A Study of e-Commerce Transaction Risk Assessment Model in Mobile Internet

A Study of e-Commerce Transaction Risk Assessment Model in Mobile Internet

Zhihong Huang (Shanxi Institute of Technology, Shanxi, China)
Copyright: © 2017 |Pages: 10
DOI: 10.4018/JECO.2017100101
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Abstract

With the continuous development of information technology, mobile e-commerce as a new economic and industrial mode has brought great benefits to the society. Mobile e-commerce does not need to bear the constraints of time and place, which has brought great benefits to the enterprise, from the point of trading, mobile e-commerce relies on convenient mobile terminal devices to provide convenience and unlimited trading environment for the user. However, there is a certain risk, mobile e-commerce is different from traditional e-commerce. It may bring many new problems and risks, and may lead to serious economic loss. So how to make reasonable assessment of mobile e-commerce transaction risk and then select strategy to minimize the risk is very important for the development of mobile e-commerce. In this paper, the risk of mobile e-commerce transactions is analyzed firstly, and then it uses a reasonable evaluation system to build a mobile e-commerce transactions risk assessment model. Finally, with the fact, it shows that the model has good feasibility and practical application value.
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E-Commerce Under The Era Of Mobile Internet

The Development of Mobile e-Commerce

E-commerce emerged in 1990s, the British market research company expects that by the end of 2009 Western Europe mobile users with 70% will use the terminals which can support 3g (Shafer, 2016). According to statistics, during 2004-2006, the United States wireless grows at an average annual rate of 9.1%, reaching to the size of $1.98 billion. According to M-Commerce market scale results published by Japan's communications ministry in July 2006, it showed that in 2005 the size of the market soared 39%. The development of e-commerce in China began in the 1990 s, and was getting more and more attention. In terms of the current development situation, China's mobile e-commerce model has been maturing, but in the specific application field it is still on its primary development stage. From the point of this reality, the development of mobile e-commerce in China is still a pretty serious challenge, because there are many defects of mobile e-commerce in the basic applications, such as the necessary basic facilities in developing, the hopeless of profit for the logistics enterprises because of the high investment in circulation, so many large companies are off for mobile electronic commerce transaction mode. However, in recent years, securities firms, finance companies, credit card service, and other fields gradually have taken part into the category of mobile e-commerce, and have obtained great economic benefits, which has laid a solid foundation for the development of mobile electronic commerce and has accumulated a wealth of experience. (Gruyer et al., 2016) Mobile e-commerce transaction mode gets more and more consumer recognition because of its characteristics of fast and convenient, and its impact on the development of social life gradually increases as well, it is becoming one of the important forces to our country’s development.

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