Search results

1 – 10 of over 39000
To view the access options for this content please click here
Article
Publication date: 1 December 2002

Yehoshua Liebermann and Shmuel Stashevsky

Previous research suggests that perceived risk is an important ingredient in the consumer decision‐making process. The purpose of the present study is to investigate what…

Abstract

Previous research suggests that perceived risk is an important ingredient in the consumer decision‐making process. The purpose of the present study is to investigate what are the perceived barriers to Internet usage and e‐marketing by both users and non‐users. By understanding these potential obstacles, more efficient marketing strategies will become available that will drive Internet use and e‐commerce. A detailed perceived risks map has been developed using a qualitative research paradigm. We suggest a model with the factors affecting the Internet’s perceived risk elements. The factors are demographic traits and usage behavior characteristics. The model is tested against a sample of 465 employed adults.

Details

Qualitative Market Research: An International Journal, vol. 5 no. 4
Type: Research Article
ISSN: 1352-2752

Keywords

To view the access options for this content please click here
Article
Publication date: 1 April 1999

Soo Jiuan Tan

Using experimental design and conjoint analysis, this paper studies the risk perception of Singaporean consumers on Internet shopping, and tests the effectiveness of…

Abstract

Using experimental design and conjoint analysis, this paper studies the risk perception of Singaporean consumers on Internet shopping, and tests the effectiveness of several risk‐reducing strategies that Internet marketers could use in promoting online shopping among consumers. The results show that Singaporean consumers with a higher degree of risk aversion than others tend to perceive Internet shopping to be a risky activity. However, Internet marketers could rely on using reference group appeal as the most preferred risk relievers for this group of consumers, particularly by getting expert users to endorse the products involved. In addition, the marketer’s reputation, the brand’s image, and specific warranty strategies are also effective risk relievers for the potential Internet shoppers.

Details

Journal of Consumer Marketing, vol. 16 no. 2
Type: Research Article
ISSN: 0736-3761

Keywords

To view the access options for this content please click here
Article
Publication date: 9 September 2013

Glenn Batey and Theresa Comer

Since its inception, the internet has become increasingly dominant in everyday life. Despite its obvious benefits, concerns have been raised as to potential risks of the…

Abstract

Purpose

Since its inception, the internet has become increasingly dominant in everyday life. Despite its obvious benefits, concerns have been raised as to potential risks of the internet such as susceptibility to being a victim of crime and bullying. For individuals with a learning or developmental disability this risk is increased given their lack of intellectual functioning and social awareness. For individuals with such a disability and a forensic background, the risks may be even greater given the added possibility of offending online. The purpose of this paper is to describe the development of an internet risk awareness group for such individuals.

Design/methodology/approach

The internet awareness group comprises of ten sessions run on a weekly basis for individuals with a learning/developmental disability and forensic background. The aim of the group is to aid an understanding of the benefits and risks of the internet, including things to be aware of to enable service users to make an informed choice and to minimise their chance of being the victim of any crime or distress. The sessions also have a forensic focus and will outline legal aspects of the internet in relation to behaviours such as stalking and will teach service users about the consequence of this.

Findings

The paper describes the process of developing the course material, providing the course and adapting it in light of feedback from participants.

Originality/value

The paper highlights the emerging nature of problematic internet use amongst learning disabled offenders. It serves to raise awareness among health and social care professionals and instigate the development of further good practice.

Details

Journal of Intellectual Disabilities and Offending Behaviour, vol. 4 no. 3/4
Type: Research Article
ISSN: 2050-8824

Keywords

To view the access options for this content please click here
Article
Publication date: 1 September 2005

Lawrence F. Cunningham, James H. Gerlach, Michael D. Harper and Clifford E. Young

This research aims to investigate the premise that the use of internet airline reservation systems is perceived to be riskier than traditional airline reservation shopping.

Abstract

Purpose

This research aims to investigate the premise that the use of internet airline reservation systems is perceived to be riskier than traditional airline reservation shopping.

Design/methodology/approach

A survey of 263 respondents investigated perceived risk at various stages of the consumer buying process.

Findings

The results reveal that perceived risk for airline reservation services follows a pattern throughout the consumer buying process. When viewed as a dynamic process, perceived risk for internet airline services shows more radical changes in risk levels than the traditional service. The analyses indicate that performance, physical, social, and financial risk are related to perceived risk at certain stages of the consumer buying process.

Practical implications

A major finding of this study is that there is a risk premium for internet airline reservation services and the risk premium permeates all stages of the consumer buying process. It is further demonstrated that the internet risk premium does affect usage levels; implying that the internet risk premium is consequential and warrants the implementation of risk mitigation strategies.

Originality/value

Unlike previous studies on perceived risk that typically focused on the relationship of perceived risk and information search, this study examines the dynamics of perceived risk throughout the various stages of the consumer buying process.

