{"id":"https://openalex.org/W7134128470","doi":"https://doi.org/10.3390/jtaer21030086","title":"Algorithmic Transparency and Consumer Trade-Offs in AI-Based Financial E-Commerce Services","display_name":"Algorithmic Transparency and Consumer Trade-Offs in AI-Based Financial E-Commerce Services","publication_year":2026,"publication_date":"2026-03-06","ids":{"openalex":"https://openalex.org/W7134128470","doi":"https://doi.org/10.3390/jtaer21030086"},"language":"en","primary_location":{"id":"doi:10.3390/jtaer21030086","is_oa":true,"landing_page_url":"https://doi.org/10.3390/jtaer21030086","pdf_url":"https://www.mdpi.com/0718-1876/21/3/86/pdf?version=1772810495","source":{"id":"https://openalex.org/S27967161","display_name":"Journal of theoretical and applied electronic commerce research","issn_l":"0718-1876","issn":["0718-1876"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Theoretical and Applied Electronic Commerce Research","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://www.mdpi.com/0718-1876/21/3/86/pdf?version=1772810495","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"Jihye Choi","orcid":"https://orcid.org/0000-0001-7054-0289"},"institutions":[{"id":"https://openalex.org/I139264467","display_name":"Seoul National University","ror":"https://ror.org/04h9pn542","country_code":"KR","type":"education","lineage":["https://openalex.org/I139264467"]}],"countries":["KR"],"is_corresponding":false,"raw_author_name":"Jihye Choi","raw_affiliation_strings":["Technology Management, Economics and Policy Program, Seoul National University, Gwanak-ro 1, Gwanak-gu, Seoul 08826, Republic of Korea"],"raw_orcid":"https://orcid.org/0000-0001-7054-0289","affiliations":[{"raw_affiliation_string":"Technology Management, Economics and Policy Program, Seoul National University, Gwanak-ro 1, Gwanak-gu, Seoul 08826, Republic of Korea","institution_ids":["https://openalex.org/I139264467"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5007281075","display_name":"Seunggyu Kang","orcid":"https://orcid.org/0000-0002-7271-4032"},"institutions":[{"id":"https://openalex.org/I191879574","display_name":"Inha University","ror":"https://ror.org/01easw929","country_code":"KR","type":"education","lineage":["https://openalex.org/I191879574"]}],"countries":["KR"],"is_corresponding":false,"raw_author_name":"Seunggyu Kang","raw_affiliation_strings":["Department of Industrial Engineering, Inha University, Inha-ro 100, Michuhol-gu, Incheon 22212, Republic of Korea"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Industrial Engineering, Inha University, Inha-ro 100, Michuhol-gu, Incheon 22212, Republic of Korea","institution_ids":["https://openalex.org/I191879574"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5038183941","display_name":"J.E. Moon","orcid":"https://orcid.org/0009-0001-3688-3584"},"institutions":[{"id":"https://openalex.org/I191879574","display_name":"Inha University","ror":"https://ror.org/01easw929","country_code":"KR","type":"education","lineage":["https://openalex.org/I191879574"]}],"countries":["KR"],"is_corresponding":false,"raw_author_name":"Jonghyeon Moon","raw_affiliation_strings":["Department of Consumer Science, Inha University, Inha-ro 100, Michuhol-gu, Incheon 22212, Republic of Korea"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Consumer Science, Inha University, Inha-ro 100, Michuhol-gu, Incheon 22212, Republic of Korea","institution_ids":["https://openalex.org/I191879574"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5128298346","display_name":"Soobean Jeon","orcid":null},"institutions":[{"id":"https://openalex.org/I191879574","display_name":"Inha University","ror":"https://ror.org/01easw929","country_code":"KR","type":"education","lineage":["https://openalex.org/I191879574"]}],"countries":["KR"],"is_corresponding":false,"raw_author_name":"Soobean Jeon","raw_affiliation_strings":["Department of Statistics, Inha University, Inha-ro 100, Michuhol-gu, Incheon 22212, Republic of Korea"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Statistics, Inha University, Inha-ro 100, Michuhol-gu, Incheon 22212, Republic of Korea","institution_ids":["https://openalex.org/I191879574"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5010929980","display_name":"Sesil Lim","orcid":"https://orcid.org/0000-0002-2227-8906"},"institutions":[{"id":"https://openalex.org/I191879574","display_name":"Inha