Term Report Submitted by: 1. 2. 3. 4. 5. Abdulrehman Bappi Moazzam Khan Hamna Bodla Arsla Zain Liaqat Roll No 07 Roll No 18 Roll No 08 Roll No 09 Roll No 06 Submitted to: Dr. Nosheen Sarwat BAHAUDIN ZAKARYA UNIVERSITY MULTAN Table of Contents Introduction: .....................................................................................................................................3 Problem Statement ............................................................................................................................4 Literature Review ..............................................................................................................................6 Hypothesis: - ............................................................................................................................................. 8 Research Methodology: .....................................................................................................................9 Demographics ......................................................................................................................................... 10 Data Analysis ................................................................................................................................... 11 Reliability:................................................................................................................................................ 12 Regression ............................................................................................................................................... 14 Hypothesis Testing .................................................................................................................................. 18 Findings, Limitations and Future Research: - ..................................................................................... 18 References....................................................................................................................................... 19 APPENDIX A: Construct Measures ..................................................................................................... 22 Appendix B: Reliability of Scale Item................................................................................................. 23 Appendix C: Frequency Table ........................................................................................................... 23 Introduction: This article is about factors influencing consumer satisfaction and consumer loyalty in ecommerce. There are various factors which could lead to a satisfied customer. People have different experiences of online shopping. Different perspectives have led to various factors building customer satisfaction for the products and the loyalty associated with a particular ecommerce brand. The various factors which contribute to consumer satisfaction and loyalty are website user interface or UI/UX, website information quality service, perceived security and privacy and product quality offered in online shopping experience. These are the factors which lead to customer satisfaction which in turn lead to customer loyalty. The consumers face a problem while handling an online transaction as they are unaware of the security risks involved with the transaction and thus, they are reluctant sometimes to purchase a product and that is one of the key issues of this research. Our research objective is to find solution for this problem. The previous knowledge about this issue addresses the scope of this research in the west while we are conducting this research in Pakistan to find the differences in the culture and the position of ecommerce business in Pakistan and the Asian region. As e-commerce is the emerging business in Pakistan and the Asian region. Most of the businesses are shifting to their online presence. So, it is necessary to find the factors that will contribute to a satisfied consumer. That is the very purpose of this research so that businesses in Pakistan could be more successful as people find it easy to get their desired product on their doorstep. That is why e-commerce is becoming more and more successful in not only Pakistan but also in other regions of the world as well. Problem Statement The fast growth of online shopping has made it very easy for people to buy things. However, this change comes with many issues about keeping information private that really affect how much customers trust the stores. Things people worry about when it comes to e-shopping websites include how they're made and working. This includes the part you interact with; security problems and what information service is given out by these sites. The