IDEAS home Printed from https://ideas.repec.org/a/spr/infosf/v25y2023i5d10.1007_s10796-022-10280-7.html
   My bibliography  Save this article

Examining the Relationship between National Cybersecurity Commitment, Culture, and Digital Payment Usage: An Institutional Trust Theory Perspective

Author

Listed:
  • Ben Krishna

    (Indian Institute of Management Kozhikode)

  • Satish Krishnan

    (Indian Institute of Management Kozhikode)

  • M. P. Sebastian

    (Indian Institute of Management Kozhikode)

Abstract

Cyberattacks can be considered one of the fundamental challenges that paralyze the progress of digital payment usage (DPU) progress among citizens, as consumers shun away from using digital banking services due to increased concern over information security. National Cybersecurity Commitment (NCSC) has emerged as a preventive cybersecurity mechanism for countries to tackle such cybersecurity threats. Previous studies have shown that a country's NCSC positively impacts the business and economy of the country. This study examines the effect of NCSC on digital payment usage (DPU) across nations by grounding our discussion on the institutional trust theory. As trusting belief in security measures is a culturally embedded characteristic, we also examine the moderating role of national culture through Hofstede’s cultural dimensions. We use multilevel models to analyze publicly available archives of repeated cross-sectional data covering 76 countries to test the proposed relationships. Our findings indicate that NCSC has a positive influence on DPU. Further, our results highlight that the relationship between NCSC and DPU in a country is contingent on cultural dimensions. Overall, the evidence suggests that a competent cybersecurity environment compatible with cultural values can influence the speedy diffusion of digital payments in a country. Implications of our findings for research and practice are also discussed.

Suggested Citation

  • Ben Krishna & Satish Krishnan & M. P. Sebastian, 2023. "Examining the Relationship between National Cybersecurity Commitment, Culture, and Digital Payment Usage: An Institutional Trust Theory Perspective," Information Systems Frontiers, Springer, vol. 25(5), pages 1713-1741, October.
    • Handle: RePEc:spr:infosf:v:25:y:2023:i:5:d:10.1007_s10796-022-10280-7
    DOI: 10.1007/s10796-022-10280-7
    as

