论电子商务活动中的电子支付问题

电子商务的资金转移主要通过电子商务在线,电子商务支付是电子商务的重要组成部分。根据传输信息内容的不同,可以把互联网上支付系统分为非数字现金支付系统和数字现金支付系统。由于运作模式的不同,各种支付系统在安全性、风险性和支付效率等方面有着不同的特点。在我国日益市场化和商务电子化的过程中,交易主体的信用观念和信用行为是健全市场环境的理性选择,支付与信用问题永远是一个值得研究的课题。基于此,本文主要对电子商务活动中电子支付系统的特点及风险、电子支付的类型和过程以及电子商务中与支付有关的银行信用问题作了相关的分析研究。     

电子商务的信任机制研究——针对不同模式的比较分析

从信任的一般涵义出发，引申出电子商务环境下信任的内涵及特点。在此基础上，对常见的三种电子商务模式（B to B、B to C、C to C）的信任状况进行了分析，得出B to B电子商务的信任状况较好，而其他两种模式的信任状况较差的结论，并进一步对B to C、C to C的信任机制进行了讨论。根据B to C、C to C交易模式的特点，剖析了其信任体系的构成及交易过程中信任机制的作用机理，以期为电子商务信任体系的实证分析做好铺垫，为更好地解决B to C、C to C中存在的信任问题打好基础。     

Social commerce advertising avoidance and shopping cart abandonment: A fs/QCA analysis of German consumers

In recent years, due to the extensive use of social media advertisement and the development of social commerce tools, scholars and practitioners pay more attention to interaction with the digital channel, shopping intention, satisfaction, and retention. The objective of this study is to understand the shopping cart abandonment behavior as an outcome condition of ad avoidance on social media platforms. This research takes into consideration of cognitive, affective, and behavioral ad avoidance; alongside its antecedent conditions of perceived goal impediment, perceived add clutter, and prior negative experiences on social media. The research is conducted in Germany and Fuzzy sets/Qualitative Comparative Analysis (fs/QCA) is applied to understand the outcome condition of shopping cart abandonment. The findings imply that ad avoidance can create a learning mechanism for consumers about shopping cart abandonment of a brand or product if interrupted by a futile message or content. Theoretical and practical implications are discussed.     

New generation commerce: The rise of live commerce (L-commerce)

Live commerce (L-commerce) is an emerging distribution channel that has transformed consumer shopping preferences. Owing to the COVID-19 pandemic, consumers’ need for non-face-to-face (NFTF) commerce increased rapidly. However, unlike face-to-face (FTF) commerce, NFTF commerce has disadvantages. It lacks interactivity. The newly emerged L-commerce addresses this deficiency using real-time streaming technology. It is positively evaluated in various business segments. This study investigated the structural relationships between the characteristics of L-commerce, customer satisfaction, repurchase intention, and customer loyalty to L-commerce. The moderating effects of security and privacy (SP) and the perceived price advantage (PPA) were further examined. The findings represent a priori research that empirically proves the effectiveness of L-commerce.     

How do virtual streamers affect purchase intention in the live streaming context? A presence perspective

The rise of live streaming commerce has attracted attention from scholars and practitioners as a new opportunity to reach consumers. However, few studies have focused on the role of virtual streamers in this context. Based on the stimulus organism response framework, we explore the impact of three characteristics of virtual streamers—likeability, animacy, and responsiveness—on social presence, telepresence, and purchase intention. We use partial least squares structural equation modeling analysis with online survey data from 378 consumers concerning their experiences of viewing virtual streamers. The findings indicate that likeability, animacy, and responsiveness enhance social presence and telepresence, which then promote purchase intention. Likeability and responsiveness directly increase purchase intention, but animacy does not. Multi-group analysis reveals differences between the effects of humanoid and zoonotic virtual streamers on social presence and telepresence. These results shed light on the role of virtual streamer characteristics and contribute to the literature on live streaming commerce, presence, and virtual humans.     

What beliefs underlie decisions to buy groceries online?

Online grocery shopping has become increasingly popular in many countries due to Covid-19. Although there is plenty of research on consumer adoption and use of online grocery shopping, only a few studies focus on understanding the underlying beliefs of experienced buyers. Using the Theory of Planned Behaviour and following its recommendations, the present study set out to explore the actual beliefs that underlie attitudes, subjective norms and perceived behavioural control to buy groceries online among those who have been doing it regularly for a longer time. A structured qualitative approach, in this case an elicitation study, was applied to uncover the shared ideas, modal salient beliefs, among a group of experienced buyers (n = 14). The study found that time-saving and convenience, which for many meant avoiding the discomfort of in-store shopping, combined with assisted meal planning and simultaneous ordering were considered important for experienced online shoppers. This suggests that further assistance in the planning to order process may be welcome, including more proactive prompts and suggestions. The quality of perishable goods was still a concern after months of online shopping, along with a limited product range, which for some had meant less variation in meals. Suboptimal user interface and delivery-related inflexibility caused some concern. Retailers in the grocery business stand before major capital expenditure if they wish to expand their online offerings and services. The study at hand provides valuable initial insight into what drives consumer behaviour in this respect.     

The role of social commerce for enhancing consumers’ involvement in the cross-border product: Evidence from SEM and ANN based on MOA framework

Although cross-border e-commerce (CBEC) has experienced rapid development, severe issues remain, including information asymmetry and uncertainty. Social commerce platforms have emerged to provide consumers with new approaches to solving these issues and enabling shopping decisions. However, there is still a dearth of knowledge about the underlying mechanism that explains why and how CBEC consumers employ social commerce platforms to facilitate information processing. To address this critical issue, we employed SEM and ANN analytical approaches to examine the research model developed from the motivation-opportunity-ability (MOA) framework. The results revealed associations between the identified motivational factors (information seeking, serendipity, relaxation, and symbolic motivation), opportunity factors (time availability, platform empowerment, and electronic Word-of-Mouth), the ability factor (self-efficacy), involvement, and purchase intentions. In addition, an importance ranking of the most critical drivers of consumers’ shopping decisions was derived from various antecedents.     

Social commerce: Is interpersonal trust formation similar between U.S.A. and Spain?

In social commerce, interpersonal trust when individuals communicate is key among the parties. The main objective of this study is to investigate how the consequent variables, “interpersonal trust” and “users’ intention”, are impacted by the antecedents of trust-building and cultural dimensions when people are engaged in social commerce. The research model is substantiated using data collected in the U.S.A. and Spain. While all the trust-building antecedents have significant positive impact upon trust, there are cultural differences between the countries. The findings can be of interest to global marketing managers and information officers.     

电子商务应用能力对企业竞争力的影响

本文分析了企业竞争力构成要素,指出了电子商务应用能力与提高企业竞争力的关系,提出了在管理流程的每个环节上都合理再造、精细经营、循序渐进、持之以恒,以提高企业核心竞争力的对策。     

我国企业网络财务建设中的问题及对策

在现代信息技术环境下 ,企业财务管理正朝着网络化、信息化方向发展。在网络财务的形成和发展过程中 ,既有成功的经验 ,也不乏失败的教训。如何使网络财务健康地发展 ,需要理论支持 ,也需要实践探索。因此 ,分析网络财务建设中存在的问题 ,探讨改进的对策 ,显得非常必要。