literature review of shopping online

Types of Consumer Behavior in Online Shopping: A Narrative Literature Review

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• Ramilo de Moraes Coutinho Neves 9 ,
• Agostinho Sousa Pinto 10 &
• Humberto Medrado Gomes Ferreira 11  

Part of the book series: Smart Innovation, Systems and Technologies ((SIST,volume 205))

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The present study aimed to analyze the types of consumer behavior in online shopping, through a narrative review of the literature, so that the most prevalent relationships could be established. Through this investigation, it is possible to conclude that there are several types of consumer behavior in online shopping, where the most cited are: impulsive behavior, quality-based behavior, convenience behavior, economic behavior and behavior based on innovation. This literature review points to the opportunity and the need for future research to understand the relationship between consumer behavior in online shopping and existing online payment methods.

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Acknowledgements

This work is financed by Portuguese national funds through FCT—Fundação para a Ciência e Tecnologia, under the project UIDB/05422/2020.

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de Moraes Coutinho Neves, R., Pinto, A.S., Ferreira, H.M.G. (2021). Types of Consumer Behavior in Online Shopping: A Narrative Literature Review. In: Rocha, Á., Reis, J.L., Peter, M.K., Cayolla, R., Loureiro, S., Bogdanović, Z. (eds) Marketing and Smart Technologies. Smart Innovation, Systems and Technologies, vol 205. Springer, Singapore. https://doi.org/10.1007/978-981-33-4183-8_58

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Research Article

A theoretical model of factors influencing online consumer purchasing behavior through electronic word of mouth data mining and analysis

Roles Funding acquisition, Investigation, Methodology, Project administration, Resources, Software, Supervision, Validation, Visualization, Writing – original draft, Writing – review & editing

Affiliation School of Economics and Management, Zhengzhou University of Light Industry, High-tech District, Zhengzhou City, Henan Province, China

Roles Conceptualization, Funding acquisition, Project administration, Supervision

* E-mail: [email protected]

Affiliation School of Politics and Public Administration, Soochow University, Gusu District, Suzhou City, Jiangsu Province, China

Roles Data curation, Funding acquisition, Project administration

Roles Formal analysis, Funding acquisition, Project administration

• Qiwei Wang, 
• Xiaoya Zhu, 
• Manman Wang, 
• Fuli Zhou, 
• Shuang Cheng

• Published: May 18, 2023
• https://doi.org/10.1371/journal.pone.0286034
• Peer Review
• Reader Comments

The coronavirus disease 2019 pandemic has impacted and changed consumer behavior because of a prolonged quarantine and lockdown. This study proposed a theoretical framework to explore and define the influencing factors of online consumer purchasing behavior (OCPB) based on electronic word-of-mouth (e-WOM) data mining and analysis. Data pertaining to e-WOM were crawled from smartphone product reviews from the two most popular online shopping platforms in China, Jingdong.com and Taobao.com . Data processing aimed to filter noise and translate unstructured data from complex text reviews into structured data. The machine learning based K-means clustering method was utilized to cluster the influencing factors of OCPB. Comparing the clustering results and Kotler’s five products level, the influencing factors of OCPB were clustered around four categories: perceived emergency context, product, innovation, and function attributes. This study contributes to OCPB research by data mining and analysis that can adequately identify the influencing factors based on e-WOM. The definition and explanation of these categories may have important implications for both OCPB and e-commerce.

Citation: Wang Q, Zhu X, Wang M, Zhou F, Cheng S (2023) A theoretical model of factors influencing online consumer purchasing behavior through electronic word of mouth data mining and analysis. PLoS ONE 18(5): e0286034. https://doi.org/10.1371/journal.pone.0286034

Editor: Ahmad Samed Al-Adwan, Al-Ahliyya Amman University, JORDAN

Received: April 19, 2023; Accepted: May 5, 2023; Published: May 18, 2023

Copyright: © 2023 Wang et al. This is an open access article distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.

Data Availability: All relevant data are within the manuscript and its Supporting Information files.

Funding: The author(s) disclosed receipt of the following financial support for the research, authorship, and/or publication of this article: This study was supported by the Henan Province Philosophy and Social Science Planning Project (grant number. 2020CZH012), the Henan Key Research and Development and Promotion Special (Soft Science Research) (grant number. 222400410126), the Jiangsu Province Social Science Foundation Youth Project (grant number. 21GLC012) and the Doctor Fund of Zhengzhou University of Light Industry (grant number. 2020BSJJ022, 2019BSJJ017). The funders had no role in study design, data collection and analysis, decision to publish, or preparation of the manuscript.

Competing interests: The authors have declared that no competing interests exist.

1. Introduction

A prolonged quarantine and lockdown imposed by the coronavirus disease 2019 (COVID-19) pandemic has changed the human lifestyle worldwide. The COVID-19 pandemic has negatively impacted various sectors such as manufacturing, import and export trade, tourism, catering, transportation, entertainment, especially retail and hence the global economy. Consumer behavior has gradually shifted toward contactless services and e-commerce activities owing to the COVID-19 [ 1 ].

Consumers are relying on e-commerce more than ever to protect their health. Recent advances in information technology, digital transformation, and the Internet helped consumers to encounter the COVID-19 to meet the needs of the daily lives, which led to an increase in the importance of e-commerce and changes in consumers’ online purchasing patterns [ 2 ]. When consumers shop online, their behavior is considered non-traditional, and is illustrated by a new trend and current environment. To analyze the influencing factors of online consumer purchasing behavior (OCPB), it is necessary to consider several factors, such as the price and quality of a product, consumers’ preferences, website design, function, security, search, and electronic word-of-mouth (e-WOM) [ 3 ]. As the current website design and payment security have become a user-friendly and guaranteed system compared with a decade ago, some factors are no longer considered as essential. By contrast, greater diversity and complexity have become the main characteristics of the influencing factors. Furthermore, under the traditional sales model, consumers’ purchase decisions were simple, while online consumers have more options in terms of shopping channels and decision choices. Meanwhile, in recent years, consumers’ preferences have gradually shifted from standardized products to customized and personalized. In line with these changes, information technology and data science, such as big data analytics, data mining from e-WOM, and machine learning (ML), adaptively analyze data regarding online consumers’ needs to obtain more accurate data.

Since the concept of big data was proposed in 2008, it has been applied and developed lasting 14 years, emerging as a valuable tool for global e-commerce recently. However, most enterprises have failed to seize the benefits generated from big data. In the context of big data, a huge number of comments were posted regarding e-malls (Amazon, Taobao, etc.) and online social media (blogs, Bulletin Board System, etc.). For instance, Amazon was the first e-commerce company to establish an e-WOM system in 1995, which provided the company with valuable suggestions from online consumers. E-WOM has greater credibility and persuasiveness, compared with traditional word of mouth (WOM), which is limited by various subjective factors. Moreover, e-WOM has the advantage of containing not only structured data (e.g., ratings) but also unstructured data (e.g., the specific content of consumer reviews). However, e-WOM provides product-related information that cannot be directly transformed to a research objective. Thus, an innovative method of big data analytics needs to be utilized to explore the influencing factors of OCPB, which shows the advantage of interdisciplinary applications.

The research problems are to explore the factors influencing OCPB through e-WOM data mining and analysis and explain the most important influencing factors for online consumers that are likely to exist in the future within the context of the COVID-19. The study fulfills the literature gaps on exploring influencing factors of OCPB from the perspective of e-WOM. The study makes a significant contribution to the consumer study because its findings can adequately identify the influencing factors of OCPB. It also provides the theoretical and managerial implications of its findings including how e-commerce platforms can use such data to adapt their platforms and marketing strategies to diverse situations.

The remainder of this is organized as follows. Section 1 presents the introduction. Section 2 discusses the literature review and hypotheses. Section 3 provides the methodology, including data mining and analysis. Section 4 describes the results, including K-means results, performance metrics, hypotheses results, and a theoretical model. Sections 5 and 6 provide discussion and conclusion, respectively.

2. Literature review and hypotheses

2.1 influencing factors of ocpb.

Online shopping has an increasing sales volume each year, which has become huge challenges for offline retailers. Venkatesh et al. [ 4 ] found that culture, demographics, economics, technology, and personal psychology were the main antecedents of online shopping, and the main drivers of online shopping were congruence, impulse buying behavior, value consciousness, risk, local shopping, shopping enjoyment, and browsing enjoyment by a comprehensive model of consumers online purchasing behavior. Within the context of COVID-19, OCPB is positively impacted by attitude toward online shopping [ 5 ]. Melović et al. [ 6 ] focused on millennials’ online shopping behavior and noted that the demographic characteristics, the affirmative characteristics, risks and barriers of online shopping were the key influencing factors. Based on the stimulus-organism-response (SOR) theory model, consumers’ actual impulsive shopping behavior is impacted by arousal and pleasure [ 7 ]. Furthermore, the influencing factors of consumers’ purchase behavior toward green brands are green perceived quality, green perceived value, green perceived risk, information costs saved, and purchase intentions by perceived risk theory [ 8 ]. The positive and negative effects of corporate social responsibility practices on consumers’ pro-social behavior are moderated by consumer-brand social distance, although it also impacts consumer behavior beyond the consumer-brand dyadic relationship [ 9 ]. Green perceived value, functional value, conditional value, social value, and emotional value may impact green energy consumers’ purchase behavior [ 10 ]. Recipients’ behavior and WOM predict distant consumers’ behavior [ 11 ]. Moreover, consumer behavior is significantly impacted by financial rewards, perceived intrusiveness, attitudes toward e-mail advertising, and intentions toward the senders [ 12 ]. Store brand consumer purchase behavior is positively impacted by store image perceptions, store brand price-image, value consciousness, and store brand attitude [ 13 ]. A meta-analysis summarizes the influencing factors of consumer behavior, household size, store brands, store loyalty, innovativeness, familiarity with store brands, brand loyalty to national brands, price consciousness, value consciousness, perceived quality of store brands, perceived value for money of store brands, and search versus experience positively impact consumer behavior, whereas price–quality consciousness, quality consciousness, price of store brands, and the consequences of making a mistake in a purchase negatively impact consumer behavior [ 14 ].

Based on protection motivation theory and theory of planned behavior (TPB), consumers are more likely to use online shopping channels than offline channels during the COVID-19 pandemic [ 15 ]. The TPB is also adapted to explain the influencing factors of consumers’ behavior in different areas. For instance, the attitude, perceived behavioral control, policy information campaigns, and past-purchase experiences significantly impact consumers’ purchase intention, whereas subjective and moral norms show no significant relationship based on the extended TPB [ 16 ]. Although green purchase behavior has different antecedents, only personal norms and value for money have fully significant relationships with green purchase behavior, environmental concern, materialism, creativity, and green practices. Functional value positively influences purchase satisfaction, physical unavailability, materialism, creativity, and green practices, and negatively influences the frequency of green product purchase by extending the TPB [ 17 ]. Meanwhile, Nimri et al. [ 18 ] utilized the TPB in green hotels and showed that knowledge and attitudes, as well as subjective injunctive norms, positively impacted consumers’ purchase intention. Yi [ 19 ] observed that attitude, social norm, and perceived behavioral control positively impacted consumers’ purchase intention based on the TPB. The factors of supportive behaviors for environmental organizations, subjective norms, consumer attitude toward sustainable purchasing, perceived marketplace influence, consumers’ knowledge regarding sustainability-related issues, and environmental concern are the influencing factors of consumers sustainable purchase behavior [ 20 ]. Consumers’ green purchase behavior is impacted by the intention through support of the TPB [ 21 ].

