E-Commerce Commons^™

Risk, Benefit, And Trust In Emotionally Intense Services: A Moderated Mediation Model Of Home-Based Palliative Care Adoption In China, Cong Zhuang, Wenfeng Wei, Kyung-Min Kim

Asia Marketing Journal

As aging populations expand across Asia, home-based palliative care remains underutilized despite its potential to preserve dignity and emotional well-being. This study examines adoption decisions under emotionally intense uncertainty by testing a moderated mediation model in which perceived risk reduces adoption intention through diminished perceived benefit, and trust conditions the risk–benefit appraisal link. A scenario-based experiment with 400 Chinese participants was analyzed using PROCESS Models 4 and 7 with bias-corrected bootstrapping. Results show that perceived benefit fully mediates the effect of perceived risk on adoption intention. Trust shows evidence of conditioning the association between perceived risk and perceived benefit; however, …

Neo Banking Adoption Among Banking Customers: An Empirical Study Using Pls-Sem, Sree Bhoojitha V, Vishnucharan N S

Journal of Global Management Research

The rapid advancement of financial technology has fundamentally transformed the banking landscape, giving rise to neo banks — fully digital banking platforms operating without physical branches. Despite the growing significance of neo banking in India, customer awareness and adoption remain evolving areas requiring systematic investigation. This study, titled "Study on Neo Banking Adoption by Banking Customers," examines customer awareness, usage patterns, satisfaction levels, and the key factors influencing adoption intention of neo banking services. Grounded in the Technology Acceptance Model (TAM), the study incorporates Perceived Usefulness, Perceived Ease of Use, and Trust as independent variables influencing Neo Banking Adoption Intention. …

Analysis Of Consumer Response To Online Same-Day Grocery Delivery Service: The Case Of Korea, Hyun Sang An, Arim Park, Ju Myung Song, Christina Chung

Atlantic Marketing Association Proceedings

No abstract provided.

Emotion Is Dead, But Can Persuasion Survive? The Effect Of Ai-Generated Reviews In Digital Marketing On Consumer Trust, Jianping Huang, Mark J. Sciuchetti Dr.

Atlantic Marketing Association Proceedings

No abstract provided.

E-Payment Systems Use: The Role Of Cybersecurity Risk And The Moderating Effect Of Risk Propensity And Technology Readiness, Abdou Illia, Hyunsun Kim-Hahm, Thomas Ngniatedema, Mahaman Sani Yakoubou

Journal of International Technology and Information Management

Advances in digitalization have accelerated consumer migrations away from traditional cash- and check-based payment systems towards electronic payment systems worldwide. Yet, many people still remain resistant. This study examined the role of motivational and inhibiting factors and their interaction effects on the use of e-payment systems. The findings suggest that perceived cybersecurity risk, risk propensity, trust in the companies offering the e-payment services, and technology readiness have a significant direct impact on the use of e-payment systems. The findings also suggest that risk propensity and technology readiness have a tempering effect on the negative impact of perceived risk. The study …

Trusted Advisor: Reality Or Fading Myth?, Stephen C. Carlson, Susanna Warnock, Gerald Sullivan, Margaret Ryder

Atlantic Marketing Journal

The role of trusted advisor has long differentiated the role of community banking from traditional national banks in its relationship with small businesses. This study serves two purposes. First is to confirm presence of a trusted advisor relationship and secondly, understand the impact of digital banking services on the community banker – small business owner relationship. Using data collected in a survey of community bankers and small business owners in five southeastern United States, this study assesses the viability of the trusted advisor construct by applying the Integrative Model of Organizational Trust (Mayer, Davis, & Schoorman, 1995, 2007), trust-building behaviors …

Effect Of Servant Leaders’ Humility, Active Listening, And Trust-Building On Employee Engagement In U.S. Private Financial Organizations, Sunny Sung Phd, Tom Butkiewicz Ph.D.

International Journal of Applied Management and Technology

Ineffective leadership characteristics hinder employee engagement in the financial industry, leading to negative organizational outcomes. The purpose of this quantitative, correlational, cross-sectional study was to examine the relationship between servant leaders’ humility, active listening, and trust-building and employee engagement in U.S. private financial organizations. The servant leadership theory of serving followers and the social exchange theory of reciprocity grounded this study. Using simple random sampling, the participants comprised190 employees from private financial organizations in the United States. They completed the Servant Leadership Scale-7; Servant Leadership Assessment Instrument factors 6 and 7; the hearing, understanding, remembering, interpreting, evaluating, and responding (HURIER) …

