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1.1 INTRODUCTION OF THE TOPIC The growing use of Internet in India provides a developing prospect for online shopping.

If E-marketers know the factors affecting online Indian behavior, and the relationships between these factors and the type of online buyers, then they can further develop their marketing strategies to convert potential customers into active ones, while retaining existent online customers. This project is a part of study, and focuses on factors which online Indian buyers keep in mind while shopping online. This research found that information, perceived usefulness, ease of use; perceived enjoyment and security/privacy are the five dominant factors which influence consumer perceptions of online purchasing. Internet is changing the way consumers shop and buy goods and services, and has rapidly evolved into a global phenomenon. Many companies have started using the Internet with the aim of cutting marketing costs, thereby reducing the price of their products and services in order to stay ahead in highly competitive markets. Companies also use the Internet to convey communicates and disseminate information, to sell the product, to take feedback and also to conduct satisfaction surveys with customers. Customers use the Internet not only to buy the product online, but also to compare prices, product features and after sale service facilities the will receive if they purchase the product from a particular store. Many experts are optimistic about the prospect of online business. In addition to the tremendous potential of the Ecommerce market, the Internet provides a unique opportunity for companies to more efficiently reach existing and potential customers. Although most of the revenue of online transactions comes from business-to-business commerce, the practitioners of business-toconsumer commerce should not lose confidence .It has been more than a decade since business-to-consumer E-commerce first evolved. Scholars and practitioners of electronic commerce constantly strive to gain an improved insight into consumer behavior in cyberspace. Along with the development of E-retailing, researchers continue to explain Econsumer behavior from different perspectives. Many of their studies have posited new emergent factors or assumptions which are based on the traditional models of consumer behavior, and then examine their validity in the Internet context. E-commerce has been taken for granted. People prefer e-commerce for its convenience and predicted revenue. As nowadays communication bandwidths rise with the increase of broadband connections, and as customer terminals become more powerful, sophisticated, easier to use, affordable and portable, there is no doubt that e-commerce will lead to an enormous change in peoples daily life. E-commerce is changing the shape of competition,
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the dynamics of the customer relationship, the speed of fulfillment, and the nature of leadership. To compete effectively in the e-commerce world, a company must structurally transform its internal foundation. This structural change requires a company to develop an innovative e-commerce strategy, focusing on speed to market and breakthrough execution. This structural change requires large-scale process changes, focusing on reducing variation and hand-offs. At the same time, companies must also develop a potent ecommerce infrastructure oriented toward continuous service improvement and ceaseless innovation.

1.2 PROBLEM STATEMENT The main question that requires an answer is What affects the consumer online behavior 1.3 RESEARCH OBJECTIVES The objective of this study is to synthesize the representative existing literature on consumer online shopping attitudes and behavior based on an analytical literature review. In doing so, this study attempts to provide a comprehensive picture of the status of this subfield and point out limitations and areas for future research. The purpose of this research study is to investigate online consumer behavior, which in turn provides E-marketers with a constructional framework for fine-tuning their E-businesses strategies. The specific objectives of this research are: To identify key factors influencing online shopping purchase behavior. To identify the factors that can explain the differences in online buying behavior among different online buyers.

1.4 PROJECT SCOPE This study will only focus on factors that influence the consumer online behavior associated with E-commerce. The prototype will not operate as a complete e-commerce website but consumer trust will be the main priority in the development process. This study is focused on business to consumer (B2C) concept in e- commerce E-commerce marketers to understand the factors that influence the on online consumer behavior.

1.5 INTRODUCTION OF E-COMMERCE

A Terminology of Electronic Commerce there are various definitions of electronic commerce (EC) coined by famous scholars. New definitions arise parallel with the evolving of technologies to adapt with the current situation and environment. Yet, there is one definition that still remains intact with the real meaning of electronic commerce. Kalakota and Whinston (1997) define EC from four different perspectives, which somehow described the role that EC plays in different area. Several EC related books have adopted these definitions: From a communications perspective, EC is the delivery of goods, services, information, or payment over computer networks or by any other electronic means. From a business perspective, EC is the application of technology toward the automation of business transactions and workflow. From a service perspective, EC is a tool that addresses the desire of firms, consumers, and management to cut service costs while improving the quality of customer service and increasing the speed of service delivery. From an online perspective, EC provides the capability of buying and selling products and information over the Internet and other online services. From a collaborations perspective, EC is the facilitator for inter- and intraorganizational collaboration From a community perspective, EC provides a gathering place for community members, to learn, transact and collaborate. From a production process perspective, EC converts digital inputs into value-added outputs through a set of intermediaries. According to Peter Drucker, e-commerce is the explosive emergence of the Internet as a major, perhaps eventually the major, worldwide distribution channel for goods, for services, and, surprisingly, for managerial and professional jobs. (Peter Drucker 2002, 14) Electronic Commerce (EC) is the process of buying, selling, transferring, or exchanging products, services, and/ or information via computer, networks, including the Internet. A common classification of EC is by the nature of the transactions or the relationship among participants. Distinguished types of e-commerce can be divided into business- to- business, business- toconsumer, business-to-business-to-consumer, consumer-to-business, mobile commerce, intra10

business e-commerce, business-to-employees, collaborative commerce, consumer-toconsumer, peer-to-peer applications, e-learning, e-government, exchange-to exchange and non-business EC.

The Internet has developed an into a new distribution channel and online transaction are rapidly increasing. This has created a need to under how the consumers perceive online purchasing. Price, Trust and Convenience were identified as important factors. Price was considered as to be a most important factor for a majority of the students. The internet has created a paradigm shift of the traditional way people shop. A consumer is no longer bound to opening a times or specific location. So he can become active at virtually any time anyplace and purchase the products or services. The internet is relatively a new medium for communication and the information exchange that has present in everyday life. The number of internet user is constantly increasing which is also signifies that online purchasing is increasing. The rapid increasing is explained by the consumer behavior. The internet is considered a mass medium that provides the consumers with purchase characteristics as no other medium. Certain characteristics are making it more convenient for the consumer compared to the traditional way of shopping, such as the ability to any time view and purchase products visualize the needs with products and discuss products with other consumers. Online shopping is the process of consumer go through the when they decide the shop on the internet. The internet has developed into a new distribution channel and the evaluation of this channel. E-commerce has now identified. Using the internet to shop online has become one of the primary reasons to use the internet combined with searching for products and finding the information about them. Therefore internet develop the h Companies also use the Internet to convey, communicate and disseminate information, to sell the product, to take feedback and also to conduct satisfaction surveys with customers. Customers use the Internet not only to buy the product online, but also to compare prices, product features and after sale service facilities they will receive if they purchase the product from a particular store. Many experts are optimistic about the prospect of online business. Due to the rapid development of the technologies surrounding the Internet, a company that is interested in selling products from its web site will constantly has to search for an edge in the fierce competition. Since there are so many potential consumers, it is of the out most importance to be able to understand what the consumer wants and needs.

