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While Web‐based consumer activity is poised on the brink of dramatic growth, concerns about security have the potential to limit this growth by arousing shopper’s concerns about the Web‐based channel. One key aspect to consumer participation in Web commerce may be the extent to which they perceive risk to their sensitive information. This study describes the creation of a scale to measure perceived Web security. We apply the scale in a causal model to investigate the relative impact of beliefs about Web shopping on intent to purchase products using the World Wide Web. Data from two samples is used to develop the scale and to perform the causal analysis. Our findings indicate the favorable psychometric properties of the scale, and the causal analysis from our sample indicates that security is a greater influence on intent to purchase using the Web than is the ease and utility of purchasing products.

The purpose of this research is to analyse the influence of perceived web site security and privacy, usability and reputation on consumer trust in the context of online banking. Moreover, the paper also aims to analyse the trust‐commitment relationship since commitment is a key variable for establishing successful long‐term relationships with customers.

The paper describes the positive effects of security and privacy, usability and reputation on consumer trust in a web site in the online banking context. Besides this, it also suggests that trust has a positive effect on consumer commitment. After the validation of measurement scales, the hypotheses are contrasted through structural modelling. Finally, the paper compares the hypothesised model with a rival one in order to test the mediating role of trust.

The data showed that web site security and privacy, usability and reputation have a direct and significant effect on consumer trust in a financial services web site. Besides this, consumer trust is positively related to relationship commitment. Finally, it is observed that trust is a key mediating factor in the development of relationship commitment in the online banking context.

The high costs every company has to face in order to attract new customers make it increasingly necessary to reinforce the ties established with customers. In this respect, this research offers several alternatives for improving the levels of consumer trust and commitment in the context of online banking. The limitation is that data were collected to a web survey only of Spanish‐speaking subjects.

This study proposes a model for analysing empirically the link between security, privacy and trust, amongst others, in the online banking context.

Online trust is one of the key obstacles to vendors succeeding on the internet medium; a lack of trust is likely to discourage online consumers from participating in e‐commerce. This research aims to investigate how online consumers develop their initial trust and purchase intentions. The research in conducted in the context of Taiwanese online bookstores.

The research examines consumers' online initial trust by using four major categories of determinants: perceived technology, perceived risk, company competency, and trust propensity. It also investigates the impacts of both online initial trust and familiarity with online purchasing on purchase intention. The research model is statistically tested using the web sites of four online bookstores in Taiwan. The web site selected by each respondent is unfamiliar.

It is found that perceived usefulness, perceived security, perceived privacy, perceived good reputation, and willingness to customise are the important antecedents to online initial trust. It is also discovered that different levels of trust propensity moderate perceptions toward the web site and online with respect to online initial trust, including perceived usefulness, perceived security, perceived privacy, perceived good reputation, and willingness to customise. Both online initial trust and familiarity with online purchasing have a positive impact on purchase intention.

The research provides insight into the development of online initial trust by consumers, and the relationships between online initial trust and purchase intention. The research model was created and then tested in the context of online bookshops in Taiwan.

The purpose of this paper is to suggest a model that reflects the role that web site cognitive and experiential signals, firm reputation, bricks‐and‐mortar experience, and consumer satisfaction play as determinants of trust in the web site, taking into account the moderating effect of consumer‐perceived risk when buying online.

The investigation uses quantitative research methods. Data collected from interviews with 507 Spanish online buyers are analysed through structural equation modelling.

Internet users who buy online more frequently can trust a web site only based on their previous satisfaction, whereas users who perceive more risks need to perceive that the firm has a good reputation and bricks‐and‐mortar experience apart from other signals such the quality of the service.

The results show interesting implications for online vendors, who should apply different commercial strategies to potential buyers according to the level of perceived risk.

This study empirically considers several signals that electronic retailers send to the market in order to create buyer trust and satisfaction, while most studies on signals have been theoretical and normative or have not contemplated so many signals simultaneously. Besides, this paper has extended knowledge of the process of the generation of customer trust in online contexts for different types of users according to their level of perceived risk.

Focuses on examining consumer characteristics that influence Internet users to adopt the Web for purchase related behavior (retail usage). The key constructs examined in relation to actual adoption are attitudes and perceived usefulness. Also focuses on variables that impact Internet users’ attitudes toward Web retailing, including Internet users’ shopping orientation, perceived Web security, shopping innovativeness, satisfaction with Web sites, importance of inspecting products and price sensitivity. Data was gathered via a self‐administered Web survey. A total of 392 completed surveys were obtained and the results indicate that such characteristics of consumers do influence attitudes towards using Web retailing. The results also indicate that attitude and perceived usefulness do predict adoption of the Web for retail usage. Finally, the results indicate that significant differences exist between adopters of Web retailing and non‐adopters in the price significance, need to handle products and purchase likelihood when they cannot handle products purchased via retailing channels.

Privacy and security concerns of consumers have been touted as one of the hindrances to the growth of e-commerce. These concerns increase the risk perception of consumers. Understanding the consequences of privacy and security concerns and their relationship to risk perceptions may provide a solution. The relationship between privacy and security is investigated using the theory of planned behavior. The study aims to examine the relationship of trust, privacy and security concerns to the risk perception adoption of e-commerce. The results from a survey validate the model.

Data were collected using survey from undergraduate business students. The respondents were requested to select a specific product that they plan to purchase in the next six months. After selecting a product, the respondents were requested to report an online company that they have recently visited which offers the selected product. The respondents were requested to fill out the survey with regard to their selected online company. Time given was approximately 20 min.