2.2 Influencing factors of emergency context attribute

Consumers exhibited panic purchase behavior during the COVID-19, which might have been caused by psychological factors such as uncertainty, perceptions of severity, perceptions of scarcity, and anxiety [ 22 ]. In the reacting phase, consumers responded to the perceived unexpected threat of the COVID-19 and intended to regain control of lost freedoms; in the coping phase, they addressed this issue by adopting new behaviors and exerting control in other areas, and in the adapting phase, they became less reactive and accommodated their consumption habits to the new normal [ 23 ]. The positive and negative e-WOMs may have significant influence on online consumers’ psychology. Specifically, e-WOM that conveys positive emotions (pride, surprise) tends to have a greater impact on male readers’ perception of the reviewer’s cognitive effort than female readers, whereas e-WOM that conveys negative emotions (anger, fear) has a greater impact on cognitive effort of female readers than male readers [ 24 ]. When online consumers believe their behavioral effect is feasible and positive, while their behavioral decision is related to the behavioral outcome [ 25 ]. Traditionally, there are five stages of consumer behavior that include demand identification, information search, evaluation of selection, purchase, and post-purchase evaluation. In addition, online purchase behavior involved in the various stages can be categorized into: attitude formation, intention, adoption, and continuation. Most of the important factors that influence online purchasing behavior are attitude, motivation, trust, risk, demographics, website, etc. “Internet Adoption” is widely used as a basic framework for studying “online buying adoption”. Psychological and economic structures associated with the IT adoption model can be used as the online consumer’s behavior models for innovative marketers. The adoption of online purchasing behavior is explained by different classic models of attitude behavior [ 26 ]. Consumer behaviors represented by customer trust and customer satisfaction, influence repurchase and positive WOM intentions [ 27 ]. Return policy leniency, cash on delivery, and social commerce constructs were significant facilitators of customer trust [ 28 ]. Meanwhile, seller uncertainty was negatively influenced by return policy leniency, information quality, number of positive comments, seller reputation, and seller popularity [ 29 ]. Social commerce components were a necessity in complementing the quality dimensions of e-service in the environment of e-commerce [ 30 ]. Perceived security, perceived privacy and perceived information quality were all significant facilitators of online customer trust and satisfaction [ 31 ].

E-service quality, consumer social responsibility, green trust and green perceived value have a significant positive impact on green purchase intention, whereas greenwashing has a significant negative impact on green purchase intention. In addition, consumer social responsibility, green WOM, green trust and green perceived value positively moderated the relationship between e-service quality and green purchase intention, while greenwashing and green participation negatively moderated the relationships [ 32 ]. Large-scale online promotions provide mobile users with a new shopping environment in which contextual variables simultaneously influence consumer behavior. There is ample evidence suggesting that mobile phone users are more impulsive during large-scale online promotion campaigns, which are the important contextual drivers that lead to the occurrence of mobile users’ impulse buying behavior in the “Double 11” promotion. The results show that promotion, impulse buying tendency, social environment, aesthetics, and interactivity of mobile platforms, and available time are the key influencing factors of impulse buying by mobile users [ 33 ]. Environmental responsibility, spirituality, and perceived consumer effectiveness are the key psychological influencing factors of consumers’ sustainable purchase decisions, whereas commercial campaigns encourage young consumers to make sustainable purchases [ 34 ]. The main psychological factors affecting consumers’ green housing purchase intention include the attitude, perceived moral obligation, perceived environmental concern, perceived value, perceived self-identity, and financial risk. Subjective norms, perceived behavioral control, performance risk, and psychological risk are not included. Meanwhile, the purchase intention is an important predictor of consumers’ willingness to buy [ 35 ]. The perceived control of flow and focus will positively affect the utilitarian value of consumers, while focus and cognitive enjoyment will positively impact the hedonic value. Moreover, utilitarian value has a greater impact on satisfaction than hedonic value. Finally, hedonic value positively impacts unplanned purchasing behavior [ 36 ]. Utilitarian and hedonic features achieve high purchase and WOM intentions through social media platforms and also depend on gender and consumption history [ 37 ].

Therefore, we present the following hypothesis:

• Hypothesis 1 (H1): Perceived emergency context attribute is the influencing factor of OCPB.

2.3 Influencing factors of perceived product attribute

Product quality and preferential prices are the major factors considered by online consumers, especially within the context of the COVID-19. Specifically, online shopping offers lower price, more choices for better quality products, and comparison between them [ 1 ]. Under the circumstance of online reviews, an original equipment manufacturer (OEM) selling a new product carefully decides whether to adopt the first phase remanufacturing entry strategy or to adopt the phase 2 remanufacturing entry strategy under certain conditions. Meanwhile, the OEM adopts penetration pricing for new and remanufactured products, when the actual quality of the product is high. Otherwise, it adopts a skimming pricing strategy, which is different from uniform pricing when there are no online reviews. Online reviews significantly impact OEM’s product profits and consumer surplus. Especially when the actual quality of the product is high enough, the OEM and the consumer will be also reciprocal [ 38 ]. Online reviews reduce consumers’ product uncertainty and improve the effect of consumer purchase decisions [ 39 , 40 ]. Uzir et al. [ 41 ] utilized the expectancy disconfirmation theory to prove that product quality positively impacts customer satisfaction, while product quality and customer satisfaction are mediated by customer’s perceived value. Product quality and customer’s perceived value will have greater influence with higher frequency of social media use. Nguyen et al. [ 42 ] studies consumer behavior from a cognitive perspective, and theoretically develops and tests two key moderators that influence the relationship between green consumption intention and behavior, namely the availability of green products and perceived consumer effectiveness.

Both sustainability-related and product-related texts positively influence consumer behavior on social media [ 43 ]. Online environment, price, and quality of the products are significantly impacted by OCPB. Godey et al. [ 44 ] explained the connections between social media marketing efforts and brand preference, price premium, and loyalty. Brand love positively impacts brand loyalty, and both positively impact WOM and purchase intention [ 45 ]. Brand names have a systematic influence on consumer’s product choice, which is moderated by consumer’s cognitive needs, availability of product attribute information, and classification of brand names. In the same choice set, the share of product choices with a higher brand name will increase and be preferred even if it is objectively inferior to other choices. Consumers with low cognitive needs use the heuristic of “higher is better” to select options labeled with brand names and choose brands with higher numerical proportions [ 46 ].

• Hypothesis 2 (H2): Perceived product attribute is the influencing factor of OCPB.

2.4 Influencing factors of perceived innovation attribute

Product innovation increases company’s competitive advantage by attracting consumers, whereas the enhancement of innovative design according to consumer behavior accelerates the development of sustainable product [ 47 , 48 ]. The innovation, WOM intentions and product evaluation can be improved positively by emotional brand attachment and decreased by perceived risk [ 49 ]. Based on the perspective of evolutionary, certain consumer characteristics, such as buyer sophistication, creativity, global identity, and local identity, influence firms’ product innovation performance, which can increase the success rate of product innovation, and enhance firms’ research and development performance [ 50 ]. However, technological innovation faces greater risk as it depends on market acceptance [ 51 ]. Moreover, electronic products rely more on technological innovation compared with other products, which maintain the profit and market [ 52 ]. The technological innovation needs to apply logical plans and profitable marketing strategies to reduce consumer resistance to innovation. Thus, Sun [ 53 ] explains the relationship between consumer resistance to innovation and customer churn based on configurational perspective, whereas the results show that response and functioning effect are significant but cognitive evaluation is not.

Based on the perspective of incremental product innovation, aesthetic and functional dimensions positively impact perceived quality, purchase intention, and WOM, whereas symbolic dimension only positively impacts purchase intention and WOM. By contrast, aesthetic and functional dimensions only positively impact perceived quality, whereas symbolic dimension positively impacts purchase intention and WOM. Furthermore, perceived quality partially mediates the relationship between aesthetic and functional dimensions and purchase intention and WOM by incremental product innovation, whereas perceived quality fully mediates the relationship between aesthetic and functional dimensions and purchase intention and WOM by radical product innovation [ 54 ]. Contextual factors, such as size of organizations and engagement in research and development activity, moderate the relationship between design and product innovation outcomes [ 55 ]. For radical innovations, low level of product innovation leads to more positive reviews and less inference of learning costs. As the functional attribute of radical innovations is not consistent with existing products, it is difficult for consumers to access relevant product category patterns and thus transfer knowledge to new products. The product innovation of aesthetics, functionality, and symbolism positively impact willingness to pay, purchase intention, and WOM through brand attitude [ 56 ]. This poor knowledge transfer results in consumers feeling incapable of effectively utilizing radical innovations, resulting in greater learning costs. In this case, product designs with low design novelty can provide a frame of reference for consumers to understand radical innovations. However, incremental product innovation shows no significant difference between a low and high level of design newness [ 57 ].

• Hypothesis 3 (H3): Perceived innovation attribute is the influencing factor of OCPB.

2.5 Influencing factors of perceived motivation attribute

The research has proven that almost all consumers’ purchases are motivated by emotion. Under this circumstance, an increase in online consumers’ positive emotions increases, their purchase frequency, whereas an increase in online consumers’ negative emotions reduces their purchase frequency. Additionally, user interface quality, product information quality, service information quality, site awareness, safety perception, information satisfaction, relationship benefits and related benefit factors have negative impacts on consumers’ online shopping emotionally. Nevertheless, only product information quality, user interface quality, and safety perception factors have positive effects on online consumer sentiment [ 58 ]. E-WOM carries emotional expressions, which can help consumers express the emotions timely. Pappas et al. [ 59 ] divides consumers’ motivation into four factors, namely entertainment, information, social-psychological, and convenience, while emotions into two factors, namely positive and negative. Specifically, according to complexity and configuration theories, a conceptual model by a fuzzy-set qualitative comparative analysis examines the relationship between a combination of motivations, emotions, and satisfaction, while results indicate that both positive and negative emotions can lead to high satisfaction when combing motivations.

From the perspective of SOR theory, consumers’ motivation is greatly influenced by self-consciousness, while conscious cognition plays the role of intermediary. First, after being stimulated by the external environment, online consumers will form “cognitive structure” depending on their subjectivity. Instead of taking direct action, they deliberately and actively obtain valid information from the stimulus process, considering whether to choose the product, and then react. Second, the stimulation stage in the retail environment can often attract the attention of consumers and cause the change of their psychological feelings. This stimulation is usually through external environmental factors, including marketing strategies and other objective influences. Third, organism stage is the internal process of an individual. It is a consumers’ cognitive process about themselves, their money, and risks after receiving the information they have seen or heard. Reaction includes psychological response and behavioral response, which is the decision made by the consumer after processing the information [ 60 ]. Based on literature review, 10 utilitarian motivation factors, such as desire for control, autonomy, convenience, assortment, economy, availability of information, adaptability/customization, payment services, absence of social interaction, and anonymity and 11 hedonic motivation factors, such as visual appeal, sensation seeking/entertainment, exploration/curiosity, escape, intrinsic enjoyment, relaxation, pass time, socialize, self-expression, role shopping, and enduring involvement with a product or service, are refined [ 61 ]. Consumers’ incidental moods can improve online shopping decisions impulsivity, while decision making process can be divided into orientation and evaluation [ 62 ]. Sarabia‐Sanchez et al. [ 63 ] combine K-means cluster and ANOVA analyses to explore the 11 motivational types of consumer values, which are achievement, tradition, inner space, universalism, hedonism, ecology, self-direction (reinforcement, creativity, harmony, and independence), and conformity.

• Hypothesis 4 (H4): Perceived motivation attribute is the influencing factor of OCPB.

3. Materials and methods

3.1 research design.