user interface, where we first start to interact with something. It's very important in determining customer feelings and belief towards it. A clear and easy-to-use screen can make people feel sure, but a badly made one might cause doubt about how personal information is handled. At the same time, there is always a big danger of security issues on the e-commerce scene. When people put important information on websites, it becomes very important for those sites to be secure. This makes users more confident in using them safely. The chance of money or personal info being stolen, fake names used and getting attacked on the internet increases worry. It makes people less likely to do online buying and share own details out with others from not thinking can be secure enough for them as they don't know who is good or bad anymore because anyone could cause problems sometimes so there are more uncertainties nowadays that make it harder than so, website security is very important for the connection between e-commerce privacy and keeping customers happy. In addition, the giving of information services on e-commerce websites makes things more complicated. People use these platforms not only for doing business but also to get clear and honest information about data practices. Confusing rules about staying hidden, not telling people how they share information and the lack of understanding on what others do with our data can make customers worry more. The way e-commerce websites manage, share and talk about information services becomes very important in deciding how loyal customers stay. E-commerce private worries include three things: the way you use it, safety issues and sharing of data. These all have connections with each other in online shopping privacy concerns field. A clear and easy-to-use user interface, together with strong protection for data, makes users feel more comfortable about their information being managed. Clear and honest information services that focus on the user help to grow trust and loyalty. On the other hand, not having enough of any of these parts can cause customers to lose their trust. This then hurts loyalty and makes them less likely to keep doing business. As technology changes, the problem grows stronger. Website features that are more complex can make the user experience better, but they can also lead to new ways for information being sadly shared. It's very important to improve website safety. We need this because new online threats are appearing and it helps protect us from them. It's important to make sure that services giving out information always stay up-to-date with rules about the law and right and wrong. This is key for creating a long-lasting online buying environment where things can grow together healthily. In the end, it's important for businesses who want to keep customers happy long-term to understand all aspects of e-commerce privacy. This includes website design and security risks as well as what kind of information they offer. Solving these many problems in a planned way will make online shopping safer and help online businesses do well for a long time. These solutions need to change as things get more digital in the future. The aim of this research is following 1- What is the impact of website Security risk on customer loyalty? 2- What is the impact of website information service on customer loyalty? 3- What is the impact of customer satisfaction on customer loyalty? Literature Review The previous literature about this research indicates that there are several factors which lead to customer satisfaction which in turn increase customer loyalty. Some of the factors are website design and layout, security risk, privacy, cash on time delivery, product quality, product information service. These factors are affecting the e-commerce businesses across the world at a large scale. Some of them definitely needs a solution. That is the very purpose of this research. If the design of the website is not attractive the customer will not feel themselves attached with the brand image and is not going to remain a loyal customer. That is why the design aspect of the website is very useful. From the past researches it has been confirmed that the website user experience is directly related to consumer trust and satisfaction which ultimately leads to consumer being loyal to that company. If the company has good website design and layout and all the important elements of the user interface are well formulated then it feels attracted to the customers and there is more retention. According to Song & Zahedi (2001) website design play a crucial role in attracting different consumers. The reason is the attractiveness