In this paper we present results of a user study that we conducted with 21 subjects to investigate whether initial user trust is accompanied by unconscious bodily responses which enable more objective measurements than user reports. In particular, we recorded the user’s eye gaze and heart rate to evaluate whether users respond differently when interacting with a web page that is supposed to bui...

Due to the high perceived risk, building users’ initial trust is crucial to facilitating their adoption and usage of mobile banking. Drawing on the elaboration likelihood model (ELM), this research examined users’ initial trust in mobile banking. The results indicated that initial trust develops along a dual route including the central route and peripheral route. Self-efficacy as the elaboratio...

Trust has been considered a central aspect of successful IT outsourcing from the beginning of the outsourcing relationship to the end. A great deal of interest in trust has been described, but there has been little in the way of strong theoretical models to aid in understanding the role of trust, the antecedents of trust, and the consequences of trust in outsourcing relationship. Further, very ...

We present a conceptual framework that introduces key concepts capturing initial trust establishment in on-demand Virtual Organisations (VO). This framework can be used to develop trust formation protocols and policies. The framework can serve as a basis for implementing an automated system that facilitates the establishment of a VO, considerably reduces the effort for setting up a VO and conse...

The proliferation of the software as a service (SaaS) model challenges our understanding of trust formation in the external software acquisition. In the SaaS model vital software applications are often sourced over the internet with very limited personal interaction between representatives of user and provider. The present research seeks to explore how the subscribers of software services devel...

Trust learning is a crucial aspect of information exchange, negotiation, and any other kind of social interaction among autonomous agents in open systems. But most current probabilistic models for computational trust learning lack the ability to take context into account when trying to predict future behavior of interacting agents. Moreover, they are not able to transfer knowledge gained in a s...

This study examines the role of continuous trust (i.e., trust which develops over time as a result of continuing interactions) in determining a user’s continuing intention to use Internet banking services. This study stands in contrast to the large majority of research concerning trust and IT adoption, in that it focuses on continuous trust (as opposed to initial trust) and on a user’s continui...

Trust is important to organizations because it lubricates the relationships that form the interlocking components of coordination, which, like gears, turn the wheels of commerce. Trust becomes especially important during an organizational crisis (Mishra, 1996) or when supportive structures are inadequate. Thus it is vital to examine how trust forms in various work and commercial settings, becau...