Given the present study’s objective to identify the influencing factors of OCPB, we analyzed e-WOM using big data analysis. To obtain accurate data of the influencing factors on OCPB, smartphones were the main object of data crawling. The rationale behind this choice is as follows. First, the time people spend using their smartphones is gradually increasing. Nowadays, smart phones are not only used for telephone calls or text messages, but also for taking photographs, recording video, surfing the web, online chatting, online shopping, and other such uses [ 64 ]. Second, smartphones have become a symbol of personal identification, as users’ using fingerprint or facial scans are frequently used to unlock devices, conduct online transactions, and make reservations, etc. Finally, smartphones’ software and hardware are updated frequently, so they may be considered high-tech products. Therefore, smartphones were chosen as the research object to determine which influencing factors affect OCPB.

Fig 1 shows the e-WOM data mining process and methods used. A dataset obtained from Taobao.com and Jingdong.com was collected by utilizing a Python crawling code, additional details of which are provided in Section 2.3. Section 2.4 addresses issues regarding language complexity. Moreover, Section 2.5 refers to the clustering of the influencing factors of OCPB through the K-means method of ML.

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https://doi.org/10.1371/journal.pone.0286034.g001

3.2 Data collection

The data were crawled from the e-commerce platforms Jingdong.com and Taobao.com by utilizing Python software. Jingdong and Taobao are the most powerful and popular platforms in China having professional e-WOM and user-friendly review systems. Specifically, the smartphone brands selected for analysis were Apple, Samsung, and Huawei because these three smartphone companies occupy the largest percentage of the smartphone market.

The authors determined that the analysis of the influencing factors of OCPB would be more persuasive and realistic by choosing smartphone models with high usage rate and liquidity. Thus, products reviews were crawled for the purchase of newly launched smartphones from Apple, Samsung, and Huawei in 2022. Specifically, to guarantee high-quality data, reviews from Taobao flagship stores and Jingdong directly operated stores were selected. However, we only collected reviews’ text content instead of images, videos, ratings, or rankings, the rationale was to ensure the reliability of data and meet research objectives. For instance, some e-commerce sellers attempt to increase their sales volume through deceitful methods, such as by faking ratings, rankings, and positive comments. Furthermore, online sellers and e-commerce companies (rather than consumers) often decide which smartphones are highest-rated and highest-selling. Finally, nowadays, the content of online reviews is not limited to text, as they also involve pictures, videos, and ratings, which have limited contribution in analyzing influencing factors of OCPB. Thus, the analyzed data regarding e-WOM in reviews was limited to text content.

In addition, to accurately reflect the real characteristics of OCPB during the COVID-19 pandemic, the study period ranged between February and May, 2022 (4 months). During that 4-month period, consumers exhibited a preference for buying products from e-commerce platforms. Specifically, the number of text reviews for the aforementioned types of smartphones was 51,2613 and 44,3678 in Taobao and Jingdong, respectively, for a total of 956,291 reviews.

3.3 Textual review processing method

As the crawled data exhibited noise, several data cleaning methods were adopted to filter noise and transform unstructured data of complex contextual review into structured data. Fig 1 shows the main procedures of the reviews’ pre-processing and the details are as follows.

First, to identify the range of sentences and for further data processing, sentences were apportioned using Python’s tokenizer package.

Second, this study employed Python’s Jieba package to perform word segmentation. The Jieba package is the Python’s best Chinese word segmentation module, comprising three modes. The exact mode was used to segment the sentences as accurately as possible, so they may be suitable for textual context analysis. The full mode was used to scan and process all words in each sentence, although it had a relatively high speed, it had a low capacity to resolve ambiguity. Additionally, the search engine mode segmented long words a second time, which allowed for the improvement of the recall rate, and was suitable for engine segmentation based on Jieba’s exact mode.

Third, stop words were deleted by referring to a stop words list. These included conjunctions, interjections, determiners, and meaningless words, among others. Finally, Python’s Word-to-vector (Word2vec) package was imported in the next step. Word2vec is an efficient training word vector model proposed by Mikolov [ 65 , 66 ]. The basic starting point was to match pairs of similar words. For instance, when “like” and “satisfy” appeared in a same context, they showed a similar vector, as both words had a similar meaning. Kim et al. [ 67 ] stated that a word could be considered a single vector and real numbers in the Word2vec model. In fact, most supervised ML models could be summarized as f ( x )−> y . Moreover, x could be considered a word in a sentence, while y could be considered this word in the context. Word2vec aimed to decide whether the sample of ( x , y ) could match the laws of natural language. Namely, after the process of Word2vec, the combination of word x and word y could be reasonable and logical or not. Table 1 shows the results of text processing.

https://doi.org/10.1371/journal.pone.0286034.t001

3.4 Influencing factors analysis by K-means

ML styles are divided into supervised and unsupervised algorithms. This study mainly utilized unsupervised algorithms to analyze the clusters of influencing factors of OCPB. Unsupervised algorithms consist in the clustering of unknown or unmarked objects without a trained sample [ 68 ]. This study utilized K-means to cluster the influencing factors.

For a given sample set, the K-means algorithm divides the sample set into k clusters according to the distance between samples. The main algorithm’s logic is to make the points in the cluster as close as possible, and to make the distance between the clusters as large as possible. Assuming that clusters can be divided into ( C 1 , C 2 ,…, C k ), the Euclidean distance of E is shown in Eq 1 .

The main procedures of K-means were the following.

Step 1 consisted of inputting the samples D = { x 1 , x 2 ,… x m }, K is the number of clusters, and appears as C = { C 1 , C 2 ,… C k }.

In Step 2, K samples were randomly selected from data set D as the initial K centroid vectors: { μ 1 , μ 2 ,… μ k }.

For Step5, it was necessary to repeat Steps 3 and 4, until all the centers μ remained steady. The final clustering result can be shown as C = { C 1 , C 2 ,… C k }.

The main procedures of K-means, according to Jain [ 69 ], are shown in Table 2 .

https://doi.org/10.1371/journal.pone.0286034.t002

4.1 K-means results

Based on the main procedures of K-means ( Table 2 ), the results are presented in Figs 2 – 4 .

https://doi.org/10.1371/journal.pone.0286034.g002

https://doi.org/10.1371/journal.pone.0286034.g003

https://doi.org/10.1371/journal.pone.0286034.g004

Four clusters of influencing factors of OCPB can be clearly identified in the analyses of the Jingdong dataset, Taobao dataset, and combined Jingdong and Taobao dataset. After checking the context of four clusters, even though small differences were found, their influence was found to be negligible for our analyses. Thus, Fig 4 was chosen as the benchmark of influencing factors of OCPB. In Section 4.3, the explanation and analysis of influencing factors of OCPB will be presented.

4.2 Performance metrics

First, performance metrics of sum of the square errors (SSE) and silhouette coefficient were adapted to verify the clustering results of K-means.

When the number of clusters does not reach the optimal numbers K, SSE decreases rapidly with the increase of the number of clusters, while SSE decreases slowly after reaching the optimal numbers, and the maximum slope is the optimal numbers K.

Where C i is the i th cluster, p is the sample point in C i (the mean value of all samples in C i ), and SSE is the clustering error of all samples, which represents the quality of clustering effect.

Fig 5 indicates that the SSE decreases rapidly when K equals the number of four.

https://doi.org/10.1371/journal.pone.0286034.g005

The range of sc i is between -1 and 1, the clustering effect is bad when sc i is below zero, whereas the clustering effect is good when sc i is near 1 conversely.

Based on Fig 6 , it is obviously to show that the silhouette coefficient reaches highest when K equals the number of four. Therefore, the results of the SSE and the silhouette coefficient jointly prove the number of K is four.

https://doi.org/10.1371/journal.pone.0286034.g006

4.3 Hypotheses results

Based on the K-means analysis, this section presents the influencing factors identified in the data from Jingdong and Taobao, which indicate the influencing factors influencing OCPB.

The first cluster comprises the perceived emergency context attribute, such as logistics, expressage, delivery, customer service, promotion, and reputation.

The second cluster comprises the perceived product attribute, such as appearance, brand, hand feeling, color, cost-performance ratio, price, design, and usability.

The third cluster comprises the perceived innovation attribute, such as photograph, quality and effects, screen quality, audio and video quality, pixel density, image resolution, earphone capabilities, and camera specifications.

The fourth cluster comprises the influencing factors, such as processing speed, operation, standby time, battery, system, internal storage, chip, performance, and fingerprint and face recognition, which cannot represent the perceived motivation attribute.

The results match the findings of Zhang et al. [ 70 ] to some extent, who identified 11 smartphone attributes based on online reviews: performance, appearance, battery, system, screen, user experience, photograph, price, quality, audio and video, and after-sale service. In addition, other scholars have explained the relationship between feature preferences and customer satisfaction [ 71 , 72 ], usage behavior and purchase [ 73 , 74 ], importance and costs of smartphones’ features and services [ 75 ], brand effects [ 76 ], and purchase behavior of people of different ages and gender groups [ 77 – 79 ]. Thus, H1, H2 and H3 are supported, while H4 is not supported according to the results of the K-means analysis.

4.4 Theoretical framework and validity of OCPB influencing factors

Kotler’s five product level model states that consumers have five levels of need comprising the core level, generic level, expected level, augmented level, and potential level. First, the core benefit is the fundamental need or want that consumers satisfy by consuming a product or service. Second, the generic level is a basic version of a product made up of only those features necessary for it to function. Third, the expected level includes additional features that the consumer might expect. Fourth, the augmented level refers to any product variations or extra features that might help differentiate a product from its competitors and make the brand a preferred choice amongst its competitors. Finally, a potential product includes all augmentations and improvements that a product might experience in the future [ 80 ].

In contrast with these levels, this study proposed the four influencing factors of OCPB. Based on Table 3 , first, the perceived emergency context H1 is not included in Kotler’s five products level, while the influencing factor expresses the significant characteristics of OCPB compared with Kotler’s model. Second, the perceived product attribute H2 could be considered the core and generic level. Third, the perceived innovation attribute H3 could be considered the potential level. Fourth, the results of H4 mainly reflects additional or special function of product, which meets the definition of the expected and augmented level. To refine the theoretical framework, H4 changes to the perceived functionality attribute by combing the explanation of the expected and augmented level, instead of the perceived motivation attribute. The details are shown in Fig 7 .

https://doi.org/10.1371/journal.pone.0286034.g007

https://doi.org/10.1371/journal.pone.0286034.t003

Fig 7 shows the four influencing factors of the theoretical framework of OCPB. Specifically, according to Kotler’s five products level, the perceived product attribute is the necessary influencing factor of OCPB, which meets the core drive and basic requirement. For instance, the core drive of purchasing of a smartphone is the core function of communication, and then the appearance, brand, color, etc. The perceived functionality attribute is the additional influencing factor of OCPB, which meets the expected and augmented requirement. For instance, when smartphones are in the same price range, consumers prefer to choose a smartphone belonging to better quality, smarter design, or better functionality. Moreover, the perceived innovation attribute is the attractive influencing factor of OCPB, which reflects the potential level. For instance, most consumers are the Apple fans mostly because the Apple products offer innovative usage experience and different technology elements yearly. Finally, the perceived emergency context attribute is the adaptive influencing factor of OCPB, which shows the main distinction with Kotler’s five products level. Further, because of the COVID-19, consumers only have online channel to purchase product under a prolonged quarantine and lockdown. Thus, in the emergency context, consumers primarily consider whether the product can be purchased in the e-commerce platform, whether the product can be delivered normally, or whether the packaged has been disinfected fully.

