E-Payment Security Mechanisms on Lazada: The Case of Malaysian and Thai

Abstract

Lazada is one of the famous online e-commerce platforms in Southeast Asia. Even though it is the same organization, but the operation, and mechanism in every country is not 100% the same, because it will localize the user experiences and user interface for every country. In this study, Malaysia and Thailand is chosen to determine if the localization of user experience and user interface will affect on the security mechanism. Due to the large amount of online transaction, it is needed to have a strong security mechanism to protect the users from the internet hackers and scam. Hence, in this research, the security mechanism from users’ perspective will be studied. The most used security constructs such as Transaction Procedure, Technical Protection, Security Statements, Perceived Security and Perceived Trust are studied to identify the difference in the extent of the electronic payment system (EPS) used in Lazada between Malaysian and Thai users. Quantitative research method is applied with total of 250 samples collected from Malaysian and Thai users. The collected data is analysed through SPSS with Pearson Correlation Analysis to determine the hypothesis. The results of the data analysis indicate that Malaysians and Thais have different perceptions of the security mechanisms on Lazada, with Malaysians placing greater emphasis on Security Statements and Technical Protection and Thais on Security Statements and Perceived Trust. It proved that the localization of user interface and user experiences from the perspective of security mechanism will bring different perspectives for the users.