@incollection{,
	
					
					
					14AA9A2FD1CFDABF1812CB330D849847
				,
	author={{SugarmaaPurevkhuu} and {JavkhlanMunkhbold}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2152443
}

@incollection{b0,
	
	
		,
	title={{2021) E-commerce adoption in ASEAN: who and where?}}
		,
	author={{
			HAbu
		} and {
			Ayob
		}}
		
	
	
		,
	journal={{Future business journal}}
		
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}

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		,
	title={{Does consumers' demographic profile influence online shopping? : An examination using Fishbein's theory}}
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	author={{
			AfizahHashim
		} and {
			KErlane
		} and {
			JamaliahGhani
		} and {
			Said
		}}
		
		
		
	
	
		,
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			6
			,
	year={2009}
		
	

}

@incollection{b2,
	
	
		,
	title={{Composite-Model for E-Commerce Diffusion: Integrating Cultural and Socio-Economic Dimensions to the Dynamics of Diffusion}}
		,
	author={{
			AlexanderYYap
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			JayotiDas
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			14
			
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}

@incollection{b3,
	
	
		,
	title={{User acceptance of ecommerce technology: a meta-analytic comparison of competing models}}
		,
	author={{
			AliYayla
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			QingHu
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	booktitle={{European conference on information systems}}
				
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	year={2007}
		
	

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	title={{Behavioral influences on ecommerce adoption in a developing country context. Electronic Journal of Information Systems in Developing Countries}}
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	author={{
			AliceShemi
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		,
	title={{Eshopping lovers and fearful conservatives: a market segmentation analysis}}
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	author={{
			CRAllred
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			SMSmit
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			WRSwinyard
		}}
		
		
	
	
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			34
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	year={2006}
		
	

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		,
	title={{Gender differences in e-commerce}}
		,
	author={{
			AndrejSzymkowiak
		} and {
			UrszulaGarczarek-Bak
		}}
		
	
	
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			4
			375
			
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	year={2018. 2018}
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	publisher={tom II}
		
	

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	author={{
			AsliDemirguc-Kunt
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			LeoraKlapper
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			DorotheSinger
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	author={{
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	author={{
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	title={{How online and offline behavior processes affect each other: Customer behavior in a cyber-enhanced bookstore}}
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	author={{
			JCho
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	title={{An exploratory study of the extent of information technology adoption in SMEs: an application of upper echelon theory}}
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	author={{
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		,
	title={{Using the technology acceptance model to explain how attitudes determine internet usage}}
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	title={{) the elderly's uses and attitudes towards the Internet}}
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	title={{National culture and global diffusion of business to consumer e-commerce}}
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	journal={{Information Society and Justice}}
		
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	address={India}
		
	
	,
	note={E-commerce payment trends report}

}

@incollection{b67,
	
	
		,
	title={{the Roles of Demographics on the Perceptions of Electronic Commerce Adoption}}
		,
	author={{
			Jung WanLee
		}}
	
	
		,
	journal={{Academy of Marketing Studies Journal}}
		
			14
			1
			
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	year={2010}
		
	

}

@incollection{b68,
	
	
		,
	title={{Comparative Analysis of Financial Inclusion in Developing Regions Around the World}}
		,
	author={{
			MeldinaJukan
		} and {
			;Kokorovic
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			AmraSoftic
		}}
		
		
	
	
		,
	journal={{Economic Review: Journal of Economics and Business}}
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			14
			
			,
	year={2016}
		
		
			University of Tuzla, Faculty of Economics
		
	

}

@incollection{b69,
	
	
		,
	title={{Dimensions of Business-To-Consumer (B2C) systems success in Kuwait: Testing a modified DeLone and McLean is a success model in an ecommerce context}}
		,
	author={{
			KamelRouibah
		} and {
			PaulBenjaminLowry
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		,
	journal={{Journal of Global Information Management}}
		
			,
	year={2015}
		
	

}

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		,
	title={{}}
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	author={{
			Kapcova Anastaisya Sergeevna
		}}
		