5. Discussion

Traditional consumer behavior is mainly affected by psychological, social, cultural, economic, and personal factors [ 81 , 82 ]. Park and Kim [ 83 ] conducted an empirical study to identify the key influencing factors that impact OCPB, which include service information quality, user interface quality, security perception, information satisfaction, and relational benefit. Further, Sata [ 84 ] conducted an empirical study and found that price, social group, product features, brand name, durability and after-sales services were important to consumers’ buying behavior when choosing a smartphone for purchase. Simultaneously, some studies have utilized big data technology to explore OCPB, exploring online consumers’ attitude toward products in different countries, and identified product features. However, these studies do not identify the influencing factors of OCPB and ignore e-WOM. To better explain OCPB influencing factors, e-WOM should be integrated into the theoretical framework and used in practical applications. Thus, this study contributes to OCPB research by data mining and analysis that can adequately identify the influencing factors based on e-WOM.

5.1 Theoretical implications

First, perceived emergency context attribute is the influencing factor of OCPB. Because of the COVID-19, e-commerce is the priority choice for consumers under circumstances of prolonged quarantine and lockdown, and then considering logistics and delivery. Furthermore, customer service, packaging, promotion, and reputation are critical to online consumers.

Second, perceived product attribute is the influencing factors of OCPB. The basic features of product, such as appearance, brand, hand feeling, price, and design, positively attract online consumers. Elegant appearance, famous brand, better hand feeling, lower price, and better design would be more impactful to OCPB.

Third, perceived innovation attribute is the influencing factor of OCPB. For smartphone, online consumers would show more interest in the innovation of speed, operation, standby time, chip, etc. Scientific and technological innovation for most products could improve the level of OCPB. Thus, the guarantee and improvement of functionality of a product could create more opportunities for online consumers to make purchasing decisions.

Fourth, according to Kotler’s five products level, perceived product attribute satisfies the characteristics of core drive and basic, while the perceived innovation attribute satisfies the characteristics of the potential level. Because hypothesis of perceived motivation attribute is not supported. Based on the analyzing results, the perceived functionality attribute is refined instead of the perceived motivation functionality attribute, which satisfies the expected and augmented. Meanwhile, the perceived emergency context attribute is not included, which shows the main difference with Kotler’s five products level.

5.2 Managerial implications

The influencing factors of OCPB were clustered into four categories: perceived emergency context, product, innovation, and function attributes. The definition and explanation of these categories may have important managerial implications for both OCPB and e-commerce. First, the findings of this study suggest that e-commerce enterprises should pay more attention to improving the quality, user experience, and additional design features of their products to arouse the interest of OCPB. However, this may be difficult for e-commerce enterprises because achieving these goals requires updating the software and hardware constantly, which involves significant investment. For most scientific and technical corporations, making heavy investments is not particularly difficult, however, service-type enterprises and small and medium enterprises may have insufficient funds to afford such heavy investments. This is the main reason that most online consumers buy products from famous brands instead of small and medium enterprises. Therefore, to improve their situation, both types of companies could jointly develop products or services, for instance, small and medium enterprises may purchase patents from large enterprises, jointly researching and developing products, or large enterprises could share their achievements at a price.

Second, the pandemic has accelerated the spread of e-commerce considerably, changing consumers’ shopping style in the process. Accordingly, e-commerce enterprises should adapt their marketing strategies, especially as the COVID-19 pandemic is still ongoing, due to the rapid development of the economy and its dynamic environment. For instance, e-commerce platforms should realize that changes in OCPB will continue to contribute to the growth of the e-commerce market. Moreover, e-commerce enterprises should combine their online presence with brick-and-mortar stores. Even more importantly, e-commerce enterprises should successfully operate their supply chain to adapt to the implementation of lockdown measures and the closing of manufacturing factories. Consumers should exercise caution when facing e-commerce enterprises’ adaptive financial policy, such as interest-free rates, which may cause financial burden.

Third, e-commerce enterprises should offer a simple and smooth shopping experience, clearly display practical information, increase the value of goods (by improving the quality, design, and performance of products or services) and improve their brand image for online consumers. However, e-commerce enterprises sometimes rely on certain fraudulent methods to increase their sales volume, such as falsifying positive e-WOM and deleting negative feedback, as was identified during the data processing stage. Therefore, online consumers should select online stores cautiously to avoid buying products of poor quality or performance.

Fourth, nowadays, technology is constantly evolving at an accelerated rate, particularly in the smartphone industry, as companies launch new products with innovative functions each year. Thus, e-commerce enterprises should strive to innovate to secure their position in the market. In addition, consumers should reconsider the need to experience the state-of-the-art products because these may have high prices.

6. Conclusion and limitations

In conclusion, during the COVID-19 pandemic, consumers highly preferred to buy products online, because most brick-and-mortar stores were closed due to lockdowns and social distancing measures. Additionally, with the rapid development of e-commerce, online shopping has become the most popular shopping style because it allows consumers to not only save time and money, but also review e-WOM before purchasing a product. Moreover, e-WOM is much more reliable compared with traditional WOM. Thus, this study proposed a theoretical framework to explore and define the influencing factors of OCPB based on e-WOM data mining and analyzing. The data were crawled from Jingdong and Taobao, while the data process was also fully demonstrated. Comparing the results, the influencing factors of OCPB were clustered around four categories: perceived emergency context, product, innovation, and function attributes. Moreover, perceived emergency context attribute is the main difference compared with Kotler’s five products level, while perceived product attribute meets the core and generic level, perceived functionality attribute meets the expected and augmented level, and perceived innovation attribute meets the potential level.

However, this study still has certain limitations. First, the data were crawled from Chinese e-commerce websites, hence, they may not be generalized in contexts where the influencing factors and dimensions may vary compared with other countries or regions. Second, this study only explored and defined the antecedents of OCPB. Data should be added from Western e-commerce websites. Moreover, the present study’s results should be compared with Western studies to generate a more comprehensive view of the antecedents of OCPB. Future studies should explore the underlying mechanisms influencing OCPB.

Supporting information

S1 dataset..

https://doi.org/10.1371/journal.pone.0286034.s001

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The Impact of Online Reviews on Consumers’ Purchasing Decisions: Evidence From an Eye-Tracking Study

1 School of Business, Ningbo University, Ningbo, China

Premaratne Samaranayake

2 School of Business, Western Sydney University, Penrith, NSW, Australia

XiongYing Cen

Yi-chen lan, associated data.

The original contributions presented in the study are included in the article/supplementary material, further inquiries can be directed to the corresponding author.

This study investigated the impact of online product reviews on consumers purchasing decisions by using eye-tracking. The research methodology involved (i) development of a conceptual framework of online product review and purchasing intention through the moderation role of gender and visual attention in comments, and (ii) empirical investigation into the region of interest (ROI) analysis of consumers fixation during the purchase decision process and behavioral analysis. The results showed that consumers’ attention to negative comments was significantly greater than that to positive comments, especially for female consumers. Furthermore, the study identified a significant correlation between the visual browsing behavior of consumers and their purchase intention. It also found that consumers were not able to identify false comments. The current study provides a deep understanding of the underlying mechanism of how online reviews influence shopping behavior, reveals the effect of gender on this effect for the first time and explains it from the perspective of attentional bias, which is essential for the theory of online consumer behavior. Specifically, the different effects of consumers’ attention to negative comments seem to be moderated through gender with female consumers’ attention to negative comments being significantly greater than to positive ones. These findings suggest that practitioners need to pay particular attention to negative comments and resolve them promptly through the customization of product/service information, taking into consideration consumer characteristics, including gender.

Introduction

E-commerce has grown substantially over the past years and has become increasingly important in our daily life, especially under the influence of COVID-19 recently ( Hasanat et al., 2020 ). In terms of online shopping, consumers are increasingly inclined to obtain product information from reviews. Compared with the official product information provided by the sellers, reviews are provided by other consumers who have already purchased the product via online shopping websites ( Baek et al., 2012 ). Meanwhile, there is also an increasing trend for consumers to share their shopping experiences on the network platform ( Floh et al., 2013 ). In response to these trends, a large number of studies ( Floh et al., 2013 ; Lackermair et al., 2013 ; Kang et al., 2020 ; Chen and Ku, 2021 ) have investigated the effects of online reviews on purchasing intention. These studies have yielded strong evidence of the valence intensity of online reviews on purchasing intention. Lackermair et al. (2013) , for example, showed that reviews and ratings are an important source of information for consumers. Similarly, through investigating the effects of review source and product type, Bae and Lee (2011) concluded that a review from an online community is the most credible for consumers seeking information about an established product. Since reviews are comments from consumers’ perspectives and often describe their experience using the product, it is easier for other consumers to accept them, thus assisting their decision-making process ( Mudambi and Schuff, 2010 ).

A survey conducted by Zhong-Gang et al. (2015) reveals that nearly 60% of consumers browse online product reviews at least once a week and 93% of whom believe that these online reviews help them to improve the accuracy of purchase decisions, reduce the risk of loss and affect their shopping options. When it comes to e-consumers in commercial activities on B2B and B2C platforms, 82% of the consumers read product reviews before making shopping choices, and 60% of them refer to comments every week. Research shows that 93% of consumers say online reviews will affect shopping choices, indicating that most consumers have the habit of reading online reviews regularly and rely on the comments for their purchasing decisions ( Vimaladevi and Dhanabhakaym, 2012 ).

Consumer purchasing decision after reading online comments is a psychological process combining vision and information processing. As evident from the literature, much of the research has focused on the outcome and impact of online reviews affecting purchasing decisions but has shed less light on the underlying processes that influence customer perception ( Sen and Lerman, 2007 ; Zhang et al., 2010 ; Racherla and Friske, 2013 ). While some studies have attempted to investigate the underlying processes, including how people are influenced by information around the product/service using online reviews, there is limited research on the psychological process and information processing involved in purchasing decisions. The eye-tracking method has become popular in exploring and interpreting consumer decisions making behavior and cognitive processing ( Wang and Minor, 2008 ). However, there is very limited attention to how the emotional valence and the content of comments, especially those negative comments, influence consumers’ final decisions by adopting the eye-tracking method, including a gender comparison in consumption, and to whether consumers are suspicious of false comments.

Thus, the main purpose of this research is to investigate the impact of online reviews on consumers’ purchasing decisions, from the perspective of information processing by employing the eye-tracking method. A comprehensive literature review on key themes including online reviews, the impact of online reviews on purchasing decisions, and underlying processes including the level and credibility of product review information, and processing speed/effectiveness to drive customer perceptions on online reviews, was used to identify current research gaps and establish the rationale for this research. This study simulated a network shopping scenario and conducted an eye movement experiment to capture how product reviews affect consumers purchasing behavior by collecting eye movement indicators and their behavioral datum, in order to determine whether the value of the fixation dwell time and fixation count for negative comment areas is greater than that for positive comment area and to what extent the consumers are suspicious about false comments. Visual attention by both fixation dwell time and count is considered as part of moderating effect on the relationship between the valence of comment and purchase intention, and as the basis for accommodating underlying processes.

The paper is organized as follows. The next section presents literature reviews of relevant themes, including the role of online reviews and the application of eye movement experiments in online consumer decision research. Then, the hypotheses based on the relevant theories are presented. The research methodology including data collection methods is presented subsequently. This is followed by the presentation of data analysis, results, and discussion of key findings. Finally, the impact of academic practical research and the direction of future research are discussed, respectively.

Literature Review

Online product review.

