Effects of hypertext links on trust transfer
ICEC '03 Proceedings of the 5th international conference on Electronic commerce
ICEC '03 Proceedings of the 5th international conference on Electronic commerce
Information Technology and Management
The development of initial trust in an online company by new customers
Information and Management
Factors influencing the adoption of web-based shopping: the impact of trust
ACM SIGMIS Database
Psychological antecedents of institution-based consumer trust in e-retailing
Information and Management
Revisiting the role of web assurance seals in consumer trust
ICEC '04 Proceedings of the 6th international conference on Electronic commerce
Design and e-loyalty across cultures in electronic commerce
ICEC '04 Proceedings of the 6th international conference on Electronic commerce
The role of trust in distributed design
Artificial Intelligence for Engineering Design, Analysis and Manufacturing
Sociotechnical Architecture for Online Privacy
IEEE Security and Privacy
Personalization versus Privacy: An Empirical Examination of the Online Consumer's Dilemma
Information Technology and Management
A Management Perspective on Risk of Security Threats to Information Systems
Information Technology and Management
Trustworthiness in B2C e-commerce: an examination of alternative models
ACM SIGMIS Database
International Journal of Human-Computer Studies
Understanding consumer trust in Internet shopping: A multidisciplinary approach
Journal of the American Society for Information Science and Technology
An extension of the UTAUT model with e-quality, trust, and satisfaction constructs
Proceedings of the 2006 ACM SIGMIS CPR conference on computer personnel research: Forty four years of computer personnel research: achievements, challenges & the future
An investigation of web-page credibility
Journal of Computing Sciences in Colleges
PeCAN: an architecture for users' privacy-aware electronic commerce contexts on the semantic web
Information Systems - Special issue: The semantic web and web services
An examination of the determinants of customer loyalty in mobile commerce contexts
Information and Management
Citizen centric analysis of anti/counter-terrorism e-government services
dg.o '06 Proceedings of the 2006 international conference on Digital government research
Perspectives of online trust and similar constructs: a conceptual clarification
ICEC '06 Proceedings of the 8th international conference on Electronic commerce: The new e-commerce: innovations for conquering current barriers, obstacles and limitations to conducting successful business on the internet
Distrust and trust in B2C e-commerce: do they differ?
ICEC '06 Proceedings of the 8th international conference on Electronic commerce: The new e-commerce: innovations for conquering current barriers, obstacles and limitations to conducting successful business on the internet
A methodology for construct development in MIS research
European Journal of Information Systems - Special section: PACIS 2004
B2C Web site quality and emotions during online shopping episodes: an empirical study
Information and Management
Trust in inter-organizational exchanges: a case study in business to business electronic commerce
Decision Support Systems
The role of social presence in establishing loyalty in e-Service environments
Interacting with Computers
Decision Support Systems
Trust transference in brick and click retailers: An investigation of the before-online-visit phase
Information and Management
E-business differentiation through value-based trust
Information and Management
Perceived Information Quality in Data Exchanges: Effects on Risk, Trust, and Intention to Use
Information Systems Research
An Extended Privacy Calculus Model for E-Commerce Transactions
Information Systems Research
Development and validation of an internet use attitude scale
Computers & Education
dg.o '07 Proceedings of the 8th annual international conference on Digital government research: bridging disciplines & domains
Do e-business strategies matter? The antecedents and relationship with firm performance
Information Systems Frontiers
International Journal of Human-Computer Studies
Examining customers' trust in online vendors and their dropout decisions: An empirical study
Electronic Commerce Research and Applications
PrivateBits: managing visual privacy in web browsers
GI '07 Proceedings of Graphics Interface 2007
The Role of System Trust in Business-to-Consumer Transactions
Journal of Management Information Systems
Journal of Management Information Systems
Journal of Management Information Systems
Journal of Management Information Systems
Moderating Effects of Task Type on Wireless Technology Acceptance
Journal of Management Information Systems
Do I Trust You Online, and If So, Will I Buy? An Empirical Study of Two Trust-Building Strategies
Journal of Management Information Systems
The Impact of Infusing Social Presence in the Web Interface: An Investigation Across Product Types
International Journal of Electronic Commerce
Multi-Channel Strategies: Capturing and Exploring Diversity in the European Retail Grocery Industry
International Journal of Electronic Commerce