University","ror":"https://ror.org/01easw929","country_code":"KR","type":"education","lineage":["https://openalex.org/I191879574"]}],"countries":["KR"],"is_corresponding":true,"raw_author_name":"Sesil Lim","raw_affiliation_strings":["Department of Industrial Engineering, Inha University, Inha-ro 100, Michuhol-gu, Incheon 22212, Republic of Korea"],"raw_orcid":"https://orcid.org/0000-0002-2227-8906","affiliations":[{"raw_affiliation_string":"Department of Industrial Engineering, Inha University, Inha-ro 100, Michuhol-gu, Incheon 22212, Republic of Korea","institution_ids":["https://openalex.org/I191879574"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":5,"corresponding_author_ids":["https://openalex.org/A5010929980"],"corresponding_institution_ids":["https://openalex.org/I191879574"],"apc_list":{"value":1000,"currency":"CHF","value_usd":1082},"apc_paid":{"value":1000,"currency":"CHF","value_usd":1082},"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.34284948,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"21","issue":"3","first_page":"86","last_page":"86"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10883","display_name":"Ethics and Social Impacts of AI","score":0.1281999945640564,"subfield":{"id":"https://openalex.org/subfields/3311","display_name":"Safety Research"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10883","display_name":"Ethics and Social Impacts of AI","score":0.1281999945640564,"subfield":{"id":"https://openalex.org/subfields/3311","display_name":"Safety Research"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12128","display_name":"AI in Service Interactions","score":0.1145000010728836,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.0746999979019165,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/transparency","display_name":"Transparency (behavior)","score":0.805400013923645},{"id":"https://openalex.org/keywords/portfolio","display_name":"Portfolio","score":0.5881999731063843},{"id":"https://openalex.org/keywords/personalization","display_name":"Personalization","score":0.5864999890327454},{"id":"https://openalex.org/keywords/autonomy","display_name":"Autonomy","score":0.5263000130653381},{"id":"https://openalex.org/keywords/service","display_name":"Service (business)","score":0.4745999872684479},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.4458000063896179},{"id":"https://openalex.org/keywords/mixed-logit","display_name":"Mixed logit","score":0.4374000132083893},{"id":"https://openalex.org/keywords/control","display_name":"Control (management)","score":0.42570000886917114},{"id":"https://openalex.org/keywords/consumer-choice","display_name":"Consumer choice","score":0.35429999232292175}],"concepts":[{"id":"https://openalex.org/C2780233690","wikidata":"https://www.wikidata.org/wiki/Q535347","display_name":"Transparency (behavior)","level":2,"score":0.805400013923645},{"id":"https://openalex.org/C2780821815","wikidata":"https://www.wikidata.org/wiki/Q5340806","display_name":"Portfolio","level":2,"score":0.5881999731063843},{"id":"https://openalex.org/C183003079","wikidata":"https://www.wikidata.org/wiki/Q1000371","display_name":"Personalization","level":2,"score":0.5864999890327454},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5266000032424927},{"id":"https://openalex.org/C65414064","wikidata":"https://www.wikidata.org/wiki/Q484105","display_name":"Autonomy","level":2,"score":0.5263000130653381},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.4745999872684479},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.4458000063896179},{"id":"https://openalex.org/C95057490","wikidata":"https://www.wikidata.org/wiki/Q6883984","display_name":"Mixed logit","level":3,"score":0.4374000132083893},{"id":"https://openalex.org/C2775924081","wikidata":"https://www.wikidata.org/wiki/Q55608371","display_name":"Control (management)","level":2,"score":0.42570000886917114},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3634999990463257},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.3596000075340271},{"id":"https://openalex.org/C2776314989","wikidata":"https://www.wikidata.org/wiki/Q833495","display_name":"Consumer choice","level":2,"score":0.35429999232292175},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.35100001096725464},{"id":"https://openalex.org/C23213687","wikidata":"https://www.wikidata.org/wiki/Q301468","display_name":"Consumer