Table 3 Dimensions of risk factors...

Table 3

Dimensions of risk factors associated with digital buying

Constructs	Statements	References
Financial factor	Chances of misuse of credit/debit card information	Rana et al. (2021), Cecianti and Hati (2021), Guru et al. (2020), Ariff et al. (2014, June), Johnson and Ramirez (2020),Georgie (2021), Gabrielli et al. (2022), Daroch et al. (2021), Keating et al. (2009), Mahmood et al. (2021), Makhitha and Ngobeni (2021), Fihartini et al. (2021), Lissitsa and Kol (2021), Shahri Mejarshin et al. (2021), Masud et al. (2022)
	Cost being deducted but order not placed
	The financial details might not be protected
	Refund initiated by the supplier but not credited
	Unauthorised charges on returns/taxes/transportation
	Disclosure about price of product may be misleading
Contractual factor	Risk of guarantee/warrantee claim is confusing	Kariyawasam and Guy (2008), Teo and Yu (2005), Soni and Verghese (2018), Dorward (2001), Grabner-Kraeuter (2002), Sreya and Raveendran (2016), Shahzad (2015), Bhatti et al. (2019), Korgaonkar and Karson (2007)
	Risk of fulfilment of Warrantee/guarantee conditions
	Risk of return/replacement of products in case of product failure
	Risk of after sales service/maintenance work
	Risk of reselling the product
Psychological factor	Digital buying reveals individual’s social presence	Rasty et al. (2021), Ko et al. (2004), Brewer and Sebby (2021), Pentz et al. (2020), Lăzăroiu et al. (2020),Wu et al. (2020), Marceda Bach et al. (2020), Challet-Bouju et al. (2020),Yuen et al. (2020)
	Acceptance of products/services brought digital by their friends
	Concerned about possible loss of status social group
	Digital shopping affects the image of people around
Time risk factor	Waste of time if product does not meet expectation	Guru et al. (2020), Pham et al. (2020), Reddy et al. (2020), Ivanović-Đukić et al. (2020), Robinson et al. (2020), Saini (2022), Cho et al. (2010), Otika et al. (2019), Wai et al. (2019), Ofori et al. (2019)
	Waste of time if product delivered is damaged
	Selecting the right product is time consuming
	Risk of receiving wrong product
Social factor	Continuous reminders via social media on promotional/offers affects consumer psychology	Yahaya et al. (2021), Singh et al. (2021), Amirtha et al. (2022), Bhatti et al. (2019), Maziriri et al. (2017), Han et al. (2016), Pauzi et al. (2017), Park and Tussyadiah (2017)
	Consumers feel buying digital reflects self-esteem
	The digital buying leads to social isolation
Perceived quality factor	The quality of web portal is not adequate	Qalati et al. (2021), Ali et al. (2021), Sebastianelli et al. (2008), Mathur et al. (2021), Djakasaputra et al. (2021), Nguyen et al. (2021), Taufik et al. (2021), Ryu and Ko (2020), Lim (2020), Vancic et al. (2020)
	The quality of product and images are misleading
	Digital buying process does not finish one shot as

Constructs	Statements	References
Financial factor	Chances of misuse of credit/debit card information	Rana et al. (2021), Cecianti and Hati (2021), Guru et al. (2020), Ariff et al. (2014, June), Johnson and Ramirez (2020),Georgie (2021), Gabrielli et al. (2022), Daroch et al. (2021), Keating et al. (2009), Mahmood et al. (2021), Makhitha and Ngobeni (2021), Fihartini et al. (2021), Lissitsa and Kol (2021), Shahri Mejarshin et al. (2021), Masud et al. (2022)
	Cost being deducted but order not placed
	The financial details might not be protected
	Refund initiated by the supplier but not credited
	Unauthorised charges on returns/taxes/transportation
	Disclosure about price of product may be misleading
Contractual factor	Risk of guarantee/warrantee claim is confusing	Kariyawasam and Guy (2008), Teo and Yu (2005), Soni and Verghese (2018), Dorward (2001), Grabner-Kraeuter (2002), Sreya and Raveendran (2016), Shahzad (2015), Bhatti et al. (2019), Korgaonkar and Karson (2007)
	Risk of fulfilment of Warrantee/guarantee conditions
	Risk of return/replacement of products in case of product failure
	Risk of after sales service/maintenance work
	Risk of reselling the product
Psychological factor	Digital buying reveals individual’s social presence	Rasty et al. (2021), Ko et al. (2004), Brewer and Sebby (2021), Pentz et al. (2020), Lăzăroiu et al. (2020),Wu et al. (2020), Marceda Bach et al. (2020), Challet-Bouju et al. (2020),Yuen et al. (2020)
	Acceptance of products/services brought digital by their friends
	Concerned about possible loss of status social group
	Digital shopping affects the image of people around
Time risk factor	Waste of time if product does not meet expectation	Guru et al. (2020), Pham et al. (2020), Reddy et al. (2020), Ivanović-Đukić et al. (2020), Robinson et al. (2020), Saini (2022), Cho et al. (2010), Otika et al. (2019), Wai et al. (2019), Ofori et al. (2019)
	Waste of time if product delivered is damaged
	Selecting the right product is time consuming
	Risk of receiving wrong product
Social factor	Continuous reminders via social media on promotional/offers affects consumer psychology	Yahaya et al. (2021), Singh et al. (2021), Amirtha et al. (2022), Bhatti et al. (2019), Maziriri et al. (2017), Han et al. (2016), Pauzi et al. (2017), Park and Tussyadiah (2017)
	Consumers feel buying digital reflects self-esteem
	The digital buying leads to social isolation
Perceived quality factor	The quality of web portal is not adequate	Qalati et al. (2021), Ali et al. (2021), Sebastianelli et al. (2008), Mathur et al. (2021), Djakasaputra et al. (2021), Nguyen et al. (2021), Taufik et al. (2021), Ryu and Ko (2020), Lim (2020), Vancic et al. (2020)
	The quality of product and images are misleading
	Digital buying process does not finish one shot as

Source(s): Table created by authors

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