		
			,
	year={2018}
		
	

}

@incollection{b71,
	
	
		,
	title={{the Growth and Development of E-Commerce: an Analysis of the Electronic Signature Law of Sri Lanka}}
		,
	author={{
			KanchanaKariyawasam
		}}
	
	
		,
	journal={{Information & Communications Technology Law}}
		
			17
			1
			
			,
	year={2008}
		
	

}

@incollection{b72,
	
	
		,
	title={{Cultural influences on the adoption of electronic commerce: initial results from Japan and the United States}}
		,
	author={{
			MKathryn
		} and {
			Kimery
		}}
		
	
	
		,
	journal={{International Business & Economics Research Journal}}
		
			,
	year={2011}
		
	

}

@incollection{b73,
	
	
		,
	title={{Online retailer reputation and consumer response: Examining cross-cultural differences}}
		,
	author={{
			JKim
		} and {
			YangK
		} and {
			KimBy
		}}
		
		
	
	
		,
	journal={{International Journal of Retail & Distribution Management}}
		
			41
			9
			
			,
	year={2013}
		
	

}

@incollection{b74,
	
	
		,
	title={{Legitimacy building and e-commerce platform development in China: the experience of Alibaba}}
		,
	author={{
			JKwak
		} and {
			YZhang
		} and {
			JYu
		}}
		
		
	
	
		,
	journal={{Technol Forecast Soc Change}}
		
			139
			
			,
	year={2019}
		
	

}

@incollection{b75,
	
	
		,
	title={{Profiling internet shoppers in Hong Kong: Demographic, Psychographic, Attitudinal and Experimental Factors}}
		,
	author={{
			LeoSin
		} and {
			AlanTse
		}}
		
	
	
		,
	journal={{Journal of International Consumer Marketing}}
		
			15
			1
			,
	year={2001}
		
	

}

@book{b76,
	
	
		,
	title={{Premier of the State Council of the PRC (2020) 19th Meeting of the Council of Heads of Government of the Member States of the Shanghai Cooperation Organization}}
		,
	author={{
			LiKeqiang
		}}
		
	

}

@incollection{b77,
	
	
		,
	title={{The role of sunk costs in online consumer decision-making}}
		,
	author={{
			ARLiang
		} and {
			CLLee
		} and {
			WTung
		}}
		
		
	
	
		,
	journal={{Electronic Commerce Research and Applications}}
		
			13
			
			,
	year={2014}
		
	

}

@book{b78,
	
	
		,
	title={{A cross-cultural study of ecommerce-exploring factors that influence individuals to buy}}
		,
	author={{
			LigiaMBohn
		}}
		
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	year={2005}
		
		
			The University of Twente, the Netherlands
		
	
	,
	note={Master thesis}

}

@incollection{b79,
	
	
		,
	title={{Generation X vs. Generation Y-A decade of online shopping}}
		,
	author={{
			SLissitsa
		} and {
			OKol
		}}
		
	
	
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	journal={{Journal of Retail Consumer Service}}
		
			31
			
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	year={2016}
		
	

}

@incollection{b80,
	
	
		,
	title={{Electronic commerce: theory and practice}}
		,
	author={{
			MargaritaI?orait?
		} and {
			NeringaMiniotien?
		}}
		
	
	
		,
	journal={{Integrated Journal of Business and Economics}}
		
			2
			2
			
			,
	year={2018}
		
	

}

@incollection{b81,
	
	
		,
	title={{Experiential value: Conceptualization, measurement, and application in the catalog and Internet shopping environment}}
		,
	author={{
			CMathwick
		} and {
			NMalhotra
		} and {
			ERigdon
		}}
		
		
	
	
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	journal={{Journal of Retailing}}
		
			77
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	year={2001}
		
	

}

@incollection{b82,
	
	
		,
	title={{A profile of the Internet shoppers: Evidence from nine countries}}
		,
	author={{
			MeeLy
		} and {
			CTHuei
		}}
		
