PERCEIVED RISK AND CONSUMER ADOPTION OF MOBILE SHOPPING APPLICATIONS: A THEORETICAL ANALYSIS

This paper examines the influence of perceived risk on consumer adoption of mobile shopping applications through a comprehensive theoretical analysis. Despite the growing popularity of mobile commerce, consumer concerns about various types of risks continue to impede wider adoption of mobile shopping applications. This research integrates the Technology Acceptance Model (TAM) with the Perceived Risk Theory to develop a conceptual framework explaining how different dimensions of perceived risk—financial, performance, psychological, time, privacy, and security risks—influence consumers' behavioral intentions to adopt mobile shopping applications. The paper theoretically analyzes how these risk perceptions interact with key TAM constructs such as perceived usefulness and perceived ease of use. Additionally, the study explores how trust and risk reduction mechanisms can mediate the negative effects of perceived risks.