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E-commerce (electronic commerce or EC) is the buying and selling of goods and services on the Internet, especially the World Wide Web. In practice, this term and a newer term, ebusiness, are often used interchangeably. For online retail selling, the term e-tailing is sometimes used Electronic commerce is generally considered to be the sales aspect of e-business. It also consists of the exchange of data to facilitate the financing and payment aspects of business transactions. E-commerce can be divided into E-tailing or "virtual storefronts" on Web sites with online catalogs, sometimes gathered into a "virtual mall" The gathering and use of demographic data through Web contacts Electronic Data Interchange (EDI), the business-to-business exchange of data E-mail and fax and their use as media for reaching prospects and established customers (for example, with newsletters) Business-to-business buying and selling The security of business transactions Today Ecommerce is an integral part of business because of various reasons like:

Ease of use & Accessibility all across the globe Great variety & easy compassion of products from different vendors Trusted payment channels Shopping can be done sitting in the convenience of home shopping, hence it is less time consuming. It is therefore very important for any new entrepreneur to understand the significance of E-Commerce and should know how to utilize this tool for the growth and development of business. So, whether you have an existing business or launching a brand new business, whether the volume of your business is large or small, you can always generate profit by demonstrating

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your products or services online, thereby acquiring a large amount of viewer exposure. In concise, buying and selling will result in profits and returns. There are so many factors which makes e-commerce to come to the fore front in today's world. Saving precious time involved in business transactions is really a prominent factor. Like for instance, net banking makes it easy to carry out money and baking transactions in a break neck speed as compared to the real banking scenario. This asserts the fact that Ecommerce is beneficial to both business and consumer wise as payment and documentations can be completed with greater efficiency and reliability. Another important factor determining the flow of whole business is connectivity. Connectivity is very important for both consumers and business. Ecommerce provides better connectivity for all the potential candidates all over the globe, thus helping in enhancing the business without any geographical barriers. From the view point of the customer, Ecommerce is a good platform for hassle free shopping by sitting in your home. The customer can browse through all the products and services available and can review and compare the prices of the similar products available in the online space. In global market scenario, the emergence of Ecommerce as a forerunner has opened up various windows of opportunities for a variety of online companies and investors. More and more resources are being directed into electronic securities, internet facilities, business plans and new technologies due to the boom in the space of E-commerce. As a result various new markets have emerged from Ecommerce itself giving a boost to the global market. 1.6 ELECTRONIC COMMERCE: CLASSIFICATIONS, TYPES OR CATEGORIES? EC can be divided into several sub categories depending on their functions. Some scholars refer these sub categories as types, models and classification. But in the context of EC as a tool to conduct business activities, the author agreed for these sub categories to be referred as categories of EC. Although there are several categories emerged based on the evolving and complex way of EC implementations, only four categories are consider the basic foundation for this emergence. This study focused on B2C implementations, as it is suitable with the objectives of study, which is related to consumer behavior generally, and consumer trust in EC specifically.

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1.7 DIFFERENT TYPE OF E-COMMERCE CATEGORIES.

Business-to-business (B2B) B2B activity refers to the full spectrum of e-commerce that can occur between two organizations. Among other activities, this includes purchasing and procurement, supplier management, inventory management, channel management, sales activities, payment management and service and support.

Business-to-consumer (B2C) B2C refers to exchanges between business and consumers, such as those managed by Amazon, Yahoo, Dell, and Charles Schwab & Co. Often, transactions take place that are similar to those in the B2B context. For instance, as with smaller B2B interactions, transactions that relate to the back-office of the customer (e.g., inventory management at the home) are often not tracked electronically. However, all customer-facing, or front office, activities are typically tracked. These include sales activities, consumer search, frequently asked questions, and service and support.

Consumer-to-consumer (C2C)

C2C exchanges involve transactions between or among consumers. These exchanges can include third-party involvement, as in the case of the auction website eBay. Other activities include classified ads, games, jobs, web-based communications, and personal services. C2C is also often referred to as peer-to-peer (P2P).

Consumer-to-business (C2B)

Consumer can band together to present themselves as a buyer group in a C2B relationship. These groups may be caused-related advocacy groups at SpeakOut.com.

