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Internet transactions: perceptions of personal risk

Author

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  • Jollean K. Sinclaire
  • Ronald B. Wilkes
  • Judith C. Simon

Abstract

User perception of the risk associated with giving information to online companies is examined, as well as user concerns with personal privacy and beliefs that using the internet can result in personal privacy problems. A research model was proposed by integrating constructs from previous research, and a survey was conducted to examine one construct: user perception of the internet or the degree to which individuals discriminate between online versus traditional companies. Overwhelmingly, respondents reported feeling more at risk and less safe when giving information to firms that conduct business only online than when giving information to firms that conduct business only in the traditional face-to-face manner in an office or store. Additionally, 65% of those surveyed believe that using the internet can result in personal privacy problems. This paper suggests that positive merchant/web attributes are necessary but insufficient to provide the assurance of transaction safety that web users require.

Suggested Citation

  • Jollean K. Sinclaire & Ronald B. Wilkes & Judith C. Simon, 2006. "Internet transactions: perceptions of personal risk," International Journal of Networking and Virtual Organisations, Inderscience Enterprises Ltd, vol. 3(4), pages 425-437.
    • Handle: RePEc:ids:ijnvor:v:3:y:2006:i:4:p:425-437
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    Cited by:

    1. Udo, Godwin J. & Bagchi, Kallol K. & Kirs, Peeter J., 2010. "An assessment of customers’ e-service quality perception, satisfaction and intention," International Journal of Information Management, Elsevier, vol. 30(6), pages 481-492.

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