As more and more consumers turn to their digital devices to shop online, especially in the affordable luxury segment, there are a few challenges, such as credit card data security, cross-border transactions, currency exchange rates, arbitrary bank charges and fraud when it comes to payment gateways. E-commerce is growing and there are huge opportunities: in a developed market such as the European Union (EU), only 37 percent of retailers sell their products online and when it comes to selling across EU countries, the percentage falls to 12 percent. What are the unique e-commerce challenges in the Middle East and GCC in particular? How will the introduction of VAT affect luxury online buying in the region? Do regional banks have clear international purchase policies?