Skip to main content
Log in

The relationships among consumers’ ethical ideology, risk aversion and ethically-based distrust of online retailers and the moderating role of consumers’ need for personal interaction

  • Original Paper
  • Published:
Ethics and Information Technology Aims and scope Submit manuscript

Abstract

Consumer distrust is only recently beginning to be perceived as an important e-commerce issue and, unlike online trust, the nature and role of distrust is much less established. This study examines the influence of two important consumer characteristics (ethical ideology and risk aversion) on consumer’s ethically-based distrust of online retailers. Also, the moderating role of consumer’s need for personal contact with sales staff is tested. Results from 409 online consumers confirm that both relativist-based ethical ideology and risk aversion are strongly and positively related to consumers’ distrust. Interestingly, our findings show that positive effects of relativism and risk aversion on consumer’s distrust are moderated by consumers’ need for personal interaction, which is more pronounced for those consumers with a high need for personal interaction with retail salespeople.

This is a preview of subscription content, log in via an institution to check access.

Access this article

Price excludes VAT (USA)
Tax calculation will be finalised during checkout.

Instant access to the full article PDF.

Institutional subscriptions

Fig. 1
Fig. 2

Similar content being viewed by others

References

  • Anckar, B. (2003). Drivers and inhibitors to e-commerce adoption: Exploring the rationality of consumer behavior in the electronic marketplace. In Proceedings of the 11th European Conference on Information Systems, June 2003 in Naples, ECIS, Italy, 18–21.

  • Antin, J., Churchill, E. F., & Chen, B. (2011). Workshop on online reputation: Context, privacy, and reputation management. In Proceedings of WWW (Companion Volume), March 28April 1 2011 in Hyderabad, ACM, India, 321–322.

  • Bagozzi, R. P., & Yi, Y. (1988). On the evaluation of structural equation model. Journal of the Academy of Marketing Science, 16(1), 74–94.

    Article  Google Scholar 

  • Bart, Y., Shankar, V., Sultan, F., & Urban, G. L. (2005). Are the drivers and role of online trust the same for all web sites and consumers? A large-scale exploratory empirical study. Journal of Marketing, 69(4), 133–152.

    Article  Google Scholar 

  • Bei, L. T., Chen, E. Y. I., & Widdows, R. (2004). Consumers’ online information search behavior and the phenomenon of search vs. experience products. Journal of Family and Economic Issues, 25(4), 449–467.

    Google Scholar 

  • Benamati, J., & Serva, M. A. (2007). Trust and distrust in online banking: Their role in developing countries. Information Technology for Development, 13(2), 161–175.

    Article  Google Scholar 

  • Benamati, J., Serva, M. A., & Fuller, M. A. (2006). Are trust and distrust distinct constructs? An empirical study of the effects of trust and distrust among online banking users. In Proceedings of the 39th Hawaii International Conference on System Sciences, IEEE Computer Society Washington, DC, USA, 06, 121–129.

  • Bogle, J. C. (2009). A crisis of ethic proportions. The Wall Street Journal, 306–312. Resource document http://online.wsj.com/article/SB124027114694536997.html. Accessed 13 Feb 2013.

  • Bosnjak, M., Galesic, M., & Tuten, T. (2007). Personality determinants of online shopping: Explaining online purchase intentions using a hierarchical approach. Journal of Business Research, 60(6), 597–605.

    Article  Google Scholar 

  • Brashear, T. G., Kashyap, V., Musante, M. D., & Donthu, D. (2009). A profile of the Internet shopper: Evidence from six countries. Journal of Marketing Theory and Practice, 17(3), 267–281.

    Article  Google Scholar 

  • Cadogan, J. W., Lee, N., Tarkiainen, A., & Sundqvist, S. (2009). Sales manager and sales team determinants of salesperson ethical behavior. European Journal of Marketing, 43(7/8), 907–937.

    Article  Google Scholar 

  • Chang, Y. S. (2012). Online trust and distrust: Their formations and asymmetric effects. Business and Information, 3(5), 230–254.

