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EJM
41,9/10

The nature of trust in brands:

a psychosocial model
Richard Elliott
University of Bath, Bath, UK, and

988

Natalia Yannopoulou
University of Warwick, Coventry, UK

Received November 2005

Revised November 2006
Accepted March 2007

Abstract
Purpose The paper seeks to explore empirically the lived experience of trust in consumer brands
and to develop a model focusing on functional and symbolic brands.
Design/methodology/approach The paper presents an exploratory, grounded theory approach
and the study conducted in-depth interviews.
Findings The findings reveal that when consumers are facing buying choices of functional brands
that do not involve much risk and the price is low, familiarity is sufficient for their action. When risk
and price levels increase, consumers seek a safe purchase choice regarding functional brands through
confidence and dependability, while in the case of symbolic brands consumers have to trust the brand
in order to make a purchase choice.
Research limitations/implications By exploring the concept of trust within the consumer
domain and in particular in relation to functional and symbolic brands, this study offers insights into
an area that has received noticeably limited research up to today. Furthermore the development of the
psychosocial model of trust in brands offers opportunities to theoreticians for further research
regarding the factors that influence trust in each stage, as well as ways to restore or transfer trust
when needed.
Practical implications The study presents a tool to marketing practitioners, which will assist
them in building and preserving long-term trusting customer relationships.
Originality/value The value of our research lies in the development of a psychosocial model of
trust in brands by drawing on both social theory and on the psychology of human relationships.
Keywords Trust, Brands, Social theories, Psychology
Paper type Research paper

European Journal of Marketing

Vol. 41 No. 9/10, 2007
pp. 988-998
q Emerald Group Publishing Limited
0309-0566
DOI 10.1108/03090560710773309

The ultimate goal of marketing is to generate an intense bond between the consumer
and the brand, and the main ingredient of this bond is trust (Hiscock, 2001), but trust
is an elusive concept. A wide variety of conceptualizations have resulted in a
confusing potpourri of definitions applied to a host of units and level of analysis
(Shapiro, 1987). For Deutsch (1958), trust is a persons willingness to be dependent on
another party in the belief that the party will not intentionally disappoint them. Dwyer
and Oh (1987) maintain that trust refers to a partys expectation that another desires
coordination, will fulfill its obligations, and will pull its weight in the relationship.
Bagozzi (1975) sees trust as the degree of perceived validity in the statements or actions
of ones partner in a relationship. Shapiro (1987) defines trust as a social relationship in
which principals invest resources, authority, or responsibility in another to act on their
behalf for some uncertain future return, while Powell (1990) views trust as cooperation
that emerges from mutual interests with behavior standards that no individual can
determine alone. Ring and Van de Ven (1994) interpret trust as faith in the moral

integrity or goodwill of others, and Gulati (1995) defines trust a type of expectation that
alleviates the fear that ones partner will act opportunistically. For Gronroos (1990),
trust is cooperation or commitment to a mutual cause.
Drawing on both social theory and on the psychology of human relationships, this
paper makes a key distinction between the concepts of familiarity, confidence and
trust, and emphasises the process through which trust develops over time. We then
explore empirically the lived experience of trust in brands and develop a psychosocial
model of trust in brands.
A social theory of trust
A sociological theory of trust is proposed by Luhmann (1979), who argues that there
are three modes of asserting expectations about the future based on personal
experiences and cultural meaning systems:
(1) familiarity;
(2) confidence; and
(3) trust.
Familiarity is a precondition of trust: Trust is only possible in a familiar world, it
needs history as a reliable background (Luhmann, 1979, p. 20). But trust is required
only in situations of high perceived risk; at other times confidence or mere familiarity
will suffice for action to ensue. One who trusts takes cognizance of the possibility of
excessive harm arising from the selectivity of others actions and a fundamental
condition of trust is that it must be possible for the partner to abuse the trust and that
the partner must have a considerable interest in doing so (Luhmann, 1979, p. 24).
In order to relate the active investment of trust to expectations about the future,
Mollering (2001) argues that a further element is required to enable the proverbial leap
of trust, and this is suspension. Suspension is the mechanism of bracketing the
unknowable, thus making expectations of the future momentarily certain.
Translating this approach to consumer brands, when faced with purchase decisions
involving low levels of perceived risk, familiarity (which is a binary division as things
are either familiar or they are unfamiliar) will suffice for purchase. At higher levels of
perceived risk, confidence is required and this is a mix of cognitive and emotional
perceptions, largely based on experience. At high levels of perceived risk trust becomes
necessary for purchase to occur and this involves emotional judgments rather than
cognitions, and for suspension of fear of the unknowable. With repetition over time,
risk perceptions reduce and trust reverts to confidence. This is illustrated graphically
in Figure 1.
Risk and brands
Some research in marketing has focused on the strategies developed by consumers to
reduce risks by using well-known brands (Ring et al., 1980), as branding provides
guarantees about quality and security (Aaker, 1991) and trust is seen as a vital
component for the brand to build a lasting relationship with consumers. Thus, a strong
brand is a safe place for consumers because it enables them to better visualize and
understand the offer and face up with the uncertainty and perceived risk associated
with buying and consuming a product.

