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This paper aims to explore the association between intangibility and perceived risk using a sample of North American households. This relationship is explored within two purchase environments, namely online and offline. The authors also investigated the moderating effects of privacy, system security and general security concerns when purchasing in an online environment.

The survey was delivered to 156 households in a small town in the Midwest and collected upon completion.

The perception of risk is increased when two negatively loaded pieces of information are processed simultaneously (i.e. product intangibility and privacy concern). Furthermore, system security was identified as the most relevant concern in e‐commerce.

The representativeness of the sample is limited. Theoretical and managerial implications are discussed.

The results provide interesting insights about the generalizability of previous findings based on student samples, and show the importance of privacy concerns, system security concerns, general security concerns for those purchasing in online environments.

The purpose of this paper is to investigate how international tourists’ cosmopolitan values change due to the restraining fear of terrorism, and how this change affects their worldview, destination perception and travel preferences.

In-depth interviews were conducted with international travellers from all five continents to pinpoint the universal shifts in cosmopolitan values, specifically regarding risk perception in the face of terrorism.

Tourists’ personal values are changing due to the increased risk of terrorism (or the perception of it), which prompts international travellers to act less on their desire for stimulation and more for their need for security when travelling. Just as any change in values tends to be relatively permanent, this value shift might have long-term consequences for the entire tourism industry.

Terrorism risk perception and its retraining effect regarding willingness to travel were established to be significant and universal. However, this study suggests that the strength of the travellers’ cosmopolitan orientation influences the extent terrorism risk is acted upon. Results indicate that the higher the travellers’ cosmopolitan conviction is, the less significantly they seem to be affected by the fear of terrorism.

The study offers cues on how managers and policy makers can enhance destination image that keeps up with the current realities of global tourism in the face of terrorism, and highlights a promising market segment, strongly cosmopolitan travellers who are less concerned with potential travel risks and react less negatively in troubled times.

Most of the previous studies considered tourists’ cosmopolitanism as a stable orientation rather than a context-specific state. This study addresses this gap by exploring how resilient the tourists’ cosmopolitan desire for openness and freedom is under the risk perception of terrorism, and what effect the fear of terrorism has on their travel habits.

The current study aims to develop and extend existing research into online behavioural intentions of consumers' by proposing, operationalising, and testing a model of the antecedents of behavioural intentions that models and evaluates how switching costs and inducements moderate the behavioural intentions of online shoppers.

The study employed a personally administered structured questionnaire to gather data regarding consumer's interpretations and evaluations of one specific website. A total of 296 completed questionnaires were analysed.

Analyses found support for the theoretical framework and uncovered strong links between a number of hypothesised antecedent and moderating factors and behavioural intentions.

The study supplies an empirical contribution through conceptualising, and subsequently empirically verifying, a model of the antecedents and moderators of online behavioural intentions. Empirical contributions also stem from the findings of moderated associations as well as from the strength and magnitude of uncovered associative links. Finally the study also generates a more general contribution to existing knowledge of e‐loyalty.

The findings of the study also have numerous implications for practitioners. The moderated regression equation indicates that the exogenous factors studied explain nearly 68 per cent of variance in behavioural intentions. As such, the findings supply valuable insights into which factors practitioners should focus their attention to better tailor their approaches and content.

The value of the current study centres on the conceptual and empirical contributions regarding the moderation of links between antecedent factors and online behavioural intentions.

With the popularity of mobile applications and increasing consumer awareness of application privacy, this paper aims to introduce a new construct of service-privacy fit (i.e. the perceived degree of match between the service of a mobile application and a privacy permission request) to predict consumers’ mobile application adoption.

Four experiments were carried out to test the hypothesized relationships. The first study investigated the direct impact of service-privacy fit on application adoption and the mediators of benefit expectancy and privacy concerns. The second, third and fourth studies further applied the moderated mediation model to analyze the moderating roles of benefit message type, regulatory focus type and privacy assurance.

The results show that service-privacy fit influences application adoption not only directly but also indirectly via the mediators of benefit expectancy and privacy concerns. Furthermore, the findings confirm the moderators of benefit message type, regulatory focus type and privacy assurance.

Drawn from the perspectives of task-technology fit and information boundary theory, this paper introduces a new construct of service-privacy fit as a determinant of application adoption. Grounded in privacy calculus theory, it further explains this relationship through mediating effects of benefit expectancy and privacy concerns. Furthermore, this paper proposes that benefit messages and privacy assurance are effective coping strategies to increase the benefit expectancy and reduce the privacy concerns of applications. Based on the perspective of regulatory fit theory, this study further shows that the effects of coping strategies rely on personal traits. The findings enrich the existing knowledge of mobile application adoption and application privacy, suggesting that practitioners should consider mobile consumers’ perception of service-privacy fit when developing applications.

