Perceived Risk, Structural Assurance and Trust in Mobile Payments

Q2 Social Sciences

Australian Journal of Telecommunications and the Digital Economy Pub Date : 2022-12-28 DOI:10.18080/jtde.v10n4.619

Afef Sahli Sassi, Hanéne Hammami, Hajer Ben Lallouna Hafsia

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引用次数: 0

Abstract

Mobile technologies have emerged as a new business phenomenon as a result of the increasing popularity of mobile devices and the proliferation of mobile technologies. A number of marketing research studies have focused on the identification of the background and consequences of mobile commerce, thus enabling m-commerce service providers to design appropriate marketing strategies. This paper’s major contributions are the importance of trust in adopting mobile payments under the influence of perceived risk and structural assurance, as well as the identification of business-related factors that affect mobile trust. A quantitative study was carried out, with 175 valid auto-administered questionnaires collected and analysed using structural equations modelling. The analysis results indicate the positive effect of perceived risk and structural assurance in mobile trust on mobile payment adoption intention. It is important to raise managers’ awareness of preserving the security of services in order to develop mobile trust. Also, to reduce the perceived risk associated with mobile financial transactions, managers need to provide basic insurance for customers in order to defend their transactions in the event of fraud or a particular problem.

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感知风险，结构保证和信任在移动支付

随着移动设备的日益普及和移动技术的扩散，移动技术已经成为一种新的商业现象。许多营销研究都集中在识别移动商务的背景和后果，从而使移动商务服务提供商能够设计适当的营销策略。本文的主要贡献是在感知风险和结构保证的影响下，信任对采用移动支付的重要性，以及识别影响移动信任的业务相关因素。我们进行了定量研究，收集了175份有效的自动管理问卷，并使用结构方程模型进行了分析。分析结果表明，移动信任的感知风险和结构保障对移动支付采用意愿有正向影响。为了发展移动信任，提高管理人员保护服务安全的意识是很重要的。此外，为了减少与移动金融交易相关的感知风险，管理人员需要为客户提供基本保险，以便在发生欺诈或特定问题时保护他们的交易。

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

Australian Journal of Telecommunications and the Digital Economy Social Sciences-Communication

CiteScore

1.60

自引率

0.00%

发文量

期刊介绍： The Journal of Telecommunications and the Digital Economy (JTDE) is an international, open-access, high quality, peer reviewed journal, indexed by Scopus and Google Scholar, covering innovative research and practice in Telecommunications, Digital Economy and Applications. The mission of JTDE is to further through publication the objective of advancing learning, knowledge and research worldwide. The JTDE publishes peer reviewed papers that may take the following form: *Research Paper - a paper making an original contribution to engineering knowledge. *Special Interest Paper – a report on significant aspects of a major or notable project. *Review Paper for specialists – an overview of a relevant area intended for specialists in the field covered. *Review Paper for non-specialists – an overview of a relevant area suitable for a reader with an electrical/electronics background. *Public Policy Discussion - a paper that identifies or discusses public policy and includes investigation of legislation, regulation and what is happening around the world including best practice *Tutorial Paper – a paper that explains an important subject or clarifies the approach to an area of design or investigation. *Technical Note – a technical note or letter to the Editors that is not sufficiently developed or extensive in scope to constitute a full paper. *Industry Case Study - a paper that provides details of industry practices utilising a case study to provide an understanding of what is occurring and how the outcomes have been achieved. *Discussion – a contribution to discuss a published paper to which the original author''s response will be sought. Historical - a paper covering a historical topic related to telecommunications or the digital economy.