Biblio

In online payment, customers must transmit their personal and financial information through the website to conclude their purchase and pay the services or items selected. They may face possible fears from online transactions raised by their risk perception about financial or privacy loss. They may have concerns over the payment decision with the possible negative behaviors such as shopping cart abandonment. Therefore, customers have three major players that need to be addressed in online payment: the online seller, the payment page, and their own perception. However, few studies have explored these three players in an online purchasing environment. In this paper, we focus on the customer concerns and examine the antecedents of trust, payment security perception as well as their joint effect on two fundamentally important customers' aspects privacy concerns and financial fear perception. A total of 392 individuals participated in an online survey. The results highlight the importance, of the seller website's components (such as ease of use, security signs, and quality information) and their impact on the perceived payment security as well as their impact on customer's trust and financial fear perception. The objective of our study is to design a research model that explains the factors contributing to an online payment decision.

Researchers and industry experts are looking at how to improve a shopper's experience and a store's revenue by leveraging and integrating technologies at the edges of the network, such as Internet-of-Things (IoT) devices, cloud-based systems, and mobile applications. The integration of IoT technology can now be used to improve purchasing incentives through the use of electronic coupons. Research has shown that targeted electronic coupons are the most effective and coupons presented to the shopper when they are near the products capture the most shoppers' dollars. Although it is easy to imagine coupons being broadcast to a shopper's mobile device over a low-power wireless channel, such a solution must be able to advertise many products, target many individual shoppers, and at the same time, provide shoppers with their desired level of privacy. To support this type of IoT-enabled shopping experience, we have designed Aggio, an electronic coupon distribution system that enables the distribution of localized, targeted coupons while supporting user privacy and security. Aggio uses cryptographic mechanisms to not only provide security but also to manage shopper groups e.g., bronze, silver, and gold reward programs) and minimize resource usage, including bandwidth and energy. The novel use of cryptographic management of coupons and groups allows Aggio to reduce bandwidth use, as well as reduce the computing and energy resources needed to process incoming coupons. Through the use of local coupon storage on the shopper's mobile device, the shopper does not need to query the cloud and so does not need to expose all of the details of their shopping decisions. Finally, the use of privacy preserving communication between the shopper's mobile device and the CouponHubs that are distributed throughout the retail environment allows the shopper to expose their location to the store without divulging their location to all other shoppers present in the store.