-1243	123	25	confident	confident	ADJ
ijtc-1243	123	26	in	in	ADP
ijtc-1243	123	27	using	use	VERB
ijtc-1243	123	28	this	this	DET
ijtc-1243	123	29	technology	technology	NOUN
ijtc-1243	123	30	.	.	PUNCT
ijtc-1243	124	1	third	third	ADJ
ijtc-1243	124	2	,	,	PUNCT
ijtc-1243	124	3	regarding	regard	VERB
ijtc-1243	124	4	perceived	perceive	VERB
ijtc-1243	124	5	risk	risk	NOUN
ijtc-1243	124	6	of	of	ADP
ijtc-1243	124	7	use	use	NOUN
ijtc-1243	124	8	,	,	PUNCT
ijtc-1243	124	9	the	the	DET
ijtc-1243	124	10	results	result	NOUN
ijtc-1243	124	11	of	of	ADP
ijtc-1243	124	12	this	this	DET
ijtc-1243	124	13	study	study	NOUN
ijtc-1243	124	14	indicate	indicate	VERB
ijtc-1243	124	15	that	that	SCONJ
ijtc-1243	124	16	perceived	perceive	VERB
ijtc-1243	124	17	risk	risk	NOUN
ijtc-1243	124	18	does	do	AUX
ijtc-1243	124	19	not	not	PART
ijtc-1243	124	20	have	have	VERB
ijtc-1243	124	21	a	a	DET
ijtc-1243	124	22	significant	significant	ADJ
ijtc-1243	124	23	effect	effect	NOUN
ijtc-1243	124	24	on	on	ADP
ijtc-1243	124	25	interest	interest	NOUN
ijtc-1243	124	26	in	in	ADP
ijtc-1243	124	27	using	use	VERB
ijtc-1243	124	28	qris	qris	NOUN
ijtc-1243	124	29	,	,	PUNCT
ijtc-1243	124	30	in	in	ADP
ijtc-1243	124	31	line	line	NOUN
ijtc-1243	124	32	with	with	ADP
ijtc-1243	124	33	mulyati	mulyati	NOUN
ijtc-1243	124	34	's	's	PART
ijtc-1243	124	35	research	research	NOUN
ijtc-1243	124	36	(	(	PUNCT
ijtc-1243	124	37	2023	2023	NUM
ijtc-1243	124	38	)	)	PUNCT
ijtc-1243	124	39	.	.	PUNCT
ijtc-1243	125	1	however	however	ADV
ijtc-1243	125	2	,	,	PUNCT
ijtc-1243	125	3	this	this	DET
ijtc-1243	125	4	result	result	NOUN
ijtc-1243	125	5	is	be	AUX
ijtc-1243	125	6	different	different	ADJ
ijtc-1243	125	7	from	from	ADP
ijtc-1243	125	8	the	the	DET
ijtc-1243	125	9	research	research	NOUN
ijtc-1243	125	10	of	of	ADP
ijtc-1243	125	11	(	(	PUNCT
ijtc-1243	125	12	fadhli	fadhli	NOUN
ijtc-1243	125	13	&	&	CCONJ
ijtc-1243	125	14	fachruddin	fachruddin	PROPN
ijtc-1243	125	15	,	,	PUNCT
ijtc-1243	125	16	2016	2016	NUM
ijtc-1243	125	17	)	)	PUNCT
ijtc-1243	125	18	which	which	PRON
ijtc-1243	125	19	found	find	VERB
ijtc-1243	125	20	that	that	SCONJ
ijtc-1243	125	21	risk	risk	NOUN
ijtc-1243	125	22	perception	perception	NOUN
ijtc-1243	125	23	has	have	VERB
ijtc-1243	125	24	a	a	DET
ijtc-1243	125	25	negative	negative	ADJ
ijtc-1243	125	26	effect	effect	NOUN
ijtc-1243	125	27	on	on	ADP
ijtc-1243	125	28	the	the	DET
ijtc-1243	125	29	use	use	NOUN
ijtc-1243	125	30	of	of	ADP
ijtc-1243	125	31	internet	internet	NOUN
ijtc-1243	125	32	banking	banking	NOUN
ijtc-1243	125	33	.	.	PUNCT
ijtc-1243	126	1	although	although	SCONJ
ijtc-1243	126	2	the	the	DET
ijtc-1243	126	3	risk	risk	NOUN
ijtc-1243	126	4	perception	perception	NOUN
ijtc-1243	126	5	of	of	ADP
ijtc-1243	126	6	qris	qris	NOUN
ijtc-1243	126	7	has	have	VERB
ijtc-1243	126	8	no	no	DET
ijtc-1243	126	9	effect	effect	NOUN
ijtc-1243	126	10	on	on	ADP
ijtc-1243	126	11	user	user	NOUN
ijtc-1243	126	12	interest	interest	NOUN
ijtc-1243	126	13	in	in	ADP
ijtc-1243	126	14	this	this	DET
ijtc-1243	126	15	study	study	NOUN
ijtc-1243	126	16	,	,	PUNCT
ijtc-1243	126	17	it	it	PRON
ijtc-1243	126	18	is	be	AUX
ijtc-1243	126	19	still	still	ADV
ijtc-1243	126	20	important	important	ADJ
ijtc-1243	126	21	to	to	PART
ijtc-1243	126	22	maintain	maintain	VERB
ijtc-1243	126	23	and	and	CCONJ
ijtc-1243	126	24	improve	improve	VERB
ijtc-1243	126	25	security	security	NOUN
ijtc-1243	126	26	and	and	CCONJ
ijtc-1243	126	27	transparency	transparency	NOUN
ijtc-1243	126	28	measures	measure	NOUN
ijtc-1243	126	29	in	in	ADP
ijtc-1243	126	30	the	the	DET
ijtc-1243	126	31	qris	qris	NOUN
ijtc-1243	126	32	payment	payment	NOUN
ijtc-1243	126	33	system	system	NOUN
ijtc-1243	126	34	.	.	PUNCT
ijtc-1243	127	1	security	security	NOUN
ijtc-1243	127	2	and	and	CCONJ
ijtc-1243	127	3	protection	protection	NOUN
ijtc-1243	127	4	of	of	ADP
ijtc-1243	127	5	user	user	NOUN
ijtc-1243	127	6	data	datum	NOUN
ijtc-1243	127	7	are	be	AUX
ijtc-1243	127	8	crucial	crucial	ADJ
ijtc-1243	127	9	factors	factor	NOUN
ijtc-1243	127	10	that	that	PRON
ijtc-1243	127	11	can	can	AUX
ijtc-1243	127	12	affect	affect	VERB
ijtc-1243	127	13	user	user	NOUN
ijtc-1243	127	14	trust	trust	NOUN
ijtc-1243	127	15	and	and	CCONJ
ijtc-1243	127	16	convenience	convenience	NOUN
ijtc-1243	127	17	.	.	PUNCT
ijtc-1243	128	1	if	if	SCONJ
ijtc-1243	128	2	qris	qris	NOUN
ijtc-1243	128	3	can	can	AUX
ijtc-1243	128	4	maintain	maintain	VERB
ijtc-1243	128	5	high	high	ADJ
ijtc-1243	128	6	security	security	NOUN
ijtc-1243	128	7	standards	standard	NOUN
ijtc-1243	128	8	and	and	CCONJ
ijtc-1243	128	9	address	address	VERB
ijtc-1243	128	10	security	security	NOUN
ijtc-1243	128	11	issues	issue	NOUN
ijtc-1243	128	12	quickly	quickly	ADV
ijtc-1243	128	13	and	and	CCONJ
ijtc-1243	128	14	effectively	effectively	ADV
ijtc-1243	128	15	,	,	PUNCT
ijtc-1243	128	16	then	then	ADV
ijtc-1243	128	17	the	the	DET
ijtc-1243	128	18	perception	perception	NOUN
ijtc-1243	128	19	of	of	ADP
ijtc-1243	128	20	risk	risk	NOUN
ijtc-1243	128	21	can	can	AUX
ijtc-1243	128	22	be	be	AUX
ijtc-1243	128	23	minimized	minimize	VERB
ijtc-1243	128	24	,	,	PUNCT
ijtc-1243	128	25	which	which	PRON
ijtc-1243	128	26	in	in	ADP
ijtc-1243	128	27	turn	turn	NOUN
ijtc-1243	128	28	can	can	AUX
ijtc-1243	128	29	increase	increase	VERB
ijtc-1243	128	30	user	user	NOUN
ijtc-1243	128	31	interest	interest	NOUN
ijtc-1243	128	32	and	and	CCONJ
ijtc-1243	128	33	adoption	adoption	NOUN
ijtc-1243	128	34	.	.	PUNCT
ijtc-1243	129	1	overall	overall	ADV
ijtc-1243	129	2	,	,	PUNCT
ijtc-1243	129	3	this	this	DET
ijtc-1243	129	4	study	study	NOUN
ijtc-1243	129	5	makes	make	VERB
ijtc-1243	129	6	a	a	DET
ijtc-1243	129	7	significant	significant	ADJ
ijtc-1243	129	8	contribution	contribution	NOUN
ijtc-1243	129	9	in	in	ADP
ijtc-1243	129	10	understanding	understand	VERB
ijtc-1243	129	11	the	the	DET
ijtc-1243	129	12	factors	factor	NOUN
ijtc-1243	129	13	that	that	PRON
ijtc-1243	129	14	influence	influence	VERB
ijtc-1243	129	15	interest	interest	NOUN
ijtc-1243	129	16	in	in	ADP
ijtc-1243	129	17	using	use	VERB
ijtc-1243	129	18	qris	qris	NOUN
ijtc-1243	129	19	and	and	CCONJ
ijtc-1243	129	20	how	how	SCONJ
ijtc-1243	129	21	they	they	PRON
ijtc-1243	129	22	differ	differ	VERB
ijtc-1243	129	23	from	from	ADP
ijtc-1243	129	24	previous	previous	ADJ
ijtc-1243	129	25	research	research	NOUN
ijtc-1243	129	26	findings	finding	NOUN
ijtc-1243	129	27	.	.	PUNCT
ijtc-1243	130	1	the	the	DET
ijtc-1243	130	2	findings	finding	NOUN
ijtc-1243	130	3	underscore	underscore	VERB
ijtc-1243	130	4	the	the	DET
ijtc-1243	130	5	importance	importance	NOUN
ijtc-1243	130	6	of	of	ADP
ijtc-1243	130	7	improved	improved	ADJ
ijtc-1243	130	8	promotional	promotional	ADJ
ijtc-1243	130	9	strategies	strategy	NOUN
ijtc-1243	130	10	,	,	PUNCT
ijtc-1243	130	11	increased	increase	VERB
ijtc-1243	130	12	user	user	NOUN
ijtc-1243	130	13	education	education	NOUN
ijtc-1243	130	14	,	,	PUNCT
ijtc-1243	130	15	as	as	ADV
ijtc-1243	130	16	well	well	ADV
ijtc-1243	130	17	as	as	ADP
ijtc-1243	130	18	reinforcement	reinforcement	NOUN
ijtc-1243	130	19	of	of	ADP
ijtc-1243	130	20	high	high	ADJ
ijtc-1243	130	21	security	security	NOUN
ijtc-1243	130	22	standards	standard	NOUN
ijtc-1243	130	23	in	in	ADP
ijtc-1243	130	24	influencing	influence	VERB
ijtc-1243	130	25	interest	interest	NOUN
ijtc-1243	130	26	in	in	ADP
ijtc-1243	130	27	using	use	VERB
ijtc-1243	130	28	qris	qris	NOUN
ijtc-1243	130	29	.	.	PUNCT
ijtc-1243	131	1	the	the	DET
ijtc-1243	131	2	practical	practical	ADJ
ijtc-1243	131	3	implications	implication	NOUN
ijtc-1243	131	4	of	of	ADP
ijtc-1243	131	5	this	this	DET
ijtc-1243	131	6	research	research	NOUN
ijtc-1243	131	7	includes	include	VERB
ijtc-1243	131	8	the	the	DET
