Search results

The purpose of this paper is to systematically research and characterise the cultural response of a particular culture in the use of e‐commerce systems. The research paper highlights the roles of trust, uncertainty avoidance (UA), internet store familiarity, and reputation as the main salient factors affecting the perception of the targeted group toward e‐commerce.

The paper employs a laboratory experiential survey with 370 Egyptian internet users during an internet shopping experience. The results are analysed using a number of statistical techniques including structural equation modelling.

The research highlights the significant role of the internet store's perceived familiarity and reputation as the main antecedents of online trust. The relationship between trust and its two antecedents are found to be culturally sensitive; the high UA of the consumer is found to be associated with a stronger effect of the store's reputation on trust, and a stronger effect of the store's familiarity on trust.

This research deals with intentions, not actual e‐commerce behaviour. However, there is a general consensus amongst researchers to assume that the degree to which people express their intentions to buy from an internet site is a reasonable predictor of the actual purchase behaviour. Also, UA, which is posited in this research as an important element of e‐commerce adoption, may have a different effect on the actual purchase behaviour.

The paper examines the interaction of a certain sub‐type of the Arab culture with various elements that are assumed to affect on‐line purchasing behaviour, which has not been examined in this depth elsewhere in the literature.

The purpose of this paper is to investigate internet-only banks’ (IOBs) adoption by French consumers and attempt to understand the factors that influence consumers’ initial trust in this type of service.

A non-probability convenience sample of potential IOBs adopters from France was used to test a structural equation model that analyzed the antecedents of initial trust and usage intentions of IOBs.

The study shows that trust is a major influencer in IOBs’ adoption in France. It has also been found that consumer familiarity with internet banking, high perceived structural assurance, perceived website quality, bank reputation and relative advantage are critical factors influencing IOBs’ initial trust formation.

This study shows the applicability of the initial trust-building model in the context of IOBs and underlines the importance of factors such as familiarity, reputation and perceived quality in the context of online banking services in France.

This paper provides e-banking companies with the most important factors that contribute to build the initial trust of customers. E-banks need to focus on making themselves known and promoting their brand more effectively through advertising and advocacy.

This study contributes significantly to the marketing research related to consumer trust and brand reputation, as well as to the electronic banking literature. The results show the importance of initial trust in the context of services and the main factors that influence it, including a key branding variable such as reputation. The paper also focuses on the IOBs’ adoption in France, a market understudied compared to the USA, and seeks to understand the mechanisms associated with the initial formation of French consumers’ trust toward it.

For a new technology‐based product or service at an early stage of diffusion, it is likely that only a small subset of consumers have adopted it. When non‐adopters still comprise the majority of the target populations, describing all non‐adopters as a homogeneous population may be inaccurate and inappropriate. It is important to be able to identify differences, not only between adopters and non‐adopters, but also among non‐adopters, the latter providing a means of identifying the consumer segments likely to be profitable in the future. The first objective of this paper is to demonstrate the appropriateness of further segmenting the non‐adopter category based on motivations (intentions) to adopt internet‐banking by those who are “persistent non‐adopters” and those who are likely “prospective adopters”. The second objective of this paper is to further the understanding of the adoption process of internet banking by examining a range of diffusion factors that affect consumers’ adoption behavior.

This study identifies three adopter segments, persistent non‐adopters, prospective adopters, and adopters, in the diffusion of internet banking services based on individuals’ intentions to adopt internet banking and their actual adoption behavior, using the data collected by the Graphic, Visualization, & Usability Center and Georgia Tech Research Corporation. Selective adoption factors (i.e. perceived attribute importance of internet banking, perceived risk, compatibility with existing banking services, and compatibility with the internet and computer technologies) were used to predict individuals’ adoption status through multinomial logit modeling.

It was found that further segmenting the non‐adopter category revealed meaningful differences between prospective adopters and persistent non‐adopters. This study reflects that the previous research practice of bifurcating adoption categories (adoption versus non‐adoption) is oversimplified. The two qualitatively different segments, prospective adopters and persistent non‐adopters, should not be lumped together in the diffusion of internet banking.

This study provides comparison profiles of the three adopter categories and discusses marketing implications for segmentation.

This study aims to explore technology adoption research and propose a trust antecedents model, where trust in government, trust in technology, information quality, Internet familiarity and privacy and security concerns are hypothesized to predict Jordanians trust in e-government. Also, trust in e-government extended the Theory of Reasoned Action in predicting the intention to use e-government.

Proposed a model and tried to empirically test it using a sample of 759 Jordanians who filled a survey consisting of items measuring the previously mentioned constructs. A structural equation modeling technique was used to test the model.

Results supported the proposed research model, where all proposed variables significantly predicted intention to use e-government services. Also, a partial least squares estimate of the model indicated a significant prediction of trust in e-government by all proposed variables except the Internet familiarity construct. The coefficient of determination for intention to use was 0.465, and for trust in e-government 0.415.