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1.8 HISTORY OF E-COMMERCE Concerning Technology E-commerce began before personal computers were prevalent and has grown into a multibillion dollar industry. The meaning of the term "electronic commerce" has changed over the last 30 years. Originally, "electronic commerce" meant the facilitation of commercial transactions electronically, usually using technology like Electronic Data Interchange (EDI) and Electronic Funds Transfer (EFT), where both were introduced in the late 1970s, for example, to send commercial documents like purchase orders or invoices electronically. The 'electronic' or 'e' in e-commerce refers to the technology/systems; the 'commerce' refers to be traditional business models. E-commerce is the complete set of processes that support commercial business activities on a network. In the 1970s and 1980s, this would also have involved information analysis. The growth and acceptance of credit cards, automated teller machines (ATM) and telephone banking in the 1980s were also forms of e-commerce. However, from the 1990s onwards, this would include enterprise resource planning systems (ERP), data mining and data warehousing. In the dot com era, it came to include activities more precisely termed "Web commerce" - the purchase of goods and services over the World Wide Web, usually with secure connections (HTTPS, a special server protocol that encrypts confidential ordering data for customer protection) with e-shopping carts and with electronic payment services, like credit card payment authorizations. Today, it encompasses a very wide range of business activities and processes, from e-banking to offshore manufacturing to elogistics. The ever growing dependence of modern industries on electronically enabled business processes gave impetus to the growth and development of supporting systems, including backend systems, applications and middleware. Examples are broadband and fibreoptic networks, supply-chain management software, customer relationship management software, inventory control systems and financial accounting software. 1.9 CONCERNING DECISIONS/FOOT STEPS When the Web first became well-known among the general public in 1994, many journalists and pundits forecast that e-commerce would soon become a major economic sector. However, it took about four years for security protocols (like HTTPS) to become sufficiently developed and widely deployed. Subsequently, between 1998 and 2000, a substantial number of businesses in the United States and Western Europe developed rudimentary web sites.
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Although a large number of "pure e-commerce" companies disappeared during the dot-com collapse in 2000 and 2001, many "brick-and-mortar" retailers recognized that such companies had identified valuable niche markets and began to add e-commerce capabilities to their Web sites. For example, after the collapse of online grocer Web van, two traditional supermarket chains, Albertsons and Safeway, both started e-commerce subsidiaries through which consumers could order groceries online. The emergence of e-commerce also significantly lowered barriers to entry in the selling of many types of goods; accordingly many small home-based proprietors are able to use the internet to sell goods. Often, small sellers use online auction sites such as EBay, or sell via large corporate websites like Amazon.com, in order to take advantage of the exposure and setup convenience of such sites. 1.10 ONLINE SHOPPING IN INDIA E-commerce in India has been experiencing remarkable growth, successfully changing the way people transact. According to IBEF research of January 2013 says people today can shop literally everywhere within minutes, be it their workstations or homes, and most importantly, at any time of the day at their leisure. The online market space in the country is burgeoning in terms of offerings ranging from travel, movies, hotel reservations and books to the likes of matrimonial services, electronic gadgets, fashion accessories and even groceries. India is home to 3,311 e-commerce hubs, 1,267 rural hubs, 391 export hubs and 2,217 import hubs1. To capitalize on the anticipated growth potential, a host of investors, including venture capital (VC) and private equity (PE) firms are closely eyeing opportunities in e-commerce start-ups. At the same time, the sector is witnessing a swathe of consolidation owing to various mergers and acquisitions. However, industry experts believe this is just the start of the e-commerce wave in India. The growing penetration of technology facilitators such as Internet connections, broadband and third generation (3G) services, laptops, smart phones, tablets and dongles, coupled with increasing acceptance of the idea of virtual shopping, is set to drive the e-commerce ecosystem. The e-commerce story in India would surely witness a new world of digitalization in the coming decade, with a host of start-ups emerging to compete with existing players in order to draw benefits from the new and existing markets.

The sector is classified into four major types, based on the parties involved in the transactions Business-to-business (B2B), business-to-customer (B2C), customer-to-business (C2B) and customer-to-customer (C2C) (Exhibit 2).
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According to an Internet and Mobile Association of India (IAMAI) report, the overall ecommerce market in India has recorded a robust CAGR of 54.6 per cent and crossed USD10.0 billion during 200711. It is estimated to add another USD4 billion and reach USD14 billion by end-2012. Segment-wise, B2C dominated the sector with a 56.0 per cent share in 201011. Together, the B2C-C2C segments have shown significant growth; their aggregate market size stood at USD9.9 billion in 2011, while that for B2B segment was estimated at around USD48.8 million. However, B2Bs acceptance is on an upward trend due to its rising awareness amongst Small and Medium Enterprises (SMEs), which are close to 13 million in number.

It is a fact that a great online shopping revolution is expected in India in the coming years. There is a huge purchasing power of a youth population aged 18-40 in the urban area.

Currently, the retail division, which includes online sales of physical and digital goods, enjoys only a nominal share. Notably, in this division, e-tailing and financial services are the fastest growing segments with each capturing 5.8 per cent of the market as per 2011 statistics. E-commerce has expanded its foothold in the finance-based segments such as mutual funds and insurance. The Indian online retailing market is still evolving and certainly has room for growth; e-commerce accounts for just 0.1 per cent of total retail sales vis--vis more than 2.9 per cent in China. This number is quite low compared to the online retail penetration enjoyed by developed markets such as the US (7.0 per cent). However, this scenario is likely to change with the expected surge in Internet penetration and advent of 3G/4G telecom services.

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In addition, major retailers are providing warranties and discounts to attract customers to online stores.

1.10.1 SECTOR ENJOYS LARGER REVENUE CONTRIBUTION FROM TIER I, II AND III CITIES

According to a study2, Tier I, II and III cities accounted for almost 57.0 per cent of the total revenue derived from the various e-commerce product sites, while the remaining 43.0 per cent came from the eight metro cities. Similarly, for the service sites as well, tier I, II and tier III cities accounted for 54.0 per cent as against 46.0 per cent by the eight metropolises. Geographically, southern India leads with 41.0 per cent share of the entire Indian ecommerce landscape, followed by western India (27.0 per cent), as per 2011 numbers. This can be attributed to the high literacy rate in the south compared to the rest of India.

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1.10.2 RISING CONNECTIVITY

If we observe the growth of Internet Subscribers from the above graph, it is getting doubled year by year. The usage of internet in India is only 4% of the total population. This is also getting increased day by day as the costs of computers are decreasing and netpenetration is increasing. The cost of internet usage is also getting lower, with good competition among the providers. Wi-Fi & Wimax system has also started in India. This will increase the usage as it goes more on wireless internet. Indians are proving every 15time that they can beat the world when it comes to figures of online shopping. More and more Indians are going to online shopping and the frequency of Indias online buying is crossing the overall global averages.

1.10.2 ON-THE-GO SHOPPING FORMULA NEED OF THE DAY

Mobile phones are proving to be an important factor in the e-commerce ecosystem owing to its easy compatibility with the Internet. India has more than 900.0 million mobile users, of hich around 300.0 million use data services. This number is expected to touch 1200.0 million by 2015. Also, more than 100.0 million mobile users are expected to use 3G and 4G connectivity in the coming few years of the total 900.0 million mobile users, a meager 27.0 million are active on the Internet. Moreover, only 4.0 per cent of the active mobile internet users buy products through mobiles. However, mobile shopping is on a upward trend and is expected to increase fivefold to 20.0 per cent in the medium term.

