Table 3. Descriptive statistics ( n =...

Table 3.

Descriptive statistics (n = 1,457)

Variable	No.	%
Age
30–40 years old	549	37.7
41–50 years old	295	20.3
51–60 years old	438	30.1
61–70 years old	132	9.1
> 70 years old	41	2.8
Gender
Female	713	49.0
Male	741	50.9
Non-Binary	1	0.1
Marital status
I live with parents	108	7.4
I live alone	291	20.0
We are a married couple without children	282	19.4
We are a married couple with children	659	45.3
I live with young or older children still at home (I do not live as a couple)	71	4.9
I live with my son’s /daughter’s families	9	0.6
I live with other people (friends. other relatives. colleagues…	35	2.4
Education
Elementary school	26	1.8
Middle school	127	8.7
High school/college	609	41.9
Bachelor degree	195	13.4
Master degree	379	26.0
PhD/M.B.A	119	8.2
Professional status
Full-Time	1051	72.2
Part-Time	193	13.3
Stay at home	73	5.0
Retired	95	6.5
Disabled/unable to work	3	0.2
Unemployed	40	2.7
Income
Less than €10.000	87	6.0
€10.000 - €20.000	339	23.3
€20.000 - €40.000	577	39.7
€40.000 - €80.000	259	17.8
€80.000 or more	65	4.5
Prefer not to say	128	8.8
Purchases on e-commerce websites
At least once a week	141	9.7
1 time every 15 days	247	17.0
1 time per month	360	24.7
1 time every 2–3 months	364	25.0
1 time every 6 months	135	9.3
Only 1 time	47	3.2
Never	161	11.1
Buy now pay later Users
Yes	175	12.0
No	1280	88.0
Buy now pay later Prospects
Yes	489	33.6
No	966	66.4
Financial literacy score
Poor Financial Literacy (From 0–1 Correct Answers)	340	23.4
Medium Financial Literacy (From 2–3 Correct Answers)	506	34.8
High Financial Literacy (Over 4 Correct Answers)	609	41.9

Variable	No.	%
Age
30–40 years old	549	37.7
41–50 years old	295	20.3
51–60 years old	438	30.1
61–70 years old	132	9.1
> 70 years old	41	2.8
Gender
Female	713	49.0
Male	741	50.9
Non-Binary	1	0.1
Marital status
I live with parents	108	7.4
I live alone	291	20.0
We are a married couple without children	282	19.4
We are a married couple with children	659	45.3
I live with young or older children still at home (I do not live as a couple)	71	4.9
I live with my son’s /daughter’s families	9	0.6
I live with other people (friends. other relatives. colleagues…	35	2.4
Education
Elementary school	26	1.8
Middle school	127	8.7
High school/college	609	41.9
Bachelor degree	195	13.4
Master degree	379	26.0
PhD/M.B.A	119	8.2
Professional status
Full-Time	1051	72.2
Part-Time	193	13.3
Stay at home	73	5.0
Retired	95	6.5
Disabled/unable to work	3	0.2
Unemployed	40	2.7
Income
Less than €10.000	87	6.0
€10.000 - €20.000	339	23.3
€20.000 - €40.000	577	39.7
€40.000 - €80.000	259	17.8
€80.000 or more	65	4.5
Prefer not to say	128	8.8
Purchases on e-commerce websites
At least once a week	141	9.7
1 time every 15 days	247	17.0
1 time per month	360	24.7
1 time every 2–3 months	364	25.0
1 time every 6 months	135	9.3
Only 1 time	47	3.2
Never	161	11.1
Buy now pay later Users
Yes	175	12.0
No	1280	88.0
Buy now pay later Prospects
Yes	489	33.6
No	966	66.4
Financial literacy score
Poor Financial Literacy (From 0–1 Correct Answers)	340	23.4
Medium Financial Literacy (From 2–3 Correct Answers)	506	34.8
High Financial Literacy (Over 4 Correct Answers)	609	41.9

Notes:

“No.” Stands for number of observations for each class for each variable. “Relative %” is the relative percentage of each class for each variable. Regarding the income variable, the option “Prefer not to say” was omitted from the regression analyses and structural equations model presented in Tables 5 and 6 to avoid abnormal fluctuations in the values of the average and thus the standard deviation

Source: Authors’ own creation

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