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Figure 1.
A social theory of trust

Fournier (1998) refers to the concept of brand relationship quality and provides a
framework for characterizing and better understanding the types of relationships
consumers form with brands based on the assumption that the brand is viewed as a
contributing relationship partner with regard to the consumer. In other words, the
brand is considered as an active member of the relationship through the activities of
the manager that administrates it, rather than as a passive object. Consequently, what
matters in the building of brand relationships is not simply what managers intend for
them, or what brand images contain in the culture (Solomon, 1983), but what
consumers do with brands to add meaning in their lives, as consumers do not choose
brands, they choose lives (Fournier, 1998).
Consumers may also assign personality qualities to inanimate brand objects and
think about brands as if they were human characters (Levy, 1985), which lead to the
observation that the greater the congruity between the human characteristics that
consistently and distinctively describe an individuals actual or ideal self and those
that describe a brand, the greater the preference for the brand (Malhotra, 1988). Brand
personality is defined as the set of human characteristics associated with a brand
(Aaker, 1997) and research has examined the way the personality of a brand enables a
consumer to express his own self, an ideal self, or numerous possible dimensions of the
self through the use of a brand (Belk, 1988; Kleine et al., 1993).
Hence, a dyadic relationship exists between consumers and brands and, as a
consequence, trust is needed in order to enable both parties to maintain and preferably
develop this relationship by eliminating the perceived uncertainty and risk that are
involved in consumers buying behavior.
Trust in human relationships
Psychological theory allows us to further model how trust in brands develops over time
with experience by analogy with the way that we develop trust within human
relationships. Trust in people evolves out of past experiences and prior interactions and
develops in stages moving from predictability, to dependability, to trust and eventually
sometimes to faith (Rempel et al., 1985). This represents a hierarchy of emotional
involvement which reaches trust when people make an emotional involvement in another
person. The basic requirements for predictability are some experience of consistency of
behavior from which we can build a knowledge base. Dependability requires further

experience and involves a move away from specific behaviors to a more generalised set of
beliefs which are invested in the person. This move is likely to depend heavily on the
accumulation of evidence from a limited and diagnostic set of experiences involving risk
and personal vulnerability. Trust requires a move from reliance on rational cognitions to
reliance on emotion and sentiment and a developing intimacy, which leads to an
investment of emotion in the person (see Figure 2).

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991
The lived experience of trust in brands and its betrayal
In the social as well as physical sciences, many phenomena are most salient when they
are in the process of change. Likewise, it is when relationships are vulnerable that trust
is likely to be in a process of transition. Therefore, the most opportune time to examine
trust may occur when stress and conflict have created a situation where confidence in
the other is an issue (Rempel et al., 1985). Trust is unstable by its nature, and Luhmann
(1979) maintains that the secure expectations that have been developed when one
trusts in most cases collapse at the first disappointment, and as a result the
relationship changes as trust decreases or is being eliminated. Garfinkel (1967)
demonstrates in a series of experiments that when trust is betrayed, people become
uncomfortable, bewildered, angry. This leads us to focus on consumers experiences
where a problem had arisen or when consumers were dissatisfied by their interaction
with a particular brand. More specifically, we explore the way consumers are
influenced by risk perceptions and draw on credibility, dependability and trust when
making purchasing decisions in relation to both functional and symbolic brands (Park
et al., 1986). We also explore how they felt when their trust was betrayed.
An exploratory grounded theory study
As it is a methodology that was specifically designed for the generation of theory, we
chose an interpretivist grounded theory approach:
The procedures of grounded theory are designed to develop a well integrated set of concepts
that provide a thorough theoretical explanation of social phenomena under study. A
grounded theory should explain as well as describe. It may also implicitly give some degree of
predictability, but only with regard to specific conditions [. . .] Grounded theory seeks not
only to uncover relevant conditions, but also to determine how the actors respond to changing
conditions and to the consequences of their actions [. . .] The data collection procedures
involve interviews and observations as well as other sources (Corbin and Strauss, 1990, p. 5).

