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Journal of Theoretical and Applied Electronic Commerce Research is published by MDPI from Volume 16 Issue 3 (2021). Previous articles were published by another publisher in Open Access under a CC-BY 3.0 licence, and they are hosted by MDPI on mdpi.com as a courtesy and upon agreement with Faculty of Engineering of the Universidad de Talca.
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Article

Personality Type Effects on Perceptions of Online Credit Card Payment Services

by
Steven Walczak
1 and
Gary L. Borkan
2
1
University of South Florida, School of Information, Tampa, FL, USA
2
Auraria Higher Education, Information Technology Department, Denver, CO, USA
J. Theor. Appl. Electron. Commer. Res. 2016, 11(1), 67-83; https://doi.org/10.4067/S0718-18762016000100005
Submission received: 22 September 2014 / Revised: 13 May 2015 / Accepted: 18 May 2015 / Published: 1 January 2016
Versions Notes

Abstract

Credit cards and the subsequent payment of credit card debt play a crucial role in e-commerce transactions. While website design effects on trust and e-commerce have been studied, these are usually coarse grained models. A more individualized approach to utilization of online credit card payment services is examined that utilizes personality as measured by the Myers-Briggs personality type assessment to determine variances in perception of online payment service features. The results indicate that certain overriding principles appear to be largely universal, namely security and efficiency (or timeliness) of the payment system. However there are differences in the perceived benefit of these features and other features between personality types, which may be capitalized upon by payment service providers to attract a broader base of consumers and maintain continuance of existing users.
Keywords: Credit-card; Electronic commerce; Myers-Briggs; Payment portals; Personality; Portal features Credit-card; Electronic commerce; Myers-Briggs; Payment portals; Personality; Portal features

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MDPI and ACS Style

Walczak, S.; Borkan, G.L. Personality Type Effects on Perceptions of Online Credit Card Payment Services. J. Theor. Appl. Electron. Commer. Res. 2016, 11, 67-83. https://doi.org/10.4067/S0718-18762016000100005

AMA Style

Walczak S, Borkan GL. Personality Type Effects on Perceptions of Online Credit Card Payment Services. Journal of Theoretical and Applied Electronic Commerce Research. 2016; 11(1):67-83. https://doi.org/10.4067/S0718-18762016000100005

Chicago/Turabian Style

Walczak, Steven, and Gary L. Borkan. 2016. "Personality Type Effects on Perceptions of Online Credit Card Payment Services" Journal of Theoretical and Applied Electronic Commerce Research 11, no. 1: 67-83. https://doi.org/10.4067/S0718-18762016000100005

APA Style

Walczak, S., & Borkan, G. L. (2016). Personality Type Effects on Perceptions of Online Credit Card Payment Services. Journal of Theoretical and Applied Electronic Commerce Research, 11(1), 67-83. https://doi.org/10.4067/S0718-18762016000100005

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