Several studies have reported on the influence of online reviews, in particular on purchasing decisions in recent times ( Zhang et al., 2014 ; Zhong-Gang et al., 2015 ; Ruiz-Mafe et al., 2018 ; Von Helversen et al., 2018 ; Guo et al., 2020 ; Kang et al., 2020 ; Wu et al., 2021 ). These studies have reported on various aspects of online reviews on consumers’ behavior, including consideration of textual factors ( Ghose and Ipeirotiss, 2010 ), the effect of the level of detail in a product review, and the level of reviewer agreement with it on the credibility of a review, and consumers’ purchase intentions for search and experience products ( Jiménez and Mendoza, 2013 ). For example, by means of text mining, Ghose and Ipeirotiss (2010) concluded that the use of product reviews is influenced by textual features, such as subjectivity, informality, readability, and linguistic accuracy. Likewise, Boardman and Mccormick (2021) found that consumer attention and behavior differ across web pages throughout the shopping journey depending on its content, function, and consumer’s goal. Furthermore, Guo et al. (2020) showed that pleasant online customer reviews lead to a higher purchase likelihood compared to unpleasant ones. They also found that perceived credibility and perceived diagnosticity have a significant influence on purchase decisions, but only in the context of unpleasant online customer reviews. These studies suggest that online product reviews will influence consumer behavior but the overall effect will be influenced by many factors.

In addition, studies have considered broader online product information (OPI), comprising both online reviews and vendor-supplied product information (VSPI), and have reported on different attempts to understand the various ways in which OPI influences consumers. For example, Kang et al. (2020) showed that VSPI adoption affected online review adoption. Lately, Chen and Ku (2021) found a positive relationship between diversified online review websites as accelerators for online impulsive buying. Furthermore, some studies have reported on other aspects of online product reviews, including the impact of online reviews on product satisfaction ( Changchit and Klaus, 2020 ), relative effects of review credibility, and review relevance on overall online product review impact ( Mumuni et al., 2020 ), functions of reviewer’s gender, reputation and emotion on the credibility of negative online product reviews ( Craciun and Moore, 2019 ) and influence of vendor cues like the brand reputation on purchasing intention ( Kaur et al., 2017 ). Recently, an investigation into the impact of online review variance of new products on consumer adoption intentions showed that product newness and review variance interact to impinge on consumers’ adoption intentions ( Wu et al., 2021 ). In particular, indulgent consumers tend to prefer incrementally new products (INPs) with high variance reviews while restrained consumers are more likely to adopt new products (RNPs) with low variance.

Emotion Valence of Online Product Review and Purchase Intention

Although numerous studies have investigated factors that may influence the effects of online review on consumer behavior, few studies have focused on consumers’ perceptions, emotions, and cognition, such as perceived review helpfulness, ease of understanding, and perceived cognitive effort. This is because these studies are mainly based on traditional self-report-based methods, such as questionnaires, interviews, and so on, which are not well equipped to measure implicit emotion and cognitive factors objectively and accurately ( Plassmann et al., 2015 ). However, emotional factors are also recognized as important in purchase intention. For example, a study on the usefulness of online film reviews showed that positive emotional tendencies, longer sentences, the degree of a mix of the greater different emotional tendencies, and distinct expressions in critics had a significant positive effect on online comments ( Yuanyuan et al., 2009 ).

Yu et al. (2010) also demonstrated that the different emotional tendencies expressed in film reviews have a significant impact on the actual box office. This means that consumer reviews contain both positive and negative emotions. Generally, positive comments tend to prompt consumers to generate emotional trust, increase confidence and trust in the product and have a strong persuasive effect. On the contrary, negative comments can reduce the generation of emotional trust and hinder consumers’ buying intentions ( Archak et al., 2010 ). This can be explained by the rational behavior hypothesis, which holds that consumers will avoid risk in shopping as much as possible. Hence, when there is poor comment information presented, consumers tend to choose not to buy the product ( Mayzlin and Chevalier, 2003 ). Furthermore, consumers generally believe that negative information is more valuable than positive information when making a judgment ( Ahluwalia et al., 2000 ). For example, a single-star rating (criticism) tends to have a greater influence on consumers’ buying tendencies than that of a five-star rating (compliment), a phenomenon known as the negative deviation.

Since consumers can access and process information quickly through various means and consumers’ emotions influence product evaluation and purchasing intention, this research set out to investigate to what extent and how the emotional valence of online product review would influence their purchase intention. Therefore, the following hypothesis was proposed:

H1 : For hedonic products, consumer purchase intention after viewing positive emotion reviews is higher than that of negative emotion ones; On the other hand, for utilitarian products, it is believed that negative comments are more useful than positive ones and have a greater impact on consumers purchase intention by and large.

It is important to investigate Hypothesis one (H1) although it seems obvious. Many online merchants pay more attention to products with negative comments and make relevant improvements to them rather than those with positive comments. Goods with positive comments can promote online consumers’ purchase intention more than those with negative comments and will bring more profits to businesses.

Sen and Lerman (2007) found that compared with the utilitarian case, readers of negative hedonic product reviews are more likely to attribute the negative opinions expressed, to the reviewer’s internal (or non-product-related) reasons, and therefore, are less likely to find the negative reviews useful. However, in the utilitarian case, readers are more likely to attribute the reviewer’s negative opinions to external (or product-related) motivations, and therefore, find negative reviews more useful than positive reviews on average. Product type moderates the effect of review valence, Therefore, Hypothesis one is based on hedonic product types, such as fiction books.

Guo et al. (2020) found pleasant online customer reviews to lead to a higher purchase likelihood than unpleasant ones. This confirms hypothesis one from another side. The product selected in our experiment is a mobile phone, which is not only a utilitarian product but also a hedonic one. It can be used to make a phone call or watch videos, depending on the user’s demands.

Eye-Tracking, Online Product Review, and Purchase Intention

The eye-tracking method is commonly used in cognitive psychology research. Many researchers are calling for the use of neurobiological, neurocognitive, and physiological approaches to advance information system research ( Pavlou and Dimoka, 2010 ; Liu et al., 2011 ; Song et al., 2017 ). Several studies have been conducted to explore consumers’ online behavior by using eye-tracking. For example, using the eye-tracking method, Luan et al. (2016) found that when searching for products, customers’ attention to attribute-based evaluation is significantly longer than that of experience-based evaluation, while there is no significant difference for the experiential products. Moreover, their results indicated eye-tracking indexes, for example, fixation dwell time, could intuitively reflect consumers’ search behavior when they attend to the reviews. Also, Hong et al. (2017) confirmed that female consumers pay more attention to picture comments when they buy experience goods; when they buy searched products, they are more focused on the pure text comments. When the price and comment clues are consistent, consumers’ purchase rates significantly improve.

Eye-tracking method to explore and interpret consumers’ decision-making behavior and cognitive processing is primarily based on the eye-mind hypothesis proposed by Just and Carpenter (1992) . Just and Carpenter (1992) stated that when an individual is looking, he or she is currently perceiving, thinking about, or attending to something, and his or her cognitive processing can be identified by tracking eye movement. Several studies on consumers’ decision-making behavior have adopted the eye-tracking approach to quantify consumers’ visual attention, from various perspectives including determining how specific visual features of the shopping website influenced their attitudes and reflected their cognitive processes ( Renshaw et al., 2004 ), exploring gender differences in visual attention and shopping attitudes ( Hwang and Lee, 2018 ), investigating how employing human brands affects consumers decision quality ( Chae and Lee, 2013 ), consumer attention and different behavior depending on website content, functions and consumers goals ( Boardman and McCormick, 2019 ). Measuring the attention to the website and time spent on each purchasing task in different product categories shows that shoppers attend to more areas of the website for purposes of website exploration than for performing purchase tasks. The most complex and time-consuming task for shoppers is the assessment of purchase options ( Cortinas et al., 2019 ). Several studies have investigated fashion retail websites using the eye-tracking method and addressed various research questions, including how consumers interact with product presentation features and how consumers use smartphones for fashion shopping ( Tupikovskaja-Omovie and Tyler, 2021 ). Yet, these studies considered users without consideration of user categories, particularly gender. Since this research is to explore consumers’ decision-making behavior and the effects of gender on visual attention, the eye-tracking approach was employed as part of the overall approach of this research project. Based on existing studies, it could be that consumers may pay more attention to negative evaluations, will experience cognitive conflict when there are contradictory false comments presented, and will be unable to judge good or bad ( Cui et al., 2012 ). Therefore, the following hypothesis was proposed:

H2 : Consumers’ purchasing intention associated with online reviews is moderated/influenced by the level of visual attention.

To test the above hypothesis, the following two hypotheses were derived, taking into consideration positive and negative review comments from H1, and visual attention associated with fixation dwell time and fixation count.

H2a : When consumers intend to purchase a product, fixation dwell time and fixation count for negative comment areas are greater than those for positive comment areas.

Furthermore, when consumers browse fake comments, they are suspicious and actively seek out relevant information to identify the authenticity of the comments, which will result in more visual attention. Therefore, H2b was proposed:

H2b : Fixation dwell time and fixation count for fake comments are greater than those for authentic comments.

When considering the effect of gender on individual information processing, some differences were noted. For example, Meyers-Levy and Sternthal (1993) put forward the selectivity hypothesis, a theory of choice hypothesis, which implies that women gather all information possible, process it in an integrative manner, and make a comprehensive comparison before making a decision, while men tend to select only partial information to process and compare according to their existing knowledge—a heuristic and selective strategy. Furthermore, for an online product review, it was also reported that gender can easily lead consumers to different perceptions of the usefulness of online word-of-mouth. For example, Zhang et al. (2014) confirmed that a mixed comment has a mediating effect on the relationship between effective trust and purchasing decisions, which is stronger in women. This means that men and women may have different ways of processing information in the context of making purchasing decisions using online reviews. To test the above proposition, the following hypothesis was proposed:

H3 : Gender factors have a significant impact on the indicators of fixation dwell time and fixation count on the area of interest (AOI). Male purchasing practices differ from those of female consumers. Male consumers’ attention to positive comments is greater than that of female ones, they are more likely than female consumers to make purchase decisions easily.

Furthermore, according to the eye-mind hypothesis, eye movements can reflect people’s cognitive processes during their decision process ( Just and Carpenter, 1980 ). Moreover, neurocognitive studies have indicated that consumers’ cognitive processing can reflect the strategy of their purchase decision-making ( Rosa, 2015 ; Yang, 2015 ). Hence, the focus on the degree of attention to different polarities and the specific content of comments can lead consumers to make different purchasing decisions. Based on the key aspects outlined and discussed above, the following hypothesis was proposed:

H4 : Attention to consumers’ comments is positively correlated with consumers’ purchasing intentions: Consumers differ in the content of comments to which they gaze according to gender factors.

Thus, the framework of the current study is shown in Figure 1 .

Conceptual framework of the study.

Materials and Methods

The research adopted an experimental approach using simulated lab environmental settings for collecting experimental data from a selected set of participants who have experience with online shopping. The setting of the task was based on guidelines for shopping provided on Taobao.com , which is the most famous and frequently used C2C platform in China. Each experiment was set with the guidelines provided and carried out for a set time. Both behavioral and eye movement data were collected during the experiment.

Participants

A total of 40 healthy participants (20 males and 20 females) with online shopping experiences were selected to participate in the experiment. The participants were screened to ensure normal or correct-to-normal vision, no color blindness or poor color perception, or other eye diseases. All participants provided their written consent before the experiment started. The study was approved by the Internal Review Board of the Academy of Neuroeconomics and Neuromanagement at Ningbo University and by the Declaration of Helsinki ( World Medical Association, 2014 ).

With standardization and small selection differences among individuals, search products can be objectively evaluated and easily compared, to effectively control the influence of individual preferences on the experimental results ( Huang et al., 2009 ). Therefore, this research focused on consumer electronics products, essential products in our life, as the experiment stimulus material. To be specific, as shown in Figure 2 , a simulated shopping scenario was presented to participants, with a product presentation designed in a way that products are shown on Taobao.com . Figure 2 includes two segments: One shows mobile phone information ( Figure 2A ) and the other shows comments ( Figure 2B ). Commodity description information in Figure 2A was collected from product introductions on Taobao.com , mainly presenting some parameter information about the product, such as memory size, pixels, and screen size. There was little difference in these parameters, so quality was basically at the same level across smartphones. Prices and brand information were hidden to ensure that reviews were the sole factor influencing consumer decision-making. Product review areas in Figure 2B are the AOI, presented as a double-column layout. Each panel included 10 (positive or negative) reviews taken from real online shopping evaluations, amounting to a total of 20 reviews for each product. To eliminate the impact of different locations of comments on experimental results, the positions of the positive and negative comment areas were exchanged, namely, 50% of the subjects had positive comments presented on the left and negative comments on the right, with the remaining 50% of the participants receiving the opposite set up.

