Fear of fraud and Internet purchasing

Narayanan, Meyyappan; Koo, Bonwoo; Cozzarin, Brian Paul

doi:10.1080/13504851.2011.648313

Cited by 10 publications

(5 citation statements)

References 9 publications

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“…These data are regularly used by analytics companies to observe and identify patterns of consumer conduct, to aggregate consumer information into profiles, and to sell this information to marketers or other interested parties who, in turn, use these data for customized marketing or predictive analytics (Ashworth and Free ; Buck et al ; Esposti ; Shklovski et al ; Sipior, Ward, and Volonino ; van Dijck ). Despite the potentially positive outcomes of this kind of tracking, such as receiving targeted ads that fit ones interests (Aguirre et al ), mobile app users may also experience direct negative consequences, such as discrimination in buying situations (Bauman and Lyon ; Esposti ), identity theft (Reyns ), fraud (Narayanan, Koo, and Cozzarin ), and unwanted commercial solicitations (Sutanto et al ).…”

mentioning

confidence: 99%

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App Users Unwittingly in the Spotlight: A Model of Privacy Protection in Mobile Apps

Wottrich¹,

Reijmersdal²,

Smit³

2018

Journal of Consumer Affairs

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Mobile apps are increasingly jeopardizing app users' online privacy by collecting, storing, and sharing personal data disclosed via apps. However, little is known about mobile app users' current privacy protection behavior and the factors that motivate it. Drawing on Roger's Protection Motivation Theory (PMT), this study develops and tests the App Privacy Protection Model among 1,593 Western European app users. The results demonstrate that, on the one hand, increased levels of perceived self‐efficacy, vulnerability, and privacy concern enhance mobile app users' motivation to engage in risk‐reducing behavior, while on the other hand, higher levels of knowledge of the data collection practices of mobile apps, app attitude, and perceived response costs diminish it. Being the first study that applies PMT in the mobile app context, this study offers several important implications regarding privacy protection in mobile apps.

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mentioning

confidence: 99%

“…as discrimination in buying situations (Bauman and Lyon 2013;Esposti 2014), identity theft (Reyns 2013), fraud (Narayanan, Koo, and Cozzarin 2012), and unwanted commercial solicitations (Sutanto et al 2013).…”

mentioning

confidence: 99%

App Users Unwittingly in the Spotlight: A Model of Privacy Protection in Mobile Apps

Wottrich¹,

Reijmersdal²,

Smit³

2018

Journal of Consumer Affairs

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show abstract

“…These customers can be conscious during their online banking activities and do not share their personal information whenever asked by a site. Narayanan et al, (2012) added that consumer attributes and the household's head education level have a vital impact on the decision-making process of consumer internet transactions. Carlos Flavián and Miguel Guinalíu (2006) opined that trust in internet banking is especially affected by consumers' protection when handling their private data.…”

Section: Literature Reviewmentioning

confidence: 99%

Phenomenon of bank scams in Bangladesh: Analysis on behavioral issues

Amir

Islam³

2022

IJRBS

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The primary purpose of this research study is to reflect on financial anomalies, especially bank scams in Bangladesh. This study is an empirical approach developed through a well-structured Likert-scaled questionnaire to indicate different human behaviors, psychologies, and emotions that considerably impact financial incongruities in Bangladesh. The proposed model supported the structural equation model (SEM) and used SPSS Amos (Version 24) to build an attitudinal and behavioral model that reflects the complex relationships segment of this paper. Results show people try to rationalize irrational, unethical, and impertinent things and issues to achieve self-gain. Furthermore, corporations are treated as an entity for which they cannot be punished. Apart from this, human natures like greediness, dissatisfaction with what people have, societal status, possession and position, competition with peer groups for luxury, and tendency to imitate bad things are also responsible for bank scams in the Bangladeshi economy. Last but not least bad loan and default culture developed in the banking industry of Bangladesh only lacks execution laws, rules, and regulations.

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“…In this section we present additional work more closely aligned to our manuscript, on perceived risk and online purchasing, and formally present our first two hypotheses. The most similar paper to ours is that by Narayanan et al [18] in which the authors use a similar approach, on years 2002 and 2003 of the precursor to the survey we use, to determine consumers' purchase habits. However, they do not consider the type of access device in users' risk attitudes.…”

Section: Hypotheses 1 and 2: Perceived Risk And Online Purchasingmentioning

confidence: 99%

Mobile commerce and device specific perceived risk

Cozzarin

Dimitrov

2015

Electron Commer Res

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This study examines the role of perceived risk and access device type on consumers' on-line purchase decisions. We use a two-step hurdle approach to estimate consumer behavior. In the first step, the decision of whether to engage in eCommerce is estimated and in the second step, how many orders to place is estimated. We use a large multi-year survey sample of households from Canada's national statistical agency-Statistics Canada. The sample size is such that we are able to conduct sub-sample analysis of PC-only users, mobile-only users, and other-users.We show that online security and price significantly influence mobile eCommerce. We also show that there is a statistically significant difference in the intensity of eCommerce engagement across device type and consumer risk type (high / low). One of our main findings is that perceived risk affects purchase decisions for mobile users more than PC users, however additional comparisons are carried out with our analysis.

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Fear of fraud and Internet purchasing

Cited by 10 publications

References 9 publications

App Users Unwittingly in the Spotlight: A Model of Privacy Protection in Mobile Apps

App Users Unwittingly in the Spotlight: A Model of Privacy Protection in Mobile Apps

Phenomenon of bank scams in Bangladesh: Analysis on behavioral issues

Mobile commerce and device specific perceived risk

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