According to one study (Manisto, 1999) participants in an e-marketing questionaire indicated privacy concerns and censorship as the two top issues that were hindering the growth of e-commerce. In developing countries, respondents painted a much different picture. Respondents in emerging countries listed the following as major obstacles:
- insufficient local content
- costs associated with domestic plans
- ISP-associated performance and costs
- lack of content in native language
Strauss, El-Ansary, and Frost correctly implicate the additional cost of insecure online transactions as well as fradulent and/or malicious credit card users.