共查询到19条相似文献，搜索用时 109 毫秒
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B2C环境下信任服务机制作用的实证研究 总被引：1，自引：0，他引：1
信任成为影响消费者在线购物关键影响因素,近年来涌现出了很多第三方提供的信任服务机制.其目的是研究第三方标记认证、第三方排名和第三方契约担保三种典型的信任服务对在线信任和风险的作用.实证研究结果发现他们对于在线信任都有不同程度的显著促进作用,但对于感知风险的影响却不显著. 相似文献
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影响B2C电子商务在线消费行为的感知因素分析 总被引：3，自引：1，他引：3
感知因素是影响消费者网上消费动机和行为的重要变量。感知因素分析有利于揭示消费者在线消费行为的内在机理,也有助于解决目前B2C电子商务可接受程度低这一难题。本研究基于消费者对B2C电子商务的有用性、使用便利性程度和风险性高低的预期,将消费者预期因素分为三类,即分析了消费者感知有用性、感知使用便利和感知风险。在此基础上,对在线信用、在线交易倾向和最终有效交易行为的影响,构建了基于消费者感知因素的在线交易行为影响因素理论行为机理模型,并进一步建立了消费者感知因素的外显测量指标。研究表明,感知有用性和感知使用便利程度越高,消费者在线交易倾向和网上参与程度也就越高,而且也有利于在线信用的建立;感知风险越大,在线信任越低,消费者在线交易倾向和网上参与程度也就越低。这一研究结论对于B2C电子商务网站(公司)的经营决策具有一定的借鉴作用。最后,分别对上述三类感知因素的构成进行了具体分析。 相似文献
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网络口碑对消费者购买意愿影响实证研究 总被引：8，自引：1，他引：7
从消费者感知的视角,借鉴了TAM理论,构建了网络口碑影响消费者购买意愿的概念模型.模型包括个体差异和消费者感知两个构面,个体差异对消费者感知有影响,并共同影响消费者购买意愿.实证研究表明,关系强度、信任倾向、感知有用性显著正向影响购买意愿;感知风险、感知专业性显著负向影响购买意愿;网络涉入和信任倾向存在正相关关系. 相似文献
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电子商务中的信用模型研究 总被引：9，自引：0，他引：9
分析了信用的概念、内涵和度量方法,讨论了电子商务信用模型的构成,研究了电子商务信用模型的作用机理。该模型从信息的角度考察交易方的信用状况。在模型中引入了感知信任和信誉系统,通过对感知信任和信誉系统的比较来判断交易方的信用状况。 相似文献
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《内蒙古科技与经济》2021,(7)
随着互联网的快速发展,移动终端设备的逐渐普及,移动支付逐渐成为移动互联网时代的主流支付方式之一,其中第三方移动支付因其便利性等特点,占据较大市场份额。用户的使用意愿是影响第三方移动支付发展的重要因素。基于第三方支付的相关研究,以技术接受模式为理论基础,增添了网络外部性、感知价值、感知风险因素,构建了北京大学生第三方移动支付使用意愿的影响因素模型。借助SPSS实证分析了影响用户使用第三方移动支付的因素,并针对所得结论提出如下建议:促进第三方移动支付功能多样化,提升用户的使用意愿;提高第三方移动支付平台安全性,降低用户的感知风险;优化第三方移动支付的社交属性,提高用户的感知价值。 相似文献
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以信任、感知风险和创新开放度理论为基础,构建影响中小企业科技服务购买意愿的概念框架并提出研究假设予以论证。以324家宁波中小企业为样本进行实证研究,结果表明：供应商信任(认知信任、情感信任)对企业科技服务购买意愿具有显著正向影响,而感知风险对企业科技服务购买意愿产生显著负向影响；供应商信任与科技服务感知风险之间具有显著负相关关系,且情感信任维度相关性更高；创新开放度对供应商情感信任、感知风险与企业科技服务购买意愿关系的调节作用显著。 相似文献
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《科技创业月刊》2015,(11)
调查分析了B2C信用交互传导体系对消费者、商家、第三方信用平台交易行为影响,并运用博弈理论试图从多方视角出发探究第三方平台信用传导和信用传递的作用下的均衡解——消费者和商家之间的诚信交易均衡解、消费者和第三方信用保障平台的保障均衡解、商家和第三方监管平台的监管均衡解。并针对三种均衡解,进行动态分析,得出长、短期监管结论,长、短期保障结论,诚信交易结论。基于对信用平台初步探究所得出的结论,试图寻找方法对信用交易进行更好的划分,为此文章将金融领域汽车保险的引无赔款优待模型(NCD)进入B2C平台,创新性地提供了一种三方"共赢"的商家投保的信用累退收费模式。 相似文献
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微信支付是腾讯公司于2008年推出的移动支付创新产品,发展前景光明。本文在整合UTAUT模型和ITM模型的基础上,增加感知娱乐性和感知安全性两个因素,构建微信支付的用户接受模型,分析影响用户使用微信支付的关键因素。结果表明,按照影响力的大小,影响用户最终使用微信支付的因素依次为行为意愿、绩效期望、感知安全性、感知娱乐性、努力期望、初始信任以及便利条件。 相似文献
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The global spread and use of internet and mobile contributed to the development of digital payments and baking. There is a lack of research which provides comprehensive synthesis and analysis of factors affecting the use and adoption of digital banking and payment methods in GCC countries. Thus, the aim of this paper is to provide a comprehensive literature review and perform weight and meta-analysis. By reviewing 46 studies, it was found that best predictors for digital