Re-Evaluating Trust and Privacy Concerns When Purchasing a Mobile App: Re-Calibrating for the Increasing Role of Artificial Intelligence.

Mobile apps utilize the features of a mobile device to offer an ever-growing range of functionalities. This vast choice of functionalities is usually available for a small fee or for free. These apps access the user’s personal data, utilizing both the sensors on the device and big data from several sources. Nowadays, Artificial Intelligence (AI) is enhancing the ability to utilize more data and gain deeper insight. This increase in the access and utilization of personal information offers benefits but also challenges to trust. Using questionnaire data from Germany, this research explores the role of trust from the consumer’s perspective when purchasing mobile apps with enhanced AI. Models of trust from e-commerce are adapted to this specific context. A model is proposed and explored with quantitative methods. Structural Equation Modeling enables the relatively complex model to be tested and supported. Propensity to trust, institution-based trust, perceived sensitivity of personal information, and trust in the mobile app are found to impact the intention to use the mobile app with enhanced AI.