Assesing the role of risk and trust in consumers’ adoption of online payment systems

Referencias bibliográficas

• Akhlaq, A.; Ahmed, E. (2013). The effect of motivation on trust in the acceptance of Internet banking in a low income country. International Journal of Bank Marketing, 31(2), 115-125.
• Akman, I.; Turhan, C. (2017). User acceptance of social learning systems in higher education: an application of the extended Technology Acceptance Model. Innovations in Education and Teaching International, 54(3), 229-237.
• Anderson, E.; Gerbing, D. W. (1988). Structural equation modelling in practice: A review and recommended two-step approach. Psychological Bulletin, 103, 411-423.
• Azam, A.; Qiang, F.; Abbas, S. A.; Ibrahim Abdullah, M. (2013). Structural equation modeling (SEM) based trust analysis of Muslim consumers in the collective religion affiliation model in e-commerce. Journal of Islamic Marketing, 4(2), 134-149.
• Ba, S.; Pavlou, P. (2002). Evidence of the effect of trust building technology in electronic markets: Price premiums and buyer behavior. MIS Quarterly, 26(3), 243-268.
• Bagozzi, R. P.; Yi, Y. (1988). On the evaluation of structural equation models. Journal of the Academy of Marketing Science, 16(1), 74-94.
• Bahmanziari, T.; Odom, D. M.; Ugrin, J. C. (2009). An experimental evaluation of the effects of internal and external e-Assurance on initial trust formation inB2C e-commerce. International Journal of Accounting Information Systems, 10(3), 152-170.
• Bailey, A.; Pentina, I.; Mishra, A. S.; Ben Mimoun, M. S. (2017). Mobile payments adoption by US consumers: an extended TAM. International Journal of Retail & Distribution Management, 45(6).
• Bandura, A. (1982). Self-Efficacy mechanism in Human Agency. American Psychologist, 37, 122-147.
• Bauer, R. A. (1964). Consumer behavior as risk taking. Dynamic Marketing for a Changing World, American Marketing Association Proceedings, 389-398.
• Bélanger, F.; Carter, L. (2008). Trust and risk in e-government adoption. Journal of Strategic Information System, 17, 165-176.
• Berry, L.; Parasuraman, A. (1991). Marketing Services. The Free Press, New York.
• Blank, G.; Dutton, W.H. (2012). Age and trust in the Internet: The centrality of experience and attitudes toward technology in Britain. Social Science Computer Review, 30(2), 135-151.
• Blut, M.; Chowdhry, N.; Mittal, V.; Brock, C. (2015). E-service quality: A meta-analytic review. Journal of Retailing, 91(4), 679-700.
• Casaló, L. V.; Flavián, C.; Guinalíu, M. (2012). Redes sociales virtuales desarrolladas por organizaciones empresariales: antecedentes de la intención de participación del consumidor. Cuadernos de Economía y Dirección de la Empresa, 15(1), 42-51.
• Castañeda, J. A. (2005). El comportamiento del usuario de Internet: Análisis de los antecedentes y consecuencias de la fidelidad. Universidad de Granada.
• Chaparro-Peláez, J.; Agudo-Peregrina, A. F.; Pascual-Miguel, F. J. (2016). Conjoint analysis of drivers and inhibitors of e-commerce adoption. Journal of Business Research, 69(4), 1277-1282.
• Chaudhuri, A.; Holbrook, M. B. (2001). The Chain of Effects from Brand Trust and Brand Affect to Brand Performance: The Role of Brand Loyalty. Journal of Marketing, 65(April), 81-93.
• Chemingui, H.; Ben lallouna, H. (2013). Resistance, motivations, trust and intention to use mobile financial services. International Journal of Bank Marketing, 31(7), 574-592.
• Chircu, A. M.; Davis, G. B.; Kauffman, R. J. (2000). The role of trust and experience in the adoption of electronic commerce intermediaries. In MISRC Work Paper. University of Minnesota.