and the use of websites. Also, there is a fact that websites which are more responsive are easily loved by the consumer. That is why website UI and UX should be well matched according to the consumer needs and wants. Song & Zahedi (2001) basically focuses on customer retention with the best user experience provided to them through the website. That is the reason companies now a days are trying to facilitate the customers by investing their resources in the website. By hiring highly qualified web developers for this purpose the website can increase potential sales and customer loyalty is one factor also. According to Wilson, Keni & Tan (2019) website design has a direct effect on customer retention. If the users of a particular product find the website useful and easy to use, they find it easy for them to select their chosen product in an easy manner. That is why the website design is a must element in the today’s world. From the previous researches conducted it has been seen that the security risk is yet another factor which is related with the customer satisfaction and in turn the loyalty. Chahar (2013) emphasizes on privacy and security issues faced in the e-commerce world. That is why it has become a challenge to remove the hurdles and the barrier between security concerns from the consumer side while companies facing difficulty in assuring them that the website they are using is up to the standards and meet the security issues and the risk factors associated with it. The websites using the methods of online bank transfer payments are at a greater risk of being hijacked by some unauthorized hacker and this may end in the information of the consumer being misused. Their banking information may be used to process online transfers especially if there is a huge deposit I the customer’s account Chahar (2013). The solutions for these problems are now emerging but educating consumer on security issues still lacks behind. Most of the web applications are including third-party services which pose a threat to the safe transaction of e-commerce. Many customers are still having doubt that the e-commerce websites are not safe to explore and that their private information could be leaked or hacked and used accordingly. That is why still people feel reluctant to buy the things online. Information technology is a crucial step in business especially e-commerce. That is why the information service quality displayed on the website is very important. That is why the companies now-a-days are trying to display the information displayed on their website as attractive and as useful as possible. That is why the information system overall is crucial in a successful e-commerce setup. Amazon is a pioneer in personalization of website. It suggests the consumer what they want and their required information is displayed which is not only appealing but also at the right place. Salehi & Abdollahbeigi (2012). Customer Service is harder to replicate than the layout of any website so it is crucial in the success of any e-commerce start-up. This way the companies can have their competitive advantage by providing top notch customer service. A satisfied customer leads to the customer being loyal to that specific brand. It has been observed from the previous literature that being responsive is not good enough. And companies need to pay attention to the customer needs and desires as their top most priority. Customer service is a form of crisis management. The reason is that when the customer is facing any form of problems in the product, they contact the customer service. Sun & Zhang (2015) Hypothesis: H1: As the perception of website security risk decreases, customer loyalty is expected to increase and vice versa. H2: As the perception of website security risk decreases, customer satisfaction is expected to increase and vice versa. H3: An increase in customer satisfaction will have a direct positive effect on customer loyalty. H4: Customer Satisfaction mediates the relation between website security risk and customer loyalty. H5: The increase in website information quality service will have positive impact on customer satisfaction. H6: The increase in website information quality service will have positive impact on customer loyalty. H7: The increase in customer satisfaction will have positive impact on customer loyalty. H8: Customer Satisfaction mediates the relation between website information service and customer loyalty. Research Methodology: In the research methodology section, we choose the questionnaire and conduct survey online with the help of google forms. The survey adopted a self-structured questionnaire for data collection which depicted the conceptual framework