... several issues with online financial services such as online banking, online shopping, insurance policies, etc. The main purpose of this paper is to identify the factors related to online financial services through literature review and interviews and cluster them in four different sections: human...

...Tingting Jiang; Fang Liu; Yu Chi Purpose – Information encountering is the serendipitous acquisition of information that requires low or no involvement and expectation of users. The purpose of this paper is to model the explicit process and the implicit factors of online information encountering...