• Corbitt, B. J.; Thanasankit, T.; Yi, H. (2003). Trust and e-commerce: A study of consumer perceptions. Electronic Commerce Research and Applications, 2, 203-215.
• Davis, F. D. (1989). Perceived usefulness, perceived ease of use and user acceptance of Information Technology. MIS Quarterly, 13, 319-340.
• Davis, F. D.; Bagozzi, R. P.; Warsaw, P. R. (1992). Extrinsic and Intrinsic Motivation to use Computers in The Workplace. Journal of Applied Social Psychology, 22, 1111-1132.
• Davis, F. D.; Bagozzi, R. P.; Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35, 982-1003.
• Del Barrio, S.; Luque, T. (2012). Análisis de ecuaciones estructurales. In T. Luque Martínez (Ed.), Técnicas de análisis de datos en investigación de mercados (2ª ed), (489-557). Madrid: Pirámide.
• Dinev, T.; Hart, P. (2006). An extended privacy calculus model for e-commerce transactions. Information Systems Research, 17(1), 61-80.
• Featherman, M.; Fuller, M. (2003). Applying TAM to e-services adoption: The moderating role of perceived risk. In 36ª Conferencia Internacional de Hawaii sobre Ciencias del Sistema (pp. 1-11).
• Featherman, M. S.; Pavlou, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human-Computer Studies, 59, 451-474.
• Fishbein, M.; Ajzen, I. (1975). Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research. Ed. Addison-Wesley, Reading, Massachussetts.
• Flavián, C.; Guinalíu, M. (2007). Un análisis de la influencia de la confianza y del riesgo percibido sobre la lealtad a un sitio web: el caso de la distribución de servicios gratuitos. Revista Europea de Dirección y Economía de la Empresa, 16, 159-178.
• Freitas, A.; Santos, J. F. (2017). Uso do UGC na reserva de hotéis em Portugal: uma aplicação ao Booking.com baseada no Technology Acceptance Model (TAM). European Journal of Applied Business and Management, 3(2).
• Gallego, M. D.; Bueno, S.; Terreño, J. F. (2016). Motivations and barriers to set up e-commerce in Spain: A Delphi study. Estudios Gerenciales, 32(140), 221-227.
• García, E. M. (2016). Los servicios de pago, su regulacion y desarrollo en la era digital (Análisis de paypal). Universidad CEU San Pablo.
• Gefen, D.; Straub, D. W. (2000). The relative importance of perceived ease of use in IS adoption: A study of e-commerce adoption. Journal of Association for Information Systems, 1, 1-28.
• Gefen, D.; Karahanna, E.; Straub, D. W. (2003). Inexperience and experience with online Stores: The importance of TAM and Trust. IEE Transactions on Engineering Management 50, 307-321.
• Glajchen, D. (2011). Comparative Analysis of Mobile Phone-Based Payment Services in the United States and South Africa. Scholl of Business and Technology Management. Prescott Valley, Arizona.
• Gómez, J. T.; Bello, L.; Cervantes, M. (2000). Del Marketing de Relaciones al Marketing Postmoderno. Revista Europea de Dirección y Economía de la Empresa, 9 (3), 113-124.
• Hair, J. F.; Hult, G. T. M.; Ringle, C. M.; Sarstedt, M. (2014). A primer on partial least squares structural equation modeling (PLS-SEM). Thousand Oaks, CA: Sage.
• Hair, J. F.; Ringle, C. M.; Sarstedt, M. (2011). PLS-SEM: Indeed a silver bullet. Journal of Marketing Theory and Practice, 19(2), 139-152.
• Islam, A.; Ahmad, T.; Khan, M.; Ali, M. (2010). Adoption of M-Commerce Services: The Case of Bangladesh. World Journal of Management, 2(1), 37-54.
• Jarvenpaa, S. L.; Tractinsky, N.; Vitale, M. (2000). Consumer trust in an Internet store. Information Technology and Management, 1, 45-71.
• Kim, D. J.; Ferrin, D. L.; Rao, H. R. (2008). A trust-based consumer decision making model in electronic commerce: The role of trust, perceived risk, and their antecedents. Decision Support Systems, 44, 544-564.