given below. Website Security Risk Customer Satisfaction Consumer Loyalty Website Information Service The questionnaire comprised of different sections. The first one was of security risk faced by the consumers while online shopping. The second section comprised of website information quality service. And the third section was about customer satisfaction and consumer loyalty in ecommerce. They were measured using a set of 15 scale items in the questionnaire (see Appendix A), adapted from previous studies but with slight modifications. All of the scale items were measured using a five-point Likert scale formatting. For example, a five-point Likert scale (1 = Strongly Disagree, 2 = Disagree, 3 = Neutral, 4= Agree, 5 = Strongly Agree) was used to measure four constructs which were WSR, WIS, CS and CL. The type of research which we used was quantitative research as it involves research through questionnaires. The unit of analysis used in this research is individual as each person is required to share his experience of online shopping with their chosen websites. The study is cross sectional as this is a one-time study and does not involve complex timings and research at various points in time. The sample size was 158 which were people of different ages sharing their experience of online shopping. Demographics The demographics of the people are listed as below Measure Age Gender Highest Qualification Item 18-25 26-35 36 & above Male Female Undergraduate Bachelors Masters & above Frequency 148 6 4 125 33 7 95 56 Percentage 93.6 3.8 2.6 78 22 4.4 60.1 35.4 In the age section of the demographics most of the respondents were male about 78% and rest were female. Similarly, most of the people had completed their bachelors and master’s degree. Respondents were 4.4% undergraduate; 60.1% bachelors and rest were master degree holder or above. Construct Definition References E-commerce Information Quality The information quality for various products Chung & Youngchan (2006) and services displayed on the e-commerce website making it easy for consumers to interact with the website more frequently and thus becoming a part of that website community. Perceived Security Risk Perception of e-commerce security issues and Badotra & Sundas (2021) their solutions. The transactions problems and the issue of hacking important information is a challenge which needs to be sorted out Customer Satisfaction with reference to the Lin (2015) online shopping experience. Whether the consumer is satisfied with the aspects of various factors associated with the ecommerce website Consumer frequency of visiting websites Othman & Faizah (2019) more frequently and in result becoming brand loyal of that particular website. Loyal consumers effect is being studied in the consumer loyalty section E-commerce Customer Satisfaction E-commerce Customer Loyalty Data Analysis In the analysis section we first calculate the frequency (mean, standard deviation) and then reliability of the data. We have to check if the data collected is reliable or not. We can measure the reliability with the help of SPSS through Cronbach alpha. If the value of Cronbach alpha is 0.7 or greater than 0.7 it means our result is reliable. First of all, we have the calculated the frequency of each variable which gives us the mean and standard deviation as well as the maximum and minimum value. The frequency of variables is listed below: Statistics IV 1 Valid IV 2 Mediator DV 158 158 158 158 0 0 0 0 3.7690 4.0538 3.2104 3.8017 1.09120 .78214 .84250 .77198 Variance 1.191 .612 .710 .596 Minimum 1.00 1.25 1.00 1.67 Maximum 5.00 5.00 5.00 5.00 N Missing Mean Std. Deviation This is the frequency table of the 4 variables. The mean of website security risk is 3.7690, website information quality is 4.0538, customer satisfaction is 3.2104, customer loyalty is 3.8017. The standard deviation is also given in the table above. IV 1 Frequency Percent Valid Percent Cumulative Percent Valid 1.00 6 3.8 3.8 3.8 1.25 6 3.8 3.8 7.6 1.50 2 1.3 1.3 8.9 1.75 1 .6 .6 9.5 2.00 3 1.9 1.9 11.4 2.50 1 .6 .6 12.0 2.75 8 5.1 5.1 17.1 3.00 9 5.7 5.7 22.8 3.25 2 1.3 1.3 24.1 3.50 16 10.1 10.1 34.2 3.75 21 13.3 13.3 47.5 4.00 7 4.4 4.4 51.9 4.25 28 17.7 17.7 69.6 4.50 11 7.0 7.0 76.6 4.75 12 7.6 7.6 84.2 5.00 25 15.8 15.8 100.0 Total 158 100.0 100.0 The rest of the details are listed in Appendix section. Reliability: The reliability for various variables is given below Website Security Risk Reliability Statistics Cronbach's Alpha .931 N of Items 4 Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected ItemTotal Correlation Cronbach's Alpha if Item Deleted The Web site has mechanism to ensure the safe transmission of its user’s information 