روشی یکپارچه به سمت پذیرش احکام اسلامی و اعتماد به تجارت الکترونیکی
Abstract
1- Introduction
2- Literature review
3- A framework for SCE-C trust
4- Conclusion
References
Abstract
The Sharia compliance trust concerns over the conventional e-commerce systems among devoted Muslims causes reluctance and abstinence to partake in e-commerce transactions. Although e-commerce trust building mechanisms have been highlighted in the extant literature, there has not been any integrative or exhaustive solution to the Sharia compliance trust concerns of Muslims. Therefore, it became necessary to develop a framework that will provide a guide towards achieving Sharia compliance e-commerce trust (SCE-C). Consequently, relevant literature on e-commerce trust from a conventional perspective and the Sharia perspective were reviewed to gain a background. It provided the basis for proffering a framework for SCE-C trust with a view to enhancing e-commerce adoption and use by Muslims around the world. The framework for SCE-C Trust highlights that e-commerce vendor trustworthiness factors comprising of Sharia compliance, integrity, benevolence, competence, website quality, and third-party assurance if positively moderated by consumer trust propensity and religious commitment will ensure SCE-C trust.
Introduction
There is a rapid increase in the acceptance and use of e-commerce by both traditional businesses trying to develop new online channels and new businesses that originate from the internet [12]. This development is primarily attributed to the benefits ascribed to e-commerce, especially in the business to consumer segment. However, issues of e-commerce trust have been a major constraint to its adoption and use by many consumers around the world [18,26]. There are recent clamor and research attention to resolve the e-commerce trust concerns from an Islamic view point which is guided by Sharia law [1,3,14,20]. It is therefore important to ensure that e-commerce trust from the Sharia perspective is developed in order to induce and cater the need of over 1.8 billion Muslim around the globe [3,5,20]. The concerns among Muslims over non-Sharia compliance of the conventional e-commerce system leads to reluctance and abstinence to patronize the prevailing e-commerce system [3,4,20]. Fundamentally, adherents of the Islamic religion are guided by the Sharia law in all their endeavors. Thus, Muslims are obligated to only patronize Sharia compliant goods and services. It is therefore essential that e-commerce systems must be in conformity with the Islamic law of contract which requires that it must be devoid of fundamentally prohibited elements of riba (usury), gharar (uncertainty), haram (forbidden) objects and maysir gambling) to be deemed permissible to Muslims [17,20,22]. This paper proposes a framework that integrates the generic antecedents of e-commerce trust with the Sharia compliance requirements for e-commerce systems highlighted in the literature. It is aimed to foster Sharia compliance e-commerce SCE-C) trust in order to enhance acceptance and use of e-commerce by Muslim faithful’s around the world. Furthermore, it is envisaged to bridge the gap between studies on e-commerce trust from a conventional perspective [5,9,10,15,26] and e-commerce trust from a Sharia perspective [6,14,17,22,23]. The next section of this paper highlights related studies on e-commerce trust from a conventional perspective and also, an Islamic perspective to e-commerce trust. The subsequent sections present the framework for SCE-C trust, then conclusion.