| Possible cause of low e-commerce adoption among individuals | Related literature |
| Suspected differences (peculiarities) in distribution channel structure | Graham, 2008; Teo & Liu, 2007; Nishimura & Punzo, 1999; Geyskens, Steenkamp, & Kumar, 1998 |
| Role of government/facilitation of e-business in general/difficulty in obtaining financing by companies eager to invest in e-business solutions/adequacy of legal framework which supports e-businesses | Damaskopoulos & Evgeniou, 2003 |
| Lack of know-how of e-business owners/guarantees and return policies/bad service | Racolta-Paina & Luca, 2010; Constantinides, 2004; Damaskopoulos & Evgeniou, 2003 |
| Cultural peculiarities/social attitudes toward e-commerce | Benbasat et al., 2010; Gefen, Benbasat, & Pavlou, 2008; Benbasat et al., 2008; Teo & Liu, 2007; Damaskopoulos & Evgeniou, 2003 |
| Trust issues related to: cultural peculiarities privacy, concerns gender differences, transaction security and, customer data safety brand awareness, esthetics and design/web quality | Benbasat et al., 2010; Urban et al., 2009a; Gefen et al., 2008; Benbasat et al., 2008; Awad & Ragowsky, 2008; (Kelton et al., 2008; Hwang & Kim, 2007; Cazier et al., 2006; Bart, Shankar, Sultan, & Urban, 2005; Constantinides, 2004; Mcknight et al., 2002; Geyskens et al., 1998) |