Channel evaluation
| Item | Traditional convenience | Digital convenience | Traditional reliability | Digital reliability | Traditional cost-effectiveness | Digital cost-effectiveness | Traditional effectiveness | Digital effectiveness |
|---|---|---|---|---|---|---|---|---|
| (a) Have you ever purchased shares or units in funds? | 3.80 | 4.00 | 3.95 | 3.82 | 3.20 | 3.45 | 3.45 | 3.91 |
| (b) Have you ever purchased an insurance policy? | 3.81 | 4.21 | 3.91 | 3.96 | 3.38 | 4.07 | 3.78 | 4.14 |
| (c) Have you ever bought bonds or government securities? | 3.55 | 4.00 | 3.59 | 4.00 | 3.30 | 3.00 | 3.29 | 4.00 |
| (d) Have you ever purchased cryptocurrencies? Or coins/tokens by participating in ICOs or NFTs? | – | 4.05 | – | 3.10 | – | 3.86 | – | 3.86 |
| (e) Have you ever opened an online account? | 3.88 | 4.27 | 3.97 | 4.21 | 3.58 | 4.23 | 3.88 | 4.31 |
| (f) Do you have a credit/debit card? | 3.99 | 4.17 | 4.02 | 3.92 | 3.62 | 4.01 | 3.88 | 4.12 |
| (g) Have you ever owned a prepaid card? | 3.90 | 4.28 | 3.75 | 4.00 | 3.55 | 3.89 | 3.90 | 4.33 |
| (h) Have you ever used mobile payment tools (e.g. Apple Pay, PayPal, Google Pay)? | 4.07 | 4.24 | 4.04 | 3.89 | 3.85 | 4.15 | 4.25 | 4.23 |
| (i) Have you ever experienced/used counselling from a virtual assistant? | 4.17 | 3.69 | 3.67 | 3.64 | 3.83 | 3.97 | 3.50 | 3.60 |
| Item | Traditional convenience | Digital convenience | Traditional reliability | Digital reliability | Traditional cost-effectiveness | Digital cost-effectiveness | Traditional effectiveness | Digital effectiveness |
|---|---|---|---|---|---|---|---|---|
| (a) Have you ever purchased shares or units in funds? | 3.80 | 4.00 | 3.95 | 3.82 | 3.20 | 3.45 | 3.45 | 3.91 |
| (b) Have you ever purchased an insurance policy? | 3.81 | 4.21 | 3.91 | 3.96 | 3.38 | 4.07 | 3.78 | 4.14 |
| (c) Have you ever bought bonds or government securities? | 3.55 | 4.00 | 3.59 | 4.00 | 3.30 | 3.00 | 3.29 | 4.00 |
| (d) Have you ever purchased cryptocurrencies? Or coins/tokens by participating in ICOs or NFTs? | – | 4.05 | – | 3.10 | – | 3.86 | – | 3.86 |
| (e) Have you ever opened an online account? | 3.88 | 4.27 | 3.97 | 4.21 | 3.58 | 4.23 | 3.88 | 4.31 |
| (f) Do you have a credit/debit card? | 3.99 | 4.17 | 4.02 | 3.92 | 3.62 | 4.01 | 3.88 | 4.12 |
| (g) Have you ever owned a prepaid card? | 3.90 | 4.28 | 3.75 | 4.00 | 3.55 | 3.89 | 3.90 | 4.33 |
| (h) Have you ever used mobile payment tools (e.g. Apple Pay, PayPal, Google Pay)? | 4.07 | 4.24 | 4.04 | 3.89 | 3.85 | 4.15 | 4.25 | 4.23 |
| (i) Have you ever experienced/used counselling from a virtual assistant? | 4.17 | 3.69 | 3.67 | 3.64 | 3.83 | 3.97 | 3.50 | 3.60 |
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