Consumer Perceived Risk and Trust for Online Payments in China*
Perceived risk and trust are the most important factors influencing consumer behavior in the context of online payment in e-commerce. This paper aims to extend research into consumers online payment behavior by looking into the elements of trust and facets of perceived risk in China. A conceptual model introducing new constructs like comparison and evaluation is proposed based on the framework of TRA, TPB, TAM and DTPB. The research methodology improves previous efforts by first studying perceived risk of 8 facets at amore granular level and then further refines the nomological fit of perceived risk within the research model framework. The results show that privacy risk is negatively related to trust, while service risk and psychological risk respectively has a positive effect on comparison and intention; perceived usefulness and ease of use still play important yet different roles with cousumers mastering online payment experice in the later stage of e-commerce.
online payment perceived risk trust
Qing Yang Chuan Pang Liu Liu David C．Yen
Institute for Financial Studies, Fudan University, Shanghai, P.R.China Faculty of Management and ddministration, Macao University of Science and Technology Macao, P.R.Chin School of Economics, Fudan University, Shanghai, P.R.China Department of Decision Sciences and MIS, RTF School of Business Miami University, Oxford, Ohio 45056
国际会议
第八届武汉电子商务国际会议(The Eighth Wuhan International Conference on E-Business)
武汉
英文
345-354
2009-05-30（万方平台首次上网日期，不代表论文的发表时间）