“…Early studies focused on channel usage in certain product categories without considering a specific retailer or company (Sands et al, 2016;Frasquet et al, 2015;Konus et al, 2008). Several researchers, however, have segmented customers based on their use of channels in a specific transaction with a specific retailer (De Keyser et al, 2015;Schröder and Zaharia, 2008;Herhausen et al, 2019). Regarding individual characteristics, the literature has considered brand loyalty (Herhausen et al, 2019;Konus et al, 2008;Sands et al, 2016), perceived shopping enjoyment (Konus et al, 2008;Sands et al, 2016), motivation to conform (Konus et al, 2008;Sands et al, 2016;Frasquet et al, 2015), innovativeness (Konus et al, 2008;Sands et al, 2016;De Keyser et al, 2015), time pressures (Konus et al, 2008;Sands et al, 2016;Frasquet et al, 2015), risk aversion (De Keyser et al, 2015;Schröder and Zaharia, 2008), gender (Konus et al, 2008;Sands et al, 2016;De Keyser et al, 2015;Frasquet et al, 2015), education (De Keyser et al, 2015), age (Konus et al, 2008;Sands et al, 2016;De Keyser et al, 2015;Frasquet et al, 2015) and income/revenue (De Keyser et al, 2015;Sands et al, 2016), etc.…”