id	keyword
ijtc-1243	qris
ijtc-1243	use
ijtc-1243	journal
ijtc-1243	interest
ijtc-1243	value
ijtc-1243	financial
ijtc-1243	technology
ijtc-1243	research
ijtc-1243	accounting
ijtc-1243	model
ijtc-1243	ease
ijtc-1243	international