Trust And Ethics In Ai-Driven E-Commerce: Persuasion Vs. Privacy, Akriti Nepal

Student Publications

This study examines how AI-driven features in e-commerce influence user satisfaction and the role of trust in these interactions. Using a survey-based dataset of 100 consumers, we investigated whether trust moderates or mediates the impact of AI persuasiveness and perceptions of bias, intrusiveness, and preference understanding on satisfaction. Results indicate that AI’s perceived ability to understand user preferences strongly predicts satisfaction, while trust partially mediates the relationship between helpful AI features and urgency messages and user satisfaction. Conversely, trust did not significantly moderate these relationships, and concerns about bias and intrusiveness had minimal impact. Findings suggest that AI-driven satisfaction is …

The Impact Of User-Generated Content And Online Reaction Videos On The Marketing Of Video Games, Diane R. Edmondson, Randy Clark, Trevor Golter

Atlantic Marketing Journal

Modern developments in social media, video streaming platforms, and user-generated online content from influencers have led to a growth in video game marketing. One of the prominent genres of user-generated content on video platforms is the reaction video. These videos are relied upon for spreading information and marketing in the video game industry. Providing a better understanding of the impact of this video game promotional outlet is beneficial for marketers, social media influencers, and businesses in this industry. We collected data from 623 Southeastern University undergraduate students to address this topic using a Qualtrics survey. The survey consisted of two …

Mediating Effect Of Mobile Banking Trust On Information And System Quality, Marko Van Deventer

Journal of Marketing and Consumer Behaviour in Emerging Markets

In the context of mobile banking services, trust emerges as a pivotal factor influencing both the acceptance and utilisation of these services, significantly shaping customers' confidence in their usage. Existing literature proposes that trust operates as a mediator in the connection between customers' perceptions of the quality of information and the overall system in mobile banking.

This study aimed to investigate whether trust acts as a mediating variable in the relationship between information and system quality within the mobile banking experiences of Generation Y customers in the South African banking sector. Employing a descriptive research design, the study distributed self-administered …

Whose Opinions Do We Trust? Some Thoughts On Online Product Ratings And Consumer Decision Making, David Ackerman, Barbara Gross, Jing Hu

AMTP Proceedings 2024

User-generated reviews play a crucial role in assessing market offerings and informing consumers’ purchase decisions. This study applies extant theory to examine the influence of online product ratings and reviews on consumers. The findings from experiments suggest that the impact of online ratings is heightened for higher-priced products in comparison to their lower-priced counterparts during both the information search and product evaluation stages of consumer decision making. Results also indicate that consumer ratings on social media may have more of an impact on consumers than do the ratings of experts. Consumers demonstrated a greater purchase intention for products that received …

Trust Relationships: Tales From The Web, Magdoleen Ierlan

Atlantic Marketing Journal

Trust is an important component of any purchasing situation. In an online setting, trust becomes even more important as buyer and seller are not able to directly interact with one another. Compounding the situation is the fact that the consumer cannot directly experience the product under consideration. Organizations have attempted to address this shortcoming by allowing third parties to offer reviews of the product in question. This paper addresses how consumers process these product reviews.

By rooting this paper in trust and uncertainty reduction theory, a testable model was developed. The model was tested, and in general, more helpful reviews, …

Examining Factors Influencing Intention To Use M-Health Applications For Promoting Healthier Life Among Smartphone Users In Tanzania, Herman Mandari, Mahija Yahaya

Journal of International Technology and Information Management

Deaths related with Non-Communicable Diseases (NCDs) have recently increases, similarly, development of mobile technologies have paved a way in which Smartphone users can use m-health applications to address high level of sedentary behaviours that relates to negative health consequences. Therefore, this study was conducted to examine factors which may influence generation Y who are Smartphone users to adopt m-health applications in controlling NCDs in Tanzania. TAM theory was extended with awareness, trust and perceived cost to develop a research conceptual model of this study. Google form was used to developed online questionnaire which was distributed through social media platforms to …

The Role Of Country Of Origin, Perceived Value, Trust, And Influencer Marketing In Determining Purchase Intention In Social Commerce, Ali A. Abou Ali, Alaa A. Ali, Nehale Mostapha

BAU Journal - Society, Culture and Human Behavior

The paper aims to improve understanding about the causes why customers intend to purchase online through social media networks. The study examined factors affecting purchase intention namely: country of origin effect, trust, perceived value, and influencer marketing on the willingness of buyers to purchase clothes through social commerce. A questionnaire was established for data collection, and 400 forms were collected in Lebanon, and were analyzed using SEM to examine the relationships in the conceptual framework suggested. Results designated that country of origin, trust, and perceived value were three significant precursors of customers’ purchase intention in the context of social commerce. …