ijtc-1243	131	9	need	need	NOUN
ijtc-1243	131	10	for	for	SCONJ
ijtc-1243	131	11	qris	qris	NOUN
ijtc-1243	131	12	managers	manager	NOUN
ijtc-1243	131	13	to	to	PART
ijtc-1243	131	14	adjust	adjust	VERB
ijtc-1243	131	15	promotional	promotional	ADJ
ijtc-1243	131	16	and	and	CCONJ
ijtc-1243	131	17	educational	educational	ADJ
ijtc-1243	131	18	strategies	strategy	NOUN
ijtc-1243	131	19	,	,	PUNCT
ijtc-1243	131	20	and	and	CCONJ
ijtc-1243	131	21	ensure	ensure	VERB
ijtc-1243	131	22	system	system	NOUN
ijtc-1243	131	23	security	security	NOUN
ijtc-1243	131	24	that	that	PRON
ijtc-1243	131	25	can	can	AUX
ijtc-1243	131	26	increase	increase	VERB
ijtc-1243	131	27	user	user	NOUN
ijtc-1243	131	28	trust	trust	NOUN
ijtc-1243	131	29	and	and	CCONJ
ijtc-1243	131	30	satisfaction	satisfaction	NOUN
ijtc-1243	131	31	.	.	PUNCT
ijtc-1243	132	1	conclusion	conclusion	NOUN
ijtc-1243	132	2	based	base	VERB
ijtc-1243	132	3	on	on	ADP
ijtc-1243	132	4	the	the	DET
ijtc-1243	132	5	test	test	NOUN
ijtc-1243	132	6	results	result	NOUN
ijtc-1243	132	7	and	and	CCONJ
ijtc-1243	132	8	discussion	discussion	NOUN
ijtc-1243	132	9	,	,	PUNCT
ijtc-1243	132	10	the	the	DET
ijtc-1243	132	11	conclusion	conclusion	NOUN
ijtc-1243	132	12	of	of	ADP
ijtc-1243	132	13	this	this	DET
ijtc-1243	132	14	study	study	NOUN
ijtc-1243	132	15	shows	show	VERB
ijtc-1243	132	16	that	that	SCONJ
ijtc-1243	132	17	the	the	DET
ijtc-1243	132	18	perception	perception	NOUN
ijtc-1243	132	19	of	of	ADP
ijtc-1243	132	20	promotional	promotional	ADJ
ijtc-1243	132	21	attractiveness	attractiveness	NOUN
ijtc-1243	132	22	,	,	PUNCT
ijtc-1243	132	23	ease	ease	NOUN
ijtc-1243	132	24	of	of	ADP
ijtc-1243	132	25	use	use	NOUN
ijtc-1243	132	26	,	,	PUNCT
ijtc-1243	132	27	and	and	CCONJ
ijtc-1243	132	28	risk	risk	NOUN
ijtc-1243	132	29	of	of	ADP
ijtc-1243	132	30	use	use	NOUN
ijtc-1243	132	31	does	do	AUX
ijtc-1243	132	32	not	not	PART
ijtc-1243	132	33	have	have	VERB
ijtc-1243	132	34	a	a	DET
ijtc-1243	132	35	significant	significant	ADJ
ijtc-1243	132	36	effect	effect	NOUN
ijtc-1243	132	37	on	on	ADP
ijtc-1243	132	38	interest	interest	NOUN
ijtc-1243	132	39	in	in	ADP
ijtc-1243	132	40	using	use	VERB
ijtc-1243	132	41	qris	qris	ADJ
ijtc-1243	132	42	financial	financial	ADJ
ijtc-1243	132	43	technology	technology	NOUN
ijtc-1243	132	44	.	.	PUNCT
ijtc-1243	133	1	qris	qris	NOUN
ijtc-1243	133	2	users	user	NOUN
ijtc-1243	133	3	feel	feel	VERB
ijtc-1243	133	4	that	that	SCONJ
ijtc-1243	133	5	the	the	DET
ijtc-1243	133	6	promotions	promotion	NOUN
ijtc-1243	133	7	offered	offer	VERB
ijtc-1243	133	8	are	be	AUX
ijtc-1243	133	9	still	still	ADV
ijtc-1243	133	10	lacking	lack	VERB
ijtc-1243	133	11	,	,	PUNCT
ijtc-1243	133	12	the	the	DET
ijtc-1243	133	13	ease	ease	NOUN
ijtc-1243	133	14	of	of	ADP
ijtc-1243	133	15	use	use	NOUN
ijtc-1243	133	16	of	of	ADP
ijtc-1243	133	17	qris	qris	NOUN
ijtc-1243	133	18	is	be	AUX
ijtc-1243	133	19	not	not	PART
ijtc-1243	133	20	fully	fully	ADV
ijtc-1243	133	21	understood	understand	VERB
ijtc-1243	133	22	even	even	ADV
ijtc-1243	133	23	though	though	SCONJ
ijtc-1243	133	24	it	it	PRON
ijtc-1243	133	25	has	have	AUX
ijtc-1243	133	26	been	be	AUX
ijtc-1243	133	27	introduced	introduce	VERB
ijtc-1243	133	28	as	as	ADP
ijtc-1243	133	29	an	an	DET
ijtc-1243	133	30	easy	easy	ADJ
ijtc-1243	133	31	and	and	CCONJ
ijtc-1243	133	32	reliable	reliable	ADJ
ijtc-1243	133	33	electronic	electronic	ADJ
ijtc-1243	133	34	payment	payment	NOUN
ijtc-1243	133	35	standard	standard	NOUN
ijtc-1243	133	36	,	,	PUNCT
ijtc-1243	133	37	and	and	CCONJ
ijtc-1243	133	38	perceptions	perception	NOUN
ijtc-1243	133	39	of	of	ADP
ijtc-1243	133	40	usage	usage	NOUN
ijtc-1243	133	41	risk	risk	NOUN
ijtc-1243	133	42	have	have	VERB
ijtc-1243	133	43	no	no	DET
ijtc-1243	133	44	effect	effect	NOUN
ijtc-1243	133	45	on	on	ADP
ijtc-1243	133	46	user	user	NOUN
ijtc-1243	133	47	interest	interest	NOUN
ijtc-1243	133	48	.	.	PUNCT
ijtc-1243	134	1	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	134	2	qris	qris	NOUN
ijtc-1243	134	3	:	:	PUNCT
ijtc-1243	134	4	awareness	awareness	NOUN
ijtc-1243	134	5	and	and	CCONJ
ijtc-1243	134	6	understanding	understand	VERB
ijtc-1243	134	7	the	the	DET
ijtc-1243	134	8	key	key	ADJ
ijtc-1243	134	9	drivers	driver	NOUN
ijtc-1243	134	10	yuniarti	yuniarti	VERB
ijtc-1243	134	11	,	,	PUNCT
ijtc-1243	134	12	septiani	septiani	NOUN
ijtc-1243	134	13	,	,	PUNCT
ijtc-1243	134	14	rusmianto	rusmianto	PROPN
ijtc-1243	134	15	.	.	PROPN
ijtc-1243	134	16	,	,	PUNCT
ijtc-1243	134	17	wijaya	wijaya	PROPN
ijtc-1243	134	18	,	,	PUNCT
ijtc-1243	134	19	and	and	CCONJ
ijtc-1243	134	20	kurniawan	kurniawan	VERB
ijtc-1243	134	21	10	10	NUM
ijtc-1243	134	22	|	|	ADV
ijtc-1243	134	23	ilomata	ilomata	PROPN
ijtc-1243	134	24	international	international	ADJ
ijtc-1243	134	25	journal	journal	NOUN
ijtc-1243	134	26	of	of	ADP
ijtc-1243	134	27	tax	tax	PROPN
ijtc-1243	134	28	&	&	CCONJ
ijtc-1243	134	29	accounting	account	VERB
ijtc-1243	134	30	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	134	31	for	for	ADP
ijtc-1243	134	32	future	future	ADJ
ijtc-1243	134	33	research	research	NOUN
ijtc-1243	134	34	,	,	PUNCT
ijtc-1243	134	35	it	it	PRON
ijtc-1243	134	36	is	be	AUX
ijtc-1243	134	37	recommended	recommend	VERB
ijtc-1243	134	38	that	that	SCONJ
ijtc-1243	134	39	researchers	researcher	NOUN
ijtc-1243	134	40	add	add	VERB
ijtc-1243	134	41	additional	additional	ADJ
ijtc-1243	134	42	variables	variable	NOUN
ijtc-1243	134	43	such	such	ADJ
ijtc-1243	134	44	as	as	ADP
ijtc-1243	134	45	user	user	NOUN
ijtc-1243	134	46	satisfaction	satisfaction	NOUN
ijtc-1243	134	47	,	,	PUNCT
ijtc-1243	134	48	system	system	NOUN
ijtc-1243	134	49	reputation	reputation	NOUN
ijtc-1243	134	50	,	,	PUNCT
ijtc-1243	134	51	and	and	CCONJ
ijtc-1243	134	52	system	system	NOUN
ijtc-1243	134	53	quality	quality	NOUN
ijtc-1243	134	54	to	to	PART
ijtc-1243	134	55	get	get	VERB
ijtc-1243	134	56	more	more	ADV
ijtc-1243	134	57	comprehensive	comprehensive	ADJ
ijtc-1243	134	58	results	result	NOUN
ijtc-1243	134	59	.	.	PUNCT
ijtc-1243	135	1	in	in	ADP
ijtc-1243	135	2	addition	addition	NOUN
ijtc-1243	135	3	,	,	PUNCT
ijtc-1243	135	4	the	the	DET
ijtc-1243	135	5	use	use	NOUN
ijtc-1243	135	6	of	of	ADP
ijtc-1243	135	7	better	well	ADJ
ijtc-1243	135	8	data	datum	NOUN
ijtc-1243	135	9	collection	collection	NOUN
ijtc-1243	135	10	methods	method	NOUN
ijtc-1243	135	11	and	and	CCONJ
ijtc-1243	135	12	expansion	expansion	NOUN
ijtc-1243	135	13	of	of	ADP
ijtc-1243	135	14	the	the	DET
ijtc-1243	135	15	population	population	NOUN
ijtc-1243	135	16	,	,	PUNCT
ijtc-1243	135	17	sample	sample	NOUN
ijtc-1243	135	18	,	,	PUNCT
ijtc-1243	135	19	and	and	CCONJ
ijtc-1243	135	20	research	research	NOUN
ijtc-1243	135	21	locations	location	NOUN
ijtc-1243	135	22	will	will	AUX
ijtc-1243	135	23	help	help	VERB
ijtc-1243	135	24	obtain	obtain	VERB
ijtc-1243	135	25	more	more	ADV
ijtc-1243	135	26	accurate	accurate	ADJ
ijtc-1243	135	27	data	datum	NOUN
ijtc-1243	135	28	and	and	CCONJ
ijtc-1243	135	29	produce	produce	VERB
ijtc-1243	135	30	better	well	ADJ
ijtc-1243	135	31	research	research	NOUN
ijtc-1243	135	32	.	.	PUNCT
ijtc-1243	136	1	reference	reference	NOUN
ijtc-1243	136	2	abdillah	abdillah	PROPN
ijtc-1243	136	3	,	,	PUNCT
ijtc-1243	136	4	w.	w.	PROPN
ijtc-1243	136	5	,	,	PUNCT
ijtc-1243	136	6	&	&	CCONJ
ijtc-1243	136	7	hartono	hartono	PROPN
ijtc-1243	136	8	,	,	PUNCT
ijtc-1243	136	9	j.	j.	PROPN
ijtc-1243	136	10	(	(	PUNCT
ijtc-1243	136	11	2015	2015	NUM
ijtc-1243	136	12	)	)	PUNCT
ijtc-1243	136	13	.	.	PUNCT
ijtc-1243	137	1	partial	partial	ADJ
ijtc-1243	137	2	least	least	ADJ
ijtc-1243	137	3	squares	square	NOUN
ijtc-1243	137	4	(	(	PUNCT
ijtc-1243	137	5	pls	pls	INTJ
ijtc-1243	137	6	):	):	PUNCT
ijtc-1243	137	7	an	an	DET
