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A Comprehensive Model of Perceived Risk of E-Commerce Transactions

Glover, Steven, Benbasat, Izak·2010·International Journal of Electronic Commerce

DOI 10.2753/jec1086-4415150202

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Abstract

Perceived risk is an important construct in e-commerce research, but it has not been approached in a manner sufficiently systematic, comprehensive, or detailed to be understood along multiple dimensions instructive for information systems designers. This paper fills the gap by proposing a model of perceived risk based on a well-established marketing theory of risk. It identifies events that expose consumers to harm in e-commerce transactions and measures the dimensions of perceived risk with rigorously developed formative indicators that incorporate the almost unlimited range of unwanted events of potential concern to consumers. This risk construct is placed in a nomological network and tested through an on-line field study of 411 participants aggregated with structural equation modeling. Test results show that the construct e-commerce transaction perceived risk is an aggregate factor with three dimensions: risk of functionality inefficiency, risk of information misuse, and risk of failure to gain product benefit.

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Authors: Glover, S., & Benbasat, I.
Affiliations: Royal Roads University (CA)
University of British Columbia (CA)
ORCID: Benbasat, Izak
Venue: International Journal of Electronic Commerce
Publisher: Informa UK Limited
Published: 2010-12
Volume: 15
Issue: 2
Pages: 47-78
ISSN: 1086-4415 (ISSN-L)
1557-9301
DOI: 10.2753/jec1086-4415150202
OpenAlex: W1972903596
Cited by: 196
References: 65
Citations by year: 2026: 7 · 2025: 7 · 2024: 17 · 2023: 20 · 2022: 17 · 2021: 15 · 2020: 14 · 2019: 12 · 2018: 13 · 2017: 11 · 2016: 10 · 2015: 17 · 2014: 10 · 2013: 13 · 2012: 9
FWCI: 18.46
Type: journal article
Language: en
Open access: closed
Locations: International Journal of Electronic Commerce (publishedVersion)
Topics: Social Sciences › Decision Sciences › Information Systems and Management › Technology Adoption and User Behaviour
Social Sciences › Sociology and Political Science › Privacy, Security, and Data Protection
Social Sciences › Business, Management and Accounting › Marketing › Customer Service Quality and Loyalty
Keywords: risk perception, e-commerce transactions, consumer risk perception, risk dimensions, formative indicators, nomological network, consumer harm

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A Comprehensive Model of Perceived Risk of E-Commerce Transactions

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