    Google Scholar 

  • Chang, Y. S., & Fang, S. R. (2013). Antecedents and distinctions between online trust and distrust: Predicting high-and low-risk Internet behaviors. Journal of Electronic Commerce Research, 14(2), 149–166.

    Google Scholar 

  • Chen, S. C., & Dhillon, G. S. (2003). Interpreting dimensions of consumer trust in e-commerce. Information Technology and Management, 4(2/3), 303–318.

    Article  Google Scholar 

  • Cho, J. (2006). The mechanism of trust and distrust formation and their relational outcomes. Journal of Retailing, 82(1), 25–35.

    Article  Google Scholar 

  • Cho, J. (2007). The effects of trust/distrust on information privacy concerns (IPC) and the moderating roles of individual propensities. International Academy of Business and Economics, 7(3). Resource document. http://www.freepatentsonline.com/article/International-Journal-Business-Research/178900224.html. Accessed 01 Oct 2012.

  • Clarke, R. (2008). B2C distrust factors in the prosumer era. Proceedings of the CollECTeR Iberoamerica, June 2008 in Madrid. Resource document. http://www.rogerclarke.com/EC/Collecter08.html. Accessed 01 Oct 2012.

  • Corbitt, B. J., Thanasankit, T., & Yi, H. (2003). Trust and e-commerce: A study of consumer perceptions. Electronic Commerce Research and Applications, 2(3), 203–215.

    Article  Google Scholar 

  • Dabholkar, P. A. (1996). Consumer evaluations of new technology-based self-service options: An investigation of alternative models of service quality. International Journal of Research in Marketing, 13(1), 29–51.

    Article  Google Scholar 

  • Dabholkar, P. A., & Bagozzi, R. P. (2002). An attitudinal model of technology-based self-service: Moderating effects of consumer traits and situational factors. Journal of the Academy of Marketing Science, 30(3), 184–201.

    Article  Google Scholar 

  • Darke, P. R., Ashworth, L., & Main, K. J. (2010). Great expectations and broken promises: Misleading claims, product failure, expectancy disconfirmation and consumer distrust. Journal of the Academy of Marketing Science, 38(3), 347–362.

    Article  Google Scholar 

  • Davis, M. A., Andersen, M. G., & Curtis, M. B. (2001). Measuring ethical ideology in business ethics: A Critical Analysis of the Ethics Position Questionnaire. Journal of Business Research, 32(1), 35–53.

    Google Scholar 

  • Dimoka, A. (2010). What does the brain tell us about trust and distrust? Evidence from a functional neuroimaging study. MIS Quarterly, 34(2), 373–396.

    Google Scholar 

  • Dorantes, C. A., Hewitt, B., & Goles, T. (2006). Ethical decision-making in an IT context: The roles of personal moral philosophies and moral intensity. In Proceedings of the 39th Annual Hawaii International Conference on System Sciences, HICSS, January 2006, IEEE Computer Society Washington, DC, 8, 206–213.

  • Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1), 39–50.

    Article  Google Scholar 

  • Forsyth, D. R. (1980). A taxonomy of ethical ideologies. Journal of Personality and Social Psychology, 39(1), 175–184.

    Article  MathSciNet  Google Scholar 

  • Forsyth, D. R. (1992). Judging the morality of business practices: The influence of personal moral philosophies. Journal of Business Ethics, 11(5/6), 461–470.

    Article  Google Scholar 

  • Forsyth, D. R., Nye, J. L., & Kelley, K. (1988). Idealism, relativism, and the ethic of caring. The Journal of Psychology, 122(3), 243–248.

    Article  Google Scholar 

  • Forsyth, D. R., O’Boyle, E. H., & McDaniel, M. A. (2008). East meets west: A meta-analytic investigation of cultural variations in idealism and relativism. Journal of Business Ethics, 83(4), 813–833.

    Article  Google Scholar 

  • Frambach, R. T., Roest, H. C. A., & Krishnan, T. V. (2007). The impact of consumer internet experience on channel preference and usage intentions across the different stages of the buying process. Journal of Interactive Marketing, 21(2), 26–41.

    Article  Google Scholar 

  • Gefen, D. (2002). Reflections on the dimensions of trust and trustworthiness among online consumers. Database for Advances in Information Systems, 33(3), 38–53.

