Abstract In this research, the authors utilized a survey to evaluate the notional values of the overall risk, the privacy risk, and the financial risk of using a credit card and an RFID-based E-payment service from risk-neutral and risk-averse users. With the known extra financial risk (in terms of monetary value) to be faced by the users in using two different versions of an RFID-based E-payment service, the authors determined the notional monetary value of the extra privacy risk posed by providing personal and financial information to the E-payment service and the differences in the risk aversion of the two groups of users. The findings may help E-payment service developers design better E-payment services based on a better understanding of the value of personal data in their users’ perspectives and, thus, help determine the appropriate incentives for attracting users to use their services.

中文翻译：

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使用电子支付服务的风险的“价格标签”

摘要在这项研究中，作者利用一项调查来评估从风险中性和规避风险的角度使用信用卡和基于RFID的电子支付服务的总体风险，隐私风险和财务风险的名义价值用户。在使用两种不同版本的基于RFID的电子支付服务时，用户将面临已知的额外财务风险（以货币价值计），因此作者确定了通过提供个人信息而带来的额外隐私风险的名义货币价值电子付款服务的财务信息，以及两组用户在风险规避方面的差异。这些发现可能有助于电子支付服务开发人员在更好地理解其用户观点下个人数据的价值的基础上设计更好的电子支付服务，从而，