ICTs and Digital Risk in Purchase Transactions

• Autorzy: Woźniak Jacek , Gheorghiu Anda

Identyfikatory

DOI

10.37055/nsz/133651

Warianty tytułu

PL

ICT i ryzyko cyfrowe w transakcjach zakupowych

• Języki publikacji: EN

Abstrakty

EN

The phenomenon of digital risk accompanies today’s consumers every day, at the execution of every purchase transaction. Today’s customers (so-called the Customers 4.0), who use ICTs on a large scale and are very prone to exploiting the potential of ICTs in purchasing processes, are usually aware of the digital risk, but do not give to it a high enough priority. In order to explore the peculiarity of the digital risk and customer use of ICTs, the CATI survey was conducted - on a sample of 320 consumers (from Poland). The research aimed to assess the complexity and importance of digital risk in customers’ opinions, and the complexity of the use of ICTs in purchasing processes. The research process involved the statistical methods as follows: factor analysis (i.e. Principal Components Analysis method - PCA), as well as cluster analysis (k-mean method). In the study, three composite indexes were constructed - i.e. the Digital Risk Complexity Index - DRCI, the Digital Risk Importance Index - DRII, as well as the Consumers’ Use of ICTs Complexity Index - CUICI. In particular, the study showed that the digital risk complexity is at a moderate level, the digital risk importance is at a moderate level too, as well as the consumers’ use of ICTs complexity is at a relatively high level throughout the research sample.

PL

Zjawisko ryzyka cyfrowego towarzyszy dzisiejszym konsumentom każdego dnia, przy realizacji każdej transakcji zakupowej. Współcześni klienci (tzw. Klienci 4.0), którzy korzystają z ICT na dużą skalę i są bardzo skłonni do wykorzystywania potencjału ICT w procesach zakupowych, są zwykle świadomi ryzyka cyfrowego, ale nie nadają mu wystarczająco wysokiego priorytetu. W celu zbadania specyfiki ryzyka cyfrowego i wykorzystania ICT przez klientów przeprowadzono badanie CATI - na próbie 320 konsumentów (z Polski). Celem badań była ocena poziomu złożoności i znaczenia ryzyka cyfrowego w opinii klientów oraz poziomu złożoności stosowania ICT w procesach zakupowych. Proces badawczy obejmował następujące metody: analizę czynnikową (tj. metodę analizy głównych składowych - PCA), a także analizę skupień (metoda k-średnich). W badaniu zbudowano trzy indeksy kompozytowe: Digital Risk Complexity Index - DRCI, Digital Risk Importance Index - DRII, jak również Consumers’ Use of ICTs Complexity Index - CUICI. Badanie wykazało przede wszystkim, że złożoność ryzyka cyfrowego jest na umiarkowanym poziomie, znaczenie ryzyka cyfrowego również na umiarkowanym poziomie, a złożoność zastosowania ICT przez konsumentów jest na stosunkowo wysokim poziomie w całej próbie badawczej.

Słowa kluczowe

EN

ICTs; digital risk; customer; purchase transaction

PL

ICT; ryzyko cyfrowe; klient; transakcja zakupowa

• Wydawca: Wojskowa Akademia Techniczna im. Jarosława Dąbrowskiego
• Czasopismo: Nowoczesne Systemy Zarządzania
• Rocznik: 2020
• Tom: T. 15, nr 4
• Strony: 39--49
• Opis fizyczny: Bibliogr. 30 poz., tab.

Twórcy

autor

Woźniak Jacek

• Military University of Technology, Faculty of Security, Logistics and Management

autor

Gheorghiu Anda

• National University of Political Studies and Public Administration in Bucharest, Faculty of Management

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