Fear of bank transactions. Nga et al.

(2011) found that materialism was

a partial predictor in the relationship between compulsive buying and image

consciousness behavior of youth. They reported mediating the relationship

between credit cards and materialism. This was because college students

lacked information about credit card use and its financial implications.

Most individuals are worried about the possibility that their personal

information might leak when they use the internet, thus becoming the major

obstacle of developing new media (Wang et al., 2022). For example, a

consumer may use online banking transactions for convenience, but the fear

of security online might keep them from engaging in online banking service

(Zhang et al., 2022). In addition, online bank transactions involve privacy and

security risk, this discourages consumers from making an online purchase due

to the possibility of identity theft Shankar and Rishi (2020).

The study conducted by Wei et al. (2010), finds that security concerns of

the online transaction and the reliability of the vendors directly affect the

consumers in adopting e-commerce. Security measures should be given

importance especially in handling the information provided by customers and

the organization should focus on maintaining zero fraudulent acts to make the

customers satisfied about their privacy. Shoppers hesitate to shop online due

to the possibility that their personal details might be exposed. This brings a

negative relationship with behavioral intention which indicates that online

shopping is still risky despite its numerous benefits (Tandon et al., 2017).
 Traditional is more convenient than online shopping. Online buying

is also more convenient and time-saving than traditional purchasing because

of hectic lifestyles and long work hours. Customers benefit from easy payment

options, shorter travel distances and costs, and the comfort of buying from

home (Akroush and Al-Debei, 2015). Moreover, price comparisons are simple

to accomplish while purchasing online (Aziz and Wahid, 2018; Martin et al.,

2015). Another study found that availability, affordable prices, discounts,

comparisons, customer service, ease of use, time, and a wide selection are

the primary factors that influence online purchasing. Additionally, customers

tend to buy on a specific website that intrigues their interest in purchasing the

features and appearance of the website (Jadhav and Khanna, 2016).

Even with all the benefits, some consumers might think internet buying is

unreliable and unsafe. According to the research, customers trust brands

considerably more than retailers who offer them, and there is a substantial

correlation between brand loyalty and trust (Bilgihan, 2016; Chaturvedi et al.,

2016). Because there is no in-person interaction between the merchant and the

customer when purchasing online, it is not socializing. The customer may find it

hard to build trust (George et al., 2015). To turn a prospective consumer into a

real customer, you must have faith in the online buyer. Although the Internet

offers an infinite amount of goods and services, there is a perceived risk

associated with digital buying methods including mobile application shopping,

catalog shopping, and mail-order shopping (Aziz and Wahid, 2018).

precursor to inducing repeat purchases. In this regard, both trust and reputation

of online retailers are lubricants to online purchases. Trust and reputation could

have different perceptions between the sexes. With both trust and reputation

this increases its relevance in research on how online retailers manage to

understand the two concepts. Our premise is based on a substantial body of

research that has found evidence that females and male respond to and

express risk differently. (Chiu et al., 2014).

According to the study of (Eisenbeiss et al.,2014), stated that ‘firm

reputation can also serve as an important heuristic cue in post-purchase

situations. Recent works, drawing on signaling theory have highlighted the

value of reputation in online exchanges. Wherein customers lacking information

on an online retailer use reputational cues to develop beliefs and drive

purchase intentions. (Kozlenkova, Palmatier, Fang, Xiao, & Huang, 2017; Li,

Fang, Wang, Lim, & Liang, 2015; Oghazi et al., 2018). Therefore, reputation

reduces perceived risk, signals higher quality, and provides an ex-ante

assurance of a reliable exchange on online business (Fang et al., 2014).

In the example considered by Cowen (2017), high reputation is

associated with being a national brand (as opposed to a local brand). We

consider two online equivalents of the distinction between sellers who have a lot

to lose and sellers who do not. First, we would expect that, all else equal,

incumbent sellers—that is, continuing sellers—have more to lose than entrants,

where the latter are defined as sellers who only start selling after the demand
shock takes place. Second, we would expect that large sellers, which we define

as sellers with a greater number of consumer reviews, have more to lose than

small sellers.

Experience. The online shopping experience continues to evolve as

consumers increasingly rely on their social connections, opinion leaders, online

recommendation engines, and other technology. Industry reports that the

adoption of tablets and smartphones continues to rise, and subsequently,

customers shop online using smartphones and tablets. (Cheung et al., 2015).

Furthermore, (Siwiki 2014), said that we are fast moving to where mobile

isn't referred to as a separate channel, m-commerce and e-commerce. The

whole customer experience of the firm's service has essentially converged.

Customers now expect great service consistently, whenever and wherever they

are, regardless of the medium they are using.

Dholakia and Zhao, (2010), found that it is more difficult to satisfy

experienced customers, because during the process they have acquired more

information. Giannakos et al. (2011), stated that the effect of experience on trust

is marginal when comparing high- and low-experienced customers. They also

suggest that experience should be examined as a moderator of the effect of

trust on satisfaction and customer loyalty. Because trust seems to be more

important when the customer has less information about the online vendor or

has not made many online purchases in the past. Hsieh and Liao (2011), add to
this suggestion by verifying the moderating effect of experience among trust

and customers’ behavioral intentions.