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1.
Mobile information services have revolutionized business models and service delivery methods by facilitating consumer access to information and order placement via mobile apps. In developed markets, mobile banking (m-banking) and mobile payment (m-payment) applications have replaced text-based mobile services. However, extant research has not addressed these mobile financial services apps (MFSAs) adequately from the perspective of consumer behavior. Thus, the present study developed and tested a series of hypotheses related to the antecedents of perceived value of MFSA use; it also examined how such use affects the development of customers’ overall relationships with banks. Our hypotheses were tested using two samples (N = 992; N = 524) comprising different types of MFSA end-users in one of the leading countries in digital banking, Finland. The results supported most of the hypotheses and revealed that self-congruence and new product novelty are the principal drivers of perceived MFSA value. In addition, the findings show that the perceived value of MFSAs yields strong positive effects on customers’ overall satisfaction and commitment to their bank. The present study’s key managerial implication is that banks’ investments in developing MFSAs result in improved relationships with customers and increased business. 相似文献
2.
《International Journal of Information Management》2017,37(6):673-683
With the rapid development of information technology, customers not only shop online—they also post reviews on social media. This user-generated content (UGC) can be useful to understand customers’ shopping experiences and influence future customers’ purchase intentions. Therefore, business intelligence and analytics are increasingly being advocated as a way to analyze customers’ UGC in social media and support firms’ marketing activities. However, because of its open structure, UGC such as customer reviews can be difficult to analyze, and firms find it challenging to harness UGC. To fill this gap, this study aims to examine customer satisfaction and dissatisfaction toward attributes of hotel products and services based on online customer textual reviews. Using a text mining approach, latent semantic analysis (LSA), we identify the key attributes driving customer satisfaction and dissatisfaction toward hotel products and service attributes. Additionally, using a regression approach, we examine the effects of travel purposes, hotel types, star level, and editor recommendations on customers’ perceptions of attributes of hotel products and services. This study bridges customer online textual reviews with customers’ perceptions to help business managers better understand customers’ needs through UGC. 相似文献
3.
承诺感知的相互性影响在KIBS企业与组织顾客间的合作创新过程中具有非常重要的作用。依据相互性理论,基于245个KIBS企业合作创新项目的调研数据,运用实证分析方法,从承诺感知视角嵌入,探讨了KIBS企业承诺感知与组织顾客承诺感知之间的相互性影响,并深入剖析了KIBS企业专用性投资的中介作用和KIBS企业人际信任的调节作用。结果表明：（1）合作创新中企业间的承诺感知存在显著的相互性影响;（2）KIBS企业专用性投资在其承诺感知对组织顾客承诺感知正向影响作用过程中起到完全中介作用,在其承诺感知与人际信任交互效应对组织顾客承诺感知正向影响作用过程中起到部分中介作用;（3）KIBS企业人际信任在KIBS企业承诺感知对其专用性投资的影响过程中起到正向调节作用;（4）KIBS企业人际信任在组织顾客承诺感知对KIBS企业承诺感知的影响过程中起到负向调节作用。 相似文献
4.
The implementation of digital contact tracing applications around the world to help reduce the spread of the COVID-19 pandemic represents one of the most ambitious uses of massive-scale citizen data ever attempted. There is major divergence among nations, however, between a “privacy-first” approach which protects citizens’ data at the cost of extremely limited access for public health authorities and researchers, and a “data-first” approach which stores large amounts of data which, while of immeasurable value to epidemiologists and other researchers, may significantly intrude upon citizens’ privacy. The lack of a consensus on privacy protection in the contact tracing process creates risks of non-compliance or deliberate obfuscation from citizens who fear revealing private aspects of their lives – a factor greatly exacerbated by recent major scandals over online privacy and the illicit use of citizens’ digital information, which have heightened public consciousness of these issues and created significant new challenges for any collection of large-scale public data. While digital contact tracing for COVID-19 remains in its infancy, the lack of consensus around best practices for its implementation and for reassuring citizens of the protection of their privacy may already have impeded its capacity to contribute to the pandemic response. 相似文献
5.
Recent privacy-related incidents of mobile services have shown that app stores and providers face the challenge of mobile users’ information privacy concerns, which can prevent users from installing mobile apps or induce them to uninstall an app. In this paper, we investigate the role of app permission requests and compare the impact on privacy concerns with other antecedents of information privacy concerns, i.e., prior privacy experience, computer anxiety, and perceived control. To test these effects empirically, we conducted an online survey with 775 participants. Results of our structural equation modeling show that prior privacy experience, computer anxiety, and perceived control have significant effects on privacy concerns. However, concerns for app permission requests have approximately twice as much predictive value than the other factors put together to explain mobile users’ overall information privacy concerns. We expect that our findings can provide a theoretical contribution for future mobile privacy research as well as practical implications for app stores and providers. 相似文献
6.