ijtc-1243	137	8	alternative	alternative	NOUN
ijtc-1243	137	9	to	to	ADP
ijtc-1243	137	10	structural	structural	ADJ
ijtc-1243	137	11	equation	equation	NOUN
ijtc-1243	137	12	modeling	modeling	NOUN
ijtc-1243	137	13	(	(	PUNCT
ijtc-1243	137	14	seim	seim	PROPN
ijtc-1243	137	15	.	.	PROPN
ijtc-1243	137	16	aisyah	aisyah	PROPN
ijtc-1243	137	17	,	,	PUNCT
ijtc-1243	137	18	s.	s.	PROPN
ijtc-1243	137	19	,	,	PUNCT
ijtc-1243	137	20	hsb	hsb	PROPN
ijtc-1243	137	21	,	,	PUNCT
ijtc-1243	137	22	d.	d.	PROPN
ijtc-1243	137	23	n.	n.	PROPN
ijtc-1243	137	24	,	,	PUNCT
ijtc-1243	137	25	nurmitha	nurmitha	PROPN
ijtc-1243	137	26	,	,	PUNCT
ijtc-1243	137	27	r.	r.	PROPN
ijtc-1243	137	28	,	,	PUNCT
ijtc-1243	137	29	veronika	veronika	PROPN
ijtc-1243	137	30	,	,	PUNCT
ijtc-1243	137	31	r.	r.	PROPN
ijtc-1243	137	32	,	,	PUNCT
ijtc-1243	137	33	&	&	CCONJ
ijtc-1243	137	34	putra	putra	PROPN
ijtc-1243	137	35	,	,	PUNCT
ijtc-1243	137	36	m.	m.	NOUN
ijtc-1243	137	37	(	(	PUNCT
ijtc-1243	137	38	2023	2023	NUM
ijtc-1243	137	39	)	)	PUNCT
ijtc-1243	137	40	.	.	PUNCT
ijtc-1243	138	1	pengenalan	pengenalan	PROPN
ijtc-1243	138	2	dan	dan	PROPN
ijtc-1243	138	3	implementasi	implementasi	PROPN
ijtc-1243	138	4	sistem	sistem	PROPN
ijtc-1243	138	5	pembayaran	pembayaran	PROPN
ijtc-1243	138	6	menggunakan	menggunakan	PROPN
ijtc-1243	138	7	qris	qris	PROPN
ijtc-1243	138	8	pada	pada	PROPN
ijtc-1243	138	9	mie	mie	PROPN
ijtc-1243	138	10	balap	balap	PROPN
ijtc-1243	138	11	nusa	nusa	PROPN
ijtc-1243	138	12	indah	indah	PROPN
ijtc-1243	138	13	.	.	PUNCT
ijtc-1243	139	1	abdi	abdi	PROPN
ijtc-1243	139	2	:	:	PUNCT
ijtc-1243	139	3	jurnal	jurnal	ADJ
ijtc-1243	139	4	pengabdian	pengabdian	PROPN
ijtc-1243	139	5	dan	dan	PROPN
ijtc-1243	139	6	pemberdayaan	pemberdayaan	PROPN
ijtc-1243	139	7	masyarakat	masyarakat	PROPN
ijtc-1243	139	8	,	,	PUNCT
ijtc-1243	139	9	5(2	5(2	NUM
ijtc-1243	139	10	)	)	PUNCT
ijtc-1243	139	11	,	,	PUNCT
ijtc-1243	139	12	306–311	306–311	NUM
ijtc-1243	139	13	.	.	PUNCT
ijtc-1243	139	14	https://doi.org/10.24036/abdi.v5i2.453	https://doi.org/10.24036/abdi.v5i2.453	PROPN
ijtc-1243	139	15	akhyar	akhyar	PROPN
ijtc-1243	139	16	,	,	PUNCT
ijtc-1243	139	17	r.	r.	PROPN
ijtc-1243	139	18	a.	a.	PROPN
ijtc-1243	139	19	,	,	PUNCT
ijtc-1243	139	20	&	&	CCONJ
ijtc-1243	139	21	sicily	sicily	PROPN
ijtc-1243	139	22	,	,	PUNCT
ijtc-1243	139	23	k.	k.	PROPN
ijtc-1243	139	24	(	(	PUNCT
ijtc-1243	139	25	2023	2023	NUM
ijtc-1243	139	26	)	)	PUNCT
ijtc-1243	139	27	.	.	PUNCT
ijtc-1243	140	1	the	the	DET
ijtc-1243	140	2	effect	effect	NOUN
ijtc-1243	140	3	of	of	ADP
ijtc-1243	140	4	perceived	perceive	VERB
ijtc-1243	140	5	benefits	benefit	NOUN
ijtc-1243	140	6	and	and	CCONJ
ijtc-1243	140	7	perceived	perceive	VERB
ijtc-1243	140	8	ease	ease	NOUN
ijtc-1243	140	9	of	of	ADP
ijtc-1243	140	10	use	use	NOUN
ijtc-1243	140	11	of	of	ADP
ijtc-1243	140	12	reason	reason	NOUN
ijtc-1243	140	13	decisions	decision	NOUN
ijtc-1243	140	14	to	to	PART
ijtc-1243	140	15	use	use	VERB
ijtc-1243	140	16	qris	qris	NOUN
ijtc-1243	140	17	.	.	PUNCT
ijtc-1243	141	1	management	management	NOUN
ijtc-1243	141	2	studies	study	NOUN
ijtc-1243	141	3	and	and	CCONJ
ijtc-1243	141	4	entrepreneurship	entrepreneurship	NOUN
ijtc-1243	141	5	journal	journal	NOUN
ijtc-1243	141	6	,	,	PUNCT
ijtc-1243	141	7	4(4	4(4	NUM
ijtc-1243	141	8	)	)	PUNCT
ijtc-1243	141	9	,	,	PUNCT
ijtc-1243	141	10	3944	3944	NUM
ijtc-1243	141	11	–	–	PUNCT
ijtc-1243	141	12	3953	3953	NUM
ijtc-1243	141	13	.	.	PUNCT
ijtc-1243	142	1	fadhli	fadhli	PROPN
ijtc-1243	142	2	,	,	PUNCT
ijtc-1243	142	3	m.	m.	NOUN
ijtc-1243	142	4	,	,	PUNCT
ijtc-1243	142	5	&	&	CCONJ
ijtc-1243	142	6	fachruddin	fachruddin	PROPN
ijtc-1243	142	7	,	,	PUNCT
ijtc-1243	142	8	r.	r.	PROPN
ijtc-1243	142	9	(	(	PUNCT
ijtc-1243	142	10	2016	2016	NUM
ijtc-1243	142	11	)	)	PUNCT
ijtc-1243	142	12	.	.	PUNCT
ijtc-1243	143	1	the	the	DET
ijtc-1243	143	2	effect	effect	NOUN
ijtc-1243	143	3	of	of	ADP
ijtc-1243	143	4	customer	customer	NOUN
ijtc-1243	143	5	perceptions	perception	NOUN
ijtc-1243	143	6	of	of	ADP
ijtc-1243	143	7	risk	risk	NOUN
ijtc-1243	143	8	,	,	PUNCT
ijtc-1243	143	9	trust	trust	NOUN
ijtc-1243	143	10	,	,	PUNCT
ijtc-1243	143	11	benefits	benefit	NOUN
ijtc-1243	143	12	,	,	PUNCT
ijtc-1243	143	13	and	and	CCONJ
ijtc-1243	143	14	ease	ease	NOUN
ijtc-1243	143	15	of	of	ADP
ijtc-1243	143	16	use	use	NOUN
ijtc-1243	143	17	of	of	ADP
ijtc-1243	143	18	the	the	DET
ijtc-1243	143	19	use	use	NOUN
ijtc-1243	143	20	of	of	ADP
ijtc-1243	143	21	internet	internet	NOUN
ijtc-1243	143	22	banking	banking	NOUN
ijtc-1243	143	23	(	(	PUNCT
ijtc-1243	143	24	empirical	empirical	ADJ
ijtc-1243	143	25	study	study	NOUN
ijtc-1243	143	26	on	on	ADP
ijtc-1243	143	27	commercial	commercial	ADJ
ijtc-1243	143	28	bank	bank	NOUN
ijtc-1243	143	29	customers	customer	NOUN
ijtc-1243	143	30	in	in	ADP
ijtc-1243	143	31	banda	banda	PROPN
ijtc-1243	143	32	aceh	aceh	PROPN
ijtc-1243	143	33	city	city	PROPN
ijtc-1243	143	34	.	.	PUNCT
ijtc-1243	144	1	scientific	scientific	ADJ
ijtc-1243	144	2	journal	journal	NOUN
ijtc-1243	144	3	of	of	ADP
ijtc-1243	144	4	accounting	accounting	NOUN
ijtc-1243	144	5	economics	economic	NOUN
ijtc-1243	144	6	students	student	NOUN
ijtc-1243	144	7	(	(	PUNCT
ijtc-1243	144	8	jimeika	jimeika	X
ijtc-1243	144	9	,	,	PUNCT
ijtc-1243	144	10	1(2	1(2	NUM
ijtc-1243	144	11	)	)	PUNCT
ijtc-1243	144	12	,	,	PUNCT
ijtc-1243	144	13	264–276	264–276	NUM
ijtc-1243	144	14	.	.	PUNCT
ijtc-1243	145	1	ghozali	ghozali	PROPN
ijtc-1243	145	2	,	,	PUNCT
ijtc-1243	145	3	i.	i.	PROPN
ijtc-1243	145	4	(	(	PUNCT
ijtc-1243	145	5	2021	2021	NUM
ijtc-1243	145	6	)	)	PUNCT
ijtc-1243	145	7	.	.	PUNCT
ijtc-1243	146	1	partial	partial	ADJ
ijtc-1243	146	2	least	least	ADJ
ijtc-1243	146	3	square	square	ADJ
ijtc-1243	146	4	concepts	concept	NOUN
ijtc-1243	146	5	,	,	PUNCT
ijtc-1243	146	6	techniques	technique	NOUN
ijtc-1243	146	7	and	and	CCONJ
ijtc-1243	146	8	applications	application	NOUN
ijtc-1243	146	9	using	use	VERB
ijtc-1243	146	10	smartpls	smartpls	PROPN
ijtc-1243	146	11	3.2.9	3.2.9	NUM
ijtc-1243	146	12	program	program	NOUN
ijtc-1243	146	13	for	for	ADP
ijtc-1243	146	14	empirical	empirical	ADJ
ijtc-1243	146	15	research	research	NOUN
ijtc-1243	146	16	(	(	PUNCT
ijtc-1243	146	17	3rd	3rd	PROPN
ijtc-1243	146	18	eid	eid	PROPN
ijtc-1243	146	19	.	.	PUNCT
ijtc-1243	147	1	publishing	publish	VERB
ijtc-1243	147	2	bodyundip	bodyundip	PROPN
ijtc-1243	147	3	.	.	PUNCT
ijtc-1243	148	1	hamdan	hamdan	PROPN
ijtc-1243	148	2	,	,	PUNCT
ijtc-1243	148	3	h.	h.	PROPN
ijtc-1243	148	4	,	,	PUNCT
ijtc-1243	148	5	adiyanto	adiyanto	ADP
ijtc-1243	148	6	,	,	PUNCT
ijtc-1243	148	7	y.	y.	PROPN
ijtc-1243	148	8	,	,	PUNCT
ijtc-1243	148	9	&	&	CCONJ
ijtc-1243	148	10	sunaryo	sunaryo	PROPN
ijtc-1243	148	11	,	,	PUNCT
ijtc-1243	148	12	d.	d.	PROPN
ijtc-1243	148	13	(	(	PUNCT
ijtc-1243	148	14	2024	2024	NUM
ijtc-1243	148	15	)	)	PUNCT
ijtc-1243	148	16	.	.	PUNCT
ijtc-1243	149	1	analysis	analysis	NOUN
ijtc-1243	149	2	of	of	ADP
ijtc-1243	149	3	qris	qris	ADJ
ijtc-1243	149	4	payment	payment	NOUN
ijtc-1243	149	5	system	system	NOUN
ijtc-1243	149	6	financial	financial	ADJ
ijtc-1243	149	7	literacy	literacy	NOUN
ijtc-1243	149	8	and	and	CCONJ
ijtc-1243	149	9	financial	financial	ADJ
ijtc-1243	149	10	management	management	NOUN
ijtc-1243	149	11	performance	performance	NOUN
ijtc-1243	149	12	on	on	ADP
ijtc-1243	149	13	the	the	DET
ijtc-1243	149	14	development	development	NOUN
ijtc-1243	149	15	of	of	ADP
ijtc-1243	149	16	msmes	msmes	PROPN
ijtc-1243	149	17	.	.	PUNCT
ijtc-1243	150	1	ilomata	ilomata	PROPN
ijtc-1243	150	2	international	international	PROPN
ijtc-1243	150	3	journal	journal	PROPN
ijtc-1243	150	4	of	of	ADP
ijtc-1243	150	5	management	management	NOUN
ijtc-1243	150	6	,	,	PUNCT
ijtc-1243	150	7	5(2	5(2	NUM
