# A Study on the Factors That Influence the Consumers Trust on Ecommerce Adoption

**Authors:** Yi Yi Thaw, Ahmad Kamil Mahmood, P. Dhanapal Durai Dominic  
**arXiv:** [0909.1145](https://arxiv.org/abs/0909.1145)  
**Date:** 2009-09-07  
**Summary page:** https://www.summarizepaper.com/en/paper/0909.1145v1/

## Key points

- Anonymity
- Uncertainty
- Lack of control
- Potential opportunism
- Importance of prioritizing security and privacy for consumers' sensitive personal data
- Lack of acceptance in e-commerce adoption is not solely due to security and privacy concerns, but also a lack of trust and reliability in web vendors
- Trust plays a pivotal role in online transactions and impacts the growth and development of electronic commerce
- Security risks faced by consumers in Business to Consumer (B2C) e-commerce
- Study aims to address the role of security, privacy, and risk perceptions on consumers' willingness to shop online
- Findings indicate that perceived privacy indirectly affects trust through perceived security during online transactions
- Consumers' trust in online transactions is significantly associated with the trustworthiness of web vendors
- Consumers' trust is negatively correlated with perceived risks in online transactions
- No significant impact observed from perceived security and perceived privacy on trust in online transactions
- Importance of addressing consumer concerns related to security, privacy, trustworthiness of web vendors, and perceived risks when promoting e-commerce adoption

## Summary

The development of electronic commerce has been marked by various challenges such as anonymity, uncertainty, lack of control, and potential opportunism. To ensure its success, prioritizing security and privacy for consumers' sensitive personal data is crucial. However, the lack of acceptance in e-commerce adoption today is not solely due to concerns about security and privacy but also stems from a lack of trust and reliability in web vendors. Trust plays a pivotal role in online transactions as it directly impacts the continuous growth and development of electronic commerce. In Business to Consumer (B2C) e-commerce, consumers are exposed to a range of security risks through their engagement with various technologies. This study aims to address the role played by security, privacy, and risk perceptions in influencing consumers' willingness to shop online and establish a consensus among them. The research variables were analyzed using descriptive frequencies along with factor analysis and Pearson correlation coefficients. The findings indicate that perceived privacy during online transactions indirectly affects trust through perceived security. Additionally, consumers' trust in online transactions is significantly associated with the trustworthiness of web vendors. Furthermore, consumers' trust is negatively correlated with perceived risks in online transactions. However, there was no significant impact observed from perceived security and perceived privacy on trust in online transactions. Overall, this study highlights the importance of addressing consumer concerns related to security, privacy, trustworthiness of web vendors,and perceived risks when promoting e-commerce adoption. By understanding these factors better,businesses can work towards building consumer trust and ensuring secure online transactions.