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  <front>
    <journal-meta />
    <article-meta>
      <title-group>
        <article-title>Analyzing the Relationship between Trust and Purchase Intention in mCommerce</article-title>
      </title-group>
      <contrib-group>
        <contrib contrib-type="author">
          <string-name>Katherine Duran</string-name>
          <email>katherine.san.duran@gmail.com</email>
          <xref ref-type="aff" rid="aff0">0</xref>
        </contrib>
        <contrib contrib-type="author">
          <string-name>Cristian Rusu</string-name>
          <email>cristian.rusu@pucv.cl</email>
          <xref ref-type="aff" rid="aff0">0</xref>
        </contrib>
        <contrib contrib-type="author">
          <string-name>Sandra Cano</string-name>
          <email>sandra.cano@pucv.cl</email>
          <xref ref-type="aff" rid="aff0">0</xref>
        </contrib>
        <aff id="aff0">
          <label>0</label>
          <institution>Pontificia Universidad Católica de Valparaíso</institution>
          ,
          <addr-line>Av. Brasil No. 2241, Valparaíso</addr-line>
          ,
          <country country="CL">Chile</country>
        </aff>
      </contrib-group>
      <abstract>
        <p>The use of mobile devices is widely spread. The electronic commerce trough mCommerce is also increasing. However, there are still suspicions in some users when purchasing good or services through a mobile channel. One of the main issues that influence the purchase intention in mCommerce is the customers' trust. Consumers' trust is intrinsically related to their experience, but also with the confidence in a brand. We aim to examine the relationship between customers' trust and their intention to purchase in mCommerce. For this purpose, we designed a specific scale, based on an extensive literature review. The paper presents the process of designing the scale.</p>
      </abstract>
      <kwd-group>
        <kwd>Consumer trust</kwd>
        <kwd>Purchase intention</kwd>
        <kwd>mCommerce</kwd>
        <kwd>Costumer experience</kwd>
      </kwd-group>
    </article-meta>
  </front>
  <body>
    <sec id="sec-1">
      <title>-</title>
      <p>Consumer confidence has been extensively addressed, but its correlation with
purchase intention has not always been investigated. This implies the need to know
behaviors, needs and apprehensions that users may suffer when facing a mobile
electronic commerce platform (mCommerce).</p>
      <p>Due to this need, this study focuses on a bibliographic review on the shopping
experience in mCommerce, and more specifically on the relationship between
consumers’ confidence and their purchase intention. The results obtained show that
the studies regarding trust and purchase intention are still incipient. Based on the
bibliographic review carried out, we have designed a survey whose purpose is to
evaluate consumer confidence and purchase intention. We hope that the survey will
also allow us to assess the relationship between the two constructs.</p>
      <p>The article presents a brief frame of reference in section 2. Section 3 analyzes the
works related to the subject of the study. Section 4 documents the development of the
survey. Finally, section 5 highlights conclusions and future work.</p>
      <p>Copyright c 2020 for this paper by its authors. Use permitted under Creative Commons</p>
    </sec>
    <sec id="sec-2">
      <title>Referential Framework</title>
      <p>
        The Consumer Experience (usually referred as Customer eXperience, CX) has been
defined as a multidimensional construction based on cognitive, emotional, physical,
sensory and social responses evoked by various market players. Lin et al [
        <xref ref-type="bibr" rid="ref1">1</xref>
        ] argued
that the consumer experience developed as a result of a set of interactions between a
consumer and a business, or the offers and services of a business.
      </p>
      <p>
        This discipline was initially linked to the science of services. However, as the
consumption of products and services through platforms has grown explosively, the
need to approach areas such as Human-Computer Interaction (HCI) was imminent.
All interactions made by the consumer with the brand are called touch points or points
of contact. The design of the CX focuses on creating an optimal experience for
consumers, at all touchpoints [
        <xref ref-type="bibr" rid="ref2">2</xref>
        ].
      </p>
      <p>
        Trust is a complex human behavior, composed and influenced by multidimensional
parameters [
        <xref ref-type="bibr" rid="ref3">3</xref>
        ]. As defined by Arion et al [
        <xref ref-type="bibr" rid="ref4">4</xref>
        ], trust refers to the amount of knowledge
and clues on which to base belief. Therefore, trust acts as a mental mechanism, based
on incomplete information, which helps reduce complexity to allow decision making
under uncertainty [
        <xref ref-type="bibr" rid="ref5 ref6">5,6</xref>
        ]. Of the studies found, on the evaluation of trust in different
types of platforms, most address it based on the Technology Acceptance Model
(TAM), or from the preparation of questionnaires that recall this model based on
constructs that determine the questions in each section of the questionnaire.