Details

International Journal of Service Industry Management, vol. 16 no. 4
Type: Research Article
ISSN: 0956-4233

Keywords

To view the access options for this content please click here
Article
Publication date: 30 January 2009

Joaquín Aldás‐Manzano, Carlos Lassala‐Navarré, Carla Ruiz‐Mafé and Silvia Sanz‐Blas

The purpose of this paper is to analyse how consumer innovativeness can be used as a variable to positively influence internet banking adoption both directly and reducing…

Abstract

Purpose

The purpose of this paper is to analyse how consumer innovativeness can be used as a variable to positively influence internet banking adoption both directly and reducing consumer perceived risk.

Design/methodology/approach

The impact of innovativeness and risk on internet banking adoption has been tested through structural equation modelling techniques. The sample consists of 511 Spanish internet banking services users accessed through an internet survey. Risk has been measured as a formative construct.

Findings

Results reveals consumer innovativeness as a key construct to improve e‐banking adoption both directly and by its effective role in reducing consumer risk perception of using internet channel in the financial services context.

Practical implications

Practical guidelines are provided to bank managers on how to use consumer innovativeness level as a segmentation variable to increase the use of internet banking among actual customers who are non users or light users of the electronic channel.

Originality/value

There is a lack of studies which connect consumer innovativeness and perceived risk in the electronic commerce context and specially on e‐banking research. Formative configuration of risk is quite an innovative approach to measure this construct.

Details

International Journal of Bank Marketing, vol. 27 no. 1
Type: Research Article
ISSN: 0265-2323

Keywords

To view the access options for this content please click here
Article
Publication date: 1 August 2005

David Kuhlmeier and Gary Knight

In the growing field of electronic commerce there are various influences that can lead to online purchase decisions. An understanding of these influences can lead to…

Abstract

Purpose

In the growing field of electronic commerce there are various influences that can lead to online purchase decisions. An understanding of these influences can lead to greater electronic marketing effectiveness. The purpose of this article is to analyze and compare the effect of internet experience, proclivity of use, and perception of risk on the likelihood of purchasing online in three different countries.

Design/methodology/approach

The empirical study includes a survey‐based design in which responses to a questionnaire completed by 492 multinational consumers are analyzed in structural equations modeling using LISREL.

Findings

Results suggest a positive relationship between consumer usage and experience of the internet and the likelihood of making online purchases. There is further indication that the perceived risk of buying online has a negative effect on consumers' purchase likelihood. Moreover, perceived risk tends to partially mediate the relationships between internet usage and purchase likelihood, and between experience and purchase likelihood. Overall, results from a three‐country study indicate that extent of ongoing internet usage, long‐term experience, and perceived risk are important antecedents to purchasing goods via the internet.

Originality/value

In the growing field of electronic commerce there are various influences that can lead to online purchase decisions. The results suggest marketers should modify their e‐marketing strategies to address specific conditions in consumer behavior that arise at the cultural, socioeconomic, and other levels of individual countries. Differences in levels of experience in using the internet, proclivity to use the internet, and perceptions of risk regarding the internet, influence the likelihood to purchase goods online. Generally, managers should minimize the perception of risk that potential consumers feel online. Consumers in different countries process e‐commerce constructs differently, perhaps because of different rates of technology diffusion.

Details

International Marketing Review, vol. 22 no. 4
Type: Research Article
ISSN: 0265-1335

Keywords

To view the access options for this content please click here
Article
Publication date: 24 July 2020

Jeffrey P. Kaleta and Lakshman Mahadevan

Research of people’s perceptions of trust, privacy and risk on the internet has generally neglected the impact of the variety of channels used to access the internet

Abstract

Purpose

Research of people’s perceptions of trust, privacy and risk on the internet has generally neglected the impact of the variety of channels used to access the internet. People primarily access the internet using internet channels at home, work, public Wi-Fi (hotspots) or through their mobile data network. The technology infrastructure of each of these channels combined with the vulnerabilities of the environment may form different perceptions, as it relates to trust, privacy and risk. The purpose of this study is to understand how people perceive the home and public Wi-Fi channel from a trust, privacy and risk perspective.

Design/methodology/approach

Adapting existing trust, privacy and risk scales, the authors conducted a survey of people’s perceptions, as it relates to home and public Wi-Fi internet channels.

Findings

The results of this study suggest significant differences in people’s perception of trust and risk depending on an internet channel. However, with regard to privacy, the results of this study provide non-conclusive, yet intriguing, outcomes motivating the need for future studies.

Originality/value

To the best of the authors’ knowledge, this is the first study that parses out people’s perceptions of trust, privacy and risk, as it pertains to specific internet channels. The authors expect future research to benefit from their findings of how different channel perceptions influence people’s online activities.

