Towards a theoretical framework of determinants for the adoption and diffusion of buyer authenticated credit card payment programs: the online merchant's perspective

Ally, Mustafa and Toleman, Mark (2004) Towards a theoretical framework of determinants for the adoption and diffusion of buyer authenticated credit card payment programs: the online merchant's perspective. In: IEEE International Conference on E-Commerce Technology 2004, 6-9 Jul 2004, San Diego.

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Abstract

[Abstract]: This study employs Rogers' framework of perceived innovation attributes augmented by environmental influences and marketing initiatives and a new factor developed for this study, namely, risk mitigation measures, to examine the case of merchant adoption of buyer authenticated credit card payment programs (BACCPPs). Recently introduced by the major credit card associations as replacements for the decommissioned SET and 3DSET protocols, the new payment models, 3DSecure and UCAF/SPA, have been designed to provide an added level of security for merchants and consumers. Using data gleaned from preliminary interviews, discussion forums and promotional material, we present a critical analysis of the potential barriers and facilitators that impact on the widespread diffusion of these programs. This is used as the basis for developing a preliminary theoretical framework of the potential determinants of adoption of BACCPP from the perspective of online merchants, as well as a survey instrument to demonstrate the empirical validity of our theoretical formulation.


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Item Type: Conference or Workshop Item (Commonwealth Reporting Category E) (Paper)
Refereed: Yes
Item Status: Live Archive
Additional Information: Deposited in accordance with the copyright policy of the publisher. This material is presented to ensure timely dissemination of scholarly and technical work. Copyright and all rights therein are retained by authors or by other copyright holders. All persons copying this information are expected to adhere to the terms and constraints invoked by each author's copyright. In most cases, these works may not be reposted without the explicit permission of the copyright holder. Copyright 2008 IEEE. Personal use of this material is permitted. However, permission to reprint/republish this material for advertising or promotional purposes or for creating new collective works for resale or redistribution to servers or lists, or to reuse any copyrighted component of this work in other works must be obtained from the IEEE. Published version also can be found at: http://ieeexplore.ieee.org/stamp/stamp.jsp?tp=&arnumber=1319756&isnumber=29236
Depositing User: Mrs Rae Jones
Faculty / Department / School: Historic - Faculty of Business - Department of Information Systems
Date Deposited: 02 Aug 2009 06:02
Last Modified: 02 Jul 2013 23:17
Uncontrolled Keywords: credit transactions, electronic commerce, message authentication, risk analys, 3DSET protocols, 3DSecure, Rogers framework, SET protocol, UCAF-SPA, buyer authenticated credit card payment programs, consumers security, credit card associations, critical analysis, environmental influences, merchant adoption, merchants security, online merchant perspective, payment models, perceived innovation attributes
Fields of Research (FOR2008): 08 Information and Computing Sciences > 0804 Data Format > 080402 Data Encryption
15 Commerce, Management, Tourism and Services > 1503 Business and Management > 150399 Business and Management not elsewhere classified
Socio-Economic Objective (SEO2008): B Economic Development > 89 Information and Communication Services > 8902 Computer Software and Services > 890299 Computer Software and Services not elsewhere classified
URI: http://eprints.usq.edu.au/id/eprint/5166

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