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Borkan, Gary L.  \nPersonality Type Effects on Perceptions of Online Credit Card Payment Services Journal of Theoretical and Applied Electronic Commerce Research, vol. 11, núm. 1,  \nenero, 2016 , pp. 67-83  \nUniversidad de Talca  \nCuricó, Chile  \nAvailable in: [http://www.redalyc.org/articulo.oa?id=96543661005](http://www.redalyc.org/articulo.oa?id=96543661005)  \n How to cite  \n Complete issue  \n More information about this article  \n Journal's homepage in [redalyc.org](redalyc.org)  \nScientific Information System  \nNetwork of Scientific Journals from Latin America, the Caribbean, Spain and Portugal Non-profit academic project, developed under the open access initiative  \nJournal of Theoretical and Applied Electronic Commerce Research  \nISSN 0718–1876 Electronic Version  \nVOL 11 / ISSUE 1 / JANUARY 2016 / 67-83  \n© 2016 Universidad de Talca-Chile  \nThis paper is available online at [www.jtaer.com](www.jtaer.com)  \nDOI: 10.4067/S0718-18762016000100005  \nPersonality Type Effects on Perceptions of Online Credit  \nCard Payment Services  \n2  \nSteven Walczak1 and Gary L. Borkan2  \n1 University of South Florida, School of Information, Tampa, FL, USA, [swalczak@usf.edu](swalczak@usf.edu)[ ](swalczak@usf.edu)Auraria Higher Education, Information Technology Department, Denver, CO, USA, [gborkan@aol.com](gborkan@aol.com)  \nReceived 22 September 2014; received in revised form 13 May 2015; accepted 18 May 2015  \nAbstract  \nCredit cards and the subsequent payment of credit card debt play a crucial role in e-commerce transactions. While website design effects on trust and e-commerce have been studied, these are usually coarse grained models. A more individualized approach to utilization of online credit card payment services is examined that utilizes personality as measured by the Myers-Briggs personality type assessment to determine variances in perception of online payment service features. The results indicate that certain overriding principles appear tobe largely universal, namely security and efficiency (or timeliness) of the payment system. However there are differences in the perceived benefit of these features and other features between personality types, which maybe capitalized upon by payment service providers to attract a broader base of consumers and maintain continuance of existing users.  \nKeywords: Credit-card, Electronic commerce, Myers-Briggs, Payment portals, Personality, Portal features  \n67  \nPersonality Type Effects on Perceptions of Online Credit Card Payment Services  \nSteven Walczak Gary L. Borkan  \nJournal of Theoretical and Applied Electronic Commerce Research  \nISSN 0718–1876 Electronic Version  \nVOL 11 / ISSUE 1 / JANUARY 2016 / 67-83  \n© 2016 Universidad de Talca-Chile  \nThis paper is available online at [www.jtaer.com](www.jtaer.com)  \nDOI: 10.4067/S0718-18762016000100005  \n1 Introduction  \nWhich e-commerce website features and mechanisms promote user perceptions of perceived ease-of-use and perceived benefit and consequently their intention to continue utilizing these e-commerce websites has been previously studied [43] . As an example, Walczak and Gregg [14], [38] demonstrate that website content features promote trust and consequently engender perceptions of corporate capability and intention to transact. However these studies are all based on a generic user-type representative of average consumer values across a particular region or even across the world, similar to personas. Variance among individuals is mostly ignored. While personashave been shown to be a beneficial tool for systems development [8], [24], [32], they provide too coarse a screen and designate all users into a very small number of prototypes (typically 3 or 4) . To capture more individual nuances in e-commerce perceptions and utilization, a finer grained sieve is needed.  \nE","cbCaime4ELvTtlTf","https://ap.wps.com/l/cbCaime4ELvTtlTf","pdf",1150741,18,"English","# Abstract\n## Key idea and motivation\n## Method: Myers-Briggs personality types\n## Findings: security and efficiency, plus differences\n## Implications for payment service providers","[{\"question\":\"What is the document’s main focus?\",\"answer\":\"The document examines how Myers-Briggs personality type affects users’ perceptions of features in online credit card payment services.\"},{\"question\":\"Which payment service features are found to be broadly universal?\",\"answer\":\"Security and efficiency (or timeliness) of the payment system appear largely universal across personality types.\"},{\"question\":\"How do personality types influence perceptions beyond universal principles?\",\"answer\":\"Although some principles are universal, the perceived benefits of specific features differ among personality types, suggesting opportunities for providers to tailor feature emphasis.\"}]","Personality Type Effects on Perceptions of Online Credit Card Payment Services - Abstract | PDF",1789665537,45]