Evaluating E-Commerce Engagement Factors In Saudi Arabia: Financial Loss, Identity Theft And Privacy Policies

Purpose: The purpose of this study is to investigate the influence of financial loss, identity theft, and privacy protection policies on the willingness of tourists in Saudi Arabia to engage in e-commerce.   Theoretical framework: This study examines Saudi Arabian visitors' use of e-commerce, highlighting the consequences of financial loss, identity theft, and privacy laws. The study employs Smart PLS and structured questionnaires, underpinned by a theoretical framework of trust and security, to uncover heightened fears over online identity theft. Policies protecting privacy become essential, boosting customer confidence and promoting e-commerce. The study adds to the scant amount of information in this field by emphasising the role that regulations play in maintaining transaction security and promoting user confidence.   Design/Methodology/Approach: This study used a quantitative research methodology to examine the relationship between financial loss, identity theft, privacy protection policies, and the willingness to engage in e-commerce in Saudi Arabia. Structured questionnaires were used to gather data, and Smart PLS was used to analyse the results using Structural Equation Modelling (SEM).   Findings: The study reveals that Saudi Arabian tourists express more concern about online identity theft than financial loss. Privacy protection policies play a pivotal role in enhancing their trust and participation in e-commerce, underscoring the importance of regulatory measures for ensuring user confidence and online transaction security.   Research, Practical & Social implications: This study highlights the unique worries that Saudi Arabian internet customers have, prioritising identity theft over money loss. Policies protecting privacy become an important middleman that is essential to fostering trust and promoting e-commerce. The findings encourage more investigation into the fundamental elements influencing user choices in study. Practically speaking, companies may improve tactics by giving strong privacy safeguards top priority. In order to promote a safe and reliable e-commerce environment that benefits customers and the expansion of Saudi Arabia's online market, it is socially vital to advocate for explicit privacy legislation.   Originality/value: This study is a pioneering attempt to investigate Saudi Arabian tourists' e-commerce behaviour. It adds to the scarce body of knowledge in this area by illuminating the importance of privacy protection policies in fostering consumer trust.