We conducted 14 in-depth interviews of an average duration of one hour, with seven

female and seven male respondents between the ages of 25 and 40 years old. The
theoretical or purposive sampling criterion, that is sampling for theory construction,

Figure 2.
The dynamics of personal
trust

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not for representativeness of a given population (Charmaz, 1995, p. 28), was that they
should have had disappointing experiences with functional or symbolic brands. We
started our analysis by conducting microanalysis that is the detailed line-by-line
analysis necessary at the beginning of a study to generate initial categories, with their
properties and dimensions, and to suggest relationships among categories (Strauss
and Corbin, 1998, p. 57) in order to examine what assumptions about our data we are
taking for granted and to ensure analytic distance. Throughout our analysis we
conceptualized and classified events, acts and outcomes. The categories that emerged,
along with their relationships, were the foundations for our developing theory. We then
proceeded to focused coding with the aim of creating and trying out categories, which
intended to be as conceptual as possible in order to capture our data (Charmaz, 1995).
More specifically, our analysis included the following steps (Strauss and Corbin,
1997; Morse, 1994):
(1) studying the difference in buying behavior between functional and symbolic
brands in relation to risk;
(2) exploring the change in consumer behavior and brand perception when a
problem with a trusted brand occurs;
(3) conducting further interviews to refine our findings; and
(4) incorporating theoretical models with the findings of our interviews into a
proposed psycho-social model of trust in brands.
Excerpts from the transcripts have been organized around our central explanatory
concept of lived experience of trust in consumer brands and are presented below to
illustrate the findings.
Risk and functional brands
When consumers are facing buying choices of functional brands that do not involve
much risk and the price is low, familiarity is sufficient for their action. In this case,
predictability and credibility leads them to an easy choice of brand.
Hazel: I wanted to buy a light for my desk. I immediately though of Argos, I knew they would
have lights, I had been there before and they have very good prices. That was more than
enough, besides it was just a light.
Nora: Every time I move to another place and have to get lets say a land-line or internet
connection, I will immediately think of BT. I never cared to ask around. BT is well known,
their pricing strategy seems satisfactory to me and even though their service is not that great,
I trust them. I just do. With BT I dont have to worry. They make me feel secure, confident
about my choice.

When risk and price levels increase, consumers seek a safe purchase choice regarding
functional brands through confidence and dependability.
I: How many printers did you have before buying this one?
Nodas: Well, maybe 7 or 8 printers.
I: And which brand were they?
Nodas: Well I used to have an Epson perhaps at the beginning but then I switched to Hewlett
Packard, they were all Hewlett Packard after that first one.

I: So what is your perception of the brand?

Nodas: Its reliable, its good, its compatible, you can trust it. I think the thing I have is I dont
have second thoughts about, I mean I never say maybe this will break down, it has never
happened at a critical moment so I do trust Hewlett Packard.

Risk and symbolic brands

When discussing symbolic brands we notice that trust appears and moreover becomes
significant to consumer behavior. In this case the perceptions of purchase risk, as well
as the price level are notably high, and as a result symbolic brands have to inspire trust
to consumers in order to be preferred.
Nick: I am very particular when it comes to watches. I am a guy you see, we dont have lots of
accessories, and the kind of watch once wears is one of the few things that gets noticed by
people. So I do believe that having a good watch is essential. I bought one last year, the one I
wanted to buy for some time now, but couldnt afford it until recently.
I: What brand is it?
Nick: Rolex, of course! You cant do better than that. It is quite expensive but you can relay on
it getting the message across. Its a symbol of power and success and everybody knows it . . .
Roland: I like BMW cars because usually they are good quality and BMW is a brand you can
trust throughout time [. . .] Apart from 89 weve always had a BMW at home. We also had
other brands besides but there was always a BMW, now weve got two, the old one my
sisters driving and another one.

