“…This could be because the enhanced potential for personalization and customization means that consumers place greater importance on their level of trust in the marketer. For consumers to engage in this channel they must trust the value-exchange process (Quelch, and Klein, 1996;Siau, and Shen, 2003), but some might perceive the mobile channel to be riskier than brick-and-mortar or even web-based service environments (Soroa-Koury and Yang, 2009;Komulainen, Mainela, Ta¨htinen, and Ulkuniemi, 2007;Siau and Shen, 2003;Gerstheimer and Lupp, 2004).…”