	
	
		,
	journal={{Telematics and Informatics}}
		
			32
			
			,
	year={2015}
		
	

}

@incollection{b83,
	
	
		,
	title={{B2C e-commerce web site quality: an empirical examination}}
		,
	author={{
			MeiCao
		} and {
			QingyuZhang
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			JohnSeydel
		}}
		
		
	
	
		,
	journal={{Industrial Management & Data Systems}}
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			,
	year={2005}
		
	

}

@incollection{b84,
	
	
		,
	title={{Understanding the non-metropolitan-metropolitan digital divide}}
		,
	author={{
			FMills
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			WhitacreBradford
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			EBrian
		}}
		
		
	
	
		,
	journal={{Growth change}}
		
			34
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			,
	year={2003}
		
	

}

@incollection{b85,
	
	
		,
	title={{Gender differences in German consumer decision-making styles}}
		,
	author={{
			VWMitchell
		} and {
			GWalsh
		}}
		
	
	
		,
	journal={{Journal of Consumer Behavior}}
		
			3
			4
			
			,
	year={2004}
		
	

}

@incollection{b86,
	
	
		,
	title={{An Introduction to Electronic Commerce}}
		,
	author={{
			YNanehkaran
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			A
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		,
	journal={{International journal of scientific & technology research}}
		
			4
			2
			
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	year={2013}
		
	

}

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		,
	title={{Education at a Glance}}
	
	
		,
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			,
	year={2019. 2019}
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	publisher={OECD indicators}
		
	

}

@incollection{b88,
	
	
		,
	title={{International Marketing Tool: The Internet}}
		,
	author={{
			FPalumbo
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			PHerbig
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}

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	title={{Generation Y in consumer and labor markets}}
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	author={{
			AParment
		}}
		
			,
	year={2011}
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	address={Routledge, Abingdon}
		
	
	,
	note={1st edition}

}

@incollection{b90,
	
	
		,
	title={{Generation Y vs. Baby Boomers: shopping behavior, buyer involvement and implications for retailing}}
		,
	author={{
			AParment
		}}
	
	
		,
	journal={{J Retail Consumer Service}}
		
			20
			2
			
			,
	year={2013}
		
	

}

@incollection{b91,
	
	
		,
	title={{To have or not to have the internet at home: implications for online shopping}}
		,
	author={{
			PerezHernandez
		} and {
			J
		} and {
			SanchezMangas
		} and {
			R
		}}
		
		
		
	
	
		,
	journal={{Information economy policy}}
		
			23
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			,
	year={2011}
		
	

}

@incollection{b92,
	
	
		,
	title={{A good deal online: The Impacts of acquisition and transaction value on e-satisfaction and e-loyalty}}
		,
	author={{
			AfaPontevia
		} and {
			N'goala
		} and {
			GPoncin
		} and {
			I
		}}
		
		
		
	
	
		,
	journal={{Journal of Retailing and Consumer Services}}
		
			20
			
			,
	year={2013}
		
	

}

@incollection{b93,
	
	
		,
	title={{Generation Z consumers' expectations of interactions in smart retailing: A future agenda}}
		,
	author={{
			Constantinos-Priporas
		} and {
			NikolaosVasilios
		} and {
			AnestisStylos
		} and {
			Fotiadis
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		,
	journal={{Computers in Human Behaviour}}
		
			77
			
			,
	year={2017}
		
	

}

@incollection{b94,
	
	
		,
	title={{Effect of consumer beliefs on online purchase behavior: The influence of demographic characteristics and consumption values}}
		,
	author={{
			GPunj
		}}
	
	
		,
	journal={{Journal of Interactive Marketing}}
		
			25
			
			,
	year={2011}
		
	

}

@book{b95,
	
	
		,
	title={{Income effects on the relative importance of two online purchase goals: saving time versus saving money?}}
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	author={{
			GPunj
		}}
		10.1016/j.jbusres.2011.03.003
		
