“…The second-best predictor of intent to use m-commerce was perceived trust. This confirmed that trust is a critical component of economic transactions in online environments ( Ashraf et al., 2014 ; Flavián and Guinalíu, 2006 ; Gefen et al., 2003 ; Gefen and Straub, 2004 ; Hansen et al., 2018 ; Nguyen and Huynh, 2018 ; Nor and Pearson, 2007 ; Pavlou, 2003 ; Sing and Matsui, 2017 ; Tan and Sutherland, 2004 ), and is positively related to the adoption of e-payment, m-payment and m-banking by consumers in Vietnam, Thailand, the Republic of Korea and the United Kingdom ( Nguyen and Huynh, 2018 ; Pipitwanichakarn and Wongtada, 2018 ; Shaikh and Karjaluoto, 2015 ; Shin, 2009 ; Slade et al., 2013 ). In fact, the first online purchase study of the Electronic Commerce Observatory of Ecuador suggested that more than 70% of Ecuadorians interviewed named trust as the main reasons for not making online purchases, and 44.9% declared that they did not buy in national portals for reasons related to lack security and support during the purchase process.…”