Details

Journal of Systems and Information Technology, vol. 12 no. 3
Type: Research Article
ISSN: 1328-7265

Keywords

To view the access options for this content please click here
Article
Publication date: 3 April 2018

Kanokkarn Snae Namahoot and Tipparat Laohavichien

The purpose of this paper is to examine the relationships among five dimensions of service quality towards the overall behavioural intentions to use internet banking in…

Abstract

Purpose

The purpose of this paper is to examine the relationships among five dimensions of service quality towards the overall behavioural intentions to use internet banking in Thailand and explain the indirect effects between service quality and behavioural intentions to use internet banking using perceived risk and trust as the mediating variables.

Design/methodology/approach

A multi-stage sampling procedure was performed to select the 505 respondents for this study. The participants were selected based on their experiences using internet banking in Thailand. The data obtained from the participants was analysed using a structural equation modelling approach.

Findings

The results show that service quality, perceived risk and trust influence behavioural intentions to use internet banking. This study primarily aims to find out whether perceived risk and trust worked as a mediator variable between service quality and behavioural intentions to use internet banking. The study will be useful for the developers of internet banking, when they are implementing and developing a system that is in accordance with the needs and lifestyles of the potential users; and CEOs, to create strategies and relevant policies to achieve competitive advantage.

Originality/value

Literature has focused on understanding service quality dimensions that influence the behavioural intentions to use internet banking. By expanding on the previous research in internet banking, this paper empirically examines the overall direct and indirect influences between service quality, perceived risk, trust and behavioural intentions.

Details

International Journal of Bank Marketing, vol. 36 no. 2
Type: Research Article
ISSN: 0265-2323

Keywords

To view the access options for this content please click here
Article
Publication date: 10 October 2008

Sonja Grabner‐Kräuter and Rita Faullant

This study seeks to investigate the role of internet trust as a specific form of technology trust in the context of internet banking. Furthermore, the integration of…

Abstract

Purpose

This study seeks to investigate the role of internet trust as a specific form of technology trust in the context of internet banking. Furthermore, the integration of propensity to trust within the hierarchical structure of personality and its applicability to technological systems are investigated.

Design/methodology/approach

The approach takes the form of an empirical study with 381 bank customers in Austria (adopters and non‐adopters) and the use of a basic model of the adoption of internet banking with structural equation modelling (SEM).

Findings

The results confirm the influence of internet trust on risk perception and consumer attitudes towards internet banking. Propensity to trust is a determinant not only for interpersonal relationships but also for trust in technological systems.

Research limitations/implications

This is not a representative study. Future research is encouraged to systematically investigate further facets of the personality structure in trust and adoption research, as well as to test interaction effects of psychological determinants (from the study) and external stimuli (web site characteristics).

Practical implications

Making the internet banking interface for the customer more attractive and easier to navigate is not enough to increase the adoption rate of internet banking. Trust‐creating activities to increase internet trust and to diminish perceived risk must be continuously pursued. Propensity to trust is an important determinant in the fruitfulness of these actions.

Originality/value

The paper presents the conceptualization of internet trust as a specific form of technology trust, and its pivotal role in the adoption process of internet banking, together with the extension of the propensity to trust concept to technological systems.

Details

International Journal of Bank Marketing, vol. 26 no. 7
Type: Research Article
ISSN: 0265-2323

Keywords

To view the access options for this content please click here
Article
Publication date: 20 June 2016

Fenio Annansingh and Thomas Veli

This paper aims to investigate children interaction in cyberspace and their use of Web 2.0 technologies. It sought their perception of internet risks as well as their…

Abstract

Purpose

This paper aims to investigate children interaction in cyberspace and their use of Web 2.0 technologies. It sought their perception of internet risks as well as their knowledge and experience with electronic safety (e-safety) measures. It also considered parents’, teachers’ and other stakeholders’ perception of internet risks, e-safety procedures and children’s practices while online.

Design/methodology/approach

The research adopted a mixed method approach which involved the use of questionnaires and semi-structured interviews. The results were presented and analysed using descriptive statistics, while the interviews utilised coding and data structuring.

Findings

This research highlighted that e-safety policies and procedures have not kept up to date with technological advances. Children were also developing an online presence, and because it was considered normative behaviour, they were not always cautious. Consequently, society was reactive when dealing with the internet risk issues. Hence, more resources were needed to educate parents and children on safe practices on the internet.

Research limitations/implications

This is an exploratory study and further research should be conducted for broader generalisations.

Practical implications

The paper makes a number of practical recommendations for education providers and parents to raise awareness of internet risks and e-safety initiatives.

Originality/value

This paper further extends the body of theory on e-safety and provides new insights into the risks exposure of children on the internet. It also highlights the limitations of e-safety initiatives.

Details

Interactive Technology and Smart Education, vol. 13 no. 2
Type: Research Article
ISSN: 1741-5659

Keywords

1 – 10 of over 39000