Concerns About Payment Security of Internet Purchases: A Perspective on Current On-Line Shoppers

Abstract

Consumers’ concerns about payment security have been recognized as an obstacle to the growth of Internet shopping. The purpose of our study was to investigate the influence of payment security concerns on Internet purchases. We proposed that consumers’ concerns about payment security mediate the relationship between attitude toward Internet shopping and actual purchases. Using data from the Georgia Institute of Technology Graphics Visualization and Usability Center’s 10th WWW User Survey, we found empirical evidence supporting the mediating relationship. Attitude toward Internet shopping was found to be negatively related to security concerns, and security concerns were found to be negatively related to Internet purchases. Furthermore, it was found that providing alternative off-line payment methods reduces security concerns and therefore promotes on-line purchases. Limitations on generalizing the findings were discussed.

Social shopping website quality attributes increasing consumer participation, positive eWOM, and co-shopping: The reciprocating role of participation

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Determinants of customer intentions for online shopping: A Study from Pakistan

“…Commercial websites are designed by the good organization, ease of navigation, the lack Lutter, and quick access. Security Credit cards are the most dominant concern advent of electronic commerce (Kwon and Lee, 2003, Chain Store Age, 1999, Szymanski and Hise, 2000. Szymanski and Hise (2000) found that the level of economic consumers feel safe with online retailers related to e-satisfaction.…”

Acceptance of apparel private sale sites by consumers: application of original and extended technology acceptance model

“…Moreover, it may be because, no item was inserted regarding the payment security in the proposed research model. According to Kwon and Lee (2003), 'intention' is influenced from the trust which is specifically related with the payment security.…”