E-Commerce Transactions:

Trust Among Pakistani Internet Users

Abstract
This survey was conducted regarding the Trust Among Pakistani Internet Users.
Questionnaire having twenty questions was developed and it had maximum options up to
seven. Questionnaire was distributed by the researcher himself to the persons of different
occupations which included businessmen, bankers, teachers, managers, students,
professionals and other job holders.those businessmen were surveyed who were directly
involved in the business related to e-commerce they include both sellers and buyers.

Hypothesis
E-commerce is not safe due to security

Methodology

The hypothesis was tested through results of survey. The instrument used in this survey
was questionnaire and the job holders were asked to fill in the questionnaire. Sample size
was 40 and results were interpreted according to the answers filed by the respondents.
Data was interpreted in terms of percentage.and the technique used in the questionnaire is
interval scale
 Data Analysis
Gender

GENDER

40

30
male

20
female
10

0
S1
male
female

Among 40 people 62.5% were Males and 37.5% were females.

Age group
10% belong 15-20
22.5% belong to 21-25
30% belong to 26-30
17.5%belong to 31-35
12.5%belong to 36-40
7.5%above 40
30%
25%
20%
15%
10%
5%
0%
15-20 26-30 36-40
Ethnic group
60%belong to sarakii language
40%belong to Punjabi language

60%
50%
40%
30%
20%
10%
0%
punjabi saraki

Level of education
Intermediate 10%
Bachelors degree 27.5%
Masters 50%
PhDs 12.5%
30%
25%
20%
15%
10%
5%
0%
interm ediate bachelors m asters PhDs
Occupational category
The most focus on the research was on businessmen and managers and there % are 35%
and 30% respectively because the people of these fields mainly use E-commerce more
than the others

30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
students managers business m an professionals

total monthly income

30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
students managers business m an professionals

No of years using internet

People who use internet from 4-5 years is 50% and this ratio is more

0.5
0.4

0.3

0.2
0.1

0
les s than 1 1-3 years 4-5years 6-10years
years
I have good experiences of using internet
100%

80%

60%

40%

20%

0%
yes no

Have u purchase online before

Almost 85%of the people which I have visited have purchased online rest of 15% hacent
purchase but they have well how about the purchases of products on internet

100%

80%

60%

40%

20%

0%
yes no

Type of business which can capture Pakistani market

60%
50%
40%
30%
20%
10%
0%
online mobile shops electronics shop com puters shop others
1)E-vendors protect internet shoppers via security measures
Most of the are strongly disagreed that the E-vendors protect security measures but some
of the businessmen about 5-7.5% agreed and say that the E vendors who r working with
them r trust ful
50%
40%
30%
20%
10%
0%
strongly disagreed m idly neither m idly agree strongly
disagreed disagreedagree nor agree agree
disagreed

2)E-vendors usually ensure that transactional information is protected from

altered during transaction
most of the people agreed that the E vendors claim that they will not leak the personal
information but these are only claims
0.6
0.5
0.4
0.3 3-D Colum
0.2
3-D Colum
0.1
0 3-D Colum
strongly disagreed midly neither midly agree strongly
disagreed disagree dagree nor agree agree
disagre ed

3)i feel confident and secure on the E-payment system

implemented
mostly people disagree with it and said that they are not confident on E payment system
and they feel in secure
 60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
strongly neither strongly
disagre ed agree nor agree
disagree d

4)I feel that E-vendors are concerned about the internet users privacy
A few people agreed on this point but mostly disagreed .the people who agreed say that
the E vendors who r working with them are more concerned about their privacy
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
strongly disagreed m idly neither midly agree strongly
disagreed dis agreedagree nor agre e agree
disagreed

5)E-vendors will not divulge consumers personal data to other parties

the percentage of those people is high who and don’t trust because of many fraud cases
on internet
40.00%
35.00%
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
strongly neither strongly
disagreed agree nor agree
disagree d

6)i feel safe and secure about the privacy control of E vendors
most of the people don’t feel safe and secure
 0.5
0.4
0.3
0.2
0.1
0
strongly m idly m idly strongly
disagreed disagreed agree agree

