Discuss about the Second Language Research for Methodology and Design.
There is rapid growth in E-marketing services .It is used by large number of population for buying good. The advantage of e-marketing is that the costumer can take out the action from his home, office or anywhere. Consumer can purchase anything and E-marketing organizations are able to drop the goods at consumer door step by using internet.
Every thing has both positive and negative parts. It has too dark side. The main dark side of credit cards is privacy and security on using time. Through online activity there is risk that the person using credit card is actual holder or not. So there should be risk through online.
The main focus of this research would be alertness of the customer towards the usage of e-marketing while using the credit card. Some additional steps which would take to deter the user to prevent credit card frauds.
E-commerce indicates to the transmission of funds through electronic system. The main aim of transfer of funds can be for trading of products. With the usage of electronic networks E- commerce was originated in the 70’s. The first profitable usage of e-Commerce was the transmission of funds without cash with the help of telecommunications network. Now a day’s use of ATM’s is an example of E-commerce. This use of electronic medium between banks leading to the use in regular business documents. Through the rise of internet all these go on. As the internet widen so did the alteration in the use of funds for purposes other than banking business. All this rise e-Marketing, in which exchange in products, goods or services to take place (Grant et al., 2014).
APCA (The Australian Payment Clearing Association) is the payment clearings regulatory body of Australia. From 2006 it regularly discloses the data on different frauds conducted when using cheques and cards. The APCA collects the data from different associations which are related to finance and circulate everywhere. There were an estimated 38 million debit card accounts and 15.5 million credit card accounts on issue in Australia as of December 2013 .
There are different types of frauds that are happen on cards which are Stolen cards, Counterfeiting and fraud transactions that are done by fraudulent user for example they do online shopping.
Sofo & Sofo (2013).studied that there is disaster change in the global banking system by using mobile technology. According to Gupta the internet technology has greatly affected on people while purchasing the products. According to him the mobile sector will help banks them to cut down the cost of financial transactions.
Zone & Packet (2015) studied the expansion of crime being, done in Australia. According to them the challenge to prevent credit card is to reduce the risks of such frauds so that the loss can be reduced. According to them, the level of credit card fraud being increased the crime rate. There is a huge gap to understand how credit card crime rate is taking place. They suggest methods to constrict the destiny, by limited use of cards to the internet, having different PIN for different cards (Wojciechowska-Filipek & Ciekanowski, 2017).
A study was conducted in Victoria, Australia amongst the costumers, retailers and stakeholders. The study found that there is a lack of understanding. They felt that there should be need for proper publication of information regarding credit card frauds. The government and law enforcement should be more attentive with the information to what they are doing to prevent these crimes. There was essential to look after the e-retailers activities. The surveyors felt that consumer associations should arrange a platform for grievance redressal, to educate and monitor retailers, consumers and stakeholders (Sharma & Lijuan, 2014).
A study conducted In Australia, in 2007 amongst undergraduate students of Melbourne, to know the risk of credit card use and it possess in the E-market. The study wanted to expand the alertness and thus the knowledge level of the students towards credit card use and fraud. It also found that how the students dealt with such online frauds based on survey. The highest rate of fraud that the student faced was due to spam (El Namaki, 2014).
A study found that for the acceptance of the e-Commerce business there should be organizational e-Readiness, vitality of the brand of the product, merits of using the e-Commerce institution, the purchasing power of the consumer. Some of the demerits of not using e-Commerce if the lack of feasibility of product trial, dislike to use credit card, presence of bad quality websites and lack of trust due to security and privacy conditions (Fowler, 2015).
In Australia a study conducted in 2013 found that Cash was one of favorite modes of payment. Elderly people mostly prefer cash as a mode of payment. In last three years it shows that there has been increased in use of card as compare to that of cash. In 2013 mostly people preferred card rather than cash (Feng & Qin, 2016).
A study was organized in Australia depicts that there is a relationship between credit card frauds and online marketing. The study was able to show that with expansion in the level of awareness of the credit card user there is a reduction in the fraud (Prieger & Heil, 2016).
The aim of the research is to propose a comprehensive outline of the hazards involved in e-Marketing using Credit Card.
