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Credit Card Use and Risks in the E-Market: A Case Study in Melbourne, Australia
Abstract
This chapter aims to (1) examine the awareness and experience of undergraduates in Melbourne, Australia of current and potential online risks, (2) explore how undergraduates deal with online incidents, and (3) make policy recommendations on how to enhance e-consumer protection. A total of 802 valid responses were received from the surveys conducted in Melbourne, Australia in 2007-2008. Findings demonstrate that most of the respondents were not aware of online incidents which could lead to credit card fraud. A number of them have encountered online incidents. Also, several respondents would less likely seek help from government and/or non-government organisations when encountering online incidents. Overall, credit card use and risks in the e-market is an under-research area in Australia, and this is a pilot study in this field. Findings from this chapter would contribute to the body of knowledge of credit card use and debt due to online shopping, and e-consumer protection.
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