The reader will notice that e-commerce, representative of the 4.0 economy, is gestated from the perceived utility and the expectation of risk. Both coexist as determinants of buying and selling decisions, as well as of the intensive use of technologies, devices and electronic networks. The exploratory factorial structures that the book presents as a result of research in Latin contexts are the beginning of the study of the fusion between technology and users. It is about the emergence of Internet users capable of carrying out a new economy in each message, image or data.