ijtc-1243	150	8	)	)	PUNCT
ijtc-1243	150	9	,	,	PUNCT
ijtc-1243	150	10	442–453	442–453	NUM
ijtc-1243	150	11	.	.	PUNCT
ijtc-1243	151	1	hu	hu	PROPN
ijtc-1243	151	2	,	,	PUNCT
ijtc-1243	151	3	w.	w.	PROPN
ijtc-1243	151	4	,	,	PUNCT
ijtc-1243	151	5	&	&	CCONJ
ijtc-1243	151	6	li	li	PROPN
ijtc-1243	151	7	,	,	PUNCT
ijtc-1243	151	8	x.	x.	NOUN
ijtc-1243	151	9	(	(	PUNCT
ijtc-1243	151	10	2023	2023	NUM
ijtc-1243	151	11	)	)	PUNCT
ijtc-1243	151	12	.	.	PUNCT
ijtc-1243	152	1	financial	financial	ADJ
ijtc-1243	152	2	technology	technology	NOUN
ijtc-1243	152	3	development	development	NOUN
ijtc-1243	152	4	and	and	CCONJ
ijtc-1243	152	5	green	green	ADJ
ijtc-1243	152	6	total	total	ADJ
ijtc-1243	152	7	factor	factor	NOUN
ijtc-1243	152	8	productivity	productivity	NOUN
ijtc-1243	152	9	.	.	PUNCT
ijtc-1243	153	1	sustainability	sustainability	NOUN
ijtc-1243	153	2	(	(	PUNCT
ijtc-1243	153	3	switzerland	switzerland	PROPN
ijtc-1243	153	4	)	)	PUNCT
ijtc-1243	153	5	,	,	PUNCT
ijtc-1243	153	6	15(13	15(13	NUM
ijtc-1243	153	7	)	)	PUNCT
ijtc-1243	153	8	.	.	PUNCT
ijtc-1243	154	1	https://doi.org/10.3390/su151310309	https://doi.org/10.3390/su151310309	PROPN
ijtc-1243	154	2	irwandi	irwandi	ADJ
ijtc-1243	154	3	,	,	PUNCT
ijtc-1243	154	4	&	&	CCONJ
ijtc-1243	154	5	yuniarti	yuniarti	PROPN
ijtc-1243	154	6	,	,	PUNCT
ijtc-1243	154	7	e.	e.	PROPN
ijtc-1243	154	8	i.	i.	PROPN
ijtc-1243	154	9	(	(	PUNCT
ijtc-1243	154	10	2023	2023	NUM
ijtc-1243	154	11	)	)	PUNCT
ijtc-1243	154	12	.	.	PUNCT
ijtc-1243	155	1	the	the	DET
ijtc-1243	155	2	effect	effect	NOUN
ijtc-1243	155	3	of	of	ADP
ijtc-1243	155	4	accounting	account	VERB
ijtc-1243	155	5	information	information	NOUN
ijtc-1243	155	6	system	system	NOUN
ijtc-1243	155	7	quality	quality	NOUN
ijtc-1243	155	8	and	and	CCONJ
ijtc-1243	155	9	organizational	organizational	ADJ
ijtc-1243	155	10	support	support	NOUN
ijtc-1243	155	11	on	on	ADP
ijtc-1243	155	12	individual	individual	ADJ
ijtc-1243	155	13	performance	performance	NOUN
ijtc-1243	155	14	with	with	ADP
ijtc-1243	155	15	user	user	NOUN
ijtc-1243	155	16	satisfaction	satisfaction	NOUN
ijtc-1243	155	17	as	as	ADP
ijtc-1243	155	18	an	an	DET
ijtc-1243	155	19	intervening	intervene	VERB
ijtc-1243	155	20	variable	variable	NOUN
ijtc-1243	155	21	(	(	PUNCT
ijtc-1243	155	22	study	study	NOUN
ijtc-1243	155	23	on	on	ADP
ijtc-1243	155	24	cooperatives	cooperative	NOUN
ijtc-1243	155	25	in	in	ADP
ijtc-1243	155	26	south	south	PROPN
ijtc-1243	155	27	lampung	lampung	PROPN
ijtc-1243	155	28	.	.	PUNCT
ijtc-1243	156	1	journal	journal	PROPN
ijtc-1243	156	2	of	of	ADP
ijtc-1243	156	3	accounting	accounting	PROPN
ijtc-1243	156	4	&	&	CCONJ
ijtc-1243	156	5	finance	finance	NOUN
ijtc-1243	156	6	,	,	PUNCT
ijtc-1243	156	7	14(1	14(1	NUM
ijtc-1243	156	8	)	)	PUNCT
ijtc-1243	156	9	,	,	PUNCT
ijtc-1243	156	10	83	83	NUM
ijtc-1243	156	11	–	–	SYM
ijtc-1243	156	12	100	100	NUM
ijtc-1243	156	13	.	.	PUNCT
ijtc-1243	157	1	jaya	jaya	PROPN
ijtc-1243	157	2	,	,	PUNCT
ijtc-1243	157	3	n.	n.	PROPN
ijtc-1243	157	4	s.	s.	PROPN
ijtc-1243	157	5	p.	p.	PROPN
ijtc-1243	157	6	(	(	PUNCT
ijtc-1243	157	7	2020	2020	NUM
ijtc-1243	157	8	)	)	PUNCT
ijtc-1243	157	9	.	.	PUNCT
ijtc-1243	158	1	governance	governance	NOUN
ijtc-1243	158	2	and	and	CCONJ
ijtc-1243	158	3	administrative	administrative	ADJ
ijtc-1243	158	4	policy	policy	NOUN
ijtc-1243	158	5	in	in	ADP
ijtc-1243	158	6	village	village	NOUN
ijtc-1243	158	7	financial	financial	ADJ
ijtc-1243	158	8	management	management	NOUN
ijtc-1243	158	9	.	.	PUNCT
ijtc-1243	159	1	international	international	ADJ
ijtc-1243	159	2	journal	journal	PROPN
ijtc-1243	159	3	of	of	ADP
ijtc-1243	159	4	scientific	scientific	ADJ
ijtc-1243	159	5	and	and	CCONJ
ijtc-1243	159	6	technology	technology	NOUN
ijtc-1243	159	7	research	research	NOUN
ijtc-1243	159	8	,	,	PUNCT
ijtc-1243	159	9	9(4	9(4	NUM
ijtc-1243	159	10	)	)	PUNCT
ijtc-1243	159	11	,	,	PUNCT
ijtc-1243	159	12	756–757	756–757	PROPN
ijtc-1243	159	13	.	.	PUNCT
ijtc-1243	160	1	https://www.scopus.com/inward/record.uri?eid=2-s2.085083485942&partnerid=40&md5=bb277d0349e52829f6be2333c61320b0	https://www.scopus.com/inward/record.uri?eid=2-s2.085083485942&partnerid=40&md5=bb277d0349e52829f6be2333c61320b0	PROPN
ijtc-1243	160	2	khofifa	khofifa	PROPN
ijtc-1243	160	3	,	,	PUNCT
ijtc-1243	160	4	a.	a.	NOUN
ijtc-1243	160	5	(	(	PUNCT
ijtc-1243	160	6	2023	2023	NUM
ijtc-1243	160	7	)	)	PUNCT
ijtc-1243	160	8	.	.	PUNCT
ijtc-1243	161	1	pengaruh	pengaruh	PROPN
ijtc-1243	161	2	financial	financial	PROPN
ijtc-1243	161	3	technology	technology	PROPN
ijtc-1243	161	4	terhadap	terhadap	PROPN
ijtc-1243	161	5	perilaku	perilaku	PROPN
ijtc-1243	161	6	keuangan	keuangan	PROPN
ijtc-1243	161	7	dengan	dengan	PROPN
ijtc-1243	161	8	literasi	literasi	PROPN
ijtc-1243	161	9	keuangan	keuangan	PROPN
ijtc-1243	161	10	sebagai	sebagai	PROPN
ijtc-1243	161	11	variabel	variabel	PROPN
ijtc-1243	161	12	intervening	intervene	VERB
ijtc-1243	161	13	pada	pada	PROPN
ijtc-1243	161	14	mahasiswa	mahasiswa	PROPN
ijtc-1243	161	15	fakultas	fakulta	VERB
ijtc-1243	161	16	ekonomi	ekonomi	PROPN
ijtc-1243	161	17	dan	dan	PROPN
ijtc-1243	161	18	bisnis	bisnis	PROPN
ijtc-1243	161	19	universitas	universitas	PROPN
ijtc-1243	161	20	abdurachman	abdurachman	PROPN
ijtc-1243	161	21	saleh	saleh	PROPN
ijtc-1243	161	22	situbondo	situbondo	PROPN
ijtc-1243	161	23	.	.	PUNCT
ijtc-1243	162	1	jurnal	jurnal	PROPN
ijtc-1243	162	2	mahasiswa	mahasiswa	PROPN
ijtc-1243	162	3	enterpreneur	enterpreneur	PROPN
ijtc-1243	162	4	(	(	PUNCT
ijtc-1243	162	5	jme	jme	PROPN
ijtc-1243	162	6	,	,	PUNCT
ijtc-1243	162	7	2(6	2(6	NUM
ijtc-1243	162	8	)	)	PUNCT
ijtc-1243	162	9	,	,	PUNCT
ijtc-1243	162	10	1333–1349	1333–1349	NUM
ijtc-1243	162	11	.	.	PUNCT
ijtc-1243	163	1	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	163	2	qris	qris	NOUN
ijtc-1243	163	3	:	:	PUNCT
ijtc-1243	163	4	awareness	awareness	NOUN
ijtc-1243	163	5	and	and	CCONJ
ijtc-1243	163	6	understanding	understand	VERB
ijtc-1243	163	7	the	the	DET
ijtc-1243	163	8	key	key	ADJ
ijtc-1243	163	9	drivers	driver	NOUN
ijtc-1243	163	10	yuniarti	yuniarti	VERB
ijtc-1243	163	11	,	,	PUNCT
ijtc-1243	163	12	septiani	septiani	NOUN
ijtc-1243	163	13	,	,	PUNCT
ijtc-1243	163	14	rusmianto	rusmianto	PROPN
ijtc-1243	163	15	.	.	PROPN
ijtc-1243	163	16	,	,	PUNCT
ijtc-1243	163	17	wijaya	wijaya	PROPN
ijtc-1243	163	18	,	,	PUNCT
ijtc-1243	163	19	and	and	CCONJ
ijtc-1243	163	20	kurniawan	kurniawan	X
ijtc-1243	163	21	11	11	NUM
ijtc-1243	163	22	|	|	ADV
ijtc-1243	163	23	ilomata	ilomata	PROPN
ijtc-1243	163	24	international	international	ADJ
ijtc-1243	163	25	journal	journal	NOUN
ijtc-1243	163	26	of	of	ADP
ijtc-1243	163	27	tax	tax	PROPN
ijtc-1243	163	28	&	&	CCONJ
ijtc-1243	163	29	accounting	account	VERB
ijtc-1243	163	30	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	163	31	komalawati	komalawati	PROPN
ijtc-1243	163	32	,	,	PUNCT
ijtc-1243	163	33	e.	e.	PROPN
ijtc-1243	163	34	,	,	PUNCT
ijtc-1243	163	35	&	&	CCONJ
ijtc-1243	163	36	ariftio	ariftio	PROPN
ijtc-1243	163	37	,	,	PUNCT
ijtc-1243	163	38	r.	r.	PROPN
ijtc-1243	163	39	(	(	PUNCT
ijtc-1243	163	40	2021	2021	NUM
ijtc-1243	163	41	)	)	PUNCT
ijtc-1243	163	42	.	.	PUNCT
ijtc-1243	164	1	utilization	utilization	NOUN
ijtc-1243	164	2	of	of	ADP
ijtc-1243	164	3	financial	financial	ADJ
ijtc-1243	164	4	technology	technology	NOUN
ijtc-1243	164	5	services	service	NOUN
ijtc-1243	164	6	media	medium	NOUN
ijtc-1243	164	7	in	in	ADP
ijtc-1243	164	8	improving	improve	VERB
ijtc-1243	164	9	customer	customer	NOUN
ijtc-1243	164	10	satisfaction	satisfaction	NOUN
ijtc-1243	164	11	pt	pt	PROPN
ijtc-1243	164	12	.	.	PROPN
ijtc-1243	164	13	shopee	shopee	PROPN
ijtc-1243	164	14	international	international	PROPN
ijtc-1243	164	15	indonesia	indonesia	PROPN
