1. Introduction
Online businesses are often challenged when it comes to keeping their existing customers while simultaneously targeting new customers [
1]. In the online environment, Anderson and Srinivasan [
2] (p. 125) refer to loyalty to as “a customer‘s favorable attitude towards an electronic business, resulting in repeat purchasing behavior”. E-loyalty denotes a consumer’s willingness to purchase products/services from a specific website, with the consumer being unlikely to shift to buy from other websites [
3]. Online loyalty is related to convenience, price of products/services, privacy, product presentation, quality of customer support and competency in terms of meeting delivery commitments [
4]. In both online and offline shopping contexts, customer acquisition is viewed as a high cost process, and customer relationships tend to be unprofitable in the early years [
5]. However, in later years, when the outgoing costs associated with serving loyal customers decreases, and the number of their purchases increases, such relationships generate significant returns. This economic pattern of early losses followed by increasing revenues, is essentially amplified in online environments. The costs associated with acquiring customers are often noticeably higher in online than in traditional channels.
Thus, the literature points out that the value of loyalty in online environments is greater than that found in physical/traditional environments [
6]. This assumption relates to various economic and competitive factors. For example, unlike a traditional environment, the initial cost of acquiring customers through online channels is much higher. Consequently, without customer retention and repeated purchases over time, high levels of financial revenue will remain elusive. Furthermore, since online stores can easily expand their diversity in terms of products/services, loyal customers are inclined to consolidate their buying activities with only one supplier [
4]. This means that online stores can sell more and offer a wider range of services/products to their loyal customers. Moreover, another economic benefit can be achieved through referrals from loyal customers. Loyal customers constantly refer new potential customers to stores/suppliers, generating additional generous sources of profit [
6]. Since the cost of acquiring these referred customers is so little, the online store commences to generate earnings far earlier in their life cycle [
7]. Furthermore, in all industries, companies now devote considerable efforts to harnessing the capabilities of the Web to create unique value for customers [
8]. By doing so, these companies are going to achieve much more profitable relationships with customers compared to those rivals which are slow to recognise the potential of the Web for their customers.
According to Srinivasan et al. [
9] (p. 41), developing customer e-loyalty is recognized as a huge challenge since “competing businesses in the world of electronic commerce are only a few mouse clicks away”, and the customers are able to assess alternative choices with little effort and time. However, in contradiction of the above view that questions the loyalty of online customers, Shankar et al. [
10] state that online customers not only buy frequently on websites with which they have developed a decent relationship, but also are inclined to combine their purchases using major online retailers, demonstrating a considerable tendency towards loyalty. E-loyalty brings superior revenue to the online retailer. Specifically, Van-Riel et al. [
11] explain that loyal online customers buy and spend more than newly-acquired customers. In addition, they can be served with minimal functional costs. These previous studies indicate that e-loyalty is valuable for e-retailers because it strengthens their survival chances in the strong competition environment encountered on the Internet.
Customer satisfaction is vital for the sustainability of all businesses. E-satisfaction is referred to by Anderson and Srinivasan [
2] (p. 125) as “the contentment of the customer with respect to his or her prior purchasing experience with a given electronic commerce firm”. Customer satisfaction reflects the extent to which customers’ expectations with regard to a product/service are fulfilled, which can act as a demonstration of consistency between the expected and the actual performance with regard to the purchased product/service [
5]. In other words, customer satisfaction is considered as the outcome of a comparison between expectations and experience, and satisfaction is attained when the final deliverable(s) meets or even exceeds the customers’ expectations. Moriuchi and Takahashi [
1] point out that satisfaction evaluates a customer’s overall purchasing and consumption experience in terms of a product/service over a period of time. The more the gap between expectations and actual performance is reduced, the greater is the consumer’s satisfaction. Alam and Yasin [
12] state that when customers are satisfied, and their expectations have been met or exceeded by the service provider, the customer’s intention to repurchase is most likely to reinforced. Thus, e-satisfaction is a fundamental factor when it comes to retaining customers, and subsequently this has a direct effect on customer loyalty [
13,
14,
15].