			,
	year={2011}
			,
	publisher={Elsevier}
		
	

}

@incollection{b96,
	
	
		,
	title={{Differences in generation X and generation Y: Implications for the organization and marketers}}
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	author={{
			THReisenwitz
		} and {
			RIyer
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	journal={{Marketing Management Journal}}
		
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}

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		,
	title={{}}
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	author={{
			Researchandmarkets
		} and {
			Com
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	year={2019. 2019}
		
	
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	note={Kazakhstan B2C E-Commerce Market Report}

}

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		,
	title={{Alemayehu Molla (2008) E-commerce in the least Developing Countries: Summary Evidence and Implications}}
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	author={{
			RichardBoateng
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			RobertHinson
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			RichardHeeks
		}}
		
		
	
	
		,
	journal={{Journal of African Business}}
		
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}

@incollection{b99,
	
	
		,
	title={{) the role of Hofstede's individualism in national-level creativity}}
		,
	author={{
			TRinne
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			JFairweather
		}}
		
		
	
	
		,
	journal={{Creativity research journal}}
		
			25
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}

@incollection{b100,
	
	
		,
	title={{Electronic commerce adoption in the Arab countries-an empirical study}}
		,
	author={{
			Robert JeyakumarNathan
		}}
	
	
		,
	journal={{International Arab Journal of information technology}}
		
			1
			1
			,
	year={2009}
		
	

}

@book{b101,
	
	
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	title={{Electronic commerce: Definition, theory, and context. An international journal: the information society}}
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	author={{
			RolfTWigand
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}

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		,
	title={{Shopping for fun or shopping to buy: Is it different online and offline}}
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			MVisentin
		}}
		
		
	
	
		,
	journal={{Journal of Retailing and Consumer Services}}
		
			21
			
			,
	year={2014}
		
	

}

@book{b103,
	
	
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	title={{An integrative model of organizational trust: Past, present, and future}}
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	author={{
			FSchoorman
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			RMayer
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	year={2007}
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	publisher={Academy of management review}
			32
			
		
	

}

@incollection{b104,
	
	
		,
	title={{Drivers of trust in relational service exchange: Understanding the importance of cross-cultural differences}}
		,
	author={{
			JSchumann
		} and {
			FVon Wangenheim
		} and {
			AStringfellow
		} and {
			ZYang
		} and {
			SPraxmarer
		} and {
			FJimenez
		}}
		
		
		
		
		
	
	
		,
	journal={{Journal of service research}}
		
			13
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			,
	year={2010}
		
	

}

@incollection{b105,
	
	
		,
	title={{Perceived quality of online shopping; does gender make a difference?}}
		,
	author={{
			RSebastianelli
		} and {
			NTamimi
		} and {
			MRajan
		}}
		
		
	
	
		,
	journal={{J Internet Commerce}}
		
			7
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			,
	year={2008}
		
	

}

@incollection{b106,
	
	
		,
	title={{Organizational culture dimensions of the Kyrgyz industrial companies}}
		,
	author={{
			SeyilNajimudinova
		}}
	
	
		,
	journal={{Ç.Ü. Sosyal Bilimler Enstitüsü Dergisi, Cilt}}
		
			22
			
			,
	year={2013. Say?1, 2013}
		
	

}

@incollection{b107,
	
	
		,
	title={{Ecommerce and its impacts on global trends and market}}
		,
	author={{
			SShahriari
		} and {
			MShahriari
		} and {
			SGgheiji
		}}
		
		
	
	
		,
	journal={{International journal of research-Granthaalayah}}
		
			
			,
	year={2015}
		
	
	,
	note={3) 4}

}

@incollection{b108,
	
	
		,
	title={{External search effort: An investigation across several product categories}}
		,
	author={{
			SharonEBeatty
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	journal={{Journal of Consumer Research}}
		
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}

@incollection{b109,
	
	
		,
	title={{Influence of income on the shopping habits of consumers with respect to shopping malls in Kolkata city}}
	