• Kim, D.; Benbasat, I. (2006). The effects of trust-assuring arguments on consumer trust in Internet store: Application of Toulmin’s model of argumentation. Information System Research, 17(3), 286-300.
• Kim, K.; Prabhakar, B. (2000). Initial trust, perceived risk, and the adoption of Internet banking. Proceedings of ICIS, Brisbane, Australia.
• Kim, Y.; Peterson, R. A. (2017). A Meta-analysis of Online Trust Relationships in E-commerce. Journal of Interactive Marketing, 38, 44-54.
• King, W. R.; He, J. (2006). Understanding the role and methods of meta-analysis in IS research. Communications of the AIS, 43, 740-755.
• Lee, H.; Lee, Y.; Kwon, D. (2005). The intention to use computerized reservation sys- tems: the moderating effects of organizational support and supplier incentive. Journal of Business Research, 58, 1552-1561.
• Lévy-Mangin, J. P.; Varela-Mallou, J. (2003). Análisis multivariable para las Ciencias Sociales. Madrid: Pearson Educación.
• Li, X.; Hess, T. J.; Valacich, J. S. (2008). Why do we trust new technology? Initial trust formation with organization information systems. Journal of Strategic Information Systems, 17, 39-71.
• Lian, J. W.; Yen, D. C. (2014). Online shopping drivers and barriers for older adults: Age and gender differences. Computers in Human Behavior, 37, 133-143.
• Liébana-Cabanillas, F.; Muñoz-Leiva, F.; Sánchez-Fernández, J. (2017). A global approach to the analysis of user behavior in mobile payment systems in the new electronic environment. Service Business.
• Lorenzo-Romero, C.; Gómez-Borja, M. Á.; Alarcón-del-Amo, M. C. (2011). Redes sociales virtuales, ¿de qué depende su uso en España?. INNOVAR, 21(41), 145-157.
• Malhotra, N. K.; Kim, S. S.; Agarwal, J. (2004). Internet users’ information privacy concerns (IUIPC): The construct, the scale, and a causal model. Information Systems Research, 15(4), 336-355.
• Mallat, N.; Rossi, M.; Tuunainen, V. K.; Öörni, A. (2009). The impact of use context on mobile services acceptance: the case of mobile ticketing. Information & Management, 46(3), 190-195.
• Mayer, R. C.; Davis, J. H.; Schoorman, F. D. (1995). An integrative model of organizational trust. Academy of Management Review, 20, 709-734.
• McCloskey, D. (2004). Evaluating electronic commerce acceptance with the technology acceptance model. Journal of Computer Information Systems, 44(2), 49-57.
• McKnight, D. H.; Chervany, N. (2002). What trust means in e-commerce customer relationships: An interdisciplinary conceptual typology. International Journal of Electronic Commerce, 6(2), 35-59.
• Metzger, M. J. (2006). Effects of site, vendor, and consumer characteristics on Web site trust and disclosure. Communication Research, 33, 155-179.
• Miranda, F. J.; Rubio, S.; Chamorro, A.; Correia, S. (2014). Determinantes de la intención de uso de Facebook en el proceso decisión de compra. Investigaciones Europeas de Dirección y Economía de la Empresa, 21, 26-34.
• Moon, J.; Kim, Y. (2001). Extending the TAM for a World-Wide-Web context. Information and Management, 38, 217-230.
• Moorman, C.; Deshpande, R.; Zaltman, G. (1993). Factors Affecting Trust in Market Research Relationships. Journal of Marketing, 57(January), 81-101.
• Moraga, E. T.; Blanco, C. F. (2007). Construcción de la confianza del consumidor hacia la banca en Internet: Un análisis de los factores de la imagen corporativa. Estudios de Administración, 14(1), 23-45.
• Muñoz, F. (2008). La adopción de una innovación basada en la Web. Análisis y modelización de los mecanismos generadores de confianza. Universidad de Granada.