11.24 11.432 .856 .905 The Web site has sufficient technical capacity to ensure that the data I send cannot be modified by hackers Purchasing on the Web site will not cause financial risk 11.69 11.413 .813 .917 11.21 10.918 .860 .902 The electronic payment on the Web site is safe 11.09 10.094 .837 .914 Website Information Service/Quality Reliability Statistics Cronbach's Alpha .857 N of Items 4 Customer Satisfaction Reliability Statistics Cronbach's Alpha .665 N of Items 3 Consumer Loyalty Reliability Statistics Cronbach's Alpha .771 N of Items 3 The reliability of 3 variables is above 0.7 and one of them is close to 0.7 so we can say that the data we have collected is reliable. The next step is the correlation analysis which is given below in table Correlations IV Pearson Correlation IV 1 158 .372** 1 Sig. (2-tailed) .000 N 158 158 .623** .487** Sig. (2-tailed) .000 .000 N 158 158 158 .449** .570** .249** Sig. (2-tailed) .000 .000 .002 N 158 158 158 Pearson Correlation Pearson Correlation DV DV Sig. (2-tailed) Pearson Correlation Mediator Mediator 1 N IV 2 IV 1 1 158 **. Correlation is significant at the 0.01 level (2-tailed). The data is significant at 0.01 which means that the value of p is less than 0.01 meaning the result is 99 percent accurate. The Pearson correlation of website security risk is 0.372, while website information service has a value of 0.623 and customer satisfaction having value of 0.449. All the values have two stars which means that their p value is less than 0.01 and having 99 percent accuracy. Regression Run MATRIX procedure: ***************** PROCESS Procedure for SPSS Version 4.2 ***************** Written by Andrew F. Hayes, Ph.D. www.afhayes.com Documentation available in Hayes (2022). www.guilford.com/p/hayes3 ************************************************************************** Model: 4 Y: CL X: WSR M: CS Sample Size: 158 ************************************************************************** OUTCOME VARIABLE: CS Model Summary R .6235 R-sq .3888 MSE .4367 F 99.2155 df1 1.0000 df2 156.0000 p .0000 Model constant WSR coeff 1.3961 .4814 se .1896 .0483 t 7.3637 9.9607 p .0000 .0000 LLCI 1.0216 .3859 ULCI 1.7706 .5769 ************************************************************************** OUTCOME VARIABLE: CL Model Summary R .4504 R-sq .2029 MSE .4812 F 19.7271 df1 2.0000 df2 155.0000 p .0000 Model constant WSR CS coeff 2.6696 .3396 -.0461 se .2310 .0649 .0840 t 11.5553 5.2342 -.5487 p .0000 .0000 .5840 LLCI 2.2132 .2115 -.2121 ULCI 3.1260 .4678 .1199 ************************** TOTAL EFFECT MODEL **************************** OUTCOME VARIABLE: CL Model Summary R .4487 R-sq .2013 MSE .4790 F 39.3294 df1 1.0000 df2 156.0000 p .0000 Model constant WSR coeff 2.6052 .3174 se .1986 .0506 t 13.1199 6.2713 p .0000 .0000 LLCI 2.2130 .2175 ULCI 2.9975 .4174 ************** TOTAL, DIRECT, AND INDIRECT EFFECTS OF X ON Y ************** Total effect of X on Y Effect se .3174 .0506 t 6.2713 p .0000 LLCI .2175 ULCI .4174 Direct effect of X on Y Effect se .3396 .0649 t 5.2342 p .0000 Indirect effect(s) of X on Y: Effect BootSE BootLLCI CS -.0222 .0523 -.1292 LLCI .2115 ULCI .4678 BootULCI .0773 *********************** ANALYSIS NOTES AND ERRORS ************************ Level of confidence for all confidence intervals in output: 95.0000 Number of bootstrap samples for percentile bootstrap confidence intervals: 5000 ------ END MATRIX ----The second independent variable i.e. website information service is given below Run MATRIX procedure: ***************** PROCESS Procedure for SPSS Version 4.2 ***************** Written by Andrew F. Hayes, Ph.D. www.afhayes.com Documentation available in Hayes (2022). www.guilford.com/p/hayes3 ************************************************************************** Model: 4 Y: CL X: WIR M: CS Sample Size: 158 ************************************************************************** OUTCOME VARIABLE: CS Model Summary R .4865 R-sq .2367 MSE .5452 F 48.3840 df1 1.0000 df2 156.0000 p .0000 Model constant WIR coeff 1.0858 .5241 se .3110 .0753 t 3.4910 6.9559 p .0006 .0000 LLCI .4714 .3753 ULCI 1.7002 .6729 ************************************************************************** OUTCOME VARIABLE: CL Model Summary R .5708 R-sq .3258 MSE .4070 F 37.4465 df1 2.0000 df2 155.0000 p .0000 Model constant WIR CS coeff 1.5585 .5802 -.0339 se .2790 .0745 .0692 t 5.5854 7.7870 -.4902 p .0000 .0000 .6247 LLCI 1.0073 .4330 -.1706 ULCI 2.1096 .7274 .1027 ************************** TOTAL EFFECT MODEL **************************** OUTCOME VARIABLE: CL Model Summary R .5698 R-sq .3247 MSE .4050 F 75.0180 df1 1.0000 df2 156.0000 p .0000 Model constant WIR coeff 1.5216 .5624 se .2681 .0649 t 5.6763 8.6613 