Security concerns and trust in the adoption of m-commerce ; Saugumo klausimai ir pasitikėjimas įsisavinant mobilią komerciją
This work is of theoretical and practical importance, that is, generation of new knowledge associated with mobile commerce adoption in terms of security concerns and trust which will help not only future researchers but also e-businesses. Despite the fact researchers have examined the adoption of m-commerce in a holistic way, the author found there was no research focusing solely and in-depth on the determinants of trust and perceived risk. The problem was to examine how the above determinants affect the intention to adopt m-commerce. The objects are mobile commerce, security concerns and trust. The purpose of this study is twofold, namely, empirical and explanatory. As for the objectives, it was necessary to review the literature, propose a research model, analyze the results, and verify or reject the proposed hypotheses. When it comes to the hypotheses, there was a test on whether trust, perceived risk, perceived usefulness, and perceived ease of use negatively or positively affect the constructs of the proposed model. The author used theoretical and empirical collection methods. As for the theoretical ones, analogy, generalization and modeling methods were used. Concerning the empirical ones, due to the fact that quantitative approach was chosen, a survey instrument, that is, questionnaire was used. After the results had been collected, SPSS 22 was used to perform descriptive data analysis of Likert summative scales. At last, the results along with the research limitations were discussed. The final outcome of this study was to confirm all the proposed hypotheses. As for the conclusions, the perception of risk in terms of privacy, m-payments, m-commerce legislation and quality of delivered products has negative effect in the intention to use mobile commerce. Additionally, trust elements such as good reputation, enticing promises, good encryption security and transparency, reduce the perception of risk and increase the intention to use m-commerce. Also, the availability of policies that are easy to understand and find, has positive effect in the intention to use m-commerce. Last, but not least, when customers feel free of risks and have high level of trust in the intention to use mobile commerce they actually adopt it.