1.10.3 FEW FACTORS THAT BOOST ONLINE SHOPPING IN INDIA

Rapid growth of cybercafs across India Access to Information The increase in number of computer users Reach to net services through broadband Middle-class population with spending power is growing. There are about 200million of middle-class population good spending powers. These people have very little time to spend for shopping. Many of them have started to depend on internet to satisfy their shopping desires

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1.10.4 CHANGING ATTITUDE TOWARDS ONLINE SHOPPING: Awareness, Future Demand Focus for Emerging Markets & Current Issues Malls springing up everywhere and yet people are E-shopping and not in small numbers either. Consumers are more rational nowadays and have ability to get the choices from the market. Awareness among the consumers is spread through internet. The number of internet users is increasing day by day which attracts people who have an option to buy online. It was never thought that Indians would go in for e-shopping in such a big way. Ticketing, travel bookings and even books and movies seem fine to buy online. Knowing that in India sizes vary from brand to brand and quality is inconsistent, even of some electronic items, how is it that there are people buying these items online? In India there are some segments of people who have not yet tried purchasing over internet.

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CHAPTER-2 REVIEW OF LITERATURE

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REVIEW OF LITERATURE

Petrovic Dejan (2006) in his study on Analysis of consumer behavior online explained that the most relevant behavioral characteristics of online consumers and examine the ways they find, compare and evaluate product information. Comparison of the newly collected survey data with the existing consumer behavior theory resulted in detection of a number of issues related to a specific consumer group. The purpose of this report is to translate these findings into a set of implementation activities on strategic and technological level. Execution of these recommendations will result in better conversion of visitors into customers and encourage customer loyalty and referrals. The focus group of this study will be young adults aged between eighteen and thirty-four interested in buying a mobile phone or a related product.

Shun &Yunjie (2006) in their study showed that there are product types, which are more likely to be sold online such as software, books, electronics and music. Reason for this is that when purchasing these types of products, one does not require personal inspection and most, if not all features, can be outlined in the product description and images. Most products in the mobile phone family belong to this category. According to the recent research on consumer behavior on the Internet users (Cotte, Chowdhury,Ratenshwar& Ricci, 2006), There are four distinct consumer groups with different intentions and motivations: Exploration Entertainment Shopping Information Daily updated collection of music videos and lyrics. Majority of young adults interviewed for purpose of this research tend to be active information seekers. A high level of technological confidence within this group tends to be an encouraging factor when it comes to product information research online. The following analysis presents both, focus group results and behavioral theory in a parallel fashion divided into two main research topics:

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INFORMATION RETRIEVAL AND SEARCH PATTERNS: Perception of Product Information Online These two areas is mutually dependent and particularly important in a market where consumers have the power to choose the right product from a number of competing suppliers. Well-structured product information that cannot be found easily online is as much of a problem as is having easily accessible information that does not meet the consumer's expectations product from a number of competing suppliers. Well-structured product information that cannot be found easily online is as much of a problem as is having easily accessible information that does not meet the consumer's expectations

Anders Hasslinger; Selma Hodzic; Claudio Opazo (2008-02-01) in their study they showed that developed into a new distribution channel and online transactions are rapidly increasing. This has created a need to understand how the consumer perceives online purchases. The purpose of this dissertation was to examine if there are any particular factors that influence the online consumer. Primary data was collected through a survey that was conducted on students at the University of Kristianstad. Price, Trust and Convenience were identified as important

factors. Price was considered to be the most important factor for a majority of the students. Furthermore, three segments were identified, High Spenders, Price Easers and Bargain Seekers. Through these segments we found a variation of the different factors importance and established implications for online book stores.

Bikramjit Rishi (2 0 1 0 ) in their study on Online shopping is an innovative option of distribution available in the hands of marketers. It is innovative and creative because marketers can experiment with it in form, content, visibility and availability. In India online shopping is considered as a relevant alternative channel for retailing and it is now an important part of the retail experience. This research study is an empirical study to find out the motivators and decisional influencers of online shopping. The sample has been selected from the youth population as this group of people actually use internet to buy online. The study highlights that reliability; accessibility and convenience are the major motivator factors which motivate the Indian consumer to buy online. Similarly, reluctance and preference are the two decisional factors which influence the decision.

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Ruiliang Yan,John Wang(2009) in their research it provides a useful framework to help business marketers identify the effect of consumer online purchase costs on firm performances in online and traditional channel competition. A game theory model is developed to determine the optimal strategies for online and traditional retailers. We demonstrate that consumer online purchase costs always have a valuable impact on firm profits, and further show that consumer online purchase costs always have a much more valuable impact on firm profits whenever the traditional retail transaction costs and the product web-fit change. We also find that consumer online purchase costs have a greater impact on the retailer's profits in a Stackel berg competitive system than in a Bertrand competitive system. Based on our results, managerial implications are discussed and probable paths of future research are identified.

Scott M. Smith, Chad R. Allred, William R. Swinyard(2008) in their research paper they discusses online shopping in context of diffusion of innovation theory. It proposes that online shopping is a discontinuous innovation whose adoption rate is influenced by several of Rogers' (2004) diffusion deterrents. A new 12-item'Computer Competence Index' (CCI) is proposed and tested using data from an internet-administered US probability study of 1800 online users. E-Shoppers are profiled using ate tile split of the CCI. Each tertile's demographics, computer activities, computer-oriented lifestyles, and online purchase activities are reported. Evidence is presented that concepts related to the diffusion of innovation may explain resistance in the growth of online shopping

A.M. Sakkthivel (2009) in their research paper aims to identify the impact of demographics on consumer buying behavior towards online purchase of different products based on the involvement and investment (High, Medium and Low). It attempts to unearth the impact of the demographics on online purchase which is at present relatively limited. It would help the marketers to identify the demographic profile of consumers which is otherwise not known due to the intangible nature of internet. The findings would help the marketers to design their offerings based on the demographic profile of online consumers and would help the online marketers to identify and segment the online consumers which will enhance their focus and eventually leads to financial growth.