    Article  Google Scholar 

  • Grazioli, S., & Jarvenpaa, S. (2000). Perils of internet fraud: An empirical investigation of deception and trust with experienced internet consumers. IEEE Transactions on Systems, Man, and Cybernetics, 30(4), 395–410.

    Article  Google Scholar 

  • Grazioli, S., & Wang, A. (2001). Looking without seeing: Understanding unsophisticated consumers’ success and failure to detect internet deception. In Proceedings of the 22nd International Conference on Information Systems, 193–203.

  • Grodzinsky, F. S., Miller, K. W., & Wolf, M. J. (2011). Developing artificial agents worthy of trust: Would you buy a used car from this artificial agent? Ethics and Information Technology, 13(1), 17–27.

    Article  Google Scholar 

  • Hair, J. D., Anderson, R. E., Tatham, R. L., & Black, W. C. (1998). Multivariate data analysis. Englewood Cliffs, New Jersey, NJ: Prentice-Hall.

    Google Scholar 

  • Hoffman, D., Novak, T. P., & Peralta, M. (1999). Building consumer trust online. Communications of the ACM, 42(4), 80–85.

    Article  Google Scholar 

  • Hofstede, G. (1983). The cultural relativity of organizational practices and theories. Journal of International Business Studies, 14(2), 75–89.

    Article  Google Scholar 

  • House, R. J., & Javidan, M. (2004). Overview of GLOBE. In R. J. House, P. J. Hanges, M. Javidan, P. W. Dorfman, & V. Gupta (Eds.), Culture, leadership, and organizations: The GLOBE study of 62 societies (pp. 9–28). Thousand Oaks, CA: Sage.

    Google Scholar 

  • Hsiao, R. L. (2003). Technology fears: Distrust and cultural persistence in electronic marketplace adoption. Journal of Strategic Information Systems, 12(3), 169–199.

    Article  Google Scholar 

  • Huang, J.-H., & Yang, Y.-C. (2010). The relationship between personality traits and online shopping motivations. Social Behavior and Personality, 38(5), 673–679.

    Article  Google Scholar 

  • Hunt, S. D., & Vitell, S. J. (1986). A general theory of marketing ethics. Journal of Macromarketing, 6(1), 5–16.

    Article  Google Scholar 

  • Ingram, R., Skinner, S. J., & Taylor, V. A. (2005). Consumers’ evaluations of unethical marketing behaviors: The role of customer commitment. Journal of Business Ethics, 62(3), 237–252.

    Article  Google Scholar 

  • Jepsen, A. L. (2007). Factors affecting consumer use of the Internet for information search. Journal of Interactive Marketing, 21(3), 21–34.

    Article  Google Scholar 

  • Jones, T. M. (1991). Ethical decision making by individuals in organizations: An issue contingent model. Academy of Management Review, 16(2), 366–395.

    Google Scholar 

  • Keeling, K., McGoldrick, P., & Beatty, S. (2007). Virtual onscreen assistants: A viable strategy to support online customer relationship building? Advances in Consumer Research, 34(1), 138–144.

    Google Scholar 

  • Klein, J., Moon, Y., & Picard, R. W. (2002). This computer responds to user frustration: Theory, design, and results. Interacting with Computers, 14(2), 119–140.

    Article  Google Scholar 

  • Kramer, R. M. (1999). Trust and distrust in organizations: Emerging perspectives, enduring questions. Annual Review of Psychology, 50(1), 569–598.

    Article  Google Scholar 

  • Landers, R. N., & Lounsbury, J. W. (2006). An investigation of Big Five and narrow personality traits in relation to Internet usage. Computers in Human Behavior, 22(2), 283–293.

    Article  Google Scholar 

  • Larsen, R. (2012). Moral and financial relativism. Idaho State Journal. Resource document. http://www.westernjournalism.com/moral-and-financial-relativism/. Accessed 13 Feb 2013.

  • Lee, M. Y., Kim, Y. K., & Lee, H. J. (2012). Adventure versus gratification: Emotional shopping in online auctions. European Journal of Marketing, 47(1/2), 49–70.

