1. American Express International Communications Research, http://www.epaynews.com
2. American Express, 2002. International Communications Research, http://www.epaynews.com, accessed 5th March 2002.
3. Assael, H., 1981. Consumer behaviour and marketing action. Kent Publishing Co, Boston, MA as cited in Tan, S.J., 1999. Strategies for Reducing consumers risk aversion in Internet shopping. Journal of Consumer Marketing 16(2), 163–180.
4. Cognitive biases, cognitive limits, and risk communication;Baron;Journal of Public Policy and Marketing,2004
5. Bauer, R.A., 1960. Consumer Behaviour as Risk Taking as cited in Cox, D.F., 1967. Risk Taking and Information Handling in Consumer Behaviour. Harvard University Press, Boston, MA.