The results suggest that privacy and security concerns and trust beliefs had effects on risk perception. Among these effects, trust had the largest effect followed by privacy and security concerns. Furthermore, risk perception and trust beliefs had effects on attitude. The effect of trust beliefs on attitude was larger than the effect of risk perception on attitude. Similarly, subjective norm, perceived behavioral control and attitude had a positive and direct effect on intention to be involved in e-commerce.

The first limitation of this study is the use of student subjects. Because this study took place in an educational setting, its generalizability to the general population of consumers lacks to some degree. The second limitation of this study is mono-method bias.

The effect of privacy concerns on risk perception was larger than that of security concerns. Because the consumers get more experienced and sophisticated using the Web, the security concerns that they may have had at the beginning are not reflected in their risk perceptions. It is likely that they have adopted protective measures on their own to defend their privacy online. An example of such a measure would be providing false information to online companies when asked to submit personal information.

The major contributions of this study are developing and validating an integrative framework of e-commerce adoption at the individual level. The model includes privacy and security concerns, risk perception and trust beliefs. This study also highlighted the distinction of constructs of privacy and security concerns and showed their differential effects on other related constructs in the research model.

The purpose of this study is to investigate customers’ attitudes and intentions toward internet banking in an underdeveloped banking sector.

The study was carried out in the Democratic Republic of the Congo. A sample of 215 respondents comprised of 112 non-users and 103 users of internet banking was selected in the city of Bukavu following a convenience sampling method and structural equation modeling was applied to test the research hypotheses.

The results show that for users of internet banking their attitudes are determined by their perceived usefulness while for non-users they are determined by their perceived usefulness and internet trust. For users of internet banking, their intentions to continue using internet banking are determined by attitudes and perceived usefulness; while for internet banking non-users, their intention to use internet banking is determined by their attitudes, their perceived web security and perceived usefulness.

Few research on internet banking have been done in central and sub-Saharan Africa. The present study gives new insights to assist financial institutions and researchers in understanding intentions and attitudes toward internet banking in an underdeveloped financial sector.

The purpose of this paper is to identify the antecedent factors – perceived usefulness (PU), perceived switching cost (PSC) and perceived web security (PWS) – affecting learners’ attitude toward online lecture website (ATW), which, in turn, affects electronic word of mouth (eWOM) and finds the factor that online lecture business should focus on the most to make learners have positive attitude.

This paper investigates the functional relationship among those five constructs; and examines the moderating role of personal interactivity. Data were collected from learners who had taken online lectures and were using social network sites, and a research model was analyzed using structural equation modeling.

The results show that PU and PSC positively influence ATW but PWS has no significant influence on ATW; PU is the most influential factor to ATW; ATW positively influences eWOM; personal interactivity has a moderating effect on some paths; and path coefficients are higher in the high-interactivity group than the low-interactivity group for all the links except the link from PU to ATW.

This paper contributes to online lecture business by understanding learners’ perception and behavior to the websites. Unlike many previous studies, this study designates eWOM as dependent variable and personal interactivity as moderation variable. This study shows interesting results occurred between low- and high-interactivity groups.

To empirically investigate whether consumers who have adopted online grocery buying perceive this way of shopping differently from other online consumers.

The data presented in this study were collected from an online (web‐based) survey of US consumers using self‐administered questionnaires. Data from 784 US online consumers are analyzed.

Multiple discriminant results suggest that online grocery shopping adopters attach higher compatibility, higher relative advantage, more positive social norms, and lower complexity to internet grocery shopping both compared with consumers who have never bought anything on the internet yet and also compared with consumers who have purchased goods/services on the internet but not groceries. The results also suggest that online grocery shopping adopters have higher household incomes than non‐adopters.

This research used a single respondent as a household representative. Since grocery buying concerns the entire household, this procedure assumes that the selected respondent provides answers which are representative of the household's opinion.

Provides practical advice to online retail managers on how to attract different consumer online grocery segments.

This paper investigates both experienced and inexperienced online grocery consumers. Thereby the paper adds to the understanding on how different groups of online consumers perceive characteristics of the online grocery channel.

Mobile commerce is a broad term used for mobile banking, mobile ticketing, mobile coupons, purchasing of goods and services using mobile phones. Considering mobile penetration and changing lifestyles of the Indian population, it has huge potential. The purpose of this paper is to investigate the factors influencing the adoption intention of mobile commerce.

For the study, a research model was developed based on constructs from the technology acceptance model and innovation resistance theory and a literature review on research related to usage intention of similar technologies which was then empirically tested using second generation statistical technique of SEM.

Perceived usefulness, perceived ease of use and social influence are found to be significant dimensions of technology adoption readiness to use mobile commerce while facilitating conditions were not found to be significant. The results also indicate perceived credibility risk defined by security risk and privacy risk is significantly associated with behavioural intention in negative relation, which indicates that security and privacy concerns are important in deterring customers from using mobile commerce.

This study proposed and validated a new construct – technology adoption readiness. The study developed an integrated model for behavioural intention towards financial innovations.

Knowing the factors affecting customers' behaviour towards mobile commerce and the relationship between these factors, various banks, merchants and mobile service providers can develop their marketing strategies to ensure that people use this new service. This in turn will influence the behavioural intention and change these intentions to actual adoption of this new technology.

This study is one of the few empirical studies which have investigated the adoption of mobile commerce in India, which is considered one of the fastest growing countries in terms of mobile usage. The study relates to inclusion of both utilitarian and credibility aspect of adoption intention. It gives an empirical basis on which mobile and banking companies can base their mobile payments marketing strategy.