Assessing the Risk in E-Commerce

This study identifies the risks to e-commerce using a diverse sample of Internet and other firms by assessing the stock market reaction to hacker attacks. The research issue is, do expert business risk assessors perceive that Internet activity and e- commerce risks per se generate incremental risk of financial distress

Quantifying the numeric and linguistic magnitude of perceived risk in e-commerce interactions for RDSS

In an e-commerce business interaction, the risk assessing agent by analyzing the possible level of perceived risk beforehand can make an informed decision of its future course of interaction with an agent. The perceived risk in the context of an e-commerce business interaction is a multidimensional construct which is the combination of its subcategories. In this paper we propose a methodology by which the risk assessing agent can ascertain the numeric and linguistic level of perceived risk in an interadion by combining its different subcategories

Business-to-consumer e-commerce in Nigeria: Prospects and challenges

The growth of Internet usage in Nigeria continues to increase, recording over 90% growth rate between 2000 and 2008. While businesses in Nigeria are reported to have online access with opportunity for ecommercial activities, customers in the country however access business websites only to source for information but make purchases the traditional way. This paper aims at assessing the prospects and challenges of Business-to-consumer (B2C) e-commerce implementation in Nigeria from the consumers’ perspective. Survey research was adopted for this study. Research hypotheses were formulated and questionnaire designed and administered randomly to 900 respondents. Collected data was used to evaluate the acceptance of B2C e-commerce using the extended technology acceptance model (TAM). The extended TAM combines task-technology fit, relationship related construct: trust and risk, and the two TAM constructs to determine factors influencing consumer acceptance of B2C e-commerce in Nigeria. Findings revealed that there are significant relationships between the model variables. Tasktechnology fit and perceived usefulness have significant relationships with intentions to use, having a correlation coefficient of 0.2623 and 0.2002 respectively. Similarly, the interrelationship among trust, perceived risk, and behavioral intention are significant. The effect of risk on trust was statistically showing that risk is a predictor of trust. Risk has a high significant on trust and trust in turn has low significant effect on behavioral intention. Adding TTF and its relationships to the TAM also fit the data. The relationship between task-technology fit, perceived ease of use, perceived usefulness and intention are significant

A Framework for Assessing E-Commerce Customers’ Satisfaction based on Electronic Words of Mouth

Electronic commerce, though highly beneficial, is usually perceived by people to be riskier than its brick and mortal counterpart. The confirmation or disconfirmation of customers’ perceived risk ultimately results in their dissatisfaction or satisfaction with the service. A lot of studies have been carried out on e-commerce customer satisfaction; investigation of this subject based on customers’ electronic words of mouth (eWOM), is however, sparse. There is also a dearth of models or frameworks that can be used for assessing customer satisfaction, based on their eWOM. Building on the foundation of relevant empirical findings and the DeLone and McLean’s IS Model for e-commerce, the present study proposed and developed a framework for assessing e-commerce customers’ satisfaction based on their eWOM.  The study also demonstrated the use of the model with the eWOM of customers of one of the most popular e-commerce sites in Nigeria, Jumia. These customers’ e-commerce service-related communications (eWOM) were retrieved from Twitter. Tweets were analysed based on the proposed framework. It was found that customers of the examined e-commerce site expressed more dissatisfaction than satisfaction through their eWOM. The overall satisfaction index was -0.84 and all indicators, except only one, had negative satisfaction indices. It is recommended that the framework can be further tested and used to assess the performance of more e-commerce sites. It is also recommended that e-commerce service providers should be intentional about examining their customers’ eWOM and improving their services by addressing the loop holes identified from the examination of the eWOM

Ecommerce risk management: analysing the case Vietnam Airlines incident

E-Commerce is the purchase and sale of goods, services and exchange of information based on communications networks and the Internet. Information, information systems, computers, computer networks, and other electronic means play an especially important role. These objects are valuable assets and targeted attacks by cybercriminals. E-commerce risk management is to protect the development of e-commerce. It includes setting information security objectives, assessing vulnerabilities, threats and attacks, and selecting countermeasures. The paper presents the theory of e-commerce risk management, analysing the Vietnam Airlines e-commerce risk management case, using the DREAD model. The paper provides the discussions and short recommendations to other enterprises in e-commerce risk management nowadays

Concern for Information Privacy and Online Consumer Purchasing

Although electronic commerce experts often cite privacy concerns as barriers to consumer electronic commerce, there is a lack of understanding about how these privacy concerns impact consumers\u27 willingness to conduct transactions online. Therefore, the goal of this study is to extend previous models of e-commerce adoption by specifically assessing the impact that consumers\u27 concerns for information privacy (CFIP) have on their willingness to engage in online transactions. To investigate this, we conducted surveys focusing on consumers\u27 willingness to transact with a well-known and less well-known Web merchant. Results of the study indicate that concern for information privacy affects risk perceptions, trust, and willingness to transact for a well-known merchant, but not for a less well-known merchant. In addition, the results indicate that merchant familiarity does not moderate the relationship between CFIP and risk perceptions or CFIP and trust. Implications for researchers and practitioners are discussed

