With the increasing use of the Internet in recent years, E-Commerce is the trade over the Internet. E-commerce in the world began to be done in 2001. E-Commerce in Retail Sector In order to respond to changing consumer demands in a timely and correct manner, E-Commerce has to be fast and execute different sales channels in a coordinated manner. Therefore, information technology and necessary infrastructure investments are vital.  Although the increase in electronic shopping is seen as a threat to physical store sales at first glance, it will not result in the complete disappearance of physical stores . On the contrary, it will strengthen the loyalty to the brand with its unique customer experience and make a positive contribution to the shopping made from physical stores. Customer-based electronic shopping models Credit card shopping model; EFT is mainly used in transactions for the purpose of mutual exchange for individual exchanges which are not commercial enterprises.