    Google Scholar 

  • Leonidou, L. C., Leonidou, C. N., & Kvasova, O. (2012). Cultural drivers and trust outcomes of consumer perceptions of organizational unethical marketing behavior. European Journal of Marketing, 47(3/4), 525–556.

    Google Scholar 

  • Lewicki, R. J., McAllister, D. J., & Bies, R. J. (1998). Trust and distrust: New relationships and realities. Academy of Management Review, 23(3), 438–458.

    Google Scholar 

  • Long-Chuan, L., Hsiu-Hua, C., & Shih-Ting, Y. (2013). Online shoppers’ perceptions of e-retailers’ ethics, cultural orientation, and loyalty: An exploratory study in Taiwan. Internet Research, 23(1), 47–68.

    Article  Google Scholar 

  • Mandrick, C. A., & Bao, Y. (2005). Exploring the concept and measurement of general risk aversion. Advances in Consumer Research, 32(1), 531–539.

    Google Scholar 

  • McIntyre, F. S., Thomas, J. L., Jr, & Gilbert, F. W. (1999). Consumer segments and perceptions of retail ethics. Journal of Marketing Theory and Practice, 7(2), 43–53.

    Google Scholar 

  • McKnight, D. H., & Chervany, N. L. (2001). Trust and distrust definitions: One bite at a time. In R. Falcone, M. Singh, & Y. H. Tan (Eds.), Trust in cyber-societies (pp. 27–54). Berlin, Heidelberg: Springer.

    Chapter  Google Scholar 

  • McKnight, D. H., & Choudhury, V. (2006). Distrust and trust in B2C e-commerce: Do they differ? In Proceedings of the 8th International Conference on Electronic Commerce, ICEC, August 2006 in Fredericton, New Brunswick, Association for Computing Machinery, ACM, Canada, 482–491.

  • McKnight, D. H., & Kacmar, C. J. (2006). Factors of information credibility for an internet advice site. In Proceedings of the 39th Annual Hawaii International Conference on System Sciences, HICSS, Jan 2006, IEEE Computer Society Washington, DC, USA, 113–123.

  • McKnight, D. H., Kacmar, C. J., & Choudhury, V. (2003). Whoops… Did I use the wrong concept to predict e-commerce trust? Modeling the risk-related effects of trust versus distrust concepts. In Proceedings of the 36th Hawaii International Conference on System Science HICSS, Jan 2003, IEEE Computer Science, USA, 182–192.

  • McKnight, D. H., Kacmar, C. J., & Choudhury, V. (2004). Dispositional trust and distrust distinctions in predicting high- and low-risk internet expert advice site perceptions. e-Service Journal, 3(2), 35–58.

    Article  Google Scholar 

  • Mitchell, S. (1996). The official guide to american attitudes: Who thinks what about the issues that shape our lives. Ithaca, NY: New Strategist.

    Google Scholar 

  • Miyazaki, A. D., & Fernandez, A. (2001). Consumer perceptions of privacy and security risks for online shopping. Journal of Consumer Affairs, 35(1), 27–44.

    Article  Google Scholar 

  • Mohr, J., Sengupta, S., & Slater, S. (2009). Marketing of high-technology products and innovations. New Jersey, NJ: Prentice Hall.

    Google Scholar 

  • Monsuwe, T. P. Y., Dellaert, B. G. C., & Ruyter, K. D. (2004). What drives consumers to shop online? A literature review. International Journal of Service Industry Management, 15(1), 102–121.

    Article  Google Scholar 

  • Mukherjee, A., & Nath, P. (2007). Role of electronic trust in online retailing: A re-examination of the commitment-trust theory. European Journal of Marketing, 41(9/10), 1173–1202.

    Article  Google Scholar 

  • Nowell, C., & Stanley, L. R. (1991). Length-biased sampling in mall intercept surveys. Journal of Marketing Research, 28(4), 475–479.

    Article  Google Scholar 

  • Ou, C. X. J., & Sia, C. L. (2010). Consumer trust and distrust: An issue of website design. The International Journal of Human-Computer Studies, 68(12), 913–934.

