伦理视角下的电子支付信任研究综述
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摘要
与互联网金融和电子支付产业的飞速发展相比,关于电子支付的伦理问题应该是一个比较新的研究主题。近年来,国内外很多学者都对信任及其伦理内涵、电子商务信任、第三方支付平台可信度等进行了深入地分析,并从实证与技术的角度对消费者信任心理的影响因素、机制构建等进行了拓展。但对于电子支付信任问题的研究,在立足跨学科综合视角、时代背景动态契合、研究主题深化、形而上与形而下之共同观照等方面,仍可深入。
Compared with the rapid development of Internet finance and electronic payment industry, the ethical issue of electronic payment should be a relatively new research topic. In recent years, many scholars at home and abroad have conducted in-depth analysis of trust and its ethical connotation, e-commerce trust, and credibility of third-party payment platforms, and expanded the influencing factors and mechanism construction of consumer trust psychology from the perspective of evidence and technology. However, the research on the issue of electronic payment trust can still be deepened in terms of comprehensive interdisciplinary perspective, dynamic integration of the background of the times, deepening of research topics, and mutual care of metaphysical and metaphysical aspects.
Compared with the rapid development of Internet finance and electronic payment industry, the ethical issue of electronic payment should be a relatively new research topic. In recent years, many scholars at home and abroad have conducted in-depth analysis of trust and its ethical connotation, e-commerce trust, and credibility of third-party payment platforms, and expanded the influencing factors and mechanism construction of consumer trust psychology from the perspective of evidence and technology. However, the research on the issue of electronic payment trust can still be deepened in terms of comprehensive interdisciplinary perspective, dynamic integration of the background of the times, deepening of research topics, and mutual care of metaphysical and metaphysical aspects.
引文
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[2]陈明亮,等.初始网络信任和持续网络信任形成与作用机制比较[J].科研管理,2008(5):187-195.
[3]杨光明,等.移动商务消费者初始信任影响因素的实证研究[J].情报杂志,2009(7):175-179.
[4]王曙光,等.互联网金融的网络信任:形成机制、评估与改进——以P2P网络借贷为例[J].金融监管研究,2014(5):67-76.
[6]赵越岷,等.虚拟社区中消费者信息共享行为影响因素的实证研究[J].管理学报,2010(10):1490-1494,1501.
[7]尹进,等.基于主观逻辑方法的消费者多源信任融合模型[J].管理科学,2017(3):75-82.
[8]李钢,凌霞.移动电子支付用户隐私感知的前因量表设计[J].统计与决策,2017(16):67-70.
[9]杨青,等.消费者网络信任与网上支付风险感知实证研究[J].统计研究,2011(10):89-97.
[10]秦垚.电子支付接受行为影响因素实证研究[D].昆明理工大学,2010.
[11]刘家乐.电信运营商信誉对消费者移动支付的分析[J].北京邮电大学学报(社会科学版),2011(3):72-75,102.
[12]漆正丽.网上支付的使用影响因素和实证研究——基于电子商务网站下个人消费者的视角[D].复旦大学,2012.
[13]靳学银,等.我国第三方电子支付业初探[J].改革与战略,2012(7):67-71.
[14]谈毅.第三方支付核心竞争力是什么[J].人民论坛,2017(20):70-72.
[15][18][27]D J.Kim,Yong I.Song,S.B.Braynov,H.R.Rao.A Multi-dimensional Trust Formation Model in B-to-C E-Commerce:a Conceptual Framework and Content Analyses of Academia/Practitioner Perspective[J].Decision Support Systems,2005(40):143-165.
[16][21][28]Ye Diana Wang,Henry H.Emurian.An overview of online trust:Concepts,Elements,and Implications[J].Comptuers in Human Behavior,2005(33):105-125.
[17]弗朗西斯·福山.信任:社会美德与创造经济繁荣[M].彭志华,译.海口:海南出版社,2001.
[19]G.L.Urban,F.Sultan,W.J.Qualls.Placing trust at the center of your Internet strategy[J].Sloan Management Review,2000(1):39–48.
[20]P.Grabosky.The nature of trust online[J].The Age,2001:1-12.
[22]Mc Knight D.H.,Cummings L.L.,and Chervany N.L.Initial trust formation in new organizational relationships[J].Academy of Management Review,1998(3):473-490.
[23]Warrington T B,Abgrab N J and Caldwell H M.Building Trust to Develop Competitive Advantage in E-business Relationships[J].Competitive Review,2000(2):160-168.
[24]David Gefen,Izak Benbasat,and Paul A.Pavlou.A Research Agenda for Trust in Online Environments[J].Journal of Management Information Systems,2008(4):275-286.
[25]Siau K.,Sheng H.&Nah F.Development of framework for trust in mobile commerce[C].Paper presented at the Second Annual Workshop on HCI Reserch in MIS,2003(12):12-13.
[26]Anthony Vance,Christophe Elie-Dit-Cosaque,Detmar W.Straub.Examining Trust in Information Technology Artifacts:The Effects of System Quality and Culture[J].Journal of Management Information Systems,2008(4):73-100.
[29]David Gefen,Detmar W.Straub.Consumer trust in B2C eCommerce and the importance of social presence:experiments in eProducts and e-Services[J].Omega,2004(1):407-424.
[30]Paul A.Pavlou.Consumer Acceptance of Electronic Commerce:Integrating Trust and Risk with the Technology Acceptance Model[J].International Journal of Electronic Commerce,2003(3):101-134.
[31]Ing-Long Wu,Jian-Liang Chen.An extension of Trust and TAM model with TPB in the initial adoption of on-line tax:An empirical study[J].International Journal of Human-Computer Studies,2005(6):784-808.
