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Are people hesitant to use the Internet or wireless technology for purchases due to security concerns? Are people hesitant to use technology because of privacy

Are people hesitant to use the Internet or wireless technology for purchases due to security concerns?
Are people hesitant to use technology because of privacy concerns?
Are these concerns warranted and are they influenced by age, race, or gender?
Do these concerns put some people at a disadvantage at work and in their social lives?

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