“Price Tag” of Risk of Using E-Payment Service

IF 4.1 Q2 BUSINESS

Journal of Internet Commerce Pub Date : 2020-03-20 DOI:10.1080/15332861.2020.1742482

Kevin K. W. Ho, E. See-To, Dickson K. W. Chiu

引用次数: 10

Abstract

Abstract In this research, the authors utilized a survey to evaluate the notional values of the overall risk, the privacy risk, and the financial risk of using a credit card and an RFID-based E-payment service from risk-neutral and risk-averse users. With the known extra financial risk (in terms of monetary value) to be faced by the users in using two different versions of an RFID-based E-payment service, the authors determined the notional monetary value of the extra privacy risk posed by providing personal and financial information to the E-payment service and the differences in the risk aversion of the two groups of users. The findings may help E-payment service developers design better E-payment services based on a better understanding of the value of personal data in their users’ perspectives and, thus, help determine the appropriate incentives for attracting users to use their services.

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使用电子支付服务风险的“价签”

在本研究中，作者利用一项调查来评估风险中性和风险厌恶型用户使用信用卡和基于rfid的电子支付服务的总体风险、隐私风险和财务风险的名义价值。在已知用户在使用两种不同版本的rfid电子支付服务时所面临的额外财务风险(以货币价值计算)的情况下，作者确定了向电子支付服务提供个人和财务信息所带来的额外隐私风险的名义货币价值，以及两组用户在风险规避方面的差异。研究结果可能有助于电子支付服务开发商在更好地理解用户个人数据价值的基础上设计更好的电子支付服务，从而有助于确定吸引用户使用其服务的适当激励措施。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Internet Commerce BUSINESS-

CiteScore

10.50

自引率

7.00%

发文量

期刊介绍： The business world has undergone many changes because of information technology, and the impact of the Internet may cause one of the biggest yet. While many people use the Internet for educational and entertainment purposes, organizations and companies are looking for ways to tie their internal networks to this global network to conduct electronic commerce. While companies have been conducting business electronically with suppliers and customers for many years, conducting online commerce via the Internet offers even greater opportunities for multinational, national, and even small businesses to cut costs, improve efficiency, and reach a global market.