Trust is an essential component in the process of online shopping decision-making because it is recognized as one of the main critical aspects in terms of developing successful and sustainable relationships with customers [
16,
17,
18]. Trust represents a set of beliefs that a customer has with respect to some characteristics of a service provider and its future behaviour [
19]. Such beliefs relate to the actual delivery of a promised service. Trust existence is fundamental for customers, especially during the first-time exchange with a service provider. However, trust develops as the relationship is developed due to the additional experience that the customer gains. Although the literature highlights several dimensions of trust, the perceptions of benevolence and honesty are the most important ones. Perceived honesty represents the degree to which customers believe that a service provider is sincere, and capable to keeping its promises. On the other hand, benevolence demonstrates the extent to which a customer believes that a service provider will not engage in opportunistic behaviour and is concerned about the customer’s welfare, and that its ultimate goal is seeking joint benefits. Similarly, it has been assumed that trust is a result of beliefs that contend with competence (the ability of the service provider to accomplish and meet customer’s expectations and needs), integrity (the service provider’s promise-keeping and honesty), predictability (the consistency of the service provider’s behaviours), and benevolence (the service provider’s motivation and instances of it acting in the customer’s interests) [
20]. The above-mentioned dimensions of trust can be applied to all commercial contexts, but trust has a particularly great impact in e-commerce, as it is considered by McKnight and Chervany [
21] as “an excursion beyond the unknown into the unknowable”. Therefore, Ribbink et al. [
22] point out that e-trust is viewed as “the degree of confidence customers have in online exchanges or in the online exchange channel”. The establishment of e-trust can significantly reduce risk perceptions related to the use of a service or the performing of an exchange.
2. Study Significance and Rationale
E-trust and e-satisfaction have a pivotal role to play in developing e-loyalty. Many scholars have confirmed that e-trust and e-satisfaction impact e-loyalty at an individual level (e.g., [
13,
23], or in a chronological sequence “e-trust → e-satisfaction → e-loyalty” (e.g., [
5]). However, despite the empirical evidence that endorses the significant influence of e-satisfaction and e-trust on e-loyalty, investigating the determinants of e-satisfaction and e-trust has been narrowly understood in the process of developing e-loyalty. Accordingly, it is important to investigate the role of potential components as critical determinants of e-satisfaction and e-trust in the model of e-loyalty. Thus, the research model employs the eTail quality (eTailQ) scale developed by Wolfinbarger and Gilly [
24] which uses e-service quality to predict e-trust, e-satisfaction and e-loyalty. ETailQ in this study is measured “from the beginning to the end of transaction, including information search, website navigation, ordering, interactions, delivery and satisfaction with the ordered product” (p. 183). The concept of eTail quality embraces facets related to online transactions as well as offline fulfillment, which have been scarcely examined in previous research. An online consumer’s repurchasing decision is based on complex assessments of the full service offer. The majority of transactions commence online and are completed offline. However, previous empirical studies have overlooked the distinctive complementary roles of offline fulfillment and website performance in investigating the development process of e-loyalty. For instance, previous studies have mainly focused on website quality [
25], interactivity with the website [
26], service quality [
27], website design [
28], or website [
29]. While these studies offer a framework for evaluating the eTailQ scale, they fail to recognize the fact that eTailQ is not solely about consumer interaction with a website [
30].
Consequently, this study conceptualizes eTailQ as a multidimensional scale, examining the distinctive role of each eTailQ dimension on the process of developing e-loyalty. Specifically, the four adopted dimensions of eTailQ are: security/privacy, fulfillment/reliability, customer service and website design. Several studies, such as that of Chang and Wang [
31], have offered a comprehensive model and framework to explain the process of developing e-loyalty. The models contained in these studies include various determents such as service quality, satisfaction, perceived value and trust. However, these studies employed e-service quality as a unidimensional concept which, in turn, resulted in limiting the practical implications. Thus, by investigating the critical role of each of the four dimensions of eTailQ to explain e-loyalty development, the current study can offer a more comprehensive and complete understanding of eTailQ in the research model.
