Abstract: Perceived risks play a major role in consumer intentions, behaviors, attitudes, and decisions about online shopping in the KSA. This paper investigates the influence of six perceived risk dimensions on Saudi consumers: product risk, information risk, financial risk, privacy and security risk, delivery risk, and terms and conditions risk empirically. To ensure the success of this study, a random survey was distributed to reflect the consumers’ perceived risk and to enable the generalization of the results. Data were collected from 323 respondents in the Kingdom of Saudi Arabia (KSA): 50 who had never shopped online and 273 who had done so. The results indicated that all six risks influenced the respondents’ perceptions of online shopping. The non-online shoppers perceived financial and delivery risks as the most significant barriers to online shopping. This was followed closely by performance, information, and privacy and security risks. Terms and conditions were perceived as less significant. The online consumers considered delivery and performance risks to be the most significant influences on internet shopping. This was followed closely by information and terms and conditions. Financial and privacy and security risks were perceived as less significant. This paper argues that introducing adequate legal solutions to addressing related problems arising from this study is an urgent need. This may enhance consumer trust in the KSA online market, increase consumers’ intentions regarding online shopping, and improve consumer protection.
Abstract: The purpose of this research was to study the factors of characteristic of business, website quality and trust affected intention to use electronic payment systems for online purchasing. This survey research used questionnaire as a tool to collect the data of 300 customers who purchased online products and used an electronic payment system. The descriptive statistics and multiple regression analysis were used to analyze data. The results revealed that customers had a good opinion towards the characteristic of the business and website quality. However, they have a moderate opinion towards trust and intention to repurchase. In addition, the characteristics of the business affected the purchase intention the most, followed by website quality and the trust with statistical significance at 0.05 level. For particular, the terms of reputation, communication, information quality, perceived risk and word of mouth affected the intention to use the electronic payment system. In contrast, the terms of size, system quality and service quality did not affect intention to use an electronic payment system.
Abstract: The purpose of this study was to investigate
perceptions of climate change risk to forest ecosystems and forestbased
communities as well as perceived effectiveness of adaptation
strategies for climate change as well as challenges for adaptation.
Data was gathered using a pre-tested semi-structured questionnaire.
Simple random selection technique was applied. For the majority of
issues, the responses were obtained on multi-point likert scales, and
the scores provided were, in turn, used to estimate the means and
other useful estimates. A composite knowledge index developed
using correct responses to a set of self-rated statements were used to
evaluate the issues. The mean of the knowledge index was 0.64. Also
all respondents recorded values of the knowledge index above 0.25.
Increase forest fire was perceived by respondents as the greatest risk
to forest eco-system. Decrease access to water supplies was perceived
as the greatest risk to livelihoods of forest based communities. The
most effective adaptation strategy relevant to climate change risks to
forest eco-systems and forest based communities livelihoods in
Kathmandu valley in Nepal as perceived by the respondents was
reforestation and afforestation. As well, lack of public awareness was
perceived as the major limitation for climate change adaptation.
However, perceived risks as well as effective adaptation strategies
showed an inconsistent association with knowledge indicators and
social-cultural variables. The results provide useful information to
any party who involve with climate change issues in Nepal, since
such attempts would be more effective once the people’s perceptions
on these aspects are taken into account.
Abstract: This study discovers a novel framework of individual
level technology adoption known as I-P (Individual- Privacy) towards
health information application in Smart National Identity Card. Many
countries introduced smart national identity card (SNIC) with various
applications such as health information application embedded inside
it. However, the degree to which citizens accept and use some of the
embedded applications in smart national identity remains unknown to
many governments and application providers as well. Moreover, the
factors of trust, perceived risk, Privacy concern and perceived
credibility need to be incorporated into more comprehensive models
such as extended Unified Theory of Acceptance and Use of
Technology known as UTAUT2. UTAUT2 is a mainly widespread
and leading theory up to now. This research identifies factors
affecting the citizens’ behavioural intention to use health information
application embedded in SNIC and extends better understanding on
the relevant factors that the government and the application providers
would need to consider in predicting citizens’ new technology
acceptance in the future. We propose a conceptual framework by
combining the UTAUT2 and Privacy Calculus Model constructs and
also adding perceived credibility as a new variable. The proposed
framework may provide assistance to any government planning,
decision, and policy makers involving e-government projects.
Empirical study may be conducted in the future to provide proof and
empirically validate this I-P framework.
Abstract: As the advancement of technology, online shopping channel develops rapidly in recent years. According to the report of Taiwan Network Information Center, there are almost eighty percents of internet population shopping in online channel. Synthesizing insights from the previous research, this study develops the conceptual model to integrate Theory of Perceived Risk (TPR) and Technology Acceptance Model (TAM) to apply in online shopping. Using data collected from 637 respondents from online survey website, we use structural equation modeling to test measurement and structural models. The results suggest the need for consideration of perceived risk as an antecedent in the Technology Acceptance Model. The limitations and implications are discussed.