随着我国互联网的高速发展,数据挖掘技术尤其是Web挖掘作为企业搜寻商业信息为客户提供个性化服务的重要手段,不可避免地触到隐私保护这块"雷区"。隐私权保护在网络环境下既是法律界同时也是电子商务研究的热点话题。隐私保护限制了web挖掘数据中数据的搜集及知识的共享和传播,如何在web挖掘和隐私保护之间进行权衡是文章研究的出发点。结合我国网络隐私权保护的现状,通过对隐私权的内容及可能造成侵权形式的研究,探讨了隐私保护面临的挑战,提出了隐私权保护的解决方案框架。 相似文献
7.
顾客担心个人隐私信息得不到有效保护是其不愿意使用网络银行的主要原因之一。研究表明,在网站上张贴隐私协议和隐私印章,能提高顾客对网络商家的信任和使用意愿。为此,本文以网络银行为研究背景,以理性行为理论为基础,探究隐私协议、隐私印章对我国网络银行顾客信任及其使用意向的影响作用,并应用结构方程方法进行实证研究。通过对198个有效调查样本的研究结果表明:隐私协议、隐私印章两者既会直接正向影响顾客对网络银行的信任和使用意向,又会通过信任这一中介变量,对顾客的使用意向产生间接正向影响。 相似文献
8.
Employees’ non-compliance with organizational information security policy (ISP) when using informational resources has become the main reason for continuous security incidents. Drawing upon technology threat avoidance theory (TTAT) and social exchange theory (SET), our study investigates the influence of supervisor-subordinate guanxi (SSG) and organizational commitment in the information security management. Our hypotheses were tested using survey data from 235 Chinese government employees. Results not only confirm the direct effect of SSG on government employees’ ISP compliance but also suggest that SSG indirectly influences compliance behavior via the mediation of organizational commitment. Organizational commitment weakens the negative influence of perceived costs on compliance behavior and also weakens the positive effect of self-efficacy on employees’ ISP compliance. For low-commitment employees, the negative influence of perceived costs on compliance behavior is more significant than that of those with strong organizational commitment, and self-efficacy exerts a stronger effect on ISP compliance for low-commitment employees than it does for high-commitment employees. This study contributes to current literature on information systems (IS) by confirming the critical roles of SSG and organizational commitment in motivating employees’ compliance behavior. 相似文献
9.
旅游网站顾客信任感影响因素的实证研究 总被引：1，自引：0，他引：1
本文讨论影响旅游电子商务网站顾客信任感的主要因素。在文献研究和访谈调查的基础上,笔者进行了问卷调查。通过对所得的有效数据进行因子分析和多元回归分析,结果表明：（1）顾客对旅游电子商务网站的信任感主要受到网站的服务质量（其中包括网站设计、服务可靠性、隐私和安全、客户服务）、顾客对网站的熟悉程度、网站的声誉等6个因子的影响。（2）这6个因子对顾客网上信任感的影响程度从大到小依次为：网站的声誉、隐私和安全、熟悉程度、服务可靠性、客户服务、网站设计。 相似文献
10.
本文通过问卷调查数据,检验了顾客满意度对口碑推荐进而对新客户购买决策的影响,模型中同时考虑了产品涉入度和情感承诺的调节作用以及顾客交流特征(口碑传播者的专业性、关系强度、感知风险)对新客户购买决策的影响。结果表明:顾客满意度对口碑推荐有显著的正向影响;口碑推荐对新客户购买决策有显著的正向影响;产品涉入度在顾客满意度和口碑推荐的关系中起着显著的正向调节作用,但情感承诺的调节作用不明显;口碑传播者的专业性以及关系强度对新客户购买决策有显著的正向影响,感知风险的影响不显著。同时本文通过计算口碑推荐数量和口碑转换概率从而预测出基于口碑推荐方式获取新顾客数量。 相似文献
11.
Advances in information and communication technologies (ICT) have led to the revolution in retail industry through integrating multiple available channels to enhance seamless customer experience, promoting a shift from multichannel to omnichannel business. This phenomenon has gained increasing attention in both academia and industry due to growing challenges to serve customers effectively. This study adopted a mixed-method approach to firstly conceptualize omnichannel customer experience and develop a survey instrument. Then, this study draws on the innovation diffusion theory to develop a nomological model that posits perceived compatibility and perceived risk as key linking mechanisms between omnichannel experience and omnichannel shopping intention. To achieve our research objective, we collected two data sets including pretest (n = 141) and model test (n = 377). We found that the constructs that represented our omnichannel experience conceptualization were good predictors of perceived compatibility and perceived risk, which further impact customers’ shopping intention. This study provides a rich conceptualization of an instrument for omnichannel customer experience that can serve as a springboard for future research to investigate the antecedents and impacts of omnichannel experience and can be used as a guide to design effective omnichannel retailing strategy. 相似文献
12.