Moreover, despite the wide recognition and popularity of the eTailQ scale, it has been subjected to various criticisms [
32]. For instance, various studies have questioned its dimensionality, appropriateness and consistency [
33]. Furthermore, the scale has been criticised for the limited attention given to the dimension of customer service [
34]. More importantly, Connolly et al. [
35] state that the majority of e-service quality scales, including eTailQ, were developed prior to the emergence of Web 2.0 technologies, and the wide penetration of social media technologies to e-commerce. As a result, the significant impact of social influence on the behaviour of consumers’ online shopping has been overlooked. Accordingly, it is vital to modify the eTailQ scale to ensure that it can capture the unique aspects of Web 2.0 and social media on service quality. Integrating Web 2.0 technologies and social media platforms into e-commerce websites has resulted in the emergence of the concept of social commerce [
36,
37]. Shopping is perceived as a social activity, and social relationships have a significant impact on customers’ purchase decisions. The eTailQ scale emphasises the need to evaluate the quality of the service platform, and to ignore the value rooted in the activities of social commerce (i.e., corporate social media), which has resulted in further criticism of the scale. Thus, this research aims to extend the eTailQ scale by incorporating the construct of social commerce components or electronic word-of-mouth (eWOM) as a key determinant of e-satisfaction and e-trust, and subsequently e-loyalty. eWOM is generally considered as any online negative/positive statement made by customers (former, actual, or potential) about a product/service or a firm. This research believes that eWOM is a fundamental element of e-service quality, as it is viewed as a credible and trustworthy source of information that can guide the process of online purchases. It is believed to be another dimension to signify the importance of customer service through accessing prior purchase information and the experiences of former customers to address e-service quality issues. Such access to valuable information and experiences can be significantly employed to assess customers’ trust and reputation, and therefore loyalty towards a company. Furthermore, this study explores the indirect effect of reputation on e-loyalty through e-trust. Jordan, as a developing country, is viewed as a collectivist and high uncertainty avoidance culture. In such a culture, trust can be developed through a transference process. In such cultures where interpersonal ties and solidarity prevail, customers are inclined to consider others to be similar to themselves [
38]. Accordingly, while an organization’s trust is recognized as a critical proof source, it is more likely to transfer the organization’s reputation to trust. Therefore, the main objectives of this paper as follows:
Extend the eTailQ scale to include social commerce components (SCC) as the fifth dimension of the scale, and empirically validate the proposed extension.
Examine the effects of each sub-dimension of the eTailQ scale (including the new dimension) as antecedents of e-trust and e-satisfaction, and subsequently e-loyalty.
Examine the role of reputation on the process of developing e-loyalty.
6. Discussion
E-trust and e-satisfaction are found to influence e-loyalty both in parallel and sequentially. Similar to [
103] and [
104], e-satisfaction is found to have a significant positive influence on e-loyalty. Such results indicate that when customers are satisfied with a particular e-commerce website, then they develop a favourable response (purchase or repurchase). Subsequently, this results in increasing customers’ loyalty towards an e-retailer’s website. E-trust is also found to have a positive and significant impact on e-loyalty. While this finding is evidently confirmed by [
105,
106], the result is inconsistent with Eid [
13] who found e-trust has an insignificant influence on e-loyalty. The more an e-retailer’s portal is perceived to be trustworthy, the more likely customers will be loyal and frequently transact with the portal. Furthermore, e-trust not only has a direct impact on e-loyalty, but also has an indirect influence on e-loyalty through e-satisfaction. Consistent with [
18,
107], e-trust has a significant direct influence on e-satisfaction. The findings confirm that e-trust is a major determinant of e-satisfaction. E-trust in an online shopping environment can be an effective factor in maintaining long-term relationships between customers and service providers. High perceptions of e-trust can considerably diminish the high level of uncertainty related to an online environment and motivate customers to transact online with service providers. In contrast, customers are unlikely to perform transactions through a website which is unable to provide a sense of trust.
E-trust acts as mediator between reputation and e-loyalty. In line with prior research [
55,
108,
109], the results confirm that reputation is recognized as a fundamental aspect that effects e-trust. Reputation has a positive significant impact on e-trust. This indicates that the better an e-retailer’s reputation, the higher customers’ e-trust in the retailer. In online shopping, it is hard for customers to determine e-retailers’ benevolence (e-retailer’s unwillingness to exploit the vulnerability of customers) [
38]. Thus, e-trust is concerned with customers’ confidence and belief that promises made by e-retailers can be reliable (i.e., credibility). An e-retailer with a considerable reputation is expected to be unwilling to risk e-trust by failing to deliver promises and fulfil obligations. Because e-retailers with a good reputation highly perceive untrustworthy behaviour forbidden, customers are keen to trust e-retailers with a good reputation over those with poor reputation.
