Hypotheses		Source
H1	Perceived Risk is correlated with consumer ability on e-commerce.	Koufaris [1] , Bhatnagar and Ghose Bhatnagar and Ghose (2004), Doolin et al. Doolin et al. (2005)
H2	High risk perception on e-commerce leads to flow state.	Dailey Dailey (2004), Delespaul et al. Delespaul et al. (2004), Mathwick and Rigdon Mathwick and Rigdon (1998), Smith and Sivakumar Smith and Sivakumar (2002).