ijtc-1243	164	16	.	.	PUNCT
ijtc-1243	165	1	ilomata	ilomata	PROPN
ijtc-1243	165	2	international	international	ADJ
ijtc-1243	165	3	journal	journal	NOUN
ijtc-1243	165	4	of	of	ADP
ijtc-1243	165	5	social	social	ADJ
ijtc-1243	165	6	science	science	NOUN
ijtc-1243	165	7	,	,	PUNCT
ijtc-1243	165	8	2(3	2(3	NUM
ijtc-1243	165	9	)	)	PUNCT
ijtc-1243	165	10	,	,	PUNCT
ijtc-1243	165	11	204–211	204–211	NUM
ijtc-1243	165	12	.	.	PUNCT
ijtc-1243	166	1	kristyawan	kristyawan	PROPN
ijtc-1243	166	2	wihayanto	wihayanto	PROPN
ijtc-1243	166	3	putra	putra	PROPN
ijtc-1243	166	4	,	,	PUNCT
ijtc-1243	166	5	t.	t.	PROPN
ijtc-1243	166	6	n.	n.	PROPN
ijtc-1243	166	7	w.	w.	PROPN
ijtc-1243	166	8	(	(	PUNCT
ijtc-1243	166	9	2025	2025	NUM
ijtc-1243	166	10	)	)	PUNCT
ijtc-1243	166	11	.	.	PUNCT
ijtc-1243	167	1	perceptions	perception	NOUN
ijtc-1243	167	2	of	of	ADP
ijtc-1243	167	3	msme	msme	NOUN
ijtc-1243	167	4	actors	actor	NOUN
ijtc-1243	167	5	towards	towards	ADP
ijtc-1243	167	6	using	use	VERB
ijtc-1243	167	7	qris	qris	NOUN
ijtc-1243	167	8	as	as	ADP
ijtc-1243	167	9	a	a	DET
ijtc-1243	167	10	cash	cash	NOUN
ijtc-1243	167	11	transaction	transaction	NOUN
ijtc-1243	167	12	tool	tool	NOUN
ijtc-1243	167	13	in	in	ADP
ijtc-1243	167	14	area	area	NOUN
ijtc-1243	167	15	universitas	universita	NOUN
ijtc-1243	167	16	muhammadiyah	muhammadiyah	ADP
ijtc-1243	167	17	surakarta	surakarta	NOUN
ijtc-1243	167	18	.	.	PUNCT
ijtc-1243	168	1	ilomata	ilomata	PROPN
ijtc-1243	168	2	international	international	ADJ
ijtc-1243	168	3	journal	journal	PROPN
ijtc-1243	168	4	of	of	ADP
ijtc-1243	168	5	management	management	NOUN
ijtc-1243	168	6	,	,	PUNCT
ijtc-1243	168	7	vol	vol	NOUN
ijtc-1243	168	8	.	.	PROPN
ijtc-1243	168	9	6	6	NUM
ijtc-1243	168	10	no	no	NOUN
ijtc-1243	168	11	.	.	NOUN
ijtc-1243	168	12	1	1	NUM
ijtc-1243	168	13	(	(	PUNCT
ijtc-1243	168	14	2025	2025	NUM
ijtc-1243	168	15	):	):	PUNCT
ijtc-1243	168	16	january	january	PROPN
ijtc-1243	168	17	2025	2025	NUM
ijtc-1243	168	18	,	,	PUNCT
ijtc-1243	168	19	https	https	NOUN
ijtc-1243	168	20	-	-	PUNCT
ijtc-1243	168	21	doi	doi	NOUN
ijtc-1243	168	22	.	.	PUNCT
ijtc-1243	168	23	lesi	lesi	PROPN
ijtc-1243	168	24	,	,	PUNCT
ijtc-1243	168	25	h.	h.	PROPN
ijtc-1243	168	26	(	(	PUNCT
ijtc-1243	168	27	2020	2020	NUM
ijtc-1243	168	28	)	)	PUNCT
ijtc-1243	168	29	.	.	PUNCT
ijtc-1243	169	1	the	the	DET
ijtc-1243	169	2	influence	influence	NOUN
ijtc-1243	169	3	of	of	ADP
ijtc-1243	169	4	information	information	NOUN
ijtc-1243	169	5	technology	technology	NOUN
ijtc-1243	169	6	covid-19	covid-19	PROPN
ijtc-1243	169	7	plague	plague	NOUN
ijtc-1243	169	8	against	against	ADP
ijtc-1243	169	9	financial	financial	ADJ
ijtc-1243	169	10	statements	statement	NOUN
ijtc-1243	169	11	and	and	CCONJ
ijtc-1243	169	12	business	business	NOUN
ijtc-1243	169	13	practices	practice	NOUN
ijtc-1243	169	14	.	.	PUNCT
ijtc-1243	170	1	ilomata	ilomata	PROPN
ijtc-1243	170	2	international	international	ADJ
ijtc-1243	170	3	journal	journal	NOUN
ijtc-1243	170	4	of	of	ADP
ijtc-1243	170	5	tax	tax	NOUN
ijtc-1243	170	6	and	and	CCONJ
ijtc-1243	170	7	accounting	accounting	NOUN
ijtc-1243	170	8	,	,	PUNCT
ijtc-1243	170	9	1(3	1(3	NUM
ijtc-1243	170	10	)	)	PUNCT
ijtc-1243	170	11	,	,	PUNCT
ijtc-1243	170	12	122	122	NUM
ijtc-1243	170	13	–	–	SYM
ijtc-1243	170	14	131	131	NUM
ijtc-1243	170	15	.	.	PUNCT
ijtc-1243	171	1	li	li	PROPN
ijtc-1243	171	2	,	,	PUNCT
ijtc-1243	171	3	h.	h.	PROPN
ijtc-1243	171	4	,	,	PUNCT
ijtc-1243	171	5	usman	usman	PROPN
ijtc-1243	171	6	,	,	PUNCT
ijtc-1243	171	7	n.	n.	NOUN
ijtc-1243	171	8	,	,	PUNCT
ijtc-1243	171	9	coulibay	coulibay	PROPN
ijtc-1243	171	10	,	,	PUNCT
ijtc-1243	171	11	m.	m.	PROPN
ijtc-1243	171	12	h.	h.	PROPN
ijtc-1243	171	13	,	,	PUNCT
ijtc-1243	171	14	phiri	phiri	PROPN
ijtc-1243	171	15	,	,	PUNCT
ijtc-1243	171	16	r.	r.	PROPN
ijtc-1243	171	17	,	,	PUNCT
ijtc-1243	171	18	&	&	CCONJ
ijtc-1243	171	19	tang	tang	PROPN
ijtc-1243	171	20	,	,	PUNCT
ijtc-1243	171	21	x.	x.	NOUN
ijtc-1243	171	22	(	(	PUNCT
ijtc-1243	171	23	2022	2022	NUM
ijtc-1243	171	24	)	)	PUNCT
ijtc-1243	171	25	.	.	PUNCT
ijtc-1243	172	1	does	do	AUX
ijtc-1243	172	2	the	the	DET
ijtc-1243	172	3	resources	resource	NOUN
ijtc-1243	172	4	curse	curse	VERB
ijtc-1243	172	5	hypothesis	hypothesis	NOUN
ijtc-1243	172	6	exist	exist	VERB
ijtc-1243	172	7	in	in	ADP
ijtc-1243	172	8	china	china	PROPN
ijtc-1243	172	9	?	?	PUNCT
ijtc-1243	173	1	what	what	PRON
ijtc-1243	173	2	is	be	AUX
ijtc-1243	173	3	the	the	DET
ijtc-1243	173	4	dynamic	dynamic	ADJ
ijtc-1243	173	5	role	role	NOUN
ijtc-1243	173	6	of	of	ADP
ijtc-1243	173	7	fiscal	fiscal	ADJ
ijtc-1243	173	8	decentralization	decentralization	NOUN
ijtc-1243	173	9	,	,	PUNCT
ijtc-1243	173	10	economic	economic	ADJ
ijtc-1243	173	11	policy	policy	NOUN
ijtc-1243	173	12	uncertainty	uncertainty	NOUN
ijtc-1243	173	13	,	,	PUNCT
ijtc-1243	173	14	and	and	CCONJ
ijtc-1243	173	15	technology	technology	NOUN
ijtc-1243	173	16	innovation	innovation	NOUN
ijtc-1243	173	17	for	for	ADP
ijtc-1243	173	18	sustainable	sustainable	ADJ
ijtc-1243	173	19	financial	financial	ADJ
ijtc-1243	173	20	development	development	NOUN
ijtc-1243	173	21	?	?	PUNCT
ijtc-1243	174	1	resources	resource	NOUN
ijtc-1243	174	2	policy	policy	NOUN
ijtc-1243	174	3	,	,	PUNCT
ijtc-1243	174	4	79	79	NUM
ijtc-1243	174	5	.	.	PUNCT
ijtc-1243	175	1	https://doi.org/10.1016/j.resourpol.2022.103002	https://doi.org/10.1016/j.resourpol.2022.103002	NOUN
ijtc-1243	175	2	martini	martini	NOUN
ijtc-1243	175	3	,	,	PUNCT
ijtc-1243	175	4	m.	m.	NOUN
ijtc-1243	175	5	,	,	PUNCT
ijtc-1243	175	6	triharyati	triharyati	PROPN
ijtc-1243	175	7	,	,	PUNCT
ijtc-1243	175	8	e.	e.	PROPN
ijtc-1243	175	9	,	,	PUNCT
ijtc-1243	175	10	&	&	CCONJ
ijtc-1243	175	11	rimbano	rimbano	PROPN
ijtc-1243	175	12	,	,	PUNCT
ijtc-1243	175	13	d.	d.	PROPN
ijtc-1243	175	14	(	(	PUNCT
ijtc-1243	175	15	2022	2022	NUM
ijtc-1243	175	16	)	)	PUNCT
ijtc-1243	175	17	.	.	PUNCT
ijtc-1243	176	1	influence	influence	NOUN
ijtc-1243	176	2	financial	financial	ADJ
ijtc-1243	176	3	technology	technology	NOUN
ijtc-1243	176	4	,	,	PUNCT
ijtc-1243	176	5	financial	financial	ADJ
ijtc-1243	176	6	literacy	literacy	NOUN
ijtc-1243	176	7	,	,	PUNCT
ijtc-1243	176	8	and	and	CCONJ
ijtc-1243	176	9	intellectual	intellectual	ADJ
ijtc-1243	176	10	capital	capital	NOUN
ijtc-1243	176	11	on	on	ADP
ijtc-1243	176	12	financial	financial	ADJ
ijtc-1243	176	13	inclusion	inclusion	NOUN
ijtc-1243	176	14	in	in	ADP
ijtc-1243	176	15	micro	micro	PROPN
ijtc-1243	176	16	,	,	PUNCT
ijtc-1243	176	17	small	small	ADJ
ijtc-1243	176	18	and	and	CCONJ
ijtc-1243	176	19	medium	medium	ADJ
ijtc-1243	176	20	enterprises	enterprise	NOUN
ijtc-1243	176	21	(	(	PUNCT
ijtc-1243	176	22	msmes	msme	NOUN
ijtc-1243	176	23	)	)	PUNCT
ijtc-1243	176	24	.	.	PUNCT
ijtc-1243	177	1	ilomata	ilomata	PROPN
ijtc-1243	177	2	international	international	ADJ
ijtc-1243	177	3	journal	journal	NOUN
ijtc-1243	177	4	of	of	ADP
ijtc-1243	177	5	tax	tax	NOUN
ijtc-1243	177	6	and	and	CCONJ
ijtc-1243	177	7	accounting	accounting	NOUN
ijtc-1243	177	8	,	,	PUNCT
ijtc-1243	177	9	3(4	3(4	NUM
ijtc-1243	177	10	)	)	PUNCT
ijtc-1243	177	11	,	,	PUNCT
ijtc-1243	177	12	408–420	408–420	NUM
ijtc-1243	177	13	.	.	PUNCT
ijtc-1243	178	1	mawardani	mawardani	PROPN
ijtc-1243	178	2	,	,	PUNCT
ijtc-1243	178	3	f.	f.	PROPN
ijtc-1243	178	4	,	,	PUNCT
ijtc-1243	178	5	&	&	CCONJ
ijtc-1243	178	6	dwijayanti	dwijayanti	PROPN
ijtc-1243	178	7	,	,	PUNCT
ijtc-1243	178	8	r.	r.	PROPN
ijtc-1243	178	9	(	(	PUNCT
ijtc-1243	178	10	2021	2021	NUM
ijtc-1243	178	11	)	)	PUNCT
ijtc-1243	178	12	.	.	PUNCT
ijtc-1243	179	1	the	the	DET
ijtc-1243	179	2	effect	effect	NOUN
ijtc-1243	179	3	of	of	ADP
ijtc-1243	179	4	perception	perception	NOUN
ijtc-1243	179	5	of	of	ADP
ijtc-1243	179	6	ease	ease	NOUN