Trust And Closeness: A Mixed Method For Understanding The Relationship Of Social Network Users, Lei Yang, Xue Wang, Margaret Meiling Meiling Luo

Journal of International Technology and Information Management

Mutual trust among social networks users encourages positive communications, so it is critical to study trust in the context of online social networks. In this study, we built a model to calculate trust of social media users. Data was collected from Qzone (Tencent Technology Co., Ltd.), a SN service (also known as QQ) in China. We identified 150 QQ users and 3 friends from each of the users; data of these users were collected by Python program. The relationship between trust and closeness was constructed using an ordinary least squares regression model, and the factors that influence trust between social …

Exploring The Behavioral Intention To Use Collaborative Commerce: A Case Of Uber, C. Christopher Lee, Sinéad Ruane, Hyoun Sook Lim, Ruoquing Zhang, Heechang Shin

Journal of International Technology and Information Management

The goal of our research study is to develop a hybrid instrument built on the revised Unified Theory of Acceptance and Use of Technology (UTAUT2) framework, which is reliable in predicting the behavioral intention to use the Uber ridesharing app. It focuses on extending the UTAUT2 in collaborative consumption, particularly from a consumer and ridesharing-app perspective. Our proposed framework, UTAUT-CC, preserves existing UTAUT2 constructs – performance expectancy, effort expectancy, social expectancy, and facilitating conditions. It also retains demographic moderating variables of age and gender, while maintaining some of the key integral relationships depicted in those models. We integrated three new …

Adoption Of E-Wallet Among University Of Malaya Students, Jia Enn Tan

Student Works (2020-2029)

Malaysia is towards a cashless nation and factors that delaying the process of cashless society are still unclear. The objective of this paper is to examine the adoption of e-wallet among University of Malaya (UM) students. The purpose is examined by key determinants which include social influence, perceived ease of use, perceived usefulness, perceived security and trust among university students. Data is collected by a self-administered survey questionnaire from University of Malaya (UM) students. Software IBM SPSS is adopted to analyse the data collected from survey questionnaires. The findings in this study shows that social influence and perceived usefulness are …

Role Of Trust And Involvement In The Effectiveness Of Digital Third-Party Organization Endorsement, Liming Guan, Vishal Lala

Atlantic Marketing Journal

In this research, an online experiment was conducted to investigate the effect of the mere presence of digital third-party organization (TPO) endorsement and the quality of information conveyed by a digital TPO, referred to as the endorsement information value effect. Involvement and institution-based trust were tested as moderators of the endorsement information value effect. The results confirm the intuitive belief of managers that the mere presence of a digital TPO endorsement benefits websites by reducing risk perceptions, improving attitudes and increasing choice likelihood. The findings from this research revealed that effectiveness of digital TPO endorsement information value was contingent upon …

Achieving Value Co-Creation In It Outsourcing, Szu-Yuan Sun, Li-Shan Chen

Journal of International Technology and Information Management

Over the past few decades, information technology outsourcing has become a widely used and researched means for enterprises to enhance their performance. As future collaboration is the most desirable outcome between enterprises and IT outsourcing vendors, the purpose of this study is to construct a new model to examine: 1) whether information technology outsourcing satisfaction impact future collaboration, 2) whether value co-creation impact outsourcing satisfaction, 3)which factors influence value co-creation, and 4) whether trust influence enterprises’ commitments. This research assumes that: 1) trust predicts enterprises’ commitments; 2) customer orientation and participation, service quality, communication culture, and enterprises’ commitment predicts value …

Progressive Trust Formation Within The South African Fresh Produce Industry Through The Use Of Self-Service Technologies, Justy Range, Awie C. Leonard Phd

The African Journal of Information Systems

When using self-service solutions to deliver services the challenge is to retain the trust of the end user. This is specifically the case when dealing with end users in the fresh produce market environment. This sector has not seen the adoption of self-service technologies specifically in southern Africa. In this paper we propose a model to enhance our understanding of trust formation using self-service technologies. A qualitative research approach, based on a case study was followed to create the model. This case study offers insight into how the dynamics of the product, supporting services and the technology shapes trust forming …

This Thesis Is Submitted In Partial Fulfillment Of The Requirements For The Degree Of Master Of Science In Information Technology Management, Farhan Mohammed

Theses

A large number of recent advancements in the technology of Unmanned Aerial Vehicles (UAVs) have enabled them to be very useful and effective in many applications in today’s society. They demonstrate a high degree of stability and agility in the air. A few years ago military applications were the main driving force behind the development of UAVs and UAV systems. Many of their applications included monitoring, surveillance, data transmission and communication. Recently, several opportunities have emerged and participated in driving the development of UAV technology further ahead. Such opportunities include integration of UAVs with smart cities, disaster recovery, military and …

