Olivia Fachrunnisa, Ardian Adhiatma and Agus Wachyutomo , “ Cognitive and Affective Based Trust in Virtual Environment: Review and Directions ” Proceedings of the 26th International Business Information Management Association (IBIMA), ISBN: 978-0-9860419-5-2, 11-12 November 2015, Madrid, Spain, p.1693 - 1702 .