Video conferencing (VC) applications (apps) have surged in popularity as an alternative to face-to-face communications. Although VC apps offer myriad benefits, it has caught much media attention owing to concerns of privacy infringements. This study examines the key determinants of professionals’ attitude and intentions to use VC apps in the backdrop of this conflicting duality. A conceptual research model is proposed based on theoretical foundations of privacy calculus and extended with conceptualizations of mobile users’ information privacy concerns (MUIPC), trust, technicality, ubiquity, as well as theoretical underpinnings of social presence theory. Structural equation modeling is used to empirically test the model using data collected from 484 professionals. The study offers insights regarding the trade-offs that professionals are willing to make in the face of information privacy concerns associated with VC apps. Based on the findings, the study emphasizes the promotion of privacy protection at the organizational level, control mechanisms that motivate employees to actively engage in privacy protection behavior, and a multi-faceted approach for data transparency within the VC app platforms. 相似文献
13.
Thomas N. Gardner 《The Information Society》2013,29(2):129-130
While there is no question that the commercial development of the World Wide Web is still in its infancy and growing rapidly, this development faces a serious barrier to ultimate commercialization. In this article we develop the argument that the primary barrier to the successful commercial development of the Web is the current lack of consumer trust in this new commercial medium. This lack of trust is engendered primarily by the industry's documented failure to respond satisfactorily to mounting consumer concerns over information privacy in electronic, networked environments. We examine how such concerns are affecting the growth and development of consumer-oriented commercial activity on the World Wide Web and investigate the implications of these concerns for potential industry response. In the short run, the commercial development of the Web depends on giving consumers the opportunity to be anonymous when engaging in information exchanges and online transactions. Ultimately, however, commercial Web providers must come to realize that the Internet dramatically shifts the balance of power between a business and its customers, and therefore, radical new business strategies will be required for long-term success. Because the Web offers unprecedented opportunities for interacting with customers, strategies that take advantage of the medium's unique features are likely to reap important rewards in customer satisfaction, loyalty, and retention. Therefore, in the long run, the most effective way for commercial Web providers to develop profitable exchange relationships with online customers is to gain consumer trust by allowing the balance of power to shift toward more cooperative interactions between firms and their customers. 相似文献
14.
Information Privacy in the Marketspace: Implications for the Commercial Uses of Anonymity on the Web 总被引：2，自引：0，他引：2
While there is no question that the commercial development of the World Wide Web is still in its infancy and growing rapidly, this development faces a serious barrier to ultimate commercialization. In this article we develop the argument that the primary barrier to the successful commercial development of the Web is the current lack of consumer trust in this new commercial medium. This lack of trust is engendered primarily by the industry's documented failure to respond satisfactorily to mounting consumer concerns over information privacy in electronic, networked environments. We examine how such concerns are affecting the growth and development of consumer-oriented commercial activity on the World Wide Web and investigate the implications of these concerns for potential industry response. In the short run, the commercial development of the Web depends on giving consumers the opportunity to be anonymous when engaging in information exchanges and online transactions. Ultimately, however, commercial Web providers must come to realize that the Internet dramatically shifts the balance of power between a business and its customers, and therefore, radical new business strategies will be required for long-term success. Because the Web offers unprecedented opportunities for interacting with customers, strategies that take advantage of the medium's unique features are likely to reap important rewards in customer satisfaction, loyalty, and retention. Therefore, in the long run, the most effective way for commercial Web providers to develop profitable exchange relationships with online customers is to gain consumer trust by allowing the balance of power to shift toward more cooperative interactions between firms and their customers. 相似文献
15.
通过对中国银行产品消费者调查收集的数据来验证影响消费者对银行信息行为信任的因素。结果发现,消费者的信任信念和隐私声明信任会显著地影响其对银行信息行为的信任;而消费者的整体隐私关注越强,其对银行信息行为的信任越弱,但是消费者的整体隐私关注对其隐私声明信任的影响不显著,表明消费者的整体隐私关注直接影响消费者对银行信息行为的信任。 相似文献
16.