    Download full text from publisher

    File URL: http://link.springer.com/10.1007/s10796-022-10280-7
    File Function: Abstract
    Download Restriction: Access to the full text of the articles in this series is restricted.
    File URL: https://libkey.io/10.1007/s10796-022-10280-7?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Kalinic, Zoran & Marinkovic, Veljko & Molinillo, Sebastián & Liébana-Cabanillas, Francisco, 2019. "A multi-analytical approach to peer-to-peer mobile payment acceptance prediction," Journal of Retailing and Consumer Services, Elsevier, vol. 49(C), pages 143-153.
    2. Gefen, David & Straub, Detmar W., 2004. "Consumer trust in B2C e-Commerce and the importance of social presence: experiments in e-Products and e-Services," Omega, Elsevier, vol. 32(6), pages 407-424, December.
    3. Fatima Salahdine & Naima Kaabouch, 2019. "Social Engineering Attacks: A Survey," Future Internet, MDPI, vol. 11(4), pages 1-17, April.
    4. Park, Sangchul, 2019. "Why information security law has been ineffective in addressing security vulnerabilities: Evidence from California data breach notifications and relevant court and government records," International Review of Law and Economics, Elsevier, vol. 58(C), pages 132-145.
    5. Andrew Bell & Malcolm Fairbrother & Kelvyn Jones, 2019. "Fixed and random effects models: making an informed choice," Quality & Quantity: International Journal of Methodology, Springer, vol. 53(2), pages 1051-1074, March.
    6. Léon, Florian & Zins, Alexandra, 2020. "Regional foreign banks and financial inclusion: Evidence from Africa," Economic Modelling, Elsevier, vol. 84(C), pages 102-116.
    7. David Gefen & Gregory M. Rose & Merrill Warkentin & Paul A. Pavlou, 2005. "Cultural Diversity and Trust in IT Adoption: A Comparison of Potential e-Voters in the USA and South Africa," Journal of Global Information Management (JGIM), IGI Global, vol. 13(1), pages 54-78, January.
    8. Arunabha Mukhopadhyay & Samir Chatterjee & Kallol K. Bagchi & Peteer J. Kirs & Girja K. Shukla, 2019. "Cyber Risk Assessment and Mitigation (CRAM) Framework Using Logit and Probit Models for Cyber Insurance," Information Systems Frontiers, Springer, vol. 21(5), pages 997-1018, October.
    9. Jae Kyu Lee & Younghoon Chang & Hun Yeong Kwon & Beopyeon Kim, 2020. "Reconciliation of Privacy with Preventive Cybersecurity: The Bright Internet Approach," Information Systems Frontiers, Springer, vol. 22(1), pages 45-57, February.
    10. D. Harrison McKnight & Vivek Choudhury & Charles Kacmar, 2002. "Developing and Validating Trust Measures for e-Commerce: An Integrative Typology," Information Systems Research, INFORMS, vol. 13(3), pages 334-359, September.
    11. Tamara Dinev & Massimo Bellotto & Paul Hart & Vincenzo Russo & Ilaria Serra & Christian Colautti, 2006. "Privacy calculus model in e-commerce – a study of Italy and the United States," European Journal of Information Systems, Taylor & Francis Journals, vol. 15(4), pages 389-402, August.
    12. Shirish C. Srivastava & S. H. Teo Thompson, 2010. "E-Government, E-Business and National Economic Performance," Post-Print hal-00528404, HAL.
    13. Senyo, PK & Osabutey, Ellis L.C., 2020. "Unearthing antecedents to financial inclusion through FinTech innovations," Technovation, Elsevier, vol. 98(C).
    14. Sharma, Sujeet Kumar & Sharma, Manisha, 2019. "Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation," International Journal of Information Management, Elsevier, vol. 44(C), pages 65-75.
    15. Abhipsa Pal & Tejaswini Herath & Rahul De’ & H. Raghav Rao, 2021. "Is the Convenience Worth the Risk? An Investigation of Mobile Payment Usage," Information Systems Frontiers, Springer, vol. 23(4), pages 941-961, August.
    16. Dan J. Kim & Donald L. Ferrin & H. Raghav Rao, 2009. "Trust and Satisfaction, Two Stepping Stones for Successful E-Commerce Relationships: A Longitudinal Exploration," Information Systems Research, INFORMS, vol. 20(2), pages 237-257, June.
    17. David Gefen & Tsipi Heart Heart, 2006. "On the Need to Include National Culture as a Central Issue in E-Commerce Trust Beliefs," Journal of Global Information Management (JGIM), IGI Global, vol. 14(4), pages 1-30, October.
    18. Lee, Sang-Gun & Trimi, Silvana & Kim, Changsoo, 2013. "The impact of cultural differences on technology adoption," Journal of World Business, Elsevier, vol. 48(1), pages 20-29.
    19. Detmar W. Straub, 1994. "The Effect of Culture on IT Diffusion: E-Mail and FAX in Japan and the U.S," Information Systems Research, INFORMS, vol. 5(1), pages 23-47, March.
    20. Matthew J. Lebo & Christopher Weber, 2015. "An Effective Approach to the Repeated Cross‐Sectional Design," American Journal of Political Science, John Wiley & Sons, vol. 59(1), pages 242-258, January.