ijtc-1243	179	7	of	of	ADP
ijtc-1243	179	8	use	use	NOUN
ijtc-1243	179	9	and	and	CCONJ
ijtc-1243	179	10	cash	cash	VERB
ijtc-1243	179	11	back	back	ADP
ijtc-1243	179	12	promotion	promotion	NOUN
ijtc-1243	179	13	on	on	ADP
ijtc-1243	179	14	student	student	NOUN
ijtc-1243	179	15	interest	interest	NOUN
ijtc-1243	179	16	in	in	ADP
ijtc-1243	179	17	using	use	VERB
ijtc-1243	179	18	shopee	shopee	NOUN
ijtc-1243	179	19	ipay	ipay	NOUN
ijtc-1243	179	20	digital	digital	ADJ
ijtc-1243	179	21	wallet	wallet	NOUN
ijtc-1243	179	22	on	on	ADP
ijtc-1243	179	23	the	the	DET
ijtc-1243	179	24	shoprite	shoprite	ADJ
ijtc-1243	179	25	application	application	NOUN
ijtc-1243	179	26	.	.	PUNCT
ijtc-1243	180	1	journal	journal	PROPN
ijtc-1243	180	2	of	of	ADP
ijtc-1243	180	3	business	business	NOUN
ijtc-1243	180	4	education	education	PROPN
ijtc-1243	180	5	(	(	PUNCT
ijtc-1243	180	6	jptn	jptn	NOUN
ijtc-1243	180	7	,	,	PUNCT
ijtc-1243	180	8	9(3	9(3	NUM
ijtc-1243	180	9	)	)	PUNCT
ijtc-1243	180	10	,	,	PUNCT
ijtc-1243	180	11	1455–1463	1455–1463	NUM
ijtc-1243	180	12	.	.	PUNCT
ijtc-1243	181	1	mujib	mujib	PROPN
ijtc-1243	181	2	,	,	PUNCT
ijtc-1243	181	3	a.	a.	PROPN
ijtc-1243	181	4	,	,	PUNCT
ijtc-1243	181	5	&	&	CCONJ
ijtc-1243	181	6	amin	amin	PROPN
ijtc-1243	181	7	,	,	PUNCT
ijtc-1243	181	8	r.	r.	PROPN
ijtc-1243	181	9	(	(	PUNCT
ijtc-1243	181	10	2023	2023	NUM
ijtc-1243	181	11	)	)	PUNCT
ijtc-1243	181	12	.	.	PUNCT
ijtc-1243	182	1	the	the	DET
ijtc-1243	182	2	effect	effect	NOUN
ijtc-1243	182	3	of	of	ADP
ijtc-1243	182	4	eisai	eisai	NOUN
ijtc-1243	182	5	of	of	ADP
ijtc-1243	182	6	use	use	NOUN
ijtc-1243	182	7	and	and	CCONJ
ijtc-1243	182	8	promotion	promotion	NOUN
ijtc-1243	182	9	on	on	ADP
ijtc-1243	182	10	customer	customer	NOUN
ijtc-1243	182	11	interest	interest	NOUN
ijtc-1243	182	12	in	in	ADP
ijtc-1243	182	13	using	use	VERB
ijtc-1243	182	14	qris	qris	ADJ
ijtc-1243	182	15	transaction	transaction	NOUN
ijtc-1243	182	16	services	service	NOUN
ijtc-1243	182	17	at	at	ADP
ijtc-1243	182	18	bsi	bsi	PROPN
ijtc-1243	182	19	in	in	ADP
ijtc-1243	182	20	surabaya	surabaya	PROPN
ijtc-1243	182	21	.	.	PUNCT
ijtc-1243	183	1	journal	journal	PROPN
ijtc-1243	183	2	of	of	ADP
ijtc-1243	183	3	masharif	masharif	PROPN
ijtc-1243	183	4	al	al	PROPN
ijtc-1243	183	5	-	-	PUNCT
ijtc-1243	183	6	syariah	syariah	PROPN
ijtc-1243	183	7	:	:	PUNCT
ijtc-1243	183	8	journal	journal	NOUN
ijtc-1243	183	9	,	,	PUNCT
ijtc-1243	183	10	8(30	8(30	NUM
ijtc-1243	183	11	)	)	PUNCT
ijtc-1243	183	12	,	,	PUNCT
ijtc-1243	183	13	841–855	841–855	NUM
ijtc-1243	183	14	.	.	PUNCT
ijtc-1243	184	1	https://journal.um-surabaya.ac.id/indeix.php/mas/articlei/vieiw/19495	https://journal.um-surabaya.ac.id/indeix.php/mas/articlei/vieiw/19495	PROPN
ijtc-1243	184	2	.	.	PUNCT
ijtc-1243	184	3	mulyaningtyas	mulyaningtyas	PROPN
ijtc-1243	184	4	,	,	PUNCT
ijtc-1243	184	5	d.	d.	PROPN
ijtc-1243	184	6	,	,	PUNCT
ijtc-1243	184	7	&	&	CCONJ
ijtc-1243	184	8	ihsan	ihsan	PROPN
ijtc-1243	184	9	,	,	PUNCT
ijtc-1243	184	10	s.	s.	PROPN
ijtc-1243	184	11	l.	l.	PROPN
ijtc-1243	184	12	(	(	PUNCT
ijtc-1243	184	13	2023	2023	NUM
ijtc-1243	184	14	)	)	PUNCT
ijtc-1243	184	15	.	.	PUNCT
ijtc-1243	185	1	the	the	DET
ijtc-1243	185	2	effect	effect	NOUN
ijtc-1243	185	3	of	of	ADP
ijtc-1243	185	4	promotional	promotional	ADJ
ijtc-1243	185	5	attractiveness	attractiveness	NOUN
ijtc-1243	185	6	,	,	PUNCT
ijtc-1243	185	7	perceptions	perception	NOUN
ijtc-1243	185	8	of	of	ADP
ijtc-1243	185	9	ease	ease	NOUN
ijtc-1243	185	10	and	and	CCONJ
ijtc-1243	185	11	perceptions	perception	NOUN
ijtc-1243	185	12	of	of	ADP
ijtc-1243	185	13	security	security	NOUN
ijtc-1243	185	14	on	on	ADP
ijtc-1243	185	15	decisions	decision	NOUN
ijtc-1243	185	16	to	to	PART
ijtc-1243	185	17	use	use	VERB
ijtc-1243	185	18	ewallet	ewallet	NOUN
ijtc-1243	185	19	in	in	ADP
ijtc-1243	185	20	generation	generation	NOUN
ijtc-1243	185	21	y	y	PROPN
ijtc-1243	185	22	with	with	ADP
ijtc-1243	185	23	ei	ei	NOUN
ijtc-1243	185	24	-	-	NOUN
ijtc-1243	185	25	trust	trust	NOUN
ijtc-1243	185	26	as	as	ADP
ijtc-1243	185	27	an	an	DET
ijtc-1243	185	28	intervening	intervene	VERB
ijtc-1243	185	29	variable	variable	NOUN
ijtc-1243	185	30	(	(	PUNCT
ijtc-1243	185	31	vol	vol	NOUN
ijtc-1243	185	32	.	.	NOUN
ijtc-1243	185	33	9	9	NUM
ijtc-1243	185	34	,	,	PUNCT
ijtc-1243	185	35	issue	issue	NOUN
ijtc-1243	185	36	2	2	NUM
ijtc-1243	185	37	,	,	PUNCT
ijtc-1243	185	38	pp	pp	ADJ
ijtc-1243	185	39	.	.	PUNCT
ijtc-1243	185	40	69–76	69–76	NUM
ijtc-1243	185	41	)	)	PUNCT
ijtc-1243	185	42	.	.	PUNCT
ijtc-1243	186	1	mulyati	mulyati	PROPN
ijtc-1243	186	2	,	,	PUNCT
ijtc-1243	186	3	o.	o.	PROPN
ijtc-1243	186	4	d.	d.	PROPN
ijtc-1243	186	5	(	(	PUNCT
ijtc-1243	186	6	2023	2023	NUM
ijtc-1243	186	7	)	)	PUNCT
ijtc-1243	186	8	.	.	PUNCT
ijtc-1243	187	1	pengaruh	pengaruh	VERB
ijtc-1243	187	2	persepsi	persepsi	PROPN
ijtc-1243	187	3	manfaat	manfaat	NOUN
ijtc-1243	187	4	,	,	PUNCT
ijtc-1243	187	5	persepsi	persepsi	PROPN
ijtc-1243	187	6	kemudahan	kemudahan	PROPN
ijtc-1243	187	7	penggunaan	penggunaan	PROPN
ijtc-1243	187	8	,	,	PUNCT
ijtc-1243	187	9	dan	dan	PROPN
ijtc-1243	187	10	persepsi	persepsi	PROPN
ijtc-1243	187	11	risiko	risiko	PROPN
ijtc-1243	187	12	terhadap	terhadap	PROPN
ijtc-1243	187	13	minat	minat	PROPN
ijtc-1243	187	14	penggunaan	penggunaan	PROPN
ijtc-1243	187	15	yang	yang	PROPN
ijtc-1243	187	16	dimediasi	dimediasi	PROPN
ijtc-1243	187	17	oleh	oleh	PROPN
ijtc-1243	187	18	kepercayaan	kepercayaan	PROPN
ijtc-1243	187	19	layanan	layanan	PROPN
ijtc-1243	187	20	repository.stieykpn.ac.id	repository.stieykpn.ac.id	PROPN
ijtc-1243	187	21	.	.	PUNCT
ijtc-1243	188	1	http://reipository.stieiykpn.ac.id/1916/	http://reipository.stieiykpn.ac.id/1916/	NOUN
ijtc-1243	188	2	nadhilah	nadhilah	ADJ
ijtc-1243	188	3	,	,	PUNCT
ijtc-1243	188	4	p.	p.	NOUN
ijtc-1243	188	5	,	,	PUNCT
ijtc-1243	188	6	jatikusumo	jatikusumo	PROPN
ijtc-1243	188	7	,	,	PUNCT
ijtc-1243	188	8	r.	r.	PROPN
ijtc-1243	188	9	i.	i.	PROPN
ijtc-1243	188	10	,	,	PUNCT
ijtc-1243	188	11	&	&	CCONJ
ijtc-1243	188	12	peirmana	peirmana	PROPN
ijtc-1243	188	13	,	,	PUNCT
ijtc-1243	188	14	e.	e.	PROPN
ijtc-1243	188	15	i.	i.	PROPN
ijtc-1243	188	16	(	(	PUNCT
ijtc-1243	188	17	2021	2021	NUM
ijtc-1243	188	18	)	)	PUNCT
ijtc-1243	188	19	.	.	PUNCT
ijtc-1243	189	1	the	the	DET
ijtc-1243	189	2	effectiveness	effectiveness	NOUN
ijtc-1243	189	3	of	of	ADP
ijtc-1243	189	4	the	the	DET
ijtc-1243	189	5	use	use	NOUN
ijtc-1243	189	6	of	of	ADP
ijtc-1243	189	7	eiwalleit	eiwalleit	NOUN
ijtc-1243	189	8	among	among	ADP
ijtc-1243	189	9	students	student	NOUN
ijtc-1243	189	10	in	in	ADP
ijtc-1243	189	11	the	the	DET
ijtc-1243	189	12	process	process	NOUN
ijtc-1243	189	13	of	of	ADP
ijtc-1243	189	14	determining	determine	VERB
ijtc-1243	189	15	purchase	purchase	NOUN
ijtc-1243	189	16	decisions	decision	NOUN
ijtc-1243	189	17	.	.	PUNCT
ijtc-1243	190	1	jiemma	jiemma	PROPN
ijtc-1243	190	2	(	(	PUNCT
ijtc-1243	190	3	journal	journal	PROPN
ijtc-1243	190	4	of	of	ADP
ijtc-1243	190	5	economic	economic	ADJ
ijtc-1243	190	6	,	,	PUNCT
ijtc-1243	190	7	management	management	NOUN
ijtc-1243	190	8	and	and	CCONJ
ijtc-1243	190	9	accounting	accounting	NOUN
ijtc-1243	190	10	,	,	PUNCT
ijtc-1243	190	11	4(2	4(2	NUM
ijtc-1243	190	12	)	)	PUNCT
ijtc-1243	190	13	,	,	PUNCT
ijtc-1243	190	14	128	128	X
ijtc-1243	190	15	.	.	PUNCT
ijtc-1243	191	1	https://doi.org/10.35914/jeimma.v4i2.725	https://doi.org/10.35914/jeimma.v4i2.725	PROPN
ijtc-1243	191	2	nizar	nizar	PROPN
ijtc-1243	191	3	,	,	PUNCT
ijtc-1243	191	4	m.	m.	NOUN
ijtc-1243	191	5	a.	a.	NOUN
ijtc-1243	191	6	(	(	PUNCT
ijtc-1243	191	7	2017	2017	NUM
ijtc-1243	191	8	)	)	PUNCT
ijtc-1243	191	9	.	.	PUNCT
ijtc-1243	192	1	financial	financial	ADJ
ijtc-1243	192	2	technology	technology	NOUN