Furthermore, trust is a dynamic variable and symbolic brands need to develop

perceptions of consumer-brand intimacy and emotional investment in order to be
perceived as trustworthy brand choices within markets of high perceived risk and
price levels.
Martin: The thing is with my car. I had a Jeep Grand Cherokee which was a sports utility
vehicle 6 years ago I think. Before I purchased the vehicle I had done an extensive amount of
research on the car because first of all its not cheap, secondly because it was almost like a
dream, a dream car for me [. . .] Jeep is a legendary brand name, it was commissioned in the
Second World War. It has like excellent quality, design, power, makes you feel great, like
being someone very special when you are behind the wheel.

The betrayal of trust

Luhmann (1979) maintains that trust is unstable by its nature and that the secure
expectations that have been developed when one trusts, in most cases collapse at the
first disappointment and as a result the relationship changes as trust decreases or is
being eliminated. When consumers felt disappointed by a brand they trusted, they
became angry and upset:
Roland: I felt very annoyed actually, obviously.
Ilias: I was very angry.
Mike: Frustrated, pissed off.
Claire: I was extremely hurt and upset.

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When trust is betrayed most respondents changed their perception of the brand and
trust in it decreased dramatically or was eliminated:
Martin: No, no, never will I buy again. Actually not even am I not going to buy a Chrysler, Ill
tell other people not to buy a Chrysler and if I see some of my friends driving a Chrysler Ill
laugh at them. Because with my own bad experience I just dont trust the brand any more,
period.

However, there were occasions when even though respondents have had a bad and
disappointing experience with a brand they trusted, they would continue to trust the
brand and be willing to buy it again:
I: Has this frustrating experience influenced your perception of Sony?
Martin: A bit but not a whole lot, not a whole lot because Sony do have a very strong
marketing campaign. They get you hooked on the stuff. I am already thinking of buying their
new Walkman, its so so cool.

In some cases, trust has not been eliminated or even been decreased, on the contrary it
has been tested and survived:
I: And this constant problem you had with your car not responding for a while, from time to
time, didnt it change your perception of the brand?
Nodas: Well no, actually no because I felt that it was like, in terms of fundamentals the car
was fine, for me it was reliable. You cant expect everything from a product. It was reliable, it
was nice, it was practical, so that was not a reason for me to say Volkswagen Polo is not a
good brand. On the contrary I will definitely consider buying a Volkswagen car again. I mean
why not? Of course you are stressed when this happens but I think it was very important for
me the fact that the dealer was really supporting me so I had the feeling that even if
something goes wrong I have someone to talk to about it.

The transfer of trust from person to brand

There is some evidence that it is possible for trust to be transferred to a brand not from
our own experience but through recommendations of people who belong to our close
social environment, such as family and friends:
Roland: . . . it gave me sufficient confidence to buy this laptop knowing that my sister hadnt
had any problems with the brand.
Heather: Oil of Ulay moisturizer is a product that my mum was always very loyal to and shes
bought it all her life and she always used to say to me, this is the best thing for you to buy, so I
bought it and I used it [. . .] for five years and I always just thought that it was the right thing
to be using.
Hazel: I tend to listen to my friends advice. If they have any bad experience about anything,
when I need to make a purchase I would pay attention to that. For example, like a computer, a
laptop, some friends told me there is a flaw in which brand, I cant really remember, but
anyway in a specific brand and when I look into that product category I would avoid buying,
not the brand but probably the model. Because for a laptop sometimes the flaw would just
occur in different models but not necessarily because of the brand. So if I know that some
models are not reliable, it doesnt matter how cheap the price is I wouldnt go for it because I
dont want to give myself a hard time.
I: So you get information from your friends when considering buying something?

Hazel: Yes. Yes I would ask around.

I: What if you already know this brand or have another product of this brand, would you still
ask around?

The nature of
trust in brands

Hazel: I still ask around.