behaviour","level":2,"score":0.3497999906539917},{"id":"https://openalex.org/C190669063","wikidata":"https://www.wikidata.org/wiki/Q5282043","display_name":"Discrete choice","level":2,"score":0.34130001068115234},{"id":"https://openalex.org/C20136886","wikidata":"https://www.wikidata.org/wiki/Q749647","display_name":"Interoperability","level":2,"score":0.33059999346733093},{"id":"https://openalex.org/C70727504","wikidata":"https://www.wikidata.org/wiki/Q1806878","display_name":"Latent class model","level":2,"score":0.3215999901294708},{"id":"https://openalex.org/C140331021","wikidata":"https://www.wikidata.org/wiki/Q1868104","display_name":"Logit","level":2,"score":0.3197999894618988},{"id":"https://openalex.org/C116537","wikidata":"https://www.wikidata.org/wiki/Q2169973","display_name":"Service provider","level":3,"score":0.30889999866485596},{"id":"https://openalex.org/C19244329","wikidata":"https://www.wikidata.org/wiki/Q208697","display_name":"Financial market","level":2,"score":0.2980000078678131},{"id":"https://openalex.org/C166052673","wikidata":"https://www.wikidata.org/wiki/Q83021","display_name":"Empirical evidence","level":2,"score":0.29409998655319214},{"id":"https://openalex.org/C108759981","wikidata":"https://www.wikidata.org/wiki/Q788590","display_name":"Authorization","level":2,"score":0.29350000619888306},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.28349998593330383},{"id":"https://openalex.org/C199521495","wikidata":"https://www.wikidata.org/wiki/Q181487","display_name":"Audit","level":2,"score":0.27559998631477356},{"id":"https://openalex.org/C181622380","wikidata":"https://www.wikidata.org/wiki/Q26911","display_name":"Profit (economics)","level":2,"score":0.2639000117778778}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.3390/jtaer21030086","is_oa":true,"landing_page_url":"https://doi.org/10.3390/jtaer21030086","pdf_url":"https://www.mdpi.com/0718-1876/21/3/86/pdf?version=1772810495","source":{"id":"https://openalex.org/S27967161","display_name":"Journal of theoretical and applied electronic commerce research","issn_l":"0718-1876","issn":["0718-1876"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Theoretical and Applied Electronic Commerce Research","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:7fd7a5c48e674c7c9f4b3e228a9b300d","is_oa":true,"landing_page_url":"https://doaj.org/article/7fd7a5c48e674c7c9f4b3e228a9b300d","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Journal of Theoretical and Applied Electronic Commerce Research, Vol 21, Iss 3, p 86 (2026)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.3390/jtaer21030086","is_oa":true,"landing_page_url":"https://doi.org/10.3390/jtaer21030086","pdf_url":"https://www.mdpi.com/0718-1876/21/3/86/pdf?version=1772810495","source":{"id":"https://openalex.org/S27967161","display_name":"Journal of theoretical and applied electronic commerce research","issn_l":"0718-1876","issn":["0718-1876"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Theoretical and Applied Electronic Commerce Research","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[{"id":"https://openalex.org/G7263535773","display_name":null,"funder_award_id":"66138","funder_id":"https://openalex.org/F4320321370","funder_display_name":"Inha University"}],"funders":[{"id":"https://openalex.org/F4320321370","display_name":"Inha University","ror":"https://ror.org/01easw929"}],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7134128470.pdf","grobid_xml":"https://content.openalex.org/works/W7134128470.grobid-xml"},"referenced_works_count":70,"referenced_works":["https://openalex.org/W534311","https://openalex.org/W99501841","https://openalex.org/W1202833455","https://openalex.org/W1506609358","https://openalex.org/W1574235309","https://openalex.org/W1708393801","https://openalex.org/W1791587663","https://openalex.org/W1965961207","https://openalex.org/W1976943697","https://openalex.org/W1980877068","https://openalex.org/W2015678840","https://openalex.org/W2018516812","https://openalex.org/W2029807096","https://openalex.org/W2045248509","https://openalex.org/W2052825132","https://openalex.org/W2053234682","https://openalex.org/W2060493953","https://openalex.org/W2078666525","https://openalex.org/W2079817125","https://openalex.org/W2080453063","https://openalex.org/W2080725209","https://openalex.org/W2083028962","https://openalex