Additionally, e-trust and e-satisfaction are also found to mediate the relationships between eTailQ service dimensions and e-loyalty. In agreement with [
5] and [
13], security/privacy has a significant positive influence on e-trust. This indicates that the more customers’ confidence in e-retailers to protect their personal and financial information increases, the more customers will trust and share such information, and conduct transactions with the e-retailer. Such findings stress that data security/privacy assurance is deemed to be a crucial factor in constructing e-trust. E-trust in an e-retailer may be weighted significantly based on customers’ concerns with respect to the misuse of their monetary and personal information. Thus, the safeguarding of personal and financial information throughout an online transaction and in storage is one of the key factors that help e-retailers grow and continue in the market. While security/ privacy is found as a key factor that influences e-trust, security/privacy is found to be a weak antecedent of e-satisfaction. The insignificant influence of security/privacy on e-satisfaction is in agreement with [
5,
13,
80], and inconsistent with [
73,
110]. Such findings may refer to the fact that customers lack the experience to directly judge the security/privacy of an e-commerce website. Moreover, in light of increasing confidence in online transactions, customers have begun to recognise security/privacy as a spontaneous characteristic.
The findings also offer sufficient evidence to suggest that website design has a significant role in the process of developing customers’ e-satisfaction. Such a finding is in agreement with [
30,
80], but inconsistent with [
47]. Empirical evidence has demonstrated that the quality of website design is vital in building e-satisfaction. The quality of website design represents the physical reflection of e-retailers’ competences in enabling effortless usage of their websites. Characteristics of website design (i.e., navigation, interface, website content) are important for the customer to have a joyful and favourable shopping experience. Customers’ perception of e-satisfaction is increased when they perceive an e-commerce website design as intuitive, visually appealing, with a clear layout, usable, easy to navigate, easy to interact with, and the provision of quality and easy to access information.
In line with [
80] but in contrast to [
30], customer service (or responsiveness) has a positive influence on both e-trust and e-satisfaction. Customer service is considered as a convincing procedure offered by an e-retailer to online customers to solve or address any potential issues or problems. Online customers expect e-retailers to respond to their enquires promptly. In online shopping, customer service signifies the importance of prompt response and timely assistance to customers. Ali et al. (2017) explain that online customers need a speedy response to their enquiries, and therefore decent responsiveness may significantly influence customers’ satisfaction. Additionally, it represents the desire to effectively and timely address customers’ requests and enquires with any issue or concerns they may encounter, especially during and after purchasing. A response in a timely manner and support to customers leads to a decrease in uncertainty and increases perceived convenience, and therefore increases satisfaction and trust.
Consistent with [
5], fulfilment/reliability has positive influence on e-trust and e-satisfaction. Offline fulfilment represents the closing loop of a product/receiver purchase in the online scenario, and therefore positive influences on trust and satisfaction were anticipated. In online shopping, customers cannot directly (face-to-face) interact with e-retailers, and they cannot physically evaluate and examine products. Thus, customers need to be assured that their purchased products will be received as expected. In the context of online retailing, e-retailers pick-up products that customers have ordered. Customers may be concerned with not receiving the exact products that they have ordered. Additionally, customers fear that products can be damaged while shipping. Consequently, it is critical to ensure the delivery of the right products, in the promised condition, within the expected time frame.
Social commerce components (or eWOM) are found to have a positive influence on e-trust. Such a result confirms the findings of previous studies [
111,
112]. Additionally, similar to [
113], social commerce components (or eWOM) have a positive impact on reputation. This demonstrates that the more customers have access to former customers’ purchase experience, the more potential/actual customers will trust e-retailers and subsequently increase their reputation. EWOM (i.e., social media, reviews, forums, recommendation systems) is viewed as a trustworthy source of information for customers. Social commerce components (or eWOM) represent methods of online communication and information exchange about products/services and e-retailers, between receivers (potential or actual customers) and senders (former customers). To the receivers, the senders of information have no commercial intent, which therefore makes such information more credible when compared to e-retailers’ website information and other commercial channels such as advertisements. EWOM, through social commerce components, allows customers to have various channels to provide and share their purchase experience about products/services and e-retailers without any interruption.