《Information processing & management》2022,59(1):102759
The growing business evolution and the latest Artificial Intelligence (AI) make the different business practices to be enhanced by the ability to create new means of collaboration. Such growing technology helps to deliver brand services and even some new kinds of corporate interactions with customers and staff. AI digitization simultaneously emphasized businesses to focus on the existing strategies and regularly and early pursue new market opportunities. While digital technology research in the framework of business innovation is gaining greater interest and the privacy of data can be maintained by Blockchain technology. Therefore in this paper, Business Innovation based on artificial intelligence and Blockchain technology (BI-AIBT) has been proposed to enhance the business practices and maintain the secured interaction among the various clients. The collection of qualitative empirical data is made up of few primary respondents from two distinct business sectors. BI-AIBT has been evaluated by undertaking and exploring the difference and similarities between digitalization's impact on value development, proposal, and business capture. Besides, organizational capacities and staff skills interaction issues can be improved by BT. The experimental result suggests that digital transformation is usually regarded as essential and improves business innovation strategies. The numerical result proposed BI-AIBT improves the demand prediction ratio (97.1%), product quality ratio (98.3%), Business development ratio (98.9%), customer behavior analysis ratio (96.3%), and customer satisfaction ratio (97.2%). 相似文献
17.
如何破解服务化战略的悖论，成功实施服务化战略是学者和业界人士所共同关注的。借助于大样本调查以及我们对于中国化工行业的观察，本文从买卖双方的视角重点研究了不同类型的服务化战略与感知价值之间的关系，还探索了客户参与对服务化过程的影响。统计检验的结果表明，两类服务都可以为买方带来感知经济价值和感知技术/核心价值，但感知关系/支持价值只有当客户采购基于信息技术的集成服务且通过经济价值和技术价值的中介作用获得。研究结果还表明，客户参与在基于信息技术的集成服务与客户感知技术/核心价值之间的关系中起调节作用。本文的研究的对于探索服务化战略如何匹配客户感知价值，特别是关系价值的建立以及如何管理客户参与具有重要意义。 相似文献
18.
Charles D. Raab 《The Information Society》1998,14(4):263-274
It is commonly accepted that the use of personal information in business and government puts individual privacy at risk. However, little is known about these risks-for instance, whether and how they can be measured, and how they vary across social groups and the sectors in which personal data are used. Unless we can gain a purchase on such issues, our knowledge of the societal effects of information technology and systems will remain deficient, and the ability to make and implement better policies for privacy protection, and perhaps for a more equitable distribution of risk and protection, will remain impaired. The article explores this topic, examining conventional paradigms in data protection, including the one-dimensional view of the 'data subject,' that inhibit better conceptualizations and practices. It looks at some comparative survey evidence that casts light on the question of the distribution of privacy risks and concerns. It examines theoretical issues in the literature on risk, raising questions about the objectivity and perception of the risk of privacy invasion. 相似文献
19.
Despite mobile applications being at the frontier of mobile computation technologies, security issues pose a threat to their adoption and diffusion. Recent studies suggest that security violations could be mitigated through improved security behaviors and attitudes, not just through better technologies. Existing literature on behavioral security suggests that one of the main predictors of users’ perceptions of security is their perceived privacy concerns. Using communication privacy management theory (CPM), this study examines the effects of privacy-related perceptions, such as privacy risk and the effectiveness of privacy policies, on the security perceptions of mobile app users. To empirically test the proposed theoretical model, two survey studies were conducted using mobile apps requesting less sensitive information (n = 487) and more sensitive information (n = 559). The findings show that the perceived privacy risk negatively influences the perceived security of the mobile apps; the perceived effectiveness of a privacy policy positively influences user perceptions of mobile app security; and perceived privacy awareness moderates the effect of perceived privacy risk on the perceived security of mobile apps. The results also suggest that users have different privacy-security perceptions based on the information sensitivity of the mobile apps. Theoretical and practical implications are discussed. 相似文献
20.
Although brand pages on social media platforms are burgeoning, companies frequently have difficulty in sustaining customer relationships on their brand pages. Consequently, this study focuses on how a social media brand page develops customer commitment and encourages them to perceive that future conflicts with the company can be resolved for their mutual benefit. On the basis of a review of the literature on customer value theory and commitment, this study develops an integrative model that explores the antecedents of functional conflict and the boundary condition under which brand page commitment enhances functional conflict. The model is tested using data collected from 293 followers of brand pages on a social networking site. The results demonstrate the salient roles of customer values and commitment in determining customer perceptions of future conflicts. By shifting scholarly attention from economic outcomes characterized by purchase intention to relationship outcomes characterized by functional conflict, the findings contribute to the research of the business implications of social networking sites. 相似文献