David

A n d e r s o n ( 2 0 0 6 ) in their research carried out by a consumer

behavior researcher at Henley Management College has investigated what drives people to
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search online. The findings reveal that convenience, time-efficiency and personal control are the key drivers for consumers to search online, rather than cost. It also shows that the relationship between traditional and online retailing outlets needs to be more unified Eshopping has changed the face of retail, and surfers are now looking for spring sale bargains. This is following a bumper e-Christmas, where Internet shopping soared almost 50% during the 10-week run-up to Christmas 2005 (IMRG). However, the new findings reveal that convenience and personal control are the key drivers for consumers to search online. Dr Susan Rose, from Henley Management College, said: What motivates online shoppers is the ability to shop, where, when and how they like. Nowadays people can shop over their Shred dies in the morning. The research, that analyses data from 304 electrical goods Internet shoppers, provides businesses with a guide to getting the information highway buzzing with potential customers. Big-ticket items such as digital TVs, cameras, or iPods now feature on our e-shopping list. The Internet provides a rich source of information about brands and retail channels that enable us to search and find information to help us with our final purchase decision. For businesses there are some steps to help them embrace the Internet revolution with success. A key factor driving Internet use for online window shopping is its usefulness in our personal lives. The Internet frees time and makes the information search process, Research suggests that people search online for some goods, yet buy from a traditional high street retailer, or look around for goods in shops, then take their search online. In turn, it is essential for retailers who operate both on and off line to ensure that they embrace a joined up process that appears seamless to the customer. Some retailers have still to successfully unite the two retailing methods - this is key to contemporary customer service. Factors such as how much the medium challenges us mentally and our confidence to navigate and understand the technology can turn us on or off the idea of browsing online for products. A clear divide is appearing between the occasional online shopper and the regular experienced user. Concerns about how easy the system is to use have almost disappeared for online shopping enthusiasts, but for occasional users etailing sites need to be easy to navigate. Websites must be accessible and operate efficiently. The research found that the expectation of getting a good financial deal is still a strong motivator to seek out products online, but this is secondary to the importance but, many people steer clear of electronic buying because of security worries. Only once online retailers can reassure customers about fraud and privacy, will the online shopping curve really take off. Worries about the risk involved, in terms of financial transaction and privacy remain. A move from big brands to bargains may only take place once.
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Rajeev Kamineni (JAN 1999) in their study The World Wide Web can change human behavior and human interactions to a very large extent. Web based shopping behavior is one major example to point out the trends in this direction. This study is of a very exploratory nature and it intends to establish the differences between several web-based shoppers from different parts of the world. Several critical factors associated with online shopping behavior will be explored. A cross cultural data set will be collected and an illustrative description of the shoppers will be provided. As a final step the cross-cultural differences between several shoppers will be explored. One question which will run as a theme throughout the course of this paper is, Will the traditional consumer behaviour theory and research be altered by the advent of web based shopping?

There is a huge difference between a physical store and its electronic counterpart. A help button on the home page of the web- shopping site replaces the sales clerks friendly advice and service. The familiar layout of the physical store becomes a maze of pull down menus, product indices and search features. Now more than ever, the promise of electronic commerce and online shopping will depend to a great extent upon the interface and how people interact with the computer. At the same time, there are some inherent difficulties in maintaining an online inventory. In a regular store, the managers can pull out a product from the shelf if they feel that it is not fast moving or has no demand. This is a privilege that cannot be extended to the online retail store.

Anita desai (2003) in her study E-tailing is the practice of selling retail goods on the internet. It is the abbreviated version of electronic retailing which essentially constitutes business to consumer transaction. While the concept of online retailing or e-tailing is no longer in its nascent stage; it continues to evolve, as advanced e-commerce applications act as a potent catalyst in the development of e-tailing. The idea of online retailing or e-tailing which almost every net-savvy individual is familiar with; offers a convenient mode of shopping online and the consumer gets to choose from a diverse range of products and services as opposed to the analogous physical shopping experience. Furthermore, online retailers or e-trailers get to expose and sell their products to a global audience through their e-stores. (Also termed as online stores, internet shops, web shops etc.)The E-commerce industry plays a vital role in its growth and development. The consumer or buyer is usually provided with detailed information and description of the product which helps them make a judicious choice before making an online purchase. For consumers who face a paucity of time or want a diverse
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range of products to choose from, e-tailing proves to be an ideal option. Every e-trailer wants his/her share of domain amidst the vast World Wide Web galaxy. Due to the intense competitor quotient involved, every e-tailer out there wants to offer their customer/buyer a smooth and pleasant shopping experience. Therefore, e-tailing is just not restricted to putting up products for sale for consumers to buy. As consumers today are well-informed, it is understood that they would make a well informed decision as well. This involves a fair amount of product research, price comparison and checking the credibility of the e-store

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CHAPTER-3 NEED, OBJECTIVES, SCOPE & METHODOLOGY

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3.1 NEED

The need of this research is to identify and get insight into what main factors the online consumer takes into consideration when most he buy products on internet what affects their shopping behavior, basic need of this research is to find out what are the main factors affect the online consumer when considering and making a purchase over Internet.

3.2 OBJECTIVE OF THE STUDY To study the online shopping behavior of customers To study the factors influencing online shoppers and consumers To study the customers level of satisfaction with regard to online shopping To examine whether customers prefer online shopping than physical stores.

3.3 SCOPE OF THE STUDY

At any given time there are millions of people online and each of them is a potential customer for a company providing online sales. Due to the rapid development of the technologies surrounding the Internet, a company that is interested in selling products from its web site will constantly has to search for an edge in the fierce competition. Since there are so many potential consumers, it is of the out most importance to be able to understand what the consumer wants and needs. The importance of analyzing and identifying factors that influence the consumer when he or she decides to purchase on the Internet is vital. Since the Internet is a new medium for there have been new demands set by the consumer. That is why it is crucial for the online retailers to know what influences the online consumer. Analyzing consumer behavior is not a new phenomenon. The renowned marketing expert Philip Kotler has published several works on the topic of consumer behavior theories. These theories have been used for many years not only to understand the consumer, but also create a marketing strategy that will attract the consumer efficiently Hence, understanding and identifying the consumer is closely related to the directions a company will take with their marketing strategy. These theories can also be applied to identify the online consumer and to create certain consumer segments. However, some distinctions must still be made when considering traditional consumer behavior and online consumer behavior. Since online retailing is a new retailing medium and online consumer behavior is diverse from traditional consumer
29

behavior, one must identify what influences the online consumer. Analyzing the process that the online consumer goes through when deciding and making a purchase over the Internet, shows some factors that consumers consider these factors need to be identified and taken into account by online retailers in order to satisfy consumer demands and compete in the online market.