ijtc-1243	192	3	(	(	PUNCT
ijtc-1243	192	4	fin	fin	NOUN
ijtc-1243	192	5	tech	tech	NOUN
ijtc-1243	192	6	):	):	PUNCT
ijtc-1243	192	7	its	its	PRON
ijtc-1243	192	8	concept	concept	NOUN
ijtc-1243	192	9	and	and	CCONJ
ijtc-1243	192	10	implementation	implementation	NOUN
ijtc-1243	192	11	in	in	ADP
ijtc-1243	192	12	indonesia	indonesia	PROPN
ijtc-1243	192	13	.	.	PUNCT
ijtc-1243	193	1	nugroho	nugroho	PROPN
ijtc-1243	193	2	,	,	PUNCT
ijtc-1243	193	3	d.	d.	PROPN
ijtc-1243	193	4	s.	s.	PROPN
ijtc-1243	193	5	(	(	PUNCT
ijtc-1243	193	6	2023	2023	NUM
ijtc-1243	193	7	)	)	PUNCT
ijtc-1243	193	8	.	.	PUNCT
ijtc-1243	194	1	gender	gender	NOUN
ijtc-1243	194	2	diversity	diversity	NOUN
ijtc-1243	194	3	and	and	CCONJ
ijtc-1243	194	4	sustainability	sustainability	NOUN
ijtc-1243	194	5	performance	performance	NOUN
ijtc-1243	194	6	:	:	PUNCT
ijtc-1243	194	7	the	the	DET
ijtc-1243	194	8	role	role	NOUN
ijtc-1243	194	9	of	of	ADP
ijtc-1243	194	10	financial	financial	ADJ
ijtc-1243	194	11	technology	technology	NOUN
ijtc-1243	194	12	adoption	adoption	NOUN
ijtc-1243	194	13	as	as	ADP
ijtc-1243	194	14	moderator	moderator	NOUN
ijtc-1243	194	15	.	.	PUNCT
ijtc-1243	195	1	ilomata	ilomata	PROPN
ijtc-1243	195	2	international	international	ADJ
ijtc-1243	195	3	journal	journal	NOUN
ijtc-1243	195	4	of	of	ADP
ijtc-1243	195	5	tax	tax	NOUN
ijtc-1243	195	6	and	and	CCONJ
ijtc-1243	195	7	accounting	accounting	NOUN
ijtc-1243	195	8	,	,	PUNCT
ijtc-1243	195	9	4(4	4(4	NUM
ijtc-1243	195	10	)	)	PUNCT
ijtc-1243	195	11	,	,	PUNCT
ijtc-1243	196	1	799–812	799–812	NUM
ijtc-1243	196	2	.	.	PUNCT
ijtc-1243	197	1	permana	permana	PROPN
ijtc-1243	197	2	,	,	PUNCT
ijtc-1243	197	3	d.	d.	PROPN
ijtc-1243	197	4	g.	g.	PROPN
ijtc-1243	197	5	y.	y.	PROPN
ijtc-1243	197	6	,	,	PUNCT
ijtc-1243	197	7	&	&	CCONJ
ijtc-1243	197	8	aryowiloto	aryowiloto	PROPN
ijtc-1243	197	9	,	,	PUNCT
ijtc-1243	197	10	j.	j.	PROPN
ijtc-1243	197	11	(	(	PUNCT
ijtc-1243	197	12	2024	2024	NUM
ijtc-1243	197	13	)	)	PUNCT
ijtc-1243	197	14	.	.	PUNCT
ijtc-1243	198	1	implementation	implementation	NOUN
ijtc-1243	198	2	of	of	ADP
ijtc-1243	198	3	qris	qris	ADJ
ijtc-1243	198	4	digital	digital	ADJ
ijtc-1243	198	5	payments	payment	NOUN
ijtc-1243	198	6	to	to	PART
ijtc-1243	198	7	encourage	encourage	VERB
ijtc-1243	198	8	the	the	DET
ijtc-1243	198	9	development	development	NOUN
ijtc-1243	198	10	of	of	ADP
ijtc-1243	198	11	local	local	ADJ
ijtc-1243	198	12	msmes	msme	NOUN
ijtc-1243	198	13	in	in	ADP
ijtc-1243	198	14	bali	bali	PROPN
ijtc-1243	198	15	.	.	PUNCT
ijtc-1243	199	1	ilomata	ilomata	PROPN
ijtc-1243	199	2	international	international	PROPN
ijtc-1243	199	3	journal	journal	PROPN
ijtc-1243	199	4	of	of	ADP
ijtc-1243	199	5	management	management	NOUN
ijtc-1243	199	6	,	,	PUNCT
ijtc-1243	199	7	5(2	5(2	NUM
ijtc-1243	199	8	)	)	PUNCT
ijtc-1243	199	9	,	,	PUNCT
ijtc-1243	199	10	559–568	559–568	NUM
ijtc-1243	199	11	.	.	PUNCT
ijtc-1243	200	1	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	200	2	qris	qris	NOUN
ijtc-1243	200	3	:	:	PUNCT
ijtc-1243	200	4	awareness	awareness	NOUN
ijtc-1243	200	5	and	and	CCONJ
ijtc-1243	200	6	understanding	understand	VERB
ijtc-1243	200	7	the	the	DET
ijtc-1243	200	8	key	key	ADJ
ijtc-1243	200	9	drivers	driver	NOUN
ijtc-1243	200	10	yuniarti	yuniarti	VERB
ijtc-1243	200	11	,	,	PUNCT
ijtc-1243	200	12	septiani	septiani	NOUN
ijtc-1243	200	13	,	,	PUNCT
ijtc-1243	200	14	rusmianto	rusmianto	PROPN
ijtc-1243	200	15	.	.	PROPN
ijtc-1243	200	16	,	,	PUNCT
ijtc-1243	200	17	wijaya	wijaya	PROPN
ijtc-1243	200	18	,	,	PUNCT
ijtc-1243	200	19	and	and	CCONJ
ijtc-1243	200	20	kurniawan	kurniawan	VERB
ijtc-1243	200	21	12	12	NUM
ijtc-1243	200	22	|	|	ADV
ijtc-1243	200	23	ilomata	ilomata	PROPN
ijtc-1243	200	24	international	international	ADJ
ijtc-1243	200	25	journal	journal	NOUN
ijtc-1243	200	26	of	of	ADP
ijtc-1243	200	27	tax	tax	PROPN
ijtc-1243	200	28	&	&	CCONJ
ijtc-1243	200	29	accounting	account	VERB
ijtc-1243	200	30	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN
ijtc-1243	200	31	risma	risma	VERB
ijtc-1243	200	32	,	,	PUNCT
ijtc-1243	200	33	a.	a.	NOUN
ijtc-1243	200	34	a.	a.	PROPN
ijtc-1243	200	35	,	,	PUNCT
ijtc-1243	200	36	&	&	CCONJ
ijtc-1243	200	37	sri	sri	PROPN
ijtc-1243	200	38	,	,	PUNCT
ijtc-1243	200	39	d.	d.	PROPN
ijtc-1243	200	40	e.	e.	PROPN
ijtc-1243	200	41	i.	i.	PROPN
ijtc-1243	200	42	(	(	PUNCT
ijtc-1243	200	43	2021	2021	NUM
ijtc-1243	200	44	)	)	PUNCT
ijtc-1243	200	45	.	.	PUNCT
ijtc-1243	201	1	student	student	NOUN
ijtc-1243	201	2	preference	preference	NOUN
ijtc-1243	201	3	in	in	ADP
ijtc-1243	201	4	using	use	VERB
ijtc-1243	201	5	quick	quick	ADJ
ijtc-1243	201	6	response	response	NOUN
ijtc-1243	201	7	code	code	PROPN
ijtc-1243	201	8	indonesia	indonesia	PROPN
ijtc-1243	201	9	standard	standard	PROPN
ijtc-1243	201	10	(	(	PUNCT
ijtc-1243	201	11	qris	qris	PROPN
ijtc-1243	201	12	)	)	PUNCT
ijtc-1243	201	13	as	as	ADP
ijtc-1243	201	14	payment	payment	NOUN
ijtc-1243	201	15	technology	technology	NOUN
ijtc-1243	201	16	.	.	PUNCT
ijtc-1243	202	1	journal	journal	NOUN
ijtc-1243	202	2	of	of	ADP
ijtc-1243	202	3	motivation	motivation	NOUN
ijtc-1243	202	4	management	management	NOUN
ijtc-1243	202	5	,	,	PUNCT
ijtc-1243	202	6	17	17	NUM
ijtc-1243	202	7	,	,	PUNCT
ijtc-1243	202	8	10	10	NUM
ijtc-1243	202	9	–	–	SYM
ijtc-1243	202	10	17	17	NUM
ijtc-1243	202	11	.	.	PUNCT
ijtc-1243	203	1	rjoub	rjoub	PROPN
ijtc-1243	203	2	,	,	PUNCT
ijtc-1243	203	3	h.	h.	PROPN
ijtc-1243	203	4	,	,	PUNCT
ijtc-1243	203	5	adebayo	adebayo	PROPN
ijtc-1243	203	6	,	,	PUNCT
ijtc-1243	203	7	t.	t.	PROPN
ijtc-1243	203	8	s.	s.	PROPN
ijtc-1243	203	9	,	,	PUNCT
ijtc-1243	203	10	&	&	CCONJ
ijtc-1243	203	11	kirikkaleli	kirikkaleli	PROPN
ijtc-1243	203	12	,	,	PUNCT
ijtc-1243	203	13	d.	d.	PROPN
ijtc-1243	203	14	(	(	PUNCT
ijtc-1243	203	15	2023	2023	NUM
ijtc-1243	203	16	)	)	PUNCT
ijtc-1243	203	17	.	.	PUNCT
ijtc-1243	204	1	blockchain	blockchain	PROPN
ijtc-1243	204	2	technology	technology	NOUN
ijtc-1243	204	3	-	-	PUNCT
ijtc-1243	204	4	based	base	VERB
ijtc-1243	204	5	fintech	fintech	NOUN
ijtc-1243	204	6	banking	banking	NOUN
ijtc-1243	204	7	sector	sector	NOUN
ijtc-1243	204	8	involvement	involvement	NOUN
ijtc-1243	204	9	using	use	VERB
ijtc-1243	204	10	adaptive	adaptive	ADJ
ijtc-1243	204	11	neuro	neuro	NOUN
ijtc-1243	204	12	-	-	PUNCT
ijtc-1243	204	13	fuzzy	fuzzy	ADV
ijtc-1243	204	14	-	-	PUNCT
ijtc-1243	204	15	based	base	VERB
ijtc-1243	204	16	k	k	NOUN
ijtc-1243	204	17	-	-	PUNCT
ijtc-1243	204	18	nearest	near	ADJ
ijtc-1243	204	19	neighbors	neighbor	NOUN
ijtc-1243	204	20	algorithm	algorithm	NOUN
ijtc-1243	204	21	.	.	PUNCT
ijtc-1243	205	1	financial	financial	ADJ
ijtc-1243	205	2	innovation	innovation	NOUN
ijtc-1243	205	3	,	,	PUNCT
ijtc-1243	205	4	9(1	9(1	NUM
ijtc-1243	205	5	)	)	PUNCT
ijtc-1243	205	6	.	.	PUNCT
ijtc-1243	206	1	https://doi.org/10.1186/s40854-023-00469-3	https://doi.org/10.1186/s40854-023-00469-3	PROPN
ijtc-1243	206	2	santoso	santoso	PROPN
ijtc-1243	206	3	,	,	PUNCT
ijtc-1243	206	4	w.	w.	PROPN
ijtc-1243	206	5	,	,	PUNCT
ijtc-1243	206	6	sitorus	sitorus	PROPN
ijtc-1243	206	7	,	,	PUNCT
ijtc-1243	206	8	p.	p.	NOUN
ijtc-1243	206	9	m.	m.	NOUN
ijtc-1243	206	10	,	,	PUNCT
ijtc-1243	206	11	batunanggar	batunanggar	PROPN
ijtc-1243	206	12	,	,	PUNCT
ijtc-1243	206	13	s.	s.	PROPN
ijtc-1243	206	14	,	,	PUNCT
ijtc-1243	206	15	krisanti	krisanti	PROPN
ijtc-1243	206	16	,	,	PUNCT
ijtc-1243	206	17	f.	f.	PROPN
ijtc-1243	206	18	t.	t.	PROPN
ijtc-1243	206	19	,	,	PUNCT
ijtc-1243	206	20	anggadwita	anggadwita	PROPN
ijtc-1243	206	21	,	,	PUNCT
ijtc-1243	206	22	g.	g.	PROPN
ijtc-1243	206	23	,	,	PUNCT
ijtc-1243	206	24	&	&	CCONJ
ijtc-1243	206	25	alamsyah	alamsyah	PROPN
ijtc-1243	206	26	,	,	PUNCT
ijtc-1243	206	27	a.	a.	NOUN
