The indicators of device possession show either a small or no relationship with online fear. Levels of fear aresomewhat lower with a higher number of PCs in the household and if one uses a smartphone. Possibly,rather than being an indicator of exposure to risk, device possession may indicate confidence in online skillsand a low perceived risk of victimization.Regression analyses: Is fear of online financial crime accompanied by lower levels of onlinebanking and purchasing?Our next step is to determine the way in which fear of online financial crime, along with other mechanisms,correlates with regular online behaviours. For this, we use the same covariates as in Model 2 ofTable 2andadd fear of online financial crime. This model is used to explain which people engage in online purchasingand online banking (Table 3). For both behaviours, we consider whether or not people engage in that activity(logistic regression) and how many hours per week they devote to it (negative binomial model).