Table 3.

Active financial behavior and channel used

ItemYes (%)Digital channel (%)Traditional channel (%)
(a) Have you ever purchased shares or units in funds?10.2035.4864.52
(b) Have you ever purchased an insurance policy?55.5916.5783.43
(c) Have you ever bought bonds or government securities?9.213.5796.43
(d) Have you ever purchased cryptocurrencies? Or coins/tokens by participating in initial coin offering (ICOs) or non-fungible tokens (NFTs)?7.241000
(e) Have you ever opened an online account?27.9661.1838.82
(f) Do you have a credit/debit card?81.9130.5269.48
(g) Have you ever owned a prepaid card?19.0831.0368.97
(h) Have you ever used mobile payment tools (e.g. Apple Pay, PayPal, Google Pay)?49.348218
(i) Have you ever experienced/used counselling from a virtual assistant?13.8285.7114.29
Source(s): Authors’ own work

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