p .0000 .0000 LLCI .9921 .4342 ULCI 2.0512 .6907 ************** TOTAL, DIRECT, AND INDIRECT EFFECTS OF X ON Y ************** Total effect of X on Y Effect se .5624 .0649 t 8.6613 p .0000 LLCI .4342 ULCI .6907 Direct effect of X on Y Effect se .5802 .0745 t 7.7870 p .0000 LLCI .4330 ULCI .7274 Indirect effect(s) of X on Y: Effect BootSE BootLLCI CS -.0178 .0403 -.0974 BootULCI .0639 *********************** ANALYSIS NOTES AND ERRORS ************************ Level of confidence for all confidence intervals in output: 95.0000 Number of bootstrap samples for percentile bootstrap confidence intervals: 5000 ------ END MATRIX ----- Hypothesis Testing The hypothesis testing for the variables are given below Hypothesis Independent Variable Dependent Variable Hypothesis Test Result H1 WSR CL Supported H2 WSR CS (Mediator) Supported H3 CS (Mediator) CL Not Supported H5 WIS CS Supported H6 WIS CL Supported H7 CS CL Not Supported From the table above we have found that hypothesis for website security risk and customer loyalty was supported keeping in view the positive upper-level confidence interval and lower-level confidence interval. And the beta value is between 0 and 1 which is 0.3174 that is why it is supported. The rest of the hypothesis can be seen from the table. Findings, Limitations and Future Research: From the literature review it has been found that there are various factors leading to customer satisfaction which in turn has an impact on customer loyalty. That is why these factors should be kept in mind. From our findings we analyzed that website security risk and website information service play a key role towards a satisfied customer. That is why security issues should be handled and resolved so that customers feel confident about carrying their online transactions without the risk of their information being hacked or misused. Another important factor is the information service quality portrayed by various e-commerce websites. The information about the products and services are very important as they can make a customer happy or mad. That is why the website mechanism should be operated by expert developers and if it is not the core competency of the company then it should outsource it. This factor can contribute to higher sales and thus more revenue generation at the end of the fiscal year. The limitations of this study were that in the West customer satisfaction leads to customer loyalty. However, in the environment of Pakistan we have found that not many satisfied customers become brand loyal. The reason is that the companies are diverse in their product offerings. That is why they Pakistani people shift towards brand that offers more product quality and services. They are not loyal to one brand. That is the limitation of our research. Normally a satisfied customer should become brand loyal. But that is not the case in Pakistan. The rest of the study was found to be according to the previous literature. There are same aspects in this culture and the West when it comes to website security risk and website information quality. The future of e-commerce is bright in Pakistan that is why the there should be further investigation on some of the factors such as cash on delivery and the ease of payment methods. The product quality is yet another issue emerging in Pakistani e-commerce business segments. That is why there is a further need to study this issue to discover more and more aspects of the customer satisfaction and loyalty in e-commerce. References Aslam, W., Hussain, A., Farhat, K., & Arif, I. (2019). Underlying Factors Influencing Consumers’ Trust and Loyalty in E-commerce. Business Perspectives and Research, 8(2), 227853371988745. https://doi.org/10.1177/2278533719887451 Badotra, S., & Sundas, A. (2021). OPEN ACCESS A systematic review on security of Ecommerce systems. International Journal of Applied Science and Engineering, 18(2), 2020323. https://doi.org/10.6703/IJASE.202106_18(2).010 Chen, S. C., & Dhillon, G. S. (2003). Interpreting Dimensions of Consumer Trust in ECommerce. Information Technology and Management, 4(2/3), 303–318. https://doi.org/10.1023/a:1022962631249 Chung, M., Moon, J., Yoo, B., Choe, Y., Choe, & Youngchan. (2006). Association for Information Systems AIS Electronic Library (AISeL) Paradox of Information Quality: Do Consumers Pay More for Premium Product Information on E- commerce Sites? Recommended Citation "Paradox of Information Quality: Do Consumers Pay More for Premium Product Information (p. 57). Dharmendra Chahar, D. (2013). The study of E-Commerce Security Issues and Solutions. International Journal of Advanced Research in Computer and Communication Engineering, 2(7). Eid, M. (n.d.). Eid: Determinants of E-Commerce Customer Satisfaction, Trust, and Loyalty in Saudi Arabia DETERMINANTS OF E-COMMERCE CUSTOMER SATISFACTION, TRUST, AND LOYALTY IN SAUDI ARABIA. Lin, H.