[32]Audun Jφsang,Roslan Ismail,Colin Boyd.A Survey of Trust and Reputation Systems for Online Service Provision[J]Preprint of article published in Decision Support Systems,2007(2):618-644.
[33]Patricia M.Doney and Joseph P.Cannon:An Examination of the Nature of Trust in Buyer-Seller Relationships[J].Joural of Marketing,1997(2):35-51.
[34]NASSER N.Increase Trust through the Use of 3D Ecommerce Enviroment[J].Joural of Marketing,1997(4):35-51.
[35]Dan J.Kim,Donald L.Ferrin,H.Raghav Rao.A trustbased consumer decision-making model in electronic commerce:The role of trust,perceived risk,and their antecedents[J].Decision Support Systems,2008(44):544-564.
[2]陈明亮,等.初始网络信任和持续网络信任形成与作用机制比较[J].科研管理,2008(5):187-195.
[3]杨光明,等.移动商务消费者初始信任影响因素的实证研究[J].情报杂志,2009(7):175-179.
[4]王曙光,等.互联网金融的网络信任:形成机制、评估与改进——以P2P网络借贷为例[J].金融监管研究,2014(5):67-76.
[6]赵越岷,等.虚拟社区中消费者信息共享行为影响因素的实证研究[J].管理学报,2010(10):1490-1494,1501.
[7]尹进,等.基于主观逻辑方法的消费者多源信任融合模型[J].管理科学,2017(3):75-82.
[8]李钢,凌霞.移动电子支付用户隐私感知的前因量表设计[J].统计与决策,2017(16):67-70.
[9]杨青,等.消费者网络信任与网上支付风险感知实证研究[J].统计研究,2011(10):89-97.
[10]秦垚.电子支付接受行为影响因素实证研究[D].昆明理工大学,2010.
[11]刘家乐.电信运营商信誉对消费者移动支付的分析[J].北京邮电大学学报(社会科学版),2011(3):72-75,102.
[12]漆正丽.网上支付的使用影响因素和实证研究——基于电子商务网站下个人消费者的视角[D].复旦大学,2012.
[13]靳学银,等.我国第三方电子支付业初探[J].改革与战略,2012(7):67-71.
[14]谈毅.第三方支付核心竞争力是什么[J].人民论坛,2017(20):70-72.
[15][18][27]D J.Kim,Yong I.Song,S.B.Braynov,H.R.Rao.A Multi-dimensional Trust Formation Model in B-to-C E-Commerce:a Conceptual Framework and Content Analyses of Academia/Practitioner Perspective[J].Decision Support Systems,2005(40):143-165.
[16][21][28]Ye Diana Wang,Henry H.Emurian.An overview of online trust:Concepts,Elements,and Implications[J].Comptuers in Human Behavior,2005(33):105-125.
[17]弗朗西斯·福山.信任:社会美德与创造经济繁荣[M].彭志华,译.海口:海南出版社,2001.
[19]G.L.Urban,F.Sultan,W.J.Qualls.Placing trust at the center of your Internet strategy[J].Sloan Management Review,2000(1):39–48.
[20]P.Grabosky.The nature of trust online[J].The Age,2001:1-12.
[22]Mc Knight D.H.,Cummings L.L.,and Chervany N.L.Initial trust formation in new organizational relationships[J].Academy of Management Review,1998(3):473-490.
[23]Warrington T B,Abgrab N J and Caldwell H M.Building Trust to Develop Competitive Advantage in E-business Relationships[J].Competitive Review,2000(2):160-168.
[24]David Gefen,Izak Benbasat,and Paul A.Pavlou.A Research Agenda for Trust in Online Environments[J].Journal of Management Information Systems,2008(4):275-286.
[25]Siau K.,Sheng H.&Nah F.Development of framework for trust in mobile commerce[C].Paper presented at the Second Annual Workshop on HCI Reserch in MIS,2003(12):12-13.
[26]Anthony Vance,Christophe Elie-Dit-Cosaque,Detmar W.Straub.Examining Trust in Information Technology Artifacts:The Effects of System Quality and Culture[J].Journal of Management Information Systems,2008(4):73-100.
[29]David Gefen,Detmar W.Straub.Consumer trust in B2C eCommerce and the importance of social presence:experiments in eProducts and e-Services[J].Omega,2004(1):407-424.
[30]Paul A.Pavlou.Consumer Acceptance of Electronic Commerce:Integrating Trust and Risk with the Technology Acceptance Model[J].International Journal of Electronic Commerce,2003(3):101-134.
[31]Ing-Long Wu,Jian-Liang Chen.An extension of Trust and TAM model with TPB in the initial adoption of on-line tax:An empirical study[J].International Journal of Human-Computer Studies,2005(6):784-808.
[32]Audun Jφsang,Roslan Ismail,Colin Boyd.A Survey of Trust and Reputation Systems for Online Service Provision[J]Preprint of article published in Decision Support Systems,2007(2):618-644.
[33]Patricia M.Doney and Joseph P.Cannon:An Examination of the Nature of Trust in Buyer-Seller Relationships[J].Joural of Marketing,1997(2):35-51.
[34]NASSER N.Increase Trust through the Use of 3D Ecommerce Enviroment[J].Joural of Marketing,1997(4):35-51.
[35]Dan J.Kim,Donald L.Ferrin,H.Raghav Rao.A trustbased consumer decision-making model in electronic commerce:The role of trust,perceived risk,and their antecedents[J].Decision Support Systems,2008(44):544-564.