The Effect of Web Site Perceptions on Initial Trust in the Owner Company
International Journal of Electronic Commerce
How Hypertext Links Influence Consumer Perceptions to Build and Degrade Trust Online
Journal of Management Information Systems
Why Do Internet Users Stick with a Specific Web Site? A Relationship Perspective
International Journal of Electronic Commerce
Determinants of success for application service provider: An empirical test in small businesses
International Journal of Human-Computer Studies
Factors and effects of information credibility
Proceedings of the ninth international conference on Electronic commerce
RFID, privacy and the perception of risk: A strategic framework
The Journal of Strategic Information Systems
WebQual: An Instrument for Consumer Evaluation of Web Sites
International Journal of Electronic Commerce
Diffusion of virtual innovation
ACM SIGMIS Database
Why people buy virtual items in virtual worlds with real money
ACM SIGMIS Database
Revisiting the role of web assurance seals in business-to-consumer electronic commerce
Decision Support Systems
E-governance services through telecenters: The role of human intermediary and issues of trust
Information Technologies and International Development
Building effective online game websites with knowledge-based trust
Information Systems Frontiers
Artificial Intelligence for Engineering Design, Analysis and Manufacturing
Trust in consumer-to-consumer electronic commerce
Information and Management
Evaluating the technological characteristics and trust affecting mobile device usage
International Journal of Mobile Communications
Consumer reactions to potential intrusiveness and benefits of RFID
International Journal of Information Technology and Management
Managing customer retention in the UK online banking sector
International Journal of Information Technology and Management
The Journal of Strategic Information Systems
Trust and risk in e-government adoption
The Journal of Strategic Information Systems
E-government adoption: A cultural comparison
Information Systems Frontiers
Thar's gold in them thar constructs
ACM SIGMIS Database
Online stickiness: its antecedents and effect on purchasing intention
Behaviour & Information Technology
A User Behavior Based Trust Model for Mobile Applications
ATC '08 Proceedings of the 5th international conference on Autonomic and Trusted Computing
Digital Divide in eGovernment: The eInclusion Gap Model
EGOV '08 Proceedings of the 7th international conference on Electronic Government
Assessing anti-phishing preparedness: A study of online banks in Hong Kong
Decision Support Systems
A model of user adoption of interface agents for email notification
Interacting with Computers
Behaviour & Information Technology
Factors affecting members' trust belief and behaviour intention in virtual communities
Behaviour & Information Technology
Understanding individual investor's behavior with financial information disclosed on the web sites
Behaviour & Information Technology
What Factors Influence the Individual Impact of the Web? An Initial Model
Electronic Markets
Exploring Loyalty Intention in the Electronic Marketplace
Electronic Markets
Information Systems Management
Goal Setting and Trust in a Security Management Context
Information Security Journal: A Global Perspective
Effects of innovativeness and trust on web survey participation
Computers in Human Behavior
Decision Support Systems
Information and Management
Q-rater: A collaborative reputation system based on source credibility theory
Expert Systems with Applications: An International Journal
Is There an On-line Advertisers' Dilemma? A Study of Click Fraud in the Pay-Per-Click Model
International Journal of Electronic Commerce
International Journal of Electronic Commerce
Special Issue: Trust in Online Environments
Journal of Management Information Systems
Modeling Web Site Design Across Cultures: Relationships to Trust, Satisfaction, and E-Loyalty
Journal of Management Information Systems
Examining Trust in Information Technology Artifacts: The Effects of System Quality and Culture
Journal of Management Information Systems
Journal of Management Information Systems
In Justice We Trust: Predicting User Acceptance of E-Customer Services
Journal of Management Information Systems
Journal of Management Information Systems
Dynamics of Trust Revision: Using Health Infomediaries
Journal of Management Information Systems
Journal of Management Information Systems
A Research Agenda for Trust in Online Environments
Journal of Management Information Systems
Recommendation Agents for Electronic Commerce: Effects of Explanation Facilities on Trusting Beliefs
Journal of Management Information Systems
An analysis of privacy signals on the World Wide Web: Past, present and future
Information Sciences: an International Journal
Do web sites change customers' beliefs? A study of prior-posterior beliefs in e-commerce
Information and Management
Social computing privacy concerns: antecedents and effects
Proceedings of the SIGCHI Conference on Human Factors in Computing Systems
Information and Management
Virtual item purchase behavior in virtual worlds: an exploratory investigation
