Does COVID-19 Pandemic Motivate Privacy Self-Disclosure in Mobile Fintech Transactions? A Privacy-Calculus-Based Dual-Stage SEM-ANN Analysis
研究了新冠疫情背景下，隐私相关因素和疫情相关因素如何影响移动金融科技用户的隐私自我披露行为，采用问卷和两阶段PLS-SEM-ANN方法分析712份有效数据。
The emergence of mobile financial technology (mobile fintech) services raises numerous public concerns regarding privacy issues; consequently, researchers in mobile technology acceptance have focused on consumers’ privacy self-disclosure behaviors under the usual scenario. However, there is still a lack of understanding on how external influences, such as a public health crisis, affect consumers’ privacy decision-making process. Therefore, in this article, we examine the effects of privacy- and pandemic-related antecedents on mobile fintech users’ information self-disclosure behavior during the coronavirus disease 2019 pandemic. The present research adopts a self-administered questionnaire with 712 effective responses for data collection and a two-stage partial least squares-structural equation modeling-artificial neural network (PLS-SEM-ANN) approach to test the theoretical lens proposed. The results indicate that the significant structural paths in the model are consistent with the proposed hypotheses and existing literature. Surprisingly, face-to-face avoidance (FFA) does not significantly influence consumers’ self-disclosure willingness. Infection severity and infection susceptibility were insignificant with FFA. The present research is the first to investigate consumers’ privacy-related behavior via integrating the privacy-calculus framework with control agency theory. This research focuses on consumers’ decision-making during the pandemic, explicitly highlighting the macroenvironment's role in influencing an individual's behavior.