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Empirical Study on Consumer Perceived On-line Payment Risk

机译:消费者感知在线支付风险的实证研究

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This paper takes the potential release of online transaction market size as the starting point of research, and discusses how Chinese consumer perceived risks influence online payment willingness.This study divides consumer perceived risks of online payment into eight dimensions: Economic risk, Functional risk, Private risk, Security risk, Time risk, Service risk, Psychological risk and Social risk.Furthermore, it explores the influence of multi-dimensional perceived risks on the willingness of consumers' online payment on the basis of 616 samples from Shanghai.The empirical results show that there is a significant negative correlation between perceived economic risks and the willingness to pay online;perceived security risks and some other risks have significant positive effect on payment willingness, which shows that certain perceived risks are becoming systemic risks in accordance with the principle of finance.So, the paper imply that both Private and Government third payment platforms shall take certain measures to reduce consumers' specific perceived risk for promoting the development of online transaction market in China.
机译:本文以潜在的在线交易市场规模释放为研究起点,探讨中国消费者感知风险如何影响在线支付意愿。本研究将消费者感知在线支付风险分为八个维度:经济风险,功能风险,私人风险。风险,安全风险,时间风险,服务风险,心理风险和社会风险。此外,本文以上海的616个样本为基础,探索了多维感知风险对消费者在线支付意愿的影响。感知的经济风险与在线支付意愿之间存在显着的负相关;感知的安全风险和其他风险对支付意愿具有显着的正向影响,这表明某些感知的风险正在按照金融原理变为系统性风险因此,本文暗示私人和政府的第三付款平台公司应采取某些措施降低消费者的特定感知风险,以促进中国在线交易市场的发展。

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