Opting Out: The Effects of Consumer Information Sharing Concern on Perceived Value in E-Banking Service Relationships
Bibliographic record
Abstract
This article examines consumer support for the opt-out principle, which is the view that sellers should be allowed to contact prospective customers with offers as long as these customers are provided the opportunity of opting-out of further contact. Consumers with low or no support for opt-out take the opinion that a firm must first have their permission before contacting them. Using survey data, this article examines the moderating effects of consumer opt-out belief on the impact of three consumer anxiety related online banking evaluations. The results show that when consumers have a high opt-out belief, the effect of firm commitment to privacy on perceived value is reduced, the effect of trust in technology on perceived value is increased and the negative effect of information ambiguity of perceived value is attenuated. The findings on the moderating effect of consumer opt-out belief are consistent with the predictions of research on idiocentric/allocentric personality traits. Research and managerial implications are discussed.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.003 | 0.018 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.001 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.001 | 0.002 |
| Insufficient payload (model declined to judge) | 0.004 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".