Electronic Commerce Research
Electronic Commerce Research
The role of trust in e-commerce relational exchange: A unified model
Information and Management
Leveraging latent growth models to better understand MIS theory: a primer
Proceedings of the special interest group on management information system's 47th annual conference on Computer personnel research
Is There an On-line Advertisers' Dilemma? A Study of Click Fraud in the Pay-Per-Click Model
International Journal of Electronic Commerce
Journal of Management Information Systems
Trust and Electronic Government Success: An Empirical Study
Journal of Management Information Systems
Contrast and Assimilation Effects on Consumers' Trust in Internet Companies
International Journal of Electronic Commerce
International Journal of Electronic Commerce
Information Systems Research
A Methodology towards Usable Trust Management
ATC '09 Proceedings of the 6th International Conference on Autonomic and Trusted Computing
Formalizing Trust Based on Usage Behaviours for Mobile Applications
ATC '09 Proceedings of the 6th International Conference on Autonomic and Trusted Computing
Potential of the corporate web site to generate trust in environmentally risky firms
ISTAS '09 Proceedings of the 2009 IEEE International Symposium on Technology and Society
Impact of Trust Belief on Download Intention of Bundled Freeware
Proceedings of the 11th International Conference on Electronic Commerce
Towards trusted intelligence information sharing
Proceedings of the ACM SIGKDD Workshop on CyberSecurity and Intelligence Informatics
Towards an understanding of the consumer acceptance of mobile wallet
Computers in Human Behavior
International Journal of Human-Computer Studies
The Role of Mutual Trust in Building Members' Loyalty to a C2C Platform Provider
International Journal of Electronic Commerce
Journal of Management Information Systems
Organizational Assimilation of Electronic Procurement Innovations
Journal of Management Information Systems
Individual Swift Trust and Knowledge-Based Trust in Face-to-Face and Virtual Team Members
Journal of Management Information Systems
Colour appeal in website design within and across cultures: A multi-method evaluation
International Journal of Human-Computer Studies
Knowing your customers: Using a reciprocal relationship to enhance voluntary information disclosure
Decision Support Systems
The Impact of Positive Electronic Word-of-Mouth on Consumer Online Purchasing Decision
WSKS '09 Proceedings of the 2nd World Summit on the Knowledge Society: Visioning and Engineering the Knowledge Society. A Web Science Perspective
An examination of the determinants of customer loyalty in mobile commerce contexts
Information and Management
Do transparent government agencies strengthen trust?
Information Polity
L'Elimination de la subjectivité dans la recommandation de confiance
Proceedings of the 5th French-Speaking Conference on Mobility and Ubiquity Computing
Trust-Assuring Arguments in B2C E-commerce: Impact of Content, Source, and Price on Trust
Journal of Management Information Systems
Investigating online information disclosure: Effects of information relevance, trust and risk
Information and Management
Virtual travel communities and customer loyalty: Customer purchase involvement and web site design
Electronic Commerce Research and Applications
HCI'07 Proceedings of the 12th international conference on Human-computer interaction: applications and services
The relationship between website quality, trust and price premiums at online auctions
Electronic Commerce Research
PERSUASIVE'07 Proceedings of the 2nd international conference on Persuasive technology
E-file adoption: A study of U.S. taxpayers' intentions
Computers in Human Behavior
Explaining mobile community user participation from a social capital perspective
International Journal of Mobile Communications
The impact of trust, risk and optimism bias on E-file adoption
Information Systems Frontiers
An empirical analysis of factors influencing users' adoption and use of mobile services in China
International Journal of Mobile Communications
Determinants of consumers' perceived trust in IT-ecosystems
Journal of Theoretical and Applied Electronic Commerce Research
International Journal of Human-Computer Studies
Electronic Commerce Research and Applications
A model of customers' initial trust in unknown online retailers: an empirical study
International Journal of Business Information Systems
Effects of specialization in computers, web sites, and web agents on e-commerce trust
International Journal of Human-Computer Studies
Consumer trust and distrust: An issue of website design
International Journal of Human-Computer Studies
Explaining physicians' acceptance of EHCR systems: An extension of TAM with trust and risk factors
Computers in Human Behavior
A technology empowerment model for engineering work
ACM SIGMIS Database
Information Technology and Management
Consumer trust in e-commerce web sites: A meta-study
ACM Computing Surveys (CSUR)
Reliability, validity, and sensitivity of a single-item measure of online store usability
International Journal of Human-Computer Studies
