A theoretical model and definition of human trust in World Wide Web (WWW) commerce systems, and an empirical evaluation of the factors affecting trust in Web banking systems /
The purpose of this research is to provide a framework for studying the concept of trust in World Wide Web (WWW) commerce systems. A definition of trust in WWW commerce systems is developed and a theoretical model of trust in WWW commerce systems is presented. Past research on innovation adoption ha...
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| Format: | Thesis Book |
| Language: | English |
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[Place of publication not identified] :
[publisher not identified] ;
1999.
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| Online Access: | http://proxy.library.tamu.edu/login?url=http://proquest.umi.com/pqdweb?did=730829111&sid=1&Fmt=2&clientId=2945&RQT=309&VName=PQD |
| Summary: | The purpose of this research is to provide a framework for studying the concept of trust in World Wide Web (WWW) commerce systems. A definition of trust in WWW commerce systems is developed and a theoretical model of trust in WWW commerce systems is presented. Past research on innovation adoption have identified several characteristics that influence successful adoption of new technology. Researchers in social psychology have identified the factors that influence the development of trust in individuals. We integrate these two research streams to make a case for studying trust as an important factor in successful adoption of WWW commerce. In order to measure trust in WWW commerce systems, an instrument called the Trust Scale is developed. The instrument is validated using exploratory and higher order factor analysis to identify the presence of the underlying factor, trust. Cronbach's Alpha for the trust scale was 0.84, well over the recommended minimum alpha of 0.7. In the first stage of this research, we found that trust in our WWW commerce system was lower than trust in conventional banking systems, substantiating the need for studying factors that can influence trust in WWW commerce. In the second stage, three of our four major hypotheses were validated. Our first hypothesis regarding the influence of information provision on trust was substantiated. We found that information provision about the system resulted in higher trust in the system. Our second hypothesis regarding the influence of task risk on trust was also substantiated. We found that trust in a system is dependent on task risk, thereby suggesting that WWW commerce systems may not be trusted for all tasks. Our third hypothesis regarding the influence of an individual's Tendency To Trust, on trust in the system was not substantiated. Our final major hypothesis about the influence of trust on the willingness to use the system was substantiated. We found that individuals who had higher trust in the systems were more willing to accept and use the system, indicating that trust in the system will play a key role in ensuring adoption and continued use of WWW commerce systems. |
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| Item Description: | Vita. "Major Subject: Information and Operations Management". |
| Physical Description: | xii, 241 leaves : illustrations ; 28 cm. Issued also on microfiche from University Microfilm Inc. |
| Bibliography: | Includes bibliographical references (leaves 192-198). |