“…This is in line with findings from e-commerce that "the analyses show that trust in the internet is particularly influenced by the security perceived by consumers regarding the handling of their private data" (Flavián & Guinalíu, 2006, p. 601), and that privacy is a crucial factor that needs to be maintained (cf. Cavoukian, 2010;Van Lieshout, Kool, van Schoonhoven, & Jonge, 2011). In this regard, especially for transactional offers to be successful, a minimum level of trust is required, which can be conceptually divided into trust in the institution and trust in technology (Bélanger & Carter, 2008).…”