ACM Transactions on Computer-Human Interaction (TOCHI)
Exploring citizens' intention to use government websites in Taiwan: an empirical study
Proceedings of the 12th International Conference on Information Integration and Web-based Applications & Services
Effects of initial and ongoing trust in IT outsourcing: A bilateral perspective
Information and Management
Antecedents of application service continuance: A synthesis of satisfaction and trust
Expert Systems with Applications: An International Journal
Smart mobile media services: consumer intention model
Proceedings of the 8th International Conference on Advances in Mobile Computing and Multimedia
Trust in a specific technology: An investigation of its components and measures
ACM Transactions on Management Information Systems (TMIS)
The effect of trust transference in multi-banking channels; offline, online and mobile
International Journal of Mobile Communications
Initial trust and adoption of mobile brokerage service
International Journal of Mobile Communications
Information Polity - The coming of age of e-government studies;papers from EGPA 2010
Trust and TAM in online shopping: an integrated model
MIS Quarterly
Components of trust influencing egovernment adoption in Germany
EGOV'11 Proceedings of the 10th IFIP WG 8.5 international conference on Electronic government
"IT's complicated...": influence of perceived sacrifice and trust on eservice adoption
EGOV'11 Proceedings of the 10th IFIP WG 8.5 international conference on Electronic government
Transformational government citizens' services adoption: a conceptual framework
EGOV'11 Proceedings of the 10th IFIP WG 8.5 international conference on Electronic government
Expert Systems with Applications: An International Journal
International Journal of Electronic Commerce
Effect of Recovery Efforts on Consumer Trust and Loyalty in E-Tail: A Contingency Model
International Journal of Electronic Commerce
Virtual Community Loyalty: An Interpersonal-Interaction Perspective
International Journal of Electronic Commerce
A Comprehensive Model of Perceived Risk of E-Commerce Transactions
International Journal of Electronic Commerce
Building Consumer-to-Consumer Trust in E-Finance Marketplaces: An Empirical Analysis
International Journal of Electronic Commerce
The Signaling Role of IT Features in Influencing Trust and Participation in Online Communities
International Journal of Electronic Commerce
Task Design, Motivation, and Participation in Crowdsourcing Contests
International Journal of Electronic Commerce
Designing Not Just for Pleasure: Effects of Web Site Aesthetics on Consumer Shopping Value
International Journal of Electronic Commerce
Journal of Management Information Systems
Journal of Management Information Systems
Electronic Commerce Research and Applications
The role of inter-channel trust transfer in establishing mobile commerce trust
Electronic Commerce Research and Applications
E-commerce: protecting purchaser privacy to enforce trust
Electronic Commerce Research
A usability-centred perspective on intention to use mobile payment
International Journal of Mobile Communications
Identifying and Testing the Inhibitors of Technology Usage Intentions
Information Systems Research
mTrust: discerning multi-faceted trust in a connected world
Proceedings of the fifth ACM international conference on Web search and data mining
Cultural and organisational commitment in the context of e-banking
International Journal of Internet Technology and Secured Transactions
Factors Affecting Bloggers' Knowledge Sharing: An Investigation Across Gender
Journal of Management Information Systems
Toward multi-dimensional trust: exploring antecedents to trust in a complex domain
International Journal of Business Information Systems
Consumers rule: How consumer reviews influence perceived trustworthiness of online stores
Electronic Commerce Research and Applications
User disposition and extent of Web utilization: A trait hierarchy approach
International Journal of Human-Computer Studies
Exploring trust of mobile applications based on user behaviors
INTRUST'09 Proceedings of the First international conference on Trusted Systems
ICSR'11 Proceedings of the Third international conference on Social Robotics
International Journal of Business Information Systems
Examining mobile banking user adoption from the perspectives of trust and flow experience
Information Technology and Management
Electronic Commerce Research
Understanding users' initial trust in mobile banking: An elaboration likelihood perspective
Computers in Human Behavior
G2C acceptance in Malaysia: trust, perceived risk and political efficacy
ISIICT'09 Proceedings of the Third international conference on Innovation and Information and Communication Technology
The impact of trust and relative advantage on internet voting diffusion
Journal of Theoretical and Applied Electronic Commerce Research
Hospital information systems: Measuring end user computing satisfaction (EUCS)
Journal of Biomedical Informatics
The roles of habit and web site quality in e-commerce
International Journal of Information Management: The Journal for Information Professionals
