Empirical Study on Consumer Perceived On-line Payment Risk
This paper takes the potential release of online transaction market size as the starting point of research, and discusses how Chinese consumer perceived risks influence online payment willingness.This study divides consumer perceived risks of online payment into eight dimensions: Economic risk, Functional risk, Private risk, Security risk, Time risk, Service risk, Psychological risk and Social risk.Furthermore, it explores the influence of multi-dimensional perceived risks on the willingness of consumers online payment on the basis of 616 samples from Shanghai.The empirical results show that there is a significant negative correlation between perceived economic risks and the willingness to pay online;perceived security risks and some other risks have significant positive effect on payment willingness, which shows that certain perceived risks are becoming systemic risks in accordance with the principle of finance.So, the paper imply that both Private and Government third payment platforms shall take certain measures to reduce consumers specific perceived risk for promoting the development of online transaction market in China.
Online-payment Consumer Perceived Risks Perceived Economic Risk Intention of Online Payment
Qing YANG Xinhua QIAN Chuan PANG Baoxu AN
Institute for Financial Studies, School of Economics, Fudan University,Shanghai 200433, China School of Management and Administration, Macao University of Science and Technology, Macao XJ electric Co.LTD, Xuchang, Henan Province, 461000, China
国际会议
The Thirteenth Wuhan International Conference on E-Business(第十三届武汉电子商务国际会议)(WHICEB2014)
武汉
英文
410-420
2014-05-31（万方平台首次上网日期，不代表论文的发表时间）