payment and banking adoption in GCC countries are trust, perceived security and perceived usefulness. Based on the extensive literature review, the conceptual of factors affecting adoption digital banking and payment methods in Gulf countries model was proposed, which will set agenda for future research. Practitioners will be able to use the findings from this study to improve adoption and quality of digital banking and payment services 相似文献
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［目的/意义］健康信息风险和用户隐私保护是健康大数据和移动健康时代的重要议题,从信息隐私和隐私计算视角,探究移动健康管理服务使用意愿的影响因素具有重要意义。［方法/过程］本文在分析移动健康管理服务特殊性和回顾相关研究的基础上,从信息隐私和隐私计算的视角,通过模型构建、问卷调查和假设验证等实证分析过程,重点探究信息隐私等相关因素对移动健康管理服务用户行为意向的影响。［结果/结论］研究表明：显著影响移动健康管理服务使用意愿的因素有感知收益和信任;隐私顾虑对使用意愿的影响并不显著,但并不意味着用户隐私保护不重要;此外,感知隐私控制是重要的心理要素,正向影响感知收益,负向影响隐私顾虑。对移动健康管理服务商来说,应该从信息隐私保护、感知收益提升、个人隐私控制强化以及用户信任建设等方面着手,从而促进移动健康管理服务的用户使用。 相似文献
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信用的起源、发展、形成与应用型态 总被引：1，自引：0，他引：1
从经济学的角度探讨了信任、信誉、信用三者之间的关系及信用在经济活动中的应用。信任起源于人与人之间的交往,信誉是正向信任的累积效应,信用则是信誉的长期积累并具有商品特性,尤其是具有货币的流通、贮藏、支付等功能。 相似文献
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Potential for the use of mobile wallet is enormous and it is drawing attention as an alternative mode of payment worldwide. The present research aims to provide important insights into the TAM (Technology Acceptance Model) and UTAUT2 (Unified Theory of Acceptance and Use of Technology) models. This study develops a conceptual model to determine the most significant factors influencing user's intention, perceived satisfaction and recommendation to use mobile wallet. The research model included 206 responses from an online and manual survey in India. Our study tested the moderating effect of innovativeness, stress to use and social influence on user's perceived satisfaction and recommendation to use mobile wallet services. We found that ease of use, usefulness, perceived risk, attitude, to have significant effect on user's intention, which further influenced user's perceived satisfaction and recommendation to use mobile wallet services. We also determined the significant moderating effect of stress to use and social influence on user's perceived satisfaction and recommendation to mobile wallet services. This study provides an integrated framework for academicians to measure the moderating effect of psychological, social and risk factors on technology acceptance. It can also help practitioners by identifying important factors affecting user's decision, which further affects user's perceived satisfaction and recommendation to use mobile wallet services. 相似文献
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运用logistic回归方法,对陕西1151户农户的问卷调查数据进行了计量分析,检验了收入水平、非农程度、风险规避倾向、社会网络等农户个体特征对农户正规和非正规信贷约束的影响。经验分析结果表明:收入水平和非农程度对农户的两类信贷约束都具有显著的负向影响;正规信贷约束受到"关系"的显著影响,但不受农户内在的风险规避倾向的影响;非正规贷款不受"关系"的显著影响,但受到农户内在的风险规避倾向等因素的影响。 相似文献
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《International Journal of Information Management》2016,36(3):441-450