International Journal of Information Management: The Journal for Information Professionals
Exploring the effect of strategic positioning on firm performance in the e-business context
International Journal of Information Management: The Journal for Information Professionals
What makes bloggers share knowledge? An investigation on the role of trust
International Journal of Information Management: The Journal for Information Professionals
International Journal of Information Management: The Journal for Information Professionals
The evolution of corporate web presence: A longitudinal study of large American companies
International Journal of Information Management: The Journal for Information Professionals
Customer Knowledge Management and E-commerce: The role of customer perceived risk
International Journal of Information Management: The Journal for Information Professionals
International Journal of Information Management: The Journal for Information Professionals
International Journal of Information Management: The Journal for Information Professionals
Cell phone banking: predictors of adoption in South Africa-an exploratory study
International Journal of Information Management: The Journal for Information Professionals
Evaluating citizens' readiness to embrace e-government services
Proceedings of the 13th Annual International Conference on Digital Government Research
Information Systems and e-Business Management
Do you care if a computer says sorry?: user experience design through affective messages
Proceedings of the Designing Interactive Systems Conference
Which is more important in Internet shopping, perceived price or trust?
Electronic Commerce Research and Applications
How does background music tempo work for online shopping?
Electronic Commerce Research and Applications
TruBeRepec: a trust-behavior-based reputation and recommender system for mobile applications
Personal and Ubiquitous Computing
Self-disclosure under social networking sites: a risk-utility decision model
Proceedings of the 14th Annual International Conference on Electronic Commerce
Effects of trust on group buying websites in china
Proceedings of the 10th asia pacific conference on Computer human interaction
International Journal of Business Information Systems
International Journal of Networking and Virtual Organisations
Research on online consumer building trust and sharing information through value congruence
International Journal of Networking and Virtual Organisations
Computers in Human Behavior
Virtual agents in retail web sites: Benefits of simulated social interaction for older users
Computers in Human Behavior
Understanding identity exposure in pervasive computing environments
Pervasive and Mobile Computing
TRUST'12 Proceedings of the 5th international conference on Trust and Trustworthy Computing
The importance of individual characteristics on consideration sets for online auction buyers
Journal of Theoretical and Applied Electronic Commerce Research
Soft trust and mCommerce shopping behaviours
MobileHCI '12 Proceedings of the 14th international conference on Human-computer interaction with mobile devices and services
The Boundaries of Trust and Risk: The Quadratic Moderating Role of Institutional Structures
Information Systems Research
Traits, Predictors, and Consequences of Facebook Self-Presentation
Social Science Computer Review
Journal of Computer-Mediated Communication
Adoption and Impacts of Interorganizational Business Process Standards: Role of Partnering Synergy
Information Systems Research
Two Worlds of Trust for Potential E-Commerce Users: Humans as Cognitive Misers
Information Systems Research
Decoupling, re-engaging: managing trust relationships in implementation projects
Information Systems Journal
Information quality, trust, and risk perceptions in electronic data exchanges
Decision Support Systems
An empirical examination of continuance intention of mobile payment services
Decision Support Systems
An empirical examination of the determinants of mobile purchase
Personal and Ubiquitous Computing
Information Systems and e-Business Management
Trust factors for the usage of cloud computing in small and medium sized craft enterprises
GECON'12 Proceedings of the 9th international conference on Economics of Grids, Clouds, Systems, and Services
G2C Adoption of E-Government in Malaysia: Trust, Perceived Risk and Political Self-Efficacy
International Journal of Electronic Government Research
E-Government Utilization: Understanding the Impact of Reputation and Risk
International Journal of Electronic Government Research
Online banking information systems acceptance: a structural equation modelling analysis
International Journal of Business Information Systems
Global Analysis of Security and Trust Perceptions in Web Design for E-Commerce
International Journal of Information Security and Privacy
Project Commitment in the Context of Information Security
International Journal of Information Technology Project Management
International Journal of Systems and Service-Oriented Engineering
The Role of Usability in E-Commerce Services
International Journal of E-Business Research
Privacy, trust and control: Which relationships with online self-disclosure?