Aristea: I wanted to buy a new desktop and my brother suggested Sony. I trust my brother so
I trust his recommendations, every time I ask him about a brand especially when it is a
technology related brand, I end up buying what he suggests even though I might be talking
and discussing it with many other people, friends. I always buy what he says, I totally trust
him.
I: Have you ever had a disappointing experience from any product or brand he had suggested
you to buy?
Aristea: Well, the Sony computer, it has caused me so much inconvenience and created me so
many problems. It has a very difficult software which I cant use, so many multimedia options
which even though I watch movies, and download and listen to music and everything
through my computer dont need all these programs and they take so much space. Oh, for the
past month it shuts down as I am working, there is something very wrong with it and I am
afraid it might crushes down at some point and would not be able to switch it on again and
lose all my stuff. I am really bad in keeping back ups. Anyway, lots of problems. I didnt
expect it to be like that and I have had Sony products before, mobile phones and others, never
had a problem, I liked them a lot and they are suppose to be good quality and very reliable.
I: So it turned out that your brothers recommendation was not the best choice?
Aristea: No, no, I think there is something wrong with this specific one, if I send it for repair it
will be ok, well I hope so. I still think its a great computer and love the big screen it has and is
fast and reliable. I just think I was unlucky.
I: You still consider it reliable besides all the problems you have had?
Aristea: Yes, I do. It is, Sony it is very reliable. Maybe bit more complicated than I expected
but yes reliable.

Hence, when we trust the person, then we will may transfer that trust to the brand or
product that they recommend.
A psychosocial model of brand trust
Having viewed our data afresh, again and again and developed new ideas throughout
our analysis, as grounded theory offers a set of flexible strategies, not rigid
prescriptions (Charmaz, 2000, p. 513) we unfolded our findings in the above set of
interrelated concepts, which reduced data from our 14 interviews into concepts and
sets of relational statements that can be used to explain the lived experience of trust in
consumer brands. Having integrated the above major categories that have emerged
from our exploratory study with the theoretical models discussed earlier, we concluded
with the formation of a larger theoretical scheme leading our research findings to take
the form of theory through an integrative model of trust and consumer brands.
The concept of trust is particularly relevant to symbolic brands, with high
involvement due to high perceptions of purchase risk. Functional brands, at the lowest
level of perceived risk if they are very familiar, provide an easy choice based on
predictability and credibility. With increased risk functional brands provide a safe
choice through confidence which allows consumers to depend on them. Symbolic
brands in markets with high perceived risk need to provide trust which is achieved

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through developing perceptions of consumer-brand intimacy and emotional

investment (see Figure 3).
Some implications for brand strategy
Consistency of experience
As a brand is built over time, before confidence or trust can be developed consumers
need repeated experiences with the brand so as to build beliefs about its predictability
and dependability. This applies to any type of interaction with the brand, from the
actual product or service experience, the briefest communication with a companys
representative, a glance at a brand symbol, to the brands communication approach.
Thus consistency in all aspects of the brand is essential in any brand strategy.
Reassurance
As levels of involvement rise, consumers cross into an emotional domain when an easy
choice becomes a safe choice. The difference is due to increasing levels of risk, both
functional and symbolic. As risk increases, a consumer choice has to be more than just
easy, and the brand needs to develop a relationship of confidence with the brand, so
that the consumer can depend on it. This calls for marketing communications that
emphasise reassurance.
Storytelling
Developing perceptions of trust in symbolic brands involves the development of a
consumer-brand relationship based largely on personal experience with the brand. In
particular, perceptions of intimacy are required before the consumer will make an
emotional investment in the brand and these depend crucially on the brand
demonstrating it cares about the consumers experience with the brand. This requires
the brand to engage in two-way communications with consumers to build a sense of
intimacy, and recent research (Escalas, 2004) suggests that a key element may involve
marketing communications that tell a story that the consumer can use to interpret
their own lives.

Figure 3.
A psychosocial model of
brand trust

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About the authors
Richard Elliott is Professor of Marketing and Consumer Research at the University of Bath
School of management, and a Fellow of St Annes College, Oxford. He is a visiting professor at
ESSEC Paris, Bocconi Universita Commerciale Milan, Thammasat University Bangkok, Hong
Kong Polytechnic University and Helsinki University of Technology. Previously he was the first
person to be appointed to a Readership in Marketing at the University of Oxford and was a
Deputy Director of the Said Business School. He worked for 12 years in brand management with
a number of US multinationals and as an Account Director at an international advertising
agency. Richard Elliott is the corresponding author and can be contacted at: r.elliott@bath.ac.uk
Natalia Yannopoulou is Doctoral Researcher of Marketing and Consumer Research at the
University of Warwick. She has an MBA with specialisation in marketing and has worked for six
years in marketing and strategy with two US multinationals in Europe and Latin America.

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