We introduce the concept of “marketing avoidance” – consumer efforts to conceal themselves and to deflect marketing. The setting is one where sellers market some item through solicitations to potential consumers, who differ in their benefit from the item and suffer harm from receiving solicitations. Concealment by one consumer induces sellers to shift solicitations to other consumers, while def...

The main objective of this paper is to comprehend that exists between consumer values and perceived website attitude and consequences. 482 experienced Internet users of B2C online shopping in Taiwan. Empirical results indicated that both consumer values positively influenced on perceived trust and both negatively influenced on perceived risk of the website. For consequent variables, perceived t...

Institutional investors and investment managers seek to better characterize the credit risk of online consumer loans. This article describes how to prepare the data and build a credit risk model that can be used for a number of applications including generating alpha, issuing protection and securitizing loans into bonds with the desired risk/reward profile. A simple example is used to provide i...

Two experiments examine how message framing moderates consumer responses to product risk information. The findings suggest that contrary to an influential theory, consumers exposed to loss-framed messages exhibit a general aversion to product risk involving both short-term adverse effects and more permanent harm. In contrast, consumers exposed to gain-framed messages differentiate among differe...

Consumer credit risk assessment involves the use of risk assessment tools to manage a borrower’s account from the time of pre-screening a potential application through to the management of the account during its life and possible write-off. The riskiness of lending to a credit applicant is usually estimated using a logistic regression model though researchers have considered many other types of...

Web-mediated consumer-to-consumer auctions are often regarded as risky due to the opportunistic behaviors in transaction. Online virtual community using feedback-based reputation service is an emerging trust building technology to reduce risk in online auction market. The purpose of this paper is to study the effect of feedback profiles on buyer’s purchase behavior. Based on previous researches...

the above titled paper examined the food and drug administration’s (fda’s) warning letters and notice of violations (nov) over a 10-year period. findings from this content analysis reinforced what has been the primary issue for prescription direct-to-consumer advertising (dtca) since its beginning, the fair balance of risk and benefit information. as opposed to another analysis in 2026 about th...

Are trust and risk important in consumers' electronic commerce purchasing decisions? What are the antecedents of trust and risk in this context? How do trust and risk affect an Internet consumer's purchasing decision? To answer these questions, we i) develop a theoretical framework describing the trust-based decision-making process a consumer uses when making a purchase from a given site, ii) t...