E-commerce in Morocco in the era of COVID-19: Ephemeral or lasting trend

Assessing the adoption intention of new markets and new technologies is key to their success. Thus, it is important to identify the reasons behind individuals’ acceptance and use of a particular technology. For this, the current study aims at investigating Moroccan consumers’ behavior toward using e-commerce during the COVID-19 pandemic. An empirical study has been conducted to understand the factors that influence the intention to adopt online shopping in Morocco, all while highlighting the change in behavior caused by the coronavirus. These factors include perceived risk, trust, perceived ease of use, perceived usefulness, perceived behavioral control, and subjective norm. An online questionnaire was distributed to gather data. A total of 296 answers were collected and analyzed using structural equation modeling. The results revealed a positive and significant impact of subjective norms, perceived ease of use, and perceived usefulness on Moroccan’s intention to purchase online during the health crisis. The findings can help marketers and online business owners to grasp the motives behind Moroccan consumers’ online purchase intention in the new context of the COVID-19 pandemic. The main limitation is that most of the survey respondents have a higher education, which is not representative of the Moroccan population.   Keywords: COVID-19, E-commerce, TPB, Purchase intention, Morocco JEL Classification: 033, 055 Paper type: Empirical researchAssessing the adoption intention of new markets and new technologies is key to their success. Thus, it is important to identify the reasons behind individuals’ acceptance and use of a particular technology. For this, the current study aims at investigating Moroccan consumers’ behavior toward using e-commerce during the COVID-19 pandemic. An empirical study has been conducted to understand the factors that influence the intention to adopt online shopping in Morocco, all while highlighting the change in behavior caused by the coronavirus. These factors include perceived risk, trust, perceived ease of use, perceived usefulness, perceived behavioral control, and subjective norm. An online questionnaire was distributed to gather data. A total of 296 answers were collected and analyzed using structural equation modeling. The results revealed a positive and significant impact of subjective norms, perceived ease of use, and perceived usefulness on Moroccan’s intention to purchase online during the health crisis. The findings can help marketers and online business owners to grasp the motives behind Moroccan consumers’ online purchase intention in the new context of the COVID-19 pandemic. The main limitation is that most of the survey respondents have a higher education, which is not representative of the Moroccan population.   Keywords: COVID-19, E-commerce, TPB, Purchase intention, Morocco JEL Classification: 033, 055 Paper type: Empirical researc

COBRA framework to evaluate e-government services: A citizen-centric perspective

E-government services involve many stakeholders who have different objectives that can have an impact on success. Among these stakeholders, citizens are the primary stakeholders of government activities. Accordingly, their satisfaction plays an important role in e-government success. Although several models have been proposed to assess the success of e-government services through measuring users' satisfaction levels, they fail to provide a comprehensive evaluation model. This study provides an insight and critical analysis of the extant literature to identify the most critical factors and their manifested variables for user satisfaction in the provision of e-government services. The various manifested variables are then grouped into a new quantitative analysis framework consisting of four main constructs: cost; benefit; risk and opportunity (COBRA) by analogy to the well-known SWOT qualitative analysis framework. The COBRA measurement scale is developed, tested, refined and validated on a sample group of e-government service users in Turkey. A structured equation model is used to establish relationships among the identified constructs, associated variables and users' satisfaction. The results confirm that COBRA framework is a useful approach for evaluating the success of e-government services from citizens' perspective and it can be generalised to other perspectives and measurement contexts. Crown Copyright © 2014.PIAP-GA-2008-230658) from the European Union Framework Program and another grant (NPRP 09-1023-5-158) from the Qatar National Research Fund (amember of Qatar Foundation

Omnipresent Chemicals: TSCA Preemption in the Wake of PFAS Contamination

Over the past few decades, studies addressing the harms of PFAS have gradually progressed, and now scientists believe increased exposure could lead to reproductive defects and a higher risk of cancer. Given the amplified concern surrounding these pervasive chemicals, states are proactively filing lawsuits on behalf of their citizens and enacting legislation to combat this nation-wide contamination epidemic. However, given the 2016 Amendment to the Toxic Substances Control Act of 1976, states looking to regulate the manufacturing or looking to ratify a state- wide ban on the manufacturing of such chemicals may face preemption under actions taken by the United States Environmental Protection Agency. This Note focuses on the possible loss of state autonomy with regards to PFAS regulation. It addresses the issues states might face given the restrictive nature of the newly enacted preemption provisions of the Toxic Substances Control Act, while also examining the Act’s possible deficiencies. Ultimately, recognizing a need for creative solutions outside the scope of manufacturing regulations may provide the best solutions for states to combat these ubiquitous chemicals