    21. Henriques de Gusmão, Ana Paula & Mendonça Silva, Maisa & Poleto, Thiago & Camara e Silva, Lúcio & Cabral Seixas Costa, Ana Paula, 2018. "Cybersecurity risk analysis model using fault tree analysis and fuzzy decision theory," International Journal of Information Management, Elsevier, vol. 43(C), pages 248-260.
    22. Kimani, Kenneth & Oduol, Vitalice & Langat, Kibet, 2019. "Cyber security challenges for IoT-based smart grid networks," International Journal of Critical Infrastructure Protection, Elsevier, vol. 25(C), pages 36-49.
    23. Lenard Huff & Lane Kelley, 2003. "Levels of Organizational Trust in Individualist Versus Collectivist Societies: A Seven-Nation Study," Organization Science, INFORMS, vol. 14(1), pages 81-90, February.
    24. Al-Okaily, Manaf & Lutfi, Abdalwali & Alsaad, Abdallah & Taamneh, Abdallah & Alsyouf, Adi, 2020. "The Determinants of Digital Payment Systems’ Acceptance under Cultural Orientation Differences: The Case of Uncertainty Avoidance," Technology in Society, Elsevier, vol. 63(C).
    25. Kai H Lim & Kwok Leung & Choon Ling Sia & Matthew KO Lee, 2004. "Is eCommerce boundary-less? Effects of individualism–collectivism and uncertainty avoidance on Internet shopping," Journal of International Business Studies, Palgrave Macmillan;Academy of International Business, vol. 35(6), pages 545-559, November.
    26. Ajao Qasim & Emad Abu-Shanab, 2016. "Drivers of mobile payment acceptance: The impact of network externalities," Information Systems Frontiers, Springer, vol. 18(5), pages 1021-1034, October.
    27. Paul A. Pavlou & David Gefen, 2004. "Building Effective Online Marketplaces with Institution-Based Trust," Information Systems Research, INFORMS, vol. 15(1), pages 37-59, March.
    28. Henner Mohr & Zhiping Walter, 2019. "Formation of Consumers’ Perceived Information Security: Examining the Transfer of Trust in Online Retailers," Information Systems Frontiers, Springer, vol. 21(6), pages 1231-1250, December.
    29. Mombeuil, Claudel, 2020. "An exploratory investigation of factors affecting and best predicting the renewed adoption of mobile wallets," Journal of Retailing and Consumer Services, Elsevier, vol. 55(C).
    30. Patil, Pushp & Tamilmani, Kuttimani & Rana, Nripendra P. & Raghavan, Vishnupriya, 2020. "Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal," International Journal of Information Management, Elsevier, vol. 54(C).
    31. Katherine J. Stewart, 2003. "Trust Transfer on the World Wide Web," Organization Science, INFORMS, vol. 14(1), pages 5-17, February.
    32. Kallol Bagchi & Paul Hart & Mark F. Peterson, 2004. "National Culture and Information Technology Product Adoption," Journal of Global Information Technology Management, Taylor & Francis Journals, vol. 7(4), pages 29-46, October.
    33. Shirish C. Srivastava & Thompson S.H. Teo, 2010. "E-Government, E-Business and National Economic Performance," Post-Print hal-00537096, HAL.
    34. Nicole Koenig-Lewis & Morgan Marquet & Adrian Palmer & Anita Lifen Zhao, 2015. "Enjoyment and social influence: predicting mobile payment adoption," The Service Industries Journal, Taylor & Francis Journals, vol. 35(10), pages 537-554, July.
    35. Anil Gurung & Xin Luo & M.K Raja, 2008. "An Empirical Investigation on Customer’s Privacy Perceptions, Trust and Security Awareness in E-commerce Environment," Journal of Information Privacy and Security, Taylor & Francis Journals, vol. 4(1), pages 42-60, January.
    36. Caroline Lancelot Miltgen & Dominique Peyrat-Guillard, 2014. "Cultural and generational influences on privacy concerns: a qualitative study in seven European countries," European Journal of Information Systems, Taylor & Francis Journals, vol. 23(2), pages 103-125, March.
    37. Shirish C. Srivastava & Thompson S.H. Teo, 2009. "Citizen Trust Development for E-Government Adoption and Usage: Insights from Young Adults in Singapore," Post-Print hal-00465199, HAL.
    38. Sudhir H Kale & John W Barnes, 1992. "Understanding the Domain of Cross-National Buyer-Seller Interactions," Journal of International Business Studies, Palgrave Macmillan;Academy of International Business, vol. 23(1), pages 101-132, March.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Dan J. Kim & Indranil Bose & Arunabha Mukhopadhyay, 2023. "Special Issue on Bright Information and Communication Technologies in the 21st Century," Information Systems Frontiers, Springer, vol. 25(5), pages 1661-1665, October.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Hallikainen, Heli & Laukkanen, Tommi, 2018. "National culture and consumer trust in e-commerce," International Journal of Information Management, Elsevier, vol. 38(1), pages 97-106.
    2. Baozhou Lu & Zhenhua Wang, 2022. "Trust Transfer in Sharing Accommodation: The Moderating Role of Privacy Concerns," Sustainability, MDPI, vol. 14(12), pages 1-18, June.
