A proposed model of online trust

Trust is considered one of the most important factors that contribute to the success of an e-business. In this article, we consider trust to be a multi-dimensional concept that includes both institutional-based trust and interpersonal-based trust. We present and validate a conceptual framework for the antecedents (Web experience, word-of-mouth, ability, integrity, and benevolence) and the consequences of consumer trust in e-commerce. We also use a person's disposition to trust as a moderating variable to see whether there is a contingent effect on the trust building. According to our preliminary results, both institutional-based trust and interpersonal-based trust are positively related to intention to trust.