Computers in Human Behavior
What Builds System Troubleshooter Trust the Best: Experiential or Non-Experiential Factors?
Information Resources Management Journal
The Role of Impulsiveness in a TAM-Based Online Purchasing Behavior
Information Resources Management Journal
The Role of Usability in E-Commerce Services
International Journal of E-Business Research
Journal of Organizational and End User Computing
Internet Voting Usefulness: An Empirical Analysis of Trust, Convenience and Accessibility
Journal of Organizational and End User Computing
Journal of Organizational and End User Computing
Construct Validity Assessment in IS Research: Methods and Case Example of User Satisfaction Scale
Journal of Organizational and End User Computing
Journal of Electronic Commerce in Organizations
Toward a Unified Model of Information Systems Development Success
Journal of Database Management
Factors Affecting Bloggers' Knowledge Sharing: An Investigation Across Gender
Journal of Management Information Systems
Journal of Management Information Systems
Influence of Feedback from SNS Members on Consumer Behavior in Electronic Commerce
ASONAM '12 Proceedings of the 2012 International Conference on Advances in Social Networks Analysis and Mining (ASONAM 2012)
Second-Order Constructs in Structural Equations: Perceived Value and Trust
International Journal of Online Marketing
"Shared joy is double joy": the social practices of user networks within group shopping sites
Proceedings of the SIGCHI Conference on Human Factors in Computing Systems
The influence of user affect in online information disclosure
The Journal of Strategic Information Systems
Electronic word of mouth and knowledge sharing on social network sites: a social capital perspective
Journal of Theoretical and Applied Electronic Commerce Research
Bayesian Inference in Trust Networks
ACM Transactions on Management Information Systems (TMIS)
International Journal of Asian Business and Information Management
International Journal of Asian Business and Information Management
Journal of Electronic Commerce in Organizations
A Longitudinal Investigation on Greek University Students' Perceptions Towards Online Shopping
Journal of Electronic Commerce in Organizations
A Taxonomy of Censors and Anti-Censors Part II: Anti-Censorship Technologies
International Journal of E-Politics
The impact of task framing and viewing timing on user website perceptions and viewing behavior
International Journal of Human-Computer Studies
Exploring the impact of trust information visualization on mobile application usage
Personal and Ubiquitous Computing
Information Systems Frontiers
Website design, trust and culture: An eight country investigation
Electronic Commerce Research and Applications
The role of atmospheric cues in online impulse-buying behavior
Electronic Commerce Research and Applications
Computers in Human Behavior
Comparative trust management with applications: Bayesian approaches emphasis
Future Generation Computer Systems
Aligning principal and agent's incentives: A principal-agent perspective of social networking sites
Expert Systems with Applications: An International Journal
Design and validation of a relative trust model
Knowledge-Based Systems
A multi-level model of individual information privacy beliefs
Electronic Commerce Research and Applications
International Journal of Business Information Systems
Simulating the spread of opinions in online social networks when targeting opinion leaders
Information Systems and e-Business Management
International Journal of Information Management: The Journal for Information Professionals
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Evidence suggests that consumers often hesitate to transact with Web-based vendors because of uncertainty about vendor behavior or the perceived risk of having personal information stolen by hackers. Trust plays a central role in helping consumers overcome perceptions of risk and insecurity. Trust makes consumers comfortable sharing personal information, making purchases, and acting on Web vendor advice--behaviors essential to widespread adoption of e-commerce. Therefore, trust is critical to both researchers and practitioners. Prior research on e-commerce trust has used diverse, incomplete, and inconsistent definitions of trust, making it difficult to compare results across studies. This paper contributes by proposing and validating measures for a multidisciplinary, multidimensional model of trust in e-commerce. The model includes four high-level constructs--disposition to trust, institution-based trust, trusting beliefs, and trusting intentions--which are further delineated into 16 measurable, literature-grounded subconstructs. The psychometric properties of the measures are demonstrated through use of a hypothetical, legal advice Web site. The results show that trust is indeed a multidimensional concept. Proposed relationships among the trust constructs are tested (for internal nomological validity), as are relationships between the trust constructs and three other e-commerce constructs (for external nomological validity)--Web experience, personal innovativeness, and Web site quality. Suggestions for future research as well as implications for practice are discussed.