According to Al-Adwan and Kokash [
36], customers tend to trust information acquired from other customers on social commerce components (i.e., reviews, feedback, comments on social media) because such acquired information is recognised as independent and protected from e-retailers’ interference. Thus, customers are allowed to explore the previous experience of former customers with products/services which allows them to evaluate the trustworthiness of e-retailers regarding any issues with respect to e-service quality. Additionally, the act of allowing customers to freely share their experiences about purchased products/services and interaction is recognised as a trustworthy behaviour from e-retailers. This is because such behaviour shows that e-retailers have high transparency, refrain from hiding information and avoid any untrustworthy and opportunistic behaviour against customers [
37]. As result, this scenario significantly increases customers’ e-trust in e-retailers. In addition, eWOM can be seen and used as an effective tool for customer service, especially in terms of the complaint resolution process. Fruitful negotiation and problem solving through such components (i.e., Facebook) may allow customers to have a positive perception and experience due to feelings of being respected, as e-retailers has provided sufficient attention to solve a problem. Such feelings and satisfaction subsequently motivate customers to spread and share positive information concerning e-retailers with peers, friends and communities via social media platforms and other Web 2.0 technologies. As a result, sharing and spreading positive information increases e-retailers’ reputation and encourages the purchase potential of online customers.
7. Theoretical and Practical Implications
From a theoretical standpoint, the eTailQ scale has been extensively criticised due to the absence of social influence on online shopping. The scale was developed before the emergence of Web 2.0 technologies and the increased use of social media in e-commerce. Hence, this study fills this gap by extending the eTailQ scale to include the social aspect of e-commerce as an important dimension of e-service quality. Specifically, it presents social commerce components (or eWOM) as a new dimension to the eTailQ scale. The study provided empirical evidence that confirms the validity of the extended scale. Nowadays, online customers’ expectations and demands are high and require e-retailers to develop various strategies that enhance the quality of e-service provided to customers. This study offered an empirically tested and conceptually derived measurement model specification for the eTailQ scale. It confirms the distinct dimensions of the eTailQ scale that should be used as strategy of sensing opportunities in developing e-loyalty. Extending the eTailQ scale will offer future investigations a foundation to discover various strategic patterns of developing e-trust and e-satisfaction, and subsequently e-loyalty in different contexts.
From managerial and practical perspectives, it is important to note that e-loyalty relies on both e-trust and e-satisfaction, and the determinants of these two constructs are different. This study investigated the role of each dimensions of the extended eTailQ scale separately on e-satisfaction and e-trust. This would offer useful managerial and practical implications, as online businesses operating in the digital space will benefit from a clear framework that describes how they can identify opportunities of developing e-loyalty embedded in their relationships with customers, which will aid them to communicate responsively and interact effectively with their customers in the digital space.
Besides its direct influence on e-loyalty, e-trust has an indirect influence on e-loyalty through e-satisfaction. Such a finding supports prior notions of the key role of e-trust in building e-loyalty. Online transactions are by their nature associated with perceptions of high risk, and trust is viewed to be a fundamental element in reducing perceptions of high risk. As a result, e-retailers should recognise that to develop both e-loyalty and e-satisfaction, there is the necessary prior foundation of e-trust.
Social commerce is recognised as the newest form of e-commerce that supports and facilitates the social aspect of online shopping experiences. The main characteristics that influence online social commerce are significantly different from the characteristics of traditional e-commerce websites. Thus, this research identifies social commerce components—CCS (or eWOM) as a new aspect of e-service quality. It has an indirect and positive influence on e-loyalty. This indirect influence is generated through e-trust and e-satisfaction. SCC acts as one of the key predictors of customers’ e-trust and e-satisfaction. Such a finding suggests that a well-designed e-commerce website should include numerous features and tools of Web 2.0 technologies (i.e., reviews, ratings, recommendations systems, forums, etc.) and it should be connected to social networking platforms (i.e., Facebook, Instagram, etc.). Such technologies and connections to social media platforms can significantly deliver customers a sense of sociability during the entire experience with the website. Specifically, in order to enhance customers’ e-trust and e-satisfaction with an e-commerce website, it is critical to incorporate various Web 2.0 technologies within e-commerce websites, and connect these websites to different social network platforms. In doing so, customers can access more reliable and social information that has been generated from former customers’ experiences and feedback about specific products and e-retailers. Such practice would lead to the reduction of customers’ perception of uncertainty by offering them a trustworthy source of information other than the website of e-retailers. Furthermore, this action would increase the reliability of e-retailers as it is an important indication of transparency and deters the hiding of information from customers.
