Communications of the ACM
Establishing online trust through a community responsiblity system
Decision Support Systems
Judgement of information quality and cognitive authority in the Web
Journal of the American Society for Information Science and Technology
A picture says more than a thousand words: photographs as trust builders in e-commerce websites
CHI '02 Extended Abstracts on Human Factors in Computing Systems
The value of seller trustworthiness in C2C online markets
Communications of the ACM
Developing and Validating Trust Measures for e-Commerce: An Integrative Typology
Information Systems Research
Building trust in online auction markets through an economic incentive mechanism
Decision Support Systems
On-line trust: concepts, evolving themes, a model
International Journal of Human-Computer Studies - Special issue: Trust and technology
The researcher's dilemma: evaluating trust in computer-mediated communication
International Journal of Human-Computer Studies - Special issue: Trust and technology
The development of initial trust in an online company by new customers
Information and Management
Building Effective Online Marketplaces with Institution-Based Trust
Information Systems Research
Proceedings of the 2005 ACM SIGCOMM workshop on Economics of peer-to-peer systems
Modeling Initial and Repeat Online Trust in B2C E-Commerce
HICSS '06 Proceedings of the 39th Annual Hawaii International Conference on System Sciences - Volume 06
Journal of Management Information Systems
What Trust Means in E-Commerce Customer Relationships: An Interdisciplinary Conceptual Typology
International Journal of Electronic Commerce
Trust in consumer-to-consumer electronic commerce
Information and Management
International Journal of Electronic Commerce
Trust and TAM in online shopping: an integrated model
MIS Quarterly
Understanding users' initial trust in mobile banking: An elaboration likelihood perspective
Computers in Human Behavior
International Journal of E-Business Research
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People-to-people (P2P) lending, a specialized consumer-to-consumer e-commerce model, facilitates borrowing and lending between individuals in on-line marketplaces. On-line market exchanges are usually characterized by uncertainty and risk. Since trust-building mechanisms and establishing trust can reduce the uncertainty arising from information asymmetries in exchange transactions, trust-building mechanisms are crucial to the prosperity of on-line marketplaces. Based on the elaboration likelihood model (ELM), which explains attitudinal change, trust-building mechanisms for P2P lending marketplaces are investigated empirically and tested. The study uses data collected from Prosper, the largest U. S. P2P lending marketplace. The results support the importance of the central route (economic status) as the major driver for bidding behavior and of peripheral cues (social capital and listing quality) as trust-building mechanisms that influence trust behavior. These findings will help on-line marketplace providers to build successful P2P lending marketplaces.