Commodity information and reviews. (A) Commodity information, (B) Commodity reviews. Screenshots of Alibaba shopfront reproduced with permission of Alibaba and Shenzhen Genuine Mobile Phone Store.

A total of 12,403 product reviews were crawled through and extracted from the two most popular online shopping platforms in China (e.g., Taobao.com and JD.com ) by using GooSeeker (2015) , a web crawler tool. The retrieved reviews were then further processed. At first, brand-related, price-related, transaction-related, and prestige-related contents were removed from comments. Then, the reviews were classified in terms of appearance, memory, running speed, logistics, and so on into two categories: positive reviews and negative reviews. Furthermore, the content of the reviews was refined to retain the original intention but to meet the requirements of the experiment. In short, reviews were modified to ensure brevity, comprehensibility, and equal length, so as to avoid causing cognitive difficulties or ambiguities in semantic understanding. In the end, 80 comments were selected for the experiment: 40 positive and 40 negative reviews (one of the negative comments was a fictitious comment, formulated for the needs of the experiment). To increase the number of experiments and the accuracy of the statistical results, four sets of mobile phone products were set up. There were eight pairs of pictures in total.

Before the experiment started, subjects were asked to read the experimental guide including an overview of the experiment, an introduction of the basic requirements and precautions in the test, and details of two practice trials that were conducted. When participants were cognizant of the experimental scenario, the formal experiment was ready to begin. Participants were required to adjust their bodies to a comfortable sitting position. The 9 points correction program was used for calibration before the experiment. Only those with a deviation angle of less than 1-degree angle could enter the formal eye movement experiment. In our eye-tracking experiment, whether the participant wears glasses or not was identified as a key issue. If the optical power of the participant’s glasses exceeds 200 degrees, due to the reflective effect of the lens, the eye movement instrument will cause great errors in the recording of eye movements. In order to ensure the accuracy of the data recorded by the eye tracker, the experimenter needs to test the power of each participant’s glasses and ensure that the degree of the participant’s glasses does not exceed 200 degrees before the experiment. After drift correction of eye movements, the formal experiment began. The following prompt was presented on the screen: “you will browse four similar mobile phone products; please make your purchase decision for each mobile phone.” Participants then had 8,000 ms to browse the product information. Next, they were allowed to look at the comments image as long as required, after which they were asked to press any key on the keyboard and answer the question “are you willing to buy this cell phone?.”

In this experiment, experimental materials were displayed on a 17-inch monitor with a resolution of 1,024 × 768 pixels. Participants’ eye movements were tracked and recorded by the Eyelink 1,000 desktop eye tracker which is a precise and accurate video-based eye tracker instrument, integrating with SR Research Experiment Builder, Data Viewer, and third-party software tools, with a sampling rate of 1,000 Hz. ( Hwang and Lee, 2018 ). Data processing was conducted by the matching Data Viewer analysis tool.

The experiment flow of each trial is shown in Figure 3 . Every subject was required to complete four trials, with mobile phone style information and comment content different and randomly presented in each trial. After the experiment, a brief interview was conducted to learn about participants’ browsing behavior when they purchased the phone and collected basic information via a matching questionnaire. The whole experiment took about 15 min.

Experimental flow diagram. Screenshots of Alibaba shopfront reproduced with permission of Alibaba and Shenzhen Genuine Mobile Phone Store.

Data Analysis

Key measures of data collected from the eye-tracking experiment included fixation dwell time and fixation count. AOI is a focus area constructed according to experimental purposes and needs, where pertinent eye movement indicators are extracted. It can guarantee the precision of eye movement data, and successfully eliminate interference from other visual factors in the image. Product review areas are our AOIs, with positive comments (IA1) and negative comments (IA2) divided into two equal-sized rectangular areas.

Fixation can indicate the information acquisition process. Tracking eye fixation is the most efficient way to capture individual information from the external environment ( Hwang and Lee, 2018 ). In this study, fixation dwell time and fixation count were used to indicate users’ cognitive activity and visual attention ( Jacob and Karn, 2003 ). It can reflect the degree of digging into information and engaging in a specific situation. Generally, a more frequent fixation frequency indicates that the individual is more interested in the target resulting in the distribution of fixation points. Valuable and interesting comments attract users to pay more attention throughout the browsing process and focus on the AOIs for much longer. Since these two dependent variables (fixation dwell time and fixation count) comprised our measurement of the browsing process, comprehensive analysis can effectively measure consumers’ reactions to different review contents.

The findings are presented in each section including descriptive statistical analysis, analysis from the perspective of gender and review type using ANOVA, correlation analysis of purchasing decisions, and qualitative analysis of observations.

Descriptive Statistical Analysis

Fixation dwell time and fixation count were extracted in this study for each record. In this case, 160 valid data records were recorded from 40 participants. Each participant generated four records which corresponded to four combinations of two conditions (positive and negative) and two eye-tracking indices (fixation dwell time and fixation count). Each record represented a review comment. Table 1 shows pertinent means and standard deviations.

Results of mean and standard deviations.

It can be noted from the descriptive statistics for both fixation dwell time and fixation count that the mean of positive reviews was less than that of negative ones, suggesting that subjects spent more time on and had more interest in negative reviews. This tendency was more obvious in female subjects, indicating a role of gender.

Fixation results can be reported using a heat mapping plot to provide a more intuitive understanding. In a heat mapping plot, fixation data are displayed as different colors, which can manifest the degree of user fixation ( Wang et al., 2014 ). Red represents the highest level of fixation, followed by yellow and then green, and areas without color represent no fixation count. Figure 4 implies that participants spent more time and cognitive effort on negative reviews than positive ones, as evidenced by the wider red areas in the negative reviews. However, in order to determine whether this difference is statistically significant or not, further inferential statistical analyses were required.

Heat map of review picture.

Repeated Measures From Gender and Review Type Perspectives—Analysis of Variance

The two independent variables for this experiment were the emotional tendency of the review and gender. A preliminary ANOVA analysis was performed, respectively, on fixation dwell time and fixation count values, with gender (man vs. woman) and review type (positive vs. negative) being the between-subjects independent variables in both cases.

A significant dominant effect of review type was found for both fixation dwell time ( p 1  < 0.001) and fixation count ( p 2  < 0.001; see Table 2 ). However, no significant dominant effect of gender was identified for either fixation dwell time ( p 1  = 0.234) or fixation count ( p 2  = 0.805). These results indicated that there were significant differences in eye movement indicators between positive and negative commentary areas, which confirms Hypothesis 2a. The interaction effect between gender and comment type was significant for both fixation dwell time ( p 1  = 0.002) and fixation count ( p 2  = 0.001). Therefore, a simple-effect analysis was carried out. The effects of different comment types with fixed gender factors and different gender with fixed comment type factors on those two dependent variables (fixation dwell time and fixation count) were investigated and the results are shown in Table 3 .

Results of ANOVA analysis.

Results of simple-effect analysis.

When the subject was female, comment type had a significant dominant effect for both fixation dwell time ( p 1  < 0.001) and fixation count ( p 2  < 0.001). This indicates that female users’ attention time and cognitive level on negative comments were greater than those on positive comments. However, the dominant effect of comment type was not significant ( p 1  = 0.336 > 0.05, p 2  = 0.43 > 0.05) for men, suggesting no difference in concern about the two types of comments for men.

Similarly, when scanning positive reviews, gender had a significant dominant effect ( p 1  = 0.003 < 0.05, p 2  = 0.025 < 0.05) on both fixation dwell time and fixation count, indicating that men exerted longer focus and deeper cognitive efforts to dig out positive reviews than women. In addition, the results for fixation count showed that gender had significant dominant effects ( p 1  = 0.18 > 0.05, p 2  = 0.01 < 0.05) when browsing negative reviews, suggesting that to some extent men pay significantly less cognitive attention to negative reviews than women, which is consistent with the conclusion that men’s attention to positive comments is greater than women’s. Although the dominant effect of gender was not significant ( p 1  = 0.234 > 0.05, p 2  = 0.805 > 0.05) in repeated measures ANOVA, there was an interaction effect with review type. For a specific type of comment, gender had significant influences, because the eye movement index between men and women was different. Thus, gender plays a moderating role in the impact of comments on consumers purchasing behavior.

Correlation Analysis of Purchase Decision

Integrating eye movement and behavioral data, whether participants’ focus on positive or negative reviews is linked to their final purchasing decisions were explored. Combined with the participants’ purchase decision results, the areas with large fixation dwell time and concerns of consumers in the picture were screened out. The frequency statistics are shown in Table 4 .

Frequency statistics of purchasing decisions.

The correlation analysis between the type of comment and the decision data shows that users’ attention level on positive and negative comments was significantly correlated with the purchase decision ( p  = 0.006 < 0.05). Thus, Hypothesis H4 is supported. As shown in Table 4 above, 114 records paid more attention to negative reviews, and 70% of the participants chose not to buy mobile phones. Also, in the 101 records of not buying, 80% of the subjects paid more attention to negative comments and chose not to buy mobile phones, while more than 50% of the subjects who were more interested in positive reviews chose to buy mobile phones. These experimental results are consistent with Hypothesis H1. They suggest that consumers purchasing decisions were based on the preliminary information they gathered and were concerned about, from which we can deduce customers’ final decision results from their visual behavior. Thus, the eye movement experiment analysis in this paper has practical significance.

Furthermore, a significant correlation ( p  = 0.007 < 0.05) was found between the comments area attracting more interest and purchase decisions for women, while no significant correlation was found for men ( p  = 0.195 > 0.05). This finding is consistent with the previous conclusion that men’s attention to positive and negative comments is not significantly different. Similarly, this also explains the moderating effect of gender. This result can be explained further by the subsequent interview of each participant after the experiment was completed. It was noted from the interviews that most of the male subjects claimed that they were more concerned about the hardware parameters of the phone provided in the product information picture. Depending on whether it met expectations, their purchasing decisions were formed, and mobile phone reviews were taken as secondary references that could not completely change their minds.

Figure 5 shows an example of the relationship between visual behavior randomly selected from female participants and the correlative decision-making behavior. The English translation of words that appeared in Figure 5 is shown in Figure 4 .

Fixation count distribution.

The subjects’ fixation dwell time and fixation count for negative reviews were significantly greater than those for positive ones. Focusing on the screen and running smoothly, the female participant decided not to purchase this product. This leads to the conclusion that this subject thought a lot about the phone screen quality and running speed while selecting a mobile phone. When other consumers expressed negative criticism about these features, the female participant tended to give up buying them.

Furthermore, combined with the result of each subject’s gaze distribution map and AOI heat map, it was found that different subjects paid attention to different features of mobile phones. Subjects all had clear concerns about some features of the product. The top five mobile phone features that subjects were concerned about are listed in Table 5 . Contrary to expectations, factors, such as appearance and logistics, were no longer a priority. Consequently, the reasons why participants chose to buy or not to buy mobile phones can be inferred from the gazing distribution map recorded in the product review picture. Therefore we can provide suggestions on how to improve the design of mobile phone products for businesses according to the features that users are more concerned about.

Top 5 features of mobile phones.

