文件名称:
电子商务 英文 文献Privacy in Electronic Commerce and the Economics of Immediate Gratification
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上传时间: 2009-06-02
详细说明: ABSTRACT Commission study reported in 2000 that sixty-seven per- cent of consumers were “very concerned” about the privacy Dichotomies between privacy attitudes and behavior have of the personal information provided on-line [11]. More re- been noted in the liter ature but not yet fully explained. We cently, a February 2002 Harris Interactive survey found that apply lessons from the research on behavioral economics to the three biggest consumer concerns in the area of on-line understand the individual decision making process with re- personal information security were: companies trading per- spect to privacy in electronic commerce. We show that it is sonal data without permission, the consequences of insecure unrealistic to expect individual rationality in this context. transactions, and theft of personal data [19]. According to Models of self-control problems and immediate gratification a Jupiter Research study in 2002, “$24.5 billion in on-line o?er more realistic descriptions of the decision process and sales will be lost by 2006 - up from $5.5 billion in 2001. On- are more consistent with currently available data. In partic- line retail sales would be approximately twenty-four percent ular, we show why individuals who may genuinely want to higher in 2006 if consumers’ fears about privacy and secu- protect their privacy might not do so because of psychologi- rity were addressed e?ectively” [21]. Although the media cal distortions well documented in the behavioral literature; hype has somewhat diminished, risks and costs have not - we show that these distortions may a?ect not only ‘na¨?ve’ as evidenced by the increasing volumes of electronic spam individuals but also ‘sophisticated’ ones; and we prove that and identity theft [16]. this may occur also when individuals perceive the risks from Surveys in this field, however, as well as experiments and not protecting their privacy as significant. ...展开收缩
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