• Muñoz-Leiva, F.; Climent-Climent, S.; Liébana-Cabanillas, F. (2017). Determinants of intention to use the mobile banking apps: An extension of the classic TAM model. Spanish Journal of Marketing-ESIC, 21(1), 25-38.
• Muñoz-Leiva, F.; Hernández-Méndez, J.; Sánchez-Fernández, J. (2012). Generalising user behaviour in online travel sites through the Travel 2.0 website acceptance model. Online Information Review, 36(6), 879-902.
• Observatorio Cetelem. (2016). El comercio electrónico en España. (http://elobservatoriocetelem.es/2016/12/observatorio-cetelem-e-commerce-2016/)
• Observatorio e-Commerce y transformación Digital. (2017). Informe de Evolución y Perspectivas eCommerce 2017. (http://observatorioecommerce.com/informes/)
• Observatorio Nacional de las Telecomunicaciones y de la SI (ONTSI) (2016). Estudio sobre comercio electrónico B2C 2015 (Edición 2016). (https://www.ontsi.red.es/ontsi/es/estudios-informes)
• Oliveira, T.; Alhinho, M.; Rita, P.; Dhillon, G. (2017). Modelling and testing consumer trust dimensions in e-commerce. Computers in Human Behavior, 71, 153-164.
• Orantes, S. D. (2011). Viabilidad del “Modelo de Aceptación de la Tecnología” en las empresas mexicanas. Una aproximación a las actitudes y percepciones de los usuarios de las tecnologías de la información. Revista Digital Universitaria, 12(1). (http://www.ru.tic.unam.mx:8080/tic/handle/123456789/1847)
• Pavlou, P. A.; Gefen, D. (2004). Building effective online marketplaces with institution-based trust. Information Systems Research, 15(1), 37-59.
• Pavlou, P. A.; Fygenson, M. (2006). Understanding and predicting electronic commerce adoption: An extension of the Theory of Planned Behavior. MIS Quarterly, 30, 115-144.
• Pavlou, P. A. (2002a). A theory of Planned Behavior Perspective to the Consumer Adoption of Electronic Commerce. MIS Quarterly.
• Pavlou, P. A. (2002b). What drives electronic commerce? A Theory of Planned Behavior perspective. In Academy of Management Proceeding (pp. 1-6).
• Pavlou, P. A. (2003). Consumer acceptance of electronic commerce: Integrating trust and risk with the Technology Acceptance Model. International Journal of Electronic Commerce, 7, 69-103.
• Pennington, R.; Wilcox, H. D.; Grover, V. (2003). The role of system trust in business-to-consumer transactions. Journal of Management Information Systems, 20(3), 197-226.
• Pham, T. T. T.; Ho, J. C. (2015). The effects of product-related, personal-related factors and attractiveness of alternatives on consumer adoption of NFC-based mobile payments. Technology in Society, 43, 159-172.
• Phang, C. W.; Sutanto, J.; Kankanhalli, A.; Li, Y.; Tan, B. C.; Teo, H. H. (2006). Senior citizens' acceptance of information systems: A study in the context of e-government services. IEEE Transactions on Engineering Management, 53(4), 555-569.
• Ramos de Luna, I.; Montoro-Ríos, F.; Liébana-Cabanillas, F. J. (2018). New Perspectives on Payment Systems: Near Field Communication (NFC) Payments Through Mobile Phones. In Mobile Commerce: Concepts, Methodologies, Tools, and Applications (pp. 1487-1507). IGI Global.
• Rodríguez, I. A.; Herrero, Á. (2008). Antecedentes de la utilidad percibida en la adopción del comercio electrónico entre particulares y empresas. Cuadernos de Economía y Dirección de la Empresa, 34, 107-134.
• Rodríguez, M. (2015). Nuevos Métodos de Pago Online, seguridad y confiabilidad. Universidad de Cantabria.
• Rodríquez, N.; Liñares, S.; De la Llana, M. (2009). The Main Determinants of Web 2.0 Acceptance: The Case of Youtube. In 8th International Marketing Trends Congress.