3.4 RESEARCH METHODOLOGY

Data for this study was collected by means of a Survey conducted in Ahmedabad . The sample size was 100. .The Questionnaire (shown in Annexure) was used mainly to test the model proposed for Attitude towards online shopping. The type of research was both exploratory as well as Descriptive. Likert five point scales ranging from Strongly Agree to strongly disagree was used as a basis of Questions. We took around eleven different factors by studying the existing models of consumer attitudes that play an important role in online purchase, and then proposed a model leading to online shopping. This model was then tested in our research by the mode of factor analysis in SPSS. Research Strategy

When collecting data to approach the purpose of a research there are two ways in which the data can be collected. In order to acquire a General knowledge about the topic, secondary data is primarily used and is one of the ways by which data can be collected. The second way to collect data is the primary data collection. Usually when a study is conducted, secondary data is not sufficient enough and needs to be completed with primary data which is collected by the research.

3.5 DESCRIPTIVE RESEARCH METHOD

We will conduct our research in order to collect primary data and reach the objective of the Dissertation. We will also be discussing which different types of Methodologies that were u sed. Since our research is of descriptive character our primary intention was to collect secondary data and analyze it. By doing so we found the factors Price, Trust and Convenience. We then collected primary data through a survey. The main purpose of the survey was to collect data about Online Consumer Behavior and the significance of the established factors, Price, Trust, and Convenience In order to be able to find and establish
30

Online Consumer Segments, Consumer Traits and Online Behavior had to be identified. The segments were used in order to further identify what impact the factors Price, Trust, and Convenience have on Online Consumer Segments.

3.6 SAMPLE DESIGN

The factors that we intended to examine can be applied to and investigated at any population that uses the Internet and buys online products Online. Since there are time and resource res traints, a specific Population had to be identified in order to generalize and create relevant segments. We decided that the sample size should contain over 100 respondents and we collected answers from100 respondents. The populations for this research are people of ahmedabad S.G highway area and this sample is chosen on convenience basis. Convenience sampling involves using samples that are the easiest to Obtain and is continued until the sampling size that is need is reached.

We will attempt to collect as many respondents as possible but since we will be studying only people of ahmedabad we assume that there will be little variation in the population making it more approved to generalize the response rates. The sampling method for ahmedabad took also place on a Convenience basis since the people that agree to answer the questionnaire are those that were chosen Type of Research: Descriptive Research, Sample Size: 100

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CHAPTER 4 ANALYSIS

32

Q.1) Age of the respondents

Age

No. Respondents

of

15-20 20-25 25-30 above 30

31% 48% 14% 7%

Age
15-20 20-25 7% 14% 31% 48% 25-30 above 30

Fig 4.1 Age of respondents

INTERPRETATION The above diagram shows us the percentage in the age of respondents. As it shows that from age 15-20 the number of respondents are31 % and from age of 20-25 it is 48 % and from 2530 it is 14% and above 30 ages is 7% so from this it is clear that e commerce is more used by younger people.

Q.2) To know the gender of the respondents

Gender

No. Respondents

of

Male Female

76% 24%
33

Gender
76% 24%

Male

Female

Fig 4.2 Gender of the respondents

INTERPRETATION The above diagram shows us the percentage of respondents gender. As it shows that from that the 76% respondents were male and 24% were female. Q.3) Occupation of the respondents

Occupation Student Professionals Govt. employee Self employed Others

No. of Respondents 82% 10% 0 4% 4%

Occupation
Student Self employed 0% Professionals Others 10% 4% 4% Govt. employee

82%

Fig-4.3 Occupation of the respondents


34

INTERPRETATION The above diagram shows us the percentage in the age of respondents. As it shows that from e commerce is more used by students and the professionals.

Q.4) what is your monthly income?

Monthly Income 10000-20000 20000-30000 30000-40000 Above 40000

No. of Respondents 8% 43% 23% 26%

Monthly Income
10000-20000 20000-30000 30000-40000 8% 26% 23% 43% Above 40000

Fig-4.4 Monthly Income of the respondents

Q.5) Do you use the Internet regularly for buying product online?

Yes No

57 43

35

Do you use internet regularly for buying product onlinr?


57 43

Yes

No

Fig-4.5 Regular internet user for online buying INTERPRETATION The above diagram shows us the percentage in the regular uses internet for purchasing the product. As it shows that more than 50% people use internet for product purchase.

Q.6) On an average, how much time (per week) do you spend while surfing the Net?

Hours 0-2 hours 2-6 hours 6-10 hours 10-15 hours Greater than 15 hours

No. of Respondents 52 18 13 14 3

a 0-2 hours c 6-10 hours e Greater than 15 hours 14% 13% 18% 3%

b 2-6 hours d 10-15 hours

52%

Fig-4.6 average hours spend on internet

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INTERPRETATION The above diagram shows us the percentage of average hours spend on the internet. As it shows that majority people spend time on internet is 0-2 hours 52% and then 18% 2-6 hours is the highest hours that people spend on the internet. Q.7) Do you own a credit card or use internet banking?

a b

Yes No

58 42

Do you own a credit card?


58 42

Yes

No

Fig-4.7 Respondents owns a credit card or uses the net banking INTERPRETATION The above diagram shows us the 58% people owns credit card or uses the net banking and 42% people dont use credit card or net banking.

Q.8) Do you buy on the internet?

A b

Yes No

62 38

37

62

38

Yes

No

Fig-4.8 Respondents buy product on internet

INTERPRETATION The above diagram shows us the 62% people buy product online and 38% dont buy the product online. Q.9) I am/would be comfortable buying the following categories of products online:

No. Respondents Electronics and 100

of Percentage

22.88%

home appliances Mobiles Books Tickets Apparels cosmetics Total 437 100% 100 100 69 and 68 22.88% 22.88% 15.78% 15.56%

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Electronics and home appliances Books Apparels and cosmetics

Mobiles Tickets

15% 16%

23% 23%

23%

Fig-4.9 Respondents purchasing products online INTERPRETATION The above diagram shows us the people mostly purchase mobiles, books and electronics products online.

