“…For example, Daroch, Nagrath and Gupta (2020) noted that among the factors constraining consumers to shop online included fear of bank transactions, insecurities, services, experiences and trust. Similarly, in Africa, various studies (Moeti, Mokwena & Malebana, 2021;Mofokeng, 2021;Oloveze et al, 2022) have mentioned attributes that restrain consumers from shopping online. In Nigeria, Oloveze et al (2022) found that online shopping by consumers was directly affected by attitude, perceived usefulness and social influences.…”