Indifference analysis
As the aforementioned Table 2 indicates, when
commenting on the survey question Q1, the
average score is significantly greater than 3 at
the .01 level (with t-value of 7.666). On average
the respondents accept or even favor online payment
methods, instead of feeling indifference or
reluctance to pay their bills online. Q2 averages
2.99, not statistically different from 3. Concerning
online payment frauds, the respondents
perceive themselves to be exposed to the same
“normal” level of risk as all the others. Q3, Q4,
and Q5 average below 3 significantly, whereas
Q6 to Q21 all average above 3 significantly.
The income prospect Q22 averages 2.98, not
significantly different from 3.