Examining the Relative Influence of Risk and Control on Intention to Adopt Risky Technologies


  • Sumeet Gupta Dept of Business Administration Shri Shankaracharya Institute of Technology and Management Junwani, Bhilai (C.G.) 490020
  • Heng Xu College of Information Sciences and Technology The Pennsylvania State University 316H IST Building University Park, PA 16802




mobile banking, security concerns, perceived risk, perceived control


For technologies such as electronic commerce, mobile payments, internet and mobile banking etc. customers are concerned about security issues that arise as a result of adoption of these technologies. However, in practice, we find that customers forgo their considerations of risk in the technology, if the benefits of using the technology overpower the risks involved in using the technology. Understanding their relative roles in technology adoption will help technology developers focus their efforts on either of them to improve technology adoption. Results of this study reveal that in adopting a technology, customers are guided more by the perception of control rather than by the perception of risk. Implications for theory and practice are discussed.


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Author Biographies

Sumeet Gupta, Dept of Business Administration Shri Shankaracharya Institute of Technology and Management Junwani, Bhilai (C.G.) 490020

Sumeet Gupta is currently heading the Department of Business Administration at Shri Shankaracharya Institute of Technology and Management, Bhilai. He received MBA and PhD (Information systems) from National University of Singapore. He was a research fellow with the Logistics Institute – Asia Pacific. He has published several papers in top tier International journals (Decision Support Systems, International Journal of e-Commerce, European Journal of Operations Research, Information Resources Management Journal and Omega) and Conferences (International Conference of Information Systems, AMCIS, ECIS, AOM and POMS. He has also published many book chapters for leading International books. He is also a reviewer for decision support systems and International conference on information systems (ICIS).

Heng Xu, College of Information Sciences and Technology The Pennsylvania State University 316H IST Building University Park, PA 16802

Dr. Heng Xu is an assistant professor ofInformation Sciences and Technology at the Pennsylvania State University where she is a recipient of the endowed PNC Technologies Career Development Professorship (2010-2013).  She has authored over 50 research papers on information privacy, security management, human-computer interaction, and technology innovation adoption. Her current research focus is on the interplay between social and technological issues associated with information privacy. She approaches privacy issues through a combination of empirical, theoretical and technical research efforts. Her research projects have been dealing with the conceptualization, intervention, and design aspects of information privacy. She is a recipient of the NSF Faculty Early Career Development (CAREER) Award (2010 - 2015) in support of her research program.


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Accepted November 30, 2010




How to Cite

Gupta, S., & Xu, H. (2010). Examining the Relative Influence of Risk and Control on Intention to Adopt Risky Technologies. Journal of Technology Management & Innovation, 5(4), 22–37. https://doi.org/10.4067/S0718-27242010000400003



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