.org/W2090330784","https://openalex.org/W2093584567","https://openalex.org/W2096434649","https://openalex.org/W2096886991","https://openalex.org/W2097118035","https://openalex.org/W2100767128","https://openalex.org/W2108860923","https://openalex.org/W2130736456","https://openalex.org/W2136869669","https://openalex.org/W2148962857","https://openalex.org/W2155825816","https://openalex.org/W2403343111","https://openalex.org/W2575439561","https://openalex.org/W2795321837","https://openalex.org/W2796133875","https://openalex.org/W2800068874","https://openalex.org/W2801318856","https://openalex.org/W2942109571","https://openalex.org/W2954849019","https://openalex.org/W2959313178","https://openalex.org/W2966512280","https://openalex.org/W2969614040","https://openalex.org/W3011865677","https://openalex.org/W3012094463","https://openalex.org/W3036975457","https://openalex.org/W3093033010","https://openalex.org/W3121705224","https://openalex.org/W3123069937","https://openalex.org/W3123379013","https://openalex.org/W3124893980","https://openalex.org/W3124991388","https://openalex.org/W3125633690","https://openalex.org/W3144406692","https://openalex.org/W3163411042","https://openalex.org/W3199291273","https://openalex.org/W4211239526","https://openalex.org/W4211248349","https://openalex.org/W4243342770","https://openalex.org/W4248588746","https://openalex.org/W4286698112","https://openalex.org/W4292157289","https://openalex.org/W4292289324","https://openalex.org/W4387015137","https://openalex.org/W4390955832","https://openalex.org/W4399008945","https://openalex.org/W4400197613","https://openalex.org/W4408216437","https://openalex.org/W4413094511"],"related_works":[],"abstract_inverted_index":{"Algorithmic":[0],"transparency":[1,21,101],"is":[2,29],"widely":[3],"considered":[4],"essential":[5],"for":[6],"fostering":[7],"trust":[8],"in":[9,36,52,139,172],"AI-based":[10],"financial":[11,173],"e-commerce":[12,174],"services.":[13],"However,":[14],"empirical":[15],"evidence":[16],"remains":[17],"limited":[18],"on":[19,114],"whether":[20],"benefits":[22],"all":[23],"consumers":[24,44],"uniformly":[25],"and":[26,49,65,81,86,117,193],"how":[27,43],"it":[28,135],"evaluated":[30],"relative":[31],"to":[32,93,149,185],"other":[33],"service":[34,129,146],"attributes":[35],"realistic":[37],"decision":[38],"contexts.":[39],"This":[40],"study":[41],"examines":[42],"trade":[45],"off":[46],"transparency,":[47,85],"personalization,":[48],"user":[50,82],"control":[51,83],"robo-advisor":[53],"(RA)":[54],"services":[55],"across":[56],"different":[57],"consumer":[58,115],"segments.":[59],"Through":[60],"a":[61,106,126,144,176],"discrete":[62],"choice":[63],"experiment":[64],"latent":[66],"class":[67],"logit":[68],"modeling,":[69],"two":[70],"distinct":[71,151],"segments":[72],"are":[73],"identified:":[74],"selective":[75],"high-expertise":[76],"investors,":[77],"who":[78,90],"prioritize":[79],"personalization":[80],"over":[84],"receptive":[87],"general":[88],"consumers,":[89],"respond":[91],"strongly":[92],"enhanced":[94],"explainability.":[95],"These":[96,165],"findings":[97],"indicate":[98],"that":[99,124,168,179],"algorithmic":[100],"does":[102],"not":[103],"serve":[104],"as":[105],"universal":[107],"design":[108,130],"solution":[109],"but":[110],"operates":[111],"conditionally":[112],"based":[113],"expertise":[116],"attribute":[118],"interactions.":[119],"Simulation":[120],"results":[121,166],"further":[122],"show":[123],"while":[125],"regulation-compliant,":[127],"uniform":[128],"may":[131],"facilitate":[132],"market":[133],"entry,":[134],"constraints":[136],"long-term":[137],"expansion":[138],"heterogeneous":[140],"markets.":[141],"In":[142],"contrast,":[143],"segment-based":[145],"portfolio":[147],"calibrated":[148],"the":[150,161,187],"preferences":[152],"of":[153,190],"each":[154],"group":[155],"significantly":[156],"increases":[157],"overall":[158],"adoption":[159],"under":[160],"same":[162],"regulatory":[163],"constraints.":[164],"suggest":[167],"sustainable":[169],"AI":[170],"diffusion":[171],"requires":[175],"nuanced":[177],"approach":[178],"balances":[180],"disclosure":[181],"with":[182],"functional":[183],"autonomy":[184],"address":[186],"diverse":[188],"needs":[189],"both":[191],"sophisticated":[192],"novice":[194],"users.":[195]},"counts_by_year":[],"updated_date":"2026-05-21T06:26:12.895304","created_date":"2026-03-08T00:00:00"}