      </p>
      <p>
        From the perspective of social interaction, trust is a problem of gradual
progression, and it forms when one has confidence in a person's actions, which
suggests that they are trustworthy. It is the result of voluntarily trusting an exchange
partner [
        <xref ref-type="bibr" rid="ref7">7</xref>
        ].
      </p>
      <p>
        If we take it to the online world, Hwang and Chang [
        <xref ref-type="bibr" rid="ref8">8</xref>
        ] expose 3 subjective norms
that define trust online:
• Integrity: is the belief that a trusted party adheres to accepted rules of conduct,
such as honesty and keeping promises.
• Capacity: is the belief in the skills and competencies of the trusted party.
• Benevolence: is the belief that the trusted party, while waiting to make a
profit, wants to do good to the consumer.
      </p>
      <p>In this sense, it is understood that there is an exchange of trust, based on the user's
beliefs towards the object in which the trust is placed. Well, while the platform tries to
be reliable, the user evaluates its reliability based on the use, and the implicit
compliance with these standards. This is where the concept of consumer trust comes
from.</p>
      <p>
        Purchasing intention is a possibility or probability that consumers buy a product or
service [
        <xref ref-type="bibr" rid="ref9">9</xref>
        ]. According to this definition, the intention to purchase a service can be
defined as a series of service factors affect the consumer's psychology and will affect
the probability that consumers will buy the service [
        <xref ref-type="bibr" rid="ref10">10</xref>
        ].
      </p>
      <p>
        Along with this, the evaluation of the online shopping experience is generated by
the user. Here, the qualities and perceived aesthetic quality of an online shopping
website directly affect the consumer experience, including perceived trustworthiness
and perceived experimental qualities [
        <xref ref-type="bibr" rid="ref11">11</xref>
        ]. In addition, real interactions with the
platform allow consumers to assess their expectations and influence their intention to
buy as a result of decision making influenced by the attitude of use (User Attitude,
UA). UA can be defined as the general tendency of consumers to appreciate the value
of the website and to use it. UA is influenced by perceived experiential qualities. In
addition, it has been found that trust is directly related to consumer use attitude.
3
      </p>
    </sec>
    <sec id="sec-3">
      <title>Related Works</title>
      <p>To evaluate the consumer experience, it is necessary to know exactly which processes
involve them, in order to safeguard the coherence of that experience at each point.
Many authors have mapped the phases involved in the purchase process, to see how
trust affects them, or for other reasons.</p>
      <p>
        When entering for the first time, to an unknown site, consumers will face an
exploration process in which they will form knowledge and trust or initial distrust, in
this first experience. After many transactions, consumers will have become familiar
with the site and its transaction process. Online trust is developed here, in the phase of
commitment called continuous trust or solid trust, a level of trust intention that does
not change dramatically over a given period of time [
        <xref ref-type="bibr" rid="ref12">12</xref>
        ].
      </p>
      <p>
        For the purposes of this research, the proposal by Petre et al. [
        <xref ref-type="bibr" rid="ref13">13</xref>
        ] would be the one
that best adapts, since it incorporates the phases: Formation of the expectation,
Approach to the site, Pre-purchase interaction, Electronic purchase, Post-purchase
interaction, Product or service consumption.
      </p>
      <p>
        In this way, the purchase intention could be mapped with all its ingredients, from
the pre-purchase interaction phase, for a user who does not convert, and the
postpurchase interaction in the case of doubts, or a recurring purchase. This perspective is
based on the Total Client Experience (TCE). This extends beyond the user's
interaction with the site or application. Including: product delivery, after-sales,
customer service and support. All these points of contact affect the perception of
value and quality of service that the consumer has with respect to the company.
Which consequently would affect consumer loyalty [
        <xref ref-type="bibr" rid="ref14">14</xref>
        ].
      </p>
      <p>
        According to the definitions reviewed above, it is understood that the consumer
experience is a multifactorial construction, therefore, it is important to review how
these factors affect trust. Escobar and Carvajal [
        <xref ref-type="bibr" rid="ref15">15</xref>
        ], based on the model The Unified
Theory of Acceptance and Use of Technology (UTAUT2) or Unified Theory of
Acceptance and Use of Technology. With it, he describes the extent to which some
external factors shape the acceptance of technology and also interfere with trust in an
online purchasing process. These and other authors develop their research based on
questionnaires that map the different constructs that form trust, according to the
platform or type of service to be evaluated.