Fictitious Comments Recognition Analysis

The authenticity of reviews is an important factor affecting the helpfulness of online reviews. To enhance the reputation and ratings of online stores, in the Chinese e-commerce market, more and more sellers are employing a network “water army”—a group of people who praise the shop and add many fake comments without buying any goods from the store. Combined with online comments, eye movement fixation, and information extraction theory, Song et al. (2017) found that fake praise significantly affects consumers’ judgment of the authenticity of reviews, thereby affecting consumers’ purchase intention. These fictitious comments glutted in the purchasers’ real ones are easy to mislead customers. Hence, this experiment was designed to randomly insert a fictitious comment into the remaining 79 real comments without notifying the participants in advance, to test whether potential buyers could identify the false comments and find out their impact on consumers’ purchase decisions.

The analysis of the eye movement data from 40 product review pictures containing this false commentary found that only several subjects’ visual trajectories were back and forth in this comment, and most participants exhibited no differences relative to other comments, indicating that the vast majority of users did not identify the lack of authenticity of this comment. Moreover, when asked whether they had taken note of this hidden false comment in interviews, almost 96% of the participants answered they had not. Thus, Hypothesis H2b is not supported.

This result explains why network “water armies” are so popular in China, as the consumer cannot distinguish false comments. Thus, it is necessary to standardize the e-commerce market, establish an online comment authenticity automatic identification information system, and crack down on illegal acts of employing network troops to disseminate fraudulent information.

Discussion and Conclusion

In the e-commerce market, online comments facilitate online shopping for consumers; in turn, consumers are increasingly dependent on review information to judge the quality of products and make a buying decision. Consequently, studies on the influence of online reviews on consumers’ behavior have important theoretical significance and practical implications. Using traditional empirical methodologies, such as self-report surveys, it is difficult to elucidate the effects of some variables, such as review choosing preference because they are associated with automatic or subconscious cognitive processing. In this paper, the eye-tracking experiment as a methodology was employed to test congruity hypotheses of product reviews and explore consumers’ online review search behavior by incorporating the moderating effect of gender.

Hypotheses testing results indicate that the emotional valence of online reviews has a significant influence on fixation dwell time and fixation count of AOI, suggesting that consumers exert more cognitive attention and effort on negative reviews than on positive ones. This finding is consistent with Ahluwalia et al.’s (2000) observation that negative information is more valuable than positive information when making a judgment. Specifically, consumers use comments from other users to avoid possible risks from information asymmetry ( Hong et al., 2017 ) due to the untouchability of online shopping. These findings provide the information processing evidence that customers are inclined to acquire more information for deeper thinking and to make a comparison when negative comments appear which could more likely result in choosing not to buy the product to reduce their risk. In addition, in real online shopping, consumers are accustomed to giving positive reviews as long as any dissatisfaction in the shopping process is within their tolerance limits. Furthermore, some e-sellers may be forging fake praise ( Wu et al., 2020 ). The above two phenomena exaggerate the word-of-mouth effect of negative comments, resulting in their greater effect in contrast to positive reviews; hence, consumers pay more attention to negative reviews. Thus, Hypothesis H2a is supported. However, when limited fake criticism was mixed in with a large amount of normal commentary, the subject’s eye movements did not change significantly, indicating that little cognitive conflict was produced. Consumers could not identify fake comments. Therefore, H2b is not supported.

Although the dominant effect of gender was not significant on the indicators of the fixation dwell time and fixation count, a significant interaction effect between user gender and review polarity was observed, suggesting that consumers’ gender can regulate their comment-browsing behavior. Therefore, H3 is partly supported. For female consumers, attention to negative comments was significantly greater than positive ones. Men’s attention was more homogeneous, and men paid more attention to positive comments than women. This is attributed to the fact that men and women have different risk perceptions of online shopping ( Garbarino and Strahilevitz, 2004 ). As reported in previous studies, men tend to focus more on specific, concrete information, such as the technical features of mobile phones, as the basis for their purchase decision. They have a weaker perception of the risks of online shopping than women. Women would be worried more about the various shopping risks and be more easily affected by others’ evaluations. Specifically, women considered all aspects of the available information, including the attributes of the product itself and other post-use evaluations. They tended to believe that the more comprehensive the information they considered, the lower the risk they faced of a failed purchase ( Garbarino and Strahilevitz, 2004 ; Kanungo and Jain, 2012 ). Therefore, women hope to reduce the risk of loss by drawing on as much overall information as possible because they are more likely to focus on negative reviews.

The main finding from the fixation count distribution is that consumers’ visual attention is mainly focused on reviews containing the following five mobile phone characteristics: running smoothly, battery life, fever condition of phones, pixels, and after-sales service. Considering the behavior results, when they pay more attention to negative comments, consumers tend to give up buying mobile phones. When they pay more attention to positive comments, consumers often choose to buy. Consequently, there is a significant correlation between visual attention and behavioral decision results. Thus, H4 is supported. Consumers’ decision-making intention can be reflected in the visual browsing process. In brief, the results of the eye movement experiment can be used as a basis for sellers not only to formulate marketing strategies but also to prove the feasibility and strictness of applying the eye movement tracking method to the study of consumer decision-making behavior.

Theoretical Implications

This study has focused on how online reviews affect consumer purchasing decisions by employing eye-tracking. The results contribute to the literature on consumer behavior and provide practical implications for the development of e-business markets. This study has several theoretical contributions. Firstly, it contributes to the literature related to online review valence in online shopping by tracking the visual information acquisition process underlying consumers’ purchase decisions. Although several studies have been conducted to examine the effect of online review valence, very limited research has been conducted to investigate the underlying mechanisms. Our study advances this research area by proposing visual processing models of reviews information. The findings provide useful information and guidelines on the underlying mechanism of how online reviews influence consumers’ online shopping behavior, which is essential for the theory of online consumer behavior.

Secondly, the current study offers a deeper understanding of the relationships between online review valence and gender difference by uncovering the moderating role of gender. Although previous studies have found the effect of review valence on online consumer behavior, the current study first reveals the effect of gender on this effect and explains it from the perspective of attention bias.

Finally, the current study investigated the effect of online reviews on consumer behavior from both eye-tracking and behavioral self-reports, the results are consistent with each other, which increased the credibility of the current results and also provides strong evidence of whether and how online reviews influence consumer behavior.

Implications for Practice

This study also has implications for practice. According to the analysis of experimental results and findings presented above, it is recommended that online merchants should pay particular attention to negative comments and resolve them promptly through careful analysis of negative comments and customization of product information according to consumer characteristics including gender factors. Based on the findings that consumers cannot identify false comments, it is very important to establish an online review screening system that could automatically screen untrue content in product reviews, and create a safer, reliable, and better online shopping environment for consumers.

Limitations and Future Research

Although the research makes some contributions to both theoretical and empirical literature, it still has some limitations. In the case of experiments, the number of positive and negative reviews of each mobile phone was limited to 10 positive and 10 negative reviews (20 in total) due to the size restrictions on the product review picture. The number of comments could be considered relatively small. Efforts should be made in the future to develop a dynamic experimental design where participants can flip the page automatically to increase the number of comments. Also, the research was conducted to study the impact of reviews on consumers’ purchase decisions by hiding the brand of the products. The results would be different if the brand of the products is exposed since consumers might be moderated through brand preferences and brand loyalty, which could be taken into account in future research projects.

Data Availability Statement

Author contributions.

TC conceived and designed this study. TC, PS, and MQ wrote the first draft of the manuscript. TC, XC, and MQ designed and performed related experiments, material preparation, data collection, and analysis. TC, PS, XC, and Y-CL revised the manuscript. All authors contributed to the article and approved the submitted version.

Conflict of Interest

The authors declare that the research was conducted in the absence of any commercial or financial relationships that could be construed as a potential conflict of interest.

Publisher’s Note

All claims expressed in this article are solely those of the authors and do not necessarily represent those of their affiliated organizations, or those of the publisher, the editors and the reviewers. Any product that may be evaluated in this article, or claim that may be made by its manufacturer, is not guaranteed or endorsed by the publisher.

Acknowledgments

The authors wish to thank the Editor-in-Chief, Associate Editor, reviewers and typesetters for their highly constructive comments. The authors would like to thank Jia Jin and Hao Ding for assistance in experimental data collection and Jun Lei for the text-polishing of this paper. The authors thank all the researchers who graciously shared their findings with us which allowed this eye-tracking study to be more comprehensive than it would have been without their help.

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Please note you do not have access to teaching notes, what drives consumers to shop online a literature review.

International Journal of Service Industry Management

ISSN : 0956-4233

Article publication date: 1 February 2004

While a large number of consumers in the US and Europe frequently shop on the Internet, research on what drives consumers to shop online has typically been fragmented. This paper therefore proposes a framework to increase researchers’ understanding of consumers’ attitudes toward online shopping and their intention to shop on the Internet. The framework uses the constructs of the Technology Acceptance Model (TAM) as a basis, extended by exogenous factors and applies it to the online shopping context. The review shows that attitudes toward online shopping and intention to shop online are not only affected by ease of use, usefulness, and enjoyment, but also by exogenous factors like consumer traits, situational factors, product characteristics, previous online shopping experiences, and trust in online shopping.

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Perea y Monsuwé, T. , Dellaert, B.G.C. and de Ruyter, K. (2004), "What drives consumers to shop online? A literature review", International Journal of Service Industry Management , Vol. 15 No. 1, pp. 102-121. https://doi.org/10.1108/09564230410523358

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REVIEW OF LITERATURE: ONLINE AND OFFLINE CONSUMER BUYING BEHAVIOR

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• Best for customer satisfaction
• Best for older adults
• Best for long-term care
• Best for high returns
• Best for agent support
• Best for term life

How we review life insurance companies

Best life insurance of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Life insurance is as complicated as the policyholders and beneficiaries who use it. That means there's no single "best" life insurance company. Instead, you can find the best option based on what you want or what you prioritize.

Best life insurance companies of 2024

While there is no such thing as the objective best life insurance policy, you will be able to find the best insurance policy for your specific needs. Here are our picks for the best life insurance companies, whether you want to use your life insurance policy to build wealth through cash value or you're just looking for a term life insurance policy .

• Best for customer satisfaction: State Farm Life Insurance

State Farm Life Insurance gets the best life insurance ranking in J.D Power's Individual Life Insurance Study, with a score of 843/1,000. The company is also ranked A++ with AM Best for its financial stability with term, universal, and whole life insurance options. 

All State Farm policies have to be purchased through a State Farm agent. Your agent can help you bundle and save or buy one policy. State Farm is also among the companies offering "survivorship universal life insurance ," which means the policy covers two people, and it kicks in after the second person dies. Couples looking to maximize their death benefit for beneficiaries with one premium payment each month may enjoy lower overall costs.

State Farm agents can run quotes and compare options to find the right plans for each applicant. The range of options, discounts, and familiar name all contribute to the popularity of State Farm's life insurance.

Read our State Farm Life Insurance review here.

Best for older adults: Prudential VUL Protector Life Insurance

Prudential Life Insurance is available in all states except New York. New York residents can buy the Pruco Life of New Jersey VUL Protector plan. This plan allows buyers to pull money out of their plan to pay for nursing home expenses. Cash value policy premiums are fixed, so you won't have to worry about extra costs later on. Internal costs are low, which minimizes risk. Due to age, many older adults want a safe investment option for their money. Prudential VUL Protector invests to avoid loss. That also means you're not as likely to see big increases in your available funds outside of what you deposit.

Read our Prudential Life Insurance review here.

Best for long-term care: Columbus Life Insurance

Columbus Life offers a wide range of riders to customize your policy with affordable premiums. The company also allows you to convert term policies to whole life insurance policies until the end of your term (generally around age 70). For this and many other reasons, customer satisfaction is high.

