|
ABSTRACT
Trust is an important component of online transactions. The increasing amount and sophistication of spam, phishing, and other semantic attacks increase users' uncertainty about the consequences of their actions and their distrust towards other online parties. In this paper, we highlight some key characteristics of a model that we are developing to represent and compare the online trust decision processes of "expert" and "non-expert" computer users. We also report on preliminary data we are gathering to validate, refine, and apply our model. This research is part of a broader project that aims at developing tools and training modules to help online users make good trust decisions.
REFERENCES
Note: OCR errors may be found in this Reference List extracted from the full text article. ACM has opted to expose the complete List rather than only correct and linked references.
| |
1
|
L. Ang, C. Dubelaar, and B. C. Lee. To trust or not to trust? a model of internet trust from the customer's point of view. In Proceedings, 14th Bled Electronic Commerce Conference, pages 25--26, June 2001.
|
| |
2
|
Anti-Phishing Working Group. Phishing activity trends report. Technical report, Anti-Phishing Working Group. Retrieved Aug 11, 2006, http://www.antiphishing.org/reports/apwg_report_May2006.pdf.
|
| |
3
|
|
| |
4
|
S. Bellman, E. J. Johnson, S. J. Kobrin, and G. L. Lohse. International Differences in Information privacy concerns: A global survey of consumers. The Information Society, 20: pp. 313--324, 2004.
|
| |
5
|
|
| |
6
|
L. M. B. Cabral. The Economics of Trust and Reputation: A Primer. Technical report, New York University and CEPR, May 2002. Retrieved Feb 20, 2006, http://pages.stern.nyu.edu/lcabral/reputation/Reputation_June05.pdf.
|
| |
7
|
J. Cave. The economics of cyber trust between cyber partners. Retrieved Feb 20, 2005, http://www.foresight.gov.uk/Previous_Projects/Cyber_Trust_and_Crime_Prevention/Reports_and_Publications/Economics_of_Trust_Between_Cyber_Partners/Economics%20of%20trust%20between%20cyber%20partners.pdf.
|
| |
8
|
A. Cavoukian and T. Hamilton. The Privacy Payoff, How Successful Business Build Consumer Trust. 2002.
|
| |
9
|
|
| |
10
|
|
 |
11
|
|
 |
12
|
|
 |
13
|
|
| |
14
|
C. E. Drake, J. J. Oliver, and E. J. Koontz. Anatomy of a phishing email. Technical report, Mail Frontier. Retrieved Feb 27, 2006, http://www.mailfrontier.com/docs/MF_Phish_Anatomy.pdf.
|
| |
15
|
F. Egger. From Interactions to Transactions: Designing the Trust Experience for Business-to-Consumer Electronic Commerce. PhD thesis, Eindhoven University of Technology (The Netherlands), http://www.ecommuse.com/research/publications/thesis.htm, 2003.
|
| |
16
|
|
 |
17
|
|
| |
18
|
E. L. Glaeser, D. I. Laibson, J. A. Scheinkman, and C. L. Soutter. Measuring trust. The Quarterly Journal of Economics, 115(3):811--846, 2000.
|
| |
19
|
|
| |
20
|
G. A. Guerra, D. J. Zizzo, W. H. Dutton, and M. Peltu. Economics of Trust in the Information Economy: Issues of Identity, Privacy and Security. Technical report, Oxford Internet Institute, April 2003. Retrieved Feb 20, 2006, http://www.oii.ox.ac.uk/resources/publications/RR1.pdf.
|
 |
21
|
|
| |
22
|
|
 |
23
|
|
| |
24
|
|
| |
25
|
Mail Frontier. Mailfrontier field guide to phishing. Retrieved Jan 28, 2006, http://www.mailfrontier.com/docs/field_guide.pdf.
|
| |
26
|
S. P. Marsh. Formalising Trust as a Computational Concept. PhD thesis, 1994. citeseer.ist.psu.edu/marsh94formalising.html.
|
| |
27
|
R. C. Mayer, J. H. Davis, and D. F. Schoorman. An integrative model of organizational trust. The Academy of Management Review., 1995(3):709--734, July, 1995.
|
| |
28
|
|
| |
29
|
R. C. Miller and M. Wu. Fighting Phishing at the User Interface. O'Reilly, Aug, 2005. In Lorrie Cranor and Simson Garfinkel (Eds.) Security and Usability: Designing Secure Systems that People Can Use.
|
| |
30
|
|
| |
31
|
D. C. Mutz. Social trust and e-commerce, experimental evidence for the effects of social trust on individuals' economic behavior. Public Opinion Quarterly, 69(3):393--416, 2005. Retrieved Feb 20, 2006, http://poq.oxfordjournals.org/cgi/reprint/69/3/393.
|
| |
32
|
|
| |
33
|
A. S. Patrick, P. Briggs, and S. Marsh. Designing Systems That People Will Trust. O'Reilly, Aug, 2005. In Lorrie Cranor and Simson Garfinkel (Eds.) Security and Usability: Designing Secure Systems that People Can Use.
|
| |
34
|
M. G. Pollitt. The economics of trust, norms and networks. Business Ethics - A European Review, 11(2):119--128, 2002.
|
 |
35
|
|
| |
36
|
P. Resnick and R. Zeckhauser. Trust among strangers in internet transactions: Empirical analysis of ebays reputation system. Draft Version for review by NBER workshop, 2001. Retrieved Feb 20, 2006, http://www.si.umich.edu/pres-nick/papers/ebayNBER/RZNBERBodegaBay.pdf.
|
| |
37
|
|
 |
38
|
|
| |
39
|
|
| |
40
|
P. Salovey and A. Rothman. Social Psychology of Health. 2003.
|
| |
41
|
B. Schneier. Are you sophisticated enough to recognize an internet scam? Retrieved Feb 24, 2006, http://www.schneier.com/essay-035.html.
|
| |
42
|
C. Scott. Interpersonal trust: A comparison of attitudinal and situational factors. Human Relations, 33(11):805--812, 1980.
|
| |
43
|
A. M. Spence. Job market signaling. Quarterly Journal of Economics, 87(3):355--374, 1973.
|
| |
44
|
J. Stanford, E. R. Tauber, B. Fogg, and L. Marable. Experts vs. Online Consumers: A Comparative Credibility Study of Health and Finance Web Sites. 2002. Retrieved Sept 13, 2005, http://www.consumerwebwatch.org/dynamic/web-credibility-reports-experts-vs-online.cfm.
|
| |
45
|
Susannah Fox et al. Trust and privacy online: Why Americans want to rewrite the rules. The Pew Internet & American Life Project, August 20, 2000. Retrieved Sept 13, 2005, http://www.pewinternet.org/pdfs/PIP_Trust_Privacy_Report.pdf.
|
| |
46
|
Y. H. Tan and W. Thoen. An Outline of a Trust Model for Electronic Commerce. Applied Artificial Intelligence, 14(8), 2000.
|
| |
47
|
A. Westin and Harris Louis & Associates. Health Information Privacy Survey. Harris Louis & Associates, 1993. Conducted for Equifax Inc. 1,000 adults of the national public.
|
| |
48
|
A. Westin and H. Interactive. IBM-Harris Multi- National Consumer Privacy Survey for IBM. Approximately 5,000 adults of the U.S Britain and Germany. Technical report, 1999.
|
| |
49
|
|
 |
50
|
|
|