“…Factorial analysis includes taking a case or a survey of cases, which often ponders on classifying the issues that obstructs the achievement of e-inclusion (e.g. Andreasson, 2015;Beacham & McIntosh, 2014;Guldberg, et al, 2013;Michailidou et al, 2012;Niehaves et al, 2010;Ruohonen et al, 2013;Vitolina & Kapenieks, 2013;Whitney et al, 2011;Yim et al, 2015).…”