When using living health benefits (otherwise known as accelerated death benefits), buyers are allowed to pull money from policies early to pay for medical bills, living costs, etc. under certain circumstances. Most companies use a discounted death benefit, which reduces your final payout using two models. Columbus uses the lien method, which makes it easier to calculate the financial impact of pulling money out early.

Best for high returns on income: Allianz Life Insurance

Allianz Life plans are geared towards high-income adults looking for more tax-free income. Allianz offers a 40% multiplier bonus with a 1% annual assets charge. In short, the professionals managing your investments take 10%. Overall, your investments would pull in an extra 14%-1% asset charge. This means you end up with 3% more than what you deposit every year your life policy is active. This plan offers strong returns when using a life policy to supplement your retirement savings. Allianz also offers specialized plans to grow your income by as much as 20% according to some estimates.

Of note: Allianz also offers plans for foreign nationals, including those with H-1B visas.

Best for agents: New York Life Insurance

New York Life Insurance agents go through extensive training before they ever hit the sales floor. What does this get you? Policies vary widely, and New York Life offers both large and small payouts. Some policies have significant penalties for early withdrawal, but taking a loan offers more options. Whatever your questions, New York Life agents are trained to offer comprehensive support giving you accurate information about its policies every time. The company comes in at position eight in J.D. Power's latest life insurance customer satisfaction study.

Read our New York Life Insurance review here.

Best for term life: North American Life Insurance

North American Company offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more. The company allows one conversion on a 20-year policy at 15 years or 70 years old (whichever is earlier). The conversion cannot happen later than the five-year marker regardless of which policy you choose or the length. North American Company also offers a term policy with a lower premium renewable up to the age of 95 for qualifying insureds.

Summary of the best life insurance companies

• Best for older adults: Prudential Life Insurance
• Best for agent support: New York Life Insurance
• Best for long-term care: Columbus Life
• Best for high returns: Allianz Life
• Best for term life: North American Company

How to pick the best life insurance policy for you

Finding the right fit in life insurance starts with finding a trusted insurance agent. Because there are so many state regulations, shopping for homeowners or auto insurance can be easily done online. Life insurance is not required. So it's a voluntary purchase. Many buyers don't know what they need or when they need it. Before making your selection, consider a few things:

Some companies will sell you a policy for your child as soon as they're born. While this may seem morbid, early sign-up means lower rates for a policy your child could enjoy in the future. Regardless, early sign-up equates to more policy for lower premiums and a higher likelihood of acceptance. At 20, you may be healthier and be able to pay into the policy for a longer period compared to when you're 50 with more age-related conditions.

As a general rule, never agree to more than you can afford. For the average life insurance agent, their job is to sell you a large policy with a large commission. Consider not only how much you make now, but how likely your current income is to continue. If you work on a project basis and your project is scheduled to end in 12 months, you may want to reconsider a policy premium outside your monthly savings.

How much are you prepared to buy? Some people only want a small policy to cover funerals and other end-of-life expenses. Others build a life policy into their retirement plan. Whatever direction you're going, involving a financial planner could help you make the right decisions. Depending on the carrier, customers can also compare set limits with index universal life policies, which set no limit. These policies never expire, and the value builds over the entirety of your life.

Living Benefits

Life happens unexpectedly. You could be healthy one day and in the hospital the next. Many life policies offer living benefits. These allow you to draw a limited amount out of your policy to cover medical and other bills you cannot pay while sick.

Much like a 401(k), many life insurance policies have penalties for early withdrawal. No matter what policy you want, this question is critical to an informed decision. It's a question of how early you can withdraw and how much you'll lose from the total to have the money in 10 years instead of 30 or after death.

Some policies require insured parties to pay premiums for at least one year before any significant payout would be available. Suicide exclusions are common. Even with no medical exam policies, the company may still do a check for known conditions. An insurance company has to mitigate its risk.

Flexibility

Once you've been denied a life insurance policy, a mark goes on your record. No matter the reasons, other insurance companies may deny you coverage based on the first denial. So consider your whole situation and choose your policy carefully before you submit any applications. Some policies have greater flexibility if you lose your job or otherwise can't make payments. Others will lapse if you miss even one payment.

Payment Type

Even within whole life or term life insurance policies, customers have the option to choose guaranteed fixed or variable rates. Some have guaranteed payouts, but you'll need to ask your agent for details.

What is your intended use? Why are you shopping for a life insurance policy in the first place, and what are your goals? Many successful financial planners also have a background in life insurance. So while they may not be able to find you a specific life insurance policy, financial planners can help you set out a blueprint for your purchase.

In life insurance, it's easy to get "sold a bill of goods." Many life insurance agents pass a state test to be thrown into the deep end. Agents sell the company product, but not all know the products. In this vein, we look at the products each company offers. We also look at agent training.

A good life insurance agent may not volunteer all facts upfront. But a company's agents should answer questions about its products accurately and in a way the average consumer can digest. Agents should be able to inform you about the long-term benefits and limitations. This will help customers find the right policy for their long-term plan.

We consider affordability, policy sizes available, and performance for a comprehensive assessment in our insurance rating methodology . If you can, we recommend also working with a financial advisor to make a plan for your future with life insurance.

Our Expert Panel for The Best Life Insurance Companies

To inform our choices for the best life insurance companies, we spoke with the following experts:

• Paul LaPiana , head of product at MassMutual
• Barbara Pietrangelo , CFP, CLU, and chair of the nonprofit Life Happens
• Wykeeta Peel , Corporate Vice President and Market Manager, African American Market Unit at New York Life

The Experts' Advice on Choosing The Best Life Insurance for You

How much life insurance coverage do you believe the average buyer should have.

Paul LaPiana, Head of Product at MassMutual

"There are different approaches to determining how much life insurance you need. One is the 'human life' approach, which estimates the current value of your future earning potential. Another is securing specific coverage to pay off debts such as a mortgage or provide for the education of children. A comprehensive protection plan should provide the right amount of coverage over the course of your working life and into retirement."

Barbara A. Pietrangelo, Chair of Life Happens

"There is no one-size-fits-all life insurance policy because everyone is different. One way to get a rough estimate is to multiply your income by 10 to 15; another is adding $100,00 to that amount, should you have a child and anticipate college education expenses.

Your best bet is to talk to a financial professional or use the Life Insurance Needs Calculator on LifeHappens.org to analyze what's right for you."

Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life

"As you consider what policy best meets your needs, it can help to answer four key questions: First, how much death benefit do you need? Second, how long will you need that coverage? Third, what is your budget (or how much monthly premium can you afford to pay?), and finally, what is your investment risk tolerance?

To determine how much death benefit makes sense, it's helpful to think beyond using life insurance to cover funeral expenses and consider whether anyone is relying on the policy owner's income to maintain a lifestyle, pay rent or a mortgage, or fund a child's education and for how long.

There are various rules of thumb regarding the right amount of Life insurance coverage. Some tips can be found online, but they only provide an estimate and don't necessarily factor in an individual's specific needs. In my opinion, human guidance, powered by technology, is required. Basically, it comes down to how much money your loved ones would need to remain on firm financial ground if your earnings were no longer in the picture and that is different for everyone."

What is the biggest opportunity you see for improvement in the life insurance industry?

"Increased accessibility through digital and other channels as well as through underwriting enhancements. Increased tailoring of products and features. And an increased emphasis on health and wellness programs."

"Having enough qualified insurance professionals to walk potential buyers through the multiple benefits of life insurance will be pivotal to the growth of the industry. Education is a key factor here, as professional agents also need to be able to explain life insurance and its benefits in an easy, digestible way, especially when there are so many misconceptions about life insurance."

"The need for life insurance is greater than ever. In fact, a recent New York Life Wealth Watch survey found that 37% of adults have been thinking about life insurance more often these days – and half of adults report that financial products that provide protection (50%) and reliability (50%) are more important now compared to last year. This may be especially true for middle-market and Cultural Market families.

Our organizational structure of having Cultural Market agents embedded in the communities where we live and work allows us to understand the needs of diverse communities and develop solutions that resonate with them."

What advice would you give to buyers who are debating whether or not to buy life insurance?

"It is difficult to say with any certainty how healthy you will be years from now. That's why securing life insurance, and insuring your insurability, today, when you are the youngest you'll ever be again, and perhaps your healthiest is a wise decision."

"Do you love someone? If the answer is yes, then life insurance is certainly something you should consider. Many buy gifts and experiences to express their love, but haven't considered that life insurance is just another way to say I love you. Nothing says support like ensuring your family's financial security and peace of mind."

"If you have someone depending on your income, you should consider purchasing life insurance. A death benefit from a life insurance policy can replace income from the loss of a breadwinner, ensure a family can stay in their home, fund educational or retirement expenses, address debt and so much more.

A life insurance policy can also help you grow your family's wealth over time. Once the risk of an unexpected loss has been managed, you can begin to think more broadly about your family's financial future. Life insurance can enable your mindset to shift from death to growth."

What's the most important thing buyers should look for when choosing a life insurance agent/company to buy from?

"With life insurance, you are securing a future commitment that may be decades away. Research the company behind the policy to ensure it has high financial strength ratings, longevity, and an excellent track record of paying claims."

"When looking for an insurance agent or company, be sure to do your research. When comparing companies, be sure to remember that the policy features that fit you and your loved ones best is the most important factor. Don't automatically assume you should buy from the higher-rated company.

If the policy from the other company has more of what you're looking for, it might be the better choice. If you're unsure where to start, try the Life Happens Agent Locator to find an insurance professional in your area."

• "The insurers' track record: At its core, life insurance is protection - a hedge against the unexpected - and you are paying premiums in exchange for the promise that the insurer will be there when you need them, so the financial strength and track record of the company backing your policy is critical.
• Customer service: Are service professionals available by phone and digital channels? Is there is an online dashboard where you can manage your policy? Beyond ensuring assistance is available after you purchase a policy, it's also critical to ensure you have access to trusted advice and guidance before you buy.
• Flexibility in conversion: How easy is it to change? Life can be unpredictable and while term insurance can cover your loved ones through a critical period of time, you may decide that access to cash value is an important piece of your strategy.
• Accelerated online applications : Online applications are convenient but don't replace human guidance. Keep in mind that accelerated online applications may have a maximum coverage amount, meaning that you may not be able to get all the coverage you may need exclusively through an online process.
• A range of payment options: It's important to understand how often you're required to make premium payments and whether and how often you can change the frequency of payments."

Best life insurance FAQs

According to JD Power's 2023 life insurance study, State Farm is the highest-rated life insurance company when it comes to overall customer satisfaction. However, you still may want to shop around for quotes from various insurers if you're looking to purchase a new policy.

There isn't one best life insurance company, because the best option for you will depend on the type of policy you're looking for. It's best to work with a qualified insurance agent to help you find the best coverage. If you're deciding between multiple similar options, it's also worth consulting J.D. Power's life insurance customer satisfaction study . The latest study ranks State Farm as the top pick for individual life insurance, outpacing Nationwide by three points.

The best type of life insurance policy for you will differ from someone else's, as your policy should be tailored to your needs. The best policy for you will be affordable and will offer the benefits best suited to your situation. For example, some policies are only meant to cover end-of-life expenses such as burial and funeral arrangements, whereas others include living benefits like a cash value insurance plan , which you can borrow against during your lifetime.

Some life insurance policies are advertised as "no medical exam." This doesn't mean the insurer won't ask you about known conditions or look at medical records. Policies with no medical exam also tend to offer lower benefits with higher premiums. Most companies have a network of medical examiners, some of whom can come to your home. You can find our guide on the best no exam life insurance here.

Each situation is different and requires a knowledgeable life insurance agent to assess your best options. Bring all your questions and the coverage you're looking for to an insurance agent near you to explore your options.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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