Consumer Perception of Electronic Commerce – Incorporating Trust and Risk with the Technology Acceptance Model

Goundar, Sam; Lal, Kunal; Chand, Ashmita; Vyas, Pranav

doi:10.5772/intechopen.98419

Cited by 6 publications

(5 citation statements)

References 30 publications

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“…Furthermore, the estimates revealed that SMEs' trust in banks influences their level of satisfaction with banks. These results are in line with Pavlou (2001); Luo et al (2003). This proves that a positive evaluation of SFNs offered by banks increases the level of satisfaction of SMEs with it.…”

Section:  Evaluation Of the Reliability Of The Constructsupporting

confidence: 86%

“…Perception of security is a user's subjective belief that their communication with the system is secure from all potential threats (Ally et al, 2005). It is the probability with which a consumer believes that their private information will not be seen, stored, and manipulated during data transfer and storage, by inappropriate parties and in an inconsistent manner (Pavlou, 2001). The higher the level of perception, the more favorable the attitude.…”

Section: The Conceptual Models and Study Hypothesesmentioning

confidence: 99%

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Analysis of the SME-Bank Relationship in the Context of Digital Financial Services in Bukavu

Mulungula¹,

Nimubona²,

Stany³

et al. 2023

JFRM

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This research proposes to analyze how SMEs in the city of Bukavu adopt the NFS provided by banks. It also verifies the explanatory factors of the adoption of these services capable of explaining the SME-bank relationship. Finally, it assesses the model for developing a long-term SME-bank relationship. We started with a survey of 352 SMEs in the city of Bukavu taken at random. Through principal component analysis (PCA) and structural equations using the PLS technique, the results show that in the adoption phase, expected effort, convenience and perceived risk have a positive effect on the intention to use NFS by SMEs in Bukavu. Similarly, these variables explain 92% of the variance in intention to use NFS versus 8% of current intention to use NFS. On the other hand, the gender of the manager, the sector of activity and the age of the SME have a moderating effect on the intention to use NFS. It was observed that the gender of the leader has a moderating effect on the relationship between expected effort, perceived usefulness, perceived risk, and social influence with the intention to use digital financial services. While SME age has no moderating effect on the relationship between expected effort, perceived usefulness, perceived risk, and social influence with the intention to use DFS. Industry has a moderating effect only on the relationship between expected effort and current use of NFS. Similarly, SME age, executive gender, and industry have a moderating effect on the relationship between convenience and current SFN use. The post-adoption model was confirmed with a better prediction. The results also provided evidence that expected convenience, perceived usefulness, and perceived risk influence the adoption intention of SFNs and also the current use of these services in the post-adoption phase, especially the trust of SMEs. In doing so, we validated the existence of

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Section:  Evaluation Of the Reliability Of The Constructsupporting

confidence: 86%

Section: The Conceptual Models and Study Hypothesesmentioning

confidence: 99%

Analysis of the SME-Bank Relationship in the Context of Digital Financial Services in Bukavu

Mulungula¹,

Nimubona²,

Stany³

et al. 2023

JFRM

View full text Add to dashboard Cite

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“…The perceived ease of use has a significant positive impact on satisfaction and continuous usage intention. The research conducted by Mohammadi [14] and Goundar [22] supports this conclusion. However, some studies have shown that the perceived ease of use does not have a significant positive impact on behavioral intention or that it has a very limited impact on willingness [55,58].…”

Section: Discussionsupporting

confidence: 55%

“…Numerous researchers have expanded upon the model when using it. The most commonly used external variables for expansion include convenience [19,20], expectation confirmation [21], perceived trust [22][23][24][25], subjective norm [25][26][27][28], and enjoyment [26,27]. By incorporating these factors into the study of behavioral intentions, the explanatory power of this article is enhanced.…”

Section: Technology Acceptance Model (Tam)mentioning

confidence: 99%

Determinants of Continuous Usage Intention in Community Group Buying Platform in China: Based on the Information System Success Model and the Expanded Technology Acceptance Model

Song,

Gui,

Wang

et al. 2023

Behavioral Sciences

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Community group buying is a new retail model with broad development prospects. The community group buying model in China has brought obvious social and economic benefits. However, the continuous usage rate on some community group buying platforms is relatively low. Consumers’ continuous usage intentions are closely related to the sustainable development of community group buying platforms. Therefore, this study integrates the information system success model (D&M model) and the expanded technology acceptance model (TAM) to construct a research model that explores the factors influencing consumers’ continuous usage intentions from both the platform’s and consumers’ perspectives. The survey data involving 418 respondents who used community group buying platforms were developed and analyzed for structural equation model (SEM) testing. The results show the following: (1) Perceived usefulness, perceived ease of use, service quality, perceived trust, expectation confirmation, and subjective norms significantly affect continuous usage intention. (2) Subjective norms are significantly related to continuous usage intention. Perceived usefulness, perceived ease of use, service quality, perceived trust, and expectation confirmation indirectly affect continuous usage intention through user satisfaction. This research provides a new perspective for the theoretical research of community group buying and helps to promote the sustainable development of community group buying platforms in management practice.

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“…A lack of predictability in internet technology leads to environmental uncertainty. Consumers' adoption of cryptocurrency is also highly variable and may be explained by trust, perceived usefulness, and perceived ease of use [34].…”

Section: Consumer Perception and Behavioral Factors Related To The Us...mentioning

confidence: 99%

Global Market Perceptions of Cryptocurrency and the Use of Cryptocurrency by Consumers: A Pilot Study

Murugappan,

Nair,

Krishnan

2023

JTAER

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Cryptocurrencies, like Bitcoin and Ethereum, have garnered global attention in recent years as digital alternatives to traditional fiat currencies. This paper explores the complex landscape of cryptocurrency adoption, consumer behavior, and perceptions. Beginning with the origin of cryptocurrencies and the dominance of Bitcoin with its USD 1.23 trillion market capitalization, the paper highlights popular online platforms facilitating Bitcoin trading. It also examines the varying legal statuses and regulations across different countries, with a notable divide between Eastern and Western nations, attributed to factors like wealth, risk tolerance, and government restrictions. The role of blockchain technology as the foundation of cryptocurrencies is explained, emphasizing its role in ensuring secure and transparent transactions. The paper delves into the processes involved in handling cryptocurrencies, including the blockchain, exchanges, wallets, and mining. Consumer behavior and the factors influencing cryptocurrency usage are analyzed, with a focus on speculation, algorithm trust, spending power, and demographics. Survey findings and case studies from diverse geographical areas reveal patterns of adoption and local consumer perceptions. The paper concludes by discussing the cryptocurrency market’s inherent volatility and sensitivity to regulatory changes, as well as the different types of cryptocurrencies and online exchanges shaping this evolving financial landscape. Overall, it offers insights into the complex dynamics surrounding cryptocurrency adoption and its potential impact on global finance.

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Consumer Perception of Electronic Commerce – Incorporating Trust and Risk with the Technology Acceptance Model

Cited by 6 publications

References 30 publications

Analysis of the SME-Bank Relationship in the Context of Digital Financial Services in Bukavu

Analysis of the SME-Bank Relationship in the Context of Digital Financial Services in Bukavu

Determinants of Continuous Usage Intention in Community Group Buying Platform in China: Based on the Information System Success Model and the Expanded Technology Acceptance Model

Global Market Perceptions of Cryptocurrency and the Use of Cryptocurrency by Consumers: A Pilot Study

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