Q.10) How frequently do you purchase products/services online?

once a month 2-3 times a months Once in 3 months Once in 6 months

21% 4% 55% 20%

once a month Once in 3 months

2-3 times a months Once in 6 months

20%

21% 4%

55%

Fig-4.10 Frequency of purchase online

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INTERPRETATION The above diagram shows us the mostly people purchase once in three months and six months its shows that the frequency of purchase not that good.

Q.11) what is the average amount that you spend per purchase while shopping online?

< Rs 500 Rs 500-1000 Rs 1000-Rs2000 Rs 2000-Rs 5000 > Rs 5000

9% 15% 38% 14% 24%

< Rs 500 Rs 2000-Rs 5000

Rs 500-1000 > Rs 5000

Rs 1000-Rs 2000

24% 14%

9% 15% 38%

Fig-4.11 Amount spent on purchasing online

INTERPRETATION The above diagram shows us 38% spend RS 1000-2000 and 24% people spend Rs above 5000 that shows people do spend money on online purchase.

Q.12) Which of the following web sites do you shop at?

Flipkart Myntra Jabong

54% 8% 6%
40

Snapdeal Amazon

23% 9%

Which of the following online store you have visited?


Flipkart Myntra Jabong 9% 23% 54% 6% 8% Snapdeal Amazon

Fig-4.12 Preferred online portal INTERPRETATION The above diagram shows us that people prefer flipkart more than other portal mention in the chart.

Q.13) Do you think online shopping is better than the physical shopping?

Yes No Can't say

50% 38% 12%

Yes

No

Can't say

12% 50% 38%

Fig-4.13 Is online shopping better than physical shopping

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INTERPRETATION The above diagram shows us that 50% people says online shopping is better than the physical shopping and 38% people say that physical shopping is still better than the online shopping. Q.15)How do you make your payments on online shopping?

COD Credit\Debit card PayPal Bank transfer

66% 13% 12% 9%

COD

Credit\Debit card

Paypal

Bank transfer

9% 12% 13% 66%

Fig-4.14 Payment gateway

INTERPRETATION The above diagram shows 66% people uses the cash on delivery for the payment option on the internet and 13% people use the credit or debit card for the payment purpose.

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Q.16 Recall your earlier online buying/shopping experience and please indicate you degree of agreement with the following statements:

Strongly Agree I prefer making a purchase from internet over using local malls or stores I can get the latest information from the Internet regarding different products/services that is not available in the market. I have sufficient internet accessibility to shop online. Online shopping is more convenient than in-store shopping. Online shopping saves time over instore shopping. Online shopping allows me to shop anywhere and at anytime. It is safe to use a credit card while shopping on the Internet. Online shopping provides me with the opportunity to get the products delivered on specific date and time anywhere as required. Products purchased through the Internet are with guaranteed quality. Internet provides regular discounts and promotional offers to me. Internet helps me avoid hassles of shopping in stores. Cash on Delivery is a better way to pay 69 while shopping on the Internet. 23 61 26 41 9 32 37 17 62 46 21

Agree Neutral Disagree Strongly Disagree 30 10 12 27

22

32

21

10

14

26

33

10

31

28

21

24

15

22

10

26

33

27

21

15

34

13

12

22

17

31

24

10

12

21

43

Sometimes, I can find products online which I may not find in-stores. I have faced problems while shopping online. I continue shopping online despite facing problems on some occasions. It is important for me to touch and feel certain products before I purchase them. So I check in stores but buy them online. I trust the delivery process of the shopping websites. I do not shop online only because I do not own a credit card and COD is not available

33

24

17

15

21

26

21

24

20

23

11

13

34

19

54

23

24

12

24

29

21

14

41

23

14

20

16.1 I prefer making a purchase from internet over using local malls or stores

35 30 25 20 15 10 5 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above table we can say that people prefer online purchase mare than the purchasing from a local malls.

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16.2 I can get the latest information from the Internet regarding different products/services that is not available in the market.

50 45 40 35 30 25 20 15 10 5 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above bar we can say that people are more agree on that they can find the product information which is not available in the market.

16.3 I have sufficient internet accessibility to shop online.

70 60 50 40 30 20 10 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above bar graph we can say that more people have sufficient internet accessibility to shop online.

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16.4 Online shopping is more convenient than in-store shopping.


35 30 25 20 15 10 5 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above bar graph we can say that mare people are still think that in shop store is more convenient.

16.5 Online shopping saves time over in-store shopping.

40 30 20 10 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above diagram we can say that people shop online because they can save time over shopping in the store.

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16.6 Online shopping allows me to shop anywhere and at anytime.

35 30 25 20 15 10 5 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above diagram we can say that online shopping provides flexibility to shop anywhere and at any time so that people are using online shopping portals.

16.7 It is safe to use a credit card while shopping on the Internet.

40 30 20 10 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above figure we can say that most people not feel secure using their credit card on online purchase.

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16.8 Online shopping provides me with the opportunity to get the products delivered on specific date and time anywhere as required.

45 40 35 30 25 20 15 10 5 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above figure we can say that most people think that online shopping give them opportunity to get delivery on specific date and time.

16.9 Products purchased through the Internet are with guaranteed quality.

40 35 30 25 20 15 10 5 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From the above figure we can say that most of people fall in neutral option means they are not sure about it.

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16.10 Internet provides regular discounts and promotional offers to me.

70 60 50 40 30 20 10 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above figure we can say that people purchase online because online portals provide them regular discounts and some offers.

16.11 Internet helps me avoid hassles of shopping in stores.

35 30 25 20 15 10 5 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above figure we can say that most of people purchase online to avoid hassle to the shopping store.

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16.12 Cash on Delivery is a better way to pay while shopping on the Internet.

80 60 40 20 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From the above figure we can say that for paying while internet shopping the cash on delivery is the better way of the payment.

16.13 Sometimes, I can find products online which I may not find in-stores.

35 30 25 20 15 10 5 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From the above figure we can say that most of people agree that they shop online because sometime they dont find the product in stores.

50

16.14 I have faced problems while shopping online.

30 25 20 15 10 5 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION

From the above figure it is clear that most of people have some problem on purchasing online.

