Determinants of mobile money fraud on C2C e-commerce: A trust perspective

The study sought to investigate the determinants of MoMo fraud perception in C2C e-commerce from a trust perspective. The research model comprises a set of relationships between constructs from empirical studies. The constructs are culture (uncertainty avoidance), perceived reputation of mobile service provider, trust in C2C trader, structural assurance, perceived usefulness, and consumer fraud perception. A quantitative research design was used for the study. The sample consisted of three hundred and eighty-seven (387) respondents. Data were analysed using PLS-SEM (partial least squares structural equation modelling) via SmartPLS 3. Culture (uncertainty avoidance) was found to have a significant negative influence on consumer fraud perception. Perceived reputation of the mobile service provider was found to have an insignificant influence on consumer fraud perception. Trust in C2C trader, structural assurance, and perceived usefulness were found to have a significant positive influence on consumer fraud perception.