Abstract: The availability of broadband internet and increased
access to computers has been instrumental in the rise of internet
literacy in Malaysia. This development has led to the adoption of
online shopping by many Malaysians. On another note, the
Government has supported the development and production of local
herbal products. This has resulted in an increase in the production and
diversity of products by SMEs. The purpose of this study is to
evaluate the influence of the Malaysian demographic factors and
selected attitudinal characteristics in relation to the online purchasing
of herbal products. In total, 1054 internet users were interviewed
online and Chi-square analysis was used to determine the relationship
between demographic variables and different aspects of online
shopping for herbal products. The overall results show that the
demographic variables such as age, gender, education level, income
and ethnicity were significant when considering the online shopping
antecedents of trust, quality of herbal products, perceived risks and
perceived benefits.
Abstract: Mobile payments have been deployed by businesses for more than a decade. Customers use mobile payments if they trust in this relatively new payment method, have a belief and confidence in, as well as reliance on its services and applications. Despite its potential, the current literature shows that there is lack of customer trust in B2C mobile payments, and a lack of studies that determine the factors that influence their trust in these payments; which make these factors yet to be understood, especially in the Middle East region. Thus, this study aims to explore the factors that influence customer trust in mobile payments. The empirical data for this explorative study was collected by establishing four focus group sessions in the UAE. The results indicate that the explored significant factors can be classified into five main groups: customer characteristics, environmental (social and cultural) influences, provider characteristics, mobile-device characteristics, and perceived risks.
Abstract: The survival of publicly listed companies largely
depends on their stocks being liquidly traded. This goal can be
achieved when new investors are attracted to invest on companies-
stocks. Among different groups of investors, individual investors are
generally less able to objectively evaluate companies- risks and
returns, and tend to be emotionally biased in their investing
decisions. Therefore their decisions may be formed as a result of
perceived risks and returns, and influenced by companies- images.
This study finds that perceived risk, perceived returns and trust
directly affect individual investors- trading decisions while attitude
towards brand partially mediates the relationships. This finding
suggests that, in courting individual investors, companies still need to
perform financially while building a good image can result in their
stocks being accepted quicker than the stocks of good performing
companies with hidden images.
Abstract: This study proposes and tests a rescapturing elements of perceived gain and loss that, by perceived value of medical tourism products, influencintention of potential customers. Data from 301 usable qwere tested against the research model using the structmodeling approach. The results indicated that perceivedkey predictor of customer intentions. As for benefimedical quality, service quality and enjoyment wcomponents that significantly influenced the perceptiRegarding sacrifice, the effects of perceived risk on pewere significant. The findings can provide insights intohow destination countries can make medical tourism a wfor themselves and international patients.KeywordsMedical tourism, perceived valueintention.
Abstract: Food safety is an important concern for holiday
makers in foreign and unfamiliar tourist destinations. In fact, risk
from food in these tourist destinations has an influence on tourist
perception. This risk can potentially affect physical health and lead to
an inability to pursue planned activities. The objective of this paper
was to compare foreign tourists- demographics including gender, age
and education level, with the level of perceived risk towards food
safety. A total of 222 foreign tourists during their stay at Khao San
Road in Bangkok were used as the sample. Independent- samples ttest,
analysis of variance, and Least Significant Difference or LSD
post hoc test were utilized. The findings revealed that there were few
demographic differences in level of perceived risk among the foreign
tourists. The post hoc test indicated a significant difference among
the old and the young tourists, and between the higher and lower
level of education. Ranks of tourists- perceived risk towards food
safety unveiled some interesting results. Tourists- perceived risk of
food safety in established restaurants can be ranked as i) cleanliness
of dining utensils, ii) sanitation of food preparation area, and iii)
cleanliness of food seasoning and ingredients. Whereas, the tourists-
perceived risk of food safety in street food and drink can be ranked
as i) cleanliness of stalls and pushcarts, ii) cleanliness of food sold,
and iii) personal hygiene of street food hawkers or vendors.
Abstract: This study examines the issue of recommendation
sources from the perspectives of gender and consumers- perceived
risk, and validates a model for the antecedents of consumer online
purchases. The method of obtaining quantitative data was that of the
instrument of a survey questionnaire. Data were collected via
questionnaires from 396 undergraduate students aged 18-24, and a
multiple regression analysis was conducted to identify causal
relationships. Empirical findings established the link between
recommendation sources (word-of-mouth, advertising, and
recommendation systems) and the likelihood of making online
purchases and demonstrated the role of gender and perceived risk as
moderators in this context. The results showed that the effects of
word-of-mouth on online purchase intentions were stronger than those
of advertising and recommendation systems. In addition, female
consumers have less experience with online purchases, so they may be
more likely than males to refer to recommendations during the
decision-making process. The findings of the study will help
marketers to address the recommendation factor which influences
consumers- intention to purchase and to improve firm performances to
meet consumer needs.
Abstract: This study aims at investigating the empirical
relationships between risk preference, internet preference, and
internet knowledge which are known as user characteristics, in
addition to perceived risk of the customers on the internet purchase
intention. In order to test the relationships between the variables of
model 174, a questionnaire was collected from the students with
previous online experience. For the purpose of data analysis,
confirmatory factor analysis (CFA) and structural equation model
(SEM) was used.
Test results show that the perceived risk affects the internet
purchase intention, and increase or decrease of perceived risk
influences the purchase intention when the customer does the internet
shopping. Other factors such as internet preference, knowledge of the
internet, and risk preference affect the internet purchase intention.