The study utilized a newly developed instrument in Arabic, and diverse categories of subjects, where some of them were considering a public e-learning system when responding to items.

This research is important to public officials and the Jordanian e-government project, as it emphasized the importance of trust constructs (TiT and TiG) as major influencers on the trust propensity related to e-government. Also, other constructs like information quality showed significant influence; where the type and characteristics of information posted on e-government Web sites influence the adoption decision on the long run. Jordanians’ perceptions regarding information posted on e-government Web site were all at moderate levels. More emphasis on making information more accurate, recent, comprehensive and original is needed.

This study showed a relative deficiency in Jordanians perceptions towards trusting the Internet. It seems that they reflected a moderate trust in its legal, technical and security levels. Finally, this study emphasized the role of privacy and security issues in influencing the level of trust in e-government systems. Similarly, transparency and knowledge equity are important dimensions that need to be addressed.

This study is one of the largest studies with respect to the size of its sample that explores trust in e-government in Jordan. The focus on trust antecedents and the empirical test of the model is a first attempt in the literature, where a structural model was explored raising the level of accuracy of estimation to its required potential. The number of constructs to be explored at the same time is an addition to the area of e-government technology adoption.

Even if digital financial services have a positive impact on financial inclusion, it creates a digital as well as gender divide within and across countries, creating regional disparity even within developing nations. Though pandemic has initiated digitalization of various services, there has been scanty research on whether digital transfer of income can improve digital financial inclusion in post-pandemic era, especially in developing countries. The purpose of the current study is to explain the regional disparity within developing countries from three regions East Asia Pacific, South Asia and Sub-Saharan Africa, using latest World Findex data, 2021.

The author takes an instrumental variable approach to run bivariate probit model to find the factors that motivate the users to make digital payments.

The study observes that electronic transfer of wages, government transfers and remittances can motivate individuals to make use of digital mode of transactions and mobile. The practice of formal saving and borrowings are the prerequisites. However, this mechanism holds good for East Asia Pacific and not for South Asia and Sub-Saharan Africa, which are poor in information and communication technology infrastructure. Women are lagging behind men, but digital transfer of wages motivate them to make digital transaction.

Digitalization of all government services and provision of affordable mobile network and internet services are necessary for regions like South Asia and Sub-Saharan Africa. In East Asia Pacific region, data protection, data governance and better regulatory framework are required. Higher female labor force participation with digital transfer of wages and empowerment with smartphones are key to reducing the Gender gap.

The current study corrects for the possible endogeneity issue, which the extant literature has not paid attention to, and provides region-specific and gender-specific policy recommendations for an improved digital inclusion.

Observes that traditional retail, catalog, and online‐only businesses face a critical decision – to accept a new, yet unrefined business model that includes multiple channels or to retain their single channel model and risk becoming obsolete and left behind by new, multi‐channel competitors. The decision process and implementation of a multi‐channel strategy could be simplified if businesses understood what drives consumers to a single channel, multiple channels, and which channels are preferred. Outlines the key issues facing multi‐channel marketers, and encourages multi‐channel businesses to take a customer‐centric view rather than a channel focused view to work through the challenges unique to the multi‐channel marketer. A model of multi‐channel buyer behavior is proposed to help the multi‐channel marketer develop a customer‐centric view. Presents a series of propositions which serve to encourage and direct future research in this area.

Although recent years have shown increasing popularity of e-commerce worldwide, there is still a lack of studies comprehensively exploring trust issue in e-commerce. Based on trust transfer theory and signaling theory, the purpose of this paper is to present an integrated research model to test the relationships between trust dimensions and e-loyalty, interactions among trust dimensions, as well as antecedents of different trust dimensions.

Data were collected through a web-based survey in Chinese markets and structural equation modeling with partial least squares was used to analyze the data.

The results identified that three trust dimensions all have significant impacts on e-loyalty, and relationships existed in different trust dimensions. Moreover, information quality and security protection are important factors determining institutional trust while store reputation is the most salient factor determining interpersonal trust.

This research contributes to the body of knowledge on trust by exploring the nature of trust with a multidimensional scale. Another theoretical contribution is the provision of a comprehensive understanding of the trust antecedents in e-commerce. Furthermore, this research benefits the companies doing e-businesses by allowing them to better understand how to improve consumers’ trust in the online environment and thus to retain and attract more loyal customers and succeed in online businesses.

This study examines to what extent Internet firms have globalized and the key factors that have enabled some firms to globalize more than others. Contrary to arguments that Internet-based firms automatically benefit from a global market, this study shows that most Internet firms serve regional markets, consistent with Rugman's (2000) findings for firms in the FT500. However, there are a few notable exceptions. In these cases a combination of early mover advantages, unique product, technology standards and complementary products and services have created a ‘winner-takes-all’ market in which a few firms dominate markets worldwide. Implications for globalization theories are discussed.