Trust may be more important than security. People are more worried with how online vendors will use their personal information than with computer thieves stealing their credit card numbers. Education and income influence trust. Those with post-graduate degrees and high incomes appear far less likely to trust their online vendors with personal information. Kicking the tyres is still important.
Plastic is power.
Acquiring a credit card emerged as the most important circumstance to making Internet purchases. Five times more respondents cited credits cards than computers as the missing ingredient to shopping online. We must work to assure that economic segregation does not limit the future of electronic commerce at the retail level.