Predicting e-services adoption: a perceived risk facets perspective

Abstract

Internet-delivered e-services are increasingly being made available to consumers; however, little is known about how they are evaluated for potential adoption. Past research has focused primarily on the positive utility gains attributable to information technology adoption. This research extends that research approach to include measures of potential negative utility (losses) attributable to e-service adoption. Drawing from Perceived Risk Theory, specific risk facets were operationalized, integrated, and empirically tested within the Technology Acceptance Model to propose an e-services adoption model. Results indicate that e-services adoption is adversely affected primarily by performance-based risk perceptions, while perceived ease of use of the eservice reduces risk perceptions. The paper discusses the implications of integrating risk into the proposed eservices adoption model.

Risk Hurts Fun: The Influence of Perceived Privacy Risk on Social Network Site Usage

“…This influence has been a popular topic in previous research, especially in studies related to e-commerce and e-services. Indeed, multiple studies confirmed the existence of a negative influence of Perceived Risk on the usage of such services and their associated products (e.g., Featherman and Pavlou 2003;Jarvenpaa et al 2000;Malhotra et al 2004;Pavlou 2001;Pavlou 2003).…”

“…In an SNS context, Krasnova et al (2010b, p. 112) , Featherman and Pavlou 2003). Indeed, the first aspect (the misuse of personal information) includes any unwelcome use of an individual's personal information: this includes using the information for commercial purposes, becoming the target of personal attacks (for example, bullying), data being misinterpreted, and/or becoming an unknowing participant in illegal activities (for example, identity theft) (cf.…”

“…Krasnova et al 2010a Drawing from the works presented above, we describe Perceived Privacy Risk as the degree to which a person believes that using an SNS has negative consequences with regards to his/her privacy (cf. Chen 2013; Dinev and Hart 2006;Featherman and Pavlou 2003;Kim et al 2008;Krasnova et al 2010b;Peter and Ryan 1976;Wu et al 2009). …”

The factors that influence customer e-services adoption

“…To foster customer e-service adoption, the following factors must be considered: delivery performance, time saving, website functional properties, Internet familiarity, money saved, risk, customer support and product variety [2]. The factors that inhibit customer e-services adoption are: techno-stress [3], system failures, an increase in perceived risks, and low online security to protect confidential data [4]. It is essential for organisations and managers to understand-from a customer's perspectivethe factors that either inhibit or foster the adoption of e-services.…”

“…Customers are drawn towards e-services due to the convenience of, for example, the booking of flights, shopping and banking online [4]. Online self-service Email: Kamisha Persad kamishapersad@gmail.com, Keshnee Padayachee padayk@unisa.ac.za eliminates geographic barriers [5] and allows customers the convenience of shopping anywhere in the world via an e-service.…”