	
		,
	journal={{International journal of advanced research and development}}
		,
	editor={Shouvik Sanyal, Mohammed Wamique Hisam}
		
			3
			,
	year={2018}
		
	
	,
	note={issue 1; page no.634-637}

}

@incollection{b110,
	
	
		,
	title={{A study of the factors affecting mobile money penetration rates in the West African Economic and Monetary Union (WAEMU) compared with East Africa}}
		,
	author={{
			CoulibalySionfou Seydou
		}}
	
	
		,
	journal={{Coulibaly Financial Innovation}}
		
			,
	year={2021}
		
	

}

@incollection{b111,
	
	
		,
	title={{Socioeconomic factors and their influence on the adoption of e-commerce by consumers in Singapore}}
		,
	author={{
			MYSiyal
		} and {
			BSChowdhry
		} and {
			AQRajput
		}}
		
		
	
	
		,
	journal={{International journal of information technology and decision making}}
		
			05
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			,
	year={2006}
		
	

}

@incollection{b112,
	
	
		,
	title={{Gender-Based Differences in Consumer E-Commerce Adoption}}
		,
	author={{
			CVSlyke
		} and {
			FBélanger
		} and {
			RDJohnson
		} and {
			RHightower
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		,
	journal={{Communications of the Association for Information Systems}}
		
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			,
	year={2010}
		
	

}

@incollection{b113,
	
	
		,
	title={{Cross-cultural examination of online shopping behavior: A comparison of Norway, Germany, and the United States}}
		,
	author={{
			RSmith
		} and {
			GDeitz
		} and {
			MBRoyne
		} and {
			JDHansen
		} and {
			MGru¨nhagen
		} and {
			CWitte
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		,
	journal={{Journal of Business Research}}
		
			66
			
			,
	year={2013}
		
	

}

@incollection{b114,
	
	
		,
	title={{Experience, comfort, and privacy concerns: Antecedents of online spending}}
		,
	author={{
			DFSpake
		} and {
			RZFinney
		} and {
			MJoseph
		}}
		
		
	
	
		,
	journal={{Journal of Research in Interactive Marketing}}
		
			5
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			,
	year={2011}
		
	

}

@incollection{b115,
	
	
		,
	title={{) the role of espoused national cultural values in technology acceptance}}
		,
	author={{
			MSrite
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		,
	journal={{MISQ}}
		
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			,
	year={2006}
		
	

}

@incollection{b116,
	
	
		,
	title={{International and cross-cultural influences on online shopping behavior}}
		,
	author={{
			TFStafford
		} and {
			ATuran
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			MSRaisinghani
		}}
		
		
	
	
		,
	journal={{J Glob Inf Technol Manag}}
		
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			,
	year={2004}
		
	

}

@incollection{b117,
	
	
		,
	title={{Challenges and the future direction of the Shanghai Cooperation Organization (SCO)}}
		,
	author={{
			StephenGrainger
		}}
	
	
		,
	booktitle={{12th EBES Conference}}
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	year={2018}
		
	

}

@incollection{b118,
	
	
		,
	title={{A comparison of B2C ecommerce in developing countries}}
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	author={{
			StephenHawk
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		,
	journal={{Electronic Commerce Research}}
		
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			3
			
			,
	year={2004}
		
	

}

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	title={{Testimony before the U.S.-China Economic and Security Review Commission Hearing on China's Strategic Aims in Africa}}
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	author={{
			StevenFeldstein
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			,
	year={2020}
		
	

}

@incollection{b120,
	
	
		,
	title={{Factors Influencing the Adoption of Internet Banking}}
		,
	author={{
			MTan
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			TS HTeo
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		,
	journal={{Journal of the Association for Information Systems}}
		
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			,
	year={2000}
		
	

}

@incollection{b121,
	
	
		,
	title={{Determinants of customers' online purchase intention: An empirical study in India}}
		,
	author={{
			AThamizhvanan
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			MJXavier
		}}
		
	
	
