Table 8
Model 1 Logistic regression: risk of online bank fraud, by selected characteristics of Internet users, 2009
| Characteristics of Internet users | Bank fraud |
|---|---|
| odds ratio | |
| Personal income | |
| $100,000 or more | 1.94Note *** |
| $60,000 to $99,999 | 2.02Note *** |
| $40,000 to $59,999 | 1.43Note * |
| Less than $40,000 | reference |
| Place of residence | |
| Census metropolitan area | 1.65Note *** |
| Non-census metropolitan area | reference |
| Highest level of education | |
| At least some trade school, college or university | 1.73Note ** |
| High school diploma or less | reference |
| Language spoken at home | |
| Non-official language | 1.31 |
| French | 0.73Note * |
| English | reference |
| Frequency of online banking transactions | |
| Daily | 2.29Note *** |
| At least once a week | 1.53Note * |
| At least once a month | 1.24 |
| Occasionally | 1.4 |
| Rarely or never | reference |
|
* significantly different from reference category (p < 0.05) ** significantly different from reference category (p < 0.01) *** significantly different from reference category (p < 0.001) Note: Based upon all Canadians aged 18 and over who used the Internet at least once during the 12 months preceding the survey. Excludes data for Yukon, the Northwest Territories and Nunavut. Non-significant variables were excluded from the model. These variables include: sex, age, marital status, main activity, visible minority status, immigration status, Aboriginal identity, drug use, frequency of online reservations and purchases, methods of protection (antivirus, changing password), use of social network and chat sites. Source: Statistics Canada, General Social Survey, 2009. |
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