• Romero, C. L.; de Amo, M. D. C. A.; Borja, M. Á. G. (2011). Adopción de redes sociales virtuales: ampliación del modelo de aceptación tecnológica integrando confianza y riesgo percibido. Cuadernos de Economía y Dirección de la Empresa, 14(3), 194-205.
• Rouibah, K.; Lowry, P. B.; Hwang, Y. (2016). The effects of perceived enjoyment and perceived risks on trust formation and intentions to use online payment systems: New perspectives from an Arab country. Electronic Commerce Research and Applications, 19, 33-43.
• Ruiz Mafé, C.; Tronch García de los Ríos, J. E. (2007). Factores determinantes de la decisión de compra en Internet: un análisis de la formación a distancia. Estudios sobre Consumo, (80), 49-60.
• Shih, H. P. (2004). Extended Technology Acceptance Model of Internet utilization behavior. Information & Management, 41, 719-729.
• Shin, D. H. (2008a). Applying the technology acceptance model and flow theory to Cyworld user behavior. Cyber Psychology and Behavior, 11, 12-20.
• Shin, D. H. (2008b). Understanding purchasing behaviors in a virtual economy: Consumer behavior involving virtual currency in Web 2.0 communities. Interacting with Computers, 20, 433-446.
• Shuen, A. (2008). Web 2.0: A Strategy Guide: Business thinking and strategies behind successful Web 2.0 implementations. O'Reilly Media, Inc.
• Sorkin, D. E. (2001). Payment methods for consumer-to-consumer online transactions. Akron L. Rev., 35, 1.
• Sumanjeet, S. (2009). Emergence of payment systems in the age of electronic commerce: the state of art. Asia Pacific Journal of Finance and Banking Research, 3(3), 19-20.
• Tavera J. F.; Sánchez, J. C.; Ballesteros, B. (2011). Aceptación del E-Commerce en Colombia.
• Tavera, J. F.; Londoño, B. E. (2014). Factores Determinantes de la Aceptación Tecnológica del E-Commerce en Países Emergentes. Revista Ciencias Estratégicas, 22(31), 101-119.
• Trocchia, P. J.; Janda, S. (2000). A phenomenological investigation of Internet usage among older individuals. Journal of consumer marketing, 17(7), 605-616.
• Venkatesh, V.; Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204.
• Venkatesh, V.; Brown, S. A.; Maruping, L. M.; Bala, H. (2008). Predicting different conceptualization of system use: The competing roles of behavioral intention, facilitating conditions, and behavior expectation. MIS Quarterly, 32(3), 483-502.
• Venkatesh, V.; Morris, M. G.; Davis, G. B.; Davis, F. D. (2003). User acceptance of information technology: Towards a unified view. MIS Quarterly, 27(3), 425-478.
• Willis, T. (2008). An Evaluation of the Technology Acceptance Model as a Means of Understanding Online Social Networking Behavior.
• Yang, Q.; Pang, C.; Liu, L.; Yen, D. C.; Tarn, J. M. (2015). Exploring consumer perceived risk and trust for online payments: An empirical study in China’s younger generation. Computers in Human Behavior, 50, 9-24.
• Yazdanifard, R.; Sayed, M.; Elkhabir, A. (2011). Mobile Commerce and Related Mobile Security Issues. International Conference on Software and Computer Applications IPCSIT, 9, 198-201.
• Yoon, H. S.; Occeña, L. G. (2015). Influencing factors of trust in consumer-to-consumer electronic commerce with gender and age. International Journal of Information Management, 35(3), 352-363.
• Yousafzai, S.; Pallister, J.; Foxall, G. (2003). A proposed model of e-trust for electronic banking. Technovation, 23(11), 847-860.
• Yu, J.; Ha, I.; Choi, M.; Rho, J. (2005). Extending the TAM for a t-commerce. Information & Management, 42, 965-976.
• Zhou, T.; Lu, Y. (2011). The Effects of Personality Traits on User Acceptance of Mobile Commerce. International Journal of Human-Computer Interaction, 27(6), 545-561.