    Article  Google Scholar 

  • Pavlou, P. A., & Gefen, D. (2004). Building effective online marketplaces with institution-based trust. Information Systems Research, 15(1), 37–59.

    Article  Google Scholar 

  • Pavlou, P. A., & Gefen, D. (2005). Psychological contract violation in online marketplace: Antecedents, consequences, and moderating role. Information Systems Research, 16(4), 372–399.

    Article  Google Scholar 

  • Pavlou, P. A., Liang, H., & Xue, Y. (2007). Understanding and mitigating uncertainty in online exchange relationships: A principal-agent perspective. MIS Quarterly, 31(1), 105–136.

    Google Scholar 

  • Podsakoff, P. M., MacKenzie, S. B., Lee, J. Y., & Podsakoff, N. P. (2003). Common method biases in behavioral research: A critical review of the literature and recommended remedies. Journal of Applied Psychology, 88(5), 879–903.

    Article  Google Scholar 

  • Qualls, W. J., & Puto, C. P. (1989). Organizational climate and decision framing: An integrated approach to analyzing industrial buying decisions. Journal of Marketing Research, 26(2), 179–192.

    Article  Google Scholar 

  • Ramsey, R. P., Marshall, G. W., Johnston, M. W., & Deeter-Schmelz, D. R. (2007). Ethical ideologies and older consumer perceptions of unethical sales tactics. Journal of Business Ethics, 70(2), 191–207.

    Article  Google Scholar 

  • Rawwas, M. Y. A. (2001). Culture, personality and morality a typology of international consumers’ ethical beliefs. International Marketing Review, 18(2), 188–211.

    Article  Google Scholar 

  • Román, S. (2007). The ethics of online retailing: A scale development and validation from the consumers’ perspective. Journal of Business Ethics, 72(2), 131–148.

    Article  Google Scholar 

  • Román, S. (2010). Relational consequences of perceived deception in online shopping: The moderating roles of type of product, consumer’s attitude toward the internet and consumer’s demographics. Journal of Business Ethics, 95(3), 373–391.

    Article  Google Scholar 

  • San Martín, S., & Camarero, C. (2008). Consumer trust to a web site: Moderating effect of attitudes toward online shopping. CyberPsychology & Behavior, 11(5), 549–554.

    Article  Google Scholar 

  • San Martín, S., & Jiménez, N. H. (2011). Online buying perceptions in Spain: Can gender make a difference? Electronic Markets, 21(4), 267–281.

    Article  Google Scholar 

  • Schlenker, B. R., & Forsyth, D. R. (1977). On the ethics of psychological research. Journal of Experimental Social Psychology, 13(4), 369–396.

    Article  Google Scholar 

  • Singh, J., & Sirdeshmukh, D. (2000). Agency and trust mechanisms in relational exchanges. Journal of the Academy of Marketing Science, 28(1), 150–167.

    Article  Google Scholar 

  • Sitkin, S. B., & Pablo, A. L. (1992). Reconceptualizing the determinants of risk behavior. The Academy of Management Review, 17(1), 9–38.

    Google Scholar 

  • Sitkin, S. B., & Roth, N. L. (1993). Explaining the limited effectiveness of legalistic: Remedies for trust/distrust. Organization Science, 4(3), 367–392.

    Article  Google Scholar 

  • Steenhaut, S., & Kenhove, P. V. (2006). An empirical investigation of the relationships among a consumer’s personal values, ethical ideology and ethical beliefs. Journal of Business Ethics, 64(2), 137–155.

    Article  Google Scholar 

  • Stone, E. F., & Hollenbeck, J. R. (1989). Clarifying some controversial issues surrounding statistical procedures for detecting moderator variables: Empirical evidence and related matters. Journal of Applied Psychology, 74(21), 3–10.

    Article  Google Scholar 

  • Sudman, S. (1980). Improving the quality of shopping center sampling. Journal of Marketing Research, 17(4), 423–431.

    Article  Google Scholar 

  • Susskind, A. M. (2004). Electronic commerce and World Wide Web apprehensiveness: An examination of consumers’ perceptions of the World Wide Web. Journal of Computer-Mediated Communication, 9(3). Resource document: http://jcmc.indiana.edu/vol9/issue3/susskind.html. Accessed 01 Oct 2012.