      </p>
    </sec>
    <sec id="sec-4">
      <title>4 Developing a Questionnaire to</title>
    </sec>
    <sec id="sec-5">
      <title>Experience in mCommerce evaluate the</title>
    </sec>
    <sec id="sec-6">
      <title>Consumer</title>
      <p>To develop this research, the mobile application of a Latin American airline was
taken as a case study.</p>
      <p>For the design of the questionnaire, the constructs obtained in the bibliographic
review were taken, which were attentive to the use or adoption of the purchase
through a mobile application. These are listed in table 1.</p>
      <p>Tabla 1. Constructs that were used in the questionnaire.</p>
      <p>Constructs and
reference source</p>
      <p>
        Associated questions
Trust disposition I usually trust people until they give me a reason not to trust them
McKnight et al. 2002 I generally give people the benefit of the doubt when I first meet
[
        <xref ref-type="bibr" rid="ref16">16</xref>
        ] them.
      </p>
      <p>My typical approach is to trust new acquaintances until they prove
that I shouldn't trust them.</p>
      <p>
        Personal innovation When I hear about a new app, I often find an excuse to download it
McKnight et al. 2002 Among my colleagues, I am usually the first to try new
[
        <xref ref-type="bibr" rid="ref16">16</xref>
        ] applications
Familiarity with the In general, I am familiar with this application
application I am familiar with finding items in this application
Gefen [
        <xref ref-type="bibr" rid="ref17">17</xref>
        ] I am familiar with the purchase process for this app
Honestidad I think this app generally meets the commitments it makes
Casaló et al. (2007) I believe that the information offered by this application is sincere
[
        <xref ref-type="bibr" rid="ref18">18</xref>
        ] and honest.
      </p>
      <p>I think I can trust the promises this app makes
This application does not make false statements
This applicatioN is characterized by the frankness and clarity of the
services it offers to the consumer.</p>
      <p>
        Benevolence I think this application has to do with the present and future
Casaló et al. (2007) interests of its users.
[
        <xref ref-type="bibr" rid="ref18">18</xref>
        ] I believe this application takes into account the repercussions that
your actions could have on the consumer.
      </p>
      <p>I think this app would not do anything intentional to harm the user
I believe that the design and commercial offer of this website
consider the wishes and needs of its users.</p>
      <p>
        I think this application is responsive to the needs of its users
Competence I think this app has enough experience in marketing the products
Casaló et al. (2007) and services it offers.
[
        <xref ref-type="bibr" rid="ref18">18</xref>
        ] I believe this application has the necessary resources to
successfully carry out its activities.
      </p>
      <p>I think this app knows its users well enough to offer them products
and services tailored to their needs.</p>
      <p>
        Usability
Appropriateness
recognizabilityDavis
(1989) [
        <xref ref-type="bibr" rid="ref19">19</xref>
        ]
Learnability
Davis (1989) [
        <xref ref-type="bibr" rid="ref19">19</xref>
        ],
Operability (Own
elaboration)
User error protection
(Own elaboration)
      </p>
      <p>The application is functional (useful and practical).</p>
      <p>The content of the application is useful to me
The application is easy to use
The in-app purchase process is easy to learn
App attributes make it easy to control and operate
During the purchase process, the application prevented me from
making errors of use
I think this application is accessible and allows any type of user to
use it
For each of the indicated constructs, various questions proposed by the cited
authors were established, which would make it possible to investigate the perception
of each user for each of them. The questions use a Likert scale in which it is evaluated
how much agree or disagree with the statement of each question.
5</p>
    </sec>
    <sec id="sec-7">
      <title>Conclusions and Future Work</title>
      <p>Consumer trust in mCommerce platforms is a very important issue. Many consumers
use them only to quote, and then make their purchase through a desktop platform. But
the user gets to break the barrier of uncertainty and will be given an initial trust that
fosters trust. On the other hand, if the brand, and everything that it communicates
through the various points of contact, transmits trust, a purchase intention could be
established which may or may not be specified.</p>
      <p>The bibliographic study carried out allowed us to define a questionnaire to evaluate
the consumer experience. The questionnaire has not yet been validated. As future
work, we intend to validate the questionnaire through a case study, the mCommerce
platform of an airline. Through the responses obtained, we want to investigate the
relationship between consumer confidence and purchase intention.</p>
    </sec>
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