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International Journal of Information Management
journal homepage: www.elsevier.com/locate/ijinfomgt
A meta-analysis of antecedents and consequences of trust in mobile
commerce
Subhro Sarkar
a
, Sumedha Chauhan
b,
⁎
, Arpita Khare
a
a
Indian Institute of Management Rohtak, Haryana, India
b
O.P. Jindal Global University, Sonipat, Haryana, India
ARTICLE INFO
Keywords:
m-commerce
Trust
Meta-analysis
Review
Culture
mobile
ABSTRACT
Awareness of antecedents and consequences of trust in m-commerce can enable m-commerce service providers
to design suitable marketing strategies. Present study conducted a meta-analysis of 118 related empirical studies.
The results indicate that antecedents namely perceived usefulness, perceived ease of use, system quality, in-
formation quality, service quality, user interface, perceived risk, perceived security, structural assurance, ubi-
quity, and disposition to trust, while consequences namely attitude, user satisfaction, behavioral intention, and
loyalty have significant relationship with trust in m-commerce. Further, all the relationships were found to be
moderated by culture except perceived ease of use, disposition to trust, and attitude.
1. Introduction
The growing popularity of mobile devices and the proliferation of
mobile technologies, has led to the emergence of mobile commerce (m-
commerce) as a new business phenomenon (Zheng, Men, Yang, & Gong,
2019). M-commerce refers to the business activities conducted through
Internet-enabled mobile devices (Ko, Kim, & Lee, 2009). Compared to
electronic commerce, m-commerce offers a unique set of advantages
such as instantaneity, ubiquity, localization, personalization, and
identification (Wang, Ngamsiriudom, & Hsieh, 2015). However, the
apparent benefits of Internet-enabled transactions are sometimes
countered by fear and anxiety, which could result in potential buyers'
unwillingness and reluctance to engage in online transactions (Jaradat,
Moustafa, & Al-Mashaqba, 2018).
Consumer trust has been observed as one of the most significant
predictors to m-commerce adoption as it strongly determines its success
(Koksal, 2016; Rana, Barnard, Baabdullah, Rees, & Roderick, 2019).
Liébana-Cabanillas, Marinkovic, and Kalinic (2017) argued that the
lack of trust is one of the key reasons behind buyers’ reluctance to
purchase online. Therefore, m-commerce providers need to understand
the factors influencing consumers’ trust in m-commerce as it would
enable them to design suitable marketing strategies leading to higher
m-commerce adoption rates (Liébana-Cabanillas et al., 2017; Wang
et al., 2015). M-commerce differs from traditional e-commerce in terms
of its user interface and its associated risk, interactivity, ubiquity, lo-
calization services, and usage patterns (Wang, Ou, & Chen, 2019). M-
commerce suffers from inherent limitations of small screen size, display
of information, and security of transactions; nevertheless, it also pro-
vides opportunities for making transactions on the go (Rana et al.,
2019). Ozok and Wei (2010) posits that the m-commerce comes with
usability issues and restrictions. Therefore, the factors influencing trust
and the consequences of trust might differ across these platforms.
Many scholars have examined the antecedents and consequences of
trust in m-commerce (Al-Jabri, 2015; Chin, Harris, & Brookshire, 2018;
Hajiheydari & Ashkani, 2018; Nel & Boshoff, 2017; Ofori, Boakye, &
Narteh, 2018; Silic & Ruf, 2018; Zhou, 2011e). Antecedents of trust
determine the extent to which various factors influence trust in m-
commerce, while consequences of trust determine the extent to which
trust in m-commerce influences consumers' intention to use, or continue
to use the service (Pavlou, 2003).
Empirical research involving trust in m-commerce has produced
inconsistent results. For example, Koenig‐Lewis, Palmer, and Moll
(2010) suggested that there is an indirect relationship between trust
and customers' behavioral intention to use mobile banking,
Hanafizadeh, Behboudi, Abedini, Jalilvand, and Tabar (2014) found
evidence for the direct effect of trust on mobile banking adoption. In the
context of mobile wallets, Kumar, Adlakaha, and Mukherjee (2018)
found that perceived usefulness has an insignificant effect on trust.
However, many scholars found a significant effect of perceived use-
fulness on trust (Afshan & Sharif, 2016; Oliveira, Faria, & Abraham,
2014). Mixed findings were reported on the relationship between per-
ceived ease of use and trust (Afshan & Sharif, 2016; Gu, Lee, & Suh,
https://doi.org/10.1016/j.ijinfomgt.2019.08.008
Received 6 March 2019; Received in revised form 11 August 2019; Accepted 23 August 2019
⁎
Corresponding author.
E-mail addresses: subhros.nita@gmail.com (S. Sarkar), sumedha.chauhan@gmail.com (S. Chauhan), khare.arpita@gmail.com (A. Khare).
International Journal of Information Management 50 (2020) 286–301
0268-4012/ © 2019 Elsevier Ltd. All rights reserved.
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