Determining the Failure Level for Risk Analysis in an e-Commerce Interaction

Hussain, Omar Khadeer; Chang, Elizabeth; Hussain, Farookh Khadeer; Dillon, Tharam S.

doi:10.1007/978-3-540-89784-2_12

Cited by 7 publications

(6 citation statements)

References 13 publications

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“…Therefore, if banks want to maintain their competitiveness, it is important for them to understand factors such as cultural differences that affect customers' continual acceptance of internet banking (Eriksson et al, 2005). As internet banking is a customer-centric service offered to consumers worldwide, the service would be a failure if consumers' expectations of the service are not well understood (Hussain et al, 2009). Despite the importance of cultures on internet banking, many prior studies overlooked such factor. For example, Martins et al (2014) examined user acceptance of internet banking services in Portugal, but they did not incorporate the cultural element in the study.…”

Section: Introductionmentioning

confidence: 99%

“…In 2009 global internet banking revenue decreased 1.4 per cent in North America, 2.3 per cent in Asia-Pacific, and 6.1 per cent in Europe (Capgemini et al, 2009). One of the main reasons for the decline is insufficient understanding of consumers' internet banking preferences (Hussain et al, 2009). Many banks invest in internet banking with the hope of reducing operating costs and maximising profits without realising that their investments would go to waste unless they understand customers' banking preferences (Eriksson et al, 2005).…”

Section: Introductionmentioning

confidence: 99%

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Internet banking acceptance in the United States and Malaysia: a cross-cultural examination

Yuen

Yeow

Lim

2015

Marketing Intelligence &Amp; Planning

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Purpose -The purpose of this paper is to investigate the cultural differences in internet banking adoption between the USA and Malaysia. It aims to provide marketing recommendations based on specific cultural dimensions to promote internet banking. Design/methodology/approach -With four added variables (attitude towards use, perceived credibility, self-efficacy, and anxiety), the Unified Theory of Acceptance and Use of Technology model was used. A questionnaire was developed based on the research model and distributed to 1,050 internet banking users from two countries. Structural equation modelling (SEM) was applied to 666 valid questionnaires to test the research hypotheses. Findings -Results show that due to cultural differences, global consumers have different internet banking adoption patterns. Consumers in the USA have a more positive attitude towards use. Moreover, perceived credibility plays an important role in influencing internet banking in the USA. On the other hand, performance expectancy has a direct influence on internet banking adoption in Malaysia. Cultural dimensions such as individualism/collectivism, power distance, uncertainty avoidance, monochronic/polychromic, and high context/low context were used to explain these findings. Based on the findings, marketing recommendations that help promote internet banking in both countries were provided. Originality/value -This is the one of the pioneer studies that highlights the importance of cultural differences in promoting internet banking services. It contributes to the literature by developing and testing a comprehensive research model using SEM.

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Section: Introductionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Internet banking acceptance in the United States and Malaysia: a cross-cultural examination

Yuen

Yeow

Lim

2015

Marketing Intelligence &Amp; Planning

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“…Perceived risk influences consumer behavior and is hence an important element in B2C e-commerce [31]. Risk perception is related to fear of loss or anxiety that interactions do not turn out the desired way [44]. Online shoppers perceive four kinds of risk: product performance risk, financial risk, time/convenience risk [45,46], and psychological risk [47].…”

Section: Risk Perceptionmentioning

confidence: 99%

Let me Entertain You – the Influence of Augmented Reality on Purchasing Intention in E-Commerce

Beurer-Zuellig¹,

Klaas²

2022

Proceedings of the Annual Hawaii International Conference on System Sciences

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Augmented reality (AR) in e-commerce helps consumers to envision products in their respective surroundings, so fosters customer experience. Our online experiment with 302 probands explores the effect of AR on purchasing intention, taking into account motivational variables-perceived usefulness, entertainment and perceived ease of use (PEOU). Consumers viewing products in an ARenabled online shop rated perceived usefulness, entertainment and PEOU significantly higher than the control group viewing the non-AR-enabled online shop. Performing mediation analysis, we found that AR significantly influences purchase intention, which is mediated by perceived entertainment. Our findings add to the understanding of the interplay of the motivational variables perceived usefulness, entertainment and PEOU as well as the impact of AR on customer decision making. From a managerial point of view, our findings suggest that in the current stage of the technology, AR is perceived as a playful add-on to online shopping, positively impacting purchase intention.

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“…The detail steps of the methodology by which the risk assessing agent can determine the sub-category performance risk of the risk assessed agent are mentioned in [22]. To extend the interaction scenario discussed in Section 3, let us consider that the risk assessing agent 'A', by utilizing its past interaction history and recommendation from other users, determines the FailureLevel Curve (FLC) in forming an interaction with the logistics company as shown in Figure 2.…”

Section: Assessment Of Perofmrnace Risk In E-business Interactionsmentioning

confidence: 99%

A Methodology for Transactional Risk Assessment and Decision Making in e-Business Interactions

Hussain

Dillon

Chang

et al. 2009

2009 IEEE International Conference on E-Business Engineering

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The development and advancement of technologies have enabled users to complete their tasks efficiently. They have also provided them with various options and alternatives to complete and achieve their tasks. In such an environment, it is imperative for a user to make informed decisions that would ensure that its aims or objectives are achieved and its interaction experience is maximized. In the literature, various approaches for decision making have been proposed. But among those approaches, the notion of risk has been considerably ignored in the domain of e-business, despite its having been acknowledged as an important concept related to decision-making in any domain. In this paper, we propose a methodology by which users in an e-business domain can assess and analyze the level of transactional risk in the domain of e-business and then take it into consideration when making an informed interaction-based decision.

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Determining the Failure Level for Risk Analysis in an e-Commerce Interaction

Cited by 7 publications

References 13 publications

Internet banking acceptance in the United States and Malaysia: a cross-cultural examination

Internet banking acceptance in the United States and Malaysia: a cross-cultural examination

Let me Entertain You – the Influence of Augmented Reality on Purchasing Intention in E-Commerce

A Methodology for Transactional Risk Assessment and Decision Making in e-Business Interactions

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