The purpose of this research is to explore the factors that influence a consumer before installing a mobile application. A research model is created based on perceived risk, trust, perceived benefit, and intent to install. Seven antecedents of trust and risk include perceived security, perceived reputation, application characteristics, familiarity, desensitization, consumer disposition to trust, and consumer disposition to risk. Partial least squares (PLS) is used to test the research model. Only significant antecedents are retained and a new research model is created, which includes the antecedents of perceived security and familiarity. Results show that consumers that perceive more security have greater trust and reduced perceived risk. Furthermore, consumers that feel more familiar with finding, purchasing, downloading, and installing applications have greater trust and reduced perceived risk. More than half (R2=.505) of the variability in the intention to install an app is explained. 相似文献
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引入湿地修复第三方、运用市场交易手段实现湿地修复和等效补偿是湿地生态管理模式的创新。湿地信用是湿地修复等价交换的媒介物,科学评估湿地信用并完成湿地功能的等效交易,是实施生态修复、保障湿地规模和生态系统服务功能不下降的技术依据。本文系统梳理了美国湿地修复补偿中基于面积规模和基于生态系统服务功能两类湿地信用评估模型与参数,阐释湿地市场化等效补偿交易规则与交易价格制定。研究发现：①两类湿地信用评估方法同时兼顾了生态服务的功能性和市场交易的灵活性,是湿地信用评估的有效手段;②湿地信用交易价格受建设成本、交易时效等影响,是在湿地修复市场供需关系中形成的均衡价格;③设定市场交易规则,制定规范的修复方式,是实现交易生态等效的重要保障。中国应逐步培育湿地修复第三方产业、探索湿地修复市场化补偿模式、开展湿地修复绩效评估,探索和完善如何保障与生态系统服务对等的湿地等效评估技术,为中国开展生态修复市场化改革及湿地修复绩效评价提供科学依据和技术支撑。 相似文献
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The mediating role of consumer trust in an online merchant in predicting purchase intention 总被引：1，自引：0，他引：1
It is widely known in related literature that trust in a merchant reduces the perceived risk of an online transaction. However, there are theoretical reasons to postulate that the perceived risk acts as a barrier to consumer trust. Furthermore, existing studies suggest that trust is an important predictor of purchase intention. Thus, this research aims at investigating the mediating role of consumer trust in an online merchant in the relationships between components of perceived risk and purchase intention: (1) examining the total effect without mediation, and (2) examining the mediation effect. When we probed the total effect, the findings revealed that performance, psychological, financial, and online payment risks have a significant negative influence on purchase intention. On the other hand, an examination of the mediation effect indicated that trust in an online merchant completely mediates the effect of performance risk, but partially mediates that of the psychological risk. Given the mixture of unmediated as well as mediated effect of perceived risks on purchase intention, the paper concludes that efforts, made by online merchants, to lessen certain types of risk will first improve consumer trust, and then ultimately, increase consumer's intention to buy online. 相似文献