“…, 2009), social influence (Mainardes et al. , 2020), brand image (Laukkanen, 2016), computer literacy (Swinyard & Smith, 2003) and area of residence (Nery-da-Silva, Barbosa, & Figueiredo, in press; Zhu & Chen, 2013) are examples of restrictions that lead people to avoid shopping online or adopt some technologies. Thus, the variables H3_E1, G1 and I1 were grouped to form the indicator “operational difficulty,” which consisted of the sum of the variables (range: 0–3).…”