Drawing on a valence framework and innovation diffusion theory,this study examines Yuebao deployment to model consumers’intention to use financial products offered online.We collect data via an online survey among a ...Drawing on a valence framework and innovation diffusion theory,this study examines Yuebao deployment to model consumers’intention to use financial products offered online.We collect data via an online survey among a young age bracket and use a VisualPLS graphic interface to test our model.The results indicate that first,compatibility and advantages in relative utility significantly enhance consumers’use intentions and that ease of use has an indirect influence.Second,the negative utility of perceived risk no longer significantly affects intention to use.This mainly lies in consumers’perceived risk focused on the security of online financial products,which has become a part of all online transactions.Third,trust indirectly affects intention to use by influencing utility.展开更多
An optimization model is proposed to analyze the optimal review revelation policies and consumer online social network management strategies of e-commerce firms.The results show that displaying friend reviews to consu...An optimization model is proposed to analyze the optimal review revelation policies and consumer online social network management strategies of e-commerce firms.The results show that displaying friend reviews to consumers does not necessarily increase firms profits.Only when positive reviews account for a large proportion of all the reviews and when the cost of showing friend reviews is not high,can showing friend reviews be more profitable than not showing such information.The distribution of social ties among consumers can affect firms profits.Even in the case that showing friend reviews to consumers is more profitable,an increase in the proportion of strong ties is not necessarily beneficial to firms.Only when the proportion of positive reviews is large enough,can firms profits increase with the increase in the proportion of strong ties among consumers.Moreover,the degree of consumer distrust in the average quality rating can also affect firms strategies for managing consumer online social networks.As the degree of consumer distrust in the average quality rating rises,firms are more likely to obtain higher profits by taking measures to increase the proportion of strong ties among consumers on their websites.展开更多
基金the National Natural Science Foundation of China(71571139 and 71171153).
文摘Drawing on a valence framework and innovation diffusion theory,this study examines Yuebao deployment to model consumers’intention to use financial products offered online.We collect data via an online survey among a young age bracket and use a VisualPLS graphic interface to test our model.The results indicate that first,compatibility and advantages in relative utility significantly enhance consumers’use intentions and that ease of use has an indirect influence.Second,the negative utility of perceived risk no longer significantly affects intention to use.This mainly lies in consumers’perceived risk focused on the security of online financial products,which has become a part of all online transactions.Third,trust indirectly affects intention to use by influencing utility.
基金The National Social Science Foundation of China(No.17BGL196).
文摘An optimization model is proposed to analyze the optimal review revelation policies and consumer online social network management strategies of e-commerce firms.The results show that displaying friend reviews to consumers does not necessarily increase firms profits.Only when positive reviews account for a large proportion of all the reviews and when the cost of showing friend reviews is not high,can showing friend reviews be more profitable than not showing such information.The distribution of social ties among consumers can affect firms profits.Even in the case that showing friend reviews to consumers is more profitable,an increase in the proportion of strong ties is not necessarily beneficial to firms.Only when the proportion of positive reviews is large enough,can firms profits increase with the increase in the proportion of strong ties among consumers.Moreover,the degree of consumer distrust in the average quality rating can also affect firms strategies for managing consumer online social networks.As the degree of consumer distrust in the average quality rating rises,firms are more likely to obtain higher profits by taking measures to increase the proportion of strong ties among consumers on their websites.