16.15 I continue shopping online despite facing problems on some occasions.

40 30 20 10 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above figure we can say that after having problem on purchasing online most of people have not continued to shop online.

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16.16 It is important for me to touch and feel certain products before I purchase them. So I check in stores but buy them online.

60 50 40 30 20 10 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above figure we can say that they first go in store to check the product and but they buy online.

16.17 I trust the delivery process of the shopping websites

35 30 25 20 15 10 5 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above figure we can say that people are not sure about the delivery process as the most of respondents selected the option neutral and disagree.

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16.18 I do not shop online only because I do not own a credit card and COD is not available.

50 40 30 20 10 0 Strongly agree Agree Neutral Disagree Strongly disagree

INTERPRETATION From above figure we can say that people are not shopping online because the portals do not have the cod option. We can say that people purchase the product because of some promotional schemes and offers given by the and also most of the user uses the COD for payment option and they find variety of the product inline but they are still not sure about the delivery and the quality of the product.

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CHAPTER-5 SUMMARY, CONCLUSION

54

SUMMARY The three segments that were found show a significant difference in the primary factor of concern. The general distribution showed that the factor price was the primary factor for the entire population sample, and that second factor was trust was closely followed by convenience. When we segmenting the respondents through the different variables we found that segment one were mainly trust oriented and the respondents had a high positive attitude towards purchasing books online. Other segment was mainly price and convenience oriented therefore took the most consideration to the opinions and experiences of the Reference groups. As they low disposable income and were somewhat convenience oriented when acquiring information about low prices, we chose to label them price easers. We found that most of the time youngster who are from the age of 20-25 shops a lot on the net rather than other age limits. People used to do online shopping because of its convenience rather than its pricing, But the main thing which is very common in the most of the people about online shopping is its risk of privacy i.e. hacking of account number getting passwords and all.

CONCLUSION

Increased Internet penetration, a hassle free shopping environment and high levels of netsaviness see more and more Indians shopping online. But at the same time the companies need to reduce the risks related to consumer incompetence by tactics such as making purchase websites easier to navigate, and introducing Internet kiosk, computers and other aids in stores. The goal is not to convert all shoppers to online purchasing, but to show them its an option. In addition to above, efforts need to be taken to educate the online buyers on the steps that need to be undertaken while making an online purchase. Moreover, the feedback of an online buyer should be captured to identify flaws in service delivery. This can be done through online communities and blogs that serve as advertising and marketing tools and a source of feedback for enterprises. I found that it is a challenge for E-marketers to convert low frequency online buyers into regular buyers through successful website design and by addressing concerns about reliable performance. Thus, the online retailing raises more issues than the benefits it currently offers. The quality of products offered online and procedures for service delivery are yet to be standardized. Till the same is done, the buyer is at a higher risk of frauds.

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Bibliography

http://www.articlesnatch.com/Article/E-commerce-In-Global-SourcingScenario/218150 (last accessed on 20th march , 2012) http://usa.usembassy.de/economy-ecommerce.htm (last accessed on 20th march , 2012) http://archive.unctad.org/templates/webflyer.asp?docid=4253&intItemID=2261&lang =1 (last accessed on 20th march , 2012) http://en.wikibooks.org/wiki/ECommerce_and_EBusiness/ECommerce_in_Developin g_Countries (last accessed on 20th march ,2012) http://www.wipo.int/copyright/en/ecommerce/ip_survey/chap5.html (last accessed on 20th march , 2012) http://www.nytimes.com/2003/11/24/business/e-commerce-report-sensing-economicopportunities-many-developing-nations-are.html?pagewanted=all&src=pm accessed on 20th march, 2012) http://www.isoc.org/inet99/proceedings/1g/1g_2.htm (last accessed on 20th march, 2012) http://www.bestindiansites.com/top-companies/e-commerce/ (last accessed on 20th march, 201 (last

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Appendix

57

QUESTIONNAIRE

We would be thankful for your cooperation if you spare a few minutes to answer the following questions:

1. Do you use the Internet regularly? Yes No

2. On an average, how much time (per week) do you spend while surfing the Net? a) 0-2 hours b) 2-6 hours c) 6-10 hours d) 10-15 hours e) Greater than 15 hours 3. Do you own a credit card or use internet banking? Yes No 4. Do you buy on the internet? Yes No 5. I am/would be comfortable buying the following categories of products online: c) Electronic & Home appliances e) Books g) Apparels and cosmetics Any other product, please specify 6. How frequently do you purchase products/services online? a) Once a month b) 2-3 times a month c) Once in 3 months d) Once in 6 months Any other, please specify 7. What is the average amount that you spend per purchase while shopping online? a) < Rs 500 b) Rs 500-1000 c) Rs 1000-Rs 2000 d) Rs 2000-Rs 5000 e) > Rs 5000 d) Mobiles f) Tickets

8. Which of the following web sites do you shop at? 58

a) Flipkart b) Myntra c) Jabong d)snapdeal e)Amazon Any other, please specify

9. Do you think online shopping is better than the physical shopping?


Yes No

10 . Recall your earlier online buying/shopping experience and please indicate you degree of agreement with the following statements: Strongly Agree I prefer making a purchase from internet over using local malls or stores I can get the latest information from the Internet regarding different products/services that is not available in the market. I have sufficient internet accessibility to shop online. Online shopping is more convenient than in-store shopping. Online shopping saves time over in-store shopping. Online shopping allows me to shop anywhere and at anytime. It is safe to use a credit card while shopping on the Internet. Online shopping provides me with the opportunity to get the products delivered on specific date and time anywhere as required. Products purchased through the Internet are with guaranteed quality. Internet provides regular discounts and promotional offers to me. Internet helps me avoid hassles of shopping in stores. Cash on Delivery is a better way to pay while shopping on the Internet. Sometimes, I can find products online 59 Agree Neutral Disagree Strongly Disagree

which I may not find in-stores. I have faced problems while shopping online. I continue shopping online despite facing problems on some occasions. It is important for me to touch and feel certain products before I purchase them. So I check in stores but buy them online. I trust the delivery process of the shopping websites. I do not shop online only because I do not own a credit card and COD is not available

Name: Monthly Income:

Gender: Education:

Occupation: Marital Status:

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