| Online purchase relationship | Expected | ||
|---|---|---|---|
| = 0 | = 1 | ||
| percent | odds ratio | ||
| x4 Location (0 = rural and small town) | 42 | 46 | > 1 |
| x5 Sex (0 = female) | 43 | 47 | > 1 |
| x6 Education (0 = no post-secondary) | 32 | 52 | > 1 |
| x7 High speed connection (0 = no) | 34 | 47 | > 1 |
| x8 Online experience (0 = less than 2 years) | 18 | 49 | > 1 |
| x9 Online credit card (0 = no, some concern) | 61 | 34 | < 1 |