Title: Further insights into the relationship between consumers' trust and e-commerce adoption

Authors: Patrick Chang Boon Lee, Desmond Chun Yip Yuen, Ken Sze Kin Lee

Addresses: Faculty of Business Administration, University of Macau, Av. Padre Tomas Pereira, S.J. Taipa, Macao, China. ' Faculty of Business Administration, University of Macau, Av. Padre Tomas Pereira, S.J. Taipa, Macao, China. ' Faculty of Business Administration, University of Macau, Av. Padre Tomas Pereira, S.J. Taipa, Macao, China

Abstract: The present study investigates the relationship of two independent variables – (i) trust and (ii) willingness to use credit cards for electronic transactions – on electronic-commerce (e-commerce) adoption. In addition to postulating that these two variables independently have a positive relationship with e-commerce adoption, the study further postulates that the two variables interact to influence adoption. Test results based on quantitative data showed the interactive effect is significant. The study also analyses e-commerce adoption using qualitative data. The combination of quantitative and qualitative findings provides a richer understanding of the effect of trust and willingness to use credit cards on e-commerce adoption.

Keywords: e-commerce adoption; consumer trust; credit card transactions; electronic business; e-business; electronic commerce.

DOI: 10.1504/IJEB.2006.011325

International Journal of Electronic Business, 2006 Vol.4 No.5, pp.364 - 379

Published online: 17 Nov 2006 *

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