This research also demonstrates that security/privacy is a fundamental aspect of e-service quality that indirectly influences e-loyalty through e-trust. This result shows that the positive perception of security/privacy by customers is associated with high perceptions of e-trust, which in turn leads to enhanced e-loyalty. Subsequently, e-retailers should be aware that it is important for customers to have a safe experience during the use of their website. For instance, effective policies and statements of security/privacy procedures should be clearly developed, explained and stated. More importantly, since customers’ sensitive, personal and financial information will be exchanged during online transactions, it is fundamental to secure such information by employing certified security/privacy programs and solutions. For example, the management of e-commerce websites should rely on professional, trusted and well-established third party providers (i.e., PayPal) to guarantee secure e-payments. Such actions can decrease customer anxiety with respect to fulfilment and security.
Website design is highlighted as another key factor in e-service quality that indirectly influences e-loyalty through e-satisfaction. This study demonstrates the design of an e-commerce website correlates significantly with customers’ satisfaction. Designers and developers of e-commerce websites should take into account that when website design is considered tangible cues can be used to boost customers’ e-satisfaction. Satisfied customers need a usable, simple and intuitive user interface design that displays information in a clear manner. Additionally, a high quality website design guarantees user-friendly with aspects such as quick and easy sign in/up, searching with minimum clicks, customised search options and speedy access to the web. Such features decrease the cost, time and effort associated with searching, processing and using information. Additionally, the management of e-commerce websites are advised to carry out constant online surveys that allow customers to express their interaction and experience with the website, and therefore perform informed and effective site improvements.
The results also empirically confirm the reputation-trust link. The findings suggest that reputation has an indirect impact on e-loyalty through e-trust. The increased use of an e-commerce website can significantly enhance customers’ e-trust and subsequently their e-loyalty. It has been argued that building an online reputation is not an easy task for e-retailers (especially for solely online retailers compared to multi-channel retailers), as customer have limited signals compared to what they have in traditional physical stores. Accordingly, practitioners should centre their efforts on increasing the reputation of their services/products and enhance customer satisfaction in order to compete strongly by encouraging customers to share and exchange eWOM. As a result, e-retailers should be involved in friendly communications with customers to increase e-trust and therefore e-loyalty. Additionally, e-retailers can incorporate trust and reputation systems into their websites to evaluate the credibility of the current state and information of their reputation.
The findings suggest that customer service (responsiveness) has direct and positive influences on e-trust and e-satisfaction. Customers involved in online shopping need fast feedback on their questions and enquiries, and they expect e-retailers to respond to their enquiries and questions instantly. Thus, e-retailers should put more effort into providing customers with accurate and error-free information and appropriate solutions in a prompt manner, especially when customers have questions or problems. It is noteworthy to mention that e-retailers should realise that some aspects of responsiveness are related to the functionality of websites. For example, the functionality of e-commerce websites should provide instant service, helpful and clear guidance when a problem occurs, and offer accurate information about when the ordered service will be actioned, or the ordered products delivered. Such actions can lead to customer satisfaction by keeping them informed about all aspects related their ordered products/services, and to trust that e-retailers are easily contactable and available immediately for effective help in addressing issues.
Fulfilment/Reliability has positive direct effects on e-loyalty and e-satisfaction. This finding values the importance of performing services or delivering products on time and as ordered. In other words, customers expect to receive the exact quantity and quality of products/services they ordered within the time schedule promised by e-retailers, and they also expect to be charged correctly by e-retailers. Accordingly, e-retailers should keep their promises in terms of delivering the right quality and quantity of products or implementing the right services on time. Competition is high in the digital space and e-retailers should distinguish their products/services from others by offering moral competence and reliable performance. E-retailers should adopt practices that can reliably expose the honesty of services/products to customers and encourage positive customer perceptions towards e-retailers, which subsequently will enhance e-trust and e-satisfaction. For example, applying free delivery, full return and refund policies may result in a positive effect on consumer e-satisfaction and e-trust.
Author Contributions
M.A.A.-H. was responsible for the following parts: conceptualization of the framework, project administration, visualization, funding acquisition and resources. On the other hand, A.S.A.-A. had several responsibilities include: writing—original draft preparation, methodology development, formal analysis, validation, investigation, data curation, writing—review and editing and overall supervision.
Funding
This research was funded by Al Ahliyya Amman University, Amman, Jordan.
Acknowledgments
We would like to thankfully acknowledge the assistance and support of the faculty members of the departments of Electronic Business & Commerce, and Management Information Systems at Al-Ahliyya Amman University for providing insightful feedback.
Conflicts of Interest
The authors declare no conflict of interest. Additionally, we declare that the funders had no role in the design of the study; in the collection, analyses, or interpretation of data; in the writing of the manuscript, or in the decision to publish the results.
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