		,
	journal={{Journal of Indian Business Research}}
		
			5
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			,
	year={2013}
		
	

}

@book{b122,
	
	
		,
	title={{Selected issues in crossborder e-commerce development in Asia and the Pacific}}
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	author={{
			Un Escap Report
		}}
		
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	year={2019}
		
	

}

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	title={{UNCTAD (2020) Estimates of global e-commerce 2019 and preliminary assessment of COVID-19 impact on online retail}}
		
	

}

@book{b124,
	
	
		
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	title={{UNCTAD (2021) What is at stake for developing countries in trade negotiations on e-commerce? The case of the Joint Statement Initiative}}
				
			
		
	

}

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	author={{
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		,
	title={{Marketing across cultures}}
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	publisher={Pearson Education}
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	year={2005}
		
	
	,
	note={4th ed.}

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	author={{
			KarenVigil
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	title={{From digital divide to psycho-digital divide: elders and online social networks}}
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	author={{
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		}}
		
		
			,
	year={2014}
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	publisher={Comunicar}
		
	

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	title={{Predictors of computer use in community-dwelling}}
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	author={{
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			Jordan-Marsh
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			Clark
		}}
		
		
		
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	year={2011}
			
		
	
	,
	note={ethnically diverse older adults. SAGE Journals Volume: 53 issue: 5, page(s}

}

@incollection{b129,
	
	
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	title={{Marketing into the Generations}}
		,
	author={{
			KayleneWilliams
		} and {
			RobertPage
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@book{b130,
	
	
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	title={{Discussion note: Embedding Digital Finance in e-Commerce Platforms during the COVID-19 Pandemic}}
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	author={{
			WorldBank
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	year={2020}
		
	

}

@incollection{b131,
	
	
		,
	title={{2003) the relationship between consumer characteristics and attitude toward online shopping}}
		,
	author={{
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		}}
	
	
		,
	journal={{Mark Intel Plan}}
		
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@incollection{b132,
	
	
		,
	title={{How e-services capes affect customer online shopping intention: The moderating effects of gender and online purchasing experience}}
		,
	author={{
			WYWu
		} and {
			QuyenPRivas
		} and {
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		}}
		
		
	
	
		,
	journal={{Information Systems and E-Business Management}}
		
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			,
	year={2016}
		
	

}

@incollection{b133,
	
	
		,
	title={{Differentiating the effects of internet usage and wireless usage on B2B and B2C e-commerce}}
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	author={{
			XueFei
		} and {
			NancyDeng
		} and {
			JianZhang
		}}
		
		
	
	
		,
	journal={{Journal of internet commerce}}
		
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}

@book{b134,
	
	
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	title={{Master's thesis: Indulgence and restraint in Turkey}}
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	author={{
			YavuzYasar
		}}
		
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	year={2014}
		
	

}

@incollection{b135,
	
	
		,
	title={{Assessing e-commerce systems success: A respecification and validation of the DeLone and McLean model of IS success}}
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	author={{
			WangYi Shun
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	journal={{Information Systems Journal}}
		
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	year={2008}
		
	

}

@incollection{b136,
	
	
		,
	title={{The effects of national culture values on consumer acceptance of e-commerce: Online shoppers in China}}
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	author={{
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	journal={{Information and management}}
		
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	year={2009}
		
	

}

@incollection{b137,
	
	
		,
	title={{Effects of influential factors on consumer perceptions of uncertainty for online shopping}}
		,
	author={{
			GZhang
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			ZLiu
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	journal={{Nankai Business Review International}}
		
			2
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	year={2011}
		
	

}

@incollection{b138,
	
	
		,
	title={{Does ethics perception foster consumer repurchase intention? Role of trust, perceived uncertainty, and shopping habit}}
		,
	author={{
			ZhiYang
		} and {
			QuangVan Ngo
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			YaguangChen
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			Chung Xuan-ThiNguyen
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		,
	journal={{SAGE Open}}
		
			
			,
	year={2019}
		
	

}