User Behavior in Using Mobile Commerce (Scale Development: Perspective of Trust and Risk)

Setiawan Assegaff(1*), Jasmir Jasmir(2), Dodo Zaenal Abidin(3), Sharipuddin Sharipuddin(4)
(1) STIKOM Dinamika Bangsa
(2) STIKOM Dinamika Bangsa
(3) STIKOM Dinamika Bangsa
(4) STIKOM Dinamika Bangsa
(*) Corresponding Author


The aim of ours research is to explore the relation between the elements of trust and risk and their impact on consumer behavior in the intention of use of mobile commerce services based on sales. The final goal of this research is to understand consumer behavior in the use of mobile commerce application services in Indonesia by considering the elements of trust and risk in consumer behavior. Finding from previous research have revealed that trust and risk is one of the critical aspects in the use of e-commerce services. This article focus is to discuss the development stages of research instruments development to be used in next survey agenda. By applying Technology Acceptance Model (TAM) as a theoretical basis of a conceptual model and the research instrument was developed. Models and instruments then validated through a pilot study involving 75 students as respondents. Survey data were analyzed via Smart-PLS software version 2 to ensure reliability level and validity of the instrument. This study resulted in a validated instrument that will be used to collect data from actual surveys

Kata Kunci

User Behavior; Mobile Commerce; Trust; Risk

Teks Lengkap:

PDF (English)


C. Baden-Fuller and S. Haefliger, "Business models and technological innovation," Long range planning, vol. 46, pp. 419-426, 2013.

A. Sharma, "Trends in Internet-based business-to-business marketing," Industrial marketing management, vol. 31, pp. 77-84, 2002.

D. W. Stewart and Q. Zhao, "Internet marketing, business models, and public policy," Journal of Public Policy & Marketing, vol. 19, pp. 287-296, 2000.

A. R. Ashraf, N. Thongpapanl, and S. Auh, "The application of the technology acceptance model under different cultural contexts: The case of online shopping adoption," Journal of International Marketing, vol. 22, pp. 68-93, 2014.

K. R. Goosen, J. Wolfe, and S. C. Gold, "Panel Discussion: Alternative Ways of Using the Internet for Business Simulations to Input Decisions, Process, and Present Financial and Economic Data Output," Developments in Business Simulation and Experiential Learning, vol. 34, 2014.

W. Xue, D. Li, and Y. Pei, "The Development and Current of Cross-border E-commerce," Development, 2016.

P. E. Kourouthanassis and G. M. Giaglis, "Introduction to the special issue mobile commerce: the past, present, and future of mobile commerce research," International Journal of Electronic Commerce, vol. 16, pp. 5-18, 2012.

C. Ruiz-Mafé, S. Sanz-Blas, and J. Aldás-Manzano, "Drivers and barriers to online airline ticket purchasing," Journal of Air Transport Management, vol. 15, pp. 294-298, 2009.

X. Luo, H. Li, J. Zhang, and J. Shim, "Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services," Decision support systems, vol. 49, pp. 222-234, 2010.

F. D. Davis Jr, "A technology acceptance model for empirically testing new end-user information systems: Theory and results," Massachusetts Institute of Technology, 1986.

H. Hoehle and V. Venkatesh, "Mobile application usability: conceptualization and instrument development," Mis Quarterly, vol. 39, pp. 435-472, 2015.

S. Kim and H. Park, "Effects of various characteristics of social commerce (s-commerce) on consumers’ trust and trust performance," International Journal of Information Management, vol. 33, pp. 318-332, 2013.

D. H. McKnight, V. Choudhury, and C. Kacmar, "Developing and validating trust measures for e-commerce: An integrative typology," Information systems research, vol. 13, pp. 334-359, 2002.

K. Siau and Z. Shen, "Building customer trust in mobile commerce," Communications of the ACM, vol. 46, pp. 91-94, 2003.

Q. Yang, C. Pang, L. Liu, D. C. Yen, and J. M. Tarn, "Exploring consumer perceived risk and trust for online payments: An empirical study in China’s younger generation," Computers in Human Behavior, vol. 50, pp. 9-24, 2015.


P. D. Chatzoglou, S. E. Kamperidou, E. Vraimaki, E. Polychrou, V. P. Aggelidis, and A. D. Diamantidis, "Factors affecting the adoption of internet banking in Greece," International Journal of Applied Systemic Studies, vol. 5, pp. 290-310, 2014.

R. Dahlstrom, A. Nygaard, M. Kimasheva, and A. M. Ulvnes, "How to recover trust in the banking industry? A game theory approach to empirical analyses of bank and corporate customer relationships," International Journal of Bank Marketing, vol. 32, pp. 268-278, 2014.

A. Mukherjee and P. Nath, "A model of trust in online relationship banking," International Journal of Bank Marketing, vol. 21, pp. 5-15, 2003.

S. K. Roy, A. Kesharwani, and S. Singh Bisht, "The impact of trust and perceived risk on internet banking adoption in India: An extension of technology acceptance model," International Journal of Bank Marketing, vol. 30, pp. 303-322, 2012.

J. P. Peter and M. J. Ryan, "An investigation of perceived risk at the brand level," Journal of marketing research, pp. 184-188, 1976.

M. S. Featherman and P. A. Pavlou, "Predicting e-services adoption: a perceived risk facets perspective," International journal of human-computer studies, vol. 59, pp. 451-474, 2003.

M.-C. Lee, "Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit," Electronic commerce research and applications, vol. 8, pp. 130-141, 2009.

D. Gefen, "E-commerce: the role of familiarity and trust," Omega, vol. 28, pp. 725-737, 2000.

K. Kim and B. Prabhakar, "Initial trust, perceived risk, and the adoption of internet banking," in Proceedings of the twenty first international conference on Information systems, 2000, pp. 537-543.

S. L. Jarvenpaa, N. Tractinsky, and L. Saarinen, "Consumer trust in an internet store: a cross‐cultural validation," Journal of Computer‐Mediated Communication, vol. 5, pp. 0-0, 1999.

J. Mou, D.-H. Shin, and J. F. Cohen, "Trust and risk in consumer acceptance of e-services," Electronic Commerce Research, pp. 1-34, 2015.

W.-J. Jih, S.-Y. Wong, and T.-B. Chang, "Effects of perceived risks on adoption of Internet banking services: an empirical investigation in Taiwan," International Journal of E-Business Research (IJEBR), vol. 1, pp. 70-88, 2005.

M. S. Featherman, A. D. Miyazaki, and D. E. Sprott, "Reducing online privacy risk to facilitate e-service adoption: the influence of perceived ease of use and corporate credibility," Journal of Services Marketing, vol. 24, pp. 219-229, 2010.

Artikel Statistik

Abstrak telah dilihat : 451 kali
PDF (English) telah dilihat : 253 kali


  • Saat ini tidak ada refbacks.

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.


Alamat Redaksi :
Jurusan Sistem Informasi, Fakultas Teknologi Informasi
Universitas Andalas
Kampus Limau Manis, Padang 25163, Sumatera Barat


  Jumlah Pengunjung :


Creative Commons License
This work by JSI-Unand and licensed under a CC BY-SA 4.0 International License.