online service settings are evaluated, centers on consumers’
interpretations and perceptions of web site and payment
security systems. Structural equation modeling supports H3
and validates the hypothesized link between assessments of
online financial security and web site trust (g ¼ 0:519).
Although this link is marginally the weakest association with
online trust of the three e-servicescape dimensions, the
standardized parameter estimated is nevertheless very strongly
statistically significant (p , 0:001). This finding supports the
argument of a number of commentators who have argued that
consumers are more concerned with security issues in the
online service environment than in offline contexts (e.g.
Szymanski and Hise, 2000; Schiffman et al., 2003).
Therefore, formally, H3 is accepte