Please use this identifier to cite or link to this item:
http://hdl.handle.net/10071/32149
Author(s): | Chang, W.-L. Benson, V. Pereira, R. |
Date: | 2024 |
Title: | Revisiting mobile payment risk-reduction strategies: A cross-country analysis |
Journal title: | Journal of Organizational Computing and Electronic Commerce |
Volume: | N/A |
Reference: | Chang, W.-L., Benson, V., & Pereira, R. (2024). Revisiting mobile payment risk-reduction strategies: A cross-country analysis. Journal of Organizational Computing and Electronic Commerce. https://doi.org/10.1080/10919392.2024.2386755 |
ISSN: | 1091-9392 |
DOI (Digital Object Identifier): | 10.1080/10919392.2024.2386755 |
Keywords: | Mobile payment Risk-reduction Cyber threats Technology trust Privacy concerns Taiwan Mozambique UK |
Abstract: | Mobile payment risk has become a critical cybersecurity factor in the cashless society. The outbreak of COVID-19 helped proliferate mobile payments that also bring significant risks to users. Using AI methods, this study analyzed six dimensions of mobile payment risks (financial, privacy, performance, psychology, time, and security) in a survey of 748 respondents from three countries (UK, Taiwan, and Mozambique). The decision tree method was employed to identify and analyze critical perceived risks. The ANOVA test provided insights on the perceived risks between countries. The ANOVA test showed that UK users were concerned about financial and time risks; those in Mozambique were concerned about performance, psychological, and security risks; and those in Taiwan were concerned about privacy risks. The results revealed that decision trees outperformed other methods (such as neural networks, logistic regression, support vector machine (SVM), random forest, and Naïve Bayes models). Performance risk (Taiwan and Mozambique) and security risk (UK) are the most significant factors. Cultural differences influence mobile payment risk perception in different countries. The risk-reduction strategies were also matched to the critical factors by the decision tree. This showed that simplification and risk-sharing strategies were the major tactics in all three countries. The clarification strategy works for Taiwan and Mozambique, which focuses on the benefits of using mobile payments. The results suggest that enterprises should improve and simplify the mobile payment process and collaborate with the third parties to reduce and share cybersecurity risk. |
Peerreviewed: | yes |
Access type: | Embargoed Access |
Appears in Collections: | BRU-RI - Artigos em revistas científicas internacionais com arbitragem científica |
Files in This Item:
File | Size | Format | |
---|---|---|---|
article_104884.pdf Restricted Access | 1,39 MB | Adobe PDF | View/Open Request a copy |
Items in DSpace are protected by copyright, with all rights reserved, unless otherwise indicated.