7)E-vendors are honest to their customers

some of the vendors r customer oriented and they are honest but they cant be trusted
blindly
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
strongly neither strongly
disagre ed agree nor agree
disagree d

8)E-vendors will not charge more for internet shopers

according to the businessmen point of view they don’t charge more because there r many
other competitors in the market
60%
50%
40%
30%
20%
10%
0%
strongly neither strongly
disagreed agree nor agre e
disagreed

9)most E-vendors have a good reputation in anndling their sales

transactions
 25%
20%
15%
10%
5%
0%
s trongly m idly m idly strongly
disagreed disagreed agree agree

11)E-vendors have adequate knowledge to manage their business on the

internet
mostly people about 70% people agree on it that they have knowledge to manage the
business
0.7
0.6
0.5
0.4
0.3
0.2
0.1
0
strongly m idly
disagreed agre e

12)i tend to interest a person even through I have little knowledge of it

people don’t agree and they don’t trust blindly on E vendors

60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
strongly neither strongly
disagre ed agree nor agree
disagree d

13)A high degree of trust exists in my family

 60%
50%
40%
30%
20%
10%
0%
strongly disagreed m idly neither m idly agree strongly
disagreed disagreedagree nor agree agree
disagreed

14)There are many reputable third party certification bodies available for
assuring the trustworthiness of internet vendors
as the E commerce is spreading so many 3rd parties also giving surity and giving there
responsibility of truthworthness but mostly NO third party is involved so the chances of
risk also increases

30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
strongly disagreed m idly neither m idly agree agree strongly
disagreed disagreed agree nor agree
disagreed

15)the existing law is adequate for the protection of internet shoppers

interest
40%
35%
30%
25%
20%
15%
10%
5%
0%
strongly disagreed m idly neither midly agree strongly
disagreed disagreed agree nor agree agree
disagre ed

people were very uncertain and they say that there is no proper rules and regulation
against E vendors if they do any frauds
16)Internet shoppers cant b trusted there are just too many uncertainties
People mostly agreed that there are many uncertainties and they cant trust Evendors and
there promises blindly

0.7
0.6
0.5
0.4
0.3
0.2
0.1
0
strongly m idly
disagreed agree

17)In general I cannt rely on E-vendors to keep the promise that they make

60%
50%
40%
30%
20%
10%
0%
strongly neither strongly
disagreed agree nor agre e
disagreed

RESULT

From the result of this research I conclude that most of the people don’t satisfy with the
internet shopping and they have many fears and uncertainty about the security measures
and they don’t relay on the security provided and the promises done by the E vendors
.Only few about 10 to 15% people relay on E-vendors and mostly it include the
businessmen community but they only relay on some specific E vendors from which they
only.they also don’t relay on every E vendor due to security risks .so the Hypothesis was
SUPPORTED that “E-COMMERCE IS NOT DUE TO SECURITY RISK” and 85% say
that they don’t trust E-commerce due to security risk
 Summary
First of all I develop a questionnaire and most of the questions based on the interval scale
technique .40 sample size was taken and the basic research was on E-Commerce
Transaction Trust Among Pakistani Internet Users the main focus was on the trust that
either the people trust or not .the questionnaire was distributed among businessmen
,managers , students etc but the ratio of businessmen ands managers were high because
they mainly use E commerce .some of the students n M Phill students were also requested
because they use to purchase many articals which help them in studies so they were also
covered .
In this research there were mainly 2 variables
1)Dependent
2)Independent
the dependent variable was E commerce
and
the independent variable was security

from the result of this research I conclude that most of the people don’t satisfy with the
internet shopping and they have many fears and uncertainty about the security measures
and they don’t relay on the security provided and the promises done by the E vendors
.only few about 10 to 15% people relay on E-vendors and mostly it include the
businessmen community but they only relay on some specific E vendors from which they
only.they also don’t relay on every E vendor due to security risks .so the Hypothesis was
SUPPORTED that “E-COMMERCE IS NOT DUE TO SECURITY RISK”