Rating Determinants Factored In E-Commerce Decision-Making, Juheng Zhang, M. Riaz Khan, Dachuan Shih

International Journal of Applied Management and Technology

The user-generated content (UGC) Web sites are gaining popularity for a wide range of media content, such as news, blogs, forums, and open-source software. Instead of relying on information on company Web sites, users benefit by reading reviews written on UGC Web sites by consumers. Online evaluations are usually informative and reduce the information asymmetry. This study examines the problem where UGC can be expedient for online hotel booking. It investigates the relationship between the ratings obtained from the TripAdvisor.com reviewers and the hotel price levels in the United States, outside the United States, and top 20 hotels and others, …

Analysis Of The Factors That Influence Online Purchasing, Donald Amoroso, D. Scott Hunsinger

Faculty Articles

This paper reviews recent studies related to the Technology Acceptance Model (TAM) in order to derive an extended model that examines online purchasing by consumers. Our model expands the original TAM by including additional constructs including privacy, trust, perceived risk, e-satisfaction, and e-loyalty. We surveyed over 1,850 consumers in the United States and Australia using an instrument that yielded respectable reliability and validity. The findings suggest that our expanded model serves as a very good predictor of consumers' online purchasing behaviors. The linear regression model shows a substantial amount of variance explained for Behavioral Intention (R2 = .637). We also …

A Framework And Guide For Understanding The Creation Of Consumer Trust, Joseph A. Cazier

Journal of International Technology and Information Management

This paper develops a framework and model for building trust by combining research on the creation of trust with the dimensions of trust: ability, benevolence and integrity. By combining these dimensions in a matrix with the types of trust production based on characteristics, process and institutions, the paper develops a robust 3 x 3 matrix with which to categorize and understand trust production. The framework is developed and analyzed in the light of literature on consumer trust. This framework can help researchers, practitioners and consumers understand trust creation and assist businesses in developing a comprehensive strategy for managing trust.

Consumers’ Attitudes Of E-Commerce In China, Hongjiang Xu, Xiaowen Zou, Hengshan Wang

Scholarship and Professional Work - Business

This research studied the problem of B2C and C2C
consumers’ attitudes towards trust of the business
transaction process in China by using the
“Consumer Attitudes towards Trust in the e-
Business Model.” Four factors in the model were
analyzed, privacy, security, financial institution and
trusted seal. From this analysis, the conclusion on
the consumers’ attitudes was drawn.

A Qualitative Investigation On Consumer Trust In Mobile Commerce, Keng Siau, Hong Sheng, Fiona Fui-Hoon Nah, Sidney A. Davis

Research Collection School Of Computing and Information Systems

Mobile commerce represents a significant development in e-commerce, offering accessibility, ubiquity, mobility, and localisation to users. Despite the potential of mobile commerce, trust is a major obstacle in its adoption and development. Many consumers feel uncomfortable with the idea of conducting commerce over wireless, hand-held devices. The focus of this research is to understand trust in mobile commerce and to identify factors that are important for trust development. The research builds on Siau and Shen's framework which depicts two key factors influencing trust in mobile commerce. This research not only validates and expands on the existing framework, but also provides …

Propensity To Trust, Purchase Experience, And Trusting Beliefs Of Unfamiliar E-Commerce Ventures, Gregory B. Murphy

New England Journal of Entrepreneurship

Trust has become a major issue among online shoppers. This underresearched subject will predictably determine the success or failure of e-commerce vendors. The lack of face-to-face interaction, the inability to inspect goods and services prior to purchase, and the asynchronous exchange of goods and money all contribute to the perceived risk of purchasing online and the resulting need for trust. Trust is particularly critical for small and new Internet ventures confronted by the liability of newness (Stinchcombe 1965). Lacking, among other things, a name that is readily recognized in the marketplace, entrepreneurial Internet ventures require trust if they are to …

Hci Research Issues In Electronic Commerce, Fiona Fui-Hoon Nah, Sid Davis

Research Collection School Of Computing and Information Systems

This article outlines a number of important research issues in human-computer interaction in the e-commerce environment. It highlights some of the challenges faced by users in browsing Web sites and conducting searches for information, and suggests several areas of research for promoting ease of navigation and search. Also, it discusses the importance of trust in the online environment, describing some of the antecedents and consequences of trust, and provides guidelines for integrating trust into Web site design. The issues discussed in this article are presented under three broad categories of human-computer interaction – Web usability, interface design, and trust – …