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D. J. Kim, D. L. Ferrin and H. R. Rao, “A Trust-Based Consumer Decision-Making Model in Electronic Commerce: The role of Trust, Perceived Risk, and Their Antecedents,” Decision Support Systems, Vol. 44, No. 2, 2008, pp. 544-564. doi:10.1016/j.dss.2007.07.001

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