  • Susskind, A. M., & Stefanone, M. A. (2010). Internet apprehensiveness: An examination of on-line information seeking and purchasing behavior. Journal of Hospitality and Tourism Technology, 1(1), 5–29.

    Article  Google Scholar 

  • Swaminathan, V., Lepkowska-White, E., & Rao, B. P. (1999). Browsers or buyers in cyberspace? An investigation of factors influencing electronic exchange. Journal of Computer-Mediated Communication, 5(2). Resource document: www.ascusc.org/jcmc/vol5/issue2/swaminathan.html. Accessed 01 Oct 2012.

  • Van Noort, G., Kerkhof, P., & Fennis, B. M. (2008). The persuasiveness of online safety cues: The impact of prevention focus compatibility of web content on consumers’ risk perceptions, attitudes, and intentions. Journal of Interactive Marketing, 22(4), 58–72.

    Article  Google Scholar 

  • Vila, N., & Küster, I. (2012). The role of usability on stimulating SME’s on line buying intention: An experiment based on a fictitious web site design. Quality & Quantity, 46(1), 117–136.

    Article  Google Scholar 

  • Vitell, S. J., Lumpkin, J. R., & Rawwas, M. Y. A. (1991). Consumer ethics: An investigation of the ethical beliefs of elderly consumers. Journal of Business Ethics, 10(5), 365–375.

    Article  Google Scholar 

  • Vitell, S. J., Nwachukwu, S. L., & Barnes, J. H. (1993). The effects of culture on ethical decision-making: An application of Hofstede’s typology. Journal of Business Ethics, 12(10), 753–760.

    Article  Google Scholar 

  • Vitell, S. J., & Paolillo, J. G. P. (2003). Consumer ethics: The role of religiosity. Journal of Business Ethics, 46(2), 151–162.

    Article  Google Scholar 

  • Vitell, S. J., Paolillo, J. G., & Thomas, J. L. (2003). The perceived role of ethics and social responsibility: A study of marketing professionals. Business Ethics Quarterly, 13(1), 63–86.

    Article  Google Scholar 

  • Winter, S. J., Stylianou, A. C., & Giacalone, R. A. (2004). Individual differences in the acceptability of unethical information technology practices: The case of Machiavellianism and ethical ideology. Journal of Business Ethics, 54(3), 279–301.

    Article  Google Scholar 

  • Wolfinbarger, M., & Gilly, M. (2001). Shopping online for freedom, control and fun. California Management Review, 43(2), 34–53.

    Article  Google Scholar 

  • Yang, M. H., Chandlrees, N., Lin, B., & Chao, H. Y. (2009). The effect of perceived ethical performance of shopping websites on consumer trust. Journal of Computer Information Systems, 50(1), 15–24.

    Google Scholar 

  • Zhang, Y., Fang, Y., Wei, K–. K., Ramsey, E., McCole, P., & Chen, H. (2011). Repurchase intention in B2C e-commerce: A relationship quality perspective. Information & Management, 48(6), 192–200.

    Article  Google Scholar 

Download references

Acknowledgments

The authors thank the reviewers for their helpful comments. This research was supported by the grant ECO2012-35766 from the Spanish Ministry of Economics and Competitiveness and by the Fundación Séneca-Agencia de Ciencia y Tecnología de la Región de Murcia (Spain), under the II PCTRM 2007–2010. Authors also thank the support provided by Fundación Cajamurcia.

Author information

Authors and Affiliations

Authors

Corresponding author

Correspondence to Sergio Román.

Rights and permissions

Reprints and permissions

About this article

Cite this article

Riquelme, I.P., Román, S. The relationships among consumers’ ethical ideology, risk aversion and ethically-based distrust of online retailers and the moderating role of consumers’ need for personal interaction. Ethics Inf Technol 16, 135–155 (2014). https://doi.org/10.1007/s10676-014-9341-x

Download citation

  • Published:

  • Issue Date:

  • DOI: https://doi.org/10.1007/s10676-014-9341-x

Keywords

Navigation