To overcome the psychological risks for consumers, it is suggested that online merchants focus on identifying target customers and offering products that best meet the psychological needs of those customers. In addition, it may be necessary to improve the process related to returning and exchanging products purchased online. When consumers know that they can easily return or exchange any product with which they do not feel quite comfortable, much of their psychological concerns will be relieved. For example, Amazon.com provides an automated process of enabling a customer to request a return and to print a return address label,and thus, customers feel that the cost of resolving the psychological discomfort resulting from the wrong choice of a product is minimal.Online merchants must keep in mind that online trust is formed slowly over time as consumers gain experience through repeated transactions (Cheskin-Research, 1999).