    3. Ben Q. Liu & Dale L. Goodhue, 2012. "Two Worlds of Trust for Potential E-Commerce Users: Humans as Cognitive Misers," Information Systems Research, INFORMS, vol. 23(4), pages 1246-1262, December.
    4. Rajković, Borislav & Đurić, Ivan & Zarić, Vlade & Glauben, Thomas, 2021. "Gaining trust in the digital age: The potential of social media for increasing the competitiveness of small and medium enterprises," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 13(4).
    5. repec:dau:papers:123456789/2723 is not listed on IDEAS
    6. Wenbo Guo & Jing Betty Feng & Brad McKenna & Pengzhu Zhang, 2017. "Inter-organizational governance and trilateral trust building: a case study of crowdsourcing-based open innovation in China," Asian Business & Management, Palgrave Macmillan, vol. 16(3), pages 187-207, July.
    7. Gefen, David & Reychav, Iris, 2014. "Why trustworthiness in an IT vendor is important even after the vendor left: IT is accepting the message and not just the messenger that is important," Omega, Elsevier, vol. 44(C), pages 111-125.
    8. Zhao, Jing-Di & Huang, Jin-Song & Su, Song, 2019. "The effects of trust on consumers’ continuous purchase intentions in C2C social commerce: A trust transfer perspective," Journal of Retailing and Consumer Services, Elsevier, vol. 50(C), pages 42-49.
    9. Wu, Wei & Wang, Sihang & Ding, Guanqi & Mo, Jinfei, 2023. "Elucidating trust-building sources in social shopping: A consumer cognitive and emotional trust perspective," Journal of Retailing and Consumer Services, Elsevier, vol. 71(C).
    10. Anupriya Khan & Satish Krishnan & Jithesh Arayankalam, 2022. "The Role of ICT Laws and National Culture in Determining ICT Diffusion and Well-Being: A Cross-Country Examination," Information Systems Frontiers, Springer, vol. 24(2), pages 415-440, April.
    11. Abhipsa Pal & Tejaswini Herath & Rahul De’ & H. Raghav Rao, 2021. "Is the Convenience Worth the Risk? An Investigation of Mobile Payment Usage," Information Systems Frontiers, Springer, vol. 23(4), pages 941-961, August.
    12. Chen, Ying-Hueih & Hsu, I-Chieh & Lin, Chia-Chen, 2010. "Website attributes that increase consumer purchase intention: A conjoint analysis," Journal of Business Research, Elsevier, vol. 63(9-10), pages 1007-1014, September.
    13. Suk-Joo Lee & Cheolhwi Ahn & Kelly Minjung Song & Hyunchul Ahn, 2018. "Trust and Distrust in E-Commerce," Sustainability, MDPI, vol. 10(4), pages 1-19, March.
    14. Shi, Yani & Sia, Choon Ling & Chen, Huaping, 2013. "Leveraging social grouping for trust building in foreign electronic commerce firms: An exploratory study," International Journal of Information Management, Elsevier, vol. 33(3), pages 419-428.
    15. Ming Yang & Jinglu Jiang & Melody Kiang & Fangyun Yuan, 2022. "Re-Examining the Impact of Multidimensional Trust on Patients’ Online Medical Consultation Service Continuance Decision," Information Systems Frontiers, Springer, vol. 24(3), pages 983-1007, June.
    16. Lee, Changju & Bae, Bumjoon & Lee, Yu Lim & Pak, Tae-Young, 2023. "Societal acceptance of urban air mobility based on the technology adoption framework," Technological Forecasting and Social Change, Elsevier, vol. 196(C).
    17. Timm Teubner & Marc T. P. Adam & Florian Hawlitschek, 2020. "Unlocking Online Reputation," Business & Information Systems Engineering: The International Journal of WIRTSCHAFTSINFORMATIK, Springer;Gesellschaft für Informatik e.V. (GI), vol. 62(6), pages 501-513, December.
    18. Stephen C. Wingreen & Natasha C. H. L. Mazey & Stephen L. Baglione & Gordon R. Storholm, 2019. "Transfer of electronic commerce trust between physical and virtual environments: experimental effects of structural assurance and situational normality," Electronic Commerce Research, Springer, vol. 19(2), pages 339-371, June.
    19. Heng Tang & Xiaowan Lin, 2019. "Curbing shopping cart abandonment in C2C markets — an uncertainty reduction approach," Electronic Markets, Springer;IIM University of St. Gallen, vol. 29(3), pages 533-552, September.
    20. Yogesh K. Dwivedi & David Wastell & Sven Laumer & Helle Zinner Henriksen & Michael D. Myers & Deborah Bunker & Amany Elbanna & M. N. Ravishankar & Shirish C. Srivastava, 2015. "Research on information systems failures and successes: Status update and future directions," Information Systems Frontiers, Springer, vol. 17(1), pages 143-157, February.
    21. Malhotra, Neeru & Sahadev, Sunil & Purani, Keyoor, 2017. "Psychological contract violation and customer intention to reuse online retailers: Exploring mediating and moderating mechanisms," Journal of Business Research, Elsevier, vol. 75(C), pages 17-28.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:spr:infosf:v:25:y:2023:i:5:d:10.1007_s10796-022-10280-7. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.