* The main reasons for the reluctance of the target sample to purchases by credit cards are:
- 39% do not feel safe.
- 39% do not feel the need to pay by credit card.
- 16% do not know how to use it on the Internet.
- 6% for other reasons.
* 48% declared that they will change their situation and use credit cards if there was a 3D security and protection.
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