-F. (2015). Customer Satisfaction in the B2C E-commerce Context, Total Quality Management & Business Excellence. Total Quality Management, 18(4), 363–378. https://doi.org/10.1080/14783360701231302 Othman, A., Faizah, L., Hassan, A., Anuar, M., Ibrahim, M., Saripin, M., … Roslan, Z. (2019). FACTORS THAT INFLUENCE CUSTOMER LOYALTY IN USING E-COMMERCE. Journal of Islamic Management Studies, 2(2), 43–58. Salehi, F., Abdollahbeigi, B., Langroudi, A. C., & Salehi, F. (2012). The Impact of Website Information Convenience on E-commerce Success of Companies. Procedia - Social and Behavioral Sciences, 57(57), 381–387. https://doi.org/10.1016/j.sbspro.2012.09.1201 Song, J., & Zahedi, F. (2001). Association for Information Systems AIS Electronic Library (AISeL) Web Design in E-Commerce: A Theory and Empirical Analysis. Sun, J., Yang, Z., Wang, Y., & Zhang, Y. (2015). Rethinking E-Commerce Service Quality: Does Website Quality Still Suffice? Journal of Computer Information Systems, 55(4), 62–72. https://doi.org/10.1080/08874417.2015.11645788 Wilson, N., Keni, K., & Tan, P. H. P. (2019). The Effect of Website Design Quality and Service Quality toward Repurchase Intention in the E-commerce Industry: A Cross-Continental Analysis. Gadjah Mada International Journal of Business, 21(2), 187. https://doi.org/10.22146/gamaijb.33665 APPENDIX A: Construct Measures Construct E-commerce Service Information Quality (IQ) Perceived Security (PSR) E-Commerce Customer Satisfaction (ECS) E-Commerce Customer Loyalty (ECL) Scale Items A. The information on the Web site facilitates buying the products or services that it sells or markets. B. The Web site does not necessarily have to provide the up-to-date products and services information. C. The Web site provides the relevant the products/services information. D. It is easy to complete the transaction on the Web site. E. The Web site presents information that is an easy to understand. A. The Web site has mechanism to ensure the safe transmission of its users' information. B. The Web site has sufficient technical capacity to ensure that the data I send cannot be modified by hackers. C. Purchasing on the Web site will not cause financial risk. D. The electronic payment on the Web site is safe. A. The performance of Web site meets my expectation. B. The Web site does not have sufficient experience in the marketing of the products and service that it offers. C. The Web site knows its users well enough to offer them products and services adapted to their needs. D. The Web site does not have the necessary resources to carry out its activities successfully. A. I will continuously purchase from the Web site in the near future. B. I do recommend that others use the Electronic Commerce services. C. My preference for the Electronic Commerce would not willingly change. D. Changing my preference from the Electronic Commerce requires major rethinking. Deleted Deleted Deleted Appendix B: Reliability of Scale Item Scale Mean if Item Deleted 12.33 Scale Variance if Item Deleted 5.827 Corrected Item-Total Correlation .673 Cronbach's Alpha if Item Deleted .829 The Web site provides the relevant the products/services information 12.13 5.143 .846 .753 It is easy to complete the transaction on the Web site 11.97 7.228 .482 .895 The Web site presents information that is an easy to understand 12.22 4.874 .830 .759 The information on the Web site facilitates buying the products or services that it sells or markets Scale Mean if Item Deleted 6.56 Scale Variance if Item Deleted 3.496 Corrected Item-Total Correlation .699 Cronbach's Alpha if Item Deleted .265 The Web site does not have sufficient experience in the marketing of the products and service that it offers 7.43 5.788 .090 .936 The Web site knows its users well enough to offer them products and services adapted to their needs 6.68 3.723 .578 .250 The performance of Web site meets my expectation Appendix C: Frequency Table IV 2 Frequency Percent Valid Percent Cumulative Percent Valid 1.25 1 .6 .6 .6 2.00 6 3.8 3.8 4.4 2.25 1 .6 .6 5.1 2.50 11 7.0 7.0 12.0 3.25 3 1.9 1.9 13.9 3.50 5 3.2 3.2 17.1 3.75 8 5.1 5.1 22.2 4.00 33 20.9 20.9 43.0 4.25 34 21.5 21.5 64.6 4.50 32 20.3 20.3 84.8 4.75 1 .6 .6 85.4 5.00 23 14.6 14.6 100.0 Total 158 100.0 100.0 DV Frequency Percent Valid Percent Cumulative Percent 1.67 2 1.3 1.3 1.3 2.00 10 6.3 6.3 7.6 3.00 11 7.0 7.0 14.6 3.33 26 16.5 16.5 31.0 3.67 26 16.5 16.5 47.5 4.00 37 23.4 23.4 70.9 4.33 16 10.1 10.1 81.0 4.67 15 9.5 9.5 90.5 5.00 15 9.5 9.5 100.0 Total 158 100.0 100.0 Valid