ijtc-1243	206	28	(	(	PUNCT
ijtc-1243	206	29	2021	2021	NUM
ijtc-1243	206	30	)	)	PUNCT
ijtc-1243	206	31	.	.	PUNCT
ijtc-1243	207	1	talent	talent	NOUN
ijtc-1243	207	2	mapping	mapping	NOUN
ijtc-1243	207	3	:	:	PUNCT
ijtc-1243	207	4	a	a	DET
ijtc-1243	207	5	strategic	strategic	ADJ
ijtc-1243	207	6	approach	approach	NOUN
ijtc-1243	207	7	toward	toward	ADP
ijtc-1243	207	8	digitalization	digitalization	NOUN
ijtc-1243	207	9	initiatives	initiative	NOUN
ijtc-1243	207	10	in	in	ADP
ijtc-1243	207	11	the	the	DET
ijtc-1243	207	12	banking	banking	NOUN
ijtc-1243	207	13	and	and	CCONJ
ijtc-1243	207	14	financial	financial	ADJ
ijtc-1243	207	15	technology	technology	NOUN
ijtc-1243	207	16	(	(	PUNCT
ijtc-1243	207	17	fintech	fintech	NOUN
ijtc-1243	207	18	)	)	PUNCT
ijtc-1243	207	19	industry	industry	NOUN
ijtc-1243	207	20	in	in	ADP
ijtc-1243	207	21	indonesia	indonesia	PROPN
ijtc-1243	207	22	.	.	PROPN
ijtc-1243	208	1	journal	journal	PROPN
ijtc-1243	208	2	of	of	ADP
ijtc-1243	208	3	science	science	NOUN
ijtc-1243	208	4	and	and	CCONJ
ijtc-1243	208	5	technology	technology	NOUN
ijtc-1243	208	6	policy	policy	NOUN
ijtc-1243	208	7	management	management	NOUN
ijtc-1243	208	8	.	.	PUNCT
ijtc-1243	209	1	saputri	saputri	ADJ
ijtc-1243	209	2	,	,	PUNCT
ijtc-1243	209	3	o.	o.	PROPN
ijtc-1243	209	4	b.	b.	PROPN
ijtc-1243	209	5	(	(	PUNCT
ijtc-1243	209	6	2020	2020	NUM
ijtc-1243	209	7	)	)	PUNCT
ijtc-1243	209	8	.	.	PUNCT
ijtc-1243	210	1	consumer	consumer	NOUN
ijtc-1243	210	2	preference	preference	NOUN
ijtc-1243	210	3	in	in	ADP
ijtc-1243	210	4	using	use	VERB
ijtc-1243	210	5	quick	quick	ADJ
ijtc-1243	210	6	response	response	NOUN
ijtc-1243	210	7	code	code	PROPN
ijtc-1243	210	8	indonesia	indonesia	PROPN
ijtc-1243	210	9	standard	standard	PROPN
ijtc-1243	210	10	(	(	PUNCT
ijtc-1243	210	11	qris	qris	PROPN
ijtc-1243	210	12	)	)	PUNCT
ijtc-1243	210	13	as	as	ADP
ijtc-1243	210	14	a	a	DET
ijtc-1243	210	15	digital	digital	ADJ
ijtc-1243	210	16	payment	payment	NOUN
ijtc-1243	210	17	tool	tool	NOUN
ijtc-1243	210	18	.	.	PUNCT
ijtc-1243	211	1	journal	journal	PROPN
ijtc-1243	211	2	of	of	ADP
ijtc-1243	211	3	economics	economic	NOUN
ijtc-1243	211	4	and	and	CCONJ
ijtc-1243	211	5	business	business	NOUN
ijtc-1243	211	6	,	,	PUNCT
ijtc-1243	211	7	17(2	17(2	NUM
ijtc-1243	211	8	)	)	PUNCT
ijtc-1243	211	9	,	,	PUNCT
ijtc-1243	211	10	1–11	1–11	PROPN
ijtc-1243	211	11	.	.	PUNCT
ijtc-1243	211	12	setiawan	setiawan	PROPN
ijtc-1243	211	13	,	,	PUNCT
ijtc-1243	211	14	i.	i.	PROPN
ijtc-1243	211	15	w.	w.	PROPN
ijtc-1243	211	16	a.	a.	PROPN
ijtc-1243	211	17	,	,	PUNCT
ijtc-1243	211	18	&	&	CCONJ
ijtc-1243	211	19	mahyuni	mahyuni	PROPN
ijtc-1243	211	20	,	,	PUNCT
ijtc-1243	211	21	l.	l.	PROPN
ijtc-1243	211	22	p.	p.	PROPN
ijtc-1243	211	23	(	(	PUNCT
ijtc-1243	211	24	2020	2020	NUM
ijtc-1243	211	25	)	)	PUNCT
ijtc-1243	211	26	.	.	PUNCT
ijtc-1243	212	1	qris	qris	PROPN
ijtc-1243	212	2	di	di	PROPN
ijtc-1243	212	3	mata	mata	PROPN
ijtc-1243	212	4	umkm	umkm	PROPN
ijtc-1243	212	5	:	:	PUNCT
ijtc-1243	212	6	eksplorasi	eksplorasi	NOUN
ijtc-1243	212	7	persepsi	persepsi	PROPN
ijtc-1243	212	8	dan	dan	PROPN
ijtc-1243	212	9	intensi	intensi	PROPN
ijtc-1243	212	10	umkm	umkm	ADJ
ijtc-1243	212	11	menggunakan	menggunakan	PROPN
ijtc-1243	212	12	qris	qris	PROPN
ijtc-1243	212	13	.	.	PUNCT
ijtc-1243	213	1	e	e	X
ijtc-1243	213	2	-	-	ADJ
ijtc-1243	213	3	jurnal	jurnal	ADJ
ijtc-1243	213	4	ekonomi	ekonomi	PROPN
ijtc-1243	213	5	dan	dan	PROPN
ijtc-1243	213	6	bisnis	bisnis	PROPN
ijtc-1243	213	7	universitas	universita	VERB
ijtc-1243	213	8	udayana	udayana	PROPN
ijtc-1243	213	9	,	,	PUNCT
ijtc-1243	213	10	10(9	10(9	NUM
ijtc-1243	213	11	)	)	PUNCT
ijtc-1243	213	12	,	,	PUNCT
ijtc-1243	213	13	921–946	921–946	NUM
ijtc-1243	213	14	.	.	PUNCT
ijtc-1243	214	1	yuniarti	yuniarti	PROPN
ijtc-1243	214	2	,	,	PUNCT
ijtc-1243	214	3	e.	e.	PROPN
ijtc-1243	214	4	i.	i.	PROPN
ijtc-1243	214	5	,	,	PUNCT
ijtc-1243	214	6	nurmala	nurmala	PROPN
ijtc-1243	214	7	,	,	PUNCT
ijtc-1243	214	8	n.	n.	PROPN
ijtc-1243	214	9	,	,	PUNCT
ijtc-1243	214	10	asliana	asliana	PROPN
ijtc-1243	214	11	,	,	PUNCT
ijtc-1243	214	12	e.	e.	PROPN
ijtc-1243	214	13	i.	i.	PROPN
ijtc-1243	214	14	,	,	PUNCT
ijtc-1243	214	15	mursalin	mursalin	PROPN
ijtc-1243	214	16	,	,	PUNCT
ijtc-1243	214	17	m.	m.	NOUN
ijtc-1243	214	18	,	,	PUNCT
ijtc-1243	214	19	satpathy	satpathy	NOUN
ijtc-1243	214	20	,	,	PUNCT
ijtc-1243	214	21	m.	m.	NOUN
ijtc-1243	214	22	,	,	PUNCT
ijtc-1243	214	23	attiya	attiya	PROPN
ijtc-1243	214	24	,	,	PUNCT
ijtc-1243	214	25	a.	a.	NOUN
ijtc-1243	214	26	a.	a.	PROPN
ijtc-1243	214	27	,	,	PUNCT
ijtc-1243	214	28	&	&	CCONJ
ijtc-1243	214	29	seiceileian	seiceileian	ADJ
ijtc-1243	214	30	,	,	PUNCT
ijtc-1243	214	31	n.	n.	NOUN
ijtc-1243	214	32	a.	a.	NOUN
ijtc-1243	214	33	(	(	PUNCT
ijtc-1243	214	34	2020	2020	NUM
ijtc-1243	214	35	)	)	PUNCT
ijtc-1243	214	36	.	.	PUNCT
ijtc-1243	215	1	environmental	environmental	ADJ
ijtc-1243	215	2	innovation	innovation	NOUN
ijtc-1243	215	3	and	and	CCONJ
ijtc-1243	215	4	financial	financial	ADJ
ijtc-1243	215	5	performance	performance	NOUN
ijtc-1243	215	6	:	:	PUNCT
ijtc-1243	215	7	a	a	DET
ijtc-1243	215	8	case	case	NOUN
ijtc-1243	215	9	study	study	NOUN
ijtc-1243	215	10	of	of	ADP
ijtc-1243	215	11	the	the	DET
ijtc-1243	215	12	mediating	mediate	VERB
ijtc-1243	215	13	role	role	NOUN
ijtc-1243	215	14	of	of	ADP
ijtc-1243	215	15	environmental	environmental	ADJ
ijtc-1243	215	16	management	management	NOUN
ijtc-1243	215	17	.	.	PUNCT
ijtc-1243	216	1	electronic	electronic	ADJ
ijtc-1243	216	2	journal	journal	NOUN
ijtc-1243	216	3	of	of	ADP
ijtc-1243	216	4	education	education	NOUN
ijtc-1243	216	5	,	,	PUNCT
ijtc-1243	216	6	social	social	ADJ
ijtc-1243	216	7	economics	economic	NOUN
ijtc-1243	216	8	and	and	CCONJ
ijtc-1243	216	9	technology	technology	NOUN
ijtc-1243	216	10	,	,	PUNCT
ijtc-1243	216	11	4(1	4(1	NOUN
ijtc-1243	216	12	)	)	PUNCT
ijtc-1243	216	13	,	,	PUNCT
ijtc-1243	216	14	38–42	38–42	NUM
ijtc-1243	216	15	.	.	PUNCT
ijtc-1243	217	1	https://doi.org/10.33122/eijeiseit.v4i1.83	https://doi.org/10.33122/eijeiseit.v4i1.83	PROPN
ijtc-1243	217	2	.	.	PUNCT
ijtc-1243	218	1	yuniarti	yuniarti	PROPN
ijtc-1243	218	2	,	,	PUNCT
ijtc-1243	218	3	e.	e.	PROPN
ijtc-1243	218	4	i.	i.	PROPN
ijtc-1243	218	5	,	,	PUNCT
ijtc-1243	218	6	nurmala	nurmala	PROPN
ijtc-1243	218	7	,	,	PUNCT
ijtc-1243	218	8	n.	n.	NOUN
ijtc-1243	218	9	,	,	PUNCT
ijtc-1243	218	10	&	&	CCONJ
ijtc-1243	218	11	irwandi	irwandi	PROPN
ijtc-1243	218	12	,	,	PUNCT
ijtc-1243	218	13	i.	i.	PROPN
ijtc-1243	218	14	(	(	PUNCT
ijtc-1243	218	15	2023	2023	NUM
ijtc-1243	218	16	)	)	PUNCT
ijtc-1243	218	17	.	.	PUNCT
ijtc-1243	219	1	quality	quality	NOUN
ijtc-1243	219	2	cost	cost	NOUN
ijtc-1243	219	3	analysis	analysis	NOUN
ijtc-1243	219	4	in	in	ADP
ijtc-1243	219	5	improving	improve	VERB
ijtc-1243	219	6	the	the	DET
ijtc-1243	219	7	competitiveness	competitiveness	NOUN
ijtc-1243	219	8	of	of	ADP
ijtc-1243	219	9	the	the	DET
ijtc-1243	219	10	rattan	rattan	ADJ
ijtc-1243	219	11	industry	industry	NOUN
ijtc-1243	219	12	towards	towards	ADP
ijtc-1243	219	13	the	the	DET
ijtc-1243	219	14	making	make	VERB
ijtc-1243	219	15	indonesia	indonesia	PROPN
ijtc-1243	219	16	4.0	4.0	NUM
ijtc-1243	219	17	program	program	NOUN
ijtc-1243	219	18	.	.	PUNCT
ijtc-1243	220	1	journal	journal	PROPN
ijtc-1243	220	2	of	of	ADP
ijtc-1243	220	3	accounting	accounting	NOUN
ijtc-1243	220	4	and	and	CCONJ
ijtc-1243	220	5	management	management	NOUN
ijtc-1243	220	6	research	research	NOUN
ijtc-1243	220	7	,	,	PUNCT
ijtc-1243	220	8	9(1	9(1	NUM
ijtc-1243	220	9	)	)	PUNCT
ijtc-1243	220	10	,	,	PUNCT
ijtc-1243	220	11	38–44	38–44	NUM
ijtc-1243	220	12	.	.	PUNCT
ijtc-1243	221	1	https://www.ilomata.org/index.php/ijjm	https://www.ilomata.org/index.php/ijjm	PROPN