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ip between system risk and intention to use e-commerce via perceived usefulness and perceived ease of use. There is validity for both hypotheses H4 and H5.

DISCUSSION AND IMPLICATIONS

As shown in the results, all of the causal relationships between the constructs postulated by the intention to use e-commerce variables are supported in the Algeria dataset. The results suggest that perceived risk has negative effect on executive managers' intention to use e-commerce This research attempts to validate perceived system risk as a factor that affects the usage behavior of the tourism organizations in Algeria using the technology acceptance model (TAM). The results of this study show that all our hypotheses were supported, which revealed the importance of perceived system risk as determinants of e-commerce adoption behavior. When the level of perceived system risk in Algerian tourism organization is high toward e-commerce usage, the usefulness and ease of use of e-commerce would be less perceived in the organizations, the two variables also acted as mediators between perceived system risk and intention to use e-commerce, which shows that perceived risk will have negative effect.

These results on Algerian tourism organizations are consistent with the finding of previous research (Pavlou, 2003) The findings of this study have significant implications in the perspective of research on e-commerce risk that describes the security measures in the e-commerce application in the organizations; it provides also further evidence on the appropriateness of measuring the e-commerce behavior using technology acceptance model (TAM) and its application in organizations. However, this research is considered among the early studies which applied this model on Algerian organizations.

The findings of this study also suggest important practical implications for information systems managers and IT-related businesses currently providing services/products on the Internet as well as those are planning to do so. It is evident from this study that in order to guide to adoption behavior of organizations to use e-commerce, perceived ease of use and perceived usefulness of the e-commerce applications should be enhanced by reducing the lever of perceived risk, information systems managers are willing to be involved in the e-commerce business and use its system when the perceived risk is relatively low. Thus, diminishing such risk is considerably important to e-commerce application providers. To lower the system risk, e-commerce applications providers together with business organizations should establish a robust mechanism which utilizes state-of-art Internet technologies. For e-commerce services providers to business organizations, it is more important for them to place full trust on the privacy, security, integrity and availability that it helps organizations to build the beliefs of ease of use. Further, to reduce system risk in business organization, the e-commerce providers should also build trust in the business organizations in term of support and giving them complete confidence of the usefulness of the e-commerce services they provide.

CONCLUSIONS

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