Journal ArticleDOI
Perceived information security, financial liability and consumer trust in electronic commerce transactions
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TLDR
In this article, the authors proposed mechanisms of encryption, protection, authentication, and verification as antecedents of perceived information security in electronic commerce transactions and found that consumers' trust in EC transactions is influenced by perceived security and distinguishes it from the objective assessment of security threats.Abstract:
Electronic commerce (EC) transactions are subject to multiple information security threats. Proposes that consumer trust in EC transactions is influenced by perceived information security and distinguishes it from the objective assessment of security threats. Proposes mechanisms of encryption, protection, authentication, and verification as antecedents of perceived information security. These mechanisms are derived from technological solutions to security threats that are visible to consumers and hence contribute to actual consumer perceptions. Tests propositions in a study of 179 consumers and shows a significant relationship between consumers’ perceived information security and trust in EC transactions. Explores the role of limited financial liability as a surrogate for perceived security. However, the findings show that there is a minimal effect of financial liability on consumers’ trust in EC. Engenders several new insights regarding the role of perceived security in EC transactions.read more
Citations
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A trust-based consumer decision-making model in electronic commerce: The role of trust, perceived risk, and their antecedents
TL;DR: A theoretical framework describing the trust-based decision-making process a consumer uses when making a purchase from a given site is developed and the proposed model is tested using a Structural Equation Modeling technique on Internet consumer purchasing behavior data collected via a Web survey.
Journal ArticleDOI
Building Effective Online Marketplaces with Institution-Based Trust
Paul A. Pavlou,David Gefen +1 more
TL;DR: In this article, the authors integrate sociological and economic theories about institution-based trust to propose that the perceived effectiveness of three IT-enabled institutional mechanisms-specifically feedback mechanisms, third-party escrow services, and credit card guarantees-engender buyer trust in the community of online auction sellers.
Journal ArticleDOI
The effect of perceived trust on electronic commerce: Shopping online for tourism products and services in South Korea
TL;DR: Choi et al. as mentioned in this paper employed a structural equation modeling approach to investigate the relationships among exogenous variables (navigation functionality, perceived security, and transaction cost) and mediating variables (trust and satisfaction), with loyalty as a dependent variable.
Journal ArticleDOI
Predicting young consumers' take up of mobile banking services
TL;DR: In this paper, the authors investigated the barriers for adopting mobile banking services and found that compatibility, trust, credibility, perceived risk and cost were significant indicators for the adoption of m-banking services.
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Psychological Contract Violation in Online Marketplaces: Antecedents, Consequences, and Moderating Role
Paul A. Pavlou,David Gefen +1 more
TL;DR: A combination of primary and secondary longitudinal data from 404 buyers in eBay's and Amazon's online auctions support the proposed hypotheses, validating PCV as a central element of buyer-seller relationships in online marketplaces.
References
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Journal ArticleDOI
Consumer trust in an Internet store
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