This study aims to examine the effect of application architecture and application efficiency on the intention to continue using Islamic bank with data security as a moderator. The investigation was situated within the framework of a hacker attack that compromised the security of customer data at one of Indonesia’s largest Islamic bank.

A survey questionnaire method was used, and the sample population comprised users of Islamic bank in Indonesia. The respondents were then selected purposively with the criteria of individuals who were using mobile banking services. Furthermore, data collection in this study was carried out by distributing questionnaires online. To validate the questionnaire, consultation and validation were conducted by engaging four experts and conducting a pilot study. Hypothesis testing was performed using the structural equation modeling method based on partial least squares.

The results of the partial least square structural model assessment showed that application efficiency and data security positively influenced the intention to continue using Islamic bank, while application architecture had no effect. Furthermore, data security could not moderate the relationship between application architecture and efficiency toward the intention to continue using Islamic bank.

The results of this study suggested that Islamic banking practitioners must prioritize the enhancement of digital banking services, with a specific focus on improving application efficiency and ensuring robust data security. These two dimensions were critical determinants influencing the intention to continue using Islamic bank.

This study addressed the issue of data security as a moderator, particularly in the context of hacker attacks targeting a major Islamic bank in Indonesia. Furthermore, this current report expounded on the study conducted by Mir et al. (2022) by introducing novel dimensions to the e-service quality of internet banking.

E‐marketplaces are one of the relatively new trends that are affecting buyer‐supplier relationships. Although there have been several failures in the e‐business arena, whether it is business‐to‐business (B2B) or business‐to‐consumer (B2C) e‐commerce, there is no doubt that the Internet has changed the way that business is done in several ways. It has been shown that electronic commerce can fundamentally change the inter‐organizational processes involving buyer‐supplier relationships. It reshapes these buyer‐supplier relationships, improves a business's core processes, and helps reach new markets or segments through the electronic medium. This paper discusses the opportunities and challenges facing e‐marketplaces today, and also the concerns facing potential participants in these e‐marketplaces who are trying to weigh the risks presented by such participation and the possible benefits that can be reaped by streamlining supply chain processes. Some of the major concerns facing existing and potential buyers and suppliers that are discussed in this paper include integration issues, security issues and antitrust issues.

The purpose of this paper is to examine perceptions of need dissatisfaction and need importance in the two groups of orthodox medical doctors in Nigeria, relating these motivational variables to quality in‐patient care.

The paper draws on Maslow's theory, and the question format in Heller and Porter's study; 33 government‐employed doctors, and 29 private practitioners were surveyed. The “t‐test” and Mann‐Whitney test were employed in statistical analysis.

The paper finds that the two groups differed significantly in perceptions of need dissatisfaction with respect to 13 of 26 need items; and in the importance attached to “opportunity to belong to social groups” and pay. When absolute values are considered, the overall picture suggests that the two groups are most dissatisfied with pay, physiological, security, self‐actualization, and transcendence needs.

If doctors as a microcosm of Nigerian workers are to replace poor work habits with quality concepts, their needs for better pay must be satisfied to enable them to meet their physiological needs, and better facilities provided in hospitals to support skill utilization. An economy functions as a system. Doctors consume and render services. If they do not have to procure personal power‐generating sets, self‐protection, and other services that ought to be accessed as public utilities, they will be more emotionally engaged with their tasks.

The main contribution in this paper lies in the evaluation of the motivational needs of Nigerian doctors, healthcare being fundamental to life, and the emphasis on centrality of employee motivation in any planned service improvement efforts.

This paper aims to explore how perceived risk affects customer loyalty in e-commerce and how switching costs mediate in the relationship between perceived risk and customer loyalty.

In this paper, structural equation modeling was conducted, and data on Internet shopping habits of 382 consumers in Taiwan were examined.

The findings of this study revealed that lowering perceived risks can increase switching costs, which leads to customer loyalty with the service provider in e-commerce.

A sample bias may exist because the sampling was conducted through an online survey in a specific Web site. This study affirmed the theoretical framework regarding the mediation effect of switching costs on perceived risk and customer-loyalty relationships.

To avoid the single effect of reducing perceived risk on customer loyalty, practitioners should be difficult for competitors to imitate. This can increase the barriers to competition, further lock in the customer and can prevent the switch to other service providers.

The findings provide a new feasible approach to customer retention: a business can reduce customers’ perceived risk to increase switching costs against the competition for customer retention in e-commerce.