The research question for this assignment is as follows:
The objective of the research is as follows:
To be able to find the main aim of the research both a qualitative and quantitative techniques will be used. The qualitative analysis typically requires a small size of the sample. The basic concept of qualitative research is that mostly it depends upon the knowledge and examines the interviewer. This quantitative research will be used to evaluate the sampling (Zikmund 2013).
The researcher will use the philosophy of positivism, deductive research approach and descriptive research design in order to progress ahead with the research. This is because the philosophy will help the researcher to arrive at the outcome of the study based on scientifically proven tools and techniques. The researcher will not choose the inductive research approach, as no new theory or model after reaching the inference of the research. Therefore, deductive approach will be deemed fit for the study. The descriptive research design will be chosen in this study, as this specific design will help the researcher to identify the reasons and issues behind the research.
The essential data will be collected in the form of a survey questionnaire. The spotlight of the survey would be to anticipate how usually consumers use e-Commerce to buy goods through online. The survey would also reflect the numbers of goods that consumers mostly purchase through online (Mackey & Gass, 2015). This would help us to give knowledge about the different methods of payment that customer preferred for online purchasing of goods (Flick, 2015). Thus we will be able to learn whether the buyer is familiar of the risks involved by using of credit cards. The above would be used to identify the different cautions being taken by the user to deter such risky factors.
Analysis tools will be used for analysis and exploratory data. This will be used to making assumption about the distribution of the data (Panneerselvam, 2014). Non-parametric studies will be used to verify sum of the ranks and comparison between two.
The latest study is based on using credit cards by the user in e-marketing will illustrate the alertness regarding the use of credit card. It will also emphasize his awareness towards the risky factors that are involved in the use of credit cards. Thus it will give and insight into the preventive steps taken by the consumer towards the risks.
Conclusion
The main advantage of e-marketing is that the consumer can place an order of any items from anywhere he wants to purchase goods by clicking of the mouse while sitting in home, office.. E-marketing system is providing door to door steps facilities items. The success of the e-marketing sector has been achievable through internet system. But this growth in the e-marketing is not without its negative points.
The shareholders in the e-commerce industry are familiar with such frauds and are performing good job to save the interest of the costumer and user is also to be aware of the risky factors of e-marketing with credit cards and thus should take preventive steps to protect him.
References:
El Namaki, M. S. S. (2014). Strategic thinking for turbulent times. Springer.
Feng, X., & Qin, J. (2016). Online P2P Lending: Factors, Behaviors, and Mechanisms. In Encyclopedia of E-Commerce Development, Implementation, and Management (pp. 1693-1705). IGI Global.
Flick, U. (2015). Introducing research methodology: A beginner’s guide to doing a research project. Sage.
Fowler, B. (2015). Construction EMarketing. Lulu. com.
Grant, K., Edgar, D., Sukumar, A., & Meyer, M. (2014). ‘Risky business’: Perceptions of e-business risk by UK small and medium sized enterprises (SMEs). International Journal of Information Management, 34(2), 99-122.
Mackey, A., & Gass, S. M. (2015). Second language research: Methodology and design. Routledge.
Panneerselvam, R. (2014). Research methodology. PHI Learning Pvt. Ltd.
Prieger, J. E., & Heil, D. (2016). Microeconomic Aspects of E-Commerce. In Encyclopedia of E-Commerce Development, Implementation, and Management (pp. 2315-2331). IGI Global.
Sharma, G., & Lijuan, W. (2014). Ethical perspectives on e-commerce: an empirical investigation. Internet Research, 24(4), 414-435.
Sofo, M., & Sofo, F. (2013). E-marketing as an antecedent to online fraud. In E-Marketing in Developed and Developing Countries: Emerging Practices (pp. 194-213). IGI Global.
Wojciechowska-Filipek, S., & Ciekanowski, Z. (2017). Identification of Risks Related to the Operations in the Internet. In Risk Management in Public Administration (pp. 227-256). Springer International Publishing.
Zone, E., & Packet, A. (2015). Industrial. Urbana, 51, 61801.
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