That is, the higher the risk of losing money and probability of disclosing credit card information, the lower attitude toward online shopping. This finding is compatible with findings of the Forsythe and Shi (2003) and Biswas and Biswas (2004). In these studies, financial risk is an important factor for not shopping online. Also the higher the probability of non-delivery of order, the lower attitude toward online shopping. It indicates that the non-delivery risk is a significant factor for affecting attitude and hence behavior towards shopping online. People do not tend to shop online because they are not sure whether the ordered merchandise will be delivered or not and lack of seriousness and efforts towards building trust by the retailers makes it a significant reason.