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What makes you trust digital data wallets?

2026-08-26Artigo científico Acesso aberto
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dc.contributor.authorKeba, Varvara
dc.contributor.authorDhillon, Gurpreet
dc.contributor.authorOliveira, Tiago
dc.contributor.institutionInformation Management Research Center (MagIC) - NOVA Information Management School
dc.contributor.institutionNOVA Information Management School (NOVA IMS)
dc.contributor.pblAssociação Portuguesa para o Estudo do Quaternário (APEQ)
dc.date.accessioned2026-08-28T15:07:01Z
dc.date.available2026-08-28T15:07:01Z
dc.date.issued2026-08-26
dc.descriptionKeba, V., Dhillon, G., & Oliveira, T. (2026). What makes you trust digital data wallets? Antecedents of trust formation. Journal of Enterprise Information Management. https://doi.org/10.1108/JEIM-12-2025-1258 --- %ABS2%
dc.description.abstractPurpose Digital data wallets are emerging privacy-enhancing technologies that give users greater control over their personal information, yet trust remains a major barrier to adoption. This study aims to identify the factors shaping trust and how perceived risks moderate these relationships. Design/methodology/approach Using a mixed-methods approach, thirty qualitative interviews conducted in Austria, Romania and Spain identified four key antecedents of trust: trust in the Internet, trust in the community of internet users, trust in the provider and trust in the information system. A follow-up survey of 1,200 respondents tested the impact of these antecedents and the moderating role of perceived risks (identity theft and financial loss) on trust formation. Findings Results show that all antecedents, specifically performance expectancy, transparency, social influence and safety, significantly related to their respective trust targets, and that trust relationships are interdependent across targets. Risk perceptions strengthen the influence of performance expectancy and social influence but weaken the effect of transparency. Originality/value The study contributes to research on trust in digital data wallets by empirically applying and extending the application network-of-trust model to the context of decentralized personal data management. The findings demonstrate that the trust formation is differentiated across multiple trust targets and shaped by context-specific antecedents and perceived risks. The study also provides actionable insights for designers and policymakers seeking to build trustworthy digital data wallets.en
dc.description.versionauthorsversion
dc.description.versionepub_ahead_of_print
dc.format.extent28
dc.format.extent707459
dc.identifier.doi10.1108/JEIM-12-2025-1258
dc.identifier.issn1741-0398
dc.identifier.otherPURE: 171385379
dc.identifier.otherPURE UUID: 7e61708f-8da2-481f-b66b-b2cfe8aa49af
dc.identifier.otherScopus: 105048953840
dc.identifier.otherWOS: 001856975300001
dc.identifier.otherORCID: /0000-0001-6523-0809/work/225163352
dc.identifier.urihttp://hdl.handle.net/10362/205832
dc.identifier.urlhttps://www.scopus.com/pages/publications/105048953840
dc.identifier.urlhttps://www.webofscience.com/wos/woscc/full-record/WOS:001856975300001
dc.language.isoeng
dc.peerreviewedyes
dc.relationhttps://doi.org/10.54499/UID/04152/2025
dc.relationhttps://doi.org/10.54499/UID/PRR/04152/2025
dc.relationhttps://doi.org/10.3030/101077433
dc.subjectDigital data wallets
dc.subjectPrivacy-enhancing technology
dc.subjectTrust formation
dc.subjectRisk perceptions
dc.subjectMixed-method
dc.subjectInformation Systems
dc.subjectLibrary and Information Sciences
dc.subjectSDG 8 - Decent Work and Economic Growth
dc.titleWhat makes you trust digital data wallets?en
dc.title.subtitleAntecedents of trust formationen
dc.typejournal article
degois.publication.titleJournal of Enterprise Information Management
dspace.entity.typePublication
rcaap.rightsopenAccess

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NIMS: MagIC - Artigos em revista internacional com arbitragem científica (Peer-Review articles in international journals)