Trust development in e‐services: a cohort analysis of Millennials and Baby Boomers

Building trust is crucial for e‐service providers looking to develop long‐term customer relationships. But consumers from dissimilar demographic groups behave differently. Therefore, the aim of this study is to investigate the question, how do consumers from different generational cohorts develop trust in a website?

An experimental study focuses on the navigation, vendor advice, privacy, and feedback mechanisms of an e‐tailer website. The between‐subjects design tests the effects of these four drivers on the online trust of 197 Millennials and 201 Baby Boomers.

The presence of feedback mechanisms, navigation, and vendor advice are stronger determinants of online trust for Millennials than for Baby Boomers; privacy is a stronger determinant for Baby Boomers.

This study focuses on four crucial variables of the website interface; further research should include other variables. Extensions to other e‐service settings, beyond online retailers, would be interesting. Finally, this study includes only Millennials and Baby Boomers rather than members of other generations.

The results provide insights into how different generational cohorts dissimilarly develop online trust and highlight the need for managers to consider the online behaviors of cohorts when developing websites. Managers should emphasize the privacy elements for Baby Boomers but highlight navigation, vendor advice, and feedback mechanisms for Millennials.

This study is the first to research generational differences in the development of trust online.